Kentucky Revised Statutes (Last Updated: May 10, 2014) |
TITLE XXV. BUSINESS AND FINANCIAL INSTITUTIONS |
CHAPTER 304. INSURANCE CODE |
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. |