2003 Minnesota Statutes

     62S.15 Authorized limitations and exclusions. 

    No policy may be delivered or issued for delivery in this 
 state as long-term care insurance if the policy limits or 
 excludes coverage by type of illness, treatment, medical 
 condition, or accident, except as follows: 

    (1) preexisting conditions or diseases; 

    (2) mental or nervous disorders; except that the exclusion 
 or limitation of benefits on the basis of Alzheimer's disease is 
 prohibited; 

    (3) alcoholism and drug addiction; 

    (4) illness, treatment, or medical condition arising out of 
 war or act of war; participation in a felony, riot, or 
 insurrection; service in the armed forces or auxiliary units; 
 suicide, attempted suicide, or intentionally self-inflicted 
 injury; or non-fare-paying aviation; and 

    (5) treatment provided in a government facility unless 
 otherwise required by law, services for which benefits are 
 available under Medicare or other government program except 
 Medicaid, state or federal workers' compensation, employer's 
 liability or occupational disease law, motor vehicle no-fault 
 law; services provided by a member of the covered person's 
 immediate family; and services for which no charge is normally 
 made in the absence of insurance. 

 This subdivision does not prohibit exclusions and limitations by 
 type of provider or territorial limitations. 

    HIST: 1997 c 71 art 1 s 15