State RegulationsOH specificDifficulty 3/5
An underwriter in Cleveland wants to exclude a chronic disease from coverage under a new individual sickness and accident policy. Under Ohio law, how may such a chronic condition be excluded?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3923.04(B) states that chronic diseases and conditions may be excluded from coverage only by name or by specific description in the policy. A vague or general exclusion does not meet the statutory standard, so the exclusion must identify the particular condition.
Why the other options are wrong
- A) Wrong because a general reference to preexisting conditions does not satisfy ORC 3923.04(B), which requires the chronic condition to be named or specifically described.
- B) Wrong because a blanket waiver of all chronic illnesses is precisely the kind of general exclusion ORC 3923.04(B) forbids.
- D) Wrong because chronic conditions are excludable; the statute only limits how the exclusion must be written.
Memory hook
Chronic means name it — Ohio bans vague exclusions.