KRS 304.17-310: Family expense health insurance.

(1) Family expense health insurance is that provided under a policy issued to one (1) of

the family members insured, who shall be deemed the policyholder, covering any

two (2) or more eligible members of a family, including husband, wife, unmarried

dependent children, to age nineteen (19), unmarried children from nineteen (19) to

twenty-five (25) years of age who are full-time students enrolled in and attending an

accredited educational institution and who are primarily dependent on the

policyholder for maintenance and support, and any other person dependent upon the

policyholder. Any authorized health insurer may issue the insurance.

(2) An individual hospital or medical expense insurance policy or hospital or medical

service plan contract delivered or issued f or delivery in this state more than 120

days after June 13, 1968, which provides that coverage of a dependent child shall

terminate upon attainment of the limiting age for dependent children specified in the

policy or contract shall also provide in substan ce that attainment of the limiting age

shall not operate to terminate the coverage of the child while the child is and

continues to be both (a) incapable of self -sustaining employment by reason of an

intellectual or physical disability and (b) chiefly dependent upon the policyholder or

subscriber for support and maintenance, provided proof of the incapacity and

dependency is furnished to the insurer or corporation by the policyholder or

subscriber within thirty -one (31) days of the child's attainment of the limiting age

and subsequently as may be required by the insurer or corporation but not more

frequently than annually after the two (2) year period following the child's

attainment of the limiting age.

(3) Insurers offering family expense health insurance shall offer the applicant the option

to purchase coverage for unmarried dependent children until age twenty-five (25).