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.