1. New York Regulation 62 establishes minimum standards for individual accident and health policy forms primarily to:

Ensure policies meet minimum benefit, definition, and disclosure standards

Regulation 62 sets minimum standards for the benefits, definitions, and disclosure of individual accident and health policy forms.

2. For New York individual health coverage subject to community rating, pre-existing condition exclusions are:

Prohibited or sharply limited under New York and federal rules

New York's community-rated individual and small-group market prohibits or sharply limits pre-existing condition exclusions.

3. In health insurance, the 'accidental results' test bases coverage on:

The result being unexpected and unintended, even if the cause was intentional

The accidental results approach (more favorable to insureds) covers unexpected results regardless of an intentional cause.

4. In an accident and health policy, sickness generally means an illness or disease that:

First manifests while the policy is in force

Sickness is typically defined as illness or disease first manifesting while the policy is in force.