[§431:10H-109]  Prior hospitalization; priorinstitutionalization.  (a)  No long-term care insurance policy may bedelivered or issued for delivery in this State if the policy:

(1)  Conditions eligibility for any benefits on aprior hospitalization requirement;

(2)  Conditions eligibility for benefits provided inan institutional care setting on the receipt of a higher level of institutionalcare; or

(3)  Conditions eligibility for any benefits otherthan waiver of premium, post-confinement, post-acute care, or recuperativebenefits on a prior institutionalization requirement.

(b)  A long-term care insurance policycontaining post-confinement, post-acute care, or recuperative benefits shallclearly label, in a separate paragraph of the policy or certificate, entitled"Limitations or Conditions on Eligibility for Benefits", suchlimitations or conditions including any required number of days of confinement.

(c)  A long-term care insurance policy thatconditions eligibility of non-institutional benefits on the prior receipt ofinstitutional care shall not require a prior institutional stay of more thanthirty days. [L 1999, c 93, pt of §2]