HRS §431:10H-232
No waiting periods when replacing long-term care insurance
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
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.
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