No long-term care insurance policy or benefit contract may: (1) Use riders, waivers, endorsements, or any similar method to limit or reduce coverage or benefits; (2) Indemnify against losses resulting from sickness on a different basis than losses resulting from accidents; (3) Be canceled, nonrenewed, or segregated at the time of rerating solely on the grounds of the age or the deterioration of the mental or physical health of the covered person; (4) Exclude or limit coverage for preexisting conditions for a period of more than one year prior to the effective date of the policy or contract or more than six months after the effective date of the policy or contract; (5) Differentiate benefit amounts on the basis of the type or level of nursing home care provided; (6) Contain a provision establishing any new waiting period in the event an existing policy or contract is converted to a new or other form within the same company.
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