Title XXV, Business and Financial Institutions

"Blanket health insurance" is that form of health insurance covering groups of persons as enumerated in one (1) of the following subsections under a policy or contract issued to: (1) Any common carrier or to any operator, owner, or lessee of a means of transportation, who or whic…

Any insurer authorized to write health insurance in this state shall have the power to issue blanket health insurance. No such blanket policy, except as provided in subsection (4) of KRS 304.14-120, may be issued or delivered in this state unless a copy of the form thereof has be…

(1) An individual application need not be required from a person covered under a blanket health policy or contract, nor shall it be necessary for the insurer to furnish each person a certificate, if such person does not pay all or part of the premium for such insurance. (2) A per…

plan, or contract by electronic means -- Employer consent -- Compliance requirements. (1) As used in this section: (a) "Communications" includes health insurance identification cards and other documents; (b) "Covered person" means an individual that: 1. Is an employer-sponsored g…

group health insurance policies. The commissioner shall prescribe guidelines for coordination of benefits by group health insurance policies. All group health insurance policies delivered, issued for delivery, or renewed in Kentucky after July 15, 1986, shall comply with the guid…

Except as provided in KRS 304.17A-265 and 304.17C-137: (1) Subject to subsection (2) of this section, all benefits under any blanket health insurance policy or contract shall be payable to the person insured, or to the person's designated beneficiary or beneficiaries, or to the p…

physicians, chiropractors, or podiatrists. (1) When any policy or group insurance or blanket health insurance issued in this state provides for reimbursement for any service which is within the lawful scope of practice of an optometrist duly licensed as provided in KRS Chapter 32…

services performed by physician. Any group insurance or blanket health insurance policy or contract issued in this state which provides coverage for services which can be lawfully performed within the scope of the license of a duly licensed dentist, shall be deemed to provide ben…

requirements for covered diagnostic breast examinations or supplemental breast examinations. Group or blanket health insurance policies and certificates in this Commonwealth shall comply with KRS 304.17-316.

mastectomy, diagnosis and treatment of endometrioses and endometritis, and bone density testing -- Duties of insurer. (1) All insurers issuing group or blanket health insurance policies and certificates in this Commonwealth providing coverage on an expense-incurred basis shall ma…

(1) All insurers issuing group or blanket health insurance policies and certificates in this Commonwealth providing coverage on an expense-incurred basis for treatment of breast cancer by chemotherapy shall also provide coverage for treatment of breast cancer by high-dose chemoth…

under blanket policy. Nothing contained in this subtitle shall be deemed to affect the legal liability of policyholders for death of or injury to any member insured under a blanket insurance policy.

group -- Notice of eligibility. (1) As used in this section: (a) "Group policy" means group health insurance policies as defined in KRS 304.18-020 and blanket health insurance policies which the commissioner, in his or her discretion, designates as subject to this section, which:…

group policy -- Terms -- Situations in which conversion coverage need not be granted. (1) As used in this section: (a) "Conversion health insurance coverage" means a health benefit plan meeting the requirements of this section and regulated in accordance with Subtitles 17 and 17A…

(1) A converted policy issued pursuant to the conversion privilege contained in a group policy providing hospital or surgical expense insurance shall not impose a lifetime maximum benefit of less than five hundred thousand dollars ($500,000). (2) The commissioner by administrativ…

As used in KRS 304.18-124 to 304.18-127, "group policy" means group health insurance policies as defined in KRS 304.18-020 and blanket health insurance policies which the commissioner, in his or her discretion, designates as subject to KRS 304.18-124 to 304.18-127, which: (1) Aff…

(1) The insurer shall be liable for valid claims for covered losses incurred prior to the end of the grace period if the premium charge is paid prior to the end of the grace period. (2) This section shall not eliminate the responsibility of the insurer to notify persons of the ri…

Extensions to be described in group policies and certificates. (1) As used in this section, "disability" means the state of being hospitalized on the date of replacement coverage or coverage under an extension of benefits provision. (2) An insurer offering group health insurance,…

(1) This section shall indicate the insurer responsible for liability in those instances in which one (1) insurer's group policy replaces the group policy of another insurer. (2) The prior insurer shall remain liable only to the extent of its accrued liabilities, extension of ben…

(1) Except as otherwise expressly provided herein, no contract providing major medical or outpatient care benefits, issued pursuant to Subtitles 18, 32, and 38 of KRS Chapter 304, shall be sold or offered for sale in the Commonwealth of Kentucky unless such contract offers the ma…

Group contracts providing major medical or outpatient care benefits issued pursuant to KRS 304.18-130 for treatment of alcoholism shall require: (1) That the patient be under the supervision of a physician licensed to practice in the Commonwealth or a professional designated by s…

Nothing contained in KRS 304.18-130 to 304.18-180 shall be construed as prohibiting negotiation of group contracts providing major medical or outpatient benefits that exceed the minimum benefits required by KRS 304.18-140 relating to treatment of alcoholism.

Treatment for alcoholism in acute care hospitals licensed by the Commonwealth or accredited by the Joint Commission shall be treated by all health care carriers as any other disease entity covered by their contracts.

(1) All definitions relating to alcoholism and the treatment for alcoholism, as contained in KRS Chapter 222 and Kentucky Administrative Regulations promulgated therefrom, shall apply to KRS 304.18-130 to 304.18-170. (2) All services rendered by a health care facility under KRS 3…

The commissioner of insurance shall administer the provisions of KRS 304.18-130 to 304.18-170 and may adopt rules and regulations to implement the provisions of KRS 304.18-130 to 304.18-170.

All life insurance and all health insurance in connection with loans or other credit transactions shall be subject to the provisions of KRS 304.19-020 to 304.19-140, except health insurance in connection with a loan or other credit transaction of more than five (5) years' duratio…

For the purpose of KRS 304.19-020 to 304.19-140: (1) "Credit health insurance" means insurance on a debtor to provide indemnity for payments becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy; (2) "Credit life insuran…

Credit life insurance and credit health insurance shall be issued only in the following forms: (1) Individual policies of life insurance issued to debtors on the term plan; (2) Individual policies of health insurance issued to debtors on a term plan or disability benefit provisio…

(1) The initial amount of credit life insurance shall not exceed the total amount repayable under the contract of indebtedness and, where an indebtedness is repayable in substantially equal installments, the amount of insurance shall at no time exceed the scheduled or actual amou…

The total amount of indemnity payable by credit health insurance in the event of disability, as defined in the policy, shall not exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness; and the amount of each periodic indemnity payment shall not exc…

(1) The term of any credit life insurance or credit health insurance shall, subject to acceptance by the insurer, commence on the date when the debtor becomes obligated to the creditor; except, that where a group policy provides coverage with respect to existing obligations, the …

debtors. (1) All credit life insurance and credit health insurance shall be evidenced by an individual policy, or in the case of group insurance by a certificate of insurance, which individual policy or group certificate shall be delivered to the debtor. (2) Each individual polic…

(1) All such policies, certificates of insurance, notices of proposed insurance, applications for insurance, indorsements and riders delivered or issued for delivery in this state and the schedule of premium rates pertaining thereto shall be filed with the commissioner. (2) All l…

when coverage is not a loan condition. (1) Notwithstanding KRS 304.19-080, an insurer issuing credit health insurance coverage to credit union borrowers, when the coverage is not required as a condition of the loan, may use higher credit health insurance premium rates for specifi…

(1) Any insurer may revise its schedules of premium rates from time to time, and shall file such revised schedules with the commissioner. No insurer shall issue any credit life insurance or credit health insurance policy for which the premium rate exceeds that determined by the s…

All policies of credit life insurance and credit health insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business herein, and shall be issued only through holders of licenses, or authorization issued by the commiss…

(1) All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract. (2) All claims shall b…

When credit life insurance or credit health insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled…

Whenever the commissioner finds that there has been a violation of KRS 304.19-020 to 304.19-140 or any administrative regulations promulgated pursuant thereto, the commissioner shall conduct a hearing in accordance with this chapter and KRS Chapter 13B.

A credit life insurance policy may include a provision excluding or denying a claim for death in the event of suicide within six (6) months (twelve (12) months for contracts of more than three (3) years) after purchase of the policy.

As used in KRS 304.19-200 to 304.19-215: (1) "Collateral" means any personal property, including but not limited to a motor vehicle, pledged as security or in which a purchase money security interest is retained, for the satisfaction of a debt; (2) "Credit personal property insur…

(1) Except as provided in subsection (2) of this section, all credit personal property insurance written in connection with credit transactions for personal, family, or household purposes shall be subject to KRS 304.19-200 to 304.19-215. (2) The following shall not be subject to …

Restrictions and requirements. (1) As used in this section, "gross debt" means the sum of the remaining payments owed to a creditor by a debtor. (2) For credit personal property insurance sold in conjunction with a closed-end credit transaction, an insurer shall not issue the ins…

When credit personal property insurance is written pursuant to KRS 304.19-200 to 304.19-215, the creditor shall deliver, or cause to be delivered, a policy, certificate, memorandum, or other disclosure which discloses the coverage and costs to the debtor within thirty (30) days a…

With respect to credit personal property insurance delivered or issued for delivery in this state, all of the following shall be filed with the commissioner: (1) All policies, certificates, plans, and contracts, including endorsements and riders; (2) Group and individual applicat…

Calculation of unearned premiums. (Effective July 15, 2026) (1) Upon cancellation of credit personal property insurance for any reason prior to the scheduled maturity date of the indebtedness, the insurer shall promptly refund or credit the debtor any unearned premium in accordan…