KRS 304.18-030: Required provisions in group policies.

Each such group health insurance policy shall contain in substance the following

provisions:

(1) A provision that, in the absence of fraud, all statements made by applicants or the

policyholders or by an insured person shall be deemed representations and n ot

warranties, and that no statement made for the purpose of effecting insurance shall

void such insurance or reduce benefits unless contained in a written instrument

signed by the policyholder or the insured person, a copy of which has been

furnished to such policyholder or to such person or his beneficiary.

(2) A provision that the insurer will furnish to the policyholder for delivery to each

employee or member of the insured group a statement in summary form of the

essential features of the insurance cov erage of such employee or member and to

whom benefits thereunder are payable. If dependents are included in the coverage,

only one (1) statement need be issued for each family unit.

(3) A provision that to the group originally insured may be added from tim e to time

eligible new employees or members or dependents, as the case may be, in

accordance with the terms of the policy.