An LTC insurance policy in Virginia limits or excludes coverage by type of illness, treatment, medical condition, or accident, except for:
• Preexisting conditions or diseases;
• Mental or nervous disorders (but not Alzheimer's disease, senile dementia, organic brain disorder, or other similar diagnoses);
• Alcoholism and drug addiction;
• Illness, treatment, or medical condition arising from war or act of war (whether declared or undeclared); participation in a felony, riot, or insurrection; service in the armed forces; suicide (sane or insane), attempted suicide, or intentional self-inflicted injury; or aviation for non-fare-paying passengers;
• Treatment provided in a government facility (unless otherwise required by law);
• Services for which benefits are available under Medicare or other governmental program (except Medicaid), any state or federal workers' compensation, employer's liability or occupational disease law, or any motor vehicle no-fault law;
• Services provided by a member of the covered person's immediate family and services for which no charge is normally made in the absence of insurance; or
• Expenses for services or items available or paid under another long-term care insurance or health insurance policy (14 VAC Sec. 5-200-60).
Preexisting condition limitations in LTC insurance policies may not exclude coverage for more than six months after the effective date of coverage under the policy. ...