(a) Notwithstanding Clause (b) of the provision required by § 1201.208(a), an individual accident and health insurance policy must cover any loss that occurs after 12 months from a preexisting condition if the insurer uses a simplified application form that does not include a question concerning the applicant’s health history or medical treatment history.
(b) This section applies regardless of whether the simplified application form includes a question regarding the applicant’s health at the time of application.

(c) This section does not require an insurer to cover a loss from a condition that the policy specifically excludes from coverage.