Kansas Administrative Regulations

Agency 40.  Insurance Department

Article 4.  Accident and Health Insurance


 40-4-27 Same; basic medical-surgical expense coverage.


“Basic medical-surgical expense coverage'' means a policy of accident and sickness insurance which, for each person insured under the policy, provides coverage for the expenses incurred in providing the necessary services, rendered by a legally qualified physician, for treatment of an injury or sickness. Basic medical surgical expense coverage shall provide at least the following:

(a)  Surgical services consisting of benefits providing not less than:

(1)  an amount for any procedure at least equal to $1,000, based on the relative values contained in the “relative value study'' of the Kansas medical society, adopted May 5, 1966, as amended May 19, 1968; or

(2)  80 percent of the reasonable charges;

(b)  Anesthesia services, consisting of administration of necessary general anesthesia and related procedures, in connection with covered surgical service, which is rendered by a physician other than the physician or the physician's assistant performing the surgical services:

(1)  In an amount not less than 80 percent of the reasonable charges; or

(2)  15 percent of the surgical service benefit;

(c)  In-hospital medical services, consisting of physician services rendered to a person who is a bed patient in a hospital for treatment of sickness or injury other than that for which surgical care is required, in an amount not less than:

(1)  80 percent of the reasonable charges; or

(2)  $10 per day for not less than 21 days during any one period of confinement.


(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.)