WVC 33 - 28 - 7
§33-28-7. Preexisting conditions.
Notwithstanding the provisions of section four, article
fifteen of this chapter if an insurer or a hospital, medical or
dental service corporation elects to use a simplified application
form containing no questions concerning the applicant's health
history or medical treatment history, the policy or contract
applied for must cover any loss occurring after twelve months
from the inception date of coverage which loss is traceable to a
preexisting condition not specifically excluded from coverage by
the terms of the policy, and, except as so provided, the policy
or contract shall not include wording which would permit a
defense based upon preexisting conditions.