KRS 304.17-270: Renewability.

Health insurance policies, other than accident insurance only policies, in which the

insurer reserves the right to refuse renewal on an individual basis, shall provide in

substance in a provision thereof or in an indorsement thereon or rider attached thereto that

subject to the right to terminate the policy upon nonpayment of premium when due, such

right to refuse renewal may not be exercised so as to take effect before the renewal date

occurring on, or after and nearest, each policy anniversary (or in the case of lapse and

reinstatement, at the renewal date occurring on, or after and nearest, each anniversary of

the last reinstatement), and that any refusal of renewal shall be without prejudice to any

claim originating while the policy is in force. (The par enthetic reference to lapse and

reinstatement may be omitted at the insurer's option.)