There may be a provision as follows:
"Intoxicants, Narcotics and Hallucinogenics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic or any hallucinogenic unless administered on the advice of a physician."
KRS 304.17-290
Created 1970 Ky. Acts ch. 301, subtit. 17, sec. 29, effective6/18/1970.