2014 New Hampshire Revised Statutes
Title XXXVII - INSURANCE
Chapter 415-A - STANDARDS FOR ACCIDENT AND HEALTH INSURANCE
Section 415-A:5 - Preexisting Conditions.

    415-A:5 Preexisting Conditions. –
    I. If an insurer or a nonprofit hospital or medical service association elects to use a simplified application form for a policy other than a Medicare supplement policy, with or without a question as to the applicant's health at the time of application, but without any questions concerning the insured's health history or medical treatment history, the policy, 9 months after the date of enrollment, must cover any loss occurring from any preexisting condition not specifically excluded from coverage by terms of the policy and, except as so provided, the policy shall not include wording that would permit a defense based upon preexisting conditions.
    II. [Repealed.]
    III. For policies that meet the definition of health coverage under RSA 420-G:2, IX, an insurer may impose a preexisting condition exclusion period, but only if it is at least as favorable to covered persons as the following:
       (a) No preexisting condition exclusion period shall extend beyond a period of 9 consecutive months after the date of enrollment of the person's health coverage; and
       (b) Such preexisting condition exclusion period shall only apply to a condition, whether physical or mental, regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received during the 3 months immediately preceding the enrollment date of health coverage.

Source. 1975, 494:1. 1981, 418:1. 1995, 112:23, II. 2004, 187:4, eff. July 31, 2004. 2007, 289:10, eff. Jan. 1, 2008. 2011, 189:6, eff. Aug. 13, 2011.