304.17-030 Scope and format of policy.
No policy of health insurance shall be delivered or issued for delivery to any person in
this state unless it otherwise complies with this title, and complies with the following:
(1) The entire money and other considerations therefor shall be expressed therein;
(2) The time when the insurance takes effect and terminates shall be expressed therein;
(3) It shall purport to insure only one (1) person, except that a policy may insure,
originally or by subsequent amendment, upon the application of an adult member of
a family, who shall be deemed the policyholder, any two (2) or more eligible
members of that family, including husband, wife, unmarried dependent children to
age nineteen (19), unmarried children from nineteen (19) to twenty-five (25) years
of age who are full-time students enrolled in and attending an accredited
educational institution and who are primarily dependent on the policyholder for
maintenance and support, and any other person dependent upon the policyholder as
provided pursuant to KRS 304.17-310;
(4) The style, arrangement, and overall appearance of the policy shall give no undue
prominence to any portion of the text, and every printed portion of the text of the
policy and of any indorsements or attached papers shall be plainly printed in lightfaced type of a style in general use, the size of which shall be uniform and not less
than ten (10) point with a lower case unspaced alphabet length not less than one
hundred and twenty (120) point (the "text" shall include all printed matter except
the name and address of the insurer, name on title of the policy, the brief
description, if any, and captions and subcaptions);
(5) The exceptions and reductions of indemnity shall be set forth in the policy and other
than those contained in KRS 304.17-050 to 304.17-290, inclusive, shall be printed,
at the insurer's option, either included with the benefit provision to which they
apply, or under an appropriate caption such as "Exceptions," or "Exceptions and
Reductions," except that if an exception or reduction specifically applies only to a
particular benefit of the policy, a statement of the exception or reduction shall be
included with the benefit provision to which it applies;
(6) Each form, including riders and indorsements, shall be identified by a form number
in the lower left-hand corner of the first page thereof; and
(7) The policy shall contain no provision purporting to make any portion of the charter,
rules, constitution, or bylaws of the insurer a part of the policy unless the portion is
set forth in full in the policy, except in the case of the incorporation of, or reference
to, a statement of rates or classification of risks, or short-rate table filed with the
commissioner.
Effective: July 15, 2010
History: Amended 2010 Ky. Acts ch. 24, sec. 1201, effective July 15, 2010. -Amended 1998 Ky. Acts ch. 483, sec. 18, effective July 15, 1998. -- Created 1970
Ky. Acts ch. 301, subtit. 17, sec. 3, effective June 18, 1970.
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