§ 26-5-103 — "Disability insurance" defined

(a) Disability insurance is insurance of any kind on human
beings against:
(i) Bodily injury, disablement or death by accident
or accidental means, or the expense thereof; or
(ii) Disablement or expense resulting from sickness.
(b) For any statute with an effective date on or after
July 2, 2011, and unless expressly and specifically provided by
statute, the term "disability insurance" does not include any of
the following excepted benefits:
(i) Accident only insurance;
(ii) Accidental death or dismemberment insurance;
(iii) Credit insurance;
(iv) Dental or vision care insurance;
(v) Medicare supplemental insurance as defined by
section 1882(g)(i) of the federal Social Security Act;
(vi) Long-term care insurance, including nursing home
fixed indemnity insurance, except if the commissioner determines
that the insurance provides benefits so comprehensive that it is
the equivalent of a health benefit plan and should not be exempt
under this section;
(vii) Disability income or a combination of accident
only and disability income insurance;
(viii) Insurance issued as a supplement to liability
insurance;
(ix) Specified disease insurance;
(x) Workers' compensation insurance;
(xi) Medical payment insurance coverage provided
under a motor vehicle insurance policy;
(xii) Hospital confinement indemnity insurance;
(xiii) Limited benefit insurance that is offered and
marketed as supplemental health insurance and not as a
substitute for hospital or medical insurance or major medical
expense insurance.