Last Updated July 23, 2012
Enactments through the 2012 Extraordinary Session
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Terms & Conditions
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KRS Chapter 304.14
Terms & Conditions
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.010 Scope of subtitle.
.020 "Policy" defined.
.030 "Premium" defined -- "Late charge" authorized.
.040 Insurable interest.
.050 Insurable interest -- Exception when certain institutions designated beneficiary.
.060 Insurable interest, property.
.070 Power to contract -- Purchase of insurance by minors.
.080 Consent of insured -- Life, health insurance.
.085 Violation of insurable interest for person without insurable interest to pay premiums on life insurance in exchange for ownership in death benefit.
.090 Alteration of application.
.100 Application as evidence.
.110 Representations in applications.
.120 Filing and approval of forms.
.130 Grounds for disapproval.
.135 Uniform health insurance claim forms.
.140 Standard provisions, in general.
.150 Contents of policies in general.
.160 Additional policy contents.
.170 Charter, bylaw provisions.
.180 Must contain entire contract -- Exception concerning additional benefits.
.190 Execution of policies.
.200 Underwriters' and combination policies.
.210 Validity and construction of noncomplying forms.
.230 Delivery of policy.
.240 Renewal of policy.
.250 Assignability -- Rights of insurer, assignee.
.260 Payment discharges insurer.
.270 Forms for proof of loss furnished.
.280 Claims administration not waiver.
.290 Dividends payable to real party.
.300 Exemptions of proceeds, life insurance.
.310 Exemption of proceeds, health insurance.
.320 Exemption of proceeds, group insurance.
.330 Exemption of proceeds, annuity contracts -- Assignability of rights.
.340 Rights of married women in life insurance.
.350 Retention of proceeds of policy by company.
.360 Construction of policies.
.370 Jurisdiction of courts, limitation of actions.
.375 Time limit for seeking reimbursement of health insurance overpayment.
.380 Venue of suits against insurers.
.400 Interest on payment from insuring company.
.410 Use by insurer of itemized statement furnished to paying patient prohibited.
Insurance Policy Simplification
.420 Minimum standards regulations.
.430 Policy cover sheet -- Commissioner approval.
.435 English language requirement for forms, policy, and claim-related information -- Requirements for non-English version -- Use and effect of translations.
.440 Policies to be readable -- Factors to be considered.
.450 Policies to be legible -- Factors to be considered -- Type face style approved by commissioner.
Medicare Supplement Insurance
.500 Definitions for KRS 304.14-510 to 304.14-550.
.510 Minimum standards regulations.
.520 Claim denial restriction.
.530 Regulations establishing minimum standards for loss ratios.
.540 Outline of coverage to be delivered to applicant.
.545 Cancellation of Medicare supplement -- Return of unearned premium.
.550 Notice of policy return right and premium refund.
.560 Consumer's guide to long-term care insurance -- Compilation -- Distribution -- Payment.
Long-Term Care Insurance
.600 Definitions for KRS 304.14-600 to 304.14-625.
.605 Purpose and application to policies of KRS 304.14-600 to 304.14-625.
.610 Group policy issued in another state.
.615 Required standards and disclosures -- "Pre-existing condition" defined -- Right to return policy.
.617 Services required to be included in coverage for assisted living benefits and for adult day care services.
.620 Administrative regulations on marketing practices.
.622 Cancellation of long-term care insurance policy -- Return of unearned premium.
.625 Short title for KRS 304.14-600 to 304.14-625.
.630 Administrative regulations relating to premium rates for long-term care benefits.
.635 Administrative regulations relating to incidental long-term care benefits.
Kentucky Long-Term Care Partnership Insurance Program
.640 Definitions for KRS 205.619 and 304.14-640 to 304.14-644.
.642 Kentucky Long-Term Care Partnership Insurance Program -- Policy component requirements -- Administrative regulations.
.644 Required disclosure of availability of Kentucky Long-Term Care Partnership Insurance Program.
Short-Term Nursing Home Insurance
.650 Definition for KRS 304.14-650 to 304.14-675.
.655 Short-term nursing home products subject to statutes.
.660 Administrative regulations relating to short-term nursing home insurance policies.
.665 Administrative regulations establishing loss ratio standards.
.670 Right to return policy or certificate and to have premium refunded -- Notice -- Proof of delivery of policy.
.675 Coverage for services received in an assisted living community or adult day care facility.