La póliza deberá contener una cláusula que lea como sigue:
“Límite de tiempo para ciertas defensas: (a) después de dos años de expedida esta póliza, ninguna declaración falsa (excepto declaraciones fraudulentas) hechas por alguna persona asegurada bajo la póliza podrá ser utilizada para anular el seguro sobre su persona o denegar una reclamación por pérdida incurrida o por incapacidad (según se define en la póliza) que comience después de transcurrido dicho período de dos años”; (b) ninguna reclamación por pérdida incurrida o por incapacidad (según se definen en la póliza) que comience después de transcurrido dos años desde la fecha de expedición de esta póliza, se reducirá o denegará por el fundamento de que, con anterioridad a la fecha de efectividad de la cubierta de esta póliza, existía una enfermedad o lesión física no excluida de la cubierta por su nombre o descripción específica, efectiva en la fecha de la pérdida.
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