Kansas Administrative Regulations

Agency 40.á Insurance Department

Article 4.á Accident and Health Insurance

 

40-4-32 Same; standards for benefits; specified disease coverage.

 

ôSpecified disease coverage'' means a policy which meets one of the following definitions:

(a)  A policy which provides coverage, for each person insured under the policy, for a specifically named disease or diseases with a deductible amount not in excess of $250, an overall aggregate benefit limit of no less than $10,000 and a benefit period of not less than two years for the following incurred expenses:

(1)  Hospital room and board and any other hospital-furnished medical services or supplies;

(2)  treatment by a legally qualified physician or surgeon;

(3)  private duty services of a registered nurse (R.N.);

(4)  x-ray, radium and other therapy procedures used in diagnosis and treatment;

(5)  professional ambulance for local service to and from a local hospital;

(6)  blood transfusions, including expense incurred for blood donors;

(7)  drugs and medicines prescribed by a physician;

(8)  rental of an iron lung or similar mechanical apparatus;

(9)  braces, crutches and wheelchairs, as deemed necessary by the attending physician, for the treatment of the disease; and

(10)  emergency transportation, if in the opinion of the attending physician, the insured requires transportation to another locality for treatment of the disease.

(b)  A specified disease policy may include coverage of other expenses necessarily incurred in the treatment of the disease.

(c)  A policy which provides coverage, for each person insured under the policy, for a specifically named disease or diseases with no deductible amount, an overall aggregate benefits limit of not less than $25,000, payable at the rate of not less than $50 a day while confined in a hospital, and a benefit period of not less than 500 days.

 

(Authorized by K.S.A. 40-103, 40-2218; implementing K.S.A. 40-2218; effective Feb. 15, 1977; amended May 1, 1984; amended May 1, 1986.)