KRS 304.18-032: Coverage for newly born children from moment of birth.

(1) All group or blanket health insurance policies and certificates issued thereunder

providing coverage on an expense incurred basis, regardless of whether the policies

and certificates are issued for nonfamily or family coverage, shall, provide that

health insurance benefits shall be payable with respect to a newly born child of the

insured or certificate holder from the moment of birth.

(2) The coverage for newly born children shall consist of coverage of injury or sickness

including the necessary care and t reatment of medically diagnosed congenital

defects and birth abnormalities.

(3) If payment of a specific premium or fee is required to provide coverage for a child,

the policy or contract may require that notification of birth of a newly born child

and pay ment of the required premium or fees must be furnished to the insurer

within thirty -one (31) days after the date of birth in order to have the coverage

continue beyond such thirty-one (31) day period.

(4) The requirements of this section shall apply to all insurance policies, and certificates

issued thereunder, delivered or issued for delivery in this state on and after July 15,

1994.