(1) TERMINATION OF COVERAGE. Every hospital or medical expense insurance policy or contract that provides that coverage of a dependent child of a person insured under the policy shall terminate upon attainment of a limiting age for dependent children specified in the policy shall also provide that the age limitation may not operate to terminate the coverage of a dependent child while the child is and continues to be both:
(a) Incapable of self-sustaining employment because of intellectual disability or physical handicap; and (b) Chiefly dependent upon the person insured under the policy for support and maintenance.
(2) PROOF OF INCAPACITY. The insurer may require that proof of the incapacity and dependency be furnished by the person insured under the policy within 31 days of the date the child attains the limiting age, and at any time thereafter except that the insurer may not require proof more frequently than annually after 60632.88 INSURANCE CONTRACTS IN SPECIFIC LINES the 2-year period immediately following attainment of the limiting age by the child.