KRS 304.12-250: Exclusion of work -related health condition as unfair or deceptive trade

practice for health insurance policies.

(1) It shall be an unfair or deceptive trade practice for a health insurance policy to

exclude coverage for a health condition based sol ely on the fact that the health

condition is work -related, unless the claimant is eligible for benefits under any

workers' compensation act or similar law.

(2) For purposes of this section, all employees shall be deemed to be eligible for

benefits under any workers' compensation act or similar law, except for:

(a) Any employee exempted from workers' compensation coverage pursuant to

KRS 342.650(1), (2), (3), (5), or (7); and

(b) The owner or owners of a business, including qualified partners as defined in

KRS 342.012(3).