1200                            LAWS OF MARYLAND                       [CH. 553

(2) "No claim for loss incurred or disability (as defined in the
policy) commencing after three years from the date of issue of this
policy shall be reduced or denied on the ground that a disease or
physical condition not excluded from coverage by name or specific
description effective on the date of loss had existed prior to the effec-
tive date of coverage of this policy."

442.    Grace Period.

There shall be a provision as follows:

"Grace Period: A grace period of ... (insert a number not less
than '7' days for weekly premium policies, '10' days for monthly
premium policies and '31' days for all other policies) days will be
granted for the payment of each premium falling due after the first
premium, during which grace period the policy shall continue in
force."

A policy which gives the policyholder the right to select any one
of two or more modes of premium payment by remitting an amount
stated in the policy for that particular mode of payment, without
requiring any formal request on the part of the policyholder for
changing the mode of premium payment, shall provide a grace period
of 31 days.

A policy in which the insurer reserves the right to refuse renewal
shall have, at the beginning of the above provision,

"Unless not less than thirty days prior to the premium due date the
insurer has delivered to the insured or has mailed to his last address
as shown by the records of the insurer written notice of its intention
not to renew this policy beyond the period for which the premium
has been accepted."

443.    Reinstatement.

There shall be a provision as follows:

"Reinstatement: If any renewal premium be not paid within the
time granted the insured for payment, a subsequent acceptance of
premium by the insurer or by any agent duly authorized by the in-
surer to accept such premium, without requiring in connection there-
with an application for reinstatement, shall reinstate the policy;
provided, however, that if the insurer or such agent requires an ap-
plication for reinstatement and issues a conditional receipt for the
premium tendered, the policy will be reinstated upon approval of
such application by the insurer or, lacking such approval, upon the
forty-fifth (45th) day following the date of such conditional receipt
unless the insurer has previously notified the insured in writing of
its disapproval of such application. The reinstated policy shall cover
only loss resulting from such accidental injury as may be sustained
after the date of reinstatement and loss due to such sickness as may
begin more than ten days after such date. In all other respects the
insured and insurer shall have the same rights thereunder as they
had under the policy immediately before the due date of the defaulted
premium, subject to any provisions endorsed hereon or attached here-
to in connection with the reinstatement. Any premium accepted in
connection with a reinstatement shall be applied to a period for
which premium has not been previously paid, but not to any period
more than sixty (60) days prior to the date of reinstatement."