Ind. Code § 27-11-8-6 — Indiana Code / Title 27 / Article 11 / Chapter 8 / Section 27-11-8-6
Noncompliance with limitations on transaction of business; injunction; hearing; liquidation of society; receivership; voluntary determination to discontinue business
Status: in_force

Sec. 6. (a) When the commissioner upon investigation finds that a domestic society:

(1) has exceeded its powers;

(2) has failed to comply with this chapter;

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

(4) has a membership of less than four hundred (400) after an existence of one (1) year or more; or

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

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. After 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 it should not be enjoined from carrying on any business until the violation complained of shall have been corrected, or why an action in quo warranto should not be commenced against the society.

(b) If on that date the society does not present good and sufficient reasons why it should not be enjoined or why action should not be commenced, the commissioner may present the facts relating thereto to the attorney general who shall, if the attorney general considers the circumstances warrant, commence an action to enjoin the society from transacting business or in quo warranto.

(c) The court shall notify the officers of the society of a hearing. If after a full hearing it appears that the society should be enjoined or liquidated or a receiver appointed, the court shall enter the necessary order. No society so enjoined shall have the authority to do business until:

(1) the commissioner finds that the violation complained of has been corrected;

(2) the costs of the action have been paid by the society if the court finds that the society was in default as charged;

(3) the court has dissolved its injunction; and

(4) the commissioner has reinstated the certificate of authority.

(d) If the court orders the society liquidated, it shall be enjoined from carrying on any further business, whereupon the receiver of the society shall proceed at once to take possession of the books, papers, money, and other assets of the society and, under the direction of the court, proceed to close the affairs of the society and to distribute its funds to those entitled to the funds.

(e) No action under this section shall be recognized in any court of this state unless brought by the attorney general upon request of the commissioner. Whenever a receiver is to be appointed for a domestic society, the court shall appoint the commissioner as the receiver.

(f) The provisions of this section relating to hearing by the commissioner, action by the attorney general at the request of the commissioner, hearing by the court, injunction, and receivership shall be applicable to a society that shall voluntarily determine to discontinue business.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-1-10-6 — Indiana Code / Title 27 / Article 1 / Chapter 10 / Section 27-1-10-6
Articles of dissolution; duties of secretary of state
Status: in_force

Sec. 6. Then the department shall present the same to the secretary of state for the state of Indiana. If the secretary of state finds that the articles of dissolution and proof of publication conform to law he shall indorse his approval upon each of the triplicate copies of the articles, and the proof of publication, and when all fees have been paid as required by law, he shall file one (1) copy of the articles of dissolution and the proof of publication in his office and issue a certificate of dissolution to the corporation, and shall return the certificate of dissolution to the corporation together with the two (2) remaining copies of the articles of dissolution, bearing the indorsement of his approval, to the corporation or its representatives.

Formerly: Acts 1935, c.162, s.136.
Ind. Code § 27-1-2.3-3 — Indiana Code / Title 27 / Article 1 / Chapter 2.3 / Section 27-1-2.3-3
"Covered individual"
Status: in_force

Sec. 3. As used in this chapter, "covered individual" means an individual who is entitled to coverage under a health plan.

As added by P.L.170-2022, SEC.36.
Ind. Code § 27-2-28-4 — Indiana Code / Title 27 / Article 2 / Chapter 28 / Section 27-2-28-4
"Insured"
Status: in_force

Sec. 4. As used in this chapter, "insured" means an individual who is the first named insured on the declarations page of a personal automobile or homeowner's policy.

As added by P.L.226-2023, SEC.20.
Ind. Code § 27-8-8-6.5 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-6.5
Association requests for information
Status: in_force

Sec. 6.5. (a) The association may request information from a member insurer to aid in the exercise of the association's power under sections 6 and 6.2 of this chapter.

(b) A member insurer that receives a request under subsection (a) shall promptly comply with the request.

As added by P.L.193-2006, SEC.20.
Ind. Code § 27-8-15-12 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-12
"New business premium rate"
Status: in_force

Sec. 12. As used in this chapter, "new business premium rate" means the premium rate charged or offered by the small employer insurer to small employers with similar case characteristics and benefit design characteristics for newly issued health insurance plans.

As added by P.L.127-1992, SEC.1.
Ind. Code § 27-11-1-6 — Indiana Code / Title 27 / Article 11 / Chapter 1 / Section 27-11-1-6
"Commissioner" defined
Status: in_force

Sec. 6. "Commissioner" refers to the insurance commissioner of this state.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-8-12-7 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-7
Policy disclosure standards; marketing practices; continuing education; penalties; reporting practices; rules
Status: in_force

Sec. 7. (a) The insurance commissioner shall adopt rules under IC 4-22-2 establishing standards of full and fair disclosure concerning long term care insurance policies. The standards must require disclosure of information concerning the following:

(1) The sale of the policies.

(2) Terms of renewability.

(3) Initial and subsequent terms of eligibility.

(4) Nonduplication of coverage provisions.

(5) Coverage of dependents.

(6) Preexisting conditions.

(7) Termination of insurance coverage.

(8) Probationary periods.

(9) Limitations on coverage.

(10) Exceptions to coverage.

(11) Reductions from coverage.

(12) Elimination periods.

(13) Requirements for replacement.

(14) Recurrent conditions.

(15) Definitions of terms.

(16) Continuation or conversion of coverage.

(b) The insurance commissioner shall adopt rules under IC 4-22-2 to establish minimum standards concerning:

(1) marketing practices;

(2) insurance producer continuing education;

(3) penalties; and

(4) reporting practices;

for long term care insurance.

(c) Rules adopted by the insurance commissioner under this section must:

(1) recognize the unique, developing, and experimental nature of long term care insurance; and

(2) where necessary or appropriate, recognize the distinctions between group insurance policies and individual insurance policies.

As added by P.L.275-1987, SEC.1. Amended by P.L.114-1991, SEC.10; P.L.178-2003, SEC.65.
Ind. Code § 27-8-4.9-2 — Indiana Code / Title 27 / Article 8 / Chapter 4.9 / Section 27-8-4.9-2
"Health benefit plan"
Status: in_force

Sec. 2. (a) As used in this chapter, "health benefit plan" means a policy, contract, certificate, or agreement that is entered into, offered by, or issued by an insurer to provide, deliver, arrange for, pay for, or reimburse any of the costs of health care services.

(b) The term includes a health benefit plan that provides:

(1) vision coverage; or

(2) dental coverage.

As added by P.L.226-2023, SEC.23.
Ind. Code § 27-15-3-1 — Indiana Code / Title 27 / Article 15 / Chapter 3 / Section 27-15-3-1
Filing with commissioner
Status: in_force

Sec. 1. After the adoption by the board of directors of the resolution proposing the plan of conversion under IC 27-15-2 and the amendment to its articles of incorporation, the converting mutual shall file with the commissioner an application for approval of the plan and amendment.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-7-10-8 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-8
"Plan of operation or feasibility study" defined
Status: in_force

Sec. 8. As used in this chapter, "plan of operation or feasibility study" means an analysis that presents the expected activities and results of a risk retention group including, at a minimum, the following:

(1) Information sufficient to verify that the members of the risk retention group are engaged in businesses or activities similar or related with respect to the liability to which those members are exposed by virtue of any related, similar, or common business, trade, product, services, premises, or operations.

(2) For each state in which the risk retention group intends to operate, the coverages, deductibles, coverage limits, rates, and rating classification systems for each line of insurance the group intends to offer.

(3) Historical and expected loss experience of the proposed members of the risk retention group and national experience of similar exposures to the extent that this experience is reasonably available.

(4) Pro forma financial statements and projections.

(5) Appropriate opinions by a qualified, independent casualty actuary, including a determination of minimum premium or participation levels required to commence operations and to prevent a hazardous financial condition.

(6) Identification of management, underwriting, and claims procedures, marketing methods, managerial oversight methods, investment policies, and reinsurance agreements.

(7) Identification of each state in which the risk retention group has obtained, or sought to obtain, a charter and license, and a description of its status in each state.

(8) Such other matters as may be prescribed by the commissioner of the state in which the risk retention group is chartered for liability insurance companies authorized by the insurance laws of that state.

As added by P.L.162-1988, SEC.2.
Ind. Code § 27-1-12.5-0.1 — Indiana Code / Title 27 / Article 1 / Chapter 12.5 / Section 27-1-12.5-0.1
Application of certain amendments to chapter
Status: in_force

Sec. 0.1. The amendments made to sections 2 and 3 of this chapter by P.L.59-2004 apply to an annuity contract issued after June 30, 2004.

As added by P.L.220-2011, SEC.422.
Ind. Code § 27-5.1-2-41 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-41
Election to be subject to Indiana insurance law
Status: in_force

Sec. 41. (a) A farm mutual insurance company may elect to be subject to the provisions of IC 27-1, as provided by IC 27-1-11-1, with the rights, privileges, and franchises provided under IC 27-1.

(b) An election under subsection (a) becomes effective on the date of issuance of a new certificate of authority under IC 27-1-11-7.

(c) An insurance policy that is:

(1) issued or bound by a farm mutual insurance company that makes an election under subsection (a); and

(2) in effect on the date the election becomes effective;

is not invalidated by IC 27-1, but remains in full force and effect until expiration or termination of the insurance policy. However, IC 27-1 applies to an insurance policy described in this subsection beginning three (3) years after the date the election becomes effective.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-1-3-27 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-27
Order to limit or disallow payment of ordinary shareholder dividends
Status: in_force

Sec. 27. The department shall establish and follow a practice under which the department issues an order to limit or disallow the payment of ordinary shareholder dividends by a domestic insurer if the domestic insurer is found to be financially distressed or troubled.

As added by P.L.130-1994, SEC.6 and P.L.116-1994, SEC.10.
Ind. Code § 27-1-12.5-1 — Indiana Code / Title 27 / Article 1 / Chapter 12.5 / Section 27-1-12.5-1
"Annuity contract" defined
Status: in_force

Sec. 1. The term "annuity contract" as used in this chapter means:

(1) any individual deferred annuity contract; and

(2) any group annuity contract delivered or issued in connection with a plan providing individual retirement accounts or individual annuities under Section 408 of the Internal Revenue Code;

but does not refer to any other group annuity or to any reinsurance, premium deposit fund, variable annuity, investment annuity, immediate annuity, any deferred annuity contract after annuity payments have commenced, or reversionary annuity, and any annuity contract delivered outside this state through an agent or other representative of the company issuing the contract.

As added by Acts 1977, P.L.286, SEC.1. Amended by P.L.2-1987, SEC.36.
Ind. Code § 27-8-14.5-7 — Indiana Code / Title 27 / Article 8 / Chapter 14.5 / Section 27-8-14.5-7
Adoption of rules
Status: in_force

Sec. 7. The department may adopt rules under IC 4-22-2 to carry out this chapter.

As added by P.L.190-1997, SEC.1.
Ind. Code § 27-13-10-12 — Indiana Code / Title 27 / Article 13 / Chapter 10 / Section 27-13-10-12
Approval of grievance and appeals procedures
Status: in_force

Sec. 12. (a) Notwithstanding IC 27-13, the department shall approve the grievance and appeals procedures of a health maintenance organization if:

(1) the health maintenance organization certifies in writing to the department of the health maintenance organization's compliance with grievance and appeals procedures established by the federal Centers for Medicare and Medicaid Services of the United States Department of Health and Human Services; and

(2) the department certifies that the grievance and appeals procedures established by the federal Centers for Medicare and Medicaid Services of the United States Department of Health and Human Services are substantially similar to the grievance and appeals process in IC 27-13.

(b) Subsection (a) does not:

(1) limit the authority of the department;

(2) limit the responsibility of a health maintenance organization;

(3) release a health maintenance organization from the prohibitions established under section 11 of this chapter; or

(4) require a health maintenance organization to use a grievance and appeals procedure established by the federal Centers for Medicare and Medicaid Services of the United States Department of Health and Human Services.

As added by P.L.191-1997, SEC.12. Amended by P.L.66-2002, SEC.17.
Ind. Code § 27-1-3.5-11 — Indiana Code / Title 27 / Article 1 / Chapter 3.5 / Section 27-1-3.5-11
Report from independent auditor of financial condition irregularities; subsequent facts
Status: in_force

Sec. 11. (a) A domestic insurer required to file annual audited financial reports under this chapter shall require its independent auditor to report in writing to the board of directors or the board of director's audit committee, not more than five (5) business days after making a determination, the independent auditor's determination that:

(1) the domestic insurer has materially misstated to the commissioner the financial condition of the insurer as of the date of the balance sheet being examined by the independent auditor; or

(2) the domestic insurer does not meet the minimum capital and surplus requirements of Indiana as of the date of the balance sheet being examined by the independent auditor.

The domestic insurer who has received a report under this section shall forward a copy of the report to the commissioner within five (5) business days after receipt of the report and shall provide the independent accountant making the report with evidence of the report being furnished to the commissioner. An independent auditor who does not receive the evidence that the report was filed with the commissioner within the required five (5) business days shall furnish the commissioner a copy of the report within the next five (5) business days. An independent auditor may not be liable to any person for a statement made in connection with this subsection, if the statement is made in good faith compliance with this subsection.

(b) If the independent auditor of a domestic insurer, after the filing of the insurer's audited financial report under this chapter, becomes aware of facts that, if the independent auditor had been aware of the facts when writing its report, might have affected the independent auditor's report that was included in the insurer's audited financial report, the independent auditor shall take such action as is prescribed in the Professional Standards of the American Institute of Certified Public Accountants.

As added by P.L.244-1989, SEC.2. Amended by P.L.251-1995, SEC.10.
Ind. Code § 27-8-9-5 — Indiana Code / Title 27 / Article 8 / Chapter 9 / Section 27-8-9-5
Application of chapter
Status: in_force

Sec. 5. This chapter applies only to policies affording motor vehicle insurance coverage that are issued or renewed after August 31, 1983.

As added by Acts 1980, P.L.174, SEC.1. Amended by P.L.261-1983, SEC.1; P.L.226-1993, SEC.2.
Ind. Code § 27-8-15-17 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-17
Rating factors
Status: in_force

Sec. 17. (a) This chapter is not intended to affect the use by a small employer insurer of legitimate rating factors other than claim experience, health status, or duration of coverage in the determination of premium rates.

(b) A small employer insurer shall apply rating factors, including case characteristics, consistently with respect to all small employers in a plan with substantially the same benefit design characteristics.

As added by P.L.127-1992, SEC.1.
Ind. Code § 27-1-7-21 — Indiana Code / Title 27 / Article 1 / Chapter 7 / Section 27-1-7-21
Mutual companies; statement of maximum premium in policy; limitation of liability for single risk; reinsurance requirements
Status: in_force

Sec. 21. (a) The maximum premium shall be expressed in the policy of a mutual company and shall be solely a cash premium without contingent premium but no such company other than a life insurance company shall issue any policy providing limits of liability for any one (1) risk under any one (1) line of insurance in an amount exceeding five percent (5%) of its surplus, including contingent reserves, if any, until and unless it either possesses a surplus, including contingent reserves, if any, of at least four hundred thousand dollars ($400,000), or has reinsured in a reinsurer (or reinsurers) admitted to do business in this state and authorized to make such kind or kinds of reinsurance in this state all of such liability in excess of such amount or such greater amount as the commissioner may authorize and such reinsurance contract or contracts shall have been submitted to and approved by the commissioner. Such reinsurance contract or contracts shall be in such form as to enable the insured under such policy or the holder of a judgment against the insured for which such company is liable under such policy to maintain an action on such reinsurance contract or contracts against such reinsured company jointly with the reinsurer and, upon recovering judgment, to have recovery against such reinsurer or reinsurers for payment to the extent to which it or they may be liable under such reinsurance contract (or contracts) and in discharge thereof. In no event shall the unreinsured liability assumed under this section on any one (1) risk exceed the amount otherwise authorized by this article to be written upon any one (1) risk.

(b) Any determination of permissible limits of liability and amount of surplus pursuant to the provisions of subsection (a) shall be made as of December 31 immediately preceding except that in the case of a newly formed company such determination shall be made as of the date it receives the certificate of the department authorizing it to commence business.

(c) Any reinsurance contract submitted to and approved by the commissioner in accordance with the requirements of this section shall continue in full force and effect until notice of its termination or amendment has been filed with the commissioner, and in the case of an amendment has been approved by the commissioner.

(d) Subsection (a) shall apply only to companies organized under this article after July 26, 1967, except that any company in existence on July 26, 1967, under any of the insurance statutes of this state and to which subsection (a) would otherwise apply may, by appropriate action of its policyholders and board of directors, elect to comply with subsection (a).

(e) This section shall not affect nor invalidate any policy of any mutual insurance company in existence on July 26, 1967, issued pursuant to Acts 1935, c.162, s.98. Any such policy issued on or after July 26, 1967, by a mutual insurance company in existence on July 26, 1967, and the rights and obligations under the policy shall continue to be subject to the provisions of Acts 1935, c.162, s.98 until such company has exercised the right of election provided in this section and has complied with the provisions of this section.

Formerly: Acts 1935, c.162, s.98; Acts 1967, c.233, s.1. As amended by P.L.252-1985, SEC.31; P.L.136-2018, SEC.150.
Ind. Code § 27-1-12.3-4 — Indiana Code / Title 27 / Article 1 / Chapter 12.3 / Section 27-1-12.3-4
Loan value of policy; determination; termination of policy due to increase in interest rate
Status: in_force

Sec. 4. (a) The loan value of a policy shall be determined in accordance with IC 27-1-12-6(8); however, a policy shall not terminate in a policy year as the sole result of an increase in the interest rate and the failure of the policyholder to pay the amount of interest required by that increase during that policy year. In such event, the insurer shall maintain coverage during that policy year until the time at which the policy would otherwise have terminated if there had been no change during that policy year.

As added by Acts 1981, P.L.240, SEC.1.
Ind. Code § 27-2-23-20 — Indiana Code / Title 27 / Article 2 / Chapter 23 / Section 27-2-23-20
Rulemaking
Status: in_force

Sec. 20. The department may adopt rules under IC 4-22-2 to implement this chapter.

As added by P.L.90-2014, SEC.1.
Ind. Code § 27-2-25-9 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-9
"Practitioner"
Status: in_force

Sec. 9. (a) As used in this chapter, "practitioner" means:

(1) an individual who holds:

(A) an unlimited license, certificate, or registration;

(B) a limited or probationary license, certificate, or registration;

(C) a temporary license, certificate, registration, or permit;

(D) an intern permit; or

(E) a provisional license;

issued by the board (as defined in IC 25-0.5-11-1) regulating the profession in question; or

(2) an entity that:

(A) is owned by, or employs; or

(B) performs billing for professional health care services rendered by;

an individual described in subdivision (1).

(b) The term does not include the following:

(1) A dentist licensed under IC 25-14.

(2) An optometrist licensed under IC 25-24.

(3) A provider facility.

As added by P.L.93-2020, SEC.13. Amended by P.L.202-2021, SEC.17.
Ind. Code § 27-8-24-3 — Indiana Code / Title 27 / Article 8 / Chapter 24 / Section 27-8-24-3
"Maternity benefits"
Status: in_force

Sec. 3. As used in this chapter, "maternity benefits" refers to the provision of health care to a woman before, during, and after delivery of a child, including physician, hospital, laboratory, and ultrasound services.

As added by P.L.194-1996, SEC.1.
Ind. Code § 27-1-15.6-19.9 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-19.9
Travel insurance; limited lines travel insurance producer license; requirements
Status: in_force

Sec. 19.9. (a) The commissioner may issue a limited lines travel insurance producer license to a person that files an application with the commissioner for a limited lines travel producer insurance license in the form and manner prescribed by the commissioner. A limited lines travel insurance producer licensed under this subsection may sell, solicit, or negotiate travel insurance through a licensed insurer. A person may not act as a limited lines travel insurance producer unless properly licensed or as a travel insurance retailer unless properly registered.

(b) A travel retailer may offer and disseminate travel insurance under a limited lines travel insurance producer business entity license only if the following conditions are met:

(1) The travel retailer or limited lines travel insurance provider provides the following information to purchasers of a travel insurance policy:

(A) A description of the material terms or the actual material terms of the insurance coverage.

(B) A description of the process for filing a claim.

(C) A description of the review or cancellation process for the travel insurance policy.

(D) The identity and contact information of the insurer and limited lines travel insurance producer.

(2) At the time of licensure, the limited lines travel insurance producer establishes and maintains a register, on a form prescribed by the commissioner, of each travel retailer that offers travel insurance on behalf of the limited lines travel insurance producer. The register must be maintained and updated by the limited lines travel insurance producer and include the name, address, and contact information of the travel retailer, the individual who directs or controls the travel retailer's operations, and the travel retailer's federal tax identification number. The limited lines travel insurance producer must submit the register to the department upon reasonable request. The limited lines travel insurance producer must also certify the travel retailer registered complies with 18 U.S.C. 1033. The grounds for suspension and revocation and the penalties applicable to resident insurance producers under section 12 of this chapter apply to travel retailers and limited lines travel insurance producers operating under this subsection.

(3) The limited lines travel insurance producer designates an individual employee who is a licensed insurance producer as the designated responsible producer responsible for the travel retailer's compliance with the travel insurance laws and regulations applicable to the limited lines travel insurance producer and its registrants.

(4) The designated responsible producer, president, secretary, treasurer, and any other officer or individual who directs or controls the operations of the limited lines travel insurance producer complies with the fingerprinting requirements applicable to insurance producers in the resident state of the limited lines travel insurance producer.

(5) The limited lines travel insurance producer pays all applicable licensing fees required by state law.

(6) The limited lines travel insurance producer requires each employee and authorized representative of the travel retailer whose duties include offering and disseminating travel insurance to receive a training program, which is subject to the review and approval of the commissioner. The training material must, at a minimum, contain adequate instructions on the types of insurance offered, ethical sales practices, and required disclosures to prospective purchasers.

(c) A travel retailer that offers or disseminates travel insurance must make available to prospective purchasers any brochures or other written materials approved by the travel insurer. The brochures or other written materials must include, at a minimum, the following information:

(1) The identity and contact information of the insurer and the limited lines travel insurance producer.

(2) An explanation that the purchase of travel insurance is not required to purchase any other product or service from the travel retailer.

(3) An explanation that an unlicensed travel retailer is permitted to provide only general information about the travel insurance offered by the travel retailer, including a description of the coverage and price, but is not qualified or authorized to answer technical questions about the terms and conditions of the travel insurance offered by the travel retailer or to evaluate the adequacy of the prospective purchaser's existing insurance coverage.

(d) An employee or authorized representative of a travel retailer who is not licensed as an insurance producer may not:

(1) evaluate or interpret the technical terms, benefits, or conditions of the offered travel insurance coverage;

(2) evaluate or provide advice concerning a prospective purchaser's existing insurance coverage; or

(3) hold himself or herself out as a licensed insurer, licensed producer, or insurance expert.

(e) Notwithstanding any other law, a travel retailer whose insurance related activities, including the activities of its employees and authorized representatives, are limited to offering and disseminating travel insurance on behalf of and under the direction of a limited lines travel insurance producer as required under this section may receive related compensation upon registration by the limited lines travel insurance producer as required in subsection (b)(2).

(f) As an insurer's designee, a limited lines insurance producer is responsible for the acts of a travel retailer and shall use reasonable means to ensure compliance of the travel retailer with this section.

(g) Any person licensed in a major line of authority as an insurance producer is authorized to sell, solicit, and negotiate travel insurance. A property and casualty insurance producer is not required to become appointed by an insurer to sell, solicit, or negotiate travel insurance.

As added by P.L.19-2022, SEC.3.
Ind. Code § 27-1-51-7 — Indiana Code / Title 27 / Article 1 / Chapter 51 / Section 27-1-51-7
"Insurer"
Status: in_force

Sec. 7. As used in this chapter, "insurer" means an insurer that provides health insurance coverage to a covered individual.

As added by P.L.237-2025, SEC.10.
Ind. Code § 27-1-37.5-5.4 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-5.4
"Medically necessary"
Status: in_force

Sec. 5.4. As used in this chapter, "medically necessary" means a health care service that a prudent health care provider would provide to a patient for the purpose of preventing, diagnosing, or treating an illness, injury, disease, or symptoms in a manner that is:

(1) in accordance with generally accepted standards of medical practice;

(2) clinically appropriate in terms of type, frequency, extent, site, and duration; and

(3) not primarily for:

(A) the economic benefit of the health plan or purchaser; or

(B) the convenience of the health plan, patient, treating physician, or other health care provider.

As added by P.L.144-2025, SEC.13.
Ind. Code § 27-1-15.7-7 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-7
Rules
Status: in_force

Sec. 7. The commissioner may adopt rules under IC 4-22-2 to implement this chapter.

As added by P.L.132-2001, SEC.4.
Ind. Code § 27-6-8-16 — Indiana Code / Title 27 / Article 6 / Chapter 8 / Section 27-6-8-16
Immunity
Status: in_force

Sec. 16. (Immunity) There shall be no liability on the part of and no cause of action of any nature shall arise against any member insurer, the association or its agents or employees, the board of directors, or the commissioner or his representatives for any action taken by them in the performance of their powers and duties under this chapter.

Formerly: Acts 1971, P.L.390, SEC.1.
Ind. Code § 27-1-20-31 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-31
Restrictions on interlocking directorates
Status: in_force

Sec. 31. Insurance corporations may have interlocking directorates, provided no person at the same time shall be a director in two (2) or more insurance corporations where the effect may be to substantially lessen competition generally or tend to create a monopoly. Whenever the commissioner of insurance has reason to believe that there is a violation of this section, he shall have the authority to proceed to an adjudication of the violation under IC 4-21.5-3.

Formerly: Acts 1935, c.162, s.273a; Acts 1949, c.90, s.1. As amended by P.L.252-1985, SEC.101; P.L.7-1987, SEC.139.
Ind. Code § 27-6-10.1-4 — Indiana Code / Title 27 / Article 6 / Chapter 10.1 / Section 27-6-10.1-4
"Qualified U.S. financial institution"
Status: in_force

Sec. 4. Qualified U.S. Financial Institutions

A. For purposes of Section 3C of this chapter, a "qualified U.S. financial institution" means an institution that:

(1) is organized or (in the case of a U.S. office of a foreign banking organization) licensed, under the laws of the United States or any state thereof;

(2) is regulated, supervised, and examined by U.S. federal or state authorities having regulatory authority over banks and trust companies; and

(3) has been determined by either the commissioner or the Securities Valuation Office of the NAIC to meet such standards of financial condition and standing as are considered necessary and appropriate to regulate the quality of financial institutions whose letters of credit will be acceptable to the commissioner.

B. A "qualified U.S. financial institution" means, for purposes of those provisions of this chapter specifying those institutions that are eligible to act as a fiduciary of a trust, an institution that:

(1) is organized, or, in the case of a U.S. branch or agency office of a foreign banking organization, licensed, under the laws of the United States or any state thereof and has been granted authority to operate with fiduciary powers; and

(2) is regulated, supervised and examined by federal or state authorities having regulatory authority over banks and trust companies.

As added by P.L.130-2020, SEC.12.
Ind. Code § 27-13-34-22 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-22
Supervision, rehabilitation, or liquidation; remedies and measures
Status: in_force

Sec. 22. (a) Any supervision, rehabilitation, or liquidation of a limited service health maintenance organization shall be considered to be the supervision, rehabilitation, or liquidation of an insurance company and shall be conducted under IC 27-9.

(b) A limited service health maintenance organization is not subject to IC 27-6-8 or IC 27-8-8.

(c) The remedies and measures available to the commissioner under this chapter are in addition to and not in the place of the remedies and measures available to the commissioner under IC 27-9.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-2.3-9 — Indiana Code / Title 27 / Article 1 / Chapter 2.3 / Section 27-1-2.3-9
Expired
Status: repealed

As added by P.L.92-2023, SEC.2. Expired 1-1-2025 by P.L.92-2023, SEC.2.
Ind. Code § 27-7-10-12 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-12
"State" defined
Status: in_force

Sec. 12. As used in this chapter, "state" means any state of the United States or the District of Columbia.

As added by P.L.162-1988, SEC.2.
Ind. Code § 27-19-4-8 — Indiana Code / Title 27 / Article 19 / Chapter 4 / Section 27-19-4-8
Navigator appointment by application organization
Status: in_force

Sec. 8. (a) A navigator who works for an application organization must be appointed by the application organization in writing.

(b) If an application organization, because of a violation described in section 3 of this chapter, revokes the appointment of a navigator described in subsection (a) who works for the application organization, the application organization shall, not more than thirty (30) days after the revocation occurs:

(1) submit a written report to the commissioner concerning the revocation; and

(2) provide a copy of the report to the navigator at the navigator's last known address by:

(A) certified mail, return receipt requested, postage prepaid; or

(B) overnight delivery using a nationally recognized carrier.

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-8-38-8 — Indiana Code / Title 27 / Article 8 / Chapter 38 / Section 27-8-38-8
Accident and sickness insurance policy; HMO contract; reimbursement
Status: in_force

Sec. 8. An accident and sickness insurance policy or HMO contract that provides coverage for emergency medical services must also provide reimbursement for the following:

(1) Emergency ambulance services provided by an emergency medical services provider organization.

(2) Specialty care transport provided by an emergency medical services provider organization.

As added by P.L.170-2022, SEC.38.
Ind. Code § 27-9-2-3 — Indiana Code / Title 27 / Article 9 / Chapter 2 / Section 27-9-2-3
Confidential nature of records and documents
Status: in_force

Sec. 3. In all proceedings and judicial reviews of those proceedings under sections 1 and 2 of this chapter, all records of the insurer, other documents, and all insurance department files, and court records and papers, so far as they concern or are a part of the record of the proceedings, shall remain confidential except as is necessary to obtain compliance with those proceedings or judicial reviews, unless and until the Marion County circuit court, after hearing arguments from the parties in chambers, shall order otherwise, or unless the insurer requests that the matter be made public. Until the Marion County circuit court issues an order, all papers filed with the clerk of the Marion County circuit court must be held by him in a confidential file.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-13-29-4 — Indiana Code / Title 27 / Article 13 / Chapter 29 / Section 27-13-29-4
Risk based capital requirements
Status: in_force

Sec. 4. A:

(1) health maintenance organization; or

(2) limited service health maintenance organization;

that is domiciled in Indiana is subject to the risk based capital requirements of IC 27-1-36, unless exempted by the commissioner under IC 27-1-36-1.

As added by P.L.51-2002, SEC.11.
Ind. Code § 27-14.5-3-5 — Indiana Code / Title 27 / Article 14.5 / Chapter 3 / Section 27-14.5-3-5
Requirements for plan to issue stock
Status: in_force

Sec. 5. A plan to issue stock that is filed with the commissioner under this chapter must do the following:

(1) Describe the reasons for and the purposes of the proposed issuance of shares of stock.

(2) Require that, after the effective date, the mutual insurance holding company must at all times have the direct or indirect power to cast at least a majority of the votes for the election of the members of the board of directors of the reorganized insurer and any intermediate stock holding company.

(3) Provide that the aggregate total number of shares of stock that may be purchased by the directors and officers of the mutual insurance holding company and its subsidiaries and associates may not exceed thirty percent (30%) of the total number of shares of stock to be issued, not including any shares attributed to the officers and directors and their associates but held by one (1) or more tax-qualified employee benefit plans.

(4) Provide that the aggregate total number of shares of stock that may be purchased by:

(A) a single director or officer of the mutual insurance holding company or the subsidiaries of the mutual insurance holding company;

(B) associates of a person referred to in clause (A); and

(C) persons acting in concert with a person referred to in clause (A) or (B);

may not exceed five percent (5%) of the total number of shares to be issued under the plan, not including any shares attributed to the officers and directors and their associates but held by one (1) or more tax-qualified employee benefit plans.

(5) Provide that a director, officer, agent, or employee of the mutual insurance holding company or its subsidiaries, or an associate of a director, officer, agent, or employee may not receive any fee, commission, or other valuable consideration for aiding, promoting, or assisting in the issuance of stock under this section, except for:

(A) compensation as provided for in the plan and approved by the commissioner;

(B) the person's usual, regular salary or compensation; and

(C) reasonable fees and compensation paid to an individual who is an attorney, accountant, or actuary for services performed in the individual's independent practice, even if the individual is also a director, officer, agent, or employee of the mutual insurance holding company or its subsidiaries.

(6) Describe:

(A) how the offering price of the stock to be sold was established; or

(B) the method by which the offering price will be determined.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-15-1-14 — Indiana Code / Title 27 / Article 15 / Chapter 1 / Section 27-15-1-14
"Simple plan of conversion"
Status: in_force

Sec. 14. "Simple plan of conversion" means the plan of conversion described in IC 27-15-2-3.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-2.3-5 — Indiana Code / Title 27 / Article 1 / Chapter 2.3 / Section 27-1-2.3-5
"Health plan operator"
Status: in_force

Sec. 5. As used in this chapter, "health plan operator" means the following:

(1) In the case of a health plan described in section 4(a)(1) of this chapter, the insurer that issued the policy.

(2) In the case of a health plan described in section 4(a)(2) of this chapter, the health maintenance organization that entered into the contract.

As added by P.L.170-2022, SEC.36. Amended by P.L.163-2024, SEC.7.
Ind. Code § 27-8-20-0.1 — Indiana Code / Title 27 / Article 8 / Chapter 20 / Section 27-8-20-0.1
Application of chapter
Status: in_force

Sec. 0.1. The addition of this chapter by P.L.277-1993(ss) applies to insurance policies or health maintenance contracts that:

(1) are entered into or renewed with employers or individuals; and

(2) become effective after June 30, 1993.

As added by P.L.220-2011, SEC.448.
Ind. Code § 27-1-28-3 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-3
Automated claims adjudication system
Status: in_force

Sec. 3. As used in this chapter, "automated claims adjudication system" means a preprogrammed computer system that:

(1) is designed for the collection, data entry, calculation, and system generated final resolution of property insurance claims;

(2) is used only by a licensee or a person described in section 6(b)(2) or 6(b)(3) of this chapter;

(3) complies with all claim payment requirements under Indiana insurance law; and

(4) is certified as compliant with the claims adjudication requirements of this chapter by an individual who is an:

(A) independent adjuster who is licensed under this chapter; and

(B) officer of a business entity that is licensed under this chapter.

As added by P.L.11-2011, SEC.22.
Ind. Code § 27-1-9-4 — Indiana Code / Title 27 / Article 1 / Chapter 9 / Section 27-1-9-4
Procedure for consolidation
Status: in_force

Sec. 4. Any domestic corporation may consolidate with any other corporation or corporations, subject to the provisions of sections 1 and 2 of this chapter, in the following manner:

(a) Agreement of Consolidation. The board of directors of each corporation shall, by a resolution adopted by a majority vote of the members of such board, approve a joint agreement of consolidation setting forth:

(1) The names of the corporations proposing to consolidate, and the name of the new corporation into which they proposed to consolidate, which is hereinafter designated as the new corporation;

(2) The terms and conditions of the proposed consolidation and the mode of carrying the same into effect;

(3) The manner and basis, if any, of converting the shares of each stock corporation into shares of other securities or obligations of the new corporation, or, in whole or in part, into cash, property, shares, or other securities or obligations of any other corporation;

(4) With respect to the new corporation, all of the statements required by IC 27-1-6-4 to be set forth in original articles of incorporation for corporations formed under this article; and

(5) Such other provisions with respect to the proposed consolidation as are deemed necessary or desirable;

(b) Adoption of Agreement. The agreement of consolidation shall then be submitted to a vote of the shareholders, members or policyholders entitled to vote in respect thereof of each corporation in the same manner as provided in section 3 of this chapter and this agreement shall be adopted by such corporation upon receiving the affirmative vote of such proportion of the shareholders, members or policyholders, as provided in section 8 of this chapter; and the adoption thereof by directors and by the shareholders, members or policyholders shall be followed by the same notice to shareholders, members or policyholders as provided in paragraphs (a), (b) and (c) of section 3 of this chapter in case of a merger.

(c) Objections. Any shareholder, member or policyholder, of any such corporation who did not vote in favor of the adoption of the agreement of consolidation, may object to such consolidation in the manner and with the effect provided in sections 9 and 10 of this chapter.

(d) Reapproval and Execution of Agreement. Upon the adoption of the agreement of consolidation it shall again be considered by the board of directors of each corporation a party to the agreement, and, if again approved and the execution of the agreement authorized by such board, the agreement shall be signed and filed, all in the same manner and within the same time as provided in subsection (e) of section 3 of this chapter.

(e) Articles of Consolidation. Under the execution of the agreement of consolidation by all of the corporations parties thereto, articles of consolidation shall be executed and filed, accompanied by the fees prescribed by law in the same manner and form and in such multiple copies as provided in subsection (f) of section 3 of this chapter.

(f) Certificate of Consolidation and Incorporation. Upon the presentation of the articles of consolidation, the secretary of state, if the secretary of state finds that they conform to law, shall indorse the secretary of state's approval on each of the multiple copies of the articles, and, when all fees have been paid as required by law, shall file one (1) copy of the articles of consolidation in the secretary of state's office and issue a certificate of consolidation and incorporation, and shall return the remaining copies of the articles bearing the indorsement of the secretary of state's approval, together with the certificate of consolidation and incorporation, to the new corporation, or its representatives.

(g) Filing Certificate. The surviving corporation shall obtain a certified copy of the certificate of consolidation and incorporation from the secretary of state and file the same with the department, accompanied by a copy of the articles of consolidation bearing the indorsement of the approval of the secretary of state.

Formerly: Acts 1935, c.162, s.117; Acts 1973, P.L.272, SEC.2. As amended by P.L.86-2018, SEC.202.
Ind. Code § 27-15-3-4 — Indiana Code / Title 27 / Article 15 / Chapter 3 / Section 27-15-3-4
Actuarial opinion requirements
Status: in_force

Sec. 4. The actuarial opinion required by this chapter shall be:

(1) provided and signed by a qualified and independent actuary who is a member of the American Academy of Actuaries;

(2) given in accordance with professional standards and practices generally accepted by the actuarial profession and those other factors as the actuary believes are reasonable and appropriate in the exercise of professional judgment at the time the opinion is given;

(3) supported by a memorandum of the actuary, describing the calculations made in support of the opinion and the assumptions used in the calculations; and

(4) submitted to the commissioner.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-7-11 — Indiana Code / Title 27 / Article 1 / Chapter 7 / Section 27-1-7-11
Citizenship and residence qualifications of directors
Status: in_force

Sec. 11. A majority of directors must, during their entire terms of service, be citizens of the United States or Canada. At least one (1) of the directors must reside in Indiana.

Formerly: Acts 1935, c.162, s.89; Acts 1941, c.127, s.1; Acts 1947, c.18, s.1; Acts 1969, c.164, s.5. As amended by P.L.245-1989, SEC.1.
Ind. Code § 27-1-37-3.2 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-3.2
"Health provider facility" defined
Status: in_force

Sec. 3.2. As used in this chapter, "health provider facility" means any of the following:

(1) A hospital, as defined in IC 16-18-2-179(a).

(2) A hospital system.

(3) An affiliate of a hospital or hospital system.

As added by P.L.198-2021, SEC.19.
Ind. Code § 27-8-28-11 — Indiana Code / Title 27 / Article 8 / Chapter 28 / Section 27-8-28-11
Commissioner may examine procedure
Status: in_force

Sec. 11. The commissioner may examine the grievance procedure of any insurer.

As added by P.L.66-2001, SEC.2 and P.L.203-2001, SEC.13.
Ind. Code § 27-1-5-3 — Indiana Code / Title 27 / Article 1 / Chapter 5 / Section 27-1-5-3
"Property" and "property interests" defined
Status: in_force

Sec. 3. "Property" and "property interests", as used in section 1 of this chapter, shall include real and personal property, chattels real, currency, coin, bank notes, bullion, postage or revenue stamps, express, postal, pension or bank money orders, bonds, debentures, checks, coupons, demand or time drafts, bills of exchange, acceptances, promissory notes, certificates of deposit, certificates of stock, warehouse receipts, bills of lading, and all other choses in action.

Formerly: Acts 1935, c.162, s.60. As amended by P.L.252-1985, SEC.14.
Ind. Code § 27-7-2-7 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-7
Resolution of tie votes
Status: in_force

Sec. 7. In case of a tie vote in any committee or governing body of said bureau, the insurance commissioner shall decide the matter.

Formerly: Acts 1935, c.323, s.7. As amended by P.L.204-2018, SEC.15.
Ind. Code § 27-1-29-9 — Indiana Code / Title 27 / Article 1 / Chapter 29 / Section 27-1-29-9
Liability insurance or indemnification; state responsibility for commission obligations
Status: in_force

Sec. 9. (a) The commission shall purchase liability insurance for, or otherwise indemnify, its members against personal liability for acts and omissions arising out of their performance, in good faith, of their duties as members of the commission.

(b) The state is not responsible for the payment of any obligation of the commission.

As added by P.L.162-1986, SEC.1.
Ind. Code § 27-8-19.8-7.8 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-7.8
"Stranger originated life insurance" defined
Status: in_force

Sec. 7.8. (a) As used in this chapter, "stranger originated life insurance" means a practice or plan to initiate a life insurance policy for the benefit of a third party investor who, at the time the life insurance policy is originated, has no insurable interest in the insured.

(b) The term includes the following:

(1) An arrangement under which, at the time of life insurance policy inception:

(A) a life insurance policy is purchased with resources or guarantees from or through a person that is not legally permitted to initiate the life insurance policy; and

(B) a written or verbal arrangement or agreement is made to transfer the ownership of the life insurance policy or policy benefits to a third party.

(2) A trust that is:

(A) created to give an appearance of the existence of an insurable interest; and

(B) used to initiate a life insurance policy for an investor.

As added by P.L.112-2008, SEC.3.
Ind. Code § 27-1-2.3-8.2 — Indiana Code / Title 27 / Article 1 / Chapter 2.3 / Section 27-1-2.3-8.2
Health plan operator payment in full to a nonparticipating ambulance service provider; limits on cost sharing amounts that a covered individual pays
Status: in_force

Sec. 8.2. (a) If a health plan operator makes payment to a nonparticipating ambulance service provider according to section 8.1 of this chapter for ambulance service provided to a covered individual:

(1) the payment shall be considered payment in full for the ambulance service provided, except for any copayment, coinsurance, deductible, and other cost sharing amounts that the health plan requires the covered individual to pay; and

(2) the nonparticipating ambulance service provider is prohibited from billing the covered individual for any additional amount for the ambulance service provided.

(b) The copayment, coinsurance, deductible, and other cost sharing amounts that a health plan requires a covered individual to pay in connection with ambulance service provided to the covered individual by a nonparticipating ambulance service provider shall not exceed the copayment, coinsurance, deductible, and other cost sharing amounts that the covered individual would be required to pay if the ambulance service had been provided to the covered individual by a participating ambulance service provider.

As added by P.L.163-2024, SEC.11.
Ind. Code § 27-6-8-6 — Indiana Code / Title 27 / Article 6 / Chapter 8 / Section 27-6-8-6
Board of directors
Status: in_force

Sec. 6. (a) The board of directors of the association shall consist of nine (9) persons serving terms as established in the association's plan of operation. The directors who represent member insurers must be selected by member insurers, subject to the approval of the commissioner.

(b) Not more than one (1) member insurer in a group of insurers under the same management or ownership shall serve as a director at the same time.

(c) Directors shall serve such terms as shall be established in the plan of operation.

(d) Vacancies on the board shall be filled for the remaining period of the term in the same manner as the initial selection.

(e) If no directors are selected by March 1, 1972, the commissioner may appoint the initial members of the board of directors.

(f) In approving selections to the board, the commissioner shall consider among other things whether all member insurers are fairly represented.

(g) Directors may be reimbursed from the assets of the association for expenses incurred by them as members of the board of directors.

Formerly: Acts 1971, P.L.390, SEC.1. As amended by P.L.252-1985, SEC.222; P.L.233-1999, SEC.6 and P.L.268-1999, SEC.16; P.L.52-2013, SEC.4.
Ind. Code § 27-8-12-5 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-5
"Long term care insurance policy" defined
Status: in_force

Sec. 5. (a) As used in this chapter, "long term care insurance policy" means an insurance policy providing coverage for at least twelve (12) consecutive months for each covered person on an expense incurred, indemnity, prepaid, or other basis for one (1) or more necessary diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services provided in a setting other than an acute care wing of a hospital.

(b) The term includes the following:

(1) A policy advertised, marketed, or offered as long term care insurance.

(2) A group or individual annuity, a life insurance policy, or riders that provide directly or supplement long term care insurance.

(3) A policy or rider that provides for payment of benefits based upon cognitive impairment or the loss of functional capacity.

(c) The term does not include the following:

(1) An insurance policy that is offered primarily to provide basic hospital expense coverage, basic medical-surgical expense coverage, hospital confinement indemnity coverage, major medical expense coverage, disability income protection coverage, accident only coverage, specified disease or specified accident coverage, comprehensive coverage, catastrophic coverage, or limited benefit health coverage.

(2) A life insurance policy that accelerates the death benefit specifically for terminal illness, a medical condition requiring extraordinary medical intervention, or a permanent institutional confinement, and that provides the option of a lump sum payment for those benefits and in which neither the benefits nor the eligibility for the benefits is conditioned upon the receipt of long term care.

(3) An insurance policy that is offered primarily to provide basic Medicare supplemental coverage (as defined under IC 27-8-13).

As added by P.L.275-1987, SEC.1. Amended by P.L.114-1991, SEC.9.
Ind. Code § 27-8-10-9 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-9
Medicare supplement policies
Status: in_force

Sec. 9. (a) The association may issue Medicare supplement policies to individuals who reside in Indiana.

(b) A Medicare supplement policy issued under this section:

(1) must be based on a model policy adopted by the commissioner under IC 27-8-13-10.1; and

(2) must meet the standards for Medicare supplement policy benefits established under IC 27-8-13-10.1.

(c) A Medicare supplement policy issued under this section is not subject to the deductible and coinsurance requirements and the eligibility restrictions applying to association policies under sections 4 and 5.1 of this chapter. However, the association may provide that an individual is not eligible for a Medicare supplement policy issued under this section unless the individual has applied to one (1) carrier for a Medicare supplement policy and the application of the individual has been rejected.

As added by P.L.116-1994, SEC.69.
Ind. Code § 27-1-12.5-11 — Indiana Code / Title 27 / Article 1 / Chapter 12.5 / Section 27-1-12.5-11
Rules
Status: in_force

Sec. 11. The commissioner may adopt rules under IC 4-22-2 to implement this chapter.

As added by P.L.59-2004, SEC.3.
Ind. Code § 27-1-44.6-12 — Indiana Code / Title 27 / Article 1 / Chapter 44.6 / Section 27-1-44.6-12
Reporting requirement
Status: in_force

Sec. 12. On or before July 1, 2027, and July 1 biennially thereafter, the advisory board shall submit a report to the executive director of the legislative services agency, in an electronic format under IC 5-14-6, for review by the interim committee on government in accordance with IC 1-1-15.5-4 and IC 2-5-1.3-13(g). The report shall describe:

(1) official action taken; and

(2) actionable items considered;

by the advisory board during the preceding two (2) years.

As added by P.L.161-2025, SEC.29.
Ind. Code § 27-8-13-1 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-1
"Medicare" defined
Status: in_force

Sec. 1. As used in this chapter, "medicare" means Title XVIII of the federal Social Security Act (42 U.S.C. 1395 et seq.).

As added by P.L.275-1987, SEC.2.
Ind. Code § 27-8-5.7-2.5 — Indiana Code / Title 27 / Article 8 / Chapter 5.7 / Section 27-8-5.7-2.5
"CPT code"
Status: in_force

Sec. 2.5. As used in this chapter, "CPT code" refers to the medical billing code that applies to a specific health care service, as published in the Current Procedural Terminology code set maintained by the American Medical Association.

As added by P.L.190-2023, SEC.26.
Ind. Code § 27-13-1-19 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-19
"Health maintenance organization"
Status: in_force

Sec. 19. "Health maintenance organization" means a person that undertakes to provide or arrange for the delivery of health care services to enrollees on a prepaid basis, except for enrollee responsibility for copayments or deductibles.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-7-3.7-1 — Indiana Code / Title 27 / Article 7 / Chapter 3.7 / Section 27-7-3.7-1
"Closing agent"
Status: in_force

Sec. 1. (a) As used in this chapter, "closing agent" means a person that:

(1) closes an escrow transaction in connection with the purchase, sale, or financing of an interest in real estate; and

(2) is required to be licensed as an insurance producer under IC 27-1-15.6.

(b) The term does not include a lender or an employee of a lender that conducts a settlement or closing of a real estate secured loan provided by the lender in the office of the lender.

As added by P.L.92-2009, SEC.1.
Ind. Code § 27-8-31-18 — Indiana Code / Title 27 / Article 8 / Chapter 31 / Section 27-8-31-18
Severability
Status: in_force

Sec. 18. The provisions of this compact are severable and if any phrase, clause, sentence, or provision is considered unenforceable, the remaining provisions of the compact are enforceable. The provisions of this compact shall be liberally construed to effectuate the compact's purposes.

As added by P.L.138-2005, SEC.3.
Ind. Code § 27-4-1.5-13 — Indiana Code / Title 27 / Article 4 / Chapter 1.5 / Section 27-4-1.5-13
Insurer duties performed by agent or body shop
Status: in_force

Sec. 13. An act that an insurer is required to perform under this chapter shall be considered to have been performed by the insurer if the act is performed by:

(1) an agent of the insurer; or

(2) a body shop that the insurer directs to repair a motor vehicle.

As added by P.L.194-1991, SEC.2.
Ind. Code § 27-7-17-19 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-19
Travel insurance; classification; eligibility and underwriting standards
Status: in_force

Sec. 19. (a) Notwithstanding any other provision of this title, travel insurance is classified and filed for purposes of rates and forms under an inland marine line of insurance. However, travel insurance that provides coverage for sickness, accident, disability, or death occurring during travel, either exclusively or in conjunction with related coverages of emergency evacuation or repatriation of remains or incidental limited property and casualty benefits such as baggage or trip cancellation, may be filed under either an accident and health line of insurance or an inland marine line of insurance.

(b) Travel insurance may be in the form of an individual, group, or blanket policy.

(c) Eligibility and underwriting standards for travel insurance may be developed and provided based on travel protection plans designed for individual or identified marketing or distribution channels, provided those standards also meet the state's underwriting standards for an inland marine line of insurance.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-1-23.5-9 — Indiana Code / Title 27 / Article 1 / Chapter 23.5 / Section 27-1-23.5-9
Conducting an ORSA
Status: in_force

Sec. 9. Subject to section 11 of this chapter, an:

(1) insurer; or

(2) insurance group of which an insurer is a member;

shall, at any time when significant changes occur to the risk profile of the insurer or insurance group and at least one (1) time per year, conduct an ORSA in a manner consistent with the ORSA guidance manual.

As added by P.L.129-2014, SEC.8.
Ind. Code § 27-1-29.1-9 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-9
Membership eligibility; rights and duties
Status: in_force

Sec. 9. All political subdivisions that satisfy the criteria for membership under the rules of the commission are eligible for membership in the fund. A political subdivision is not required to be a member of the political subdivision risk management fund under IC 27-1-29 to be eligible for membership in the fund established by this chapter. Each member of the fund:

(1) shall contribute to the fund in the amount of the assessment charged the member under this chapter; and

(2) is entitled to the partial payment of certain liabilities from the fund under this chapter.

As added by P.L.272-1987, SEC.7.
Ind. Code § 27-8-4-2 — Indiana Code / Title 27 / Article 8 / Chapter 4 / Section 27-8-4-2
Citation; scope; definitions
Status: in_force

Sec. 2. (a) Citation and Scope:

(1) This chapter may be cited as the Model Act for the Regulation of Credit Life Insurance and Credit Accident and Health Insurance.

(2) All life insurance and all accident and health insurance of the nature in this chapter defined in connection with loans or other credit transactions shall be subject to the provisions of this chapter, except such insurance issued in relation to an isolated transaction on the part of the insurer not related to an agreement or a plan for insuring debtors of the creditor.

(b) Definitions. For the purpose of this chapter:

(1) "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction.

(2) "Credit accident and health insurance" means insurance on a debtor to provide funds for payments becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy.

(3) "Creditor" means the lender of money or vendor or lessor of goods, services, property, rights, or privileges, for which payment is arranged through a credit transaction, or any successor to the right, title, or interest of any such lender, vendor, or lessor, and any affiliate, associate, or subsidiary of any of them or any director, officer, or employee of any of them or any other person in any way associated with any of them.

(4) "Debtor" means a borrower of money or a purchaser or lessee of goods, services, property, rights, or privileges for which payment is arranged through a credit transaction. The term includes the following:

(A) A joint debtor.

(B) A co-maker.

(C) An endorser.

(D) A guarantor.

(5) "Indebtedness" means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction.

(6) "Commissioner" means insurance commissioner of Indiana.

(7) The term "accident and health insurance" has the same meaning as "accident and sickness insurance" sometimes used in other statutes relating to insurance against accident and sickness.

Formerly: Acts 1961, c.47, s.2. As amended by P.L.252-1985, SEC.296; P.L.153-1986, SEC.4; P.L.132-1994, SEC.2.
Ind. Code § 27-1-34-4 — Indiana Code / Title 27 / Article 1 / Chapter 34 / Section 27-1-34-4
Annual statement
Status: in_force

Sec. 4. An arrangement shall file an annual statement on a form prescribed by the commissioner.

As added by P.L.1-1992, SEC.149.
Ind. Code § 27-1-12.7-3 — Indiana Code / Title 27 / Article 1 / Chapter 12.7 / Section 27-1-12.7-3
"Life insurance company"
Status: in_force

Sec. 3. As used in this chapter, "life insurance company" means a life insurance company authorized to issue a product described in Class 1(c) of IC 27-1-5-1.

As added by P.L.178-2003, SEC.18.
Ind. Code § 27-8-4-14 — Indiana Code / Title 27 / Article 8 / Chapter 4 / Section 27-8-4-14
Violations; civil penalty; revocation or suspension of license or certificate of authority
Status: in_force

Sec. 14. In addition to any other penalty provided by law, any person, firm, or corporation which violates an order of the commissioner after it has become final, and while such order is in effect, shall, upon proof thereof to the satisfaction of the court, forfeit and pay to the state of Indiana a sum not to exceed two hundred fifty dollars ($250), which may be recovered in a civil action, except that if such violation is found to be willful, the amount of such penalty shall be a sum not to exceed one thousand dollars ($1000). The commissioner, in his discretion, may revoke or suspend the license or certificate of authority of the person, firm, or corporation guilty of such violation. Such order for suspension or revocation shall be upon notice and hearing, and shall be subject to judicial review as provided in section 13 of this chapter.

Formerly: Acts 1961, c.47, s.14. As amended by P.L.252-1985, SEC.302.
Ind. Code § 27-1-28-23 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-23
Certification of automated claims adjudication system
Status: in_force

Sec. 23. If an independent adjuster uses an automated claims adjudication system, the independent adjuster shall maintain proof of the certification described in section 3(4) of this chapter and provide the proof of certification to the commissioner upon request.

As added by P.L.11-2011, SEC.22.
Ind. Code § 27-1-12.8-10 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-10
"Life insurance"
Status: in_force

Sec. 10. (a) Before the operative date of the valuation manual specified in section 34 of this chapter, as used in this chapter, "life insurance" means insurance under a contract that incorporates mortality risk, including annuity and pure endowment contracts.

(b) On and after the operative date of the valuation manual specified in section 34 of this chapter, as used in this chapter, "life insurance" means insurance under a contract that incorporates mortality risk, including annuity and pure endowment contracts, and as may be specified in the valuation manual.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-1-15.6-17 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-17
Reports of administrative actions or criminal prosecutions against producers
Status: in_force

Sec. 17. (a) A producer shall report to the commissioner any administrative action taken against the producer in another jurisdiction or by another governmental agency in Indiana not more than thirty (30) days after the final disposition of the matter. The report shall include a copy of the order, consent to order, or other relevant legal documents.

(b) Not more than thirty (30) days after an initial pretrial hearing date, a producer shall report to the commissioner any criminal prosecution of the producer initiated in any jurisdiction. The report shall include a copy of the initial complaint filed, the order resulting from the hearing, and any other relevant legal documents.

As added by P.L.132-2001, SEC.3.
Ind. Code § 27-1-25-16 — Indiana Code / Title 27 / Article 1 / Chapter 25 / Section 27-1-25-16
Presumption of control
Status: in_force

Sec. 16. (a) A presumption of control arising under section 1(e) of this chapter may be rebutted by a showing made in the manner provided under IC 27-1-23-3(k) that control does not exist in fact.

(b) In the absence of a presumption that control exists in fact, the commissioner may determine that control exists in fact after:

(1) providing notice and an opportunity to be heard under IC 4-21.5 to all interested parties; and

(2) making specific findings of fact to support the determination.

As added by P.L.160-2003, SEC.21.
Ind. Code § 27-6-1.1-4 — Indiana Code / Title 27 / Article 6 / Chapter 1.1 / Section 27-6-1.1-4
Termination of indemnity reinsurance transaction
Status: in_force

Sec. 4. The commissioner may require the termination of any indemnity reinsurance transaction, whether or not the applicable agreement was required to be filed for approval, if after a hearing under IC 4-21.5-3, the commissioner finds that the transaction creates an unsafe condition for the policyholders of a domestic insurer.

As added by P.L.260-1983, SEC.1. Amended by P.L.7-1987, SEC.152.
Ind. Code § 27-7-5-0.1 — Indiana Code / Title 27 / Article 7 / Chapter 5 / Section 27-7-5-0.1
Application of certain amendments to chapter
Status: in_force

Sec. 0.1. The following amendments to this chapter apply as follows:

(1) The amendments made to section 2 of this chapter by P.L.391-1987(ss) apply only to policies first issued after December 31, 1987.

(2) Notwithstanding the effective date of P.L.124-2009, SECTION 1, the amendments made to section 2 of this chapter by P.L.124-2009 apply to a case in which:

(A) a claim under a policy's uninsured motorist coverage or underinsured motorist coverage arises after December 31, 2009;

(B) a rejection is made under section 2 of this chapter, as amended by P.L.124-2009 of the uninsured motorist coverage or underinsured motorist coverage under which the claim described in subdivision (1) is made; and

(C) the rejection described in clause (B) is made after December 31, 2009.

As added by P.L.220-2011, SEC.433.
Ind. Code § 27-2-15-11 — Indiana Code / Title 27 / Article 2 / Chapter 15 / Section 27-2-15-11
Expired
Status: repealed

As added by P.L.238-2013, SEC.11. Expired 7-1-2015 by P.L.238-2013, SEC.11.
Ind. Code § 27-14.5-2-1 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-1
Conditions for reorganization of a mutual insurance company; resulting subsidiaries
Status: in_force

Sec. 1. (a) A mutual insurance company may reorganize under this chapter as a mutual insurance holding company with one (1) or more subsidiaries if the following occur:

(1) The adoption of a plan of reorganization by the mutual insurance company's board of directors in accordance with section 4 of this chapter.

(2) The approval by the commissioner of the mutual insurance company's application for reorganization.

(3) The favorable vote of the mutual insurance company's members under sections 8 through 12 of this chapter.

(b) The subsidiaries of a mutual insurance holding company that result from a reorganization of a mutual insurance company under this chapter:

(1) must include at least one (1) stock insurance company subsidiary; and

(2) may include one (1) or more intermediate stock holding companies.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-3-17 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-17
Repealed
Status: repealed

Formerly: Acts 1935, c.162, s.24. As amended by P.L.252-1985, SEC.11. Repealed by P.L.4-1988, SEC.17.
Ind. Code § 27-2-25-7 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-7
"Network plan"
Status: in_force

Sec. 7. As used in this chapter, "network plan" means a plan of a health carrier that:

(1) requires a covered individual to receive; or

(2) creates incentives, including financial incentives, for a covered individual to receive;

health care services from one (1) or more providers that are under contract with, managed by, or owned by the health carrier.

As added by P.L.93-2020, SEC.13.
Ind. Code § 27-15-1-9 — Indiana Code / Title 27 / Article 15 / Chapter 1 / Section 27-15-1-9
"Member"
Status: in_force

Sec. 9. "Member" means a person that, according to the:

(1) records;

(2) articles of incorporation; and

(3) bylaws;

of a converting mutual, is a member of the converting mutual.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-4-10-10 — Indiana Code / Title 27 / Article 4 / Chapter 10 / Section 27-4-10-10
No requirement to accept virtual claim payment; requirements; fees; waiver of requirements prohibited; violations
Status: in_force

Sec. 10. (a) A health insurance plan may not require a dental provider to accept payment under the health insurance plan by virtual claim payment.

(b) Before an initial payment to a dental provider using an electronic funds transfer payment, including a virtual claim payment, or before modifying the method of payment, a health insurer or contracted vendor of a health insurer shall:

(1) notify the dental provider of any fees associated with the electronic funds transfer payment other than the fees imposed by the dental provider's financial institution; and

(2) concerning a virtual claim payment, advise the dental provider of the methods of payment available under the health insurance plan and provide clear instructions to the dental provider as to how to select an alternate payment method.

(c) A health insurer or contracted vendor of a health insurer may not charge a fee to a dental provider solely for transmitting an Automated Clearing House Network payment to the dental provider, unless the dental provider has consented to the fee. A provider billing agent may charge a reasonable fee to a dental provider for transmitting an Automated Clearing House Network payment as part of a fee charged by the provider billing agent for transaction management, data management, portal services, and other value added services in addition to the payment transmission that are provided by the provider billing agent to the dental provider.

(d) The provisions of this section may not be waived by contract, and any contractual clause that conflicts with the provisions of this section or that purports to waive any requirement of this section is void.

(e) Violation of this section is an unfair or deceptive act or practice in the business of insurance that is subject to enforcement by the commissioner under IC 27-4-1.

As added by P.L.31-2021, SEC.4.
Ind. Code § 27-8-8-12 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-12
Examination and regulation of association; financial report
Status: in_force

Sec. 12. (a) The association is subject to examination and regulation by the commissioner. The association shall annually submit to the commissioner, not later than one hundred twenty (120) days after the end of the association's fiscal year, a financial report in a form approved by the commissioner and a report of its activities during the preceding fiscal year.

(b) Upon the request of a member insurer, the association shall provide to the member insurer a copy of the reports described in subsection (a).

As added by Acts 1978, P.L.129, SEC.3. Amended by P.L.193-2006, SEC.26.
Ind. Code § 27-13-43-3 — Indiana Code / Title 27 / Article 13 / Chapter 43 / Section 27-13-43-3
Repealed
Status: repealed

As added by P.L.195-2018, SEC.19. Repealed by P.L.190-2023, SEC.37.
Ind. Code § 27-1-15.6-24 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-24
Commercial property and casualty insurance
Status: in_force

Sec. 24. (a) This section applies to commercial property and casualty insurance coverage described in Class 2 and Class 3 of IC 27-1-5-1.

(b) A licensed insurance producer may charge a commercial insured a reasonable fee to reimburse the insurance producer for expenses incurred by the insurance producer at the specific request of the commercial insured, subject to the following requirements:

(1) Before incurring any expense described in this subsection, the insurance producer must provide written notice to the commercial insured stating that a fee will be charged and setting forth the:

(A) amount of the fee; or

(B) basis for calculating the fee.

(2) The amount of a fee and the basis for calculating a fee may not vary among commercial insureds.

(3) Any fee that is charged must be identified separately from premium and itemized in any bill provided to the commercial insured.

(c) A licensed insurance producer may charge a commercial insured a reasonable fee for services that are provided at the request of the commercial insured in connection with a policy that provides coverage described in subsection (a) and for which the insurance producer does not receive a commission or other compensation, subject to the following requirements:

(1) Before providing services, the insurance producer must provide to the commercial insured a written description of the services to be provided and the fee for the services.

(2) Any fee that is charged must be identified separately from premium and itemized in any bill provided to the commercial insured.

(d) A licensed insurance producer who acts as a consultant and provides services described in this section shall comply with the requirements of this section and section 23 of this chapter.

(e) A licensed insurance producer may charge a late fee for agency billed accounts or policies that are more than thirty (30) days delinquent. A late fee may not exceed one and three quarters percent (1.75%) per month of the amount due on the due date.

As added by P.L.132-2001, SEC.3.
Ind. Code § 27-8-23-7 — Indiana Code / Title 27 / Article 8 / Chapter 23 / Section 27-8-23-7
Duties of insurer when parent is ordered to provide coverage for child
Status: in_force

Sec. 7. Whenever a parent is required by a court or an administrative order to provide health coverage for a child and the parent is eligible for family health coverage through an insurer, the insurer:

(1) shall permit the parent to enroll under the family coverage a child who is otherwise eligible for the coverage, without regard to any enrollment season restrictions;

(2) shall enroll a child under the family coverage upon application by:

(A) the child's custodial parent;

(B) the office of Medicaid policy and planning; or

(C) a Title IV-D agency;

whenever a noncustodial parent who is enrolled fails to apply for coverage of the child; and

(3) may not disenroll or eliminate coverage of a child who is otherwise eligible for coverage unless the insurer is provided satisfactory written evidence that:

(A) the court order or an administrative order is no longer in effect; or

(B) the child is or will be enrolled in comparable health coverage through another insurer that is to take effect not later than the effective date of the disenrollment.

As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
Ind. Code § 27-7-9-8.5 — Indiana Code / Title 27 / Article 7 / Chapter 9 / Section 27-7-9-8.5
Limitation on amount payable; one mine subsidence occurrence; damage occurring before issuance of policy; duty to investigate; liability
Status: in_force

Sec. 8.5. (a) The amount payable through mine subsidence insurance provided under this chapter for all damage caused by one (1) mine subsidence occurrence is limited to the amount of insurance that:

(1) is in force with respect to the structure or structures damaged in the occurrence; and

(2) is reinsured under section 9 of this chapter;

at the time when the damage to the structure or structures occurs.

(b) For the purposes of this section, all damage that is caused by:

(1) a single mine subsidence event; or

(2) two (2) or more mine subsidence events that are continuous;

shall be considered as having been caused by one (1) mine subsidence occurrence.

(c) Neither an insurer, an agent of an insurer, nor an employee of an insurer is obligated to investigate for mine subsidence damage that may have occurred before the issuance or renewal of a policy including mine subsidence coverage under this chapter, unless specifically informed of such damage by the insured or prospective insured.

(d) Neither an insurer, an agent of an insurer, nor an employee of an insurer is liable for mine subsidence damage that occurs before the issuance of a policy including mine subsidence coverage under this chapter.

As added by P.L.150-1990, SEC.2. Amended by P.L.124-1992, SEC.6.
Ind. Code § 27-16-4-2 — Indiana Code / Title 27 / Article 16 / Chapter 4 / Section 27-16-4-2
Application
Status: in_force

Sec. 2. (a) This section does not apply to an applicant for limited registration under section 6 of this chapter.

(b) An applicant for registration under this article shall file with the department the following information:

(1) The name or names under which the applicant conducts business.

(2) The address of the principal place of business of the applicant and the address of each office the applicant maintains in Indiana.

(3) The applicant's taxpayer or employer identification number.

(4) A list by jurisdiction of each name under which the applicant has operated in the preceding five (5) years, including any alternative names, names of predecessors, and, if known, successor business entities.

(5) A statement of ownership that includes the name and evidence of the business experience of any person that, individually or acting in concert with one (1) or more other persons, owns or controls, directly or indirectly, twenty-five percent (25%) or more of the equity interests of the applicant.

(6) A statement of management that includes the name and evidence of the business experience of any individual who serves as president, chief executive officer, or otherwise has the authority to act as senior executive officer of the applicant.

(7) Except as provided in subsections (c) and (d), a financial statement:

(A) setting forth the financial condition of the applicant as of a date not earlier than one hundred eighty (180) days before the date the financial statement is submitted to the department;

(B) prepared in accordance with generally accepted accounting principles; and

(C) audited by an:

(i) independent certified public accountant licensed to practice in the jurisdiction in which the accountant is located; or

(ii) individual who is certified under IC 25-2.1-3 or IC 25-2.1-4;

with a resulting audit report that is issued without qualification as to the status of the applicant as a going concern.

(c) If a PEO has less than twelve (12) months of operating history on which to base an audited financial statement, the PEO shall file a financial statement that has been reviewed by an:

(1) independent certified public accountant licensed to practice in the jurisdiction in which the accountant is located; or

(2) individual who is certified under IC 25-2.1-3 or IC 25-2.1-4.

(d) An applicant may apply to the department for an extension of time in which to file the audited financial statement and audit report required by subsection (b). An application under this subsection must be accompanied by a letter from the auditor described in subsection (b) specifying the reason for the requested extension and the anticipated date by which the audit will be completed.

As added by P.L.245-2005, SEC.7. Amended by P.L.11-2011, SEC.41.
Ind. Code § 27-1-3-11 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-11
Confidential information
Status: in_force

Sec. 11. (a) The commissioner or any deputy, actuary, assistant, examiner, or employee or any other person having access to any information obtained through an examination conducted under IC 27-1-3.1 may not disclose to any person, other than officially to the department, by the report made to it, or to the board of directors, trustees, partners, attorney-in-fact, or owners, or in compliance with an order of a court, any information concerning the affairs of any insurance company as shown by the report of the examination of such company by the department. However, this prohibition against disclosure does not apply after the report of the examiners has been submitted to the department and the department has in turn submitted the report with its recommendations, if any, to the board of directors, trustees, partners, attorney-in-fact, or owners.

(b) This section does not prohibit the publication by any company of the facts contained in its own examination.

Formerly: Acts 1935, c.162, s.18; Acts 1969, c.164, s.6. As amended by Acts 1978, P.L.2, SEC.2703; P.L.17-1984, SEC.7; P.L.159-1986, SEC.1; P.L.26-1991, SEC.4.
Ind. Code § 27-1-29.1-7 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-7
Establishment of fund; purpose; administration; expenses; depositories; investment
Status: in_force

Sec. 7. (a) The political subdivision catastrophic liability fund is established for the purpose of:

(1) paying a part of certain liabilities of members of the fund under this chapter;

(2) receiving assessments paid by fund members to replenish the fund and to pay the principal of the interest on bonds or notes issued by the commission under IC 27-1-29-17(b)(1); and

(3) receiving money from any other source.

(b) The fund shall be administered by the commission, using the powers granted in IC 27-1-29-7, as modified by this chapter.

(c) The expenses of administering the fund shall be paid from money in the fund.

(d) All money received by the commission under this chapter, whether as assessments, proceeds from the sale of bonds, or revenues, are trust funds, to be held and applied solely as provided in this chapter. Current operating funds shall be kept in depositories selected by the commission. The commission shall deposit with the treasurer of state the money in the fund not currently needed to meet the obligations of the fund, and the treasurer of state shall invest such money for the commission in accordance with the provisions of any resolution or trust agreement that the commission may adopt or enter into under this chapter or IC 27-1-29. Interest that accrues from these investments shall be credited to the commission and to the fund.

(e) Money in the fund at the end of a fiscal year does not revert to the state general fund.

As added by P.L.272-1987, SEC.7. Amended by P.L.159-1988, SEC.1.
Ind. Code § 27-8-14.7-4 — Indiana Code / Title 27 / Article 8 / Chapter 14.7 / Section 27-8-14.7-4
Coverage required
Status: in_force

Sec. 4. (a) Except as provided in subsection (f), an insurer shall provide coverage for prostate specific antigen testing in any accident and sickness insurance policy that the insurer issues in Indiana.

(b) Except as provided in subsection (f), the coverage required under subsection (a) must include the following:

(1) At least one (1) prostate specific antigen test annually for an insured who is at least fifty (50) years of age.

(2) At least one (1) prostate specific antigen test annually for an insured who is less than fifty (50) years of age and who is at high risk for prostate cancer according to the American Cancer Society guidelines.

(c) An insured may not be required to pay an annual deductible or coinsurance that is greater than an annual deductible or coinsurance established for similar benefits under the accident and sickness insurance policy. If the policy does not cover a similar benefit, the deductible or coinsurance may not be set at a level that materially diminishes the value of the prostate specific antigen testing benefit required by this chapter.

(d) Except as provided in subsection (f), the coverage that an insurer must provide under this chapter may not be subject to dollar limits, deductibles, or coinsurance provisions that are less favorable to the insured than the dollar limits, deductibles, or coinsurance provisions applying to physical illness generally under the accident and sickness insurance policy.

(e) Except as provided in subsection (f), the coverage that an insurer must provide is in addition to any benefits specifically provided for x-rays, laboratory testing, or wellness examinations.

(f) In the case of insurance policies that are not employer based, the insurer must offer to provide the coverage described in subsections (a) through (e).

As added by P.L.170-1999, SEC.4. Amended by P.L.124-2018, SEC.81.
Ind. Code § 27-13-7-15.3 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-15.3
Breast cancer screening mammography
Status: in_force

Sec. 15.3. (a) As used in this section, "breast cancer screening mammography" has the meaning set forth in IC 27-8-14-2.

(b) As used in this section, "woman at risk" has the meaning set forth in IC 27-8-14-5.

(c) Except as provided in subsection (g), a health maintenance organization issued a certificate of authority in Indiana shall provide breast cancer screening mammography as a covered service under every group contract that provides coverage for basic health care services.

(d) Except as provided in subsection (g), the coverage that a health maintenance organization must provide under this section must include the following:

(1) If the enrollee is at least thirty-five (35) years of age but less than forty (40) years of age and a female, coverage for at least one (1) baseline breast cancer screening mammography performed upon the enrollee before the enrollee becomes forty (40) years of age.

(2) If the enrollee is less than forty (40) years of age and a woman at risk, one (1) breast cancer screening mammography performed upon the enrollee every year.

(3) If the enrollee is at least forty (40) years of age and a female, one (1) breast cancer screening mammography performed upon the enrollee every year.

(4) Any additional mammography views that are required for proper evaluation.

(5) Ultrasound services, if determined medically necessary by the physician treating the enrollee.

(e) Except as provided in subsection (g), the coverage that a health maintenance organization must provide under this section may not be subject to a contract provision that is less favorable to an enrollee or a subscriber than contract provisions applying to physical illness generally under the health maintenance organization contract.

(f) Except as provided in subsection (g), the coverage that a health maintenance organization must provide under this section is in addition to services specifically provided for x-rays, laboratory testing, or wellness examinations.

(g) In the case of coverage that is not employer based, the health maintenance organization must offer to provide the coverage described in subsections (c) through (f).

As added by P.L.170-1999, SEC.5.
Ind. Code § 27-13-36.2-2 — Indiana Code / Title 27 / Article 13 / Chapter 36.2 / Section 27-13-36.2-2
"Health maintenance organization" defined
Status: in_force

Sec. 2. As used in this chapter, "health maintenance organization" includes:

(1) an insurance administrator that:

(A) collects charges or premiums; and

(B) adjusts or settles claims;

in connection with coverage under a contract with a health maintenance organization; and

(2) a limited service health maintenance organization.

As added by P.L.162-2001, SEC.6.
Ind. Code § 27-7-6-4 — Indiana Code / Title 27 / Article 7 / Chapter 6 / Section 27-7-6-4
Notice of cancellation; authorized reasons
Status: in_force

Sec. 4. A notice of cancellation by an insurer of an automobile insurance policy as defined in this chapter shall be effective only if such cancellation is for one (1) or more of the following reasons:

(a) Nonpayment of premium which is defined to mean for the purposes of this chapter the failure of the named insured to discharge when due any of his obligations in connection with the payment of premiums on a policy, or any installment of such premium whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit.

(b) The driver's license or motor vehicle registration of the named insured or of any other operator who either resides in the same household or customarily operates an automobile insured under the policy has been denied or has been under suspension or revocation during the policy period or the existence of one (1) or more grounds for such denial, suspension, or revocation has become known.

(c) The named insured or any other operator who either resides in the same household or customarily operates an automobile insured under the policy:

(1) is under treatment for epilepsy or heart disease and does not produce a certificate from a physician testifying to the operator's unqualified ability to operate a motor vehicle safely; or

(2) uses drugs or alcoholic beverages to excess.

(d) Fraud, willful misrepresentation, or concealment on the part of any insured in respect to any material fact or circumstance relating to the issuance or continuance of the policy or relating to a loss.

(e) Violation of any terms or conditions of the policy.

(f) The place of residence of the insured or the state of registration or license of the insured automobile is changed to a state or country in which the insurer is not licensed.

Provided, however, that a change or substitution in policy form shall not be deemed to be a cancellation within the intent of this chapter; provided, further, that nothing in this section shall apply to nonrenewals. This section shall not apply to any policy or coverage which has been in effect less than sixty (60) days at the time notice of cancellation is mailed or delivered by the insurer unless it is a renewal policy.

Formerly: Acts 1969, c.332, s.4. As amended by P.L.252-1985, SEC.266.
Ind. Code § 27-8-14.8-1 — Indiana Code / Title 27 / Article 8 / Chapter 14.8 / Section 27-8-14.8-1
"Accident and sickness insurance policy"
Status: in_force

Sec. 1. (a) As used in this chapter, "accident and sickness insurance policy" means an insurance policy that:

(1) provides at least one (1) of the types of insurance described in IC 27-1-5-1, Classes 1(b) and 2(a); and

(2) is issued on a group basis.

(b) "Accident and sickness insurance 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.54-2000, SEC.2. Amended by P.L.173-2007, SEC.35; P.L.288-2019, SEC.16.
Ind. Code § 27-1-12.1-7 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-7
Requirements for assumption of risk
Status: in_force

Sec. 7. Before assuming risk under a reinsurance contract, a limited purpose subsidiary must do all of the following:

(1) Comply with IC 27-1-6.

(2) File with the commissioner an affidavit, signed by the limited purpose subsidiary's president, vice president, treasurer, or chief financial officer, including all of the following to the best of the individual's knowledge after reasonable inquiry:

(A) That the proposed organization and operation of the limited purpose subsidiary complies with this chapter.

(B) That the limited purpose subsidiary's investment policy reflects and considers the liquidity of assets and the reasonable preservation, administration, and management of the assets with respect to the risks associated with reinsurance contracts issued by the limited purpose subsidiary.

(C) That the reinsurance contract and any arrangement intended to secure the limited purpose subsidiary's obligations under the reinsurance contract (including an agreement to implement the arrangement) comply with this chapter.

(3) File with the commissioner the opinion of a qualified actuary that the methodology and assumptions (including significant stress tests of key assumptions) used to establish reserves held by the limited purpose subsidiary are sufficient to provide for the risk assumed by the limited purpose subsidiary.

(4) File with the commissioner the limited purpose subsidiary's plan of operation, including the following:

(A) A statement that the limited purpose subsidiary will, before an offer and sale of securities of or by the limited purpose subsidiary, file with the commissioner, in a form acceptable to the commissioner, a legal opinion that the offering and sale of securities:

(i) of the limited purpose subsidiary complies with all federal securities laws; and

(ii) by the limited purpose subsidiary complies with all Indiana securities laws.

For purposes of this clause, the issuance of stock by the limited purpose subsidiary to the organizing domestic life insurance company is not the offer and sale of securities requiring a legal opinion.

(B) A complete description of the material terms of all proposed reinsurance transactions, reinsurance security arrangements, securitizations, and any other material transactions or arrangements of the limited purpose subsidiary.

(C) A description of the source and form of the limited purpose subsidiary's capital and surplus.

(D) The investment policy of the limited purpose subsidiary.

(E) Pro forma balance sheets and income statements that illustrate at least one (1) adverse case scenario, as determined using criteria required by the commissioner, for the performance of the limited purpose subsidiary under all reinsurance contracts.

(F) Policies for payment of dividends and other distributions to the organizing domestic life insurance company.

(G) Copies of all contracts between the limited purpose subsidiary and affiliates.

(H) Other documentation or information required by the commissioner.

(5) Obtain from the commissioner a certificate of authority to engage in the business of reinsurance in Indiana.

As added by P.L.11-2011, SEC.7. Amended by P.L.115-2011, SEC.2.
Ind. Code § 27-8-14.2-1 — Indiana Code / Title 27 / Article 8 / Chapter 14.2 / Section 27-8-14.2-1
"Accident and sickness insurance policy"
Status: in_force

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

(b) The term 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.148-2001, SEC.2. Amended by P.L.173-2007, SEC.32; P.L.288-2019, SEC.13.
Ind. Code § 27-1-35-19 — Indiana Code / Title 27 / Article 1 / Chapter 35 / Section 27-1-35-19
Other rights not affected
Status: in_force

Sec. 19. Sections 16 through 18 of this chapter do not:

(1) affect the right of the commissioner to impose any other penalties provided by Indiana law; or

(2) in any manner alter or affect the rights of policyholders, claimants, creditors, or other third parties.

As added by P.L.130-1994, SEC.36 and P.L.116-1994, SEC.47.
Ind. Code § 27-8-8-16 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-16
Recoupment of assessments
Status: in_force

Sec. 16. A member insurer may take as a credit against premium taxes, adjusted gross income taxes, or any combination of them imposed by the state upon the member insurer's revenue or income not more than twenty percent (20%) of the amount of each assessment described in section 6 of this chapter for each calendar year following the year in which the assessment was paid until the assessment has been offset by either credits against the taxes or refunds from the association. If the member insurer ceases doing business, all uncredited assessments may be credited against the member insurer's premium taxes, adjusted gross income taxes, or a combination of the premium taxes and adjusted gross income taxes of the member insurer for the year the member insurer ceases doing business.

As added by Acts 1978, P.L.129, SEC.3. Amended by Acts 1979, P.L.255, SEC.2; Acts 1980, P.L.173, SEC.1; P.L.163-1986, SEC.2; P.L.192-2002(ss), SEC.168; P.L.193-2006, SEC.29.
Ind. Code § 27-8-24.7-5 — Indiana Code / Title 27 / Article 8 / Chapter 24.7 / Section 27-8-24.7-5
Designation of women's health care provider as primary care provider
Status: in_force

Sec. 5. Under a health insurance policy that is issued, delivered, issued for delivery, or renewed in Indiana, an organization or arrangement described in section 1(1) through 1(5) of this chapter may not refuse to designate a women's health care provider as an insured's primary care provider if the women's health care provider meets the terms and conditions for participation established by an organization or arrangement described in section 1(1) through 1(5) of this chapter under an insurance policy as a primary care physician solely because the individual physician specializes in the provision of obstetric or gynecological services.

As added by P.L.192-1996, SEC.2.
Ind. Code § 27-1-24.6-2 — Indiana Code / Title 27 / Article 1 / Chapter 24.6 / Section 27-1-24.6-2
"Generic drug"
Status: in_force

Sec. 2. As used in this chapter, "generic drug" has the meaning set forth in IC 27-1-24.5-4.

As added by P.L.216-2025, SEC.41.
Ind. Code § 27-1-46-8.5 — Indiana Code / Title 27 / Article 1 / Chapter 46 / Section 27-1-46-8.5
"Price"
Status: in_force

Sec. 8.5. As used in this chapter, "price" means the negotiated rate between the:

(1) provider facility and practitioner; and

(2) covered individual's primary health carrier.

As added by P.L.93-2020, SEC.12.
Ind. Code § 27-6-6-3 — Indiana Code / Title 27 / Article 6 / Chapter 6 / Section 27-6-6-3
Declaration of subscribers
Status: in_force

Sec. 3. Such subscribers so contracting among themselves shall, through their attorney, file with the insurance department a declaration verified by the oath of such attorney, or where such attorney is a corporation, by the oath of a chief officer thereof, setting forth the following:

(a) The name or title adopted by such subscribers proposing to exchange such indemnity contracts. Such name or title shall not be so similar to any other name or title previously adopted by a similar organization or by any insurance corporation or association as in the opinion of the insurance department is likely to result in confusion or deception.

(b) The kind or kinds of insurance to be effected or exchanged.

(c) A copy of the form of policy contract or agreement under or by which such insurance is to be effected or exchanged.

(d) A copy of the form of power of attorney or other authority of such attorney under which such insurance is to be effected or exchanged; provided, that a copy of any amendment to or substitution of such form shall be filed with the insurance department prior to its use.

(e) The location of the office or offices from which such contracts or agreements are to be issued.

(f) That applications have been made for indemnity upon at least one hundred (100) separate risks aggregating not less than one and one-half million dollars ($1,500,000) as represented by executed contracts or bona fide applications to become concurrently effective in the case of fire insurance, and in the case of automobile insurance, executed contracts or bona fide applications for indemnity upon two hundred and fifty (250) separate risks aggregating not less than one and one-half million dollars ($1,500,000) or any or all classes of automobile insurance effected by said subscriber through said attorney.

(g) That there is in the possession of such attorney and available for the payment of losses, assets conforming to the requirements of section 6 of this chapter.

(h) A financial statement under oath in form prescribed for the annual statement.

(i) The instrument authorizing service of process as provided for in this chapter.

Formerly: Acts 1919, c.102, s.3; Acts 1963, c.315, s.1; Acts 1967, c.232, s.2. As amended by P.L.252-1985, SEC.217.
Ind. Code § 27-2-30-2 — Indiana Code / Title 27 / Article 2 / Chapter 30 / Section 27-2-30-2
"Gun free zone notice"
Status: in_force

Sec. 2. As used in this chapter, "gun free zone notice" means a written notice stating that firearms or ammunition are prohibited or otherwise restricted.

As added by P.L.61-2026, SEC.1.
Ind. Code § 27-8-19.8-8.6 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-8.6
Exemptions from licensing requirement
Status: in_force

Sec. 8.6. The following are exempt from the licensing requirement under IC 27-8-19.8-8.5:

(1) An accountant, an attorney, or a financial planner retained to represent the viator, and whose compensation is paid directly by or at the direction of the viator.

(2) A regularly salaried officer or employee of a viatical settlement broker or viatical settlement provider, if the officer or employee's duties and responsibilities do not include the solicitation or negotiation of viatical settlement contracts.

(3) The following persons, to the extent that the person is engaged in the administration or operation of a program of employee benefits for the person's employees or the employees of the person's subsidiaries or affiliates involving the use of viatical settlement contracts issued by a licensed viatical settlement provider, if the person is not in any manner directly or indirectly compensated by the viatical settlement provider:

(A) An employer.

(B) An officer or employee of an employer.

(C) A trustee of an employee trust plan.

As added by P.L.32-1998, SEC.11.
Ind. Code § 27-1-30.4-1 — Indiana Code / Title 27 / Article 1 / Chapter 30.4 / Section 27-1-30.4-1
"Permitted group"
Status: in_force

Sec. 1. As used in this chapter, "permitted group" means a group of ten (10) or more commercial, business, or not-for-profit entities that have a preexisting relationship to one another through:

(1) a common trade;

(2) an association;

(3) an affiliation; or

(4) another organizational relationship that is separate and distinct from any group insurance arrangement of the group.

As added by P.L.165-2022, SEC.5.
Ind. Code § 27-1-22-20.1 — Indiana Code / Title 27 / Article 1 / Chapter 22 / Section 27-1-22-20.1
Foster youth auto insurance availability; list of insurers; payment of costs of auto insurance
Status: in_force

Sec. 20.1. (a) For purposes of this section, an individual is a "foster youth" if:

(1) the department of child services; or

(2) a designee of the department of child services;

certifies or acknowledges that the individual is a foster youth (as defined by IC 31-9-2.1-110(b)).

(b) The department of child services established by IC 31-25-1-1 shall make available to foster youths and to the public a list, provided by the Insurance Institute of Indiana, identifying insurers that may provide automobile insurance coverage outside the plan described in subsection (c) for a minor without a guardian cosigner. The list of insurers shall be reviewed annually.

(c) An assigned risk automobile insurance plan established by insurers under section 20 of this chapter must, subject to the rules of the plan, make automobile insurance available to a foster youth who:

(1) is at least sixteen (16) years of age and not more than twenty-three (23) years of age; and

(2) is receiving services from the department of child services.

(d) An applicant who is a foster youth is responsible for paying all costs of a policy of automobile insurance issued under subsection (c). A state or local government agency, foster parent, or entity providing services to an applicant under a contract or at the direction of a state or local government agency shall not be required to pay any costs associated with a policy of automobile insurance issued under subsection (c) and shall not be liable for any damages that result from the foster youth's operation of an automobile owned and insured by the foster youth.

As added by P.L.97-2023, SEC.9. Amended by P.L.46-2024, SEC.2; P.L.67-2026, SEC.2; P.L.145-2026, SEC.139.
Ind. Code § 27-1-29.1-17 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-17
Biannual recognition of liabilities; payment; proration in event of insufficient funds
Status: in_force

Sec. 17. On June 30 and December 31 of every year, the commission shall recognize every liability that has qualified for partial payment under this section during the six (6) month period that ended on that day. The commission shall pay the part of each liability that is payable under section 13 of this chapter within fifteen (15) days after the liability is recognized as qualifying for partial payment. However, if the balance in the fund is insufficient to pay the full payable amount of every liability that has qualified for partial payment during a six (6) month period, the commission shall pay a prorated portion of each liability that qualified for partial payment during the period. Any part of the payable amount of a liability left unpaid due to the prorating of payments under this subsection must be paid before the payment of liabilities that qualify for partial payment during any of the following six (6) month periods.

As added by P.L.272-1987, SEC.7.
Ind. Code § 27-19-2-16 — Indiana Code / Title 27 / Article 19 / Chapter 2 / Section 27-19-2-16
"Qualified health plan"
Status: in_force

Sec. 16. "Qualified health plan" means a health plan that has been certified under Section 1301 of PPACA (42 U.S.C. 18021(a)) to meet the criteria for availability through a health benefit exchange operated in Indiana.

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-1-37-11 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-11
Network adequacy standards
Status: in_force

Sec. 11. The department shall do the following:

(1) Require health carriers to meet network adequacy standards that are no less stringent than the network adequacy standards established by the Centers for Medicare and Medicaid Services.

(2) When assessing whether a health carrier has met the network adequacy standards, consider the availability and variety of independent specialty providers that provide services within in network provider facilities in the health carrier's network.

As added by P.L.215-2025, SEC.52.
Ind. Code § 27-4-1.5-3 — Indiana Code / Title 27 / Article 4 / Chapter 1.5 / Section 27-4-1.5-3
"Insured" defined
Status: in_force

Sec. 3. As used in this chapter, "insured" means a person who is entitled to the coverage provided by an insurance policy.

As added by P.L.194-1991, SEC.2.
Ind. Code § 27-1-13-18 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-18
Transfer on death transfer; insurance coverage
Status: in_force

Sec. 18. (a) This section applies to a loss or damages incurred after June 30, 2025, for a policy of insurance that is described in:

(1) Class 3(a) of IC 27-1-5-1; or

(2) Class 2(h) of IC 27-1-5-1.

However, this section does not apply to a commercial lines property insurance policy.

(b) This section applies regardless of whether the policy of insurance was created before, on, or after July 1, 2025, unless the application of this section to the policy of insurance would:

(1) for a policy issued before July 1, 2025, give a right to a beneficiary that the beneficiary was not reasonably intended to have, other than the beneficiary's right to insurance coverage until the time limitation described in subsection (e); or

(2) for a policy issued at any time, relieve a beneficiary from a duty or liability imposed on the insured by the terms of the policy.

(c) The following definitions apply throughout this section:

(1) "Beneficiary" has the meaning set forth in IC 32-17-14-3(1).

(2) "Insurable interest" means an insured's interest in real property, concerning which the insured is entitled to the benefits of insurance coverage under a property insurance policy.

(3) "Insured" means a person who is entitled to the benefits of insurance coverage under a property insurance policy.

(4) "Named insured" means a person identified by name as an insured under a property insurance policy.

(5) "Property insurance policy" means a policy of insurance that is described in Class 2(h) or Class 3(a) of IC 27-1-5-1. The term does not include a commercial lines property insurance policy.

(6) "Transfer" means an ownership change in a named insured's insurable interest in real property to a beneficiary of a transfer on death deed that occurs as a consequence of the named insured's death.

(7) "Transferee" means a person who has acquired or received a named insured's insurable interest in real property through a transfer.

(8) "Transfer on death deed" has the meaning set forth in IC 32-17-14-3(16).

(d) Subject to subsection (e), each transferee of a named insured's insurable interest in real property is also an insured to the extent of the named insured's insurable interest in real property that the transferee has acquired or received through a transfer.

(e) Except as provided in subsections (f) and (g) and IC 32-38-3-1, for a period of sixty (60) days immediately following the death of the insured, each transferee is an insured under a property insurance policy insuring the real property the transferee acquired or received through a transfer. At the time of the insured's death, the transferee succeeds to the rights and obligations of the insured under the property insurance policy, to the extent of the insured's insurable interest in real property that the transferee has acquired or received through a transfer, for the sixty (60) day period.

(f) If a property insurance policy has a policy expiration date that is less than sixty (60) days after the death of the insured, insurance coverage continues for either:

(1) thirty (30) days; or

(2) the policy expiration date;

whichever is later.

(g) If a transferee obtains a property insurance policy insuring the real property the transferee acquired or received through a transfer, the transferee is not an insured on the insurance policy described in subsection (e) once the transferee's property insurance policy becomes effective.

As added by P.L.2-2024, SEC.1. Amended by P.L.161-2024, SEC.1; P.L.6-2025, SEC.1.
Ind. Code § 27-1-37.7-5 — Indiana Code / Title 27 / Article 1 / Chapter 37.7 / Section 27-1-37.7-5
Receipt, categorization, and maintenance of information on prior authorization disputes
Status: in_force

Sec. 5. (a) The department may:

(1) receive;

(2) categorize; and

(3) maintain;

any information provided by a health care provider or a health plan under this chapter.

(b) The department may not adjudicate or otherwise mediate any of the disputes between health care providers and health plans.

As added by P.L.215-2025, SEC.53.
Ind. Code § 27-14.5-1-7 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-7
"Affiliate"
Status: in_force

Sec. 7. "Affiliate" means a person who, directly or indirectly:

(1) controls;

(2) is controlled by; or

(3) is under common control with;

another person.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-1.5-26 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-26
"Purposes and Procedures Manual of the NAIC Investment Analysis Office"
Status: in_force

Sec. 26. "Purposes and Procedures Manual of the NAIC Investment Analysis Office" refers to the document entitled "Purposes and Procedures Manual of the NAIC Investment Analysis Office" that is:

(1) adopted by the NAIC; and

(2) in effect on January 1, 2018.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-1-44-2 — Indiana Code / Title 27 / Article 1 / Chapter 44 / Section 27-1-44-2
Electronic posting of policy or endorsement
Status: in_force

Sec. 2. A standard property and casualty insurance policy or endorsement that does not contain personally identifiable information may be:

(1) mailed or electronically delivered (as provided in IC 27-1-43) to the insured; or

(2) posted on the insurer's Internet web site.

As added by P.L.119-2014, SEC.2.
Ind. Code § 27-1-46-5 — Indiana Code / Title 27 / Article 1 / Chapter 46 / Section 27-1-46-5
"Network"
Status: in_force

Sec. 5. (a) As used in this chapter, "network" means a group of provider facilities and practitioners that:

(1) provide health care services to covered individuals; and

(2) have agreed to, or are otherwise subject to, maximum limits on the prices for the health care services to be provided to the covered individuals.

(b) The term includes the following:

(1) A network described in subsection (a) that is established pursuant to a contract between an insurer providing coverage under a group health policy and:

(A) individual provider facilities and practitioners;

(B) a preferred provider organization; or

(C) an entity that employs or represents providers, including:

(i) an independent practice association; and

(ii) a physician-hospital organization.

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

As added by P.L.93-2020, SEC.12.
Ind. Code § 27-8-5.7-8 — Indiana Code / Title 27 / Article 8 / Chapter 5.7 / Section 27-8-5.7-8
Civil penalties
Status: in_force

Sec. 8. (a) If the commissioner finds that an insurer has failed during any calendar year to process and pay clean claims in compliance with this chapter, the commissioner may assess an aggregate civil penalty against the insurer according to the following schedule:

(1) If the insurer has paid at least eighty-five percent (85%) but less than ninety-five percent (95%) of all clean claims received from all providers during the calendar year in compliance with this chapter, a civil penalty of up to ten thousand dollars ($10,000).

(2) If the insurer has paid at least sixty percent (60%) but less than eighty-five percent (85%) of all clean claims received from all providers during the calendar year in compliance with this chapter, a civil penalty of at least ten thousand dollars ($10,000) but not more than one hundred thousand dollars ($100,000).

(3) If the insurer has paid less than sixty percent (60%) of all clean claims received from all providers during the calendar year in compliance with this chapter, a civil penalty of at least one hundred thousand dollars ($100,000) but not more than two hundred thousand dollars ($200,000).

(b) In determining the amount of a civil penalty under this section, the commissioner shall consider whether the insurer's failure to achieve the standards established by this chapter is due to circumstances beyond the insurer's control.

(c) An insurer may contest a civil penalty imposed under this section by requesting an administrative hearing under IC 4-21.5 not more than thirty (30) days after the insurer receives notice of the assessment of the fine.

(d) If the commissioner imposes a civil penalty under this section, the commissioner may not impose a penalty against the insurer under IC 27-4-1 for the same activity.

(e) Civil penalties collected under this section shall be deposited in the state general fund.

As added by P.L.162-2001, SEC.5.
Ind. Code § 27-8-13-13 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-13
Repealed
Status: repealed

As added by P.L.255-1989, SEC.10. Repealed by P.L.149-1990, SEC.6.
Ind. Code § 27-1-12-35 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-35
Life insurance proceeds; payment; time limit; liability for interest
Status: in_force

Sec. 35. (a) Any resident of this state who becomes entitled to receive payment of an obligation in cash under the terms of a policy of individual life insurance issued in this state, including any death benefit riders attached thereto, endowment insurance or an individual annuity contract, shall be entitled to receive payment of interest from the insuring company if any payment is not received by such resident within thirty (30) days after the event giving rise to the obligation, or within thirty (30) days after the scheduled date of payment as the case may be. Interest payable shall be calculated from the date of the event or the scheduled date of payment. However, any interest awarded by a court shall be in lieu of that provided in this section.

(b) The rate of interest payable pursuant to this section shall be not less than that rate, as determined from time to time by the insuring company, applicable to proceeds of life insurance left on deposit with the insuring company and subject to withdrawal on demand.

(c) For the purposes of this section, payment shall be deemed to have been received by a resident when manually delivered by an agent or representative of the insuring company or when deposited by the insuring company in the United States mails, postage prepaid, and directed to the resident at his last known address as evidenced by the business records of the insuring company.

As added by Acts 1978, P.L.8, SEC.15.
Ind. Code § 27-5.1-4-2 — Indiana Code / Title 27 / Article 5.1 / Chapter 4 / Section 27-5.1-4-2
Companies existing on June 30, 2003; extended company election; amended certificate of authority
Status: in_force

Sec. 2. (a) A farm mutual insurance company that was authorized to provide insurance in Indiana on June 30, 2003, may elect to obtain a certificate of authority as an extended company.

(b) An election under subsection (a) is made by:

(1) an affirmative vote by the board of directors of the farm mutual insurance company:

(A) on a resolution to convert to an extended company; and

(B) on an amendment of the articles of incorporation of the farm mutual insurance company; and

(2) filing:

(A) the resolution;

(B) the amended articles of incorporation; and

(C) other information that the commissioner considers necessary for review;

with the commissioner.

(c) The commissioner shall, upon:

(1) receiving a filing specified under subsection (b)(2); and

(2) determining that the farm mutual insurance company is in compliance with the requirements of this article and other applicable law;

issue an amended certificate of authority to the farm mutual insurance company authorizing the farm mutual insurance company as an extended company.

(d) A farm mutual insurance company, after receiving an amended certificate of authority under subsection (c):

(1) is subject to the requirements of this chapter; and

(2) may commence the business of insurance as an extended company.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-13-34-20 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-20
Suspension or revocation of certificate of authority
Status: in_force

Sec. 20. (a) The commissioner may suspend or revoke the certificate of authority issued to a limited service health maintenance organization under this chapter or deny an application submitted under this chapter upon determining that any of the following conditions exist:

(1) The limited service health maintenance organization is operating:

(A) significantly in contravention of the basic organizational document of the organization; or

(B) in a manner contrary to that described in and reasonably inferred from any other information submitted under section 8 of this chapter;

unless amendments to the organization's submissions have been filed and authorized under section 11 of this chapter.

(2) The limited service health maintenance organization issues an evidence of coverage that does not comply with the requirements of section 13 of this chapter.

(3) The limited service health maintenance organization is unable to fulfill its obligations to furnish limited health services.

(4) The limited service health maintenance organization is not financially responsible and may reasonably be expected to be unable to meet its obligations to enrollees or prospective enrollees.

(5) The net worth of the limited service health maintenance organization is less than that required by section 16 of this chapter, or the limited service health maintenance organization has failed to correct any deficiency in its net worth as required by the commissioner.

(6) The limited service health maintenance organization has failed to implement in a reasonable manner the grievance system required by IC 27-13-10.

(7) The continued operation of the limited service health maintenance organization would be hazardous to the enrollees of the organization.

(8) The limited service health maintenance organization has otherwise failed to comply with this chapter.

(b) The commissioner may suspend or revoke a certificate of authority or deny an application for a certificate of authority by written order sent to the limited service health maintenance organization by certified mail or registered mail. The written order shall state the grounds for the suspension, revocation, or denial. A limited service health maintenance organization may request in writing a hearing within thirty (30) days after mailing of the order. If the limited service health maintenance organization requests a hearing within the time specified, the commissioner shall hold a hearing, which may not be less than twenty (20) days or more than sixty (60) days after the date of the notice for a hearing on the matter under IC 4-21.5.

(c) Immediately after the certificate of authority of a limited service health maintenance organization is revoked, the organization shall proceed to wind up its affairs. An organization whose certificate is revoked:

(1) shall not conduct further business except as may be essential to the orderly conclusion of the affairs of the organization; and

(2) shall not engage in further advertising or solicitation.

However, the commissioner may, by written order, permit the further operation of the organization as the commissioner may find to be in the best interest of enrollees, to the end that enrollees will be afforded the greatest practical opportunity to obtain continuing limited health services.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-34-1 — Indiana Code / Title 27 / Article 1 / Chapter 34 / Section 27-1-34-1
"Arrangement" or "Multiple employer welfare arrangement"
Status: in_force

Sec. 1. (a) As used in this chapter, "arrangement" refers to a multiple employer welfare arrangement.

(b) As used in this chapter, "multiple employer welfare arrangement" means an entity other than a duly admitted insurer that establishes an employee benefit plan for the purpose of offering or providing accident and sickness or death benefits to the employees of at least two (2) employers, including self-employed individuals and their dependents. For purposes of this subsection, two (2) employers, one (1) of which holds an ownership interest of at least fifty-one percent (51%) in the other, are considered to be one (1) employer.

As added by P.L.1-1992, SEC.149. Amended by P.L.173-2007, SEC.19.
Ind. Code § 27-1-12-29 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-29
Group life insurance; exemption of proceeds from legal process
Status: in_force

Sec. 29. (a) As used in this section, "premium" includes any deposit or contribution.

(b) Except as provided in subsection (c), no policy of group insurance nor the proceeds thereof, when paid to any employee or employees, shall be liable to attachment, garnishment, or other process, or to be seized, taken, appropriated, or applied to any legal or equitable process or operation of law, to pay any debt or liability of such employee, or the employee's beneficiary, or any other person who may have a right under the policy, either before or after payment, nor shall the proceeds thereof, where not payable to a named beneficiary, constitute a part of the estate of the employee for the payment of the employee's debts.

(c) A premium paid for an individual life insurance policy that names as a beneficiary, or is legally assigned to, a spouse, child, or relative who is dependent upon the policy owner is not exempt from the claims of the creditors of the policy owner if the premium is paid:

(1) not more than one (1) year before the date of the filing of a voluntary or involuntary bankruptcy petition by; or

(2) to defraud the creditors of;

the policy owner.

(d) The insurer issuing the policy is discharged from all liability by payment of the proceeds and avails of the policy (as defined in section 14(b) of this chapter) in accordance with the terms of the policy unless, before payment, the insurer has received at the insurer's home office, written notice by or on behalf of a creditor of the policy owner that specifies the amount claimed against the policy owner.

Formerly: Acts 1935, c.162, s.168. As amended by P.L.253-1995, SEC.2; P.L.136-2018, SEC.159.
Ind. Code § 27-1-12-17 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-17
Authority of corporation to insure life of director, officers, agent, or employee; consent to change of beneficiary
Status: in_force

Sec. 17. Any corporation organized under the laws of this state may, when authorized by its board of directors, or its executive committee, cause to be insured, for its benefit, the life of any of its directors, officers, agents or employees, and to pay the premiums for such insurance; and may continue to pay such premiums after the insured shall cease to be such a director, officer, agent or employee of such corporation.

Due authority for such corporation to effect, assign, release, convert, surrender, or take any other action with reference to such insurance, shall be sufficiently evidenced to the insurance company by a certificate to that effect by the secretary, or other corresponding officer of such corporation under its corporate seal. Any such certificate shall protect the insurance company for any act done or suffered by it upon the faith thereof, without further inquiry into the validity of the corporate authority or the regularity of the corporate proceedings. The beneficiary in such a policy shall not be changed except with the consent of such corporation, beneficiary, effecting such insurance.

No person shall, by reason of interest in the subject matter, be disqualified from acting as a director, or as a member of the executive committee of such corporation on any corporate act touching such insurance.

Formerly: Acts 1935, c.162, s.156.
Ind. Code § 27-5.1-2-11 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-11
Board of directors
Status: in_force

Sec. 11. (a) A farm mutual insurance company shall elect a board of directors consisting of at least five (5) policyholders.

(b) To be elected to the board of directors of a farm mutual insurance company, an individual must be the owner of an insurance policy issued by the farm mutual insurance company.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-13-10.1-5 — Indiana Code / Title 27 / Article 13 / Chapter 10.1 / Section 27-13-10.1-5
Determination binding on health maintenance organization
Status: in_force

Sec. 5. A determination made under section 4 of this chapter is binding on the health maintenance organization.

As added by P.L.133-1999, SEC.7.
Ind. Code § 27-13-1-25 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-25
"Person"
Status: in_force

Sec. 25. "Person" includes the following:

(1) An individual.

(2) A partnership.

(3) An association.

(4) A trust.

(5) A limited liability company.

(6) A corporation.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-8-28-15 — Indiana Code / Title 27 / Article 8 / Chapter 28 / Section 27-8-28-15
Assistance in filing grievance; designation of representative
Status: in_force

Sec. 15. (a) An insurer shall establish procedures to assist covered individuals in filing grievances.

(b) A covered individual may designate a representative to file a grievance for the covered individual and to represent the covered individual in a grievance under this chapter.

As added by P.L.66-2001, SEC.2 and P.L.203-2001, SEC.13.
Ind. Code § 27-2-30-4 — Indiana Code / Title 27 / Article 2 / Chapter 30 / Section 27-2-30-4
"Insurer"
Status: in_force

Sec. 4. As used in this chapter, "insurer" means an insurance company that issues or delivers a property and casualty insurance policy.

As added by P.L.61-2026, SEC.1.
Ind. Code § 27-7-10-13 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-13
Establishment of risk retention groups; certificate of authority; submission of plan of operation or feasibility study; revision of plan; required information
Status: in_force

Sec. 13. (a) This section governs the establishment of a risk retention group in Indiana.

(b) A risk retention group may be organized and may obtain a certificate of authority under IC 27-1-6 to write only liability insurance pursuant to this chapter. Except as otherwise provided in this chapter, a risk retention group established under this section shall comply with:

(1) all laws and rules that apply to insurers that are chartered and licensed in Indiana; and

(2) sections 14 through 22 of this chapter;

to the extent that the requirements referred to in subdivisions (1) and (2) are not a limitation on the laws, rules, or requirements of this state.

(c) Before a risk retention group to be established under this section may offer insurance in any state, the organizers of the risk retention group shall submit for approval to the commissioner of this state a plan of operation or feasibility study. The risk retention group shall submit an appropriate revision in the event of any subsequent material change in an item of the plan of operation or feasibility study, within ten (10) days of the change. A risk retention group established under this section may not offer any additional kinds of liability insurance, in Indiana or any other state, until a revision of the plan of operation or feasibility study is approved by the commissioner.

(d) At the time that an application is submitted for a certificate of authority for a risk retention group, the organizers of the risk retention group shall provide to the commissioner of this state, in summary form, the following information:

(1) The identity of the initial members of the group.

(2) The identity of those individuals who organized the group or who will provide administrative services or otherwise influence or control the activities of the group.

(3) The amount and nature of initial capitalization of the group.

(4) The types of insurance coverage to be afforded by the group.

(5) The states in which the group intends to operate.

(e) Upon receiving the information required by subsection (d), the commissioner of this state shall forward the information to the National Association of Insurance Commissioners. The requirement to provide information to the National Association of Insurance Commissioners under this section is in addition to all other requirements of this chapter, and providing this information does not satisfy the requirements of sections 14 through 22 or any other sections of this chapter.

As added by P.L.162-1988, SEC.2.
Ind. Code § 27-14.5-1-14 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-14
"Employee benefit plan"
Status: in_force

Sec. 14. "Employee benefit plan" means an employee benefit plan established by a mutual insurance holding company or by one (1) or more of the subsidiaries of a mutual insurance holding company for the sole benefit of its:

(1) employees; or

(2) sales agents.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-8-5-19.3 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-19.3
Association and discretionary group policies of accident and sickness insurance; waiver of coverage
Status: in_force

Sec. 19.3. (a) This section applies to an association or a discretionary group policy of accident and sickness insurance:

(1) under which a certificate of coverage is issued after June 30, 2005, to an individual member of the association or discretionary group;

(2) under which a member of the association or discretionary group is individually underwritten; and

(3) that is not employer based.

(b) Notwithstanding sections 19 and 19.2 of this chapter and any other law, and except as provided in subsection (e), a policy described in subsection (a) may contain a waiver of coverage for a specified condition and any complications that arise from the specified condition if:

(1) the waiver period does not exceed ten (10) years; and

(2) all of the following conditions are met:

(A) The insurer provides to the applicant before issuance of the certificate written notice explaining the waiver of coverage for the specified condition and complications arising from the specified condition.

(B) The:

(i) offer of coverage; and

(ii) certificate of coverage;

include the waiver in a separate section stating in bold print that the applicant is receiving coverage with an exception for the waived condition.

(C) The:

(i) offer of coverage; and

(ii) certificate of coverage;

do not include more than two (2) waivers per individual.

(D) The waiver period is concurrent with and not in addition to any applicable preexisting condition limitation or exclusionary period.

(E) The insurer agrees to:

(i) review the underwriting basis for the waiver upon request one (1) time per year; and

(ii) remove the waiver if the insurer determines that evidence of insurability is satisfactory.

(F) The insurer discloses to the applicant that the applicant may decline the offer of coverage, and that any individual to whom the waiver would have applied may apply for a policy issued by the Indiana comprehensive health insurance association under IC 27-8-10.

(G) An insurance benefit card issued by the insurer to the applicant includes a telephone number for verification of coverage waived.

(c) The insurer shall require an applicant to initial the written notice provided under subsection (b)(2)(A) and the waiver included in the offer of coverage and in the certificate of coverage under subsection (b)(2)(B) to acknowledge acceptance of the waiver of coverage.

(d) An offer of coverage under a policy that includes a waiver under this section does not preclude eligibility for an Indiana comprehensive health insurance association policy under IC 27-8-10-5.1.

(e) A policy described in subsection (a) may not include a waiver of coverage for a:

(1) mental health condition; or

(2) developmental disability.

(f) An insurer may not, on the basis of a waiver contained in a policy as provided in this section, deny coverage for any condition or complication that is not specified as required in the:

(1) written notice under subsection (b)(2)(A); and

(2) offer of coverage and certificate of coverage under subsection (b)(2)(B).

(g) An insurer that removes a waiver under subsection (b)(2)(E) shall not consider the condition or any complication to which the waiver previously applied in making policy renewal and underwriting determinations.

(h) Upon the expiration of the waiver period allowed under this section, the insurer shall:

(1) remove the waiver;

(2) not consider the condition or any complication to which the waiver previously applied in making policy underwriting determinations; and

(3) renew the policy in accordance with 45 CFR 148.122.

As added by P.L.211-2005, SEC.2.
Ind. Code § 27-1-36-22 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-22
"Regulatory action level RBC"
Status: in_force

Sec. 22. As used in this chapter, "regulatory action level RBC" means, with respect to an insurer, the product of one and five-tenths (1.5) multiplied by the insurer's authorized control level RBC.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-1-12.8-14 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-14
"Qualified actuary"
Status: in_force

Sec. 14. (a) Before the operative date of the valuation manual specified in section 34 of this chapter, as used in this chapter, "qualified actuary" means an individual who is qualified to sign the applicable statement of actuarial opinion in accordance with the American Academy of Actuaries qualification standards.

(b) On and after the operative date of the valuation manual specified in section 34 of this chapter, as used in this chapter, "qualified actuary" means an individual who:

(1) is qualified to sign the applicable statement of actuarial opinion in accordance with the American Academy of Actuaries qualification standards; and

(2) meets the requirements specified in the valuation manual.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-8-3-26 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-26
Exempt organizations
Status: in_force

Sec. 26. Nothing contained in sections 1 through 25 of this chapter shall be construed to apply to secret or fraternal societies, lodges or councils that are now organized, or that may hereafter be organized, which conduct their business and secure members on the lodge system, exclusively, having ritualistic work and ceremonies in their societies, lodges or councils, and which are under the supervision of a grand or supreme body, nor to any association organized solely for benevolent purposes and not for profit; nor to any association of religious or secret societies, nor to any class of mechanics, express, telegraph or railroad employees or veterans described in IC 10-17-5-2 or IC 10-17-5-1 (before their repeal) or any existing societies now doing business and formed for the mutual benefit of the members thereof and their families exclusively.

Formerly: Acts 1897, c.195, s.26. As amended by Acts 1980, P.L.38, SEC.18; P.L.2-2003, SEC.70; P.L.42-2020, SEC.18.
Ind. Code § 27-9-3-43 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-43
Deposit of unclaimed funds
Status: in_force

Sec. 43. (a) All unclaimed funds subject to distribution remaining in the liquidator's hands when the liquidator is ready to apply to the Marion County circuit court for discharge, including the amount distributable to any creditor, shareholder, member, or other person who is unknown or cannot be found, shall be deposited with the treasurer of state, and shall be paid without interest except in accordance with section 40 of this chapter to the person entitled to it or his legal representative upon proof satisfactory to the treasurer of state of his right to it. Any amount on deposit that is not claimed within six (6) years from the discharge of the liquidator shall be treated as if abandoned and shall be escheated without formal escheat proceedings and be deposited in the state general fund.

(b) All funds withheld under section 35 of this chapter and not distributed shall upon discharge of the liquidator be deposited with the treasurer of state and paid by him as required by section 40 of this chapter. Any sums remaining, which under section 40 of this chapter would revert to the undistributed assets of the insurer, shall be transferred to the treasurer of state and become the property of the state as provided by subsection (a), unless the commissioner in his discretion petitions the Marion County circuit court to reopen the liquidation under section 45 of this chapter.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-36-9 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-9
"Foreign insurer"
Status: in_force

Sec. 9. As used in this chapter, "foreign insurer" means the following:

(1) An insurer that is:

(A) licensed to do business in Indiana under IC 27-1-17; but

(B) not a domestic insurer.

(2) A health maintenance organization that:

(A) is organized under the laws of a state other than Indiana, a territory or another insular possession of the United States, or the District of Columbia; and

(B) has obtained a certificate of authority under IC 27-13-2.

(3) A limited service health maintenance organization that:

(A) is organized under the laws of a state other than Indiana, a territory or another insular possession of the United States, or the District of Columbia; and

(B) has obtained a certificate of authority under IC 27-13-34.

(4) A fraternal benefit society that:

(A) is organized under the laws of a state other than Indiana, a territory or another insular possession of the United States, or the District of Columbia; and

(B) has obtained a certificate of authority under IC 27-11-8-5.

As added by P.L.186-1996, SEC.1. Amended by P.L.51-2002, SEC.3; P.L.276-2013, SEC.18.
Ind. Code § 27-13-7-16 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-16
Prostate specific antigen test
Status: in_force

Sec. 16. (a) As used in this section, "prostate specific antigen test" means a standard blood test performed to determine the level of prostate specific antigen in the blood.

(b) Except as provided in subsection (f), a health maintenance organization issued a certificate of authority in Indiana shall provide prostate specific antigen testing as a covered service under every group contract that provides coverage for basic health care services.

(c) Except as provided in subsection (f), the coverage required under subsection (b) must include the following:

(1) At least one (1) prostate specific antigen test annually for a male enrollee who is at least fifty (50) years of age.

(2) At least one (1) prostate specific antigen test annually for a male enrollee who is less than fifty (50) years of age and who is at high risk for prostate cancer according to the American Cancer Society guidelines.

(d) Except as provided in subsection (f), the coverage that a health maintenance organization must provide under this section may not be subject to a contract provision that is less favorable to an enrollee than a contract provision applying to physical illness generally under the health maintenance organization contract.

(e) Except as provided in subsection (f), the coverage that a health maintenance organization must provide under this section is in addition to services specifically provided for x-rays, laboratory testing, or wellness examinations.

(f) In the case of coverage that is not employer based, the health maintenance organization must offer to provide the coverage described in subsections (b) through (e).

As added by P.L.170-1999, SEC.6. Amended by P.L.124-2018, SEC.89.
Ind. Code § 27-17-5-2 — Indiana Code / Title 27 / Article 17 / Chapter 5 / Section 27-17-5-2
Agreement; requirements
Status: in_force

Sec. 2. (a) A person that wishes to be a cardholder of a discount medical card program shall enter into a written agreement with the discount medical card program organization.

(b) A written agreement entered into under subsection (a) must:

(1) specify the cardholder's benefits under the discount medical card program;

(2) specify excluded medical services;

(3) specify that the discount medical card program organization will continuously make available to the cardholder, through a toll free telephone number, the Internet, or in writing upon request, the:

(A) name;

(B) address;

(C) telephone number; and

(D) specialty;

of each program provider in the cardholder's service area; and

(4) comply with the disclosure requirements specified under section 1 of this chapter.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-37.6-13 — Indiana Code / Title 27 / Article 1 / Chapter 37.6 / Section 27-1-37.6-13
"Provider organization"
Status: in_force

Sec. 13. As used in this chapter, "provider organization" means an entity that serves beneficiaries on a risk basis through a network of employed or affiliated providers.

As added by P.L.203-2023, SEC.19.
Ind. Code § 27-13-7-7.5 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-7.5
Prohibition on coverage of abortion; exceptions; coverage through rider or endorsement
Status: in_force

Sec. 7.5. (a) A health maintenance organization that provides coverage for basic health care services and that is entered into, delivered, amended, or renewed after December 31, 2014, under a group contract or an individual contract may not provide coverage for abortion unless the abortion is permitted under IC 16-34-2-1.

(b) A health maintenance organization that enters into a group contract or an individual contract described in subsection (a) may offer coverage for an abortion permitted under IC 16-34-2-1 through a rider or an endorsement.

As added by P.L.124-2014, SEC.2. Amended by P.L.179-2022(ss), SEC.47.
Ind. Code § 27-7-5-1.5 — Indiana Code / Title 27 / Article 7 / Chapter 5 / Section 27-7-5-1.5
Repealed
Status: repealed

As added by P.L.72-2005, SEC.1. Repealed by P.L.124-2009, SEC.4.
Ind. Code § 27-13-38-6 — Indiana Code / Title 27 / Article 13 / Chapter 38 / Section 27-13-38-6
Adoption of rules
Status: in_force

Sec. 6. The commissioner, with input and assistance from the state health commissioner, may adopt rules under IC 4-22-2 to implement this chapter.

As added by P.L.69-1998, SEC.16.
Ind. Code § 27-1-8-12 — Indiana Code / Title 27 / Article 1 / Chapter 8 / Section 27-1-8-12
Restrictions on amendments; decreasing capital stock
Status: in_force

Sec. 12. A company may amend its articles by providing for a decrease of its capital stock to an amount not less than the minimum capital required for the kind or kinds of insurance transacted by the company before the amendment of the company's articles of incorporation. The department shall not approve or issue its certified copy of such amendment to the company if it shall be of the opinion that the interests of policyholders or creditors may be prejudiced thereby. No distribution of the assets of the company shall be made to shareholders upon any such decrease of capital which shall reduce the surplus of its assets over its liabilities, including capital, to less than the minimum surplus required by this article. Upon any such amendment so decreasing the capital, such company may require each shareholder to return the shareholder's certificate of stock and accept a new certificate for such proportion of the amount of its original stock as the reduced capital shall bear to the original capital.

Formerly: Acts 1935, c.162, s.113. As amended by P.L.252-1985, SEC.38; P.L.136-2018, SEC.154.
Ind. Code § 27-6-6-15 — Indiana Code / Title 27 / Article 6 / Chapter 6 / Section 27-6-6-15
Loans or advances; purposes; repayment; approval; interest rate; restrictions
Status: in_force

Sec. 15. The attorney for the subscribers at a reciprocal or interinsurance exchange organized under this law may on behalf of the subscribers borrow or assume a loan or advance for the repayment of a sum of money sufficient to defray the reasonable expenses in the establishment of such an exchange or to enable the attorney for the subscribers at the exchange to comply with any requirement of the law or as a guarantee fund upon agreement. The borrowing or assumption shall first be submitted to and approved by the department, and shall be repaid only out of the surplus, earnings or profits at the exchange with the approval of the department. The department shall withhold its approval of any repayment whenever in its judgment the financial condition of the attorney for the subscribers at such exchange shall warrant, but shall not withhold its approval if after the repayment the attorney-in-fact for subscribers at the exchange shall have and be in possession of a surplus equal to ten percent (10%) or more of the gross annual premium of the subscribers. Any such loan or advance shall not form a part of the legal liabilities of the attorney for the subscribers at the exchange but until repaid, all statements published by the attorney for the subscribers or filed with the department, shall show the amount thereof then remaining unpaid. However, this section shall not be construed as an extension of the liability of any subscriber beyond that expressly provided for in the subscribers' agreement or power of attorney. The per annum interest rate on any loan or advance shall not exceed three-quarters of one percent (.75%) above the prevailing prime bank rate charged by national banks and banks chartered by the state of Indiana with their principal offices in Indiana, or ten percent (10%), whichever is less. The department shall establish the prevailing prime bank rate for each calendar quarter equal to this rate for the first working day of the subsequent calendar quarter. The prime bank rate for any bank on a given day is the rate of interest it charges on unsecured loans made that day to its most credit-worthy customers. In establishing the prevailing prime bank rate the department may use the prime bank rate charged by the fifteen (15) largest banks with their principal offices in Indiana, or such other number as the department deems adequate. The total amount of interest shall be calculated on a three hundred sixty (360) day basis.

Formerly: Acts 1919, c.102, s.14a; Acts 1967, c.232, s.11. As amended by Acts 1977, P.L.287, SEC.1.
Ind. Code § 27-8-5-16.3 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-16.3
"Small employer"; implementation of program for joint purchase of health insurance; rules
Status: in_force

Sec. 16.3. (a) As used in this section, "small employer" has the meaning set forth in IC 27-8-15-14.

(b) The commissioner and the office of the secretary of family and social services may implement a program to allow two (2) or more small employers to join together to purchase health insurance, as described in section 16(8) of this chapter.

(c) The commissioner shall adopt rules under IC 4-22-2 necessary to implement this section.

As added by P.L.16-2009, SEC.29.
Ind. Code § 27-1-28-14 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-14
Qualifications; renewal; fees; expiration; content of license; change of information; contract for administration
Status: in_force

Sec. 14. (a) An independent adjuster may qualify for an independent adjuster license under this chapter in one (1) or more of the following lines of authority:

(1) Property and casualty insurance.

(2) Worker's compensation insurance.

(b) An independent adjuster licensed under this chapter is not required to hold another independent adjuster, insurance producer, or insurance administrator license in Indiana.

(c) An independent adjuster license:

(1) is effective for two (2) years after the date of issuance unless probated, suspended, revoked, or refused; and

(2) may be renewed if all requirements for renewal, including submission to the commissioner of a renewal fee of forty dollars ($40), are met on or before the renewal date.

(d) If an independent adjuster license expires, the independent adjuster may, within twelve (12) months after the date of expiration, be reissued an independent adjuster license upon receipt by the commissioner of:

(1) a request for reissuance, as prescribed by the commissioner; and

(2) a reissuance fee of eighty dollars ($80).

(e) An independent adjuster who is unable to comply with the license renewal requirements of this section due to:

(1) military service;

(2) long term medical disability; or

(3) another extenuating circumstance determined by the commissioner;

may request a waiver of the renewal requirements or applicable sanction.

(f) A license issued under this chapter must contain the following:

(1) The licensee's name, address, and personal identification number.

(2) The date of issuance.

(3) The date of expiration.

(4) Other information considered necessary by the commissioner.

(g) An independent adjuster is subject to IC 27-4-1-4.5.

(h) An independent adjuster shall, not more than thirty (30) days after the occurrence of a change of the independent adjuster's:

(1) legal name; or

(2) home state address;

provide written notice to the commissioner of the change.

(i) The commissioner may contract with a nongovernmental entity to perform ministerial functions required by this section, including the collection of data and fees related to licensing.

As added by P.L.11-2011, SEC.22.
Ind. Code § 27-1-15.6-5 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-5
Licensing examination
Status: in_force

Sec. 5. (a) A resident individual applying for:

(1) an insurance producer license;

(2) a consultant's license; or

(3) a surplus lines producer license;

must pass a written examination unless the individual is exempt under section 9 of this chapter.

(b) The examination required under subsection (a) must test the knowledge of the individual concerning the:

(1) lines of authority for which application is made;

(2) duties and responsibilities of a licensee; and

(3) insurance laws and administrative rules of Indiana.

(c) Examinations required under this section must be developed and conducted under rules adopted by the commissioner.

(d) The commissioner may make arrangements, including contracting with an outside testing service, for administering examinations, collecting the nonrefundable examination fee as established by contract with an outside testing service, or collecting the nonrefundable licensure fee set forth in section 32 of this chapter.

(e) An individual who fails to appear for the examination required under subsection (a) as scheduled or who fails to pass the examination must reapply for an examination and remit all required fees and forms before being rescheduled for another examination.

As added by P.L.132-2001, SEC.3. Amended by P.L.1-2002, SEC.105.
Ind. Code § 27-8-33-1 — Indiana Code / Title 27 / Article 8 / Chapter 33 / Section 27-8-33-1
"Abortion"
Status: in_force

Sec. 1. As used in this chapter, "abortion" has the meaning set forth in IC 16-18-2-1.

As added by P.L.193-2011, SEC.16. Amended by P.L.179-2022(ss), SEC.45.
Ind. Code § 27-13-10.1-4.5 — Indiana Code / Title 27 / Article 13 / Chapter 10.1 / Section 27-13-10.1-4.5
Information from independent review organization
Status: in_force

Sec. 4.5. Upon the request of an enrollee who is notified under section 4(c) of this chapter that the independent review organization has made a determination, the independent review organization shall provide to the enrollee all information reasonably necessary to enable the enrollee to understand the:

(1) effect of the determination on the enrollee; and

(2) manner in which the health maintenance organization may be expected to respond to the determination.

As added by P.L.173-2007, SEC.43.
Ind. Code § 27-13-7-0.1 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-0.1
Application of certain amendments to chapter
Status: in_force

Sec. 0.1. The following amendments to this chapter apply as follows:

(1) The addition of sections 15.3 and 16 of this chapter by P.L.170-1999 applies to health maintenance organization contracts that are issued, delivered, or renewed after June 30, 1999.

(2) The addition of section 18 of this chapter by P.L.166-2003 applies to a health maintenance organization contract that is entered into, delivered, amended, or renewed after December 31, 2003.

(3) The amendments made to section 14 of this chapter by P.L.204-2003 apply to an individual contract or a group contract that is entered into, delivered, amended, or renewed after June 30, 2003.

(4) The amendments made to section 14.8 of this chapter by P.L.226-2003 apply to a group or an individual contract with a health maintenance organization that is entered into, delivered, amended, or renewed after June 30, 2003.

(5) The amendments made to section 14.5 of this chapter by P.L.196-2005 apply to a health maintenance organization contract that is entered into, delivered, amended, or renewed after June 30, 2005.

(6) The amendments made to section 3 of this chapter by P.L.218-2007 apply to a health maintenance organization contract that is entered into, delivered, amended, or renewed after June 30, 2007.

(7) The addition of section 19 of this chapter by P.L.109-2008 applies to an individual contract or a group contract that is entered into, delivered, amended, or renewed after June 30, 2008.

As added by P.L.220-2011, SEC.457.
Ind. Code § 27-9-3-32 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-32
Proposal to disburse assets
Status: in_force

Sec. 32. (a) Within one hundred twenty (120) days of a final determination of insolvency of an insurer by the Marion County circuit court, the liquidator shall make application to that court for approval of a proposal to disburse assets out of marshalled assets, from time to time as those assets become available, to a guaranty association or foreign guaranty association having obligations because of the insolvency. If the liquidator determines that there are insufficient assets to disburse, the application required by this section shall be considered satisfied by the liquidator filing a statement setting forth the reasons for this determination.

(b) The proposal to disburse assets must include:

(1) Reserving amounts for the payment of expenses of administration and the payment of claims of secured creditors, to the extent of the value of the security held, and claims falling within the priorities established in section 40 of this chapter (Classes 1 and 2).

(2) Disbursement of the assets marshalled to date and subsequent disbursement of assets as they become available.

(3) Equitable allocation of disbursements to each of the guaranty associations and foreign guaranty associations entitled to disbursements.

(4) The securing by the liquidator from each of the associations entitled to disbursements under this section of an agreement to return to the liquidator those assets, together with income earned on assets previously disbursed, as may be required to pay claims of secured creditors and claims falling within the priorities established in section 40 of this chapter in accordance with those priorities. A bond may not be required of any guaranty association or foreign guaranty association.

(5) A full report to be made by each association to the liquidator accounting for all assets so disbursed to the association, all disbursements made therefrom, any interest earned by the association on those assets and any other matter as the court may direct.

(c) The liquidator's proposal must provide:

(1) for disbursements to the associations in amounts estimated at least equal to the claim payments made or to be made by disbursements for which those associations could assert a claim against the liquidator; and

(2) that if the assets available for disbursement from time to time do not equal or exceed the amount of the claim payments made or to be made by the association then disbursements shall be in the amount of available assets.

(d) With respect to an insolvent insurer writing life or health insurance or annuities, the liquidator's proposal must provide for disbursements of assets to any guaranty association or any foreign guaranty association covering life or health insurance or annuities or to any other entity or organization reinsuring, assuming, or guaranteeing policies or contracts of insurance under the laws creating those associations.

(e) Notice of application must be given to the association in and to the commissioners of insurance of each of the states. The notice shall be considered to have been given when deposited in the United States certified mails, first-class postage prepaid, at least thirty (30) days before submission of the application to the Marion County circuit court. Action on the application may be taken by the Marion County circuit court provided that:

(1) the required notice has been given; and

(2) the liquidator's proposal complies with subsections (b)(1) and (b)(2).

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-12-38 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-38
Group life insurance; requirements for issuance of policy to certain groups
Status: in_force

Sec. 38. (a) Group life insurance offered to a resident of Indiana under a group life insurance policy issued to a group other than one described in section 37(1)(A), (2)(A), (3)(A), (4)(A), (5)(A), or (6)(A) of this chapter is subject to the requirements set forth in subsections (b) through (e).

(b) A group life insurance policy described in subsection (a) may not be delivered in Indiana unless the commissioner finds that:

(1) the issuance of the policy is not contrary to the best interest of the public;

(2) the issuance of the policy would result in economies of acquisition or administration; and

(3) the benefits of the policy are reasonable in relation to the premiums charged.

(c) Group life insurance coverage may not be offered in Indiana by an insurer under a policy that was issued in another state unless Indiana or another state having requirements substantially similar to those contained in subsection (b) has made a determination that the policy meets those requirements.

(d) The premium for a policy described in subsection (a) must be paid either from the policyholder's funds, from funds contributed by the covered persons, or from both sources of funds.

(e) An insurer may exclude or limit the coverage under a policy described in subsection (a) on any person as to whom evidence of individual insurability is not satisfactory to the insurer.

As added by P.L.254-1985, SEC.2. Amended by P.L.268-1987, SEC.1.
Ind. Code § 27-1-49-11 — Indiana Code / Title 27 / Article 1 / Chapter 49 / Section 27-1-49-11
Disclosure of information; trade secret; confidentiality requirements
Status: in_force

Sec. 11. (a) In complying with the requirements of this chapter, an insurer or an insurer's agent may not publish or otherwise reveal information regarding the actual amount of rebates the insurer receives on a product, manufacturer, or pharmacy specific basis. This information is protected as a trade secret (as defined in IC 24-2-3-2) and may not be published or otherwise disclosed directly or indirectly.

(b) An insurer shall impose the confidentiality requirements of this section on any vendor or third party that performs health care or administrative services on behalf of the insurer and that may receive or have access to rebate information.

As added by P.L.166-2023, SEC.2.
Ind. Code § 27-1-37-1 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-1
"Emergency" defined
Status: in_force

Sec. 1. As used in this chapter, "emergency" means a medical condition that arises suddenly and unexpectedly and manifests itself by acute symptoms of such severity, including severe pain, that the absence of immediate medical attention could reasonably be expected by a prudent lay person who possesses an average knowledge of health and medicine to:

(1) place an individual's health in serious jeopardy;

(2) result in serious impairment to the individual's bodily functions; or

(3) result in serious dysfunction of a bodily organ or part of the individual.

As added by P.L.197-2001, SEC.1.
Ind. Code § 27-1-17-7 — Indiana Code / Title 27 / Article 1 / Chapter 17 / Section 27-1-17-7
Trustees of assets of alien insurer
Status: in_force

Sec. 7. The directors of an alien company may appoint citizens or corporations of the United States, approved by the commissioner, as its trustees to hold funds and assets in trust for the benefit of the policyholders and creditors of the company in the United States. A certified copy of the record of such appointment and of the deed of trust shall be filed with the commissioner, who may examine such trustees and any officers and agents, books and papers of the company in the same manner as he may examine officer, agents, books, papers and affairs of insurance companies. The funds and assets so held by such trustees shall, with the deposits otherwise made by the company and the funds and assets held by the company in the United States for the benefit of its policyholders and creditors in the United States, constitute the assets of the company for the purpose of making its financial statements required by this law.

Formerly: Acts 1935, c.162, s.232.
Ind. Code § 27-1-20-23 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-23
Remedies of receivership exclusive with department; exception in favor of judgment creditor
Status: in_force

Sec. 23. No order, judgment, or decree providing for an accounting or enjoining, restraining, or interfering with the operation of the business of any insurance company, association, or society, to which any provision of this article is applicable, or for the appointment of a temporary or permanent receiver thereof, shall be made or granted otherwise than upon the application of the department, except in an action by a judgment creditor or in proceedings supplemental to execution.

Formerly: Acts 1935, c.162, s.270a. As amended by P.L.252-1985, SEC.96.
Ind. Code § 27-8-5.8-6 — Indiana Code / Title 27 / Article 8 / Chapter 5.8 / Section 27-8-5.8-6
"Insurer"; electronic data base; required information; rules
Status: in_force

Sec. 6. (a) As used in this section, "insurer" means:

(1) an issuer of an accident and sickness insurance policy; or

(2) a third party administrator of health benefits and services under an accident and sickness insurance policy.

(b) The electronic data base by which an insurer allows an insured or a provider to verify an insured's coverage or benefits under an accident and sickness insurance policy issued or administered by the insurer must include the following information for each insured:

(1) Whether health benefits and services under the accident and sickness insurance policy are provided by:

(A) the issuer of the accident and sickness insurance policy; or

(B) a third party administrator.

(2) Whether the accident and sickness insurance policy is subject to state or federal regulation.

(c) The department of insurance shall adopt rules under IC 4-22-2 to ensure compliance with this section.

As added by P.L.111-2020, SEC.12.
Ind. Code § 27-1-36-55 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-55
Rules
Status: in_force

Sec. 55. The commissioner, under IC 4-22-2, may adopt reasonable rules necessary for the implementation of this chapter.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-1-4.1-13 — Indiana Code / Title 27 / Article 1 / Chapter 4.1 / Section 27-1-4.1-13
Failure to timely file; penalty; reduction
Status: in_force

Sec. 13. (a) An insurer that fails, without just cause (as determined by the commissioner), to timely file a CGAD as required by this chapter shall, after notice and hearing under IC 4-21.5, pay a civil penalty of one hundred dollars ($100) for each day of noncompliance, not to exceed ten thousand dollars ($10,000).

(b) The commissioner may reduce a penalty imposed under subsection (a) if the insurer demonstrates to the commissioner that the imposition of the penalty would constitute a financial hardship to the insurer.

(c) A civil penalty collected under this section shall be deposited in the department of insurance fund established by IC 27-1-3-28.

As added by P.L.146-2015, SEC.19.
Ind. Code § 27-1-29-15 — Indiana Code / Title 27 / Article 1 / Chapter 29 / Section 27-1-29-15
Filing notice of intent to become member of fund; relinquishing membership in fund
Status: in_force

Sec. 15. (a) A political subdivision may become a member of the fund by filing a written notice of its intent to become a member with the commission by the date exactly six (6) months before the expiration date of the liability insurance policy covering the political subdivision on December 31, 1986.

(b) Each political subdivision that files a notice of intent to become a member of the fund by the date set forth in subsection (a) shall be granted membership in the fund. A political subdivision that files a notice of intent to become a member after the date set forth in subsection (a) may be admitted to or rejected for membership in the fund at the discretion of the commission.

(c) A rule adopted by the commission to establish the procedures described in section 7(b)(4) of this chapter may not provide that a political subdivision continues to be a member of the fund more than twelve (12) months after the political subdivision gives notice to the commissioner of its intention to relinquish its membership.

(d) After relinquishing its membership in the fund, a political subdivision remains liable for its pro rata share of assessments to pay for liabilities of fund members that arose out of claims based upon acts or omissions that took place while the political subdivision was a member of the fund. If a political subdivision fails to pay an assessment to which it is subject under this chapter, the commission may give notice to any department or agency of the state (including the treasurer of state or the state comptroller) that is the custodian of money payable to the delinquent political subdivision after the date of the notice, that the political subdivision is in default on the payment of an assessment under this chapter. After receiving this notice, the department or agency shall withhold the delinquent amount from money payable to the political subdivision and pay over the money to the commission to be applied against the delinquent assessment.

As added by P.L.162-1986, SEC.1. Amended by P.L.273-1987, SEC.2; P.L.272-1987, SEC.5; P.L.9-2024, SEC.479.
Ind. Code § 27-8-31.4-3 — Indiana Code / Title 27 / Article 8 / Chapter 31.4 / Section 27-8-31.4-3
"Policy of accident and sickness insurance"
Status: in_force

Sec. 3. As used in this chapter, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. The term includes only a policy that:

(1) is issued on an individual or a group basis; and

(2) provides coverage for prescription medications.

As added by P.L.202-2017, SEC.20.
Ind. Code § 27-1-37.5-1.7 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-1.7
"Clinical peer"
Status: in_force

Sec. 1.7. As used in this chapter, "clinical peer" means the following:

(1) Except as provided in subdivision (3), for a review of a request from a physician, a physician who:

(A) holds a current and valid license under IC 25-22.5, has been granted reciprocity under IC 25-1-21, if reciprocity exists, or holds a license that is part of a compact in which Indiana has entered;

(B) is certified in the same specialty as the physician under review, as recognized by:

(i) the American Board of Medical Specialties; or

(ii) the American Osteopathic Association; and

(C) if the review specifically concerns subspecialty care, is certified in the same subspecialty as the physician under review, as recognized by:

(i) the American Board of Medical Specialties; or

(ii) the American Osteopathic Association.

(2) For a review of a request from an advanced practice registered nurse, an advanced practice registered nurse who:

(A) holds a current and valid license under IC 25-23-1 or has been granted reciprocity under IC 25-1-21, if reciprocity exists, or holds a license that is part of a compact in which Indiana has entered; and

(B) holds equivalent or similar:

(i) population focus; and

(ii) role specialty;

as the advanced practice registered nurse who is subject to the review.

(3) For a review of a request from a primary care physician (as defined in IC 25-22.5-5.5-1.5), a physician who:

(A) holds a current and valid license under IC 25-22.5, has been granted reciprocity under IC 25-1-21, if reciprocity exists, or holds a license that is part of a compact in which Indiana has entered;

(B) is certified in the same general practice of medicine under review, as recognized by:

(i) the American Board of Medical Specialties;

(ii) the American Board of Pediatrics; or

(iii) the American Osteopathic Association; and

(C) has been actively engaged in general practice for at least three (3) years.

(4) For a review of a request from a practitioner or health care provider other than those specified in subdivisions (1) through (3), a practitioner or health care provider who:

(A) holds a current and valid license in Indiana;

(B) has been granted reciprocity in Indiana, if reciprocity exists; or

(C) holds a license that is part of a compact in which Indiana has entered.

As added by P.L.190-2023, SEC.15. Amended by P.L.144-2025, SEC.5.
Ind. Code § 27-8-14.7-2 — Indiana Code / Title 27 / Article 8 / Chapter 14.7 / Section 27-8-14.7-2
"Insured" defined
Status: in_force

Sec. 2. As used in this chapter, "insured" means a male individual who is entitled to coverage under a policy of accident and sickness insurance.

As added by P.L.170-1999, SEC.4.
Ind. Code § 27-1-43.2-17 — Indiana Code / Title 27 / Article 1 / Chapter 43.2 / Section 27-1-43.2-17
Court action
Status: in_force

Sec. 17. The commissioner may commence an action in the circuit or superior court of Marion County to do the following:

(1) Enjoin an actual or threatened violation of this chapter.

(2) Seek restitution on behalf of a person aggrieved by a violation of this chapter.

As added by P.L.129-2014, SEC.10.
Ind. Code § 27-8-35.5-5 — Indiana Code / Title 27 / Article 8 / Chapter 35.5 / Section 27-8-35.5-5
Coverage for chronic pain management
Status: in_force

Sec. 5. A policy of accident and sickness insurance must provide coverage for medically necessary chronic pain management prescribed by an insured's treating practitioner.

As added by P.L.149-2019, SEC.5.
Ind. Code § 27-1-42-13 — Indiana Code / Title 27 / Article 1 / Chapter 42 / Section 27-1-42-13
Notice rights are under policy
Status: in_force

Sec. 13. (a) A person is not entitled to notice of:

(1) cancellation of;

(2) nonrenewal of; or

(3) a material change in;

a policy of property or casualty insurance unless the person has notice rights under the terms of the policy of property or casualty insurance or an endorsement to the policy.

(b) The terms and conditions of notice described in subsection (a) are governed by the policy of property or casualty insurance or an endorsement to the policy and are not altered by a certificate of insurance.

As added by P.L.70-2013, SEC.1.
Ind. Code § 27-8-5-21 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-21
Adopted children
Status: in_force

Sec. 21. (a) Any individual or group policy or plan of health and accident insurance regulated under this chapter or any health maintenance organization or limited service health maintenance organization regulated under IC 27-13 that provides coverage under a policy issued for delivery in Indiana must cover newly adopted children of the insured or enrollee. The coverage for newly adopted children will be the same as for other dependents. No policy or plan provision concerning preexisting condition limitations, insurability, eligibility, or health underwriting approval may be applied to newly adopted children when they are enrolled in accordance with this section.

(b) The coverage required by this section:

(1) is effective upon the earlier of:

(A) the date of placement for the purpose of adoption; or

(B) the date of the entry of an order granting the adoptive parent custody of the child for purposes of adoption;

(2) continues unless the placement is disrupted prior to legal adoption and the child is removed from placement; and

(3) continues unless required action as described in subsection (c) is not taken.

(c) If the payment of a specific premium or subscription fee is required to provide coverage for an adopted child, the policy or contract may require that notification of the adoption of the child as described in subsection (b) and the payment of the required premium or fees must be furnished to the insurer or nonprofit service or indemnity corporation within thirty-one (31) days after the adoption of the child in order to have the coverage continue beyond the thirty-one (31) day period.

As added by P.L.251-1989, SEC.1. Amended by P.L.98-1990, SEC.2; P.L.26-1994, SEC.11; P.L.116-1994, SEC.59; P.L.2-1995, SEC.106.
Ind. Code § 27-1-24.5-6.5 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-6.5
"Insurer"
Status: in_force

Sec. 6.5. As used in this chapter, "insurer" means an insurer subject to state law and rules regulating insurance or subject to the jurisdiction of the department that contracts, or offers to contract, to:

(1) provide;

(2) deliver;

(3) arrange for;

(4) pay for; or

(5) reimburse;

any of the costs of health care services to a covered individual under a health plan.

As added by P.L.237-2025, SEC.4.
Ind. Code § 27-11-8-5 — Indiana Code / Title 27 / Article 11 / Chapter 8 / Section 27-11-8-5
Requirements for issuance of license to transact business in Indiana
Status: in_force

Sec. 5. No foreign or alien society shall transact business in Indiana without a license issued by the commissioner. Any society desiring admission to Indiana shall comply substantially with the requirements and limitations of this article applicable to domestic societies. Any society may be licensed to transact business in Indiana upon filing with the commissioner:

(1) a certified copy of its articles of incorporation;

(2) a copy of its bylaws, certified by its secretary or corresponding officer;

(3) a power of attorney to the commissioner as prescribed in IC 27-11-9-1;

(4) a statement of its business under oath of its president and secretary or corresponding officers in a form prescribed by the commissioner, verified by an examination made by the supervising insurance official of its home state or other state, territory, province, or country and satisfactory to the commissioner;

(5) certification from the proper official of its home state, territory, province, or country that the society is legally incorporated and licensed to transact business in that state, territory, province, or country;

(6) copies of its certificate forms; and

(7) such other information as the commissioner considers necessary;

and upon a showing that its assets are invested in accordance with this chapter.

As added by P.L.262-1985, SEC.1. Amended by P.L.136-2018, SEC.204.
Ind. Code § 27-1-36-13 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-13
"NAIC"
Status: in_force

Sec. 13. As used in this chapter, "NAIC" refers to the National Association of Insurance Commissioners.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-2-22-9 — Indiana Code / Title 27 / Article 2 / Chapter 22 / Section 27-2-22-9
Violation of chapter
Status: in_force

Sec. 9. A violation of this chapter is an unfair and deceptive act in the business of insurance under IC 27-4-1-4.

As added by P.L.67-2011, SEC.1.
Ind. Code § 27-1-8-2 — Indiana Code / Title 27 / Article 1 / Chapter 8 / Section 27-1-8-2
Proposal of amendment
Status: in_force

Sec. 2. Every amendment to the articles of incorporation shall first be proposed by the board of directors, by the adoption of a resolution setting forth the proposed amendment and directing that it be submitted to a vote of the shareholders, members, or policyholders entitled to vote in respect thereof at a designated meeting of such shareholders, members, or policyholders which may be an annual meeting of the shareholders, members, or policyholders or a special meeting of the shareholders, members, or policyholders entitled to vote in respect thereof. If the resolution shall direct that the proposed amendment is to be submitted at an annual meeting, notice of the submission of the proposed amendment shall be included in the notice of such annual meeting. If the said resolution shall direct that the proposed amendment is to be submitted to a special meeting of the shareholders, members, or policyholders entitled to vote thereon, such special meeting shall be called by the resolution proposing the amendment, and notice of such meeting shall be given at the time in the manner provided in IC 27-1-7-7.

Formerly: Acts 1935, c.162, s.102. As amended by P.L.252-1985, SEC.33.
Ind. Code § 27-17-1-3 — Indiana Code / Title 27 / Article 17 / Chapter 1 / Section 27-17-1-3
"Commissioner"
Status: in_force

Sec. 3. "Commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-26-6 — Indiana Code / Title 27 / Article 1 / Chapter 26 / Section 27-1-26-6
Reading ease; alternative tests
Status: in_force

Sec. 6. The commissioner may approve the use of any other reading ease test as an alternative to the Flesch reading ease test if it is comparable in result to the Flesch reading ease test.

As added by Acts 1981, P.L.245, SEC.1.
Ind. Code § 27-8-12-11 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-11
Establishment of new waiting period
Status: in_force

Sec. 11. (a) A long term care insurance policy may not:

(1) contain a provision establishing a new waiting period if an existing policy is converted to or replaced by a new form issued by the same insurer, except in the case of an increase in benefits voluntarily selected by the insured individual or group policyholder;

(2) be canceled, nonrenewed, or otherwise terminated on the grounds of age or the deterioration of the mental or physical health of the insured individual or certificate holder;

(3) provide coverage for skilled nursing care only; or

(4) provide significantly more coverage for skilled care than coverage for a lower level of care.

(b) Subsection (a) does not prohibit an insurer from voluntarily waiving any authorized waiting period.

As added by P.L.275-1987, SEC.1. Amended by P.L.114-1991, SEC.14.
Ind. Code § 27-7-9-3 — Indiana Code / Title 27 / Article 7 / Chapter 9 / Section 27-7-9-3
"Mine subsidence"
Status: in_force

Sec. 3. As used in this chapter, "mine subsidence" means the collapse of an underground coal mine resulting in damage to a structure. The term does not include loss caused by earthquake, landslide, volcanic eruption, or collapse of storm or sewer drains.

As added by P.L.164-1986, SEC.1. Amended by P.L.124-1992, SEC.1; P.L.101-2016, SEC.2.
Ind. Code § 27-8-14.3-1 — Indiana Code / Title 27 / Article 8 / Chapter 14.3 / Section 27-8-14.3-1
Application of chapter
Status: in_force

Sec. 1. This chapter applies to:

(1) a policy of accident and sickness insurance or a health maintenance organization contract that is issued, renewed, or entered into after June 30, 2024;

(2) Medicaid managed care provided by a managed care organization under a contract with the office of Medicaid policy and planning that is entered into or renewed after June 30, 2024; and

(3) coverage provided by a state employee health plan after June 30, 2024.

As added by P.L.37-2024, SEC.2.
Ind. Code § 27-8-11-13 — Indiana Code / Title 27 / Article 8 / Chapter 11 / Section 27-8-11-13
Fully credentialed provider reimbursement; requirements
Status: in_force

Sec. 13. (a) A fully credentialed provider shall be reimbursed for eligible services provided at any in-network hospital if the following conditions are met:

(1) The provider submits the documentation required by the insurer to be loaded under the provider group or hospital.

(2) The provider, provider group, or hospital is a network provider with the insurer.

(3) The services are provided in accordance with all terms and conditions of the provider's, group provider's, or hospital's agreement or contract with the insurer.

(4) Prior authorization is obtained in accordance with IC 27-1-37.5 when required by the insurer for an eligible service.

(b) The insurer shall reimburse the provider or hospital for services described in subsection (a) at the rates determined by the contract between the provider and the insurer.

(c) An insurer is not required to credential a provider. However, if:

(1) a provider is employed by a hospital that is part of the hospital's network that is covered by the insurer; and

(2) the provider meets the insurer's credentialing requirements;

the insurer shall reimburse the provider for any reimbursable services from the date that the provider was employed by the hospital.

As added by P.L.50-2020, SEC.8.
Ind. Code § 27-14.5-1-1 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-1
Reference to article
Status: in_force

Sec. 1. This article may be referred to as the Indiana mutual insurance holding company law.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-8-10-14 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-14
Repealed
Status: repealed

As added by P.L.193-2003, SEC.11. Amended by P.L.97-2004, SEC.101; P.L.51-2004, SEC.9. Repealed by P.L.1-2007, SEC.248.
Ind. Code § 27-10-2-7 — Indiana Code / Title 27 / Article 10 / Chapter 2 / Section 27-10-2-7
Apprehension of defendant; time; fees
Status: in_force

Sec. 7. For the purpose of surrendering the defendant, the surety may apprehend the defendant before or after the forfeiture of the undertaking or may empower any law enforcement officer to make apprehension by providing written authority endorsed on a certified copy of the undertaking and paying the lawful fees therefor.

As added by P.L.261-1985, SEC.1.
Ind. Code § 27-1-43.2-7 — Indiana Code / Title 27 / Article 1 / Chapter 43.2 / Section 27-1-43.2-7
"Service contract"
Status: in_force

Sec. 7. (a) As used in this chapter, "service contract" means an agreement:

(1) that is effective for a specified period; and

(2) under which a provider:

(A) receives consideration that is separate from the lease or purchase price of a motor vehicle; and

(B) agrees to provide the performance, or indemnification for the cost of performance, of the repair, replacement, or maintenance of a motor vehicle related to the operational or structural failure of the motor vehicle due to a defect in materials or workmanship, accidental damage, normal wear and tear, or damage resulting from a power surge or interruption.

A service contract may also provide for the incidental payment of indemnity under limited circumstances, including indemnity for towing, temporary replacement motor vehicle rental, and emergency road service.

(b) The repair, replacement, or maintenance described in subsection (a)(2)(B) includes the following:

(1) Repair or replacement of tires or wheels on a motor vehicle damaged as a result of road hazards.

(2) Removal of dents, dings, or creases on a motor vehicle that can be repaired using the process of paintless dent removal without affecting the existing paint finish and without replacing vehicle body panels, sanding, bonding, or painting.

(3) Repair of chips or cracks in, or replacement of, motor vehicle windshields as a result of damage caused by road hazards.

(4) Replacement of an inoperable, lost, or stolen motor vehicle key or keyfob.

(5) Payment of specified incidental costs resulting from failure of an ancillary protection product to perform as specified.

(6) Payment related to other products and services approved by the commissioner and consistent with this chapter.

(c) A service contract may not include coverage:

(1) for the:

(A) repair of damage to;

(B) replacement of; or

(C) repair of damage to and replacement of;

the interior surfaces of a vehicle; or

(2) for the:

(A) repair of damage to;

(B) replacement of; or

(C) repair of damage to and replacement of;

the exterior paint or finish of a vehicle.

However, coverage described in subdivision (1) or (2) may be offered in connection with the sale of an ancillary protection product as defined in section 1 of this chapter.

(d) "Service contract" does not include an insurance policy that:

(1) is issued by an insurer authorized to engage in the insurance business in Indiana; and

(2) provides coverage for repair, replacement, or maintenance described in subsection (a)(2)(B).

As added by P.L.129-2014, SEC.10.
Ind. Code § 27-17-10-1 — Indiana Code / Title 27 / Article 17 / Chapter 10 / Section 27-17-10-1
Findings to suspend or revoke a registration
Status: in_force

Sec. 1. The department may suspend or revoke a discount medical card program organization's registration or order compliance if the department finds any of the following:

(1) The discount medical card program organization is not in compliance with this article.

(2) The discount medical card program organization is not in compliance with the financial requirements of IC 27-17-9.

(3) The discount medical card program organization has:

(A) advertised, marketed, or attempted to market the discount medical card program organization's services in such a manner as to misrepresent the discount medical card program organization's services or capacity for service; or

(B) engaged in deceptive, misleading, or unfair practices with respect to advertising or marketing.

(4) The discount medical card program organization is not fulfilling the discount medical card program organization's obligations as a discount medical card program organization.

(5) The continued operation of the discount medical card program organization would be hazardous to the discount medical card program organization's cardholders.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-6-2-2 — Indiana Code / Title 27 / Article 6 / Chapter 2 / Section 27-6-2-2
Construction of acts
Status: in_force

Sec. 2. The rights and powers conferred in this chapter shall be supplemental and in addition to those conferred by law as of March 11, 1955, upon such farm mutual insurance companies.

Formerly: Acts 1955, c.330, s.2. As amended by P.L.252-1985, SEC.212; P.L.129-2003, SEC.11.
Ind. Code § 27-1-1.5-33 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-33
"Uniform application for third party administrator license"
Status: in_force

Sec. 33. "Uniform application for third party administrator license" refers to the document entitled "Uniform Application for Third Party Administrator License" that is:

(1) published by the NAIC; and

(2) in effect on January 1, 2018.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-1-13-2 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-2
Repealed
Status: repealed

Formerly: Acts 1935, c.162, s.171. Repealed by Acts 1981, P.L.241, SEC.4.
Ind. Code § 27-8-32-2 — Indiana Code / Title 27 / Article 8 / Chapter 32 / Section 27-8-32-2
"Cancer chemotherapy"
Status: in_force

Sec. 2. As used in this chapter, "cancer chemotherapy" means medication that is prescribed by a physician to kill or slow the growth of cancer cells.

As added by P.L.46-2009, SEC.1.
Ind. Code § 27-1-2.2-3 — Indiana Code / Title 27 / Article 1 / Chapter 2.2 / Section 27-1-2.2-3
Filing of certification
Status: in_force

Sec. 3. Before an organization may offer health benefit coverage under this chapter, the organization must file with the insurance commissioner a certification that:

(1) the organization qualifies as a nonprofit agricultural organization under section 1 of this chapter; and

(2) the health benefit coverage that the organization will offer qualifies as nonprofit agricultural organization coverage under section 2 of this chapter.

As added by P.L.136-2020, SEC.1.