... or she intentionally concealed when applying for the policy. 1. N.J.S.A. 17B:26-5 requires an incontestability clause in all health-insurance contracts. That ... The New Jersey Legislature addressed these policy considerations by enacting N.J.S.A. 17B:26-5, which requires an incontestability clause in all health-insurance contracts. N.J.S.A. 17B:26-5 gives an insurer a choice of provisions. It states: There ...