Ind. Code § 27-1-31-1 — Indiana Code / Title 27 / Article 1 / Chapter 31 / Section 27-1-31-1
Application of chapter
Status: in_force

Sec. 1. (a) Except as provided in subsection (b), this chapter applies to all lines of commercial property and casualty insurance.

(b) This chapter:

(1) does not apply to the cancellation or nonrenewal of automobile insurance policies, as restricted under IC 27-7-6; and

(2) does not affect requirements applying to:

(A) the cancellation of medical malpractice insurance policies under IC 34-18-13-4 (or IC 27-12-13-4 before its repeal); or

(B) the cancellation of property or liability insurance by a creditor under IC 37-2-5-17.

As added by P.L.271-1987, SEC.4. Amended by P.L.2-1993, SEC.149; P.L.224-1993, SEC.1; P.L.1-1998, SEC.148; P.L.115-2026, SEC.51.
Ind. Code § 27-16-4-3 — Indiana Code / Title 27 / Article 16 / Chapter 4 / Section 27-16-4-3
Registration deadline
Status: in_force

Sec. 3. (a) A PEO that is operating in Indiana on January 1, 2006, shall complete the PEO's initial registration not later than July 1, 2006.

(b) An initial registration under subsection (a) is valid until the end of the PEO's first fiscal year end that occurs after December 31, 2006.

(c) A PEO that is not operating in Indiana on December 31, 2005, shall complete the PEO's initial registration before commencement of operations in Indiana.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-8-22-1 — Indiana Code / Title 27 / Article 8 / Chapter 22 / Section 27-8-22-1
"Health care provider" defined
Status: in_force

Sec. 1. As used in this chapter, "health care provider" has the meaning set forth in IC 34-18-2-14.

As added by P.L.1-1994, SEC.139. Amended by P.L.1-1998, SEC.152; P.L.1-2010, SEC.112.
Ind. Code § 27-2-19-3 — Indiana Code / Title 27 / Article 2 / Chapter 19 / Section 27-2-19-3
"Law enforcement agency" defined
Status: in_force

Sec. 3. As used in this chapter, "law enforcement agency" means an agency or a department of any level of government whose principal function is the apprehension of criminal offenders. The term includes the office of the inspector general.

As added by P.L.187-1996, SEC.1. Amended by P.L.222-2005, SEC.36.
Ind. Code § 27-8-5.5-3 — Indiana Code / Title 27 / Article 8 / Chapter 5.5 / Section 27-8-5.5-3
Obtaining additional information regarding claims
Status: in_force

Sec. 3. The adoption of uniform claim forms by the commissioner pursuant to this chapter does not preclude an insurer, hospital, medical, or dental service corporation or other pre-payment organization, from obtaining any necessary additional information regarding a claim from the claimant, provider of health care or treatment, or certifier of coverage, as may be required.

As added by Acts 1977, P.L.288, SEC.1.
Ind. Code § 27-13-1-3 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-3
Repealed
Status: repealed

As added by P.L.26-1994, SEC.25. Amended by P.L.132-2001, SEC.15; P.L.178-2003, SEC.84. Repealed by P.L.97-2004, SEC.133.
Ind. Code § 27-2-25.5-0.7 — Indiana Code / Title 27 / Article 2 / Chapter 25.5 / Section 27-2-25.5-0.7
"Third party administrator"
Status: in_force

Sec. 0.7. As used in section 3 of this chapter, "third party administrator" means an individual or entity that performs administrative services for a self-funded health benefit plan, including:

(1) a self-funded health benefit plan that complies with the federal Employee Retirement Income Security Act (ERISA) of 1974 (29 U.S.C. 1001 et seq.); and

(2) a self-insurance program established under IC 5-10-8-7(b).

As added by P.L.152-2024, SEC.14.
Ind. Code § 27-7-2-36 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-36
Repealed
Status: repealed

Formerly: Acts 1935, c.323, s.36. As amended by P.L.252-1985, SEC.244. Repealed by P.L.249-1989, SEC.19.
Ind. Code § 27-7-10-28 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-28
Premium taxes; taxes on premiums; calculations
Status: in_force

Sec. 28. Premium taxes and taxes on premiums paid for coverage of risks resident or located in Indiana by a purchasing group or any member of a purchasing group shall be:

(1) imposed at the same rate and subject to the same interest, fines, and penalties that apply to premium taxes and taxes on premiums paid for similar coverage from a similar insurance source by other insureds; and

(2) paid first by the insurance source, and if not by the insurance source, then by the insurance producer or broker for the purchasing group, and if not by the insurance producer or broker, then by the purchasing group, and if not by the purchasing group, then by each of its members.

As added by P.L.162-1988, SEC.2. Amended by P.L.178-2003, SEC.51.
Ind. Code § 27-7-19-3 — Indiana Code / Title 27 / Article 7 / Chapter 19 / Section 27-7-19-3
"Insurer"
Status: in_force

Sec. 3. As used in this chapter, "insurer" means a company that is authorized under IC 27-1-3-20 to engage in the business of insurance in Indiana.

As added by P.L.51-2026, SEC.9.
Ind. Code § 27-2-15-4 — Indiana Code / Title 27 / Article 2 / Chapter 15 / Section 27-2-15-4
"Insurer" defined
Status: in_force

Sec. 4. As used in this chapter, "insurer" means a fire and marine insurance company, as defined in IC 27-1-2-3(u).

As added by P.L.247-1989, SEC.2.
Ind. Code § 27-1-41-5 — Indiana Code / Title 27 / Article 1 / Chapter 41 / Section 27-1-41-5
Authorization to issue group insurance policy
Status: in_force

Sec. 5. An insurer that is:

(1) authorized under IC 27-1-3-20 to engage in the business of insurance in Indiana; or

(2) doing business with an insurance producer that is licensed under IC 27-1-15.8;

may issue a group insurance policy in Indiana.

As added by P.L.32-2012, SEC.2.
Ind. Code § 27-1-12.3-5 — Indiana Code / Title 27 / Article 1 / Chapter 12.3 / Section 27-1-12.3-5
Nonapplicability of other laws
Status: in_force

Sec. 5. No statute other than this chapter applies to policy loan interest rates, except to the extent that a statute enacted after the 1981 regular session of the Indiana general assembly specifically provides otherwise.

As added by Acts 1981, P.L.240, SEC.1.
Ind. Code § 27-7-10-34 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-34
Rules to implement chapter
Status: in_force

Sec. 34. The commissioner, under IC 4-22-2, may adopt rules necessary to implement this chapter.

As added by P.L.162-1988, SEC.2.
Ind. Code § 27-1-9-5 — Indiana Code / Title 27 / Article 1 / Chapter 9 / Section 27-1-9-5
Effective time of merger or consolidation
Status: in_force

Sec. 5. Upon the issuance of a certificate of merger or a certificate of consolidation and incorporation by the secretary of state, the merger or consolidation, as the case may be, shall be effected, subject to the rights of dissenting shareholders, members, or policyholders, as provided in sections 9 and 10 of this chapter.

Formerly: Acts 1935, c.162, s.118. As amended by P.L.252-1985, SEC.42.
Ind. Code § 27-8-17-7 — Indiana Code / Title 27 / Article 8 / Chapter 17 / Section 27-8-17-7
"Utilization review agent" defined
Status: in_force

Sec. 7. (a) As used in this chapter, "utilization review agent" means any entity performing utilization review, except the following:

(1) An agency of the state or federal government.

(2) An agent acting on behalf of the federal or state government.

(3) Entities conducting general in-house utilization review for hospitals, home health agencies, health maintenance organizations, preferred provider organizations or other managed care entities, clinics, private offices, or any other health facility, so long as the review does not result in the approval or denial of an enrollee's coverage for hospital or medical services.

(b) However, an agent described in subsection (a)(2) who performs utilization review for a person other than the federal or state government is a utilization review agent who is subject to the requirements of this chapter.

As added by P.L.128-1992, SEC.1.
Ind. Code § 27-1-1.5-24 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-24
"National Committee on Quality Assurance standards or guidelines"
Status: in_force

Sec. 24. "National Committee on Quality Assurance standards or guidelines" refers to standards or guidelines for accreditation of health plans:

(1) that are published by the National Committee on Quality Assurance; and

(2) in effect on January 1, 2018.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-13-1-13 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-13
"Evidence of coverage"
Status: in_force

Sec. 13. "Evidence of coverage" means a statement of the essential features and services of the coverage provided by a health maintenance organization.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-14.5-1-21 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-21
"Mutual insurance holding company"
Status: in_force

Sec. 21. "Mutual insurance holding company" means a mutual insurance holding company established under IC 27-14.5-2.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-13-12-2 — Indiana Code / Title 27 / Article 13 / Chapter 12 / Section 27-13-12-2
Initial minimum net worth
Status: in_force

Sec. 2. Before issuing a certificate of authority to a health maintenance organization, the commissioner shall require that the health maintenance organization:

(1) have an initial net worth of at least one million five hundred thousand dollars ($1,500,000); and

(2) maintain, after issuance of the certificate, at least the minimum net worth required under section 3 of this chapter.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-1.5-2 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-2
Reference to Indiana Code
Status: in_force

Sec. 2. Except as otherwise provided in this title, a reference in this title to an Indiana statute is a reference to the statute:

(1) as added to the Indiana Code (or, in the case of a noncode statute, as enacted into law); or

(2) as amended;

whichever occurred most recently.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-2-18-12 — Indiana Code / Title 27 / Article 2 / Chapter 18 / Section 27-2-18-12
Reports of material acquisitions and dispositions on nonconsolidated basis; exceptions
Status: in_force

Sec. 12. (a) Insurers must report material acquisitions and dispositions on a nonconsolidated basis unless the insurer is part of a consolidated group of insurers that uses a pooling arrangement or one hundred percent (100%) reinsurance agreement that affects the solvency and integrity of the insurer's reserves and the insurer ceded substantially all of its direct and assumed business to the pool.

(b) An insurer is considered to have ceded substantially all of its direct and assumed business to a pool under subsection (a) if the insurer has less than one million dollars ($1,000,000) total direct plus assumed written premiums during a calendar year that are not subject to a pooling arrangement and the net income of the business not subject to the pooling arrangement represents less than five percent (5%) of the insurer's capital and surplus.

As added by P.L.251-1995, SEC.17.
Ind. Code § 27-8-37-1 — Indiana Code / Title 27 / Article 8 / Chapter 37 / Section 27-8-37-1
"Policy of accident and sickness insurance"
Status: in_force

Sec. 1. As used in this chapter, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1, offered on an individual or group basis.

As added by P.L.130-2020, SEC.14.
Ind. Code § 27-19-4-3 — Indiana Code / Title 27 / Article 19 / Chapter 4 / Section 27-19-4-3
Requirements for navigator and application organization; violation
Status: in_force

Sec. 3. (a) A person that is a navigator or an application organization must meet all the following:

(1) Shall not provide incorrect, misleading, incomplete, or materially untrue information in an application for certification or registration.

(2) Shall not violate any of the following:

(A) An insurance law.

(B) A regulation.

(C) A subpoena of the commissioner.

(D) An order of the commissioner.

(E) A rule of a health benefit exchange operating in Indiana.

(F) A rule adopted under IC 27-19-3-3(d).

(G) PPACA or a federal regulation adopted under PPACA.

(3) Shall not intentionally misrepresent the terms of an actual or proposed insurance contract or application for insurance.

(4) Must not have had:

(A) an insurance producer or consultant license;

(B) a navigator certification or an application organization registration; or

(C) an equivalent to a license, certification, or registration described in clause (A) or (B);

denied, suspended, or revoked in any state, province, district, or territory.

(5) If the person is a navigator, shall not fail to satisfy the continuing education requirements established under section 12 of this chapter.

(6) Shall not obtain or attempt to obtain a license, certification, or registration through misrepresentation or fraud.

(7) Shall not fail to disclose a conflict of interest to the commissioner:

(A) in an application under this chapter; or

(B) arising after application is made under this chapter.

(8) If the person is a navigator, must not have been convicted of a felony or other crimes determined by the commissioner or secretary.

(9) Must not have admitted to committing or have been found to have committed an unfair trade practice or fraud in the business of insurance.

(10) Shall not use fraudulent, coercive, or dishonest practices, or demonstrate incompetence or untrustworthiness, in acting as a navigator or an application organization.

(11) Shall not improperly use notes or other reference material to complete an examination for certification under this chapter.

(12) If the person is a navigator, must not have failed, and shall not fail, to comply with an administrative or court order imposing a child support obligation.

(13) Must not have failed, and shall not fail, to pay state income tax or comply with any administrative or court order directing payment of state income tax.

(14) Shall not fail to timely inform the commissioner of a change in legal name or address.

(15) If the person is an application organization, shall not fail to verify that each navigator working for the application organization meets the following requirements:

(A) The navigator is certified under this chapter.

(B) The navigator has not committed an act that would be grounds for denial, suspension, or revocation of certification under this chapter.

(16) Shall not receive consideration from a health insurance issuer (as defined in Section 2791 of the federal Public Health Service Act (42 U.S.C. 300gg-91)) in connection with the enrollment of an individual in a health plan.

(b) The commissioner may:

(1) reprimand a navigator or an application organization;

(2) levy a civil penalty against a navigator or an application organization;

(3) place a navigator or an application organization on probation;

(4) suspend a navigator's certification or an application organization's registration;

(5) revoke a navigator's certification or an application organization's registration for a period of years;

(6) permanently revoke a navigator's certification or an application organization's registration;

(7) issue a cease and desist order to a navigator or an application organization; or

(8) take any combination of the actions described in subdivisions (1) through (7);

for a violation described in subsection (a).

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-2-27-25 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-25
Confidentiality
Status: in_force

Sec. 25. (a) Any documents, materials, or other information in the control or possession of the department that are:

(1) furnished by a licensee or an employee or agent acting on behalf of a licensee under section 20(c), 21(d)(2) through 21(d)(5), 21(d)(8), or 21(d)(10) through 21(d)(11) of this chapter; or

(2) obtained by the commissioner in an investigation or examination under section 24 of this chapter;

are confidential by law and privileged, are not subject to IC 5-14-3, are not subject to subpoena, and are not subject to discovery or admissible in evidence in any private civil action. However, the commissioner is authorized to use the documents, materials, or other information in the furtherance of any regulatory or legal action brought as a part of the commissioner's duties. The commissioner shall not otherwise make the documents, materials, or other information public without the prior written consent of the licensee.

(b) Neither the commissioner nor any person who received documents, materials, or other information while acting under the authority of the commissioner shall be permitted or required to testify in any private civil action concerning any confidential documents, materials, or information subject to subsection (a).

(c) In order to assist in the performance of the commissioner's duties under this chapter, the commissioner:

(1) may share documents, materials, or other information, including the confidential and privileged documents, materials, or information subject to subsection (a), with other state, federal, and international regulatory agencies, with the NAIC and its affiliates or subsidiaries, and with state, federal, and international law enforcement authorities, provided that the recipient agrees in writing to maintain the confidentiality and privileged status of the document, material, or other information;

(2) may receive documents, materials, or information, including otherwise confidential and privileged documents, materials, or information, from the NAIC and its affiliates or subsidiaries and from regulatory and law enforcement officials of other foreign or domestic jurisdictions, and shall maintain as confidential or privileged any document, material, or information received with notice or the understanding that it is confidential or privileged under the laws of the jurisdiction that is the source of the document, material, or information;

(3) may share documents, materials, or other information subject to subsection (a), with a third party consultant or vendor provided the consultant or vendor agrees in writing to maintain the confidentiality and privileged status of the document, material, or other information; and

(4) may enter into agreements governing sharing and use of information consistent with this subsection.

(d) No waiver of any applicable privilege or claim of confidentiality in the documents, materials, or information shall occur as a result of disclosure to the commissioner under this section or as a result of sharing as authorized in subsection (c).

(e) Nothing in this chapter prohibits the commissioner from releasing final, adjudicated actions that are open to public inspection under IC 5-14-3 to a data base or other clearinghouse service maintained by the NAIC, its affiliates, or subsidiaries.

(f) Documents, materials, or other information in the possession or control of the NAIC or a third party consultant or vendor under this chapter shall be confidential by law and privileged, shall not be subject to IC 5-14-3, shall not be subject to subpoena, and shall not be subject to discovery or admissible in evidence in any private civil action.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-8-26-3 — Indiana Code / Title 27 / Article 8 / Chapter 26 / Section 27-8-26-3
"Health care services coverage" defined
Status: in_force

Sec. 3. As used in this chapter, "health care services coverage" refers to an insurance policy, a health maintenance organization contract, or a governmental health care plan described in section 1 of this chapter.

As added by P.L.150-1997, SEC.4.
Ind. Code § 27-1-29.1-3 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-3
"Liability" defined
Status: in_force

Sec. 3. As used in this chapter, "liability" means an obligation arising from:

(1) multiple claims for the payment of money that are within the limits set forth in IC 34-13-3-4 (or IC 34-4-16.5-4 before its repeal) and that arise from a single catastrophic occurrence; or

(2) any other claim for which coverage is provided for members of the fund under rules adopted by the commission.

As added by P.L.272-1987, SEC.7. Amended by P.L.1-1998, SEC.146.
Ind. Code § 27-2-28-12 — Indiana Code / Title 27 / Article 2 / Chapter 28 / Section 27-2-28-12
Adoption of rules
Status: in_force

Sec. 12. (a) The commissioner shall adopt rules under IC 4-22-2 to implement monetary penalties for a violation of this chapter that are consistent with other penalties assessed for similar violations under this title.

(b) The commissioner is solely responsible for the enforcement of this chapter.

As added by P.L.226-2023, SEC.20. Amended by P.L.86-2026, SEC.9.
Ind. Code § 27-1-2.3-8 — Indiana Code / Title 27 / Article 1 / Chapter 2.3 / Section 27-1-2.3-8
Fair negotiation of rates and terms for ambulance service; rate negotiations; considerations
Status: in_force

Sec. 8. (a) The state shall fairly negotiate rates and terms with any ambulance service provider willing to become a participating provider with respect to the state employee health plan.

(b) In negotiations under subsection (a), the state employee health plan must consider all of the following:

(1) The ambulance service provider's usual and customary rates.

(2) The ambulance service provider's resources, and whether the ambulance service provider's staff is available twenty-four (24) hours per day every day.

(3) The average wages and fuel costs in the geographical area in which the ambulance service provider operates.

(4) The number of times in which individuals covered by the state employee health plan have sought ambulance service from the ambulance service provider but the ambulance service provider's response was canceled or did not result in a transport.

(5) The local ordinances and state rules concerning staffing, response times, and equipment under which the ambulance service provider must operate.

(6) The types of requests for ambulance service for individuals covered by the state employee health plan that the ambulance service provider generally receives, and the requesting party or agency by which those requests are generally made.

(7) The average reimbursement rate per level of service that the ambulance service provider generally receives as a nonparticipating provider.

(8) The specific:

(A) clinical and staff capabilities; and

(B) equipment resources;

that an ambulance service provider must have to adequately meet the needs of individuals covered by the state employee health plan, such as for the transportation of individuals covered by the state employee health plan from one (1) hospital to another after traumatic injury.

(9) The average transport cost data reported to the office of the secretary of family and social services by governmental ambulance service providers located within the counties, and contiguous counties, that the nonparticipating ambulance service provider serves.

As added by P.L.170-2022, SEC.36. Amended by P.L.92-2023, SEC.1; P.L.163-2024, SEC.9.
Ind. Code § 27-8-23-9 — Indiana Code / Title 27 / Article 8 / Chapter 23 / Section 27-8-23-9
Delivery of policy
Status: in_force

Sec. 9. A policy of health care coverage shall not be delivered or issued for delivery to any person in Indiana unless the policy complies with this chapter.

As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
Ind. Code § 27-3-1-2 — Indiana Code / Title 27 / Article 3 / Chapter 1 / Section 27-3-1-2
Authority to adopt plan of exchange
Status: in_force

Sec. 2. Any domestic stock insurance company (referred to in this chapter as the "domestic company") may adopt a plan of exchange providing for the exchange by its shareholders of their stock in the domestic company for:

(i) shares of stock issued by any other stock insurance corporation organized or reorganized under the provisions of IC 27-1 or any statute enacted prior to March 8, 1935, or any stock corporation organized under the provisions of IC 23-1 or any foreign stock corporation (such other corporation is referred to in this chapter as the "acquiring corporation");

(ii) other securities issued by the acquiring corporation;

(iii) cash;

(iv) other consideration; or

(v) any combination of such stock, such other securities, cash, or other consideration.

Formerly: Acts 1967, c.61, s.2. As amended by P.L.252-1985, SEC.139.
Ind. Code § 27-1-3-13 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-13
Blanks for annual statement; separate exhibit
Status: in_force

Sec. 13. (a) Each company authorized to conduct business in Indiana and required to file an annual statement with the department under IC 27-1-20-21 shall submit the company's statement on the Annual Statement Blank prepared in accordance with Annual Statement Instructions, and following practices and procedures prescribed by the Accounting Practices and Procedures Manual.

(b) To the extent that the Annual Statement Instructions require disclosure under subsection (a) of compensation paid to or on behalf of an insurer's officers, directors, or employees, the information may be filed with the department as an exhibit separate from the Annual Statement Blank. The compensation information described under this subsection shall be maintained by the department as confidential and may not be made public.

Formerly: Acts 1935, c.162, s.20; Acts 1963, c.154, s.1. As amended by P.L.130-1994, SEC.1; P.L.116-1994, SEC.5; P.L.251-1995, SEC.2; P.L.124-2018, SEC.2.
Ind. Code § 27-5.1-2-27 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-27
Judicial review
Status: in_force

Sec. 27. (a) A decision, a determination, or an order of the commissioner under section 26 of this chapter is subject to judicial review under IC 4-21.5-5.

(b) If a farm mutual insurance company does not seek judicial review of the commissioner's determination to issue an order under section 26 of this chapter less than thirty (30) days after the commissioner notifies the farm mutual insurance company of the commissioner's determination, the order is final.

(c) If a farm mutual insurance company seeks judicial review of the commissioner's determination under section 26 of this chapter and the commissioner's determination is upheld, the order is final.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-8-13.5-1 — Indiana Code / Title 27 / Article 8 / Chapter 13.5 / Section 27-8-13.5-1
Application of chapter
Status: in_force

Sec. 1. This chapter applies to a policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2013.

As added by P.L.126-2013, SEC.4.
Ind. Code § 27-8-19.8-10 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-10
Application and fee for license
Status: in_force

Sec. 10. (a) An applicant must do the following to obtain a license as a viatical settlement provider:

(1) Apply for the license on forms prescribed by the department.

(2) Provide information required by the department.

(3) Pay the license fee.

(b) The application must include the name of each officer, member, or employee of the applicant who will be authorized by the applicant to act as a viatical settlement provider under the license if issued to the applicant.

(c) The department shall adopt rules under IC 4-22-2 to set the licensing fee required by this section.

As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.14.
Ind. Code § 27-2-16-0.1 — Indiana Code / Title 27 / Article 2 / Chapter 16 / Section 27-2-16-0.1
Application of chapter
Status: in_force

Sec. 0.1. The addition of this chapter by P.L.193-1991 applies to policies first issued or renewed after June 30, 1991.

As added by P.L.220-2011, SEC.427.
Ind. Code § 27-1-1.5-9 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-9
"American Cancer Society guidelines"
Status: in_force

Sec. 9. "American Cancer Society guidelines" refers to the guidelines published by the American Cancer Society that are in effect on January 1, 2018.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-13-34-4 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-4
"Limited service health maintenance organization" defined
Status: in_force

Sec. 4. (a) As used in this chapter, "limited service health maintenance organization" means a corporation, partnership, limited liability company, or other entity that undertakes to provide or arrange a limited health service on a prepayment basis or other basis.

(b) The term does not include a provider or an entity when providing or arranging for the provision of limited health services under a contract with a limited service health maintenance organization.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-13-16 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-16
Notice of residential policy changes
Status: in_force

Sec. 16. (a) This section applies to a policy of insurance that:

(1) covers first party loss to property located in Indiana; and

(2) insures against loss or damage to:

(A) real property consisting of not more than four (4) residential units, one (1) of which is the principal place of residence of the named insured; or

(B) personal property in which the named insured has an insurable interest and that is used within a residential dwelling for personal, family, or household purposes.

(b) An insurer that reduces, restricts, or removes, through a rider or an endorsement, coverage provided by a policy of insurance must provide to the named insured written notice, through the United States mail or by electronic means, of the changes to the policy. The written notice required by this subsection must:

(1) be part of a document that is separate from the rider or endorsement;

(2) be printed in at least 12 point type, 1 point leaded;

(3) consist of text that achieves a minimum score of forty (40) on the Flesch reading ease test or an equivalent score on a comparable test approved by the commissioner as provided by IC 27-1-26-6;

(4) identify the forms, provisions, or endorsements that are changed;

(5) indicate that the named insured may contact the servicing insurance producer for the policy, if any, or the insurer for assistance with any questions concerning the policy changes;

(6) indicate whether a premium adjustment will result from the policy changes; and

(7) set forth any options available to the named insured to repurchase the coverage that has been reduced, restricted, or removed.

(c) The insurer bears the burden to prove that notice was sent to the named insured in accordance with this section. If the notice is sent through the United States mail, proof of mailing as described in IC 27-7-6-7 is sufficient proof of the notice.

(d) The commissioner may adopt rules under IC 4-22-2 to implement this section.

As added by P.L.173-2007, SEC.9. Amended by P.L.3-2008, SEC.208; P.L.116-2011, SEC.1; P.L.6-2012, SEC.186; P.L.129-2014, SEC.5.
Ind. Code § 27-13-12-6 — Indiana Code / Title 27 / Article 13 / Chapter 12 / Section 27-13-12-6
Adoption of rules
Status: in_force

Sec. 6. The commissioner may adopt rules to further define whether and to what extent the assets of a health maintenance organization may be considered admitted assets for purposes of complying with the requirements of this chapter.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-24.5-13 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-13
"Pharmacy benefit manager affiliate"
Status: in_force

Sec. 13. As used in this chapter, "pharmacy benefit manager affiliate" means a pharmacy or pharmacist that directly or indirectly, through one (1) or more intermediaries:

(1) owns or controls;

(2) is owned or controlled by; or

(3) is under common ownership or control with;

a pharmacy benefit manager.

As added by P.L.68-2020, SEC.1.
Ind. Code § 27-8-14.3-2 — Indiana Code / Title 27 / Article 8 / Chapter 14.3 / Section 27-8-14.3-2
"Accident and sickness policy"
Status: in_force

Sec. 2. (a) As used in this chapter, "accident and sickness policy" means an insurance policy that provides at least one (1) of the types of insurance described in IC 27-1-5-1, Classes 1(b) and 2(a).

(b) The term "accident and sickness policy" does not include the following:

(1) Accident only, credit, dental, vision, Medicare supplement, long term care, or disability income insurance.

(2) Coverage issued as a supplement to liability insurance.

(3) Worker's compensation or similar insurance.

(4) Automobile medical payment insurance.

(5) A specified disease policy.

(6) A short term insurance plan that:

(A) may be renewed for the greater of:

(i) thirty-six (36) months; or

(ii) the maximum period permitted under federal law;

(B) has a term of not more than three hundred sixty-four (364) days; and

(C) has an annual limit of at least two million dollars ($2,000,000).

(7) A policy that provides indemnity benefits not based on any expense incurred requirement, including a plan that provides coverage for:

(A) hospital confinement, critical illness, or intensive care; or

(B) gaps for deductibles or copayments.

(8) A supplemental plan that always pays in addition to other coverage.

(9) A student health plan.

(10) An employer sponsored health benefit plan that is:

(A) provided to individuals who are eligible for Medicare; and

(B) not marketed as, or held out to be, a Medicare supplement policy.

As added by P.L.37-2024, SEC.2.
Ind. Code § 27-2-24-8 — Indiana Code / Title 27 / Article 2 / Chapter 24 / Section 27-2-24-8
Payment of claim made by innocent coinsured
Status: in_force

Sec. 8. (a) An insurer may not deny, exclude, or limit payment of a claim made:

(1) by an innocent coinsured;

(2) for coverage of a property loss to the primary residence of the innocent coinsured; and

(3) under a policy of property or casualty insurance;

unless the denial, exclusion, or limitation of payment is otherwise allowed by law and applied to the innocent coinsured in the same manner and to the same extent as the denial, exclusion, or limitation of payment is applied by the insurer to all other insureds, regardless of whether an insured is an innocent coinsured.

(b) An insurer shall pay the following on a claim described in subsection (a):

(1) The actual cost of repair or replacement of the property that is the subject of the claim if the actual cost of repair or replacement is less than or equal to the maximum limit of coverage under the policy of property or casualty insurance.

(2) The maximum limit of coverage under the policy of property or casualty insurance if the actual cost of repair or replacement of the property that is the subject of the claim is greater than the maximum limit of coverage under the policy of property or casualty insurance.

(c) This section does not require an insurer to make payment on a claim described in subsection (a) in an amount that is greater than the amount applicable to the part of the damaged property to which the innocent coinsured is entitled under a decree of dissolution of marriage between the innocent coinsured and the individual described in section 5(2) of this chapter.

(d) This section does not require an insurer to do the following:

(1) Make payment to an innocent coinsured on a claim described in subsection (a) in an amount that exceeds:

(A) the innocent coinsured's ownership interest in the property; minus

(B) any payment by the insurer to a mortgagee or another lienholder with a secured interest in the property.

(2) Make payment to another coinsured for the part of a loss for which the insurer has already made payment to the innocent coinsured.

As added by P.L.148-2017, SEC.8.
Ind. Code § 27-1-23.5-2 — Indiana Code / Title 27 / Article 1 / Chapter 23.5 / Section 27-1-23.5-2
Definitions
Status: in_force

Sec. 2. Except as otherwise provided in this chapter, the definitions in IC 27-1-23 apply throughout this chapter.

As added by P.L.129-2014, SEC.8.
Ind. Code § 27-11-8-7 — Indiana Code / Title 27 / Article 11 / Chapter 8 / Section 27-11-8-7
Noncompliance by foreign or alien society; suspension, revocation, or refusal of license
Status: in_force

Sec. 7. (a) When the commissioner upon investigation finds that a foreign or alien society transacting or applying to transact business in Indiana:

(1) has exceeded its powers;

(2) has failed to comply with any of the provisions of this chapter;

(3) is not fulfilling its contracts in good faith; or

(4) is conducting its business fraudulently or in a manner hazardous to its members or creditors or the public;

the commissioner shall in writing notify the society of the deficiency or deficiencies, state the reasons for the commissioner's dissatisfaction, and require that the deficiency or deficiencies that exist be corrected.

(b) After the notice, the society shall have thirty (30) days in which to comply with the commissioner's request for correction, and, if the society fails to comply, the commissioner shall notify the society of the findings of noncompliance and require the society to show cause on a date named why its license should not be suspended, revoked, or refused. If on that date the society does not present good and sufficient reason why its authority to do business in Indiana should not be suspended, revoked, or refused, the commissioner may suspend or refuse the license of the society to do business in Indiana until satisfactory evidence is furnished to the commissioner that the suspension or refusal should be withdrawn, or the commissioner may revoke the authority of the society to do business in Indiana.

(c) Nothing contained in this section shall be taken or construed as preventing any society from continuing in good faith all contracts made in Indiana during the time the society was legally authorized to transact business in Indiana.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-8-5.8-3 — Indiana Code / Title 27 / Article 8 / Chapter 5.8 / Section 27-8-5.8-3
"Insured" defined
Status: in_force

Sec. 3. As used in this chapter, "insured" means an individual who is entitled to coverage under an accident and sickness insurance policy.

As added by P.L.230-2001, SEC.2.
Ind. Code § 27-10-2-14 — Indiana Code / Title 27 / Article 10 / Chapter 2 / Section 27-10-2-14
Collateral securities; receipts; records
Status: in_force

Sec. 14. (a) When a bail agent or insurer accepts collateral, the bail agent or insurer shall give a written receipt for the collateral. The receipt shall give in detail a full description of the collateral received and the terms of redemption. The collateral shall be considered to have been taken in a fiduciary capacity. The bail agent or insurer shall keep copies of all receipts at the bail agent's or insurer's place of business to be available to the commissioner for the commissioner's review.

(b) A bail agent or an insurer shall maintain in the bail agent's or insurer's office records of bail bonds executed or countersigned by the bail agent or insurer for at least one (1) year after the liability of the surety has been terminated. Salient details of the bonds shall be a part of the records required by this subsection.

(c) At the time a bail agent's license issued under IC 27-10-3 is renewed, the bail agent or a firm or an agency that the bail agent is employed by, associated with, or a member of shall file with the commissioner a sworn statement on a form furnished by the commissioner. The statement must include:

(1) a list of every outstanding or unpaid late surrender fee and judgment;

(2) the name of the court in which each outstanding or unpaid late surrender fee and judgment is recorded; and

(3) all other information determined by the commissioner to be pertinent.

(d) The commissioner may:

(1) deny;

(2) suspend;

(3) revoke; or

(4) refuse to renew;

a license issued under this article for failure of the licensee to comply with subsection (c).

(e) The commissioner may impose a civil penalty of not more than ten thousand dollars ($10,000) against:

(1) an insurer;

(2) a bail agent; or

(3) a firm or an agency;

for failure to comply with subsection (c).

(f) A civil penalty imposed under subsection (e) may be enforced in the same manner as a civil judgment.

As added by P.L.261-1985, SEC.1. Amended by P.L.355-1989(ss), SEC.5; P.L.224-1993, SEC.11; P.L.86-2011, SEC.1.
Ind. Code § 27-7-17-5 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-5
"Cancellation fee waiver"
Status: in_force

Sec. 5. As used in this chapter, "cancellation fee waiver" means a contractual agreement between a supplier of travel services and its customer to waive some or all of the nonrefundable cancellation fee provisions of the supplier's underlying travel contract with or without regard to the reason for the cancellation or form of reimbursement. A cancellation fee waiver is not insurance.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-13-34-14 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-14
Examinations by commissioner
Status: in_force

Sec. 14. (a) The commissioner may examine a limited service health maintenance organization as often as is reasonably necessary to protect the interests of Indiana citizens. However, an examination of a limited service health maintenance organization domiciled in Indiana must be conducted at least one (1) time every three (3) years.

(b) A limited service health maintenance organization:

(1) shall make its relevant books and records, and the books and records in its custody and control, available for examination under this section; and

(2) in every way cooperate with the commissioner to facilitate the examination.

(c) The expenses of an examination under this section shall be paid by the organization being examined.

(d) Instead of conducting an examination of a limited service health maintenance organization that is not domiciled in Indiana, the commissioner may accept the report of an examination made by the chief administrative officer who regulates insurance in another state, if the other state is accredited by the NAIC.

As added by P.L.26-1994, SEC.25. Amended by P.L.124-2018, SEC.96.
Ind. Code § 27-5.1-2-13 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-13
Articles of incorporation; amendment
Status: in_force

Sec. 13. (a) Unless a farm mutual insurance company's articles of incorporation specify otherwise, the articles of incorporation of a farm mutual insurance company may be amended by an affirmative vote of two-thirds (2/3) of the farm mutual insurance company's policyholders who are voting in person or by proxy at any policyholder meeting if the policyholders are given at least thirty (30) days notice of:

(1) the meeting; and

(2) the subject matter of the proposed amendments.

(b) After a farm mutual insurance company has adopted an amendment to the farm mutual insurance company's articles of incorporation, three (3) copies of the amendment must be filed with the commissioner.

(c) The commissioner shall determine whether to approve an amendment specified under subsection (b) and, if the amendment is approved, shall return a copy of the filed amendment and a certificate of approval to the farm mutual insurance company.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-8-16-5.2 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-5.2
Certificate of registration; application; requirements; application fee
Status: in_force

Sec. 5.2. (a) A person may not act as a claim review consultant concerning health care services delivered to an enrollee in Indiana unless the person holds a certificate of registration issued by the department under this chapter.

(b) To obtain a certificate of registration under this chapter, a person must submit to the department an application containing the following:

(1) The name, address, telephone number, and normal business hours of the person.

(2) The name and telephone number of a person that the department may contact concerning the information in the application.

(3) Documentation necessary for the department to determine that the person is capable of satisfying the minimum requirements set forth in this chapter.

(c) An application submitted under this section must be:

(1) signed and verified by the applicant; and

(2) accompanied by an application fee in the amount established under subsection (d).

The commissioner shall deposit an application fee collected under this subsection into the department of insurance fund established by IC 27-1-3-28.

(d) The department shall set the amount of the application fee required by subsection (c) and section 6(a) of this chapter in the rules adopted under section 14 of this chapter. The amount may not be more than is reasonably necessary to generate revenue sufficient to offset the costs incurred by the department in carrying out the department's responsibilities under this chapter.

(e) The department shall issue a certificate of registration to a claim review consultant that satisfies the requirements of this section.

As added by P.L.260-1995, SEC.5. Amended by P.L.173-2007, SEC.37; P.L.234-2007, SEC.194.
Ind. Code § 27-11-1-9 — Indiana Code / Title 27 / Article 11 / Chapter 1 / Section 27-11-1-9
"Premiums" defined
Status: in_force

Sec. 9. "Premiums" includes rates, dues, or other required contributions by whatever name known that are payable under the certificate.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-8-24-4 — Indiana Code / Title 27 / Article 8 / Chapter 24 / Section 27-8-24-4
Postpartum hospital stay; HIV testing of newborns; payment
Status: in_force

Sec. 4. (a) Except as provided in section 5 of this chapter, every policy or group contract that provides maternity benefits must provide minimum benefits to a mother and her newborn child that cover:

(1) a minimum length of postpartum stay at a hospital licensed under IC 16-21 that is consistent with the minimum postpartum hospital stay recommended by the American Academy of Pediatrics and the American College of Obstetricians and Gynecologists in their Guidelines for Perinatal Care;

(2) the examinations to the newborn child required under IC 16-41-17-2; and

(3) the testing of the newborn child required under IC 16-41-6-4.

(b) Payment to a hospital for a test required under IC 16-41-6-4 must be in an amount equal to the hospital's actual cost of performing the test.

As added by P.L.194-1996, SEC.1. Amended by P.L.91-1999, SEC.5; P.L.237-2003, SEC.17.
Ind. Code § 27-8-17-2 — Indiana Code / Title 27 / Article 8 / Chapter 17 / Section 27-8-17-2
"Department" defined
Status: in_force

Sec. 2. As used in this chapter, "department" refers to the department of insurance.

As added by P.L.128-1992, SEC.1.
Ind. Code § 27-1-1.5-13 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-13
"Current Procedural Terminology"; "CPT"
Status: in_force

Sec. 13. "Current Procedural Terminology" or "CPT" refers to the Current Procedural Terminology coding system that is:

(1) published by the American Medical Association; and

(2) in effect on January 1, 2018.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-1-28-19 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-19
Continuing education
Status: in_force

Sec. 19. (a) Except as provided in subsection (b), an individual who holds a license under this chapter shall, every two (2) years, satisfactorily complete a minimum of twenty-four (24) hours of continuing education courses and report the completion of the courses to the commissioner.

(b) This section does not apply to the following:

(1) An individual who is licensed for less than twelve (12) months before the end of the applicable continuing education biennium.

(2) A licensed nonresident independent adjuster who has met the continuing education requirements of the licensed nonresident independent adjuster's designated home state.

(3) An individual holding a current claims certification if:

(A) the claims certification is issued by a national or state claims association whose certification program is approved by the department for purposes of this section;

(B) the number of hours of study required to complete the certification program described in clause (A) is not less than the number of hours of continuing education that an individual is required to complete every two (2) years under subsection (a);

(C) the content of the certification program described in clause (A):

(i) includes the content of the prelicensing course of study required by section 12(b)(5) of this chapter for the line of authority in which the individual has applied for or obtained licensing under this chapter; and

(ii) is made available for review and audit by the commissioner through an electronic portal maintained by the claims association;

(D) the claims association referred to in clause (A) is approved as a continuing education provider in Indiana;

(E) the claims association referred to in clause (A) reports the individual's completion of the certification program described in clause (A) to the commissioner through an electronic portal maintained by the commissioner; and

(F) the claims association referred to in clause (A), through an electronic portal maintained by the claims association, provides the commissioner access to the individual's transcript showing the individual's completion of the certification program described in clause (A).

As added by P.L.11-2011, SEC.22. Amended by P.L.130-2020, SEC.8; P.L.32-2021, SEC.83.
Ind. Code § 27-7-18-7 — Indiana Code / Title 27 / Article 7 / Chapter 18 / Section 27-7-18-7
"Person"
Status: in_force

Sec. 7. As used in this chapter, "person" means an individual, a corporation, a limited liability company, a partnership, or any other legal entity.

As added by P.L.17-2024, SEC.19.
Ind. Code § 27-8-3-24 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-24
Violations; revocation of power to do business
Status: in_force

Sec. 24. An officer or agent of any corporation, association, or society subject to this chapter who fails to comply with this chapter, knowingly makes in any report or statement any false or fraudulent statement, or refuses to permit the insurance commissioner or any examiner duly authorized by him for the purpose to make examination of its condition and business, books, papers, and vouchers commits a Class C infraction. A person who fails to comply with or violates this chapter commits a Class C infraction. If an examination of the condition and business of any such corporation, association, or society transacting business in this state is prevented by an offense under this section, the insurance commissioner shall revoke the certificate of authority issued to such corporation, association, or society, and it is unlawful for it to do business in this state until it has submitted to an examination, and the insurance commissioner has issued to it a new certificate of authority authorizing it to continue business in this state.

Formerly: Acts 1897, c.195, s.24. As amended by Acts 1978, P.L.2, SEC.2727.
Ind. Code § 27-2-25-2 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-2
"Covered individual"
Status: in_force

Sec. 2. As used in this chapter, "covered individual" means an individual who is entitled to coverage from a health carrier.

As added by P.L.93-2020, SEC.13.
Ind. Code § 27-8-5.7-0.5 — Indiana Code / Title 27 / Article 8 / Chapter 5.7 / Section 27-8-5.7-0.5
Applicability
Status: in_force

Sec. 0.5. Sections 6.7 and 11.5 of this chapter, as added in the 2026 session of the general assembly, and section 10 of this chapter, as amended in the 2026 session of the general assembly, apply to claims submitted under an accident and sickness insurance policy that:

(1) is issued, delivered, amended, or renewed after June 30, 2026; and

(2) provides coverage during a plan year beginning after December 31, 2026.

As added by P.L.88-2026, SEC.7.
Ind. Code § 27-8-5-15.5 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-15.5
Inpatient services for treatment of mental illness or substance abuse
Status: in_force

Sec. 15.5. (a) The following terms are defined for use in this section:

"Alcohol abuse" has the meaning set forth in IC 12-7-2.1-17.

"Community mental health center" has the meaning set forth in IC 12-7-2.1-77 and IC 12-7-2.1-78.

"Division of mental health and addiction" refers to the division created under IC 12-21-1-1.

"Drug abuse" has the meaning set forth in IC 12-7-2.1-128.

"Indiana department of health" refers to the department established by IC 16-19-1-1.

"Inpatient services" means services that require the beneficiary of the services to remain overnight in the facility in which the services are offered.

"Mental illness" has the meaning set forth in IC 12-7-2.1-226(1).

"Psychiatric hospital" has the meaning set forth in IC 12-7-2.1-270.

"Substance abuse" means drug abuse or alcohol abuse.

(b) An insurance policy that provides coverage for inpatient services for the treatment of:

(1) mental illness;

(2) substance abuse; or

(3) both mental illness and substance abuse;

may not exclude coverage for inpatient services for the treatment of mental illness or substance abuse that are provided by a community mental health center or by any psychiatric hospital licensed by the Indiana department of health or the division of mental health and addiction to offer those services.

As added by P.L.258-1985, SEC.1. Amended by P.L.2-1992, SEC.784; P.L.2-1993, SEC.150; P.L.215-2001, SEC.104; P.L.56-2023, SEC.245; P.L.145-2026, SEC.147.
Ind. Code § 27-6-8-8 — Indiana Code / Title 27 / Article 6 / Chapter 8 / Section 27-6-8-8
Plan of operation
Status: in_force

Sec. 8. (a)(i) The association shall submit to the commissioner a plan of operation and any amendments thereto necessary or suitable to assure the fair, reasonable, and equitable administration of the association. The plan of operation and amendments thereto shall become effective upon approval in writing by the commissioner.

(ii) If the association fails to submit a suitable plan of operation by March 31, 1972, or if at any time thereafter the association fails to submit suitable amendments to the plan, the commissioner shall, after notice and hearing, adopt and promulgate reasonable rules as are necessary or advisable to effectuate the provisions of this chapter. Such rules shall continue in force until modified by the commissioner or superseded by a plan submitted by the association and approved by the commissioner.

(b) All member insurers shall comply with the plan of operation.

(c) The plan of operation shall:

(i) Establish the procedures whereby all the powers and duties of the association under section 7 of this chapter will be performed.

(ii) Establish procedures for handling assets of the association.

(iii) Establish the amount and method of reimbursing members of the board of directors under section 6 of this chapter.

(iv) Establish procedures by which claims may be filed with the association by the liquidator and establish acceptable forms of proof of covered claims. Notice of claims to the receiver or liquidator of the insolvent insurer shall be deemed notice to the association or its agent and a list of these claims shall be periodically submitted to the association or similar organization in another state by the receiver or liquidator.

(v) Establish regular places and times for meetings of the board of directors.

(vi) Establish procedures for records to be kept of financial transactions of the association, its agents, and the board of directors.

(vii) Provide that any member insurer aggrieved by any final action or decision of the association may appeal to the commissioner within thirty (30) days after the action or decision.

(viii) Establish the procedures whereby selections for the board of directors will be submitted to the commissioner.

(ix) Contain additional provisions necessary or proper for the execution of the powers and duties of the association.

(d) The plan of operation may provide that any or all powers and duties of the association, except those under section 7(a)(3) and 7(b)(3) of this chapter, are delegated to a corporation, association, or other organization which performs or will perform functions similar to those of this association, or its equivalent, in two (2) or more states. Such a corporation, association, or organization shall be reimbursed as a servicing facility would be reimbursed and shall be paid for its performance of any other functions of the association. A delegation under this subsection shall take effect only with the approval of both the board of directors and the commissioner, and may be made only to a corporation, association, or organization which extends protection not substantially less favorable and effective than that provided by this chapter.

Formerly: Acts 1971, P.L.390, SEC.1. As amended by P.L.252-1985, SEC.223; P.L.52-2013, SEC.6.
Ind. Code § 27-1-47-1 — Indiana Code / Title 27 / Article 1 / Chapter 47 / Section 27-1-47-1
Definitions; permitted activities
Status: in_force

Sec. 1. (a) The following definitions apply throughout this section:

(1) "Drawing" means an activity in which:

(A) multiple participating persons could possibly receive a prize; and

(B) the person or persons who receive a prize are determined by chance, as by randomly drawing one (1) or more names or numbers from among many names or numbers.

(2) "Gift" means the voluntary transfer of anything of value without consideration.

(3) "Prize" means something of value received by a person as the result of a drawing.

(b) Notwithstanding any other provision of this title, an insurer, an employee of an insurer, or an insurance producer may do the following:

(1) Offer and give one (1) or more gifts to a person in connection with marketing for the sale or retention of a contract of insurance if the reasonable value of all gifts given by the insurer, employee, or producer to a person in one (1) year does not exceed two hundred fifty dollars ($250).

(2) Conduct a drawing if:

(A) persons participating in the drawing do not pay or incur a cost for their participation; and

(B) the value of the prize or prizes received by any single person participating in the drawing does not exceed five hundred dollars ($500).

(c) Neither:

(1) a gift given under subsection (b)(1); nor

(2) a prize received in a drawing conducted under subsection (b)(2);

may be in the form of cash.

As added by P.L.196-2021, SEC.33. Amended by P.L.9-2022, SEC.50.
Ind. Code § 27-1-7-5 — Indiana Code / Title 27 / Article 1 / Chapter 7 / Section 27-1-7-5
Stock certificate; contents; transferability
Status: in_force

Sec. 5. In the case of a stock company, every shareholder shall be entitled to a certificate, or other evidence of stock ownership, signed by the president or a vice president and by the secretary or an assistant secretary, which shall state the name of the registered holder, the number of shares represented thereby and the par value of each share. Where such certificate is also signed by a transfer agent or registrar, or both, the signatures of any such president, vice president, secretary or assistant secretary may be facsimiled. The shares represented thereby shall be transferable on the books of the company in such manner and under such regulations, not inconsistent with the laws of this state relating to the transfer of shares of stock in corporations, as may be provided in the by-laws. If such company is authorized to issue shares of more than one (1) class, every certificate shall state the kind and class of shares represented thereby, and the relative rights, interests, preferences and restrictions of such class, or a summary thereof.

Formerly: Acts 1935, c.162, s.83; Acts 1963, c.144, s.1.
Ind. Code § 27-8-5-9 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-9
Exemption of certain individual policies
Status: in_force

Sec. 9. An individual accident and sickness insurance policy form or any form of rider or endorsement appertaining to such a policy form, which could have been lawfully used or delivered or issued for delivery to any person in this state immediately before February 20, 1953, may be used or delivered or issued for delivery to any such person at any time prior to January 1, 1956, without being subject to the provisions of sections 2, 3, and 4 of this chapter.

Formerly: Acts 1953, c.15, s.169.9. As amended by P.L.252-1985, SEC.307.
Ind. Code § 27-1-10-5 — Indiana Code / Title 27 / Article 1 / Chapter 10 / Section 27-1-10-5
Articles of dissolution; contents; executions; approval
Status: in_force

Sec. 5. The corporation shall then execute and file, in the manner provided in this chapter, articles of dissolution, setting forth the following:

(a) The name of the corporation.

(b) The place where its principal office is located.

(c) The date of the meeting of the shareholders, members, or policyholders at which the dissolution was authorized and a copy of the notice of such meeting.

(d) A copy of the resolution of the shareholders, members, or policyholders authorizing the dissolution.

(e) The manner of its adoption and the vote by which it was adopted.

(f) A copy of the notice published and mailed as provided in this chapter.

(g) The names and addresses of the then existing directors and officers of the corporation.

(h) A complete itemized list of all the corporate debts and liabilities of the corporation existing at the time of the adoption of such resolution and thereafter incurred, and the date and manner of payment of each such debt and liability.

(i) A complete itemized list of all the corporate assets and property distributed to its shareholders, members, or policyholders, the name of each such shareholder, member, or policyholder, the amount distributed to each, and the date of distribution.

The articles of dissolution shall be executed in triplicate originals, in the form prescribed by the department, and signed by the president or a vice president and the secretary or an assistant secretary of the corporation, and verified by the oaths of the officers signing the same, and shall be presented in triplicate originals to the department at its office accompanied by the proof of publication of the notice required by section 4 of this chapter. The department is hereby authorized, in its discretion, to approve or disapprove the articles of dissolution and proof of publication. If the department shall approve the articles of dissolution and proof of publication, it shall endorse its approval thereon as required in IC 27-1-6-8 and present the same to the attorney general of the state of Indiana for examination. In the event the attorney general approves the articles of dissolution and proof of publication he shall certify his approval thereon as required in IC 27-1-6-9 and return the same to the department when the articles of dissolution and proof of publication have been approved by the attorney general and returned to the department.

Formerly: Acts 1935, c.162, s.135. As amended by P.L.252-1985, SEC.50.
Ind. Code § 27-10-2-15 — Indiana Code / Title 27 / Article 10 / Chapter 2 / Section 27-10-2-15
Bail instead of money or bonds; refund
Status: in_force

Sec. 15. If money or bonds have been deposited, bail by sureties may be substituted therefor at any time before a breach of the undertaking, and the official taking the new bail shall make an order that the money or bonds be refunded to the person depositing the same and they shall be refunded accordingly and the original undertakings shall be cancelled.

As added by P.L.261-1985, SEC.1.
Ind. Code § 27-1-46-7 — Indiana Code / Title 27 / Article 1 / Chapter 46 / Section 27-1-46-7
"Nonemergency health care service"
Status: in_force

Sec. 7. As used in this chapter, "nonemergency health care service" means a discrete service or series of services ordered by a practitioner for an episode of care for the purpose of:

(1) diagnosis;

(2) prevention;

(3) treatment;

(4) cure; or

(5) relief;

of a physical, mental, or behavioral health condition, illness, injury, or disease that is not provided on an emergency or urgent care basis.

As added by P.L.93-2020, SEC.12.
Ind. Code § 27-13-34-17 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-17
Required deposit
Status: in_force

Sec. 17. (a) Each limited service health maintenance organization shall deposit in a joint-name account with:

(1) the commissioner; or

(2) any bank or bank and trust company or other financial institution acceptable to the commissioner through which a custodial or controlled account is used;

cash, securities acceptable to the commissioner, or any combination of these, in an amount equal to fifty thousand dollars ($50,000).

(b) For the purposes of section 16 of this chapter:

(1) a deposit made by an organization under this section shall be treated as an admitted asset of the organization in the determination of net worth; and

(2) all income from deposits of an organization under this section shall be an asset of the organization.

(c) An organization may withdraw:

(1) a deposit made under this section; or

(2) any part of the deposit;

after making a substitute deposit of equal amount and value.

(d) Any obligations of the United States government deposited with the commissioner under this section must be approved by the commissioner before being substituted under subsection (c).

(e) The deposit made by a limited service health maintenance organization under this section shall be used to protect the interest of the enrollees of the organization and to assure continuation of limited health care services to enrollees of a limited service health maintenance organization that is in rehabilitation or conservation.

(f) If a limited service health maintenance organization is placed in rehabilitation or liquidation, the deposit made by the organization under this section shall be an asset subject to IC 27-9.

(g) The commissioner is not required to but may reduce or eliminate the deposit requirement of this section for a limited service health maintenance organization if the organization:

(1) has made an acceptable deposit with the state or jurisdiction in which the organization is domiciled for the protection of all enrollees, wherever located; and

(2) delivers to the commissioner a certificate to that effect, authenticated by the appropriate state official holding the deposit.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-14.5-5-5 — Indiana Code / Title 27 / Article 14.5 / Chapter 5 / Section 27-14.5-5-5
Rights and privileges of mutual insurance holding company
Status: in_force

Sec. 5. (a) Except as provided in subsection (b), a mutual insurance holding company:

(1) has and may exercise all the rights and privileges of insurance companies formed under this title; and

(2) is subject to all of the requirements and regulations imposed upon insurance companies formed under this title.

(b) The exceptions referred to in subsection (a) are as follows:

(1) A mutual insurance holding company has no right or privilege to write insurance (except through a stock insurance company subsidiary) and is not subject to any requirement or rule adopted under IC 4-22-2 relating to the writing of insurance.

(2) A mutual insurance holding company is not subject to the surplus requirements in IC 27-1-6-15.

(3) A mutual insurance holding company is not subject to the deposit requirement in IC 27-1-6-15(d).

(4) A mutual insurance holding company is not subject to the investment requirements under IC 27-1-12, IC 27-1-13, or IC 27-1-23-2.6 that limit or restrict investments in subsidiaries.

(5) A mutual insurance holding company is not subject to risk-based capital requirements under IC 27-1-36.

(6) A mutual insurance holding company is not subject to a requirement under this title if the commissioner determines by order or rule adopted by the commissioner under IC 4-22-2 that the requirement does not apply to the mutual insurance holding company.

(7) A mutual insurance holding company is not subject to any requirement or rule adopted under IC 4-22-2 that is imposed upon insurance companies formed under this title to the extent that the requirement or rule is in conflict with this article.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-7-15-4 — Indiana Code / Title 27 / Article 7 / Chapter 15 / Section 27-7-15-4
"Motor vehicle insurance"
Status: in_force

Sec. 4. As used in this chapter, "motor vehicle insurance" means the type of insurance described in IC 27-1-5-1, Class 2(f).

As added by P.L.146-2015, SEC.32.
Ind. Code § 27-7-17-9 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-9
"Group travel insurance"
Status: in_force

Sec. 9. As used in this chapter, "group travel insurance" means travel insurance issued to any eligible group.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-1-36-4 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-4
"Authorized control level RBC"
Status: in_force

Sec. 4. As used in this chapter, the "authorized control level RBC" means, with respect to an insurer, the number determined under the risk-based capital formula in accordance with the RBC Instructions.

As added by P.L.186-1996, SEC.1. Amended by P.L.124-2018, SEC.56.
Ind. Code § 27-1-24.5-9 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-9
"Pharmacist"
Status: in_force

Sec. 9. As used in this chapter, "pharmacist" means an individual licensed as a pharmacist under IC 25-26.

As added by P.L.68-2020, SEC.1.
Ind. Code § 27-8-12-17 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-17
Group policies issued in another state; requirements
Status: in_force

Sec. 17. Group long term care insurance may not be offered to a resident of Indiana under a group policy issued in another state unless the commissioner determines that the group long term care insurance policy substantially complies with insurance requirements similar to those established under this chapter.

As added by P.L.114-1991, SEC.19.
Ind. Code § 27-13-8-1 — Indiana Code / Title 27 / Article 13 / Chapter 8 / Section 27-13-8-1
Filing
Status: in_force

Sec. 1. On or before March 1 of each year, a health maintenance organization must file with the commissioner a report that covers the preceding calendar year. The report must be:

(1) made on forms prescribed by the commissioner; and

(2) verified by at least two (2) principal officers of the health maintenance organization.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-8-18-4 — Indiana Code / Title 27 / Article 8 / Chapter 18 / Section 27-8-18-4
Purchase, ownership, or transfer of ownership; consent; insurable interest
Status: in_force

Sec. 4. (a) A charitable entity may:

(1) purchase;

(2) own; or

(3) be transferred ownership of;

a life insurance policy on the life of an individual if the individual consents to the charitable entity's purchase or ownership of the policy.

(b) A charitable entity that purchases or is transferred ownership of a life insurance policy under subsection (a) has an insurable interest in the life of the individual who consents to the charitable entity's purchase or ownership of the policy.

As added by P.L.129-1992, SEC.1.
Ind. Code § 27-7-3-1 — Indiana Code / Title 27 / Article 7 / Chapter 3 / Section 27-7-3-1
Citation
Status: in_force

Sec. 1. This chapter shall be known and may be cited as The Indiana Abstract and Title Insurance Law.

Formerly: Acts 1937, c.104, s.1. As amended by P.L.252-1985, SEC.247.
Ind. Code § 27-8-32.4-1 — Indiana Code / Title 27 / Article 8 / Chapter 32.4 / Section 27-8-32.4-1
Application
Status: in_force

Sec. 1. This chapter applies to a policy of accident and sickness insurance that is issued, amended, or renewed after June 30, 2015.

As added by P.L.209-2015, SEC.19.
Ind. Code § 27-14.5-2-5 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-5
Filing of application with insurance commissioner
Status: in_force

Sec. 5. Not later than ninety (90) days after the adoption of a plan of reorganization and before a vote on the plan by the members, the company adopting the plan of reorganization must file with the commissioner an application containing the following:

(1) A plan of reorganization.

(2) The form of the notice, proxy statement, and the proxy form to be used in providing notice of the plan of reorganization and soliciting the votes of members under section 11 of this chapter.

(3) A list of the officers and directors of each company that is affected by the plan of reorganization.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-8-19.8-24 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-24
Prerequisites to viatical settlement contract
Status: in_force

Sec. 24. A viatical settlement provider shall obtain the following before entering into a viatical settlement contract:

(1) If the viator is the insured, a written statement from a licensed attending physician that the insured is of sound mind and under no constraint or undue influence.

(2) A document signed by the viator and witnessed by two (2) disinterested witnesses in which the viator does the following:

(A) Consents to the viatical settlement contract.

(B) If the insured has a catastrophic or life threatening illness or condition, acknowledges the catastrophic or life threatening illness or condition.

(C) Represents that the viator has a full and complete understanding of the viatical settlement contract.

(D) Represents that the viator has a full and complete understanding of the benefits of the life insurance policy.

(E) Acknowledges that the viator has entered into the viatical settlement contract freely and voluntarily.

(F) Discloses the identity of any person that served as a viatical settlement broker in connection with the viatical settlement contract.

(3) A document in which the insured consents to the release of the insured's medical records.

As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.25; P.L.223-2005, SEC.8.
Ind. Code § 27-4-1.5-5 — Indiana Code / Title 27 / Article 4 / Chapter 1.5 / Section 27-4-1.5-5
"Motor vehicle" defined
Status: in_force

Sec. 5. As used in this chapter, "motor vehicle" has the meaning set forth in IC 9-13-2-105.

As added by P.L.194-1991, SEC.2. Amended by P.L.1-1992, SEC.150.
Ind. Code § 27-1-24.2-17 — Indiana Code / Title 27 / Article 1 / Chapter 24.2 / Section 27-1-24.2-17
Complaint for violation of chapter; investigation
Status: in_force

Sec. 17. (a) Any insured, pharmacy, or pharmacist impacted by an alleged violation of this chapter may file a complaint with the commissioner.

(b) The commissioner shall:

(1) review and investigate all complaints filed under this section; and

(2) issue, in writing, a determination to the insured, pharmacy, or pharmacist as to whether a violation occurred.

(c) An insurer, a pharmacy benefit manager, or any other administrator of pharmacy benefits shall:

(1) respond to; and

(2) comply with;

any requests made by the commissioner under this section.

As added by P.L.189-2025, SEC.1.
Ind. Code § 27-1-37.5-7 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-7
"Prior authorization"
Status: in_force

Sec. 7. As used in this chapter, "prior authorization" means the process by which a utilization review entity determines the medical necessity of an otherwise covered health care service before the health care service is rendered. The term includes a utilization review entity's requirement that a covered individual or health care provider notify the utilization review entity prior to providing a health care service.

As added by P.L.77-2018, SEC.2. Amended by P.L.144-2025, SEC.14.
Ind. Code § 27-8-10-3.5 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-3.5
Chronic disease and pharmaceutical management programs
Status: in_force

Sec. 3.5. (a) The association shall:

(1) approve and implement chronic disease management and pharmaceutical management programs based on:

(A) an analysis of the highest cost health care services covered under association policies;

(B) a review of chronic disease management and pharmaceutical management programs used in populations similar to insureds; and

(C) a determination of the chronic disease management and pharmaceutical management programs expected to best improve health outcomes in a cost effective manner;

(2) consider recommendations of the drug utilization review board established by IC 12-15-35-19 concerning chronic disease management and pharmaceutical management programs;

(3) when practicable, coordinate programs adopted under this section with comparable programs implemented by the state; and

(4) implement a copayment structure for prescription drugs covered under an association policy.

(b) A program approved and implemented under this section may not require prior authorization for a prescription drug that is prescribed for the treatment of:

(1) human immunodeficiency virus (HIV) or acquired immune deficiency syndrome (AIDS) and is included on the AIDS drug assistance program formulary adopted by the Indiana department of health under the federal Ryan White CARE Act (42 U.S.C. 300ff et seq.); or

(2) hemophilia according to recommendations of the:

(A) Advisory Committee on Blood Safety and Availability of the United States Department of Health and Human Services; or

(B) Medical and Scientific Advisory Council of the National Hemophilia Foundation.

(c) The copayment structure implemented under subsection (a) must be based on an annual actuarial analysis.

(d) A disease management program for which federal funding is available is considered to be approved by the association under this section.

(e) An insured who has a chronic disease for which at least one (1) chronic disease management program is approved under this section shall participate in an approved chronic disease management program for the chronic disease as a condition of coverage of treatment for the chronic disease under an association policy.

As added by P.L.193-2003, SEC.5. Amended by P.L.56-2023, SEC.246.
Ind. Code § 27-8-16-6 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-6
Certificate of registration; renewal; transfer; notice of change in information
Status: in_force

Sec. 6. (a) To remain in effect, a certificate of registration issued under this chapter must be renewed annually. To obtain the renewal of a certificate of registration, a claim review agent or a claim review consultant must submit an application to the commissioner. The application must be accompanied by a registration fee in the amount set under section 5(d) of this chapter. The commissioner shall deposit a registration fee collected under this subsection into the department of insurance fund established by IC 27-1-3-28.

(b) A certificate of registration issued under this chapter may not be transferred unless the department determines that the person to which the certificate of registration is to be transferred has satisfied the requirements of this chapter.

(c) If there is a material change in any of the information set forth in an application submitted under this chapter, the claim review agent or claim review consultant that submitted the application shall notify the department of the change in writing not more than thirty (30) days after the change.

As added by P.L.128-1992, SEC.2. Amended by P.L.260-1995, SEC.6; P.L.173-2007, SEC.38; P.L.234-2007, SEC.195; P.L.146-2015, SEC.35.
Ind. Code § 27-1-37.6-6 — Indiana Code / Title 27 / Article 1 / Chapter 37.6 / Section 27-1-37.6-6
"Fixed fee schedule"
Status: in_force

Sec. 6. As used in this chapter, "fixed fee schedule" means a total listing of fees used by a health plan to reimburse health care providers or facilities whether:

(1) the fixed fee schedule is based on or equal to Medicare reimbursement for the same health care service; or

(2) the health plan provides the fixed fee schedule to the health care provider.

As added by P.L.203-2023, SEC.19.
Ind. Code § 27-14.5-4-11 — Indiana Code / Title 27 / Article 14.5 / Chapter 4 / Section 27-14.5-4-11
Prerequisites to issuance of permit and certificate of authority
Status: in_force

Sec. 11. (a) Before the commissioner issues a permit for completion of organization of the mutual insurance holding company and a certificate of authority for the reorganized insurer under subsection (b), the commissioner must:

(1) issue notice to the applicant that the commissioner has approved the plan of reorganization of the applicant under this article; and

(2) receive the minutes of the meeting of the members at which the plan was approved under this article.

(b) After the events referred to in subsection (a), the commissioner shall issue:

(1) a permit for completion of organization of the mutual insurance holding company as provided in IC 27-1-6-11; and

(2) a certificate of authority for the reorganized insurer as provided in IC 27-1-8-9.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-2-1-1 — Indiana Code / Title 27 / Article 2 / Chapter 1 / Section 27-2-1-1
Administration of oaths
Status: in_force

Sec. 1. Actuaries of mutual fire insurance companies or associations organized by virtue of the laws of this state for the purpose of mutual insurance of the property of its members against loss by fire or damage by lightning, which property to be insured shall embrace dwelling-houses, barns, accompanying outbuildings and their contents, farm implements, hay, grain, wool and other farm products, live stock, wagons, carriages, harness, household goods, wearing apparel, provisions, musical instruments and libraries, such property being upon farms as farm property, shall have the authority to administer oaths to the insured and all persons necessary to be examined as witnesses in the adjustment of losses to the property of persons insured in said companies or associations where such loss was caused by fire or lightning.

Formerly: Acts 1891, c.158, s.1.
Ind. Code § 27-2-18-1 — Indiana Code / Title 27 / Article 2 / Chapter 18 / Section 27-2-18-1
"Asset acquisition" defined
Status: in_force

Sec. 1. (a) As used in this chapter, "asset acquisition" includes every purchase, lease, exchange, merger, consolidation, succession, or other acquisition.

(b) The term does not include the construction on or development of real property by or for the reporting insurer or the acquisition of materials for construction or development.

As added by P.L.251-1995, SEC.17.
Ind. Code § 27-1-44.5-2 — Indiana Code / Title 27 / Article 1 / Chapter 44.5 / Section 27-1-44.5-2
"Health payer"
Status: in_force

Sec. 2. As used in this chapter, "health payer" includes the following:

(1) Medicare.

(2) Medicaid or a managed care organization (as defined in IC 12-7-2.1-218) that has contracted with Medicaid to provide services to a Medicaid recipient.

(3) An insurer that issues a policy of accident and sickness insurance (as defined in IC 27-8-5-1), except for the following types of coverage:

(A) Accident only, credit, dental, vision, long term care, or disability income insurance.

(B) Coverage issued as a supplement to liability insurance.

(C) Automobile medical payment insurance.

(D) A specified disease policy.

(E) A policy that provides indemnity benefits not based on any expense incurred requirements, including a plan that provides coverage for:

(i) hospital confinement, critical illness, or intensive care; or

(ii) gaps for deductibles or copayments.

(F) Worker's compensation or similar insurance.

(G) A student health plan.

(H) A supplemental plan that always pays in addition to other coverage.

(4) A health maintenance organization (as defined in IC 27-13-1-19).

(5) A pharmacy benefit manager (as defined in IC 27-1-24.5-12).

(6) An administrator (as defined in IC 27-1-25-1).

(7) A multiple employer welfare arrangement (as defined in IC 27-1-34-1).

(8) An employee benefit plan that is subject to the federal Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 et seq.), including a third party administrator of an employee benefit plan.

(9) A state employee health plan (as defined in IC 5-10-8-6.7(a)).

(10) An insurance producer, for purposes of the required reporting under IC 27-1-15.6-13.6.

(11) Any other person identified by the commissioner for participation in the data base described in this chapter.

As added by P.L.50-2020, SEC.6. Amended by P.L.32-2021, SEC.84; P.L.195-2021, SEC.4; P.L.165-2022, SEC.6; P.L.190-2023, SEC.19; P.L.216-2025, SEC.45; P.L.145-2026, SEC.144.
Ind. Code § 27-13-1-9 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-9
"Coverage"
Status: in_force

Sec. 9. "Coverage" means the health care services to which a person is contractually entitled, either directly or indirectly, under a contract with a carrier.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-14.5-2-6 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-6
Contents of plan of reorganization
Status: in_force

Sec. 6. (a) A plan of reorganization filed with the commissioner under this chapter must include the following:

(1) A description of all significant terms of the proposed reorganization.

(2) Any plan to issue stock that may be proposed in connection with the plan of reorganization.

(3) A statement describing how the reorganization is fair and equitable to the members.

(4) With respect to participating policies and contracts of the reorganized insurer, a description of the current dividend practices of the mutual insurance company and the dividend practices to be followed by the reorganized insurer on and after the effective date of the plan of reorganization.

(5) Information sufficient to demonstrate that the financial condition of the mutual insurance company will not be diminished upon reorganization.

(6) Provisions that provide the following:

(A) Immediate membership in the mutual insurance holding company for all existing members of the mutual insurance company.

(B) A member's interest in a mutual insurance holding company may not be transferred, assigned, pledged, or alienated in any manner except in connection with a transfer, assignment, pledge, or alienation of the policy from which the member's interest is derived.

(C) A member's interest in a mutual insurance holding company will automatically terminate upon the lapse or other termination of the policy from which the member's interest is derived.

(7) Provisions for the discretionary granting of membership interests for existing or future policyholders of the reorganized insurer and any other existing or future direct or indirect stock insurance company subsidiary.

(8) Provisions to ensure that, in the event of proceedings for rehabilitation or liquidation involving a stock insurance company subsidiary of the mutual insurance holding company, the assets of the mutual insurance holding company will be available to satisfy the policyholder obligations of the stock insurance company subsidiary.

(9) The proposed articles of incorporation and bylaws of the mutual insurance holding company, intermediate stock holding company, and reorganized insurer or proposed amendments thereto as necessary to effectuate the reorganization.

(10) A certification that the plan of reorganization has been duly adopted by a vote of not less than two-thirds (2/3) of the members of the board of directors of the mutual insurance company.

(11) The names, addresses, and occupational information of all corporate officers and all members of the board of directors of the proposed mutual insurance holding company.

(12) A description of any plans for the initial sale of stock of the intermediate stock holding company or reorganized insurer.

(13) With regard to a policy of the mutual insurance company in force on the effective date of a plan of reorganization, a provision that provides the policy continues to remain in force under the policy's terms as the policy of the reorganized insurer.

(14) Any other information requested by the commissioner.

(b) A plan of reorganization that is filed with the commissioner under this chapter may also include any other provision acceptable to the commissioner.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-13-7-9 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-9
Approval of forms by commissioner
Status: in_force

Sec. 9. Subject to sections 10 and 11 of this chapter:

(1) a group or an individual contract;

(2) an evidence of coverage; or

(3) an amendment to:

(A) a group or an individual contract; or

(B) an evidence of coverage;

may not be delivered or issued for delivery in Indiana unless the form has been filed with and approved by the commissioner.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-33-6 — Indiana Code / Title 27 / Article 1 / Chapter 33 / Section 27-1-33-6
Acting in capacity of MGA with respect to risks; prohibitions; bond; errors and omissions policy
Status: in_force

Sec. 6. (a) A person, a firm, an association, or a corporation may not act in the capacity of an MGA with respect to risks located in Indiana for an insurer licensed in Indiana unless that person is a licensed producer in Indiana.

(b) A person, a firm, an association, or a corporation may not act in the capacity of an MGA representing an insurer domiciled in Indiana with respect to risks located outside Indiana unless that person is licensed as a producer in Indiana pursuant to the provisions of this chapter. For the purposes of this subsection, a person is licensed as a producer in Indiana if that person holds a nonresident license.

(c) The commissioner may require a bond in an amount determined by the commissioner for the protection of the insurer.

(d) The commissioner may require an MGA to maintain an errors and omissions policy.

As added by P.L.1-1992, SEC.148.
Ind. Code § 27-7-18.7-5 — Indiana Code / Title 27 / Article 7 / Chapter 18.7 / Section 27-7-18.7-5
Options for co-owners of a condominium to obtain property and casualty insurance coverage; continuing obligation of co-owners to provide coverage
Status: in_force

Sec. 5. (a) This section applies to a condominium in which all of the condominium units:

(1) were designed and built for occupancy by not more than two (2) separate families; and

(2) contain not more than two (2) separate living quarters.

(b) Notwithstanding IC 32-25-8-9, the co-owners of a condominium described in subsection (a) may obtain property and casualty insurance coverage for the condominium units through one (1) of the following methods:

(1) By purchasing a master policy for property and casualty insurance.

(2) By allowing each co-owner to purchase property and casualty insurance on an individual basis.

(c) This section may not be construed to relieve the co-owners from any obligation under IC 32-25-8-9 to provide insurance coverage under a master policy for:

(1) the land on which the condominium is located;

(2) swimming pools and other recreational facilities; or

(3) any other parts of the condominium existing for common use.

As added by P.L.86-2026, SEC.25.
Ind. Code § 27-1-50.3-7 — Indiana Code / Title 27 / Article 1 / Chapter 50.3 / Section 27-1-50.3-7
Submission of request for approval of fee; authorization to negotiate
Status: in_force

Sec. 7. The office shall submit a written request to the United States Department of Health and Human Services for approval of the managed care assessment fee on or after June 30, 2025. Subject to the requirements of this chapter, the office is authorized to negotiate with the United States Department of Health and Human Services regarding the terms and conditions for the implementation and maintenance of the fee.

As added by P.L.216-2025, SEC.47.
Ind. Code § 27-1-15.9-8 — Indiana Code / Title 27 / Article 1 / Chapter 15.9 / Section 27-1-15.9-8
"Supervising entity"
Status: in_force

Sec. 8. As used in this chapter, "supervising entity" means a business entity that:

(1) is an:

(A) insurer; or

(B) insurance producer;

that is licensed under this title; and

(2) issues, or is appointed by the insurer that issues, a portable electronics insurance policy that is sold, solicited, or negotiated by a vendor;

to supervise the activities of the vendor related to the portable electronics insurance policy.

As added by P.L.4-2012, SEC.3.
Ind. Code § 27-1-36-25 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-25
RBC report; requirements; filing
Status: in_force

Sec. 25. (a) A domestic insurer shall prepare a report of the RBC levels of the insurer as of the last day of the calendar year most recently ended. The report must:

(1) be in the form; and

(2) contain the information;

required by the RBC Instructions.

(b) On or before March 1 of each year, a domestic insurer shall file the RBC report described in subsection (a) with:

(1) the commissioner;

(2) the NAIC, in accordance with the RBC Instructions; and

(3) the insurance commissioner in any state other than Indiana in which the insurer is authorized to do business, if the insurance commissioner has notified the insurer in writing of the commissioner's request for the insurer's RBC report.

An insurer is not required to pay a fee when filing an RBC report under this subsection.

(c) If an insurer is required under subsection (b)(3) to file its RBC report with the insurance commissioner of a state other than Indiana, the insurer shall file the RBC report with the insurance commissioner of that state not later than:

(1) fifteen (15) days after the insurer receives the notice; or

(2) March 1 of the calendar year in which the insurer receives the notice;

whichever occurs later.

As added by P.L.186-1996, SEC.1. Amended by P.L.124-2018, SEC.60.
Ind. Code § 27-1-15.7-6 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-6
Repealed
Status: repealed

As added by P.L.132-2001, SEC.4. Amended by P.L.64-2004, SEC.27; P.L.73-2006, SEC.2. Repealed by P.L.158-2024, SEC.3.
Ind. Code § 27-8-4-1 — Indiana Code / Title 27 / Article 8 / Chapter 4 / Section 27-8-4-1
Purpose
Status: in_force

Sec. 1. The purpose of this chapter is to promote the public welfare through the establishment of unified and consistent rules relating to the implementation and administration of the laws of this state pertaining to credit life insurance and credit accident and health insurance, as such insurances are defined and limited in this chapter.

Formerly: Acts 1961, c.47, s.1. As amended by P.L.252-1985, SEC.295.
Ind. Code § 27-1-13-11 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-11
Insurance rating bureaus; meetings; appearance by aggrieved persons
Status: in_force

Sec. 11. At all such meetings of the governing body held at Indianapolis, Indiana, as set out in section 10 of this chapter, any aggrieved policyholder, insurance producer, company, representative, or any other aggrieved person may appear before such meeting to have complaints heard in full, and it shall be the duty of such rating bureau to rectify such conditions as are justly complained of in such manner as is reasonably possible.

Formerly: Acts 1935, c.162, s.180b; Acts 1947, c.269, s.2. As amended by P.L.252-1985, SEC.69; P.L.178-2003, SEC.19.
Ind. Code § 27-13-39-1 — Indiana Code / Title 27 / Article 13 / Chapter 39 / Section 27-13-39-1
Procedures regarding experimental treatments
Status: in_force

Sec. 1. (a) A health maintenance organization shall develop and implement a procedure to evaluate whether to provide coverage for new medical technologies and new applications of existing medical technologies, including medical treatments, procedures, drugs, and devices.

(b) A health maintenance organization shall maintain the procedure required under subsection (a) in writing. The written procedure shall describe the process used to determine whether the health maintenance organization will provide coverage for new medical technologies and new uses of existing medical technologies.

(c) The procedure required under this section shall include a review of information from appropriate governmental regulatory bodies and published scientific literature about new medical technologies and new uses of existing medical technologies.

(d) A health maintenance organization shall include appropriate professionals in the decision making process to determine whether new medical technologies and new uses of existing medical technologies qualify for coverage.

As added by P.L.69-1998, SEC.17.
Ind. Code § 27-1-45.2-13 — Indiana Code / Title 27 / Article 1 / Chapter 45.2 / Section 27-1-45.2-13
Prohibition on administrative fees or penalties for care involving out of network providers
Status: in_force

Sec. 13. (a) A health carrier may not assess a facility or a provider an administrative fee or penalty related to the provision of care to an individual that involves an out of network provider.

(b) If a health carrier assesses an administrative fee or penalty under subsection (a), the health carrier commits an unfair and deceptive act or practice in the business of insurance under IC 27-4-1-4 and is subject to the penalties and procedures set forth in IC 27-4-1.

As added by P.L.119-2026, SEC.1.
Ind. Code § 27-1-37.5-1.9 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-1.9
"Cosmetic surgery"
Status: in_force

Sec. 1.9. (a) As used in this chapter, "cosmetic surgery" means any procedure that:

(1) is directed at improving the patient's appearance; and

(2) does not meaningfully:

(A) promote the proper function of the body; or

(B) prevent or treat illness or disease.

(b) The term does not include the following:

(1) A procedure that is necessary to ameliorate a deformity arising from or directly related to a:

(A) congenital abnormality;

(B) personal injury resulting from an accident or trauma; or

(C) disfiguring disease.

(2) A procedure related to the treatment of breast cancer.

As added by P.L.144-2025, SEC.7.
Ind. Code § 27-16-2-11 — Indiana Code / Title 27 / Article 16 / Chapter 2 / Section 27-16-2-11
"Person"
Status: in_force

Sec. 11. "Person" means an individual, a partnership, a corporation, a limited liability company, an association, or another legally recognized entity.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-17-3-2 — Indiana Code / Title 27 / Article 17 / Chapter 3 / Section 27-17-3-2
Denial or revocation of registration
Status: in_force

Sec. 2. A discount medical card program organization's failure to:

(1) comply with an action of the department under section 1 of this chapter; or

(2) pay expenses incurred under section 1 of this chapter;

is grounds for denial or revocation of a registration issued under IC 27-17-2.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-15.6-27 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-27
Solicitor's license
Status: in_force

Sec. 27. A person who held a valid solicitor's license on July 1, 1977, is subject to the same rights and responsibilities under a solicitor's license as the rights and responsibilities that were in effect before enactment of this chapter.

As added by P.L.132-2001, SEC.3.
Ind. Code § 27-1-24.5-27 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-27
Contracts of pharmacy services administrative organizations
Status: in_force

Sec. 27. A pharmacy services administrative organization shall, upon request, fully disclose to an independent pharmacy on whose behalf the pharmacy services administrative organization acts the terms of a contract between the pharmacy services administrative organization and any other person or entity concerning the actions taken by the pharmacy services administrative organization on behalf of the independent pharmacy.

As added by P.L.68-2020, SEC.1.