Kentucky Revised Statutes
Includes enactments through the 2025 Regular Session
Chapter titles, centered headings, section catchlines, and explanatory notes are for informational purposes only and do not constitute any part of the law. For general laws governing construction of statutes, see KRS Chapter 446.
The KRS database was last updated on 09/13/2025
.001 Repealed, 1970.
.002 Repealed, 1970.
.003 Repealed, 1970.
.004 Repealed, 1970.
.005 Repealed, 1970.
.006 Repealed, 1970.
.007 Repealed, 1970.
.008 Repealed, 1970.
.009 Repealed, 1970.
.010 Repealed, 1970.
.013 Repealed, 1970.
.016 Repealed, 1970.
.018 Repealed, 1970.
.020 Repealed, 1970.
.021 Repealed, 1970.
.022 Repealed, 1970.
.023 Repealed, 1970.
.024 Repealed, 1970.
.025 Repealed, 1970.
.027 Repealed, 1970.
.030 Repealed, 1970.
.031 Repealed, 1970.
.033 Repealed, 1970.
.034 Repealed, 1970.
.035 Repealed, 1970.
.036 Repealed, 1970.
.037 Repealed, 1970.
.038 Repealed, 1970.
.039 Repealed, 1970.
.042 Repealed, 1970.
.044 Repealed, 1970.
.046 Repealed, 1970.
.048 Repealed, 1970.
.050 Repealed, 1970.
.052 Repealed, 1970.
.060 Repealed, 1970.
.061 Repealed, 1970 .
.063 Repealed, 1970.
.065 Repealed, 1970.
.067 Repealed, 1970.
.069 Repealed, 1970.
.071 Repealed, 1966.
.072 Repealed, 1970.
.073 Repealed, 1966.
.074 Repealed, 1970.
.075 Repealed, 1966.
.076 Repealed, 1970.
.077 Repealed, 1970.
.078 Repealed, 1970.
.080 Repealed, 1970.
.082 Repealed, 1970.
.083 Repealed, 1970.
.085 Repealed, 1970.
.087 Repealed, 1970.
.089 Repealed, 1970.
.091 Repealed, 1970.
.093 Repealed, 1970.
.094 Repealed, 1970.
.095 Repealed, 1970.
.097 Repealed, 1970
.099 Repealed, 1970.
.101 Repealed, 1962.
.103 Repealed, 1970.
.105 Repealed, 1970.
.110 Repealed, 1970.
.115 Repealed, 1970.
.120 Repealed, 1970.
.121 Repealed, 1970.
.123 Repealed, 1970.
.125 Repealed, 1970.
.127 Repealed, 1970.
.128 Repealed, 1970
.129 Repealed, 1970.
.132 Repealed, 1970.
.134 Repealed, 1970.
.136 Repealed, 1970.
.138 Repealed, 1970.
.139 Repealed, 1962.
.140 Repealed, 1970.
.144 Repealed, 1970.
.145 Repealed, 1970.
.146 Repealed, 1970.
.147 Repealed, 1970.
.148 Repealed, 1970.
.150 Repealed, 1970.
.151 Repealed, 1970.
.154 Repealed, 1970.
.155 Repealed, 1970.
.157 Repealed, 1970.
.159 Repealed, 1970.
.160 Repealed, 1970.
.162 Repealed, 1970.
.165 Repealed, 1970.
.167 Repealed, 1970.
.168 Repealed, 1970.
.169 Repealed, 1970.
.170 Repealed, 1970.
.171 Repealed, 1970.
.172 Repealed, 1970.
.173 Repealed, 1970.
.174 Repealed, 1970.
.178 Repealed, 1970.
.179 Repealed, 1970.
.180 Repealed, 1970.
.181 Repealed, 1970.
.182 Repealed, 1970.
.183 Repealed, 1970.
.184 Repealed, 1970.
.185 Repealed, 1970.
.186 Repealed, 1970.
.188 Repealed, 1970.
.189 Repealed, 1970.
.191 Repealed, 1970.
.192 Repealed, 1970.
.193 Repealed, 1970.
.194 Repealed, 1970.
.280 Repealed, 1970.
.281 Repealed, 1970.
.282 Repealed, 1970.
.283 Repealed, 1970.
.284 Repealed, 1970.
.285 Repealed, 1970.
.286 Repealed, 1970.
.288 Repealed, 1970.
.289 Repealed, 1970.
.290 Repealed, 1970.
.291 Repealed, 1970.
.292 Repealed, 1970.
.294 Repealed, 1970.
.296 Repealed, 1970.
.297 Repealed, 1970.
.298 Repealed, 1970.
.299 Repealed, 1970.
.301 Repealed, 1970.
.302 Repealed, 1970.
.303 Repealed, 1970.
.304 Repealed, 1970.
.305 Repealed, 1970.
.306 Repealed, 1970.
.307 Repealed, 1970.
.308 Repealed, 1970.
.310 Repealed, 1970.
.311 Repealed, 1970.
.315 Repealed, 1970.
.316 Repealed, 1970.
.317 Repealed, 1970.
.318 Repealed, 1970.
.319 Repealed, 1970.
.340 Repealed, 1970.
.342 Repealed, 1970.
.344 Repealed, 1970.
.347 Repealed, 1970.
.348 Repealed, 1970.
.350 Repealed, 1970.
.352 Repealed, 1970.
.354 Repealed, 1970.
.356 Repealed, 1970.
.365 Repealed, 1970.
.366 Repealed, 1970.
.367 Repealed, 1970.
.369 Repealed, 1970.
.370 Repealed, 1970.
.371 Repealed, 1970.
.372 Repealed, 1970.
.373 Repealed, 1970.
.375 Repealed, 1970.
.376 Repealed, 1970.
.378 Repealed, 1970.
.379 Repealed, 1970.
.380 Repealed, 1970.
.381 Repealed, 1970.
.383 Repealed, 1970.
.385 Repealed, 1970.
.387 Repealed, 1970.
.388 Repealed, 1970.
.389 Repealed, 1970.
.390 Repealed, 1970.
.400 Repealed, 1970.
.401 Repealed, 1970.
.402 Repealed, 1970.
.403 Repealed, 1970.
.404 Repealed, 1970.
.405 Repealed, 1970.
.406 Repealed, 1970.
.407 Repealed, 1970.
.408 Repealed, 1970.
.411 Repealed, 1970.
.412 Repealed, 1970.
.413 Repealed, 1970.
.415 Repealed, 1970.
.417 Repealed, 1970.
.418 Repealed, 1970.
.419 Repealed, 1970.
.420 Repealed, 1970.
.421 Repealed, 1970.
.422 Repealed, 1970.
.423 Repealed, 1970.
.424 Repealed, 1970.
.425 Repealed, 1970.
.426 Repealed, 1970.
.428 Repealed, 1970.
.429 Repealed, 1970.
.430 Repealed, 1970.
.431 Repealed, 1970.
.432 Repealed, 1970.
.433 Repealed, 1970.
.434 Repealed, 1970.
.435 Repealed, 1970.
.437 Repealed, 1970.
.438 Repealed, 1970.
.441 Repealed, 1970.
.444 Repealed, 1970.
.445 Repealed, 1970.
.446 Repealed, 1970.
.447 Repealed, 1970.
.448 Repealed, 1970.
.449 Repealed, 1970.
.450 Repealed, 1970.
.453 Repealed, 1970.
.454 Repealed, 1970.
.460 Repealed, 1970.
.463 Repealed, 1970.
.465 Repealed, 1970.
.467 Repealed, 1970.
.475 Repealed, 1970.
.476 Repealed, 1970.
.477 Repealed, 1970.
.478 Repealed, 1970.
.479 Repealed, 1970.
.484 Repealed, 1970.
.485 Repealed, 1970.
.487 Repealed, 1970.
.489 Repealed, 1970.
.490 Repealed, 1970.
.492 Repealed, 1970.
.493 Repealed, 1970.
.494 Repealed, 1970.
.495 Repealed, 1970.
.497 Repealed, 1970.
.499 Repealed, 1970.
.501 Repealed, 1970.
.503 Repealed, 1970.
.504 Repealed, 1970.
.510 Repealed, 1970.
.511 Repealed, 1970.
.512 Repealed, 1970.
.513 Repealed, 1970.
.514 Repealed, 1970.
.515 Repealed, 1970.
.516 Repealed, 1970.
.517 Repealed, 1970.
.518 Repealed, 1970.
.519 Repealed, 1970.
.520 Repealed, 1970.
.521 Repealed, 1970.
.522 Repealed, 1970.
.523 Repealed, 1970.
.524 Repealed, 1970.
.525 Repealed, 1970.
.526 Repealed, 1970.
.527 Repealed, 1970.
.528 Repealed, 1970.
.529 Repealed, 1970.
.530 Repealed, 1970.
.534 Repealed, 1970.
.535 Repealed, 1970.
.536 Repealed, 1970.
.537 Repealed, 1970.
.538 Repealed, 1970.
.540 Repealed, 1970.
.541 Repealed, 1970.
.542 Repealed, 1970.
.545 Repealed, 1970.
.546 Repealed, 1970.
.547 Repealed, 1970.
.548 Repealed, 1970.
.549 Repealed, 1970.
.550 Repealed, 1970.
.551 Repealed, 1970.
.552 Repealed, 1970.
.554 Repealed, 1970.
.556 Repealed, 1970.
.557 Repealed, 1970.
.558 Repealed, 1970.
.559 Repealed, 1970.
.560 Repealed, 1970.
.563 Repealed, 1970.
.564 Repealed, 1970.
.565 Repealed, 1970.
.566 Repealed, 1970.
.567 Repealed, 1970.
.568 Repealed, 1970.
.569 Repealed, 1970.
.570 Repealed, 1970.
.571 Repealed, 1970.
.572 Repealed, 1970.
.573 Repealed, 1970.
.574 Repealed, 1970.
.576 Repealed, 1970.
.577 Repealed, 1970.
.578 Repealed, 1970.
.579 Repealed, 1990.
.580 Repealed, 1968.
.581 Repealed, 1970.
.582 Repealed, 1968.
.583 Repealed, 1968.
.584 Repealed, 1968.
.585 Repealed, 1970.
.586 Repealed, 1970.
.587 Repealed, 1970.
.588 Repealed, 1970.
.589 Repealed, 1970.
.590 Repealed, 1970.
.591 Repealed, 1970.
.592 Repealed, 1970.
.593 Repealed, 1970.
.595 Repealed, 1970.
.596 Repealed, 1970.
.597 Repealed, 1968.
.598 Repealed, 1970.
.600 Repealed, 1970.
.601 Repealed, 1970.
.602 Repealed, 1970.
.603 Repealed, 1970.
.604 Repealed, 1970.
.605 Repealed, 1970.
.606 Repealed, 1970.
.607 Repealed, 1970.
.608 Repealed, 1970.
.609 Repealed, 1970.
.610 Repealed, 1970.
.611 Repealed, 1970.
.612 Repealed, 1970.
.614 Repealed, 1970.
.616 Repealed, 1970.
.617 Repealed, 1970.
.625 Repealed, 1970.
.626 Repealed, 1970.
.627 Repealed, 1970.
.628 Repealed, 1970.
.630 Repealed, 1970.
.631 Repealed, 1970.
.633 Repealed, 1970.
.634 Repealed, 1970.
.636 Repealed, 1970.
.637 Repealed, 1970.
.638 Repealed, 1970.
.639 Repealed, 1970.
.641 Repealed, 1970.
.642 Repealed, 1970.
.643 Repealed, 1970.
.644 Repealed, 1970.
.648 Repealed, 1970.
.649 Repealed, 1970.
.650 Repealed, 1970.
.651 Repealed, 1970.
.652 Repealed, 1970.
.653 Repealed, 1970.
.654 Repealed, 1970.
.655 Repealed, 1970.
.656 Repealed, 1970.
.657 Repealed, 1970.
.658 Repealed, 1970.
.660 Repealed, 1970.
.661 Repealed, 1970.
.662 Repealed, 1970.
.663 Repealed, 1970.
.666 Repealed, 1970.
.667 Repealed, 1970.
.669 Repealed, 1970.
.671 Repealed, 1970.
.672 Repealed, 1970.
.673 Repealed, 1970.
.674 Repealed, 1970.
.677 Repealed, 1970.
.679 Repealed, 1970.
.682 Repealed, 1970.
.683 Repealed, 1970.
.684 Repealed, 1970.
.685 Repealed, 1970.
.687 Repealed, 1970.
.688 Repealed, 1970.
.689 Repealed, 1970.
.690 Repealed, 1970.
.691 Repealed, 1970.
.692 Repealed, 1970.
.693 Repealed, 1970.
.695 Repealed, 1970.
.697 Repealed, 1970.
.698 Repealed, 1970.
.701 Repealed, 1970.
.702 Repealed, 1970.
.707 Repealed, 1970.
.708 Repealed, 1970.
.709 Repealed, 1970.
.712 Repealed, 1970.
.713 Repealed, 1954.
.714 Repealed, 1970.
.715 Repealed, 1970.
.716 Repealed, 1970.
.717 Repealed, 1970.
.718 Repealed, 1970.
.719 Repealed, 1970.
.720 Repealed, 1970.
.721 Repealed, 1970.
.722 Repealed, 1970.
.723 Repealed, 1970.
.724 Repealed, 1970.
.725 Repealed, 1970.
.726 Repealed, 1954.
.727 Repealed, 1954.
.728 Repealed, 1954.
.729 Repealed, 1954.
.730 Repealed, 1970.
.731 Repealed, 1970.
.732 Repealed, 1970.
.733 Repealed, 1970.
.734 Repealed, 1970.
.735 Repealed, 1970.
.736 Repealed, 1970.
.737 Repealed, 1970.
.738 Repealed, 1970.
.739 Repealed, 1970.
.740 Repealed, 1970.
.741 Repealed, 1970.
.742 Repealed, 1954.
.743 Repealed, 1954.
.744 Repealed, 1970.
.745 Repealed, 1970.
.746 Repealed, 1970.
.747 Repealed, 1970.
.748 Repealed, 1970.
.749 Repealed, 1970.
.760 Repealed, 1970.
.761 Repealed, 1970.
.765 Repealed, 1970.
.767 Repealed, 1970.
.768 Repealed, 1970.
.769 Repealed, 1970.
.770 Repealed, 1970.
.771 Repealed, 1970.
.775 Repealed, 1970.
.778 Repealed, 1970.
.779 Repealed, 1970.
.786 Repealed, 1970.
.787 Repealed, 1970.
.788 Repealed, 1970.
.789 Repealed, 1970.
.790 Repealed, 1970.
.791 Repealed, 1970.
.792 Repealed, 1970.
.793 Repealed, 1970.
.796 Repealed, 1970.
.797 Repealed, 1970.
.798 Repealed, 1970.
.799 Repealed, 1970.
.801 Repealed, 1970.
.802 Repealed, 1970.
.803 Repealed, 1970.
.804 Repealed, 1970.
.805 Repealed, 1970.
.806 Repealed, 1970.
.808 Repealed, 1970.
.811 Repealed, 1970.
.812 Repealed, 1970.
.813 Repealed, 1970.
.817 Repealed, 1970.
.818 Repealed, 1970.
.820 Repealed, 1970.
.823 Repealed, 1970.
.825 Repealed, 1970.
.828 Repealed, 1970.
.832 Repealed, 1970.
.833 Repealed, 1970.
.834 Repealed, 1970.
.835 Repealed, 1970.
.836 Repealed, 1970.
.837 Repealed, 1970.
.838 Repealed, 1970.
.839 Repealed, 1970.
.841 Repealed, 1970.
.842 Repealed, 1970.
.843 Repealed, 1970.
.844 Repealed, 1970.
.845 Repealed, 1970.
.846 Repealed, 1970.
.848 Repealed, 1970.
.849 Repealed, 1970.
.850 Repealed, 1970.
.851 Repealed, 1970.
.852 Repealed, 1970.
.853 Repealed, 1970.
.854 Repealed, 1970.
.855 Repealed, 1970.
.856 Repealed, 1970.
.857 Repealed, 1970.
.858 Repealed, 1970.
.859 Repealed, 1970.
.865 Repealed, 1970.
.866 Repealed, 1970.
.871 Repealed, 1970.
.872 Repealed, 1970.
.873 Repealed, 1970.
.874 Repealed, 1970.
.875 Repealed, 1970.
.876 Repealed, 1970.
.877 Repealed, 1970.
.878 Repealed, 1970.
.879 Repealed, 1970.
.880 Repealed, 1970.
.881 Repealed, 1970.
.882 Repealed, 1970.
.883 Repealed, 1970.
.884 Repealed, 1970.
.885 Repealed, 1970.
.886 Repealed, 1970.
.890 Repealed, 1970.
.892 Repealed, 1970.
.893 Repealed, 1970.
.894 Repealed, 1970.
.895 Repealed, 1970.
.905 Repealed, 1970.
.906 Repealed, 1970.
.907 Repealed, 1970.
.911 Repealed, 1970.
.913 Repealed, 1970.
.914 Repealed, 1970.
.915 Repealed, 1970.
.916 Repealed, 1970.
.918 Repealed, 1970.
.920 Repealed, 1970.
.921 Repealed, 1970.
.922 Repealed, 1970.
.923 Repealed, 1970.
.924 Repealed, 1970.
.925 Repealed, 1970.
.926 Repealed, 1970.
.927 Repealed, 1970.
.928 Repealed, 1970.
.929 Repealed, 1970.
.930 Repealed, 1970.
.931 Repealed, 1970.
.932 Repealed, 1970.
.933 Repealed, 1970.
.934 Repealed, 1970.
.935 Repealed, 1970.
.937 Repealed, 1970.
.939 Repealed, 1970.
.942 Repealed, 1970.
.943 Repealed, 1970.
.944 Repealed, 1970.
.945 Repealed, 1970.
.951 Repealed, 1970.
.952 Repealed, 1970.
.953 Repealed, 1970.
.954 Repealed, 1970.
.955 Repealed, 1970.
.956 Repealed, 1970.
.957 Repealed, 1970.
.959 Repealed, 1970.
.960 Repealed, 1970.
.961 Repealed, 1970.
.962 Repealed, 1970.
.963 Repealed, 1970.
.964 Repealed, 1970.
.965 Repealed, 1970.
.966 Repealed, 1970.
.968 Repealed, 1970.
.969 Repealed, 1970.
.970 Repealed, 1970.
.972 Repealed, 1970.
.973 Repealed, 1970.
.974 Repealed, 1970.
.975 Repealed, 1970.
.976 Repealed, 1970.
.977 Repealed, 1970.
.978 Repealed, 1970.
.979 Repealed, 1970.
.980 Repealed, 1970.
.981 Repealed, 1970.
.982 Repealed, 1970.
.983 Repealed, 1970.
.984 Repealed, 1970.
.985 Repealed, 1970.
.986 Repealed, 1970.
.990 Repealed, 1970.
.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.
.2-010 Department of Insurance continued.
.2-015 Renumbered as KRS 198B.035.
.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 Ombudsman in Division of Consumer Protection.
.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.
.2-160 Complaints.
.2-165 Complaints regarding insurer -- Other authority of commissioner.
.2-170 Official documents, reproductions, and certified copies -- Use as evidence.
.2-180 Repealed, 1982.
.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 or analysts -- 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.
.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.
.2-390 Repealed, 1986.
.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.
.2-450 Strengthen Kentucky Homes Program -- Purpose -- Fund -- Administrative regulations.
.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 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.
.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.
.3-235 Corporate Governance Annual Disclosure -- Submission to department or lead state regulator -- Required information and support -- Annual filing of amended version -- Confidentiality -- Use and sharing of filings and information -- Parties retained to assist commissioner.
.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.
.3-250 Repealed, 1998.
.3-260 Repealed, 1998.
.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.
.3-315 Repealed, 1992.
.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.
.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.
.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.
.3-600 Definitions for KRS 304.3-600 to 304.3-635 and 304.99-055.
.3-605 Application of KRS 304.3-600 to 304.3-635 and 304.99-055.
.3-610 Maintenance of risk management framework.
.3-615 Regular Own Risk and Solvency Assessments required -- Exception -- Frequency.
.3-620 Own Risk and Solvency Assessment Summary Report or combination of reports -- When required -- Contents -- Signature.
.3-625 Exemption from requirements of KRS 304.3-600 to 304.3-635 and 304.99-055 -- Conditions.
.3-630 Reporting to comply with ORSA Guidance Manual.
.3-635 ORSA Summary Report and other information confidential, privileged, and exempt from Open Records Act and private civil action subpoena, discovery, and testimony -- Powers of commissioner.
.3-700 Definitions for KRS 304.3-700 to 304.3-735.
.3-705 Application for admission to regulatory sandbox -- Disclosure and stability requirements -- Disqualifying factors -- Participation in regulatory sandbox under KRS 15.268.
.3-710 Director of insurance innovation -- Review of applications -- Notice of acceptance or rejection -- Hearing.
.3-715 Limited no-action letter -- Safe harbor of limited letter -- Publication of limited letter on department's Web site.
.3-720 One-year period for beta test -- Extension by commissioner -- Terms and conditions -- Early termination -- Cease and desist order -- Appeal.
.3-725 Completion and review of beta test -- Issuance of extended no-action letter or notice declining to issue extended letter -- Safe harbor of extended letter -- Use of innovation and conduct permitted -- Hearing -- Publication of extended letter on department's Web site.
.3-730 Confidentiality of financial information -- Permissible disclosures in extended no-action letter.
.3-735 Annual report.
.3-750 Definitions for KRS 304.3-750 to 304.3-768.
.3-752 Exemption qualifications.
.3-754 Applicability.
.3-756 Written information security program -- Requirements -- Assessments -- Written incident response plan -- Annual certification to commissioner.
.3-758 Cybersecurity event investigation.
.3-760 Notification to commissioner of cybersecurity event -- Procedures.
.3-762 Powers of commissioner.
.3-764 Documents, materials, and other information -- Confidentiality -- Releases.
.3-766 Compliance requirements.
.3-768 Penalties.
.4-010 Fees to be prescribed by administrative regulation -- Time prescribed if fees remitted by electronic submission.
.4-015 Repealed, 2000.
.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.
.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 "Marine and transportation insurance" and "wet marine and transportation 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 Credit for reinsurance allowed to ceding insurer -- Assuming insurer doing business in Kentucky and other states -- Trust for payment of claims -- Credit allowed when assuming insurer is certified and secures obligations -- Criteria for allowing credit to assuming insurer in reciprocal jurisdiction -- Qualified jurisdictions -- Credit allowed when assuming insurer does not meet requirements -- Trust agreements -- Suspension and revocation -- Management of recoverables -- Deferred posting of security -- Credit allowed as asset or deduction from liability -- Administrative regulations.
.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.
.5-165 "Disability income insurance" defined.
.5-170 "Paid family leave insurance" defined.
.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 -- Application -- Exceptions -- Annual valuation.
.6-131 Definitions for KRS 304.6-130 to 304.6-180.
.6-132 Treatment of confidential information.
.6-133 Submission of required data -- Effective date of changes.
.6-134 Exemption of specific product forms or product lines.
.6-140 Minimum standards.
.6-141 Accident and health insurance contracts issued on or after the operative date of the valuation manual -- Application of KRS 304.6-130(2) minimum standard of valuation.
.6-143 Policies issued on or after the operative date of the valuation manual -- Application of KRS 304.6-130(2) minimum standard of valuation.
.6-145 Minimum standards -- Operative dates.
.6-150 Commissioners reserve valuation method defined.
.6-151 Principle-based valuation -- Required actions.
.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 -- Opinions to be submitted annually -- Form and substance of opinions -- Administrative regulations.
.6-180 Deficiency reserve -- Recognition of premium deficiency reserve.
.6-190 Appraisals for mortgage loans.
.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.
.7-030 Repealed, 2000.
.7-040 Repealed, 2000.
.7-050 Repealed, 2000.
.7-060 Repealed, 2000.
.7-070 Repealed, 2000.
.7-080 Repealed, 2000.
.7-085 Repealed, 2000.
.7-090 Repealed, 2000.
.7-100 Repealed, 2000.
.7-110 Repealed, 2000.
.7-120 Repealed, 2000.
.7-130 Repealed, 2000.
.7-140 Repealed, 2000.
.7-145 Repealed, 2000.
.7-150 Repealed, 2000.
.7-160 Repealed, 2000.
.7-170 Repealed, 2000.
.7-180 Repealed, 2000.
.7-190 Repealed, 2000.
.7-200 Repealed, 2000.
.7-205 Repealed, 2000.
.7-210 Repealed, 2000.
.7-220 Repealed, 2000.
.7-230 Repealed, 2000.
.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.
.7-263 Venture capital funds or pools.
.7-265 Repealed, 2000.
.7-270 Repealed, 2000.
.7-280 Conversion and incidental rights.
.7-290 Repealed, 2000.
.7-300 Repealed, 2000.
.7-310 Repealed, 2000.
.7-320 Protective agreements and reorganization securities.
.7-330 Investments of foreign insurers.
.7-340 Repealed, 2000.
.7-350 Valuation of assets.
.7-360 Definitions -- Deposits allowed -- Commingling of certain securities -- Records -- Administrative 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.
.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.
.8-070 Repealed, 2004.
.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.
.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.
.9-051 Definitions for KRS 304.9-052 and 304.9-371 to 304.9-377.
.9-052 Administrator -- License requirements -- Service of process.
.9-053 Licensure of pharmacy benefit managers.
.9-054 Pharmacy benefit manager license application review and license issuance -- Disciplinary actions concerning license -- Administrative regulations -- Fees.
.9-055 Pharmacy benefit managers subject to specified subtitles of KRS Chapter 304 -- Administrative regulations.
.9-060 Repealed, 2000.
.9-070 Repealed, 2010.
.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.
.9-120 Licensure of residents as agents -- Exception to residency requirement.
.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.
.9-140 Licensure of nonresidents as agents.
.9-142 Repealed, 2002.
.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.
.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, 1982.
.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.
.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, 1984.
.9-421 Sharing of commissions.
.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 -- Requirements -- Contents -- Duties of public adjuster.
.9-4331 Insured's rights -- Written notice requirement -- Duties of public adjuster.
.9-4332 Requirements for funds received or held by public adjuster.
.9-4333 Fees and commissions for public adjuster.
.9-434 Repealed, 2000.
.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.
.9-460 Repealed, 2019.
.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 Repealed, 2021.
.9-480 Repealed, 2005.
.9-485 Repealed, 2010.
.9-490 Repealed, 2002.
.9-495 Definitions for KRS 304.9-495 to 304.9-497.
.9-496 Operator of self-service storage facility may offer and sell insurance on behalf of a limited lines self-service storage space insurance producer -- Conditions -- Producer is responsible for operator's acts.
.9-497 Required written consumer protection disclosures relating to self-service storage space insurance.
.9-501 Repealed, 2010.
.9-503 Repealed, 2010.
.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.
.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.
.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.
.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.
.10-200 Legal process against surplus lines insurer.
.10-210 Rules and regulations.
.10-400 Repealed, 2018.
.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.
.12-010 Unfair competition -- Unfair, deceptive practices prohibited.
.12-013 Prohibited unfair or deceptive practices in the writing of insurance.
.12-015 Repealed, 1986.
.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.
.12-087 Living Donor Protection Act of 2021.
.12-090 Rebates prohibited.
.12-092 Gifts, sweepstakes, and drawings -- When permitted.
.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.
.12-180 Interlocking ownership, management.
.12-190 Illegal dealing in premiums.
.12-200 Insurer name -- Deceptive use prohibited.
.12-210 Repealed, 1988.
.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.
.12-237 Reimbursement for pharmacist services and procedures.
.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.
.13-010 Repealed, 1982.
.13-011 Definitions for subtitle.
.13-020 Repealed, 1982.
.13-021 Scope of KRS 304.13-011 to 304.13-161.
.13-030 Repealed, 1982.
.13-031 Rate standards in noncompetitive market.
.13-040 Repealed, 1982.
.13-041 Monitoring market competition.
.13-043 Repealed, 2004.
.13-050 Repealed, 1982.
.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.
.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, 1982.
.13-071 Disapproval of rates and rate filings.
.13-075 Exceptions to insurer's use of credit information.
.13-080 Repealed, 1982.
.13-081 Filings open to inspection -- Consumer information system.
.13-090 Repealed, 1982.
.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, 1982.
.13-111 Advisory organization or statistical agent activities prohibited.
.13-120 Repealed, 1982.
.13-121 Authorized activities for advisory organizations.
.13-130 Repealed, 1982.
.13-131 Insurer and advisory organization activities prohibited.
.13-140 Repealed, 1982.
.13-141 Examination of insurers, pools, advisory organizations, statistical agents, form providers, residual market, and joint underwriting organizations.
.13-150 Repealed, 1982.
.13-151 Insurer participation in pools, joint underwriting, joint reinsurance pools, and residual market mechanisms.
.13-160 Repealed, 1982.
.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.
.13-171 Property or casualty insurance policy underwriting fee -- Requirement for prior approval.
.13-180 Repealed, 1982.
.13-190 Repealed, 1982.
.13-200 Repealed, 1982.
.13-210 Repealed, 1982.
.13-220 Repealed, 1982.
.13-230 Repealed, 1982.
.13-240 Repealed, 1982.
.13-250 Repealed, 1982.
.13-260 Repealed, 1982.
.13-270 Repealed, 1982.
.13-280 Repealed, 1982.
.13-290 Repealed, 1982.
.13-300 Repealed, 1982.
.13-310 Repealed, 1982.
.13-320 Penalty for violation.
.13-330 Repealed, 1982.
.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.
.13-342 Property insurance for wind or hail coverage -- Certificate of compliance -- Premium discount or rate reduction -- Administrative regulations.
.13-346 Definitions for section -- Optional rider to be offered to upgrade non-FORTIFIED single-family dwellings.
.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.
.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.
.14-065 Definitions for section -- Insurable interest in shared car in peer-to-peer car sharing program -- Construction.
.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. (Effective January 1, 2026)
.14-250 Assignability -- Rights of insurer, assignee. (Effective until January 1, 2026)
.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.
.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.
.14-500 Definitions for KRS 304.14-510 to 304.14-550.
.14-510 Minimum standards regulations.
.14-520 Claim denial restriction.
.14-525 Restrictions on denying, conditioning, or discriminating in pricing of Medicare supplement policies for applicants who meet requirements relating to age, health conditions, and enrollment.
.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.
.14-560 Consumer's guide to long-term care insurance -- Compilation -- Distribution -- Payment.
.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.
.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.
.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.
.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.
.15-150 Beneficiary, industrial policies.
.15-160 Title.
.15-170 Excluded or restricted coverage.
.15-175 Repealed, 2019.
.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.
.15-311 "Operative date of the valuation manual" defined.
.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.
.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.
.15-726 Life settlement contracts for payments directly to long-term care services providers -- Administrative regulations.
.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.
.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.
.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. (Effective until January 1, 2026)
.17-130 Person to whom indemnity payable. (Effective January 1, 2026)
.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.
.17-182 Special enrollment period for pregnancy.
.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.
.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 for KRS 304.17-313, 304.18-037, 304.32-280, and 304.38-210.
.17-313 Individual health insurers to offer home health care coverage -- Conditions.
.17-314 Repealed, 1992.
.17-315 Policy covering services performed by dentist deemed to cover such services performed by physician.
.17-316 Coverage for mammograms -- Prohibition on cost-sharing requirements for covered diagnostic breast examinations or supplemental breast examinations.
.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.
.17-410 Repealed, 2000.
.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.
.17A-005 Definitions for subtitle.
.17A-008 Application of subtitle.
.17A-010 Repealed, 1998.
.17A-020 Repealed, 1998.
.17A-030 Repealed, 1998.
.17A-040 Repealed, 1998.
.17A-050 Repealed, 1998.
.17A-060 Repealed, 1998.
.17A-070 Repealed, 1998.
.17A-071 Repealed, 2010.
.17A-080 Health Insurance Advisory Council -- Powers -- Duties -- Members -- Expenses and supplies.
.17A-090 Repealed, 1998
.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 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-099 Qualified health plans -- Effect of requirement that state make payments under federal law to defray the cost of application of provision of chapter -- Administrative regulations.
.17A-100 Repealed, 1998.
.17A-110 Repealed, 1998.
.17A-120 Repealed, 1998.
.17A-129 Coverage for stuttering.
.17A-130 Repealed, 1998.
.17A-131 Coverage for cochlear implants.
.17A-132 Coverage for hearing aids.
.17A-133 Coverage for mammograms -- Prohibition on cost-sharing requirements for covered diagnostic breast examinations or supplemental breast examinations.
.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.
.17A-138 Telehealth coverage and reimbursement -- Requirements for health benefit plan -- Reimbursement for rural health clinics, federally qualified health centers, and federally qualified health center look-alikes -- Benefits subject to deductible, copayment, or coinsurance -- Payment subject to provider network arrangements -- Audio-only encounters -- 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 Repealed, 2019.
.17A-142 Coverage for autism spectrum disorders -- Limitations on coverage -- Utilization review -- Reimbursement not required.
.17A-143 Repealed, 2019.
.17A-144 Liaison for autism spectrum disorders treatment benefits.
.17A-145 Maternity coverage to include specified services and 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 -- Cap on cost-sharing requirements for insulin.
.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.
.17A-161 Definitions for KRS 304.17A-161, 304.17A-162, 304.17A-163, and 304.17A-165.
.17A-162 Identification of sources used to calculate drug product reimbursement -- Process to appeal disputes over maximum allowable cost pricing -- Adjustment of maximum allowable cost and drug product reimbursement -- Duties of pharmacy benefit manager.
.17A-163 Definitions for KRS 304.17A-163 and 304.17A-1631 -- Establishment of clinical review criteria -- Override of restrictions on medication sequence in step therapy or fail-first protocol.
.17A-1631 Administrative regulations -- Requirement of annual report to commissioner.
.17A-164 Limitations on insurers and pharmacy benefit managers regarding cost-sharing for prescription drugs -- Exceptions.
.17A-165 Prescription drug coverage to include exceptions or override policy for refills of covered drugs -- Limitations and exclusions -- Program for synchronization of medications.
.17A-166 Prescription eye drops coverage to include refills and additional bottle if conditions met.
.17A-167 Processes and standards for electronic prior authorizations -- Prior authorization of drugs for ongoing medication therapy -- Requirements -- Time span of authorization -- Exemptions.
.17A-168 Coverage for tobacco cessation medications and services.
.17A-170 Definitions for KRS 304.17A-170 and 304.17A-171.
.17A-171 Requirements for health benefit plans that include chiropractic benefits.
.17A-172 Requirements for health benefit plans that include anticancer medications that are injected or intravenously administered by a health care provider and patient-administered anticancer medications.
.17A-173 Reimbursement for services within scope of practice of optometrists -- Terms and conditions.
.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.
.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-235 Notice of proposed material change in health benefit plan's agreement with participating provider.
.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-255 Definition of "cost sharing" and "plan year" -- Payments from specified federal programs on behalf of an insured count toward insured's premium and cost-sharing requirement -- Payments made by any person on behalf of insured permissible -- Exceptions -- Insured's responsibility towards premium payments.
.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. (Effective until January 1, 2026)
.17A-257 Coverage under health benefit plan for colorectal cancer examinations and laboratory tests. (Effective January 1, 2026)
.17A-258 Coverage under health benefit plan for therapeutic food, formulas, supplements, low-protein modified food products, and amino acid-based elemental formula.
.17A-259 Coverage under health benefit plan for genetic test for cancer risk.
.17A-260 Repealed, 2002.
.17A-261 Coverage under health benefit plan for oocyte and sperm preservation services.
.17A-262 Coverage for orchiectomy or orchidectomy as treatment for urological cancers.
.17A-263 Coverage under health benefit plan for biomarker testing.
.17A-264 Coverage under health benefit plan for cancer screening, test, or procedure.
.17A-265 Insurer may not restrict assignment of benefits to substance abuse or mental health facility -- Exceptions -- Requirements for assignment -- Construction.
.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.
.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 Health insurance reporting requirements -- Exemption.
.17A-340 Restrictions on use of Kentucky Children's Health Insurance Program allocated funds.
.17A-350 Repealed, 2002.
.17A-400 Repealed, 2000.
.17A-410 Definitions for KRS 304.17A-400 to 304.17A-480.
.17A-420 Repealed, 2000.
.17A-430 Criteria for program plan -- Alternative underwriting.
.17A-440 Repealed, 2000.
.17A-450 Cost-containment feature requirement for program plans.
.17A-460 Repealed, 2000.
.17A-470 Repealed, 2000.
.17A-480 Repealed, 2000.
.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.
.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-577.
.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 Renumbered as KRS 304.17A-235.
.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.
.17A-591 Definitions for KRS 304.17A-591 to 304.17A-599.
.17A-593 Requirement to provide reasonably adequate and accessible pharmacy networks -- Annual report to commissioner -- Confidential information not subject to disclosure.
.17A-595 Definitions for section -- Requirements for contract for provision of pharmacy services -- Minimum reimbursements -- Administrative regulations.
.17A-597 Prohibition against certain actions of administrator of pharmacy benefits against pharmacy -- Right of pharmacist to provide information about lower cost alternatives to insured.
.17A-599 Commissioner review of alleged violations of KRS 304.17A-593, 304.17A-595, or 304.17A-597.
.17A-600 Definitions for KRS 304.17A-600 to 304.17A-633.
.17A-603 Application of KRS 304.17A-600 to 304.17A-633 -- Written procedures for coverage and utilization review determinations to be accessible on insurers' Web sites -- Preauthorization review requirements for insurers.
.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 -- Prohibition against prospective or concurrent review of prescription drug for alcohol or opioid use disorder.
.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.
.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.
.17A-660 Definitions for KRS 304.17A-660 to 304.17A-669.
.17A-661 Treatment of mental health conditions to be covered under terms or conditions that are no more restrictive than terms or conditions for treatment of physical health conditions -- Parity coverage for nonquantitative treatment limitations and medical necessity criteria.
.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 -- Exemption from KRS 304.17A-660 to 304.17A-669.
.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.
.17A-732 Annual reports on providers prescribing medication for addiction treatment.
.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.
.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.
.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.
.17B-001 Definitions for subtitle.
.17B-003 Establishment of Kentucky Health Care Improvement Authority -- Members and meetings -- Programs and expenditure of funds -- Public hearings -- Annual report to the Governor and the General Assembly -- Liabilities.
.17B-005 Creation of Kentucky Access -- Appointment of division director -- Purpose -- Liabilities.
.17B-007 Duties of the Office of Health Data and Analytics in operation and administration of Kentucky Access.
.17B-009 Powers of the Office of Health Data and Analytics 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 Responsibility of the Office of Health Data and Analytics 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 Office of Health Data and Analytics from state and local taxes.
.17B-029 Duties of the Office of Health Data and Analytics to report to General Assembly -- State Auditor to audit Kentucky Access and report to the Legislative Research Commission and the Office of Health Data and Analytics.
.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.
.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 -- Procedures for changing agreement -- 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 Definitions for section -- Set fees for noncovered services in participating provider agreement prohibited -- Provider charges limited to provider's rate for services and materials -- Contractual discount for covered services -- Reimbursement.
.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.
.17C-120 Prescription eye drops coverage to include refills and additional bottle if conditions met.
.17C-125 Application of specified sections of Subtitle 17A of KRS Chapter 304 to limited health service benefit plans.
.17C-130 Definitions for KRS 304.17C-130 to 304.17C-138.
.17C-132 Definitions for section -- Third party access to provider network contract -- Prohibition against dental carrier contract cancellation.
.17C-134 Conditions for dental benefit plan denial of claims requiring prior authorization.
.17C-136 Definitions for section -- Prohibition against payment method restrictions for dental benefit plan -- Electronic fund transfer payments.
.17C-137 Assignment of benefits under a dental insurance plan -- Procedures -- Revocation -- Construction. (Effective January 1, 2026)
.17C-138 Prohibition of contractual waiver of KRS 304.17C-130 to 304.17C-138.
.18-010 Scope of subtitle -- Short title.
.18-020 "Group health insurance" defined -- Eligible groups and benefits.
.18-023 Repealed, 1996.
.18-025 Repealed, 2000.
.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.
.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.
.18-060 "Blanket health insurance" defined.
.18-070 Filing and required provisions in blanket policies.
.18-080 Application and certificates.
.18-082 Delivery of communications relating to insurance policy, certificate, plan, or contract by electronic means -- Employer consent -- Compliance requirements.
.18-085 Commissioner to prescribe guidelines for coordination of benefits by group health insurance policies.
.18-090 Payment of benefits under blanket health insurance policy or contract. (Effective until January 1, 2026)
.18-090 Payment of benefits under blanket health insurance policy or contract. (Effective January 1, 2026)
.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 -- Prohibition on cost-sharing requirements for covered diagnostic breast examinations or supplemental breast examinations.
.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.
.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.
.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.
.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.
.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.
.20-0411 Insurers prohibited from penalizing motorist uninsured while on active military duty and absent from the Commonwealth -- Penalty for insurer demonstrating willful pattern of noncompliance.
.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 Definitions for section -- Coverage for motor vehicle glass -- Requirement to use specific motor vehicle glass repair shop prohibited.
.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.
.20-105 Definitions for section -- Assignment of duties, rights, or benefits -- Prohibition.
.20-110 Commissioner to promulgate administrative regulation to identify nationally accepted used car valuation guides or tools.
.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.
.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.
.20-400 Repealed, 2021.
.20-410 Discounts for motor vehicles with antitheft devices.
.20-420 Repealed, 2021.
.20-430 Repealed, 2021.
.20-440 Repealed, 2021.
.20-450 Repealed, 2021.
.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.
.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.
.23-010 Contracts subject to general provisions.
.23-020 Eligibility of insurer.
.23-030 Outstanding liability -- Amount.
.23-040 Advertising "insured loans" -- Conditions.
.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.
.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 .
.24-390 Merger -- Consolidation of insurers.
.24-400 Affiliations of stock insurers.
.24-410 Repealed, 2000.
.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.
.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.
.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.
.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.
.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.
.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.
.29-010 Repealed, 1989.
.29-011 Fraternal benefit societies, defined.
.29-015 Repealed, 1989.
.29-020 Repealed, 1989.
.29-021 Lodge system, defined.
.29-030 Repealed, 1989.
.29-031 Representative form of government, defined.
.29-040 Repealed, 1989.
.29-041 Definitions.
.29-050 Repealed, 1989.
.29-051 Purposes and powers.
.29-060 Repealed, 1989.
.29-061 Qualifications for membership.
.29-070 Repealed, 1989.
.29-071 Location of office -- Meetings -- Communications to members -- Grievance procedures.
.29-080 Repealed, 1989.
.29-081 Personal liability.
.29-090 Repealed, 1989.
.29-091 Waiver.
.29-100 Repealed, 1989.
.29-101 Organization.
.29-110 Repealed, 1989.
.29-111 Amendment to laws.
.29-120 Repealed, 1989.
.29-121 Institutions.
.29-130 Repealed, 1989.
.29-131 Reinsurance.
.29-140 Repealed, 1989.
.29-141 Consolidations and mergers.
.29-150 Repealed, 1989.
.29-151 Conversion into mutual life insurance company.
.29-160 Repealed, 1989.
.29-161 Benefits.
.29-170 Repealed, 1989.
.29-171 Beneficiaries.
.29-180 Repealed, 1989.
.29-181 Benefits not attachable.
.29-190 Repealed, 1989.
.29-191 The benefit contract.
.29-200 Repealed, 1989.
.29-201 Nonforfeiture benefits, cash surrender values, certificate loans and other options.
.29-210 Repealed, 1989.
.29-211 Investments.
.29-220 Repealed, 1989.
.29-221 Funds.
.29-230 Repealed, 1989.
.29-231 Exemptions.
.29-240 Repealed, 1989.
.29-241 Taxation.
.29-250 Repealed, 1989.
.29-251 Valuation.
.29-260 Repealed, 1989.
.29-261 Reports.
.29-270 Repealed, 1989.
.29-271 Annual license.
.29-280 Repealed, 1989.
.29-281 Examination of societies.
.29-290 Repealed, 1989.
.29-291 Foreign or alien society -- Admission.
.29-300 Repealed, 1989.
.29-301 Injunction -- Liquidation -- Receivership of domestic society.
.29-310 Repealed, 1989.
.29-311 Suspension, revocation, or refusal of license of foreign or alien society.
.29-320 Repealed, 1989.
.29-321 Injunction.
.29-330 Repealed, 1989.
.29-331 Licensing of agents of fraternal benefit societies.
.29-340 Repealed, 1989.
.29-341 Unfair methods of competition -- Unfair and deceptive acts and practices.
.29-350 Repealed, 1989.
.29-351 Service of process.
.29-360 Repealed, 1989
.29-361 Review.
.29-370 Repealed, 1989.
.29-371 Exemption of certain societies.
.29-380 Repealed, 1989.
.29-390 Repealed, 1989.
.29-400 Repealed, 1989.
.29-410 Repealed, 1989.
.29-420 Repealed, effective January 1, 1989.
.29-430 Repealed, 1989.
.29-440 Repealed, 1989.
.29-450 Repealed, 1989.
.29-455 Repealed, 1989.
.29-460 Repealed, 1982.
.29-470 Repealed, 1989.
.29-480 Repealed, 1989.
.29-490 Repealed, 1989.
.29-500 Repealed, 1989.
.29-510 Repealed, 1989.
.29-520 Repealed, 1989.
.29-530 Repealed, 1989.
.29-540 Repealed, 1989.
.29-550 Repealed, 1989.
.29-560 Repealed, 1989.
.29-565 Assessment.
.29-570 Repealed, 1989.
.29-580 Repealed, 1982.
.29-590 Repealed, 1989.
.29-600 Long-term health care benefits.
.30-010 Application.
.30-020 Definitions.
.30-030 Licenses.
.30-040 Action by commissioner on application.
.30-050 Revocation and suspension of licenses -- Hearings and appeals.
.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.
.31-010 Continued transactions by burial insurance engaging in business on January 1, 1971 -- Conditions.
.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.
.32-110 Certificate of authority -- Renewal date.
.32-120 Certificate of authority -- Extension.
.32-130 Schedule of dues and fees.
.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.
.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 -- Prohibition on cost-sharing requirements for covered diagnostic breast examinations or supplemental breast examinations.
.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.
.32-200 Repealed, 2002.
.32-210 Application of Subtitle 2 to nonprofit hospital, medical-surgical, dental, and health service corporations.
.32-220 Repealed, 2004.
.32-230 Repealed, 2004.
.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.
.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.
.33-010 Title, construction, and purpose.
.33-020 Persons covered.
.33-030 Definitions for subtitle.
.33-040 Jurisdiction and venue.
.33-050 Injunctions and orders.
.33-052 Federal home loan banks -- Rights regarding collateral --Procedures.
.33-055 Rights and requirements of netting agreements and qualified financial contracts.
.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.
.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 -- Exceptions.
.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.
.34-010 Repealed, 2004.
.34-020 Repealed, 2004.
.34-030 Repealed, 2004.
.34-040 Repealed, 2004.
.34-042 Repealed, 2004.
.34-045 Repealed, 2004.
.34-050 Repealed, 2004.
.34-060 Repealed, 2004.
.34-070 Repealed, 2004.
.34-075 Repealed, 2004.
.34-080 Repealed, 2004.
.34-090 Repealed, 2004.
.34-100 Repealed, 2004.
.34-110 Repealed, 2004.
.34-120 Repealed, 2004.
.34-130 Repealed, 2004.
.34-140 Repealed, 2004.
.34-150 Repealed, 1982.
.34-160 Repealed, 2004.
.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.
.35-080 Repealed, 1980.
.35-090 Repealed, 1980.
.35-100 Repealed, 1980.
.35-105 Report of FAIR plan commercial real property policy applicants' names to state fire marshal.
.35-110 Repealed, 1980.
.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.
.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 by commissioner -- Sharing and use of information.
.37-055 Supervisory colleges for certain domestic insurers -- Powers of commission.
.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.
.37-160 Identification of groupwide supervisor for internationally active insurance company -- Commissioner's powers when acting as supervisor -- Cooperation with other regulatory officials -- Agreements and documentation -- Commissioner's expenses.
.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.
.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.
.38-042 Requirements for provider-sponsored integrated health networks to convert to health maintenance organization.
.38-050 Evidence of coverages and charges for health care service -- Exception.
.38-060 Issuance of certificate of authority.
.38-065 Repealed, 2002.
.38-070 Requirements for protection against insolvency -- Risk-based capital requirements -- Requirements for health maintenance organizations.
.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.
.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.
.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.
.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 -- Prohibition on cost-sharing requirements for covered diagnostic breast examinations or supplemental breast examinations.
.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.
.38-240 Solicitation of proposals designating medical necessity criteria for Medicaid managed care organizations -- Administrative regulation.
.38-500 Repealed, 2002.
.38-505 Repealed, 2002.
.38-510 Repealed, 2002.
.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.
.38A-115 Requirement for limited health service organizations to comply with specified sections of Subtitle 17A of KRS Chapter 304.
.38A-120 Repealed, 2025.
.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.
.39-047 Definitions for section -- Authority to exclude coverage for peer-to-peer car sharing -- Right of recovery.
.39-048 Authorized insurers -- Exclusions -- Defense of claims.
.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 insurer 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. (Effective until January 1, 2027)
.39-117 Motor vehicle insurance card to be in paper or electronic format -- Presentation of electronic insurance card to peace officer. (Effective January 1, 2027)
.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.
.39-215 Prohibition of referral to entity with which provider has financial relationship -- Reparations benefits.
.39-220 Fees of claimant's attorney.
.39-230 Limitations of actions.
.39-240 Repealed, 1998
.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.
.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.
.40-250 Legislative purposes.
.40-260 Definitions.
.40-270 Repealed, 1986.
.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.
.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.
.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 member insurer insolvencies or impairments.
.42-130 Offset of premium tax liability to state -- Surcharge on premiums.
.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.
.43-010 Repealed, 2002.
.43-020 Repealed, 2002.
.43-030 Repealed, 2002.
.43-040 Repealed, 2002.
.43-050 Repealed, 2002.
.43-060 Repealed, 2002.
.43-070 Repealed, 2002.
.43-080 Repealed, 2002.
.43-085 Repealed, 2002.
.43-090 Repealed, 2002.
.43-100 Repealed, 2002.
.43-110 Repealed, 2002.
.43-120 Repealed, 2002.
.43-130 Repealed, 2002.
.43-140 Repealed, 2002.
.43-150 Repealed, 2002.
.44-010 Definitions for subtitle.
.44-020 Mine subsidence insurance fund established.
.44-030 Separate premium for insurance against loss by subsidence -- Administrative regulation -- 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.
.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.
.45-032 Board of directors of risk retention group -- Contracts with service provider -- Audit committee composed of independent directors -- Governance standards -- Code of business conduct and ethics -- Notification of noncompliance.
.45-040 Requirements for doing business -- Exemptions.
.45-050 Purchasing groups -- Exemptions from certain laws regarding liability insurance.
.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.
.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.
.46-010 Expired, 1988.
.46-020 Expired, 1988.
.46-030 Expired, 1988.
.46-040 Expired, 1988.
.46-050 Expired, 1988.
.46-060 Expired, 1988.
.46-070 Expired, 1988.
.46-080 Expired, 1988.
.46-090 Expired, 1988.
.46-100 Expired, 1988.
.46-110 Expired, 1988.
.46-120 Expired, 1988.
.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.
.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.
.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.
.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.
.51-010 Interstate Insurance Product Regulation Compact.
.52-010 Definitions for subtitle.
.52-020 Application of provisions.
.52-030 Limited lines travel insurance producer -- Travel retailer offering insurance under supervision of travel insurance producer -- Written materials -- Employees and representatives -- Related compensation.
.52-040 Travel protection plan.
.52-050 Persons offering travel insurance are subject to Subtitle 12 -- Information provided to consumers -- Acts that do not constitute unfair trade practices -- Negative option or opt-out.
.52-060 Licensed persons who may handle travel insurance without adjuster license -- Insurer's responsibility.
.52-070 Classification and filing of travel insurance -- Form -- Eligibility and underwriting standards.
.52-080 Administrative regulations.
.52-090 Citation of subtitle.
.53-010 Allowable types of paid family leave insurance -- Application of provisions.
.53-020 Definitions for section -- Types of employee leave covered.
.53-030 Required contents of policies and contracts.
.53-040 Limitations, exclusions, and reductions.
.53-050 Periodic and prompt payment of benefits due.
.53-060 Administrative regulations.
.53-070 Citation of subtitle.
.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.
.99-040 Repealed, 1986.
.99-050 Repealed, 1978.
.99-055 Penalties for violation of KRS 304.3-620.
.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).
.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.
.99-122 Reimbursement to person who incurs monetary loss for violation of KRS 304.17A-593, 304.-17A-595, 304.17A-597, or 304.17A-599.
.99-123 Penalties for noncompliance with KRS 304.17A-700 to 304.17A-730 and KRS 205.593, 304.14-135, 304.99-123, and other statutes.
.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.