KRS 304.14-130: Grounds for disapproval.

(1) The commissioner shall disapprove any form filed under KRS 304.14 -120, or

withdraw any previous approval thereof, only on one (1) or more of the following

grounds:

(a) If it is in any respect in violation of, or does not comply with, this code.

(b) If it c ontains or incorporates by reference, where the incorporation is

otherwise permissible, any inconsistent, ambiguous, or misleading clauses, or

exceptions and conditions which deceptively affect the risk purported to be

assumed in the general coverage of the contract.

(c) If it has any title, heading, or other indication of its provisions which is

misleading, or is printed in a size of type or manner of reproduction so as to

be substantially illegible.

(d) As to an individual, group, or blanket health insura nce policy, if the benefits

provided therein are unreasonable in relation to the premium charged.

(e) If it excludes coverage for human immunodeficiency virus infection or

acquired immunodeficiency syndrome or contains limitations in the benefits

payable, or in the terms or conditions of the contract, for human

immunodeficiency virus infection or acquired immunodeficiency syndrome

which are different than those which apply to any other sickness or medical

condition.

(2) The insurer shall not use in this sta te any form after disapproval or withdrawal of

approval.