CHAPTER 304. INSURANCE CODE  


001. Repealed, 1970. [Repealed]
002. Repealed, 1970. [Repealed]
003. Repealed, 1970. [Repealed]
004. Repealed, 1970. [Repealed]
005. Repealed, 1970. [Repealed]
006. Repealed, 1970. [Repealed]
007. Repealed, 1970. [Repealed]
008. Repealed, 1970. [Repealed]
009. Repealed, 1970. [Repealed]
010. Repealed, 1970. [Repealed]
013. Repealed, 1970. [Repealed]
016. Repealed, 1970. [Repealed]
018. Repealed, 1970. [Repealed]
020. Repealed, 1970. [Repealed]
021. Repealed, 1970. [Repealed]
022. Repealed, 1970. [Repealed]
023. Repealed, 1970. [Repealed]
024. Repealed, 1970. [Repealed]
025. Repealed, 1970. [Repealed]
027. Repealed, 1970. [Repealed]
030. Repealed, 1970. [Repealed]
031. Repealed, 1970. [Repealed]
033. Repealed, 1970. [Repealed]
034. Repealed, 1970. [Repealed]
035. Repealed, 1970. [Repealed]
036. Repealed, 1970. [Repealed]
037. Repealed, 1970. [Repealed]
038. Repealed, 1970. [Repealed]
039. Repealed, 1970. [Repealed]
042. Repealed, 1970. [Repealed]
044. Repealed, 1970. [Repealed]
046. Repealed, 1970. [Repealed]
048. Repealed, 1970. [Repealed]
050. Repealed, 1970. [Repealed]
052. Repealed, 1970. [Repealed]
060. Repealed, 1970. [Repealed]
061. Repealed, 1970 . [Repealed]
063. Repealed, 1970. [Repealed]
065. Repealed, 1970. [Repealed]
067. Repealed, 1970. [Repealed]
069. Repealed, 1970. [Repealed]
071. Repealed, 1966. [Repealed]
072. Repealed, 1970. [Repealed]
073. Repealed, 1966. [Repealed]
074. Repealed, 1970. [Repealed]
075. Repealed, 1966. [Repealed]
076. Repealed, 1970. [Repealed]
077. Repealed, 1970. [Repealed]
078. Repealed, 1970. [Repealed]
080. Repealed, 1970. [Repealed]
082. Repealed, 1970. [Repealed]
083. Repealed, 1970. [Repealed]
085. Repealed, 1970. [Repealed]
087. Repealed, 1970. [Repealed]
089. Repealed, 1970. [Repealed]
091. Repealed, 1970. [Repealed]
093. Repealed, 1970. [Repealed]
094. Repealed, 1970. [Repealed]
095. Repealed, 1970. [Repealed]
097. Repealed, 1970 [Repealed]
099. Repealed, 1970. [Repealed]
101. Repealed, 1962. [Repealed]
103. Repealed, 1970. [Repealed]
105. Repealed, 1970. [Repealed]
110. Repealed, 1970. [Repealed]
115. Repealed, 1970. [Repealed]
120. Repealed, 1970. [Repealed]
121. Repealed, 1970. [Repealed]
123. Repealed, 1970. [Repealed]
125. Repealed, 1970. [Repealed]
127. Repealed, 1970. [Repealed]
128. Repealed, 1970 [Repealed]
129. Repealed, 1970. [Repealed]
132. Repealed, 1970. [Repealed]
134. Repealed, 1970. [Repealed]
136. Repealed, 1970. [Repealed]
138. Repealed, 1970. [Repealed]
139. Repealed, 1962. [Repealed]
140. Repealed, 1970. [Repealed]
144. Repealed, 1970. [Repealed]
145. Repealed, 1970. [Repealed]
146. Repealed, 1970. [Repealed]
147. Repealed, 1970. [Repealed]
148. Repealed, 1970. [Repealed]
150. Repealed, 1970. [Repealed]
151. Repealed, 1970. [Repealed]
154. Repealed, 1970. [Repealed]
155. Repealed, 1970. [Repealed]
157. Repealed, 1970. [Repealed]
159. Repealed, 1970. [Repealed]
160. Repealed, 1970. [Repealed]
162. Repealed, 1970. [Repealed]
165. Repealed, 1970. [Repealed]
167. Repealed, 1970. [Repealed]
168. Repealed, 1970. [Repealed]
169. Repealed, 1970. [Repealed]
170. Repealed, 1970. [Repealed]
171. Repealed, 1970. [Repealed]
172. Repealed, 1970. [Repealed]
173. Repealed, 1970. [Repealed]
174. Repealed, 1970. [Repealed]
178. Repealed, 1970. [Repealed]
179. Repealed, 1970. [Repealed]
180. Repealed, 1970. [Repealed]
181. Repealed, 1970. [Repealed]
182. Repealed, 1970. [Repealed]
183. Repealed, 1970. [Repealed]
184. Repealed, 1970. [Repealed]
185. Repealed, 1970. [Repealed]
186. Repealed, 1970. [Repealed]
188. Repealed, 1970. [Repealed]
189. Repealed, 1970. [Repealed]
191. Repealed, 1970. [Repealed]
192. Repealed, 1970. [Repealed]
193. Repealed, 1970. [Repealed]
194. Repealed, 1970. [Repealed]
280. Repealed, 1970. [Repealed]
281. Repealed, 1970. [Repealed]
282. Repealed, 1970. [Repealed]
283. Repealed, 1970. [Repealed]
284. Repealed, 1970. [Repealed]
285. Repealed, 1970. [Repealed]
286. Repealed, 1970. [Repealed]
288. Repealed, 1970. [Repealed]
289. Repealed, 1970. [Repealed]
290. Repealed, 1970. [Repealed]
291. Repealed, 1970. [Repealed]
292. Repealed, 1970. [Repealed]
294. Repealed, 1970. [Repealed]
296. Repealed, 1970. [Repealed]
297. Repealed, 1970. [Repealed]
298. Repealed, 1970. [Repealed]
299. Repealed, 1970. [Repealed]
301. Repealed, 1970. [Repealed]
302. Repealed, 1970. [Repealed]
303. Repealed, 1970. [Repealed]
304. Repealed, 1970. [Repealed]
305. Repealed, 1970. [Repealed]
306. Repealed, 1970. [Repealed]
307. Repealed, 1970. [Repealed]
308. Repealed, 1970. [Repealed]
310. Repealed, 1970. [Repealed]
311. Repealed, 1970. [Repealed]
315. Repealed, 1970. [Repealed]
316. Repealed, 1970. [Repealed]
317. Repealed, 1970. [Repealed]
318. Repealed, 1970. [Repealed]
319. Repealed, 1970. [Repealed]
340. Repealed, 1970. [Repealed]
342. Repealed, 1970. [Repealed]
344. Repealed, 1970. [Repealed]
347. Repealed, 1970. [Repealed]
348. Repealed, 1970. [Repealed]
350. Repealed, 1970. [Repealed]
352. Repealed, 1970. [Repealed]
354. Repealed, 1970. [Repealed]
356. Repealed, 1970. [Repealed]
365. Repealed, 1970. [Repealed]
366. Repealed, 1970. [Repealed]
367. Repealed, 1970. [Repealed]
369. Repealed, 1970. [Repealed]
370. Repealed, 1970. [Repealed]
371. Repealed, 1970. [Repealed]
372. Repealed, 1970. [Repealed]
373. Repealed, 1970. [Repealed]
375. Repealed, 1970. [Repealed]
376. Repealed, 1970. [Repealed]
378. Repealed, 1970. [Repealed]
379. Repealed, 1970. [Repealed]
380. Repealed, 1970. [Repealed]
381. Repealed, 1970. [Repealed]
383. Repealed, 1970. [Repealed]
385. Repealed, 1970. [Repealed]
387. Repealed, 1970. [Repealed]
388. Repealed, 1970. [Repealed]
389. Repealed, 1970. [Repealed]
390. Repealed, 1970. [Repealed]
400. Repealed, 1970. [Repealed]
401. Repealed, 1970. [Repealed]
402. Repealed, 1970. [Repealed]
403. Repealed, 1970. [Repealed]
404. Repealed, 1970. [Repealed]
405. Repealed, 1970. [Repealed]
406. Repealed, 1970. [Repealed]
407. Repealed, 1970. [Repealed]
408. Repealed, 1970. [Repealed]
411. Repealed, 1970. [Repealed]
412. Repealed, 1970. [Repealed]
413. Repealed, 1970. [Repealed]
415. Repealed, 1970. [Repealed]
417. Repealed, 1970. [Repealed]
418. Repealed, 1970. [Repealed]
419. Repealed, 1970. [Repealed]
420. Repealed, 1970. [Repealed]
421. Repealed, 1970. [Repealed]
422. Repealed, 1970. [Repealed]
423. Repealed, 1970. [Repealed]
424. Repealed, 1970. [Repealed]
425. Repealed, 1970. [Repealed]
426. Repealed, 1970. [Repealed]
428. Repealed, 1970. [Repealed]
429. Repealed, 1970. [Repealed]
430. Repealed, 1970. [Repealed]
431. Repealed, 1970. [Repealed]
432. Repealed, 1970. [Repealed]
433. Repealed, 1970. [Repealed]
434. Repealed, 1970. [Repealed]
435. Repealed, 1970. [Repealed]
437. Repealed, 1970. [Repealed]
438. Repealed, 1970. [Repealed]
441. Repealed, 1970. [Repealed]
444. Repealed, 1970. [Repealed]
445. Repealed, 1970. [Repealed]
446. Repealed, 1970. [Repealed]
447. Repealed, 1970. [Repealed]
448. Repealed, 1970. [Repealed]
449. Repealed, 1970. [Repealed]
450. Repealed, 1970. [Repealed]
453. Repealed, 1970. [Repealed]
454. Repealed, 1970. [Repealed]
460. Repealed, 1970. [Repealed]
463. Repealed, 1970. [Repealed]
465. Repealed, 1970. [Repealed]
467. Repealed, 1970. [Repealed]
475. Repealed, 1970. [Repealed]
476. Repealed, 1970. [Repealed]
477. Repealed, 1970. [Repealed]
478. Repealed, 1970. [Repealed]
479. Repealed, 1970. [Repealed]
484. Repealed, 1970. [Repealed]
485. Repealed, 1970. [Repealed]
487. Repealed, 1970. [Repealed]
489. Repealed, 1970. [Repealed]
490. Repealed, 1970. [Repealed]
492. Repealed, 1970. [Repealed]
493. Repealed, 1970. [Repealed]
494. Repealed, 1970. [Repealed]
495. Repealed, 1970. [Repealed]
497. Repealed, 1970. [Repealed]
499. Repealed, 1970. [Repealed]
501. Repealed, 1970. [Repealed]
503. Repealed, 1970. [Repealed]
504. Repealed, 1970. [Repealed]
510. Repealed, 1970. [Repealed]
511. Repealed, 1970. [Repealed]
512. Repealed, 1970. [Repealed]
513. Repealed, 1970. [Repealed]
514. Repealed, 1970. [Repealed]
515. Repealed, 1970. [Repealed]
516. Repealed, 1970. [Repealed]
517. Repealed, 1970. [Repealed]
518. Repealed, 1970. [Repealed]
519. Repealed, 1970. [Repealed]
520. Repealed, 1970. [Repealed]
521. Repealed, 1970. [Repealed]
522. Repealed, 1970. [Repealed]
523. Repealed, 1970. [Repealed]
524. Repealed, 1970. [Repealed]
525. Repealed, 1970. [Repealed]
526. Repealed, 1970. [Repealed]
527. Repealed, 1970. [Repealed]
528. Repealed, 1970. [Repealed]
529. Repealed, 1970. [Repealed]
530. Repealed, 1970. [Repealed]
534. Repealed, 1970. [Repealed]
535. Repealed, 1970. [Repealed]
536. Repealed, 1970. [Repealed]
537. Repealed, 1970. [Repealed]
538. Repealed, 1970. [Repealed]
540. Repealed, 1970. [Repealed]
541. Repealed, 1970. [Repealed]
542. Repealed, 1970. [Repealed]
545. Repealed, 1970. [Repealed]
546. Repealed, 1970. [Repealed]
547. Repealed, 1970. [Repealed]
548. Repealed, 1970. [Repealed]
549. Repealed, 1970. [Repealed]
550. Repealed, 1970. [Repealed]
551. Repealed, 1970. [Repealed]
552. Repealed, 1970. [Repealed]
554. Repealed, 1970. [Repealed]
556. Repealed, 1970. [Repealed]
557. Repealed, 1970. [Repealed]
558. Repealed, 1970. [Repealed]
559. Repealed, 1970. [Repealed]
560. Repealed, 1970. [Repealed]
563. Repealed, 1970. [Repealed]
564. Repealed, 1970. [Repealed]
565. Repealed, 1970. [Repealed]
566. Repealed, 1970. [Repealed]
567. Repealed, 1970. [Repealed]
568. Repealed, 1970. [Repealed]
569. Repealed, 1970. [Repealed]
570. Repealed, 1970. [Repealed]
571. Repealed, 1970. [Repealed]
572. Repealed, 1970. [Repealed]
573. Repealed, 1970. [Repealed]
574. Repealed, 1970. [Repealed]
576. Repealed, 1970. [Repealed]
577. Repealed, 1970. [Repealed]
578. Repealed, 1970. [Repealed]
579. Repealed, 1990. [Repealed]
580. Repealed, 1968. [Repealed]
581. Repealed, 1970. [Repealed]
582. Repealed, 1968. [Repealed]
583. Repealed, 1968. [Repealed]
584. Repealed, 1968. [Repealed]
585. Repealed, 1970. [Repealed]
586. Repealed, 1970. [Repealed]
587. Repealed, 1970. [Repealed]
588. Repealed, 1970. [Repealed]
589. Repealed, 1970. [Repealed]
590. Repealed, 1970. [Repealed]
591. Repealed, 1970. [Repealed]
592. Repealed, 1970. [Repealed]
593. Repealed, 1970. [Repealed]
595. Repealed, 1970. [Repealed]
596. Repealed, 1970. [Repealed]
597. Repealed, 1968. [Repealed]
598. Repealed, 1970. [Repealed]
600. Repealed, 1970. [Repealed]
601. Repealed, 1970. [Repealed]
602. Repealed, 1970. [Repealed]
603. Repealed, 1970. [Repealed]
604. Repealed, 1970. [Repealed]
605. Repealed, 1970. [Repealed]
606. Repealed, 1970. [Repealed]
607. Repealed, 1970. [Repealed]
608. Repealed, 1970. [Repealed]
609. Repealed, 1970. [Repealed]
610. Repealed, 1970. [Repealed]
611. Repealed, 1970. [Repealed]
612. Repealed, 1970. [Repealed]
614. Repealed, 1970. [Repealed]
616. Repealed, 1970. [Repealed]
617. Repealed, 1970. [Repealed]
625. Repealed, 1970. [Repealed]
626. Repealed, 1970. [Repealed]
627. Repealed, 1970. [Repealed]
628. Repealed, 1970. [Repealed]
630. Repealed, 1970. [Repealed]
631. Repealed, 1970. [Repealed]
633. Repealed, 1970. [Repealed]
634. Repealed, 1970. [Repealed]
636. Repealed, 1970. [Repealed]
637. Repealed, 1970. [Repealed]
638. Repealed, 1970. [Repealed]
639. Repealed, 1970. [Repealed]
641. Repealed, 1970. [Repealed]
642. Repealed, 1970. [Repealed]
643. Repealed, 1970. [Repealed]
644. Repealed, 1970. [Repealed]
648. Repealed, 1970. [Repealed]
649. Repealed, 1970. [Repealed]
650. Repealed, 1970. [Repealed]
651. Repealed, 1970. [Repealed]
652. Repealed, 1970. [Repealed]
653. Repealed, 1970. [Repealed]
654. Repealed, 1970. [Repealed]
655. Repealed, 1970. [Repealed]
656. Repealed, 1970. [Repealed]
657. Repealed, 1970. [Repealed]
658. Repealed, 1970. [Repealed]
660. Repealed, 1970. [Repealed]
661. Repealed, 1970. [Repealed]
662. Repealed, 1970. [Repealed]
663. Repealed, 1970. [Repealed]
666. Repealed, 1970. [Repealed]
667. Repealed, 1970. [Repealed]
669. Repealed, 1970. [Repealed]
671. Repealed, 1970. [Repealed]
672. Repealed, 1970. [Repealed]
673. Repealed, 1970. [Repealed]
674. Repealed, 1970. [Repealed]
677. Repealed, 1970. [Repealed]
679. Repealed, 1970. [Repealed]
682. Repealed, 1970. [Repealed]
683. Repealed, 1970. [Repealed]
684. Repealed, 1970. [Repealed]
685. Repealed, 1970. [Repealed]
687. Repealed, 1970. [Repealed]
688. Repealed, 1970. [Repealed]
689. Repealed, 1970. [Repealed]
690. Repealed, 1970. [Repealed]
691. Repealed, 1970. [Repealed]
692. Repealed, 1970. [Repealed]
693. Repealed, 1970. [Repealed]
695. Repealed, 1970. [Repealed]
697. Repealed, 1970. [Repealed]
698. Repealed, 1970. [Repealed]
701. Repealed, 1970. [Repealed]
702. Repealed, 1970. [Repealed]
707. Repealed, 1970. [Repealed]
708. Repealed, 1970. [Repealed]
709. Repealed, 1970. [Repealed]
712. Repealed, 1970. [Repealed]
713. Repealed, 1954. [Repealed]
714. Repealed, 1970. [Repealed]
715. Repealed, 1970. [Repealed]
716. Repealed, 1970. [Repealed]
717. Repealed, 1970. [Repealed]
718. Repealed, 1970. [Repealed]
719. Repealed, 1970. [Repealed]
720. Repealed, 1970. [Repealed]
721. Repealed, 1970. [Repealed]
722. Repealed, 1970. [Repealed]
723. Repealed, 1970. [Repealed]
724. Repealed, 1970. [Repealed]
725. Repealed, 1970. [Repealed]
726. Repealed, 1954. [Repealed]
727. Repealed, 1954. [Repealed]
728. Repealed, 1954. [Repealed]
729. Repealed, 1954. [Repealed]
730. Repealed, 1970. [Repealed]
731. Repealed, 1970. [Repealed]
732. Repealed, 1970. [Repealed]
733. Repealed, 1970. [Repealed]
734. Repealed, 1970. [Repealed]
735. Repealed, 1970. [Repealed]
736. Repealed, 1970. [Repealed]
737. Repealed, 1970. [Repealed]
738. Repealed, 1970. [Repealed]
739. Repealed, 1970. [Repealed]
740. Repealed, 1970. [Repealed]
741. Repealed, 1970. [Repealed]
742. Repealed, 1954. [Repealed]
743. Repealed, 1954. [Repealed]
744. Repealed, 1970. [Repealed]
745. Repealed, 1970. [Repealed]
746. Repealed, 1970. [Repealed]
747. Repealed, 1970. [Repealed]
748. Repealed, 1970. [Repealed]
749. Repealed, 1970. [Repealed]
760. Repealed, 1970. [Repealed]
761. Repealed, 1970. [Repealed]
765. Repealed, 1970. [Repealed]
767. Repealed, 1970. [Repealed]
768. Repealed, 1970. [Repealed]
769. Repealed, 1970. [Repealed]
770. Repealed, 1970. [Repealed]
771. Repealed, 1970. [Repealed]
775. Repealed, 1970. [Repealed]
778. Repealed, 1970. [Repealed]
779. Repealed, 1970. [Repealed]
786. Repealed, 1970. [Repealed]
787. Repealed, 1970. [Repealed]
788. Repealed, 1970. [Repealed]
789. Repealed, 1970. [Repealed]
790. Repealed, 1970. [Repealed]
791. Repealed, 1970. [Repealed]
792. Repealed, 1970. [Repealed]
793. Repealed, 1970. [Repealed]
796. Repealed, 1970. [Repealed]
797. Repealed, 1970. [Repealed]
798. Repealed, 1970. [Repealed]
799. Repealed, 1970. [Repealed]
801. Repealed, 1970. [Repealed]
802. Repealed, 1970. [Repealed]
803. Repealed, 1970. [Repealed]
804. Repealed, 1970. [Repealed]
805. Repealed, 1970. [Repealed]
806. Repealed, 1970. [Repealed]
808. Repealed, 1970. [Repealed]
811. Repealed, 1970. [Repealed]
812. Repealed, 1970. [Repealed]
813. Repealed, 1970. [Repealed]
817. Repealed, 1970. [Repealed]
818. Repealed, 1970. [Repealed]
820. Repealed, 1970. [Repealed]
823. Repealed, 1970. [Repealed]
825. Repealed, 1970. [Repealed]
828. Repealed, 1970. [Repealed]
832. Repealed, 1970. [Repealed]
833. Repealed, 1970. [Repealed]
834. Repealed, 1970. [Repealed]
835. Repealed, 1970. [Repealed]
836. Repealed, 1970. [Repealed]
837. Repealed, 1970. [Repealed]
838. Repealed, 1970. [Repealed]
839. Repealed, 1970. [Repealed]
841. Repealed, 1970. [Repealed]
842. Repealed, 1970. [Repealed]
843. Repealed, 1970. [Repealed]
844. Repealed, 1970. [Repealed]
845. Repealed, 1970. [Repealed]
846. Repealed, 1970. [Repealed]
848. Repealed, 1970. [Repealed]
849. Repealed, 1970. [Repealed]
850. Repealed, 1970. [Repealed]
851. Repealed, 1970. [Repealed]
852. Repealed, 1970. [Repealed]
853. Repealed, 1970. [Repealed]
854. Repealed, 1970. [Repealed]
855. Repealed, 1970. [Repealed]
856. Repealed, 1970. [Repealed]
857. Repealed, 1970. [Repealed]
858. Repealed, 1970. [Repealed]
859. Repealed, 1970. [Repealed]
865. Repealed, 1970. [Repealed]
866. Repealed, 1970. [Repealed]
871. Repealed, 1970. [Repealed]
872. Repealed, 1970. [Repealed]
873. Repealed, 1970. [Repealed]
874. Repealed, 1970. [Repealed]
875. Repealed, 1970. [Repealed]
876. Repealed, 1970. [Repealed]
877. Repealed, 1970. [Repealed]
878. Repealed, 1970. [Repealed]
879. Repealed, 1970. [Repealed]
880. Repealed, 1970. [Repealed]
881. Repealed, 1970. [Repealed]
882. Repealed, 1970. [Repealed]
883. Repealed, 1970. [Repealed]
884. Repealed, 1970. [Repealed]
885. Repealed, 1970. [Repealed]
886. Repealed, 1970. [Repealed]
890. Repealed, 1970. [Repealed]
892. Repealed, 1970. [Repealed]
893. Repealed, 1970. [Repealed]
894. Repealed, 1970. [Repealed]
895. Repealed, 1970. [Repealed]
905. Repealed, 1970. [Repealed]
906. Repealed, 1970. [Repealed]
907. Repealed, 1970. [Repealed]
911. Repealed, 1970. [Repealed]
913. Repealed, 1970. [Repealed]
914. Repealed, 1970. [Repealed]
915. Repealed, 1970. [Repealed]
916. Repealed, 1970. [Repealed]
918. Repealed, 1970. [Repealed]
920. Repealed, 1970. [Repealed]
921. Repealed, 1970. [Repealed]
922. Repealed, 1970. [Repealed]
923. Repealed, 1970. [Repealed]
924. Repealed, 1970. [Repealed]
925. Repealed, 1970. [Repealed]
926. Repealed, 1970. [Repealed]
927. Repealed, 1970. [Repealed]
928. Repealed, 1970. [Repealed]
929. Repealed, 1970. [Repealed]
930. Repealed, 1970. [Repealed]
931. Repealed, 1970. [Repealed]
932. Repealed, 1970. [Repealed]
933. Repealed, 1970. [Repealed]
934. Repealed, 1970. [Repealed]
935. Repealed, 1970. [Repealed]
937. Repealed, 1970. [Repealed]
939. Repealed, 1970. [Repealed]
942. Repealed, 1970. [Repealed]
943. Repealed, 1970. [Repealed]
944. Repealed, 1970. [Repealed]
945. Repealed, 1970. [Repealed]
951. Repealed, 1970. [Repealed]
952. Repealed, 1970. [Repealed]
953. Repealed, 1970. [Repealed]
954. Repealed, 1970. [Repealed]
955. Repealed, 1970. [Repealed]
956. Repealed, 1970. [Repealed]
957. Repealed, 1970. [Repealed]
959. Repealed, 1970. [Repealed]
960. Repealed, 1970. [Repealed]
961. Repealed, 1970. [Repealed]
962. Repealed, 1970. [Repealed]
963. Repealed, 1970. [Repealed]
964. Repealed, 1970. [Repealed]
965. Repealed, 1970. [Repealed]
966. Repealed, 1970. [Repealed]
968. Repealed, 1970. [Repealed]
969. Repealed, 1970. [Repealed]
970. Repealed, 1970. [Repealed]
972. Repealed, 1970. [Repealed]
973. Repealed, 1970. [Repealed]
974. Repealed, 1970. [Repealed]
975. Repealed, 1970. [Repealed]
976. Repealed, 1970. [Repealed]
977. Repealed, 1970. [Repealed]
978. Repealed, 1970. [Repealed]
979. Repealed, 1970. [Repealed]
980. Repealed, 1970. [Repealed]
981. Repealed, 1970. [Repealed]
982. Repealed, 1970. [Repealed]
983. Repealed, 1970. [Repealed]
984. Repealed, 1970. [Repealed]
985. Repealed, 1970. [Repealed]
986. Repealed, 1970. [Repealed]
990. Repealed, 1970. [Repealed]
Subtitle 1. Scope -- General Definitions and Provisions
1-010. Contents of chapter.
1-020. "Person" defined.
1-030. "Insurance" defined.
1-040. "Insurer" defined.
1-050. "Commissioner" and "department" defined.
1-060. "State" defined.
1-070. "Domestic," "foreign," "alien" insurer defined.
1-080. "Domicile" defined.
1-090. "Principal office" defined.
1-100. "Authorized," "unauthorized" insurer defined.
1-110. "Certificate of authority," "license" defined.
1-120. Application of code to particular types of organizations.
1-130. Particular provisions prevail.
1-140. Captions not to affect meaning.
1-150. "Subtitle" defined.
1-160. Existing license.
1-170. Existing or filed insurance forms.
1-180. Existing actions and violations.
1-190. No civil liability for furnishing information to law enforcement authorities concerning designated matters.
Subtitle 2. Insurance Commissioner
2-010. Department of Insurance continued.
2-015. Amended, reenacted, and renumbered as KRS 198B.035, effective July 15, 1980.
2-020. Commissioner of insurance -- Appointment, term -- Divisions within department.
2-030. Commissioner's oath -- Bond.
2-040. Official seal.
2-050. Documents under seal.
2-060. Appointment of deputies.
2-063. Consumer Protection Division.
2-065. Early warning analyst.
2-070. Independent technical, professional services.
2-080. Prohibited interest, rewards.
2-090. Delegation of powers.
2-100. General powers and duties of commissioner.
2-105. Commissioner's authority to extend in-state insurance activity to match that of federally regulated financial institutions.
2-110. Rules and regulations.
2-120. Orders and notices in general -- Service.
2-130. Enforcement.
2-140. Penalties for violations.
2-150. Records -- Inspection -- Destruction -- Subject to Open Records Act.
2-155. Repealed, 1994. [Repealed]
2-160. Complaints.
2-165. Complaints regarding health insurer -- Other authority of commissioner.
2-170. Official documents, reproductions, and certified copies -- Use as evidence.
2-180. Repealed, 1982. [Repealed]
2-190. Publications -- Sale.
2-195. Interstate compacts for issuing certificates of authority.
2-200. Interstate cooperation.
2-205. Annual statement convention blank -- Immunity from prosecution.
2-210. Examination of insurers.
2-220. Examination of holding companies, subsidiaries, agents, promoters, and others.
2-230. Conduct of examination -- Immunity for examiners -- Access to records -- Corrections -- Penalty.
2-240. Appraisal of asset.
2-250. Examination reports -- Contents -- Prima facie evidence in certain proceedings -- Confidentiality.
2-260. Examination reports -- Distribution -- Hearing -- Order of commissioner -- Confidentiality -- Public inspection -- Regulatory action.
2-270. Examination report of domestic insurer -- Confidential nature -- Limited disclosure.
2-280. Examiners -- Qualifications.
2-290. Examination expense.
2-300. Examination expense revolving fund.
2-310. Administrative procedures -- Hearings.
2-320. Notice of hearing.
2-330. Repealed, 1996. [Repealed]
2-340. Witnesses and evidence.
2-350. Testimony compelled -- Immunity from prosecution.
2-360. Order on hearing.
2-370. Appeal from the commissioner.
2-380. Repealed, 1980. [Repealed]
2-390. Repealed, 1986. [Repealed]
2-400. Insurance regulatory trust fund -- Use.
2-410. Investment of insurance regulatory trust fund.
2-420. Transfer of funds to insurance regulatory trust fund to cover deficiency.
2-430. Payment of expenses of department from general fund -- Reimbursement.
2-440. Assessment of insurers.
Subtitle 3. Authorization of Insurers and General Requirements
3-010. "Stock" insurer defined.
3-020. "Mutual" insurer defined.
3-025. "Combined stock and mutual life" insurer defined.
3-030. "Reciprocal" insurer defined.
3-040. "Lloyd's Plan" insurer defined.
3-050. "Charter" defined.
3-060. Exceptions to certificate of authority requirement.
3-070. General eligibility for certificate of authority.
3-080. General eligibility for certificate of authority -- Ownership -- Management.
3-090. General eligibility for certificate of authority -- Prior operation.
3-100. Name of insurer.
3-110. Combinations of insuring powers, one insurer.
3-120. Capital funds required -- Amount of surplus required.
3-125. Authority for commissioner to require additional capital and surplus.
3-130. Repealed, 1982. [Repealed]
3-140. Deposit requirement in general.
3-150. Application for certificate of authority.
3-160. Issuance -- Refusal of authority -- Ownership of certificate.
3-170. Amended certificate of authority.
3-180. Continuance, expiration, and reinstatement of certificate of authority -- Preparation of audited financial statements.
3-190. Suspension or revocation of certificate of authority -- Mandatory grounds.
3-200. Suspension or revocation of certificate of authority -- Discretionary and special grounds.
3-210. Order -- Notice of suspension or revocation -- Publication -- Effect upon agents' authority.
3-220. Duration of suspension -- Insurer's obligation during suspension period -- Reinstatement.
3-230. Service of process on insurers -- Secretary of State as attorney for service of process.
3-240. Annual and quarterly financial statement -- Penalty for noncompliance -- Publication of financial statement prepared on a different basis.
3-241. Accounting practices and procedures for annual and quarterly statements.
3-242. Property and casualty insurers to annually submit statement of actuarial opinion and supporting documentation -- Opinion to be available for public inspection -- Confidentiality of supporting documentation -- Exemptions to filing requirement.
3-245. Repealed, 1998. [Repealed]
3-250. Repealed, 1998. [Repealed]
3-260. Repealed, 1998. [Repealed]
3-270. Retaliatory provision.
3-280. Effect of provision limiting or excluding insurer's obligation to pay claim of insured eligible for medical assistance.
3-310. Repealed, 1988. [Repealed]
3-315. Repealed, 1992. [Repealed]
3-320. Guaranty fund deposit by foreign insurers may be required by commissioner.
3-330. Reports of past-due loans and loans in foreclosure to early warning analyst.
Business Transacted with a Producer-Controlled Property or Casualty Insurer
3-400. Definitions for KRS 304.3-400 to 304.3-430.
3-405. Parties subject to KRS 304.3-400 to 304.3-430.
3-410. Applicability -- Contract between insurer and controlling producer -- Audit committees -- Reporting requirements.
3-415. Notice to prospective insured disclosing relationship between producer and controlled insurer -- Exceptions.
3-420. Authority of commissioner -- Actions.
3-425. Compliance date.
3-430. Short title for KRS 304.3-400 to 304.3-430.
Controlling Agents
3-500. Definitions for KRS 304.3-500 to 304.3-570.
3-510. Licensing of controlling agent -- Evidence of financial responsibility.
3-520. Contract between insurer and controlling agent -- Minimum provisions -- Prohibited activities.
3-530. Duties and responsibilities of insured and controlling agent.
3-540. Acts of controlling agent -- Examination by commissioner.
3-550. Penalties.
3-560. Administrative regulations.
3-570. Short title for KRS 304.3-500 to 304.3-570.
Subtitle 4. Fees and Taxes
4-010. Fees to be prescribed by administrative regulation -- Time prescribed if fees remitted by electronic submission.
4-015. Repealed, 2000. [Repealed]
4-020. Payment of funds collected under KRS 304.4-010 into State Treasury.
4-030. Tax as to unauthorized reinsurance.
4-040. Revocation of authority for failure to pay.
Subtitle 5. Kinds of Insurance -- Limits of Risk -- Reinsurance
5-010. Definitions not mutually exclusive.
5-020. "Life insurance" defined.
5-030. "Annuity" defined.
5-040. "Health insurance" defined.
5-050. "Property insurance" defined.
5-060. "Surety insurance" defined.
5-070. Casualty insurance defined.
5-080. Inland marine and transportation, "wet" marine insurance defined.
5-090. "Title insurance" defined.
5-100. "Mortgage guaranty insurance" defined.
5-110. "Multiple line" insurers.
5-120. Limits of risks.
5-130. "Reinsurance" defined.
5-140. Reinsurance.
5-150. Reinsurance treaties and contracts.
5-155. Insurers authorized to reinsure -- Applicability of section.
5-160. Health insurance and health care contracts not to cover elective abortions except by optional rider.
Subtitle 6. Assets and Liabilities
6-005. "Accounting practices and procedures manual" and "SSAP" defined.
6-010. "Assets" defined.
6-020. Assets not allowed.
6-030. Use of "wash" transactions -- Penalty.
6-040. Liabilities, in general.
6-050. Unearned premium reserve.
6-060. Unearned premium reserve for marine and transportation insurance.
6-070. Health insurance policy reserves.
6-080. Title insurance reserves.
6-090. Mortgage guaranty insurer to maintain statutory contingency reserve -- Release.
6-100. Loss reserves -- Casualty insurance.
6-110. Loss reserve -- Mortgage guaranty insurance.
6-120. Short title.
6-130. Calculation of reserve liabilities -- Annual valuation.
6-140. Minimum standards.
6-145. Minimum standards -- Operative dates.
6-150. Commissioners reserve valuation method defined.
6-155. Annuity and endowment contracts other than group annuity.
6-160. Amount of aggregate reserves.
6-170. Calculation of reserves.
6-171. Requirement for actuarial opinion as to appropriate computation of reserves and related items and compliance with state law.
6-180. Deficiency reserve -- Recognition of premium deficiency reserve.
6-190. Appraisals for mortgage loans.
Subtitle 7. Investments
7-010. Scope of subtitle.
7-012. Definitions.
7-014. Application -- Investments that may be acquired and held as admitted assets -- Computation of limitations based on admitted assets -- Documentation -- Agreements to purchase securities in advance of their issuance -- Order to limit investment practice.
7-020. Repealed, 2000. [Repealed]
7-030. Repealed, 2000. [Repealed]
7-040. Repealed, 2000. [Repealed]
7-050. Repealed, 2000. [Repealed]
7-060. Repealed, 2000. [Repealed]
7-070. Repealed, 2000. [Repealed]
7-080. Repealed, 2000. [Repealed]
7-085. Repealed, 2000. [Repealed]
7-090. Repealed, 2000. [Repealed]
7-100. Repealed, 2000. [Repealed]
7-110. Repealed, 2000. [Repealed]
7-120. Repealed, 2000. [Repealed]
7-130. Repealed, 2000. [Repealed]
7-140. Repealed, 2000. [Repealed]
7-145. Repealed, 2000. [Repealed]
7-150. Repealed, 2000. [Repealed]
7-160. Repealed, 2000. [Repealed]
7-170. Repealed, 2000. [Repealed]
7-180. Repealed, 2000. [Repealed]
7-190. Repealed, 2000. [Repealed]
7-200. Repealed, 2000. [Repealed]
7-205. Repealed, 2000. [Repealed]
7-210. Repealed, 2000. [Repealed]
7-220. Repealed, 2000. [Repealed]
7-230. Repealed, 2000. [Repealed]
7-240. Special investments of pension, retirement or profit-sharing plan, life insurance, or annuity funds -- Specified separate accounts of insurer.
7-250. Special investments of title insurers.
7-260. Repealed, 2000. [Repealed]
7-263. Venture capital funds or pools.
7-265. Repealed, 2000. [Repealed]
7-270. Repealed, 2000. [Repealed]
7-280. Conversion and incidental rights.
7-290. Repealed, 2000. [Repealed]
7-300. Repealed, 2000. [Repealed]
7-310. Repealed, 2000. [Repealed]
7-320. Protective agreements and reorganization securities.
7-330. Investments of foreign insurers.
7-340. Repealed, 2000. [Repealed]
7-350. Valuation of assets.
7-360. Definitions -- Deposits allowed -- Commingling of certain securities -- Records -- Rules and regulations.
7-361. Duties of insurer's board of directors.
7-363. Prohibited actions of insurers.
7-365. Transactions in which officer or director of insurer has a financial interest.
7-367. Administrative regulations.
7-401. Application of KRS 304.7-401 to 304.7-423.
7-403. Limits on investments.
7-405. Rated credit instruments.
7-407. Investment pools.
7-409. Equity interests in business entities.
7-411. Tangible personal property or equity interests acquired through partnerships, joint ventures, trust certificates, and similar instruments.
7-413. Permitted acquisitions -- Loan-to-value ratio -- Exemption for certain mortgage loans and credit lease transactions -- Real estate -- Ratios relating to aggregate amount of investments.
7-415. Securities lending, repurchase, reverse repurchase, and dollar roll transactions.
7-417. Foreign investments and foreign currency transactions.
7-419. Derivative transactions -- Hedging -- Income generation -- Counterparty exposure amounts.
7-421. Loans on security of cash surrender value of life insurance policies.
7-423. Investment practices that are allowed without regard to limitations of this subtitle.
7-451. Application of KRS 304.7-451 to 304.7-473.
7-453. Asset and reserve requirements -- Reconciliation and summary -- Commissioner's actions if insurer is not in compliance.
7-455. Limitations on investments that are guaranteed by a single person -- Investments in certain rating categories -- Canadian investments.
7-457. Rated credit investments.
7-459. Investment pools.
7-461. Equity interests in business entities.
7-463. Tangible personal property or equity interests acquired through partnerships, joint ventures, trust certificates, and similar instruments.
7-465. Permitted acquisitions -- Loan-to-value ratio -- Exemptions for certain mortgage loans and credit release transactions -- Real estate -- Ratios relating to aggregate amount of investments.
7-467. Securities lending, repurchase, reverse repurchase, and dollar roll transactions.
7-469. Foreign investments and foreign currency transactions.
7-471. Derivative transactions -- Hedging -- Income generation -- Counterparty exposure amounts.
7-473. Investment practices that are allowed without regard to limitations of KRS 304.7-451 to 304.7-473.
Subtitle 8. Administration of Deposits
8-010. Deposits of insurers.
8-020. Deposits to be for benefit of policyholders, creditors, and states.
8-030. Assets eligible for deposit.
8-040. Home office real property as deposit.
8-050. Other real property as deposit.
8-060. Repealed, 2004. [Repealed]
8-070. Repealed, 2004. [Repealed]
8-080. Commonwealth not liable for safekeeping.
8-090. Depositories.
8-095. Deposits under trust agreement -- Insurer relieved of liability.
8-100. Record of deposits.
8-110. Inventory -- Certificate.
8-120. Valuation -- Replenishment.
8-130. Voluntary excess deposit.
8-140. Dividends on, and exchange of deposited assets -- Collection by commissioner.
8-150. Deposit of reserves by domestic life insurers.
8-160. Levy upon deposit.
8-170. Release of deposit.
8-180. Access to and removal of deposits.
8-190. Payments into examination expense revolving fund.
Subtitle 9. Agents, Consultants, Solicitors and Adjusters
9-010. Application of subtitle.
9-020. Definitions for subtitle.
9-030. Available insurance agent licenses.
9-035. Insurer liable for acts of its agents.
9-040. "Consultant" defined.
9-050. Repealed, 2000. [Repealed]
9-051. Definitions for KRS 304.9-052 and 304.9-371 to 304.9-377.
9-052. Administrator -- License requirements -- Service of process.
9-060. Repealed, 2000. [Repealed]
9-070. Repealed, 2010. [Repealed]
9-080. Licensure requirements -- Forms.
9-085. Managing general agent -- License -- Duties.
9-090. Exceptions to licensure requirements.
9-100. Purpose of license -- "Controlled business" -- Exceptions.
9-105. General qualifications for agent license.
9-107. Persons exempt from provisions of KRS 304.9-105(1)(e)1. and 2. -- Administrative regulations.
9-110. Repealed, 1978. [Repealed]
9-120. Licensure of residents as agents.
9-130. Licensing of business entities as agents.
9-133. Individuals designated to act under business entity license -- Filing of designation notice -- Exercise of license -- Responsibility of insurer for acts of designated individuals.
9-135. Requirements for financial institutions engaging in insurance agency activities -- Administrative regulations -- Activities of officers or employees of financial institution.
9-136. Repealed, 2002. [Repealed]
9-140. Licensure of nonresidents as agents.
9-142. Repealed, 2002. [Repealed]
9-150. Application for license issued under this subtitle, surplus lines broker license, life settlement broker license, or life settlement provider license.
9-160. Examination for license -- Application for examination.
9-170. Exemptions from prelicensing education or examination.
9-180. Scope of examination -- Reference material.
9-190. Conduct of examinations.
9-200. Contents of license -- Change of address -- Refundability of fees.
9-210. Specific contents of agent's and consultant's licenses.
9-220. Repealed, 2000. [Repealed]
9-230. Limited line licenses -- Prelicensing requirements.
9-240. Insurance vending machines.
9-250. Authority under license -- Assignability.
9-260. Continuation and expiration of license -- Receipt of renewal fees -- Continuing education documentation.
9-270. Appointment of agents -- Criminal background check -- Continuation -- Permitted and prohibited actions by agents and insurers.
9-280. Termination of licensee's appointment -- Notice requirements -- Civil immunity -- Confidential and privileged information -- Commissioner's use of information.
9-290. Rights of agent following termination of appointment.
9-295. Biennial continuing education requirements for licensed agents and independent and public adjusters -- Exceptions -- Courses -- Number of hours -- Failure to complete -- Penalty.
9-300. Temporary license as agent -- Conditions -- Sponsor may be required.
9-310. Temporary licenses -- Rights and limitations.
9-320. Qualifications for license as consultant -- Coverage of consultant license.
9-330. Consultant to file proof of liability insurance -- Consultant's deposit of cash or bond.
9-340. Repealed, effective July 15, 1982. [Repealed]
9-350. Compensation of agent operating under a disclosure agreement -- Requirements.
9-360. Obligation to serve interest of client.
9-370. Service of process against nonresident licensee under this subtitle or surplus lines broker.
9-371. Written agreement of administrator.
9-372. Payments to administrator.
9-373. Books and records maintained by administrator -- Access by commissioner.
9-374. Administrator's use of advertising.
9-375. Fiduciary accounts.
9-376. Claims paid on behalf of insurer -- Compensation of administrator.
9-377. Written notice to insureds when administrator's services utilized.
9-380. Repealed, 2000. [Repealed]
9-390. Place of agent's business -- Display of licenses -- Records.
9-400. Reporting and accounting for premiums.
9-410. Exchange of business -- Excess or rejected risks -- Regulation of volume of business by commissioner.
9-420. Repealed, effective July 13, 1984. [Repealed]
9-421. Sharing of commissions prohibited.
9-425. Payment or acceptance of commission, brokerage, or other valuable consideration -- Exception.
9-430. Independent, staff, or public adjuster's license -- Application by individual or business entity -- Qualifications -- Evidence of financial responsibility -- Exceptions to license requirement -- Temporary emergency registration following catastrophe -- Nonresident license.
9-432. Apprentice adjuster -- License -- Rights and limitations -- Application -- Qualifications -- Terms and conditions.
9-433. Contract between public adjuster and insured -- Contents -- Duties of public adjuster.
9-434. Repealed, 2000. [Repealed]
9-435. Records to be maintained by public adjusters.
9-436. Authorized insurer prohibited from doing business in Kentucky with unlicensed adjuster or administrator.
9-440. Probation, suspension, revocation, and refusal of license -- Grounds -- Penalty.
9-450. Procedure following suspension, revocation, nonrenewal, or denial of license.
9-455. Repealed, 2000. [Repealed]
9-460. Return of license to commissioner.
9-465. Denial or suspension of license or appointment -- Conditional license -- Hearing.
9-467. Notification of surrender or termination of license -- Report of administrative action -- Notification of service of complaint or indictment -- Documentation of resolution.
9-470. Prohibited practices in replacement or repair of automobile glass -- Penalties.
9-475. Travel insurance offered by travel retailer on behalf of limited lines travel insurance producer -- Requirements.
9-480. Repealed, 2005. [Repealed]
9-485. Repealed, 2010. [Repealed]
9-490. Repealed, 2002. [Repealed]
Rental Vehicle Insurance
9-501. Repealed, 2010. [Repealed]
9-503. Repealed, 2010. [Repealed]
9-505. License for business entity to act as rental vehicle agent -- Registration fee and licensed managing employee for each business location -- Application and qualifications for license.
9-507. Conditions under which license authorizes employee or representative to transact business -- Licensee may not hold self out as insurance agent without applicable license.
9-509. Consumer protection disclosures to be included with rental vehicle agreement.
9-511. Rental vehicle agent may not handle insurance that is not sold in conjunction with rental vehicle transaction.
9-513. Repealed, 2010. [Repealed]
Reinsurance Intermediaries
9-700. Definitions for KRS 304.9-700 to 304.9-759.
9-705. Reinsurance intermediary license required -- Exemption.
9-710. Written authorization between reinsurance intermediary broker and an insurer.
9-715. Records of transactions of reinsurance intermediary brokers.
9-720. Insurers required to engage services of only licensed reinsurance intermediary brokers.
9-725. Minimum contract provisions.
9-730. Certain actions by reinsurance intermediary managers prohibited.
9-735. Reinsurers required to engage services of only licensed reinsurance managers.
9-740. Examination of reinsurance intermediaries.
9-745. Suspension or revocation of license -- Imposition of penalties.
9-750. Administrative regulations.
9-759. Short title for KRS 304.9-700 to 304.9-759.
Portable Electronics Insurance
9-780. Portable electronics insurance retailer license -- Duties of supervising entity -- Qualifications and application for license -- Penalties.
9-782. Conditions under which license authorizes employee or representative to sell portable electronics insurance -- Restrictions on licensees.
9-784. Duty to disclose information regarding portable electronics insurance coverage -- Standards -- Billing and collection of charges -- Notice and correspondence.
Subtitle 10. Surplus Lines
10-010. Short title.
10-020. Exemptions from Surplus Lines Law.
10-030. Definitions for Subtitle 10.
10-040. Conditions for export -- Exceptions relating to diligent effort.
10-050. Broker's affidavit.
10-060. Open lines for export.
10-070. Eligible surplus lines insurers.
10-080. Evidence of the insurance -- Changes -- Penalty.
10-090. Indorsement of contract.
10-100. Surplus lines insurance valid.
10-110. Liability of insurer as to losses and unearned premiums.
10-120. Licensing of surplus lines brokers -- Reciprocity -- Termination.
10-130. Suspension or revocation of broker's license.
10-140. Broker's evidence of financial responsibility and bond.
10-150. May accept business from agents.
10-160. Records of broker.
10-170. Quarterly statement of broker.
10-180. Taxes on surplus lines.
10-190. Repealed, 1982. [Repealed]
10-200. Legal process against surplus lines insurer.
10-210. Rules and regulations.
Surplus Lines Insurance Multi-State Compliance Compact
10-400. Surplus Lines Insurance Multi-State Compliance Compact.
Subtitle 11. Unauthorized Insurers -- Prohibitions and Process
11-010. Short title.
11-020. Unauthorized Insurer's Law -- Exemptions.
11-030. Prohibition of unauthorized insurance business -- Applicability of law -- Liability of person acting as agent -- Commissioner's power to enjoin.
11-040. Service of process on unauthorized persons doing acts of insurance business in Kentucky -- Requirements for defense of action -- Reports to commissioner required.
11-042. Disclosure agreement for compensation received by an agent from an insurer or client for placement of insurance and service rendered to client.
11-045. Jurisdiction over providers of health care benefits.
11-050. Premium tax on unauthorized insurer.
Subtitle 12. Trade Practices and Frauds
12-010. Unfair competition -- Unfair, deceptive practices prohibited.
12-013. Prohibited unfair or deceptive practices in the writing of insurance.
12-015. Repealed, effective July 15, 1986. [Repealed]
12-020. Advertisements in general.
12-030. Replacement life insurance -- "Twisting" prohibited.
12-035. Beneficiaries' Bill of Rights.
12-040. False financial statements.
12-050. Advertisement of assets, liabilities.
12-060. Defamation.
12-070. Boycott, coercion and intimidation.
12-080. Unfair discrimination prohibited.
12-085. Denial of insurance because of race, color, religion, national origin, or sex prohibited -- Genetic tests.
12-090. Rebates prohibited.
12-100. Exceptions to discrimination and rebate prohibition.
12-110. Illegal inducements prohibited.
12-112. Prohibition against advertising, offering, or providing free insurance concerning consumer goods or related services.
12-120. Desist order for defined or prohibited practices.
12-130. Curtailment of undefined practices.
12-140. Coercion in requiring insurance.
12-150. Notice of free choice of agent or insurer.
12-160. Certain fees for handling insurance transactions in connection with loans prohibited.
12-170. Repealed, 2002. [Repealed]
12-180. Interlocking ownership, management.
12-190. Illegal dealing in premiums.
12-200. Insurer name -- Deceptive use prohibited.
12-210. Repealed, 1988. [Repealed]
12-211. Domestic violence and abuse as reason for insurer's limitation or denial of coverage.
12-215. Discrimination on basis of blindness prohibited -- Application.
12-220. Definition.
12-230. Unfair claims settlement practices.
12-235. Time of payment of claims.
12-240. Regulations relating to payment and disclosure by life insurers when funds are used for preneed funeral contracts or prearrangements.
12-250. Exclusion of work-related health condition as unfair or deceptive trade practice for health insurance policies.
12-255. Refusal to provide requested Medicaid information as unfair or deceptive trade practice for health insurer or administrator.
12-257. Administrative regulations to protect Armed Forces service members from dishonest and predatory insurance sales practices.
12-260. Prohibition against refusal of liability insurer to pay on policy for school's posting of Ten Commandments.
12-270. Prohibited actions in connection with rental reimbursement coverage under automobile insurance policy.
12-275. Claimant's right to repair facility of choice -- Appraisal of damaged vehicle to include notice of right to choose -- Exemption.
Subtitle 13. Rates and Rating Organizations
13-010. Repealed, 1982. [Repealed]
13-011. Definitions for subtitle.
13-020. Repealed, 1982. [Repealed]
13-021. Scope of KRS 304.13-011 to 304.13-161.
13-030. Repealed, 1982. [Repealed]
13-031. Rate standards in noncompetitive market.
13-040. Repealed, 1982. [Repealed]
13-041. Monitoring market competition.
13-043. Repealed, 2004. [Repealed]
13-050. Repealed, 1982. [Repealed]
13-051. Filing rates and rate information -- When filing becomes effective.
13-053. Filing procedures for rates for use after December 31, 1998.
13-055. Reduction of rates effective upon filing.
13-057. Rates based on Kentucky experience.
13-058. Rate increases to apply prospectively.
13-060. Repealed, 1982. [Repealed]
13-061. Information that may support rate filing -- Administrative regulations on recording and reporting rates and other information.
13-063. Automobile liability and physical damage insurance provision for reduction in premium charges.
13-065. Premium reductions for motor vehicles equipped with antitheft device.
13-070. Repealed, effective July 15, 1982. [Repealed]
13-071. Disapproval of rates and rate filings.
13-075. Exceptions to insurer's use of credit information.
13-080. Repealed, 1982. [Repealed]
13-081. Filings open to inspection -- Consumer information system.
13-090. Repealed, 1982. [Repealed]
13-091. License for advisory organization, statistical agent, or form provider -- Refusal to supply services -- Application for license -- Fees.
13-100. Excess rates.
13-110. Repealed, effective July 15, 1982. [Repealed]
13-111. Advisory organization or statistical agent activities prohibited.
13-120. Repealed, 1982. [Repealed]
13-121. Authorized activities for advisory organizations.
13-130. Repealed, 1982. [Repealed]
13-131. Insurer and advisory organization activities prohibited.
13-140. Repealed, 1982. [Repealed]
13-141. Examination of insurers, pools, advisory organizations, statistical agents, form providers, residual market, and joint underwriting organizations.
13-150. Repealed, 1982. [Repealed]
13-151. Insurer participation in pools, joint underwriting, joint reinsurance pools, and residual market mechanisms.
13-160. Repealed, 1982. [Repealed]
13-161. Review of application of rating system to an insured -- Appeal to commissioner -- Notification of review rights to workers' compensation insureds.
13-163. Authorized activities for statistical agents.
13-165. Information to be filed by advisory organization.
13-167. Workers' compensation insurers -- Uniform classification and experience rating systems -- Reporting -- Subclassifications, rating plans, and other variations from manual rules -- Credit for drug-free workplace program.
13-169. Withholding information or giving false information.
13-170. Repealed, 1982. [Repealed]
13-171. Property or casualty insurance policy underwriting fee -- Requirement for prior approval.
13-180. Repealed, 1982. [Repealed]
13-190. Repealed, 1982. [Repealed]
13-200. Repealed, 1982. [Repealed]
13-210. Repealed, 1982. [Repealed]
13-220. Repealed, 1982. [Repealed]
13-230. Repealed, 1982. [Repealed]
13-240. Repealed, 1982. [Repealed]
13-250. Repealed, 1982. [Repealed]
13-260. Repealed, 1982. [Repealed]
13-270. Repealed, 1982. [Repealed]
13-280. Repealed, 1982. [Repealed]
13-290. Repealed, 1982. [Repealed]
13-300. Repealed, 1982. [Repealed]
13-310. Repealed, 1982. [Repealed]
13-320. Penalty for violation.
13-330. Repealed, 1982. [Repealed]
13-335. Certain rates to be based on Kentucky experience.
13-340. Phase-out of Workers' Compensation Insurance Plan -- Transfer of insureds to Employers' Mutual Insurance Authority.
Fire Protection Classification Review and Appeal
13-350. Functions of commissioner.
13-355. Appeal of fire protection classification.
13-360. Investigatory powers of the commissioner.
13-365. Hearing -- Final orders.
13-370. Increase in fire insurance premiums prohibited until the running of the appeal period or until approval by the board of the classification assigned.
13-380. Reports of fire calls by fire departments -- Monthly summaries to be sent to commissioner.
13-390. Failure of insurer to report losses from fire to state fire marshal -- Notification to commissioner -- Penalty.
13-400. Deductible workers' compensation policy.
13-410. Premium reduction for deductible workers' compensation policy.
13-412. Workers' compensation premium -- Credit for certified drug-free workplace program at coal mine.
13-415. Experience modification factor for workers' compensation -- Written explanation to workers' compensation policyholders -- Authority for administrative regulations.
13-420. Financial responsibility requirement.
Subtitle 14. The Insurance Contract
14-010. Scope of subtitle.
14-020. "Policy" defined.
14-030. "Premium" defined -- "Late charge" authorized.
14-040. Insurable interest.
14-050. Insurable interest -- Exception when certain institutions designated beneficiary.
14-060. Insurable interest, property.
14-070. Power to contract -- Purchase of insurance by minors.
14-080. Consent of insured -- Life, health insurance.
14-085. Violation of insurable interest for person without insurable interest to pay premiums on life insurance in exchange for ownership in death benefit.
14-090. Alteration of application.
14-100. Application as evidence.
14-110. Representations in applications.
14-120. Filing and approval of forms.
14-130. Grounds for disapproval.
14-135. Uniform health insurance claim forms.
14-140. Standard provisions, in general.
14-150. Contents of policies in general.
14-160. Additional policy contents.
14-170. Charter, bylaw provisions.
14-180. Must contain entire contract -- Exception concerning additional benefits.
14-190. Execution of policies.
14-200. Underwriters' and combination policies.
14-210. Validity and construction of noncomplying forms.
14-220. Binders.
14-230. Delivery of policy.
14-240. Renewal of policy.
14-250. Assignability -- Rights of insurer, assignee.
14-260. Payment discharges insurer.
14-270. Forms for proof of loss furnished.
14-280. Claims administration not waiver.
14-290. Dividends payable to real party.
14-300. Exemptions of proceeds, life insurance.
14-310. Exemption of proceeds, health insurance.
14-320. Exemption of proceeds, group insurance.
14-330. Exemption of proceeds, annuity contracts -- Assignability of rights.
14-340. Rights of married women in life insurance.
14-350. Retention of proceeds of policy by company.
14-360. Construction of policies.
14-370. Jurisdiction of courts, limitation of actions.
14-375. Time limit for seeking reimbursement of health insurance overpayment.
14-380. Venue of suits against insurers.
14-400. Interest on payment from insuring company.
14-410. Use by insurer of itemized statement furnished to paying patient prohibited.
Insurance Policy Simplification
14-420. Minimum standards regulations.
14-430. Policy cover sheet -- Commissioner approval.
14-435. English language requirement for forms, policy, and claim-related information -- Requirements for non-English version -- Use and effect of translations.
14-440. Policies to be readable -- Factors to be considered.
14-450. Policies to be legible -- Factors to be considered -- Type face style approved by commissioner.
Medicare Supplement Insurance
14-500. Definitions for KRS 304.14-510 to 304.14-550.
14-510. Minimum standards regulations.
14-520. Claim denial restriction.
14-530. Regulations establishing minimum standards for loss ratios.
14-540. Outline of coverage to be delivered to applicant.
14-545. Cancellation of Medicare supplement -- Return of unearned premium.
14-550. Notice of policy return right and premium refund.
Consumer's Guide
14-560. Consumer's guide to long-term care insurance -- Compilation -- Distribution -- Payment.
Long-Term Care Insurance
14-600. Definitions for KRS 304.14-600 to 304.14-625.
14-605. Purpose and application to policies of KRS 304.14-600 to 304.14-625.
14-610. Group policy issued in another state.
14-615. Required standards and disclosures -- "Pre-existing condition" defined -- Right to return policy.
14-617. Services required to be included in coverage for assisted living benefits and for adult day care services.
14-620. Administrative regulations on marketing practices.
14-622. Cancellation of long-term care insurance policy -- Return of unearned premium.
14-625. Short title for KRS 304.14-600 to 304.14-625.
14-630. Administrative regulations relating to premium rates for long-term care benefits.
14-635. Administrative regulations relating to incidental long-term care benefits.
Kentucky Long-Term Care Partnership Insurance Program
14-640. Definitions for KRS 205.619 and 304.14-640 to 304.14-644.
14-642. Kentucky Long-Term Care Partnership Insurance Program -- Policy component requirements -- Administrative regulations.
14-644. Required disclosure of availability of Kentucky Long-Term Care Partnership Insurance Program.
Short-Term Nursing Home Insurance
14-650. Definition for KRS 304.14-650 to 304.14-675.
14-655. Short-term nursing home products subject to statutes.
14-660. Administrative regulations relating to short-term nursing home insurance policies.
14-665. Administrative regulations establishing loss ratio standards.
14-670. Right to return policy or certificate and to have premium refunded -- Notice -- Proof of delivery of policy.
14-675. Coverage for services received in an assisted living community or adult day care facility.
Subtitle 15. Life Insurance and Annuity Contracts
15-010. Scope of Subtitle 15.
15-020. Definitions.
15-030. "Ordinary" and "industrial" insurance construed.
15-035. Securities Act of Kentucky not preempted by subtitle.
15-040. Standard provisions required.
15-045. Letter of acceptance and financing agreement to be part of college life insurance policy.
15-050. Payment of premiums -- Return of policy.
15-060. Grace period.
15-070. Entire contract.
15-075. Notice of policy owner's rights -- Contents -- Conditions requiring notice to be given -- Application to policies $100,000 or greater permitted.
15-080. Incontestability.
15-090. Misstatement of age or sex.
15-100. Dividends.
15-110. Policy loans.
15-115. Life insurance policy loan interest rates.
15-120. Table of installments.
15-130. Reinstatement.
15-140. Repealed, 1994. [Repealed]
15-150. Beneficiary, industrial policies.
15-160. Title.
15-170. Excluded or restricted coverage.
15-175. Notice by insurer of paid-up life insurance policy.
15-180. Standard provisions -- Annuity and pure endowment contracts.
15-190. Grace period -- Annuities.
15-200. Incontestability -- Annuities.
15-210. Entire contract -- Annuities.
15-220. Misstatement of age or sex -- Annuities.
15-230. Dividends -- Annuities.
15-240. Reinstatement -- Annuities.
15-250. Standard provisions -- Reversionary annuities.
15-260. Limitation of liability.
15-270. Incontestability, limitation of liability after reinstatement.
15-280. Prohibited provisions.
15-290. Provisions required by law of other jurisdiction.
15-300. Short title.
15-310. Nonforfeiture provisions.
15-312. Policies without cash surrender value.
15-315. Standard Nonforfeiture Law for Individual Deferred Annuities.
15-320. Cash surrender value.
15-322. Notification of insured of cash surrender value.
15-330. Paid-up nonforfeiture benefits.
15-340. Adjusted premiums.
15-342. Adjusted premiums operative at option of insurer or on January 1, 1989.
15-344. Commissioner's approval.
15-350. Calculation of cash surrender value and paid-up nonforfeiture benefit of certain policies on default.
15-352. Cash surrender value -- Nonforfeiture factor.
15-360. Exceptions.
15-365. Standard Nonforfeiture Law for Individual Deferred Annuities of 2005.
15-370. Disposition of miscellaneous proceeds.
15-380. Participating, nonparticipating policies -- Right to issue.
15-390. Pension, retirement, profit-sharing, life insurance, or annuity agreements -- Separate accounts.
15-400. Prohibited policy plans.
15-410. Minimum reserves.
15-420. Unclaimed Life Insurance Benefits Act.
Life Settlements
15-700. Licensing requirements governing life settlement providers and brokers -- Contracts -- Commissioner's approval required -- Forms.
15-702. Permitted questioning of life insurance applicant concerning financing of premium payments.
15-705. Commissioner's authority to examine -- Retention and inspection of records.
15-708. Emergency cease and desist order when public health, safety, or welfare is endangered -- Fee.
15-709. Remedies of department and of persons damaged by life settlement violations.
15-710. Life settlement provider's duties of disclosure to owner.
15-712. Permitted and prohibited life insurance advertising and marketing.
15-715. Requirements for life settlement contracts.
15-716. Violation due to time of contract -- Conditions -- Procedure -- Satisfaction of requirements.
15-717. Circumstances under which life settlement transactions are unlawful -- Required statement regarding false information -- Furnishing information regarding fraudulent life settlement acts.
15-718. Requirements governing execution of life settlement contracts.
15-719. Annual statement to be filed with commissioner -- Administrative regulations.
15-720. Powers of commissioner.
15-725. KRS 304.15-020 and KRS 304.15-700 to 304.15-720 subject to Subtitle 12 of this chapter.
Subtitle 16. Group Life Insurance
16-010. Scope of subtitle -- Short title.
16-020. Contracts must meet group requirements.
16-030. Employee groups.
16-035. "Employee" defined.
16-040. Debtor groups.
16-050. Labor union groups.
16-060. Trustee groups.
16-070. Public employee groups.
16-080. Association groups.
16-085. Dependents' coverage.
16-090. Credit union groups.
16-100. Repealed, 1978. [Repealed]
16-110. Provisions required in group contracts.
16-115. Discretionary groups -- Requisite findings of commissioner.
16-120. Grace period.
16-130. Incontestability.
16-140. Application to be attached to policy -- Legal effect of statements in contract.
16-150. Evidence of insurability.
16-160. Effect of misstatement of age.
16-170. Beneficiary.
16-180. Certificate -- Filing -- Approval.
16-190. Conversion on termination of eligibility.
16-200. Conversion on termination of policy.
16-210. Death pending conversion.
16-220. Information to debtor.
16-230. Application of dividends, rate reductions.
Subtitle 17. Health Insurance Contracts
17-010. Short title.
17-020. Scope of subtitle.
17-030. Scope and format of policy.
17-040. Required provisions -- Captions -- Omissions -- Substitutions.
17-042. Coverage for newly born children from moment of birth.
17-050. Policy as entire contract -- Authority to change.
17-060. Limitation on defenses -- Incontestability.
17-070. Grace period -- Cancellation.
17-080. Reinstatement.
17-090. Notice of claim.
17-100. Forms for proof of loss.
17-110. Time for filing proof of loss.
17-120. Time of payment of claims.
17-130. Person to whom indemnity payable.
17-140. Physical examination and autopsy.
17-150. Time for bringing suit.
17-160. Change of beneficiary.
17-170. Right to examine and return policy.
17-180. Optional policy provisions.
17-185. Optional nursery care coverage for a well newly born child.
17-190. Change of occupation.
17-200. Misstatement of age.
17-210. Other insurance in same insurer.
17-220. Insurance with other insurers -- Expense incurred benefits -- "Other valid coverage."
17-230. Insurance with other insurers -- Other benefits -- "Other valid coverage."
17-240. Relation of earnings to insurance.
17-250. Deduction of unpaid premium.
17-260. Conformity with state statutes.
17-270. Renewability.
17-275. Repealed, 1994. [Repealed]
17-280. Illegal occupation.
17-290. Use of intoxicants, narcotics and hallucinogenics.
17-300. Method of printing provisions.
17-305. Indemnity payable for services performed by optometrists, osteopaths, physicians, chiropractors, or podiatrists.
17-310. Family expense health insurance.
17-311. Medicare supplement insurance for persons not eligible for Medicare by reason of age.
17-312. Definitions.
17-313. Individual health insurers to offer home health care coverage -- Conditions.
17-314. Repealed, 1992. [Repealed]
17-315. Policy covering services performed by dentist deemed to cover such services performed by physician.
17-316. Coverage for mammograms.
17-3163. Coverage for medical and surgical benefits with respect to mastectomy, diagnosis and treatment of endometrioses and endometritis, and bone density testing -- Duties of insurer.
17-3165. Coverage for treatment of breast cancer.
17-317. Ambulatory surgical centers, coverage.
17-318. Coverage for treatment for mental illness.
17-3185. Coverage for services of licensed psychologist or licensed clinical social worker.
17-319. Coverage for treatment of temporomandibular joint disorders and craniomandibular jaw disorders.
17-320. Third party ownership.
17-330. Requirement of other jurisdictions.
17-340. Conforming to statute.
17-350. Age limit.
17-360. Prohibited policy plans -- Provisions.
17-370. Incontestability after reinstatement.
17-380. Filing of rates.
17-383. Procedure for approval of rate filing containing increase.
17-390. Franchise plan health insurance -- Franchise plan disability insurance.
17-400. Repealed, 1982. [Repealed]
17-410. Repealed, 2000. [Repealed]
17-412. Requirements for insurer that issues policy or administers program providing for utilization review of benefits.
17-415. Cancellation of health insurance policy -- Return of unearned premium.
Subtitle 17A. Health Benefit Plans
17A-005. Definitions for subtitle.
17A-010. Repealed, 1998. [Repealed]
17A-020. Repealed, 1998. [Repealed]
17A-030. Repealed, 1998. [Repealed]
17A-040. Repealed, 1998. [Repealed]
17A-050. Repealed, 1998. [Repealed]
17A-060. Repealed, 1998. [Repealed]
17A-070. Repealed, 1998. [Repealed]
17A-071. Repealed, 2010. [Repealed]
Miscellaneous Provisions
17A-080. Health Insurance Advisory Council -- Powers -- Duties -- Members -- Expenses and supplies.
17A-090. Repealed, 1998 [Repealed]
17A-095. Insurer issuing health benefit plan must file rates and charges -- Commissioner's approval -- Policy forms -- Administrative regulations -- Hearing.
17A-0952. Premium rate guidelines for individual, small group, and association plans.
17A-0954. Definitions for section -- Premium rate guidelines for employer-organized association plans.
17A-096. Basic health benefit plans permitted for individual, small group, and association markets -- Required coverage -- Exclusions from coverage.
17A-097. Disclosure of coverage levels in basic health benefit plan.
17A-098. Rewards or incentives to participate in voluntary wellness or health improvement program.
17A-100. Repealed, 1998. [Repealed]
17A-110. Repealed, 1998. [Repealed]
17A-120. Repealed, 1998. [Repealed]
17A-130. Repealed, 1998. [Repealed]
17A-131. Coverage for cochlear implants.
17A-132. Coverage for hearing aids.
17A-133. Coverage for mammograms.
17A-134. Coverage for medical and surgical benefits with respect to mastectomy, diagnosis and treatment of endometrioses and endometritis, and bone density testing -- Requirements for health benefit plan.
17A-135. Coverage for treatment of breast cancer.
17A-136. Coverage for cancer clinical trials.
17A-137. Repealed, 2002. [Repealed]
17A-138. Prohibition against health benefit plan excluding coverage for telehealth -- Benefits subject to deductible, co-payment, or coinsurance -- Payment subject to provider network arrangements -- Administrative regulations.
17A-139. Family or dependents coverage to apply to newly born child from moment of birth and to include inherited metabolic diseases -- Requirement for notification and payment of premium -- Coverage for milk fortifiers to prevent enterocolitis.
17A-140. Coverage applicable to children to include legally-adopted children.
17A-141. Definitions for KRS 304.17A-141, 304.17A-142, and 304.17A-143.
17A-142. Coverage for autism spectrum disorders -- Limitations on coverage -- Utilization review -- Reimbursement not required.
17A-143. Coverage for treatment of autism in the individual and small group market -- Limitation -- Definitions.
17A-145. Maternity coverage to include specified amounts of inpatient care for mothers and newly-born children -- Exemption.
17A-146. Coverage for registered nurse first assistant.
17A-147. Coverage for surgical first assisting or intraoperative surgical care to include services performed by certified surgical assistant.
17A-1473. Coverage for surgical first assisting or intraoperative surgical care to include services performed by certified surgical assistant or physician assistant.
17A-148. Coverage for diabetes.
17A-149. Coverage for anesthesia and services in connection with dental procedures for certain patients.
17A-150. Unfair trade practices -- Penalties.
17A-155. Prohibition against denial of coverage to victims of domestic violence.
17A-160. Repealed, 1998. [Repealed]
17A-161. Definitions for KRS 304.17A-161 and 304.17A-162.
17A-162. Contract between pharmacy benefit manager and contracted pharmacy -- Contents -- Resolution of disputes over maximum allowable cost pricing -- Duties of pharmacy benefit manager.
17A-163. Override of restrictions on medication sequence in step therapy or fail-first protocol.
17A-165. Prescription drug coverage to include exceptions or override policy for refills of covered drugs -- Limitations and exclusions.
17A-170. Definitions for KRS 304.17A-170 and 304.17A-171.
17A-171. Requirements for health benefit plans that include chiropractic benefits.
17A-173. Payment for coverage of services within scope of practice of optometrists.
17A-175. Limitation on amount of copayment or coinsurance charged for services rendered by chiropractor or optometrist.
17A-177. Limitation on amount of copayment or coinsurance charged for services rendered by occupational or physical therapist -- Insurer to clearly state coverage.
17A-200. Prohibition against establishing certain rules of eligibility in small group, large group, or association markets -- Limitation on premium -- Participation rules -- Effect of denial of coverage -- Disclosure.
17A-210. Repealed, 2000. [Repealed]
17A-220. Pre-existing condition exclusion in group coverage -- Definitions for section.
17A-230. Pre-existing condition exclusion in individual market -- Prohibition against use of genetic information -- Administrative regulations.
17A-240. Renewal or continuation -- Ground for nonrenewal, cancellation, or discontinuance.
17A-243. Grace period for unpaid premiums.
17A-245. Required notice of cancellation -- Procedure -- Refund of unearned premium.
17A-250. Standard health benefit plan -- Individual or small group markets -- Writing requirement for provider participation -- Time limit for rate quote -- Notice of denial of coverage.
17A-252. Health benefit plan not required to include state-mandated benefits enacted after issuance.
17A-254. Duties of insurer offering health benefit plan.
17A-256. Options for dependent coverage under group health benefit plans -- Disclaimer.
17A-257. Coverage under health benefit plan for colorectal cancer examinations and laboratory tests.
17A-258. Coverage under health benefit plan for therapeutic food, formulas, supplements, and low-protein modified food products.
17A-260. Repealed, 2002. [Repealed]
17A-270. Nondiscrimination against provider in geographic coverage area.
17A-275. Health benefit plan not to discriminate against physician on basis of degree in medicine or osteopathy.
17A-280. Repealed, 2000. [Repealed]
17A-290. Prohibition against renewal of nonstate employees and small groups under KRS 18A.2251 or 18A.2281.
17A-300. Provider-sponsored integrated health delivery network -- Qualifications -- Fees -- Network subject to provisions of other subtitles.
17A-310. Financial solvency requirements for network.
17A-320. Certificate of filing for employer-organized association -- Effect -- Revocation.
17A-330. Self-insurance reporting requirements -- Exemption.
17A-340. Restrictions on use of Kentucky Children's Health Insurance Program allocated funds.
17A-350. Repealed, 2002. [Repealed]
Kentucky Guaranteed Acceptance Program
17A-400. Repealed, 2000. [Repealed]
17A-410. Definitions for KRS 304.17A-400 to 304.17A-480.
17A-420. Repealed, 2000. [Repealed]
17A-430. Criteria for program plan -- Alternative underwriting.
17A-440. Repealed, 2000. [Repealed]
17A-450. Cost-containment feature requirement for program plans.
17A-460. Repealed, 2000. [Repealed]
17A-470. Repealed, 2000. [Repealed]
17A-480. Repealed, 2000. [Repealed]
Managed Care Plans
17A-500. Definitions for KRS 304.17A-500 to 304.17A-590.
17A-505. Disclosure of terms and conditions of health benefit plan -- Filing with department.
17A-510. Notification by insurer offering managed care plans of availability of printed document.
17A-515. Requirements for managed care plan.
17A-520. Enrollee choice of primary care providers.
17A-525. Standards for provider participation -- Mechanisms for consideration of provider applications -- Policy for removal or withdrawal.
17A-527. Filing of provider agreements, risk-sharing arrangements, and subcontract agreements with commissioner -- Contents -- Disclosure of financial information not required.
17A-530. Prohibition against contract limiting disclosure to patient of patient medical condition or treatment options.
17A-532. Prohibition against contract requiring mandatory use of hospitalist.
17A-533. Repealed, 2004. [Repealed]
17A-535. Drug utilization waiver program -- Limitations on generic substitution -- Application to drug formulary.
17A-540. Disclosure of limitations on coverage -- Denial letter.
17A-545. Medical director for managed care plan -- Duties -- Quality assurance or improvement standards -- Process to select health care providers -- Uniform application form and guidelines for health care provider evaluations.
17A-550. Out-of-network benefits.
17A-555. Patient's right of privacy regarding mental health or chemical dependency -- Authorized disclosure.
17A-560. Most-favored-nation provision.
17A-565. Commissioner to enforce KRS 304.17A-500 to 304.17A-570 -- Administrative regulations.
17A-570. Applicability of KRS 304.17A-500 to 304.17A-570 for health insurance contracts or certificates.
17A-575. Definitions for KRS 304.17A-575 to 304.17A-578.
17A-576. Notice by managed care plan insurer of health care provider's application for credentialing -- Payments to applicant.
17A-577. Disclosure of payment or fee schedule to managed care plan health care provider -- Disclosure of schedule change -- Confidentiality of payment information.
17A-578. Notice to health care provider of material change to managed care plan.
17A-580. Education of insured about appropriate use of emergency and medical services -- Coverage of emergency medical conditions and emergency department services -- Emergency personnel to contact primary care provider or insurer -- Exclusion of limited-benefit health insurance policies.
17A-590. Participating provider directories.
Utilization Reviews
17A-600. Definitions for KRS 304.17A-600 to 304.17A-633.
17A-603. Application of KRS 304.17A-600 to 304.17A-633.
17A-605. Requirements and procedures for utilization review -- Exception for private review agent operating under contract with the federal government.
17A-607. Duties of insurer or private review agent performing utilization reviews -- Requirement for registration -- Consequences of insurer's failure to make timely utilization review determination -- Requirement that insurer or private review agent submit changes to the department -- Requirement that private review agent provide timely notice of entities for whom it is providing review.
17A-609. Emergency administrative regulations governing utilization review and internal appeal to be promulgated by the department.
17A-611. Prohibition against retrospective denial of coverage for health care services under certain circumstances.
17A-613. Emergency administrative regulations governing registration of insurers and private review agents seeking to conduct utilization reviews -- Procedure for handling complaints.
17A-615. Prohibition against denying or reducing payments under certain circumstances.
17A-617. Internal appeals process -- Procedures -- Review of coverage denials.
17A-619. Duty of covered person, authorized person, or provider to provide insurer with new information regarding internal appeal -- Time frame for insurer to render a decision based on new information -- Insurer's failure to make timely determination or provide written notice.
17A-621. Independent External Review Program established.
17A-623. External review of adverse determination -- Who may request -- Criteria for review -- Fee -- Conditions under which covered person not entitled to review -- Resolution of disputes -- Confidentiality -- Expedited external review.
17A-625. Factors to be considered by independent review entity conducting external review -- Basis for decision -- Insurer's responsibilities -- Contents, admissibility, and effect of decision -- Consequence of insurer's failure to provide coverage -- Liability -- Written complaints.
17A-627. Certification as independent review entity -- Requirements and restrictions.
17A-629. Administrative regulations to implement provisions of KRS 304.17A-621, 304.17A-623, 304.17A-625, 304.17A-627, 304.17A-629, and 304.17A-631.
17A-631. Time for insurers to comply with administrative regulations.
17A-633. Commissioner to report to Interim Joint Committee on Banking and Insurance and to Governor -- Contents of report.
Emergency Medical Conditions
17A-640. Definitions for KRS 304.17A-640 et seq.
17A-641. Treatment of a stabilized covered person with an emergency medical condition in a nonparticipating hospital's emergency room.
17A-643. Treatment of covered person under special circumstances.
17A-645. Covered person's access to participating nonprimary care physician specialist.
17A-647. Covered person's access to participating obstetrician or gynecologist -- Authorization for annual pap smear without referral.
17A-649. Administrative regulations for the implementation of KRS 304.17A-640 et seq.
Mental Health Conditions
17A-660. Definitions for KRS 304.17A-660 to 304.17A-669.
17A-661. Treatment of mental health conditions to be covered under same terms and conditions as treatment of physical health conditions.
17A-665. Commissioner to report to Legislative Research Commission on impact of health insurance costs under KRS 304.17A-660 to 304.17A-669.
17A-669. KRS 304.17A-660 to 304.17A-669 not to be construed as mandating coverage for mental health conditions -- Exemptions from KRS 304.17A-660 to 304.17A-669.
KRS 304.17A-700 to 304.17A-730 Payment of Claims
17A-700. Definitions for KRS 304.17A-700 to 304.17A-730 and KRS 205.593, 304.14-135, and 304.99-123.
17A-702. Claims payment time frames -- Duties of insurer.
17A-704. Insurer's acknowledgment of receipt of claim -- Inaccurate or insufficient claim information -- Claim status information.
17A-705. Electronic claims submission.
17A-706. Contested claims -- Delay of payment -- Conditions -- Procedure.
17A-708. Resolution of payment errors -- Retroactive denial of claims -- Conditions.
17A-710. Disclosure of claims payment information to provider.
17A-712. Claim refunds and overpayments.
17A-714. Collection of claim overpayments -- Dispute resolution.
17A-716. Prohibition against denial or reduction of payment for covered health benefit -- Conditions.
17A-718. Disclosure of claims payment information to covered person.
17A-720. Administrative regulations for standardized health claim attachments -- Conformity with federal standards.
17A-722. Administrative regulations on claims payment practices.
17A-724. Applicability of KRS 304.17A-700 to 304.17A-730 and KRS 205.593, 304.14-135, and 304.99-123.
17A-726. Exclusive application of KRS 304.17A-700 to 304.17A-730 and KRS 205.593, 304.14-135, and 304.99-123 to claims incurred and contracts made after July 14, 2000.
17A-728. Contract disclosures of discounted fees -- Violation is unfair claims settlement practice.
17A-730. Payment of interest for failing to pay, denying, or settling a clean claim as required.
Audits of Pharmacy Records
17A-740. Definitions for KRS 304.17A-740 to 304.17A-743.
17A-741. Audit of pharmacy records -- Conditions.
17A-743. Pharmacy audit appeals process.
17A-745. KRS 304.17A-740 to 304.17A-743 not applicable to audits conducted by state agency pursuant to KRS Chapter 205.
17A-747. KRS 304.17A-740 to 304.17A-743 not applicable when fraud, willful misrepresentation, or abuse alleged.
Insurance Purchasing Outlets
17A-750. Definitions for KRS 304.17A-750 to 304.17A-770 and 304.47-020.
17A-752. Registration of insurance purchasing outlets -- Licensed agents -- Administrative regulations.
17A-754. Application -- Approval and issuance of certificate -- Information to be filed -- Administrative regulations.
17A-756. Denial, suspension, and revocation of application or license -- Civil penalty.
17A-758. Activities allowed under administrator license -- Financial statements -- Books and records -- Renewal of certificate -- Nontransferability -- Fees.
17A-760. Duties and powers of insurance purchasing outlet.
17A-762. Outlet to act as policyholder for member -- Certificate of coverage for each member -- Disclosure to members.
17A-764. Determination of premiums -- Restrictions in calculation.
17A-766. Coverage deemed group health insurance -- Requirements for health benefit plans -- Member who no longer meets participation requirements.
17A-768. Voucher -- Redemption -- Payment of premium amount -- Fee to process voucher -- Administrative regulations.
17A-770. Provisions applicable to insurance purchasing outlets.
Self-Insured Employer-Organized Association Groups
17A-800. Purpose of KRS 304.17A-800 to 304.17A-844.
17A-802. Definitions for KRS 304.17A-800 to 304.17A-844.
17A-804. Applicability of KRS 304.17A-800 to 304.17A-844 -- Self-insured employer-organized association groups.
17A-806. Certificate of filing required.
17A-808. Application for certificate of filing - Fee.
17A-810. Conditions for issuance of certificate of filing.
17A-812. Initial and continuing financial solvency requirements.
17A-814. Notification of change in information.
17A-816. Investment of funds.
17A-818. Agent of self-insured employer-organized association group -- Licensing -- Continuing education.
17A-820. Examination of financial condition, affairs, and management by commissioner.
17A-822. Appointment of Secretary of State as attorney to receive legal process.
17A-824. Continuing effectiveness of certificate -- Termination of certificate at request of group -- Merger with another group.
17A-826. Operation of group by board of trustees -- Powers and duties -- Prohibited acts.
17A-828. Membership -- Liability on termination of membership, insolvency, or bankruptcy.
17A-830. Trustees, officers, directors, or employees not to have interest in administrator or group.
17A-832. Statement of financial condition -- Authority for administrative regulations.
17A-834. Filing of rates, underwriting guidelines, evidence of coverage, and changes -- Filing fee.
17A-836. Contribution plans to be established.
17A-838. Members to receive evidences of coverage -- Contents.
17A-840. Suspension or revocation of certificate of filing.
17A-842. Authority for administrative regulations.
17A-844. Prohibited activities -- Penalties.
17A-846. Providing of requested information on insureds by group health benefit plan insurers -- Confidentiality -- Additional information to be provided to large groups.
Subtitle 17B. Kentucky Access
17B-001. Definitions for subtitle.
17B-003. Establishment of Kentucky Health Care Improvement Authority -- Members and meetings -- Programs and expenditure of funds -- Public hearings -- Liabilities.
17B-005. Creation of Kentucky Access -- Appointment of division director -- Purpose -- Liabilities.
17B-007. Department's duties in operation and administration of Kentucky Access.
17B-009. Department's powers in operation and administration of Kentucky Access.
17B-011. Third-party administrator to administer Kentucky Access -- Selection and duties -- Reimbursement for expenses.
17B-013. Premium rates for health benefit plans under Kentucky Access.
17B-015. Eligibility for coverage under Kentucky Access.
17B-017. Department's responsibility for evaluation and revision of rates and plans offered to Kentucky Access enrollees.
17B-019. Types of health benefit plans to be issued under Kentucky Access.
17B-021. Assessment of insurers -- Kentucky Access fund -- Reimbursement of GAP losses -- Examination of insurers and stop-loss carriers to determine accuracy of information provided.
17B-023. Duties of GAP participating insurer and department to report and to provide information -- Payment of GAP losses -- Examination of insurers to determine accuracy of information provided.
17B-025. Enrollee's option to renew health benefit plan -- Guaranteed Acceptance Program to remain in effect with certain exceptions.
17B-027. Exemption of Kentucky Access and the department from state and local taxes.
17B-029. Department's duties to report to General Assembly -- State Auditor to audit Kentucky Access and report to the Legislative Research Commission and the department.
17B-031. Administrative regulations to carry out KRS 304.17B-001 to 304.17B-031 -- Kentucky Access subject to other laws.
17B-033. List of high-cost conditions -- Recommendations and changes -- Administrative regulations.
17B-035. Payment for coverage of services within scope of practice of optometrists.
17B-037. Limitation on amount of copayment or coinsurance charged for services rendered by chiropractor or optometrist.
Subtitle 17C. Limited Health Service Benefit Plans
17C-010. Definitions for subtitle.
17C-020. Discrimination prohibited against willing provider located in area.
17C-030. Disclosure.
17C-040. Availability of provider network.
17C-050. Standards for providers -- Mechanism for acting upon applications -- Policy governing removal of providers from network.
17C-060. Filing of agreements -- Provisions of agreements -- Filing of risk-sharing arrangements and subcontracts -- Availability of information.
17C-070. Prohibition of contract to limit disclosure to enrollee -- Actions for which provider may not be penalized -- Disclosure of arrangements between plan and providers.
17C-080. Plan for selection and reevaluation of providers.
17C-085. Set fees for noncovered services in participating provider agreement prohibited.
17C-090. Payment of claims of dental-only benefits -- Reports -- Interest .
17C-100. Payment for coverage of services within scope of practice of optometrists.
17C-110. Limitation on amount of copayment or coinsurance charged for services rendered by chiropractor or optometrist.
Subtitle 18. Group and Blanket Health Insurance
18-010. Scope of subtitle -- Short title.
18-020. "Group health insurance" defined -- Eligible groups and benefits.
18-023. Repealed, 1996. [Repealed]
18-025. Repealed, 2000. [Repealed]
18-030. Required provisions in group policies.
18-032. Coverage for newly born children from moment of birth.
18-033. Optional nursery care coverage for a well newly born child.
18-034. Medicare supplement insurance for persons not eligible for Medicare by reason of age.
18-035. Ambulatory surgical centers, coverage.
18-036. Coverage for treatment for mental illness.
18-0363. Coverage for services of licensed psychologist or licensed clinical social worker.
18-0365. Coverage for treatment of temporomandibular joint disorders and craniomandibular jaw disorders.
18-037. Group or blanket health insurers to offer home health care coverage to master policyholder -- Conditions.
18-038. Repealed, 1992. [Repealed]
18-040. Direct payment of hospital, medical services.
18-045. Requirements for insurer that issues policy or administers program providing for utilization review of benefits.
18-050. Readjustment of premiums -- Dividends.
18-055. Repealed, 2000. [Repealed]
18-060. "Blanket health insurance" defined.
18-070. Filing and required provisions in blanket policies.
18-080. Application and certificates.
18-085. Commissioner to prescribe guidelines for coordination of benefits by group health insurance policies.
18-090. Payment of benefits under blanket policy.
18-095. Indemnity payable for services performed by optometrists, osteopaths, physicians, chiropractors, or podiatrists.
18-097. Policy covering services performed by dentist deemed to cover such services performed by physician.
18-098. Coverage for mammograms.
18-0983. Coverage for medical and surgical benefits with respect to mastectomy, diagnosis and treatment of endometrioses and endometritis, and bone density testing -- Duties of insurer.
18-0985. Coverage for treatment of breast cancer.
18-100. Legal liability of policyholders for death, injury to member insured under blanket policy.
18-110. Continuation of group coverage after termination of membership in group -- Notice of eligibility.
18-114. Conversion health insurance policy for member terminated under group policy -- Terms -- Situations in which conversion coverage need not be granted.
18-115. Repealed, 1994. [Repealed]
18-120. Minimum benefits under converted policy.
18-124. "Group policy" defined.
18-125. Liability for claims incurred during grace periods.
18-126. Policies to provide reasonable extension of benefits during disability -- Extensions to be described in group policies and certificates.
18-127. Transfer of liability when policy replaced by that of succeeding insurer.
Treatment of Alcoholism
18-130. Policies to cover treatment for alcoholism -- Exclusions.
18-140. Treatment of alcoholism -- Required provisions -- Minimum benefits.
18-150. Treatment of alcoholism, minimum benefits may be exceeded.
18-160. Alcoholism to be considered a disease.
18-170. Alcoholism, definitions, requirements for treatment.
18-180. Commissioner may adopt rules and regulations.
Subtitle 19. Credit Life Insurance and Credit Health Insurance
19-010. Scope.
19-020. Definitions.
19-030. Forms of credit life insurance and credit health insurance.
19-040. Amounts of credit life insurance.
19-050. Amounts of credit health insurance.
19-060. Term of insurance.
19-070. Provisions of policies and certificates of insurance -- Disclosure to debtors.
19-080. Filing -- Effectiveness and withdrawal.
19-082. Rates for credit health insurance coverage to credit union borrowers when coverage is not a loan condition.
19-090. Premiums and refunds.
19-100. Issuance of policies.
19-110. Claims.
19-120. Choice of insurer.
19-130. Administrative hearing.
19-140. Suicide clause.
Subtitle 20. Casualty Insurance Contracts
20-010. Casualty contracts subject to general provisions.
20-020. Uninsured vehicle coverage -- Insolvency of insurer.
20-030. Retroactive annulment of liability policies prohibited.
20-035. Notice of renewal premiums of property or casualty policy.
20-037. Reinstatement of expired policy for which renewal was offered -- Conditions.
20-040. Cancellation, nonrenewal, or termination of automobile insurance -- Definitions -- Scope -- Penalties.
20-041. Prohibition against insurer's refusing to reissue motor vehicle liability policy or imposing additional premium because of uninsured status under certain conditions.
20-042. Termination or refusal to issue insurance due to credit history prohibited.
20-043. Cancellation of policy held by state employee prohibited, when -- Exception.
20-045. Increase in premium on automobile liability insurance policy -- Complaint.
20-047. Cancellation, nonrenewal, or premium increase because of simple coverage inquiry prohibited.
20-050. Arbitration provision not binding.
20-060. Coverage for safety equipment, definition.
20-065. Coverage for motor vehicle loaned as replacement.
20-070. Check endorsement not to act as release from further liability.
20-080. Self-insurance of public housing authority.
20-090. Workers' compensation insurers to provide proof of coverage to commissioner of Department of Workers' Claims.
20-100. Loss run statement to be provided upon request -- Duties of insurer and insurer's agent.
Fire Loss
20-150. Definitions.
20-160. Power of authorized agency to require insurer to furnish information concerning fire loss.
20-170. Information to be held confidential.
20-180. Intentional refusal or failure to provide information prohibited.
20-190. Concurrent jurisdiction.
20-200. Proceeds of policy subject to tax lien on insured real estate.
20-210. Notification of insurer of existence of lien -- Payment by insurer to taxing authority.
20-220. Priority of lien.
20-230. Insurer not liable for amounts paid pursuant to KRS 304.20-210.
20-240. Application of KRS 304.20-200 to 304.20-250.
20-250. Government's right to enforce any lien not altered.
20-260. Maximum coverage for loss or damage to structure.
Declinations, Cancellations, and Nonrenewals
20-300. Purpose and application of KRS 304.20-320 to 304.20-350.
20-310. Definitions for KRS 304.20-320 to 304.20-350.
20-320. Declinations -- Cancellations -- Nonrenewals -- Terminations -- Notice of premium required.
20-330. Reasons for cancellation.
20-340. Declination or termination prohibited, when.
20-350. Penalties for violations of KRS 304.20-320 to this section.
20-380. Premium credit or discount provision for buildings equipped with an automatic sprinkler system.
20-385. Application of KRS 304.20-380.
Reductions for Antitheft Device
20-400. Definitions.
20-410. Five percent discount.
20-420. Fifteen percent discount.
20-430. Twenty percent discount.
20-440. Highest discount to apply for use of two or more antitheft devices.
20-450. Application of KRS 304.20-400 to 304.20-440.
Subtitle 21. Surety Insurance Contracts
21-010. Surety contracts subject to general provisions.
21-020. Commissioner's certificate as to authorized surety insurers -- Filing.
21-030. Commissioner's certificate as to withdrawing insurer.
21-040. Justification of surety -- Commissioner's certificate as evidence.
21-050. Corporate bonds satisfy legal requirements.
21-060. Certificate as evidence of authority to be sole surety.
21-070. Premiums on bonds.
21-080. Estoppel to deny power.
21-090. Notification of intention to cancel, terminate, or not renew blanket bond.
Subtitle 22. Title Insurance Contracts
22-010. Contracts subject to general provisions.
22-020. Filing of rates -- Rate standard -- Adherence.
22-030. Powers of title insurer.
22-040. Prohibition against guaranteeing obligations executed by others -- Exceptions.
Subtitle 23. Mortgage Guaranty Insurance
23-010. Contracts subject to general provisions.
23-020. Eligibility of insurer.
23-030. Outstanding liability -- Amount.
23-040. Advertising "insured loans" -- Conditions.
Subtitle 24. Domestic Stock and Mutual Insurers
24-010. Scope.
24-020. Definitions.
24-030. Applicability of general corporation statutes.
24-040. Incorporation of domestic stock, combined stock and mutual life, or mutual insurers -- Votes allotted to stockholders and policyholders.
24-050. Procedures preliminary to qualification.
24-060. Qualification of newly organized stock insurer.
24-070. Completion of incorporation -- General powers and duties.
24-080. Amendment of articles of incorporation -- Mutual insurers.
24-090. Amendment of articles of incorporation -- Stock insurers.
24-095. Articles of incorporation of a combined stock and mutual life insurance company -- Possible amendments.
24-100. Formation of mutual -- Initial qualifications.
24-110. Formation of mutual -- Bond.
24-120. Formation of mutual -- Applications for insurance.
24-130. Formation of mutual -- Trust deposit of premiums.
24-140. Formation of mutual -- Failure to qualify.
24-150. Additional kinds of insurance -- Mutuals.
24-160. Membership in mutuals.
24-170. Bylaws of mutual.
24-180. Rights of mutual members in general.
24-190. Meetings of members of mutual insurer.
24-200. Special meetings of members of mutual insurer.
24-210. Voting rights of mutual members.
24-220. Contingent liability of mutual member.
24-230. Levy of contingent liability.
24-240. Enforcement of contingent liability.
24-250. Nonassessable policies -- Mutual insurers.
24-260. Nonassessable policies -- Revocation of authority.
24-270. Prohibited pecuniary interests.
24-280. Management and exclusive agency contracts.
24-290. Principal office -- Records -- Assets.
24-300. Borrowed surplus.
24-310. Participating policies.
24-320. Dividends to stockholders.
24-330. Dividends to policyholders.
24-340. Issuance of policies in other states.
24-350. Impairment of capital or assets.
24-360. Mutualization of stock insurer.
24-370. Conversion of stock insurer to ordinary business corporation.
24-380. Repealed, 2000 . [Repealed]
24-390. Merger -- Consolidation of insurers.
24-400. Affiliations of stock insurers.
24-410. Repealed, 2000. [Repealed]
24-415. Report disclosing material acquisitions and dispositions of assets, nonrenewals, cancellations, or revisions of ceded reinsurance agreements -- Exceptions.
24-420. Bulk reinsurance.
24-430. Voluntary dissolution.
24-440. Mutual member's share of assets on liquidation.
24-500. Approval of foreign insurer as domestic insurer -- Transfer of domicile of domestic insurer to another state -- Continuance of certificate of authority upon transfer of corporate domicile after merger or consolidation.
Insurer Demutualization
24-600. Conversion of domestic mutual insurer to stock insurer.
24-601. Definitions for KRS 304.24-600 to 304.24-625.
24-603. Amendment of articles of incorporation -- Plan of conversion.
24-605. Application for approval of plan of conversion -- Actuarial opinion.
24-607. Commissioner's review of plan of conversion -- Hearing and comments -- Approval or disapproval.
24-609. Findings requiring commissioner's approval of plan -- Hiring of experts -- Deposits in anticipation of expenses -- Commissioner may consider effect of insurer's past actions.
24-611. Vote on plan of conversion and proposed amendments -- Meeting of members -- Notice of right to vote and accompanying materials -- Voting by proxy.
24-613. Effect of conversion.
24-615. Consideration distributed to eligible members.
24-617. Fairness of method or formula in plan of conversion.
24-619. Dividend preservation provisions.
24-621. Use of closed block to preserve dividend expectations.
24-623. Acquisition of beneficial ownership of voting securities after conversion.
24-625. Sale or issuance of stock or other security after conversion.
Subtitle 25. Continuity of Management
25-010. Purpose.
25-020. Definitions -- Interpretation of subtitle.
25-030. Emergency bylaws.
25-040. Change of location -- Emergency boards of directors.
25-050. Powers of the commissioner.
25-060. General provisions.
25-070. Governor's authority -- Effect of other laws.
Subtitle 26. Insider Trading of Equity Securities
26-010. Scope of subtitle.
26-020. "Equity security" defined.
26-030. Beneficial owner, director, and officer required to file statements concerning equity securities with commissioner.
26-040. Profits realized by beneficial owner, director, or officer from purchase -- Sale of equity securities recoverable by insurer -- Limitation of actions -- Exceptions.
26-050. Unlawful sales of equity securities by beneficial owner, director, or officer.
26-060. Investment accounts and transactions.
26-070. Foreign or domestic arbitrage transactions.
26-080. Inapplicability of KRS 304.26-030 to 304.26-050, inclusive, to equity securities of domestic stock insurers.
26-090. Regulations of commissioner -- Classification of insurers and securities -- Acts done or omitted in good faith.
Subtitle 27. Reciprocal Insurers
27-010. "Reciprocal insurance" defined.
27-020. Scope of subtitle -- Existing insurers.
27-030. Insuring powers of reciprocals.
27-040. Name, suits.
27-050. Attorney.
27-060. Organization of reciprocal insurer.
27-070. Certificate of authority.
27-080. Power of attorney.
27-090. Modification of subscribers' agreement or of power of attorney.
27-100. Bond of attorney.
27-110. Deposit in lieu of bond.
27-120. Action on bond.
27-130. Service of process -- Judgment.
27-140. Contributions to insurer.
27-150. Annual statement.
27-160. Determining financial condition.
27-170. Who may be subscribers.
27-180. Subscribers' advisory committee.
27-190. Subscribers' liability.
27-200. Subscriber's liability on judgments.
27-210. Assessments.
27-220. Time limit for assessments.
27-230. Aggregate liability.
27-240. Nonassessable policies.
27-250. Distribution of savings.
27-260. Subscribers' share in assets.
27-270. Merger or conversion.
27-280. Impaired reciprocals.
Subtitle 28. Lloyd's Plan Insurers
28-010. "Underwriters" defined.
28-020. "Attorney" defined.
28-030. Application for license.
28-040. Authorization of underwriters.
28-050. Liability of substitutes.
28-060. Reserves.
28-070. Action on policy.
28-080. Provisions applicable to foreign Lloyd's.
Subtitle 29. Fraternal Benefit Societies
29-010. Repealed, effective January 1, 1989. [Repealed]
29-011. Fraternal benefit societies, defined.
29-015. Repealed, effective January 1, 1989. [Repealed]
29-020. Repealed, effective January 1, 1989. [Repealed]
29-021. Lodge system, defined.
29-030. Repealed, effective January 1, 1989. [Repealed]
29-031. Representative form of government, defined.
29-040. Repealed, effective January 1, 1989. [Repealed]
29-041. Definitions.
29-050. Repealed, effective January 1, 1989. [Repealed]
29-051. Purposes and powers.
29-060. Repealed, effective January 1, 1989. [Repealed]
29-061. Qualifications for membership.
29-070. Repealed, effective January 1, 1989. [Repealed]
29-071. Location of office -- Meetings -- Communications to members -- Grievance procedures.
29-080. Repealed, effective January 1, 1989. [Repealed]
29-081. Personal liability.
29-090. Repealed, effective January 1, 1989. [Repealed]
29-091. Waiver.
29-100. Repealed, effective January 1, 1989. [Repealed]
29-101. Organization.
29-110. Repealed, January 1, 1989. [Repealed]
29-111. Amendment to laws.
29-120. Repealed, effective January 1, 1989. [Repealed]
29-121. Institutions.
29-130. Repealed, effective January 1, 1989. [Repealed]
29-131. Reinsurance.
29-140. Repealed, effective January 1, 1989. [Repealed]
29-141. Consolidations and mergers.
29-150. Repealed, effective January 1, 1989. [Repealed]
29-151. Conversion into mutual life insurance company.
29-160. Repealed, effective January 1, 1989. [Repealed]
29-161. Benefits.
29-170. Repealed, effective January 1, 1989. [Repealed]
29-171. Beneficiaries.
29-180. Repealed, effective January 1, 1989. [Repealed]
29-181. Benefits not attachable.
29-190. Repealed, effective January 1, 1989. [Repealed]
29-191. The benefit contract.
29-200. Repealed, effective January 1, 1989. [Repealed]
29-201. Nonforfeiture benefits, cash surrender values, certificate loans and other options.
29-210. Repealed, effective January 1, 1989. [Repealed]
29-211. Investments.
29-220. Repealed, effective January 1, 1989. [Repealed]
29-221. Funds.
29-230. Repealed, effective January 1, 1989. [Repealed]
29-231. Exemptions.
29-240. Repealed, effective January 1, 1989. [Repealed]
29-241. Taxation.
29-250. Repealed, effective January 1, 1989. [Repealed]
29-251. Valuation.
29-260. Repealed, effective January 1, 1989. [Repealed]
29-261. Reports.
29-270. Repealed, effective January 1, 1989. [Repealed]
29-271. Annual license.
29-280. Repealed, effective January 1, 1989. [Repealed]
29-281. Examination of societies.
29-290. Repealed, effective January 1, 1989. [Repealed]
29-291. Foreign or alien society -- Admission.
29-300. Repealed, effective January 1, 1989. [Repealed]
29-301. Injunction -- Liquidation -- Receivership of domestic society.
29-310. Repealed, effective January 1, 1989. [Repealed]
29-311. Suspension, revocation, or refusal of license of foreign or alien society.
29-320. Repealed, January 1, 1989. [Repealed]
29-321. Injunction.
29-330. Repealed, effective January 1, 1989. [Repealed]
29-331. Licensing of agents of fraternal benefit societies.
29-340. Repealed, effective January 1, 1989. [Repealed]
29-341. Unfair methods of competition -- Unfair and deceptive acts and practices.
29-350. Repealed, effective January 1, 1989. [Repealed]
29-351. Service of process.
29-360. Repealed, effective January 1, 1989 [Repealed]
29-361. Review.
29-370. Repealed, effective January 1, 1989. [Repealed]
29-371. Exemption of certain societies.
29-380. Repealed, effective January 1, 1989. [Repealed]
29-390. Repealed, effective January 1, 1989. [Repealed]
29-400. Repealed, effective January 1, 1989. [Repealed]
29-410. Repealed, effective January 1, 1989. [Repealed]
29-420. Repealed, effective January 1, 1989. [Repealed]
29-430. Repealed, effective January 1, 1989. [Repealed]
29-440. Repealed, effective January 1, 1989. [Repealed]
29-450. Repealed, effective January 1, 1989. [Repealed]
29-455. Repealed, effective January 1, 1989. [Repealed]
29-460. Repealed, 1982. [Repealed]
29-470. Repealed, effective January 1, 1989. [Repealed]
29-480. Repealed, effective January 1, 1989. [Repealed]
29-490. Repealed, effective January 1, 1989. [Repealed]
29-500. Repealed, effective January 1, 1989. [Repealed]
29-510. Repealed, effective January 1, 1989. [Repealed]
29-520. Repealed, effective January 1, 1989. [Repealed]
29-530. Repealed, effective January 1, 1989. [Repealed]
29-540. Repealed, effective January 1, 1989. [Repealed]
29-550. Repealed, effective January 1, 1989. [Repealed]
29-560. Repealed, effective January 1, 1989. [Repealed]
29-565. Assessment.
29-570. Repealed, effective January 1, 1989. [Repealed]
29-580. Repealed, effective July 15, 1982. [Repealed]
29-590. Repealed, January 1, 1989. [Repealed]
29-600. Long-term health care benefits.
Subtitle 30. Insurance Premium Finance Companies
30-010. Application.
30-020. Definitions.
30-030. Licenses.
30-040. Action by commissioner on application.
30-050. Revocation and suspension of licenses.
30-060. Books and records.
30-070. Power to make rules.
30-080. Form of premium finance agreement.
30-090. Maximum service charge.
30-100. Delinquency charges.
30-110. Cancellation of insurance contract upon default.
30-120. Exemption from any filing requirement.
Subtitle 31. Burial Insurance
31-010. Continued transactions by burial insurance engaging in business on January 1, 1971 -- Conditions.
Subtitle 32. Nonprofit Hospital, Medical-Surgical, Dental and Health Service Corporations
32-010. Short title.
32-020. Purpose and interpretation.
32-030. Application of subtitle.
32-040. Incorporation.
32-045. Entities subject to provisions of this subtitle permitted to convert to domestic mutual insurance companies subject to provisions of Subtitle 24.
32-050. Certificate of authority.
32-060. Name.
32-070. Management.
32-080. Authorized contracts.
32-090. Annual and quarterly statements.
32-095. Application of KRS 304.2-205.
32-098. Compliance with KRS 304.18-124 to 304.18-127.
32-100. Repealed, 1982. [Repealed]
32-110. Certificate of authority -- Renewal date.
32-120. Certificate of authority -- Extension.
32-130. Schedule of dues.
32-140. Guarantee fund -- Investments -- Risk-based capital requirements.
32-145. Coordination of benefits.
32-147. Requirements for health service corporation that issues policy or administers program providing for utilization review of benefits.
32-150. Benefits.
32-151. Conversion and continuation rights upon termination of group coverage.
32-152. Repealed, 1986. [Repealed]
32-153. Coverage for newly born children from moment of birth.
32-154. Optional nursery care coverage for a well newly born child.
32-155. Payment of claims.
32-1551. Use by corporation of itemized statement furnished to paying patient prohibited.
32-156. Ambulatory surgical centers, coverage.
32-157. Indemnity payable for services performed by optometrists, osteopaths, podiatrists, physicians or chiropractors.
32-158. Coverage for treatment of alcoholism.
32-1585. Coverage for treatment of temporomandibular joint disorders or craniomandibular jaw disorders.
32-159. Policy covering services performed by dentist deemed to cover such services performed by physician.
32-1591. Coverage for mammograms.
32-1593. Coverage for medical and surgical benefits with respect to mastectomy, diagnosis and treatment of endometrioses and endometritis, and bone density testing -- Duties of insurer.
32-1595. Coverage for treatment of breast cancer.
32-160. Forms and schedules of charges -- Filing and approval.
32-165. Coverage for treatment for mental illness.
32-166. Coverage for services of licensed psychologist or licensed clinical social worker.
32-170. Authorized contracts.
32-180. Agent of corporation -- Licensing -- Continuing education -- Appointment.
32-190. Repealed, 2002. [Repealed]
32-200. Repealed, 2002. [Repealed]
32-210. Application of Subtitle 2 to nonprofit hospital, medical-surgical, dental, and health service corporations.
32-220. Repealed, 2004. [Repealed]
32-230. Repealed, 2004. [Repealed]
32-235. Suspension or revocation of certificate of authority.
32-240. Grievances.
32-250. Rules and regulations.
32-260. Limitations of subtitle.
32-270. Application of other subtitles.
32-275. Medicare supplement coverage for persons not eligible for Medicare by reason of age.
32-280. Nonprofit hospital, medical-surgical, dental and health service corporations as insurers to offer home health care coverage -- Conditions.
32-290. Long-term health care benefits.
Self-Insured Private Employer Group Health Plans
32-300. Conversion health insurance policy -- Rights of employee's surviving spouse.
32-310. Benefits.
32-315. Self-insured private employer subject to KRS 304.14-135.
32-320. Notification of department.
32-330. Requirements for self-insured employer that provides health coverage and requires utilization review of benefits.
Subtitle 33. Insurers Rehabilitation and Liquidation
33-010. Title, construction, and purpose.
33-020. Persons covered.
33-030. Definitions.
33-040. Jurisdiction and venue.
33-050. Injunctions and orders.
33-060. Costs and expenses of litigation.
33-070. Cooperation of officers and employees.
33-075. Activities prohibited until repayment.
33-080. Bonds.
33-090. Repealed, 1982. [Repealed]
33-100. Continuation of delinquency proceedings.
33-105. Application to proceedings commenced before July 13, 1990.
33-110. Commissioner's emergency orders.
33-115. Liability of commissioner and others.
33-120. Court's seizure order.
33-130. Conduct of hearings in summary proceedings.
33-140. Grounds for rehabilitation.
33-150. Rehabilitation orders.
33-160. Powers and duties of the rehabilitator.
33-165. Appearances of rehabilitator before committee.
33-170. Actions by and against rehabilitator.
33-180. Termination of rehabilitation.
33-190. Grounds for liquidation.
33-200. Liquidation orders.
33-210. Continuance of coverage.
33-215. Obligation for unpaid premiums.
33-220. Dissolution of insurer.
33-230. Federal receivership.
33-240. Powers of liquidator.
33-250. Notice to creditors and others.
33-260. Duties of agents.
33-270. Actions by and against liquidator.
33-280. List of assets -- Liquidation of assets.
33-290. Fraudulent transfer prior to petition.
33-300. Fraudulent transfers after petition.
33-310. Voidable preferences and liens.
33-320. Claims of holders of void or voidable rights.
33-330. Set-offs and counterclaims.
33-340. Assessments.
33-350. Reinsurer's liability.
33-360. Filing of claims.
33-370. Proof of claim.
33-380. Special claims.
33-390. Special provision for third-party claims.
33-400. Disputed claims.
33-410. Claims of surety.
33-420. Secured creditor's claims.
33-430. Order of distribution.
33-431. Applicability of KRS 304.33-430 in liquidation proceedings.
33-440. Liquidator, disbursement of assets, recommendations to the court.
33-450. Distribution of assets.
33-460. Unclaimed and withheld funds.
33-470. Termination of proceedings.
33-480. Reopening liquidation.
33-490. Disposition of records during and after termination of liquidation.
33-500. External audit of receiver's books.
33-510. Conservation of property of foreign or alien insurers found in this state.
33-520. Liquidation of property of foreign or alien insurers found in this state.
33-530. Foreign domiciliary receivers in other states.
33-540. Ancillary formal proceedings.
33-550. Ancillary summary proceedings.
33-560. Claims of nonresidents against insurers domiciled in this state.
33-570. Claims of residents against insurers domiciled in reciprocal states.
33-580. Attachment, garnishment and levy of execution.
33-590. Interstate priorities.
33-600. Subordination of claims for noncooperation.
Subtitle 34. Bail Bondsmen
34-010. Repealed, 2004. [Repealed]
34-020. Repealed, 2004. [Repealed]
34-030. Repealed, 2004. [Repealed]
34-040. Repealed, 2004. [Repealed]
34-042. Repealed, 2004. [Repealed]
34-045. Repealed, 2004. [Repealed]
34-050. Repealed, 2004. [Repealed]
34-060. Repealed, 2004. [Repealed]
34-070. Repealed, 2004. [Repealed]
34-075. Repealed, 2004. [Repealed]
34-080. Repealed, 2004. [Repealed]
34-090. Repealed, 2004. [Repealed]
34-100. Repealed, 2004. [Repealed]
34-110. Repealed, 2004. [Repealed]
34-120. Repealed, 2004. [Repealed]
34-130. Repealed, 2004. [Repealed]
34-140. Repealed, 2004. [Repealed]
34-150. Repealed, effective July 1, 1982. [Repealed]
34-160. Repealed, 2004. [Repealed]
Subtitle 35. FAIR Plan and Reinsurance Association
35-010. Definitions -- Organization of FAIR plan and reinsurance association.
35-020. Participation.
35-030. Requirements of plan and authority of association.
35-040. Governing committee.
35-050. Appeals.
35-060. Savings clause.
35-070. Repealed, 1980. [Repealed]
35-080. Repealed, 1980. [Repealed]
35-090. Repealed, 1980. [Repealed]
35-100. Repealed, 1980. [Repealed]
35-105. Report of FAIR plan commercial real property policy applicants' names to state fire marshal.
35-110. Repealed, 1980. [Repealed]
Subtitle 36. Kentucky Insurance Guaranty Association
36-010. Title.
36-020. Purpose of subtitle.
36-030. Scope of subtitle.
36-040. Construction of subtitle.
36-050. Definitions for subtitle.
36-060. Creation of the association.
36-070. Board of directors.
36-080. Powers and duties of association.
36-085. Stay of proceedings involving insolvent insurer -- Defense by association -- Association permitted to apply to vacate judgment based on default of insolvent insurer.
36-090. Plan of operation.
36-100. Duties and powers of the commissioner.
36-110. Effect of paid claims.
36-120. Nonduplication of recovery.
36-130. Prevention of insolvencies.
36-140. Examination of the association.
36-150. Tax exemption.
36-160. Recognition of assessments in rates.
36-170. Immunity.
Subtitle 37. Insurance Holding Company Systems
37-010. Definitions for Subtitle 37.
37-020. Registration of insurers.
37-030. Standards for insurance holding company system -- Factors to be considered -- Prohibited transactions.
37-040. Examination by commissioner.
37-050. Confidential treatment of information obtained in course of examination.
37-055. Supervisory colleges for certain domestic insurers -- Powers of commission. (Effective July 15, 2014)
37-060. Rules and regulations.
37-070. Receivership.
37-080. Revocation, suspension, or nonrenewal of insurer's license.
37-090. Record of hearing.
37-100. Judicial review -- Injunction.
37-110. Subsidiaries that may be organized or acquired by domestic insurer -- Investments of domestic insurers.
37-120. Preacquisition notification -- Review -- Exceptions -- Jurisdiction of Kentucky courts.
37-130. Acquisition of control or merger of domestic insurers.
37-140. Recovery of distributions.
37-150. Voting rights of holder of security acquired in contravention of chapter or action of commissioner -- Legal actions to enjoin voting and to seize or sequester security.
Mutual Insurance Holding Company
37-500. Definitions for KRS 304.37-500 to 304.37-580.
37-505. Reorganization of domestic mutual insurance company by forming mutual insurance holding company -- Hearing -- Approval.
37-510. Reorganization of foreign mutual insurance company forming mutual insurance holding company -- Hearing -- Approval.
37-515. Incorporation of reorganizing corporation.
37-520. Applicability of Subtitle 33.
37-525. Applicability of KRS 304.24-600 to 304.24-625.
37-530. Membership interest not a security.
37-535. Capital stock.
37-540. Annual statement -- Limitation on aggregate pledges and encumbrances of assets -- Investment of net worth in subsidiaries.
37-545. Approval of policy credit, dividend, or distribution.
37-550. Application for approval of reorganization or merger.
37-555. Plan of reorganization.
37-560. Purpose of application and plan.
37-565. Hearing -- Agreement to adopt foreign findings -- Notice -- Application and plan review -- Order -- Revocation -- Notice and documentation of completion.
37-570. Stock offering -- Application -- Conditions for approval -- Hearing -- Filing of registration statement with Securities and Exchange Commission.
37-575. Prohibited practices.
37-580. Prohibited ownership interests -- Prohibited acquisition offer to acquire.
Subtitle 38. Health Maintenance Organizations
38-010. Title.
38-020. Purpose.
38-030. Definitions for subtitle.
38-035. Certificate required for health maintenance organization.
38-040. Establishment of health maintenance organizations.
38-050. Evidence of coverages and charges for health care service -- Exception.
38-060. Issuance of certificate of authority.
38-065. Repealed, 2002. [Repealed]
38-070. Requirements for protection against insolvency -- Risk-based capital requirements.
38-073. Deposit of cash or securities for performance of obligations to enrollees.
38-075. Requirements for transfer of risk to provider -- Additional reserves may be required.
38-077. Repealed, 2002. [Repealed]
38-080. Information to enrollees.
38-090. Annual report.
38-095. Application of KRS 304.2-205.
38-098. Compliance with KRS 304.18-124 to 304.18-127.
38-100. Investments.
38-110. Agent of health maintenance organization -- Licensing -- Continuing education -- Appointment.
38-120. Financial condition, market conduct, and business practices subject to examination.
38-130. Revocation or suspension of certificate of authority.
38-140. Rehabilitation, liquidation, or conservation of health maintenance organization.
38-150. Rules and regulations.
38-160. Repealed, 1982. [Repealed]
38-170. Public documents -- Statutory construction.
38-180. Prohibited practices.
38-185. Coordination of benefits.
38-190. Powers of insurers.
38-191. Conversion and continuation rights upon termination of group coverage.
38-192. Repealed, 1986. [Repealed]
38-193. Coverage for treatment for mental illness.
38-1933. Coverage for services of licensed psychologist or licensed clinical social worker.
38-1934. Coverage for medical and surgical benefits with respect to mastectomy, diagnosis and treatment of endometrioses and endometritis, and bone density testing -- Duties of health maintenance organization.
38-1935. Coverage for mammograms.
38-1936. Coverage for treatment of breast cancer.
38-1937. Coverage for treatment of temporomandibular joint disorders and craniomandibular jaw disorders.
38-194. Pooling of claims experience required.
38-195. Policy covering services performed by dentist deemed to cover such services performed by physician.
38-1955. Construction of provisions for services by licensed optometrist or licensed ophthalmic dispenser to include same services from licensed physician.
38-196. Indemnity payable for services performed by chiropractors, physicians, osteopaths, or podiatrists.
38-197. Coverage for treatment of alcoholism.
38-198. Optional nursery care coverage for a well newly born child.
38-199. Coverage for newly-born child.
38-200. Application of other subtitles.
38-205. Medicare supplement coverage for persons not eligible for Medicare by reason of age.
38-210. Health maintenance organizations as insurers to offer home health care coverage -- Conditions.
38-220. Long-term health care benefits.
38-225. Requirements for health maintenance organization that provides hospital benefits coverage and requires utilization review of benefits.
38-230. Funding of benefits by employer or group contract holder.
Health Discount Plans
38-500. Repealed, 2002. [Repealed]
38-505. Repealed, 2002. [Repealed]
38-510. Repealed, 2002. [Repealed]
Subtitle 38A. Limited Health Service Organizations
38A-010. Definitions for subtitle.
38A-020. Certificate of authority.
38A-030. Application for certificate of authority.
38A-040. Issuance of certificate of authority -- Notification of deficiencies in application and of reasons for denial.
38A-050. Conditions for maintaining eligibility for certificate of authority.
38A-060. Addition of limited health services -- Notification of disapproval -- Hearing.
38A-070. Application of provisions of chapter.
38A-080. Net worth -- Deposit -- Risk-based capital requirements.
38A-090. Suspension or revocation of certificate of authority -- Notification -- Winding up affairs -- Applicable provisions.
38A-100. Transfer of risk -- Plan for evaluating provider -- Additional reserves.
38A-110. Conversion of single service organization -- Net worth and capital requirements.
Subtitle 39. Motor Vehicle Reparations Act
39-010. Policy and purpose.
39-020. Definitions for subtitle.
39-030. Right to basic reparation benefits.
39-040. Obligation to pay basic reparation benefits -- Requirement of option for motorcycle coverage in liability contracts -- Exclusion of motorcycle operator or passenger who has not purchased optional coverage.
39-045. Exclusion from coverage as operator by agreement.
39-050. Priority of applicability of security for payment of basic reparation benefits.
39-060. Acceptance or rejection of partial abolition of tort liability -- Exceptions.
39-070. "Secured person" -- Obligor's rights to recovery.
39-080. Security covering motor vehicle.
39-083. Binder cancellation -- Notification to Department of Vehicle Regulation.
39-085. Notification by insurance company to Department of Vehicle Regulation of persons insured whose policy was terminated -- Exception.
39-087. Definition -- Submission of vehicle identification numbers and names of policyholders to Department of Vehicle Regulation -- Limitation of liability.
39-090. Required security.
39-100. Included coverages.
39-110. Required minimum tort liability insurance.
39-115. Limitation on claim of loss of use of motor vehicle.
39-117. Motor vehicle insurance card to be in paper or electronic format -- Presentation of electronic insurance card to peace officer.
39-120. Calculation of net loss.
39-130. Basic weekly limit on benefits for certain losses.
39-140. Optional additional benefits.
39-150. Approval of terms and forms.
39-160. Assigned claims.
39-170. Assigned claims bureau and plan.
39-180. Time for presenting claims under assigned claims plan.
39-190. Converted motor vehicles.
39-200. Intentional injuries.
39-210. Obligor's duty to respond to claims.
39-220. Fees of claimant's attorney.
39-230. Limitations of actions.
39-240. Repealed, 1998 [Repealed]
39-241. Insured's direction of payment of benefits among elements of loss -- Direction of payment to reimburse for medical expenses already paid.
39-245. Reparation obligor's request for or negotiation of reduction or modification of charges.
39-250. Deduction and set-off.
39-260. Exemption of benefits.
39-270. Mental or physical examinations.
39-280. Disclosure of facts about injured person.
39-290. Kentucky Insurance Arbitration Association -- Creation -- Membership -- Powers -- Duties.
39-300. Rules.
39-310. Certificate of coverage -- Rights and obligations of owner or registrant.
39-320. Underinsured motorist coverage -- Effect of settlement of claims.
39-330. Mandatory rate reduction.
39-340. Unconstitutionality -- Invalidity -- Severability.
39-350. Repealed, 1998. [Repealed]
Subtitle 40. Health Care Malpractice Insurance
Joint Underwriting Association
40-010. Legislative policy.
40-020. Definitions.
40-030. Joint underwriting association -- Health care provider categories -- Termination -- Powers of association.
40-040. Plan of operation -- Content of plan -- Approval -- Revised plan -- Amendments.
40-050. Policies issued by association -- Cancellation -- Rate -- Nonprofit group retrospective rating plan -- Deficit -- Contributions by members.
40-060. Stabilization reserve fund -- Administration -- Charge -- Corporate trustee to hold moneys -- Refund.
40-070. Application for, and issuance of, medical malpractice insurance coverage.
40-075. Medical malpractice insurance for charitable health care providers -- Scope of coverage -- Premiums -- Registration of providers -- Review -- Availability of information.
40-080. Determination of insurer's participation in association.
40-090. Board of directors -- Selection -- Qualifications.
40-100. Appeal.
40-110. Annual statement -- Commissioner may require additional information.
40-120. Annual examination of association.
40-130. Exemption from liability when acting in good faith.
40-140. Rights and privileges of directors of stabilization reserve fund.
Claims
40-250. Legislative purposes.
40-260. Definitions.
40-270. Repealed, 1986. [Repealed]
40-280. Advance payment by defendant.
40-290. Instructions to jury in case having multiple defendants.
40-300. Limitation on malpractice liability.
40-310. Settled or adjudicated claims -- Report -- Approval of commissioner.
40-320. Informed consent -- When deemed given.
40-330. Repealed, 1984. [Repealed]
Subtitle 41. Legal Professional Liability Joint Underwriting Association
41-010. Legislative policy.
41-020. Definitions.
41-030. Joint Underwriting Association -- Categories covered -- Termination -- Powers of association.
41-040. Plan of operation.
41-050. Policies -- Cancellation -- Rate -- Nonprofit group retrospective rating plan -- Deficit -- Contributions by members.
41-060. Stabilization reserve fund.
41-070. Applications for, and issuance of, legal professional liability insurance coverage.
41-080. Determination of insurer's participation in association.
41-090. Board of directors.
41-100. Appeal -- Administrative hearing.
41-110. Annual statement.
41-120. Annual examination.
41-130. Exemption from liability.
41-140. Effect of membership on board of stabilization reserve fund.
Subtitle 42. Kentucky Life and Health Insurance Guaranty Association
42-010. Title.
42-020. Purpose of subtitle.
42-030. Scope of subtitle.
42-040. Construction of subtitle.
42-050. Definitions for subtitle.
42-060. Creation of association -- Membership required -- Functions -- Accounts -- Supervision by commissioner.
42-070. Board of directors.
42-080. Powers and duties of association.
42-090. Assessments -- Classification -- Certificate of contribution -- Payment under protest.
42-100. Plan of operation.
42-110. Duties and powers of commissioner.
42-120. Detection and prevention of insurer insolvencies or impairments.
42-130. Offset of premium tax liability to state.
42-140. Liquidation, rehabilitation or conservation proceedings.
42-150. Examination of the association.
42-160. Tax exemption.
42-170. Immunity.
42-180. Court proceedings to be stayed.
42-190. Advertising restrictions.
Subtitle 43. Prepaid Dental Plan Organization
43-010. Repealed, 2002. [Repealed]
43-020. Repealed, 2002. [Repealed]
43-030. Repealed, 2002. [Repealed]
43-040. Repealed, 2002. [Repealed]
43-050. Repealed, 2002. [Repealed]
43-060. Repealed, 2002. [Repealed]
43-070. Repealed, 2002. [Repealed]
43-080. Repealed, 2002. [Repealed]
43-085. Repealed, 2002. [Repealed]
43-090. Repealed, 2002. [Repealed]
43-100. Repealed, 2002. [Repealed]
43-110. Repealed, 2002. [Repealed]
43-120. Repealed, 2002. [Repealed]
43-130. Repealed, 2002. [Repealed]
43-140. Repealed, 2002. [Repealed]
43-150. Repealed, 2002. [Repealed]
Subtitle 44. Mine Subsidence Insurance
44-010. Definitions for subtitle.
44-020. Mine subsidence insurance fund established.
44-030. Separate premium for insurance against loss by subsidence -- Reimbursement of living expenses of displaced owner.
44-040. Refusal to provide subsidence coverage permitted.
44-050. Reinsurance agreement.
44-060. Exempt counties.
44-070. Ceding commission.
44-080. Payment of loss within 90 days.
44-090. Reports to administrator.
44-100. Powers of administrator.
44-110. Right of subrogation.
44-115. Investment of mine subsidence insurance fund.
44-120. Management of subsidence fund and program by administrator.
44-130. Implementation delayed.
Subtitle 45. Product Liability Risk Retention Groups
45-010. Purpose.
45-020. Definitions for subtitle.
45-030. Requirements for eligibility for charter of risk retention group to write liability insurance pursuant to this subtitle.
45-040. Requirements for doing business -- Exemptions.
45-050. Exemptions.
45-060. Requirements for eligibility for charter of out-of-state groups.
45-070. Requirements and prohibitions for risk retention and purchasing groups.
45-080. Taxation of risk retention groups and insurers.
45-090. Repealed, 1990. [Repealed]
45-100. Countersignature not required.
45-110. Group subject to unfair claims and settlement practices laws and regulations -- Commissioner to enforce.
45-120. Enforceability of order of United States District Court.
45-130. Unlicensed person prohibited from acting as agent for risk retention group or purchasing group.
45-140. Fees.
45-150. Regulations.
Subtitle 46. Commercial Insurance [Expired]
46-010. Expired, effective July 15, 1988.
46-020. Expired, effective July 15, 1988.
46-030. Expired, effective July 15, 1988.
46-040. Expired, effective July 15, 1988.
46-050. Expired, effective July 15, 1988.
46-060. Expired, effective July 15, 1988.
46-070. Expired, effective July 15, 1988.
46-080. Expired, effective July 15, 1988.
46-090. Expired, effective July 15, 1988.
46-100. Expired, effective July 15, 1988.
46-110. Expired, effective July 15, 1988.
46-120. Expired, effective July 15, 1988.
Subtitle 47. Insurance Fraud
47-010. Definitions for subtitle.
47-020. Fraudulent insurance acts -- Penalties -- Compensatory damages -- Application of section.
47-025. Felony offense involving dishonesty or breach of trust -- Fraudulent insurance act -- Penalties.
47-030. Required statements for applications and claims forms.
47-040. Division of Insurance Fraud Investigation -- Special investigators -- Resisting arrest or interfering with investigation.
47-050. Reports of possible fraudulent insurance acts -- Investigation -- Notification of prosecutor -- Immunity from civil liability.
47-055. Privileged and confidential information -- Permitted disclosure by commissioner.
47-060. Immunity of informant and of department employees.
47-070. Costs of administration -- Use of money and property awarded to division as costs or fines.
47-080. Insurers to maintain investigative units.
Subtitle 48. Liability Self-Insurance Groups
48-010. Purpose of subtitle.
48-020. Definitions for subtitle.
48-030. Groups covered -- Compliance by existing groups by July 15, 1995.
48-035. Statutes applicable to liability self-insurance groups.
48-040. Certificate of filing required -- Existing certificates of filing to remain in force.
48-050. Application for certificate of filing -- Fee.
48-060. Issuance of certificate of filing.
48-070. Scope of section -- Financial strength required.
48-080. Notification of change in information.
48-090. Investment of funds.
48-100. Agent of liability self-insurance group -- Licensing -- Continuing education -- Appointment.
48-110. Examination of financial condition, affairs, and management of liability self-insurance group by commissioner.
48-120. Appointment of Secretary of State as attorney to receive legal process.
48-130. Continuing effectiveness of certificate -- Termination of certificate at request of group -- Merger with another group.
48-140. Operation of group by board of trustees -- Powers and duties -- Directors equivalent to trustees for subtitle.
48-150. Membership -- Liability on termination of membership, insolvency, or bankruptcy.
48-160. Officers, directors, or employees not to have interest in administrator -- Exception.
48-170. Statement of financial condition for preceding fiscal year -- Quarterly statements and acknowledgments -- Authority for administrative regulations -- Member's right to statement upon request.
48-180. Filing of rates, underwriting guidelines, evidence of coverage, and charges -- Filing fee.
48-190. Requirement for contribution and assessment payment plans.
48-200. Requirement of written evidence of coverage -- Contents.
48-210. Motor vehicle liability -- Compliance with KRS 304.39-080(7) -- Statement in application for a certificate of filing.
48-220. Suspension or revocation of certificate of filing.
48-230. Authority for administrative regulations for subtitle.
48-240. Prohibited activities.
48-250. Assessment of members when assets insufficient or when deficiency in fund year -- Determination of insolvency -- Delinquency proceedings -- Financing of payments by governmental entities.
48-260. Commissioner's enforcement authority.
Subtitle 49. Captive Insurers
49-010. Definitions for KRS 304.49-010 to 304.49-230.
49-020. Certificate required for captive insurer -- Qualifications -- Restrictions on doing business -- Required documentation -- Confidentiality -- Fee.
49-030. Name of captive insurer.
49-040. Financial security requirements.
49-050. Payment of dividends -- Commissioner's approval required -- Limitations -- Rescinding approval.
49-060. Formation of captive insurers -- Applicability of KRS Chapters 271B, 273, and 275 -- Conditions for issuing certificate of authority -- Applicability of KRS Chapter 271B and Subtitles 27 and 45 -- Conflicts -- Owners and parent companies.
49-070. Annual report of financial condition.
49-080. Examination of captive insurers.
49-090. Applicability of Subtitles 2 and 3 to captive insurers.
49-100. Duties of captive insurer -- Investment plan -- Prohibited and permitted limitations on investments -- Applicability of investment requirements and limitations of Subtitle 7.
49-110. Reinsurance on risks ceded by other insurer or captive insurer authorized -- Powers of commissioner.
49-120. Rating organization membership not required.
49-130. Prohibition of contributions made and benefits received -- Exceptions.
49-140. Administrative regulations.
49-150. Exclusivity of KRS 304.49-010 to 304.49-230 to captive insurance companies -- Provisions applicable to industrial insured captive insurer.
49-160. Rehabilitation, liquidation, and dissolution -- Applicability of Subtitle 33.
49-170. Administrative regulations regarding risk management function.
49-180. Conversion or merger of consortium captive insurer or industrial insurer group into reciprocal insurer -- Plan of conversion or merger -- Other conditions.
49-190. Formation of sponsored captive insurer -- Conditions.
49-200. Certification requirements of sponsor of sponsored captive insurer.
49-210. Permissible participants in sponsored captive insurer.
49-220. Tax levied on premium receipts -- Rates -- Exclusivity of premium tax -- Distribution of revenue for administration of KRS 304.49-010 to 304.49-230.
49-222. Duties of captive insurers.
49-224. Minimum standards for special purpose and agency captive insurers to be set by administrative regulations.
49-226. Change that materially impacts financial condition or management -- Notification to and approval of commissioner to take material action -- Loans to parent company or affiliates.
49-228. Establishment of protected cells by sponsored captive insurer -- Conditions.
49-230. KRS 304.49-010 to 304.49-230 not applicable to foreign captive insurer in Kentucky before July 14, 2000 -- Exception.
Subtitle 50. Workers' Compensation Self-Insured Groups
50-005. Purpose of subtitle.
50-010. Qualification as workers' compensation self-insured group -- Power to contract, sue, and be sued -- Commissioner to promulgate administrative regulations -- Governor may assign regulatory authority -- Limitation on application of KRS Chapter 304.
50-015. Definitions for subtitle.
50-020. Scope of subtitle -- Deadline for compliance -- Extensions.
50-025. Certification by commissioner required to issue binder or certificate of insurance for workers' compensation coverage -- Certificates of filing issued by Department of Workers' Claims remain in effect unless revoked or suspended.
50-030. Application for certification -- Filing fee -- Contents -- Premiums -- Deadline.
50-035. Certificate of filing of self-insured group -- Conditions for issuance.
50-040. Termination, suspension, or revocation of certificate -- Merger of workers' compensation self-insured groups.
50-045. Initial and continuing financial solvency requirements.
50-050. Security deposits -- Dividends on and exchange of assets -- Collection by commissioner -- Release -- Commissioner to approve custodian bank or trust company for security deposits -- Qualifications for approval.
50-055. Plans for premium payment, assessments, and dividends -- Approval by commissioner -- Investments -- Financing of payments by governmental entities.
50-060. Annual reports -- Organizational documents -- Proof of excess insurance coverage -- Statement of financial condition.
50-065. Notification of change in information.
50-070. Agent of workers' compensation self-insured group -- License required -- Appointment of agent optional.
50-075. Examination of financial condition, affairs, and management by commissioner.
50-080. Appointment of Secretary of State as attorney to receive legal process.
50-085. Operation of group by board of trustees -- Powers and duties -- Prohibited acts -- Power to contract, sue, and be sued -- Contracts for administration of group.
50-090. Membership -- Indemnity agreement -- Expulsion, nonrenewal, or cancellation of member by group -- Voluntary withdrawal -- Liability on termination of membership, insolvency, or bankruptcy.
50-095. Eligibility for membership.
50-100. Dissolution of self-insured program -- Approval of plan by commissioner.
50-105. Conflict-of-interest policy.
50-110. Statement of financial condition -- Contents.
50-115. Filing of rates, supplementary rating information, and coverage forms -- Grounds for disapproval -- Filing fee -- Public inspection of filings.
50-120. Aggregate excess insurance -- Standards for waiver and exemption -- Administrative regulations -- Eligibility to write excess liability coverage for group.
50-125. Discounting authorized -- Requirements -- Approval by commissioner.
50-130. Members to receive evidences of coverage -- Contents.
50-135. Procedure upon decrease in fund balance below minimum -- Failure to remedy deficit -- Delinquency proceedings -- Bulk reinsurance.
50-140. Suspension or revocation of certificate of filing -- Civil penalty -- Hearing and appeal -- Notification requirements and exceptions.
50-145. Actions not required by subtitle or administrative regulations.
50-150. Unfair business practices prohibited -- Responses to inquiries from commissioner within 15 days.
50-155. Statutes applicable to group self-insurance funds.
50-160. Annual report of commissioner.
Subtitle 51. Interstate Insurance Products.
51-010. Interstate Insurance Product Regulation Compact.
Subtitle 99. Penalties
99-010. General penalties.
99-015. Penalties for failure of commissioner or examiner to take action when having knowledge of statutory insolvency or hazardous financial condition of authorized insurer.
99-020. Civil penalties.
99-025. Penalty.
99-030. Repealed, 2004. [Repealed]
99-040. Repealed, 1986. [Repealed]
99-050. Repealed, 1978. [Repealed]
99-060. Penalties for violation of Subtitle 39 -- Reduction of penalty.
99-070. Penalties for violation of KRS 304.32-300 and 304.32-320.
99-080. Penalty for violation of Subtitle 20.
99-082. Penalty for violation of KRS 304.20-100.
99-085. Penalties for violation of KRS 304.10-050, 304.10-170, and 304.10-180(1)(a).
99-090. Penalties for violation of Subtitle 6.
99-100. Renewal or reissuance of licenses contingent on payment of penalty equal to biennial fee specified in Subtitle 4.
99-110. Penalty for violation of Subtitle 12.
99-112. Penalty for violation of KRS 304.12-275.
99-115. Penalty for violation of KRS 304.12-013.
99-120. Penalties for violation of Subtitle 13.
99-121. Penalty for violation of Subtitle 14.
99-123. Penalties for noncompliance with KRS 304.17A-700 to 304.17A-730 and KRS 205.593, 304.14-135, and 304.99-123.
99-125. Penalty for violation of KRS 304.14-135.
99-126. Licensee's duties following suspension or revocation of license -- Civil fines -- Referral to Division of Insurance Fraud Investigation.
99-130. Penalties for violation of Subtitle 29.
99-140. Penalties for violation of Subtitle 30.
99-150. Penalties.
99-151. Penalties for violation of KRS 304.37-130(5) and 304.37-120.
99-152. Penalties for violation of various provisions of Subtitle 37.
99-154. Reinstatement of certificate of authority -- Fine.