Iowa § 514D.6 Limitation on defenses

Iowa Statutes

§ 514D.6 — Limitation on defenses

Iowa § 514D.6

Title XIIICOMMERCE

Ch. 514DACCIDENT AND SICKNESS INSURANCE POLICIES

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Bluebook

Iowa Code § 514D.6 (2026).

Text

Notwithstanding section 514A.3, subsection 1, paragraph “b”, subparagraph 2, or any
contrary provision of chapter 514, if the issuer of the policy of accident and sickness
insurance or subscriber contract elects to use a simplified application form, 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 or contract
must cover any loss occurring after twelve months from the date of issue of the policy or
contract from any preexisting condition not specifically excluded from coverage by terms of
the policy or contract, and, except as so provided, the policy or contract shall not include
wording that would permit a defense based upon preexisting conditions.

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Notwithstanding section 514A.3, subsection 1, paragraph “b”, subparagraph 2, or any
contrary provision of chapter 514, if the issuer of the policy of accident and sickness
insurance or subscriber contract elects to use a simplified application form, 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 or contract
must cover any loss occurring after twelve months from the date of issue of the policy or
contract from any preexisting condition not specifically excluded from coverage by terms of
the policy or contract, and, except as so provided, the policy or contract shall not include
wording that would permit a defense based upon preexisting conditions.