(1) “Specially designed policy” means an insurance policy that by design may not meet all or part of the definitions
of a group or individual sickness and accident insurance policy and includes temporary
sickness and accident insurance on a short-term basis.
(2) “Short-term” means an insurance policy period of six months or 12 months, based upon policy design,
which offers not more than one renewal period with or without a requirement of medical
re-underwriting or medical requalification.
(A) Because a short-term policy addresses the special needs for temporary coverage,
a short-term policy is not subject to continuation provisions of the health insurance
portability and accountability act of 1996 (public law 104-191).
(B) Because a short-term policy addresses the special needs for temporary coverage,
a short-term policy shall be exempt from medical loss ratio calculations associated
with individual sickness and accident insurance issued within the state unless such
calculation excludes any monthly administration fee associated with the sale of such
(b) Specially designed policies shall include policies designed to provide sickness
and accident insurance for specific coverage of benefits or services that may be excluded
as benefits or services cited under K.S.A. 40-2,192, and amendments thereto. Specially designed policies may include the following stand-alone policies and coverages:
(1) Chiropractic plans;
(2) acupuncture coverage plans;
(3) holistic medical treatment plans;
(4) podiatrist plans;
(5) pharmacy plans;
(6) psychiatric plans;
(7) allergy plans; and
(8) such other stand-alone plans or combinations of plans of accepted traditional
and nontraditional medical practice as shall be allowable for exclusion from group
or individual plans under K.S.A. 40-2,192, and amendments thereto.
(c) No specially designed policy shall be deemed to be included under the definition
of group sickness and accident insurance, including short-term, limited-duration health
insurance, issued or renewed inside or outside of this state and covering persons
residing in this state.
FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. Please verify the status of the code you are researching with the state legislature or via Westlaw before relying on it for your legal needs.
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