304.17-310 Family expense health insurance.
(1)
(2)
(3)
Family expense health insurance is that provided under a policy issued to one (1) of
the family members insured, who shall be deemed the policyholder, covering any
two (2) or more eligible members of a 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. Any authorized health insurer may issue the insurance.
An individual hospital or medical expense insurance policy or hospital or medical
service plan contract delivered or issued for delivery in this state more than 120
days after June 13, 1968, which provides that coverage of a dependent child shall
terminate upon attainment of the limiting age for dependent children specified in the
policy or contract shall also provide in substance that attainment of the limiting age
shall not operate to terminate the coverage of the child while the child is and
continues to be both (a) incapable of self-sustaining employment by reason of an
intellectual or physical disability and (b) chiefly dependent upon the policyholder or
subscriber for support and maintenance, provided proof of the incapacity and
dependency is furnished to the insurer or corporation by the policyholder or
subscriber within thirty-one (31) days of the child's attainment of the limiting age
and subsequently as may be required by the insurer or corporation but not more
frequently than annually after the two (2) year period following the child's
attainment of the limiting age.
Insurers offering family expense health insurance shall offer the applicant the option
to purchase coverage for unmarried dependent children until age twenty-five (25).
Effective: July 15, 2010
History: Amended 2010 Ky. Acts ch. 141, sec. 27, effective July 15, 2010. -- Amended
2008 Ky. Acts ch. 169, sec. 9, effective July 15, 2008. -- Amended 1998 Ky. Acts
ch. 483, sec. 21, effective July 15, 1998. -- Amended 1994 Ky. Acts ch. 405, sec. 82,
effective July 15, 1994. -- Created 1970 Ky. Acts ch. 301, subtit. 17, sec. 31,
effective June 18, 1970.
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