HRS §431:10H-232
No waiting periods when replacing long-term care insurance
Read the official text at capitol.hawaii.gov ↗When you switch from one long-term care insurance policy to another, the new insurance company must not make you wait again for coverage of conditions you already had. If you already met the waiting period for a similar condition under your old policy, the new policy must count that time. This rule applies only to replacement policies.
The statute, as written — Prohibition against preexisting conditions and probationary periods in replacement policies and certificates
A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.
If a long-term care insurance policy or certificate replaces another long-term care insurance policy or certificate, the replacing issuer shall waive any time periods applicable to preexisting conditions and probationary periods in the new long-term care policy for similar benefits to the extent that similar exclusions have been satisfied under the original policy.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.