Ind. Code § 27-1-15.7-6.5 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-6.5
Insurance producer education and continuing education commission
Status: in_force

Note: This version of section effective until 7-1-2027. See also following repeal of this section, effective 7-1-2027.

Sec. 6.5. (a) As used in this section, "commission" refers to the insurance producer education and continuing education commission established by subsection (b).

(b) The insurance producer education and continuing education commission is established within the department. The commissioner shall appoint the following seven (7) individuals:

(1) One (1) individual nominated by the Professional Insurance Agents of Indiana or its successor organization.

(2) One (1) individual nominated by the Independent Insurance Agents of Indiana or its successor organization.

(3) One (1) individual nominated by the Indiana Association of Insurance and Financial Advisors or its successor organization.

(4) One (1) individual nominated by the Indiana State Association of Health Underwriters or its successor organization.

(5) One (1) individual nominated by the Association of Life Insurance Companies or its successor organization.

(6) One (1) individual nominated by the Insurance Institute of Indiana or its successor organization.

(7) One (1) individual nominated by the Indiana Land Title Association or its successor organization.

The commissioner shall solicit nominations from the entities set forth in this subsection. The commissioner may deny to make the appointment of an individual nominated under this subsection only if the commissioner determines that the individual is not in good standing with the department or is not qualified. If the commissioner denies the appointment of an individual nominated under this subsection, the commissioner shall provide the nominating entity with the reason for the denial and allow the nominating entity to submit an alternative nomination.

(c) A member of the commission serves for a term of three (3) years that expires June 30, 2027, and every third year thereafter. A member may not serve more than two (2) consecutive terms.

(d) The commissioner shall appoint a member of the commission to serve as chairperson, who serves at the will of the commissioner. The commission shall meet:

(1) at the call of the chairperson; and

(2) at least semiannually.

The department shall staff the commission. Four (4) members constitute a quorum of the commission.

(e) The commissioner shall fill a vacancy on the commission with a nomination from the entity that nominated the predecessor or the entity's successor. The individual appointed to fill the vacancy shall serve for the remainder of the predecessor's term.

(f) A member of the commission is entitled to the minimum salary per diem provided under IC 4-10-11-2.1(b). A member is also entitled to reimbursement for traveling expenses and other expenses actually incurred in connection with the member's duties, in accordance with state travel policies and procedures established by the Indiana department of administration and approved by the budget agency. Money paid under this subsection shall be paid from amounts appropriated to the department.

(g) The commission shall review and make recommendations to the commissioner concerning the following:

(1) Course materials and curriculum and instructor credentials for prelicensing courses of study for which certification by the commissioner is sought under section 5 of this chapter.

(2) Continuing education requirements for insurance producers.

(3) Continuing education courses for which the approval of the commissioner is sought under section 4 of this chapter.

(4) Rules proposed for adoption by the commissioner concerning continuing education under this chapter.

(h) A member of the commission or a designee of the commissioner is permitted access to any classroom while instruction is in progress to monitor the classroom instruction.

As added by P.L.158-2024, SEC.4.
Ind. Code § 27-8-19.8-24.2 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-24.2
Payment of proceeds of settlement to trust or escrow account; transfer of proceeds of settlement to viator
Status: in_force

Sec. 24.2. (a) Immediately upon a viatical settlement provider's receipt of a signed viatical settlement contract, the viatical settlement provider shall pay the proceeds of the viatical settlement to a trust or escrow account in a state or federally chartered financial institution whose deposits are insured by the Federal Deposit Insurance Corporation. The account shall be managed by a trustee or escrow agent independent of the parties to the contract.

(b) Within two (2) business days after the viatical settlement provider's receipt of the insurer's or group administrator's acknowledgment that ownership of the policy or interest in the certificate has been transferred and the beneficiary has been designated according to the viatical settlement contract, the trustee or escrow agent shall transfer the proceeds to the viator.

As added by P.L.32-1998, SEC.26.
Ind. Code § 27-10-2-5 — Indiana Code / Title 27 / Article 10 / Chapter 2 / Section 27-10-2-5
Surrender of defendants
Status: in_force

Sec. 5. (a) Any time before there has been a breach of the undertaking in any type of bail and cash bond, the surety may surrender a defendant, or the defendant may surrender, to the official to whose custody the defendant was committed at the time bail was taken or to the official into whose custody the defendant would have been given if committed.

(b) A defendant shall be surrendered without the return of premium for the bond if the defendant has been guilty of:

(1) changing address without notifying the defendant's bail agent or surety;

(2) concealing one's self;

(3) leaving the jurisdiction of the court without the permission of the defendant's bail agent or surety or the court; or

(4) violating the defendant's contract with the bail agent or surety in a way that does harm to the bail agent or the surety or violates the defendant's obligation to the court.

As added by P.L.261-1985, SEC.1. Amended by P.L.355-1989(ss), SEC.2; P.L.224-1993, SEC.7.
Ind. Code § 27-5.1-2-16 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-16
Form and rate filing file and use; commissioner disapproval; judicial review
Status: in_force

Sec. 16. (a) A farm mutual insurance company may not deliver or issue for delivery an insurance policy or an endorsement or a rider to an insurance policy until a copy of the form and the rates charged for the insurance policy are filed with the commissioner.

(b) A farm mutual insurance company may use any form or rate filed with the commissioner unless the commissioner notifies the farm mutual insurance company in writing that the form is disapproved not more than thirty (30) days after the commissioner's receipt of the rate or form filing. The commissioner may disapprove a rate or form for the following reasons:

(1) An inconsistency with this article or another applicable state law.

(2) A provision that is:

(A) deceptive;

(B) ambiguous; or

(C) misleading.

(c) If the commissioner disapproves a rate or form under this section, the commissioner shall notify the farm mutual insurance company of the reason that the rate or form was disapproved. The farm mutual insurance company may request a hearing before the commissioner under IC 4-21.5 concerning the disapproval.

(d) A farm mutual insurance company may seek judicial review under IC 4-21.5-5 of the commissioner's final disapproval of a rate or form under this section.

(e) The commissioner may charge a farm mutual insurance company a reasonable fee as provided in IC 27-1-3-15 for the filing of a rate or form.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-1-20-27 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-27
Exemption of domestic mutual fire insurance companies
Status: in_force

Sec. 27. The provisions of IC 27-1-5 through IC 27-1-19 and this chapter shall not apply to any domestic mutual fire insurance company or association licensed as of March 8, 1935, originally organized and operated by farmers to insure farm property.

Formerly: Acts 1935, c.162, s.272b. As amended by P.L.252-1985, SEC.98.
Ind. Code § 27-13-12-5 — Indiana Code / Title 27 / Article 13 / Chapter 12 / Section 27-13-12-5
Consideration of debts
Status: in_force

Sec. 5. (a) In determining net worth under this chapter, a debt may not be considered fully subordinated unless:

(1) the subordination clause is in a form acceptable to the commissioner; and

(2) any interest obligation relating to the repayment of the subordinated debt is subordinated under a clause that is in a form acceptable to the commissioner.

(b) The interest expense relating to the repayment of any fully subordinated debt is considered a covered expense.

(c) Any debt that:

(1) is incurred through a note that meets the requirements of this chapter; and

(2) is otherwise acceptable to the commissioner;

may not be considered liability and must be recorded as equity.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-24.2-2 — Indiana Code / Title 27 / Article 1 / Chapter 24.2 / Section 27-1-24.2-2
"Actual overpayment"
Status: in_force

Sec. 2. As used in this chapter, "actual overpayment" means the portion of any amount paid for pharmacy or pharmacist services that:

(1) is duplicative because the pharmacy or pharmacist has already been paid for the services; or

(2) was erroneously paid because the services were not rendered in accordance with the prescriber's order, in which case only the amount paid for the portion of the prescription that was filled incorrectly or in excess of the prescriber's order is deemed an actual overpayment.

As added by P.L.189-2025, SEC.1.
Ind. Code § 27-1-22-5 — Indiana Code / Title 27 / Article 1 / Chapter 22 / Section 27-1-22-5
Hearing on question of compliance with filing requirements; finding and order
Status: in_force

Sec. 5. (a) Upon the commissioner's motion, or upon written request by any insured affected thereby or by any licensed insurance producer or broker, if such request is made in good faith and states reasonable grounds, the commissioner, if the commissioner shall have reason to believe that any filing is not in compliance with the applicable provisions of section 3 of this chapter, or in the case of an alleged violation of section 6 of the chapter if the commissioner finds on the basis of the information on file with the department that there has been a prima facie showing of a violation of that section, shall hold a hearing upon not less than ten (10) days written notice to the rating organization or insurer which made the filing in issue, specifying the items and matters to be considered and stating in what manner and to what extent noncompliance is alleged to exist. No other matter or subject shall be considered at such hearing. Only the rating organization or insurer which made such filing and the commissioner may be parties to any hearing or to any judicial appeal resulting therefrom. Within a reasonable time, the commissioner shall notify every person making request as to the decision as to the validity of the request and subsequently shall notify every such person of any action which may thereafter be taken with reference to such request.

(b) If, after such hearing, the commissioner finds, based upon a preponderance of the evidence adduced at such hearing and made a part of the record thereof, that such filing is not in compliance with the provisions of section 3 of this chapter, the commissioner shall immediately issue a written order to the parties specifying in detail in what respects and upon what evidence such noncompliance exists and stating when, within a reasonable period thereafter, such filing shall be deemed no longer effective. Said order shall not affect any contract policy made or issued prior to the expiration of the period set forth in said order.

(c) If after such hearing the commissioner finds that such filing does not violate the provisions of section 3 of this chapter, the commissioner shall immediately issue a written order to the parties dismissing the proceedings.

(d) The finding and order of the commissioner shall be made within ninety (90) days after the close of such hearing or within such reasonable time extensions as may be fixed by the commissioner.

(e) No manual of classifications, rule, rate, rating schedule, rating plan, or any modification of any of the foregoing which establishes standards for measuring variations in hazards or expense provisions, or both, which has been filed pursuant to section 4 of this chapter shall be disapproved if the rates produced thereby meet the requirements of section 3 of this chapter.

(f) All actions of the commissioner under this chapter and all appeals from the commissioner's action shall be governed by IC 4-21.5, except where a different specific provision is made in this chapter.

Formerly: Acts 1967, c.133, s.5; Acts 1971, P.L.1, SEC.9. As amended by P.L.252-1985, SEC.108; P.L.7-1987, SEC.140; P.L.178-2003, SEC.23.
Ind. Code § 27-9-3-30.1 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-30.1
Reinsurance; method of payment upon liquidation
Status: in_force

Sec. 30.1. (a) Reinsurance must be payable under a contract reinsured by an assuming insurer on the basis of reported claims allowed in the liquidation proceedings, subject to court approval, without diminution because of the insolvency of the ceding insurer. Payments must be made directly to the ceding insurer or to the ceding insurer's domiciliary liquidator except when:

(1) the contract or other written agreement specifically provides another payee of the reinsurance in the event of the insolvency of the ceding insurer; or

(2) before the initiation of the insolvency proceedings, the assuming insurer, with the consent of the direct insured, has assumed the policy obligations of the ceding insurer as direct obligations of the assuming insurer to policy payees and in substitution for the obligations of the ceding insurer to the payees.

(b) During the pendency of a receivership proceeding, an assuming insurer, with the consent of the direct insured and the receiver, subject to court approval, may assume policy obligations of the ceding insurer as direct obligations of the assuming insurer to the policy payees and in substitution for the obligations of the ceding insurer to the payees.

As added by P.L.233-1999, SEC.12.
Ind. Code § 27-8-17-10 — Indiana Code / Title 27 / Article 8 / Chapter 17 / Section 27-8-17-10
Certificate of registration; renewal; transfer; notice of change in information
Status: in_force

Sec. 10. (a) To remain in effect, a certificate of registration issued under this chapter must be renewed annually. To obtain the renewal of a certificate of registration, a utilization review agent must submit an application to the commissioner. The application must be accompanied by a registration fee in the amount set under section 9(d) of this chapter. The commissioner shall deposit a registration fee collected under this subsection into the department of insurance fund established by IC 27-1-3-28.

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

(c) If there is a material change in any of the information set forth in an application submitted under this chapter, the utilization review agent that submitted the application shall notify the department of the change in writing within thirty (30) days after the change.

As added by P.L.128-1992, SEC.1. Amended by P.L.173-2007, SEC.40; P.L.234-2007, SEC.197; P.L.146-2015, SEC.36.
Ind. Code § 27-1-22-23 — Indiana Code / Title 27 / Article 1 / Chapter 22 / Section 27-1-22-23
Exemption of rates and classifications from law governing rules and regulations
Status: in_force

Sec. 23. No provision of IC 4-22-2 shall be construed to apply to rates or classifications made pursuant to the provisions of this chapter and approved by the commissioner or department.

Formerly: Acts 1967, c.133, s.23. As amended by P.L.252-1985, SEC.124.
Ind. Code § 27-9-4-6 — Indiana Code / Title 27 / Article 9 / Chapter 4 / Section 27-9-4-6
Claims by residents of other states
Status: in_force

Sec. 6. (a) In a liquidation proceeding begun in Indiana against an insurer domiciled in Indiana, claimants residing in foreign countries or in states not reciprocal states must file claims in Indiana, and claimants residing in reciprocal states may file claims either with the ancillary receivers, if any, in their respective states, or with the domiciliary liquidator. Claims must be filed on or before the last date fixed for the filing of claims in the domiciliary liquidation proceeding.

(b) Claims belonging to claimants residing in reciprocal states may be proved either in the liquidation proceeding in Indiana as provided in IC 27-9, or in ancillary proceedings, if any, in the reciprocal states. If notice of the claims and opportunity to appear and be heard is afforded the domiciliary liquidator of Indiana as provided in section 7(b) of this chapter with respect to ancillary proceedings, the final allowance of claims by the courts in ancillary proceedings in reciprocal states shall be conclusive as to amount and as to priority against special deposits or other security located in ancillary states, but shall not be conclusive with respect to priorities against general assets under IC 27-9-3-40.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-18-5 — Indiana Code / Title 27 / Article 1 / Chapter 18 / Section 27-1-18-5
Repealed
Status: repealed

Formerly: Acts 1935, c.162, s.238; Acts 1971, P.L.385, SEC.4. As amended by P.L.267-1987, SEC.2; P.L.160-2003, SEC.3. Repealed by P.L.158-2024, SEC.5.
Ind. Code § 27-7-10-24 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-24
Countersignature on policies
Status: in_force

Sec. 24. A policy of insurance issued to a risk retention group or to any member of that group is not required to be countersigned.

As added by P.L.162-1988, SEC.2.
Ind. Code § 27-1-44.5-3.5 — Indiana Code / Title 27 / Article 1 / Chapter 44.5 / Section 27-1-44.5-3.5
Request for information; comparison shopping
Status: in_force

Sec. 3.5. (a) Not later than September 1, 2025, the department shall issue a request for information in compliance with IC 5-23-4.5 concerning ways to better enable medical consumers to compare and shop for medical and health care services using real time price and health quality information from respected sources approved by the advisory board, including claims data maintained by the data base.

(b) The request for information must consider:

(1) the convenience of medical consumers, including whether and how to develop, procure, or license one (1) or more services into a single application that is available on both desktop and mobile; and

(2) whether and how to benchmark price and health quality comparison shopping by medical consumers in Indiana.

(c) The department shall set the deadline for submissions of the request for information under this section that may not be later than December 1, 2025.

As added by P.L.215-2025, SEC.54.
Ind. Code § 27-15-11-3 — Indiana Code / Title 27 / Article 15 / Chapter 11 / Section 27-15-11-3
Operation of closed block; nonreversion of assets
Status: in_force

Sec. 3. The closed block shall be operated for the exclusive benefit of policies and contracts included in it. No costs or expenses incurred in connection with the conversion shall be charged to the closed block. Subject to termination of the closed block under section 7 of this chapter, none of the assets allocated to the closed block or the revenue derived from those assets may revert to the benefit of the stockholders of the former mutual or any parent company.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-15-1-3 — Indiana Code / Title 27 / Article 15 / Chapter 1 / Section 27-15-1-3
Applicability of definitions
Status: in_force

Sec. 3. The definitions set forth in this chapter and IC 27-1-2-3 apply throughout this article.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-38-3 — Indiana Code / Title 27 / Article 1 / Chapter 38 / Section 27-1-38-3
"Depository institution" defined
Status: in_force

Sec. 3. As used in this chapter, "depository institution" means a depository financial institution (as defined in IC 28-9-2-6).

As added by P.L.130-2002, SEC.2.
Ind. Code § 27-6-8-2 — Indiana Code / Title 27 / Article 6 / Chapter 8 / Section 27-6-8-2
Purpose
Status: in_force

Sec. 2. (Purpose) The purpose of this chapter is to provide a mechanism for the payment of claims under certain insurance policies to avoid excessive delay in payment and to avoid excessive financial loss to claimants or policyholders because of the insolvency of an insurer, to assist in the detection and prevention of insurer insolvencies, and to provide an association to assess the cost of this protection among insurers.

Formerly: Acts 1971, P.L.390, SEC.1.
Ind. Code § 27-1-4.1-11 — Indiana Code / Title 27 / Article 1 / Chapter 4.1 / Section 27-1-4.1-11
Confidentiality; privilege; use of information; sharing and disclosure
Status: in_force

Sec. 11. (a) Documents, materials, and other information related to a CGAD, including the CGAD, that are in the possession or control of the department and obtained by, created by, or disclosed to the commissioner or another person under this chapter, are:

(1) considered to be proprietary and contain trade secrets;

(2) confidential and privileged;

(3) not subject to subpoena; and

(4) not subject to discovery or admissible in evidence in a private civil action.

(b) The commissioner may:

(1) use the documents, materials, and other information described in subsection (a) in relation to a regulatory or legal action brought as part of the commissioner's duties; and

(2) otherwise make the documents, materials, and other information public only with the prior written consent of the insurer.

(c) The commissioner, and any other person:

(1) who receives documents, materials, or other information related to a CGAD while acting under the authority of the commissioner; or

(2) with whom the documents, materials, or other information are shared;

under this chapter is not permitted or required to testify in a private civil action concerning any documents, materials, or other information described in subsection (a).

(d) The commissioner may, in the performance of the commissioner's duties, do the following:

(1) Upon request, share all documents, materials, and other information described in subsection (a) with the following if the recipient agrees in writing, and provides written verification that the recipient has the legal authority, to maintain the confidential and privileged status of the documents, materials, and other information:

(A) Other state, federal, and international financial regulatory agencies.

(B) The NAIC.

(C) Members of a supervisory college (as defined in IC 27-1-23-1).

(D) A third party consultant under section 12 of this chapter.

(2) Receive all documents, materials, and other information described in subsection (a) from:

(A) other state, federal, and international financial regulatory agencies;

(B) members of a supervisory college (as defined in IC 27-1-23-1); and

(C) the NAIC;

if the commissioner maintains the confidential or privileged status of the documents, materials, and other information that are received with notice or the understanding that the documents, materials, and other information are confidential or privileged under the laws of the jurisdiction that is the source of the documents, materials, and other information.

(e) The sharing of information by the commissioner under this chapter is not a delegation of regulatory authority. The commissioner is solely responsible for the administration, implementation, and enforcement of this chapter.

(f) Disclosure to or sharing by the commissioner of documents, materials, or other information under this chapter is not a waiver of any applicable privilege or claim of confidentiality in the documents, materials, or other information.

As added by P.L.146-2015, SEC.19.
Ind. Code § 27-1-23.5-4 — Indiana Code / Title 27 / Article 1 / Chapter 23.5 / Section 27-1-23.5-4
"Insurer"
Status: in_force

Sec. 4. As used in this chapter, "insurer" has the same meaning as set forth in IC 27-1-2-3, except that the term:

(1) refers only to domestic insurers (as defined in IC 27-1-36-8); and

(2) does not include agencies, authorities, or instrumentalities of the United States, possessions and territories of the United States, the Commonwealth of Puerto Rico, the District of Columbia, or a state or political subdivision of a state.

As added by P.L.129-2014, SEC.8.
Ind. Code § 27-13-36-1 — Indiana Code / Title 27 / Article 13 / Chapter 36 / Section 27-13-36-1
Medical director; individual to develop treatment policies and consult with treating providers
Status: in_force

Sec. 1. (a) Each health maintenance organization shall appoint a medical director who has an unlimited license to practice medicine under IC 25-22.5 or an equivalent license issued by another state.

(b) The medical director is responsible for oversight of treatment policies, protocols, quality assurance activities, and utilization management decisions of the health maintenance organization.

(c) A health maintenance organization shall contract with or employ at least one (1) individual who holds an unlimited license to practice medicine under IC 25-22.5 to do the following:

(1) Develop, in consultation with a group of appropriate providers, the health maintenance organization's treatment policies, protocols, and quality assurance activities.

(2) Consult with the treating provider before an adverse utilization review decision is made.

(d) Compliance with the National Committee on Quality Assurance standards or guidelines is sufficient to meet the requirements of this section.

As added by P.L.69-1998, SEC.14. Amended by P.L.124-2018, SEC.98.
Ind. Code § 27-9-3-41 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-41
Settlement of claims; report of unresolved claims; action of court on report
Status: in_force

Sec. 41. (a) The liquidator shall review all claims duly filed in the liquidation and shall make further investigation as the liquidator considers necessary. The liquidator may compound, compromise, or in any other manner negotiate the amount for which claims will be recommended to the Marion County circuit court except where the liquidator is required by law to accept claims as settled by any person or organization, including any guaranty association or foreign guaranty association. Unresolved disputes shall be determined under section 37 of this chapter. As soon as practicable, the liquidator shall present to the Marion County circuit court a report of the claims against the insurer with the liquidator's recommendations. The report must include the name and address of each claimant and the amount of the claim finally recommended, if any. If the insurer has issued annuities or life insurance policies, the liquidator shall report the persons to whom, according to the records of the insurer, amounts are owed as cash surrender values or other investment value and the amounts owed.

(b) The Marion County circuit court may approve, disapprove, or modify the report on claims by the liquidator. Reports that are not modified by the court within a period of sixty (60) days following submission by the liquidator shall be treated by the liquidator as allowed claims, subject to later modification or to rulings made by the court under section 37 of this chapter. A claim under a policy of insurance may not be allowed for an amount in excess of the applicable policy limits.

As added by Acts 1979, P.L.255, SEC.1. Amended by P.L.137-2021, SEC.8.
Ind. Code § 27-1-3.1-4 — Indiana Code / Title 27 / Article 1 / Chapter 3.1 / Section 27-1-3.1-4
Examiner
Status: in_force

Sec. 4. As used in this chapter, "examiner" means any individual or firm authorized by the commissioner to conduct an examination under this chapter.

As added by P.L.26-1991, SEC.5.
Ind. Code § 27-13-41-1 — Indiana Code / Title 27 / Article 13 / Chapter 41 / Section 27-13-41-1
Use of diagnostic or procedure codes
Status: in_force

Sec. 1. Not more than ninety (90) days after the date of the version specified in IC 27-1-1.5 of a diagnostic or procedure code described in this section:

(1) a health maintenance organization and a limited service health maintenance organization shall begin using the version specified in IC 27-1-1.5 of the:

(A) Current Procedural Terminology (CPT);

(B) International Classification of Diseases (ICD);

(C) American Psychiatric Association's Diagnostic and Statistical Manual of Mental Disorders (DSM);

(D) Current Dental Terminology (CDT);

(E) Healthcare Common Procedure Coding System (HCPCS); and

(F) third party administrator (TPA);

codes under which the health maintenance organization and limited service health maintenance organization pay claims for health care services covered under an individual contract or a group contract; and

(2) a provider shall begin using the version specified in IC 27-1-1.5 of the:

(A) Current Procedural Terminology (CPT);

(B) International Classification of Diseases (ICD);

(C) American Psychiatric Association's Diagnostic and Statistical Manual of Mental Disorders (DSM);

(D) Current Dental Terminology (CDT);

(E) Healthcare Common Procedure Coding System (HCPCS); and

(F) third party administrator (TPA);

codes under which the provider submits claims for payment for health care services covered under an individual contract or a group contract.

As added by P.L.161-2001, SEC.5. Amended by P.L.66-2002, SEC.18; P.L.124-2018, SEC.101.
Ind. Code § 27-1-12.8-36 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-36
Submission of data prescribed by valuation manual
Status: in_force

Sec. 36. On and after the operative date of the valuation manual specified in section 34 of this chapter, a company shall submit mortality, morbidity, contractholder behavior, or expense experience and other data as prescribed in the valuation manual.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-5.1-2-20 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-20
Insurance producers
Status: in_force

Sec. 20. A person that solicits or negotiates insurance on behalf of a farm mutual insurance company must be licensed as an insurance producer under IC 27-1-15.6.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-1-12.6-8 — Indiana Code / Title 27 / Article 1 / Chapter 12.6 / Section 27-1-12.6-8
Form of contracts
Status: in_force

Sec. 8. An annuity contract shall not be issued or delivered in this state until the form has been filed with the department, and not thereafter if the department within thirty (30) days after this filing gives a written notice to the company setting out the reasons why the form of the contract does not comply with the laws of this state.

As added by Acts 1977, P.L.286, SEC.2.
Ind. Code § 27-9-3-7 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-7
Order to liquidate; content; effect; declaration of insolvency; accounting
Status: in_force

Sec. 7. (a) An order to liquidate the business of a domestic insurer must:

(1) Appoint the commissioner and his successors in office liquidator.

(2) Direct the liquidator as soon as possible to take possession of the assets of the insurer and to administer them under the general supervision of the Marion County circuit court.

(b) The liquidator shall be vested by operation of law with the title to all of the property, contracts, and rights of action and all of the books and records of the insurer ordered liquidated, wherever located, as of the entry of the final order of liquidation. The filing or recording of the order with the clerk of the circuit court and the recorder of deeds of the county in which its principal office or place or business is located, or in the case of real estate with the recorder of deeds of the county where the property is located, shall impart the same notice as a deed, bill of sale, or other evidence of title duly filed or recorded with that recorder of deeds would have imparted.

(c) Upon issuance of the order, the rights and liabilities of any insurer and of its creditors, policyholders, shareholders, members and all other persons interested in its estate become fixed as of the date of entry of the order of liquidation, except as provided in sections 8 and 35 of this chapter.

(d) An order to liquidate the business of an alien insurer domiciled in Indiana must be in the same terms and have the same legal effect as an order to liquidate a domestic insurer, except that the assets and the business in the United States shall be the only assets and business included in the liquidation.

(e) At the time of petitioning for an order of liquidation, or at any time after petitioning for an order of liquidation, the commissioner, after making appropriate findings of an insurer's insolvency, may petition the Marion County circuit court for a judicial declaration of that insolvency. After providing for a notice and hearing as the Marion County circuit court considers proper, the court may make the declaration.

(f) An order issued under this section shall require accounting by the liquidator to the Marion County circuit court. Accountings shall be at intervals as the court specifies in its order.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-7-2-37.5 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-37.5
Refund of dividends, savings, or unabsorbed premium deposits
Status: in_force

Sec. 37.5. (a) Nothing in this chapter prohibits or regulates the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by companies to their policyholders, members, or subscribers, but in the payment of such dividends there shall be no unfair discrimination between policyholders.

(b) A plan for the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by companies to their policyholders, members, or subscribers is not considered a rating plan or system.

(c) It is an unfair trade practice to make the payment of a dividend or any portion thereof conditioned upon renewal of the policy or contract.

As added by P.L.249-1989, SEC.16.
Ind. Code § 27-15-1-7 — Indiana Code / Title 27 / Article 15 / Chapter 1 / Section 27-15-1-7
"Eligible member"
Status: in_force

Sec. 7. "Eligible member" means a person who:

(1) is a member of the converting mutual on the date the converting mutual's board of directors adopts a resolution proposing a plan of conversion and an amendment to the articles of incorporation; and

(2) continues to be a member of the converting mutual on the effective date of the conversion.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-2-14-4 — Indiana Code / Title 27 / Article 2 / Chapter 14 / Section 27-2-14-4
Release of information to other agencies; reciprocal disclosure to insurer; immunity from civil or criminal liability
Status: in_force

Sec. 4. (a) An authorized agency provided with information under this chapter may release or provide that information to any other authorized agency to further its investigation.

(b) An insurer providing information to an authorized agency under section 2 or section 3 of this chapter has the right to request and to receive from that agency relevant information. The agency shall provide the requested information within a reasonable time, not to exceed thirty (30) days from the date of the request.

(c) An insurer (or a person acting on its behalf) or an authorized agency that releases or provides evidence or information under this chapter is immune from any civil or criminal liability for providing such evidence or information.

As added by Acts 1981, P.L.246, SEC.1.
Ind. Code § 27-13-6-1 — Indiana Code / Title 27 / Article 13 / Chapter 6 / Section 27-13-6-1
Procedures; establishment
Status: in_force

Sec. 1. (a) A health maintenance organization shall establish procedures based on professionally recognized standards to assess and monitor the health care services provided to enrollees of the organization.

(b) The procedures established under this section must include mechanisms to implement corrective action when necessary and to assess the availability, accessibility, and continuity of care.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-44-3 — Indiana Code / Title 27 / Article 1 / Chapter 44 / Section 27-1-44-3
Requirements for electronic posting of policy or endorsement
Status: in_force

Sec. 3. An insurer that elects to post a property and casualty insurance policy or endorsement on the insurer's Internet web site under section 2 of this chapter shall comply with all the following:

(1) The policy or endorsement must remain accessible as long as the policy is in force.

(2) After the expiration of the policy or endorsement, the insurer shall:

(A) archive the expired policy or endorsement for at least five (5) years; and

(B) make the expired policy or endorsement available upon request.

(3) The policy or endorsement must be posted in a manner that enables the insured to print and save the policy or endorsement using programs or applications that are widely available on the Internet and free of charge.

(4) The insurer provides to the insured the following information in, or in addition to, each declaration page provided at issuance and each renewal of the policy or endorsement:

(A) A description of the specific policy or endorsement forms purchased by the insured.

(B) A method by which the insured may obtain, upon request and without charge, a paper copy of the policy or endorsement.

(C) The Internet web site address at which the policy or endorsement is posted.

(5) The insurer provides written or electronic notice, in the format preferred by the insured, of the following:

(A) Any change to the policy or endorsement form.

(B) The insured's right to obtain, upon request and without charge:

(i) a paper copy of the change to the policy or endorsement form; and

(ii) the Internet web site address at which the policy or endorsement is posted.

As added by P.L.119-2014, SEC.2.
Ind. Code § 27-1-27-19 — Indiana Code / Title 27 / Article 1 / Chapter 27 / Section 27-1-27-19
Public adjuster contract voidable
Status: in_force

Sec. 19. (a) A contract between a public adjuster and an insured is voidable at the option of the insured at any time not more than three (3) business days after the day on which the insurer is provided a copy of the contract under section 13(a)(2) of this chapter.

(b) An insured may void a contract with a public adjuster by notifying the public adjuster in writing of the insured's decision to void the contract. The written notification must be transmitted to the public adjuster by:

(1) registered or certified mail, return receipt requested, sent to the address of the public adjuster shown on the contract;

(2) personally serving the notice on the public adjuster; or

(3) sending an electronic mail to the public adjuster at the electronic mail address shown on the contract.

(c) If the insured exercises the right to void the contract under this section, the public adjuster shall return to the insured anything of value that the insured gave to the public adjuster under the contract before the voiding of the contract. The public adjuster shall return things of value to the insured under this section not more than fifteen (15) business days after the day on which the public adjuster receives notice under subsection (b) of the insured's decision to void the contract.

As added by P.L.226-2023, SEC.14.
Ind. Code § 27-8-8-13 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-13
Association tax and fee exemption
Status: in_force

Sec. 13. The association is exempt from payment of all fees and all taxes levied by Indiana or any of its political subdivisions, except taxes levied on real property.

As added by Acts 1978, P.L.129, SEC.3.
Ind. Code § 27-1-33-3 — Indiana Code / Title 27 / Article 1 / Chapter 33 / Section 27-1-33-3
Insurer
Status: in_force

Sec. 3. As used in this chapter, "insurer" means any person, firm, association, or corporation duly authorized to act in Indiana as an insurance company pursuant to IC 27-1.

As added by P.L.1-1992, SEC.148.
Ind. Code § 27-1-3.5-5 — Indiana Code / Title 27 / Article 1 / Chapter 3.5 / Section 27-1-3.5-5
Application of chapter; exemptions
Status: in_force

Sec. 5. (a) Except as provided in subsections (b) and (c), this chapter applies to all domestic insurers.

(b) A domestic insurer that has:

(1) direct written premiums of less than one million dollars ($1,000,000) in any calendar year;

(2) less than one thousand (1,000) policyholders or certificate holders of directly written policies nationwide at the end of a calendar year; and

(3) assumed premiums under contracts or treaties of reinsurance of less than one million dollars ($1,000,000);

is exempt from this chapter with respect to that year. However, the commissioner may require compliance with this chapter upon a finding that compliance with this chapter is necessary for the commissioner to carry out a statutory responsibility.

(c) A foreign or an alien insurer that files an audited financial report in another state or country pursuant to that state's or country's requirement for audited financial reports is exempt, with respect to the year of that audited financial report, from the requirement to file an audited financial report with the commissioner under this chapter, if:

(1) the commissioner has found the other state's or country's requirement for audited financial reports to be substantially similar to the requirements of this chapter;

(2) copies of the audited financial report, a communication of internal control related matters noted in an audit, and the accountant's letter of qualifications filed with the other state or country are filed with the commissioner in accordance with the filing requirements set forth in sections 6, 8, and 12 of this chapter; and

(3) a copy of a notification of an adverse financial condition report that is filed with the other state is filed with the commissioner within the time specified in section 11 of this chapter.

This subsection does not prevent the commissioner from ordering, conducting, or performing examinations of foreign or alien insurers under the rules, regulations, and practices of the department.

As added by P.L.244-1989, SEC.2. Amended by P.L.251-1995, SEC.5; P.L.146-2015, SEC.12.
Ind. Code § 27-1-10-4 — Indiana Code / Title 27 / Article 1 / Chapter 10 / Section 27-1-10-4
Publication of notice of dissolution; payment of debts and liabilities; distribution of remaining assets; disposal of unclaimed distributive shares
Status: in_force

Sec. 4. Upon authorization of the dissolution, the board of directors shall then proceed to:

(a) Cause a notice that the corporation is about to be dissolved to be published at least once in a newspaper of general circulation, printed and published in the English language, in the county in which the principal office of the corporation is located, and at least once in a newspaper of general circulation, printed and published in the English language in the city of Indianapolis, Marion County, Indiana, and to be mailed to each creditor of the corporation;

(b) Collect all of the corporate assets;

(c) Pay and discharge all of the corporate debts and liabilities; and

(d) After the expiration of a period of thirty (30) days following the publication and mailing of said notice, distribute the remaining corporate assets and property among the shareholders, members or policyholders according to their respective interests.

In case the holders of shares or policies are unknown or shall fail or refuse to accept their distributive shares in such property and assets, or are under any disability, or can not be found, after diligent inquiry or in case the ownership of any shares or policies is in dispute, the board of directors shall deposit the distributive portions of such shares of stock or policies with the clerk of the circuit court in the county in which the principal office is located for the use and benefit of those who may be lawfully entitled thereto, and such deposit shall have the same force and effect as if payment had been made directly to and accepted by the persons lawfully entitled thereto. Such distributive shares shall be paid over by such clerk to such shareholders or policyholders, respectively, or to the lawful owner of the shares or policies, the ownership of which has been in dispute, or to their respective legal representatives, upon satisfactory proof being made to such clerk of their respective rights thereto.

Formerly: Acts 1935, c.162, s.134.
Ind. Code § 27-7-8-3 — Indiana Code / Title 27 / Article 7 / Chapter 8 / Section 27-7-8-3
Authority to issue insurance to individuals and groups
Status: in_force

Sec. 3. Legal insurance may be issued to an individual or, as a group policy to:

(1) ten (10) or more employees; or

(2) ten (10) or more members of a trade or professional association, labor union, or any other association of members in the same or related occupation, profession, or industry in existence for two (2) years, having a constitution, and formed for a purpose other than obtaining insurance.

As added by Acts 1978, P.L.129, SEC.2.
Ind. Code § 27-8-12-2 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-2
"Certificate" defined
Status: in_force

Sec. 2. As used in this chapter, "certificate" means a document issued to a member of the group covered under a group insurance policy, which policy has been delivered or issued for delivery in Indiana, to signify that the individual named in the certificate is covered under the policy.

As added by P.L.275-1987, SEC.1.
Ind. Code § 27-8-29-11 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-11
"Insurer" defined
Status: in_force

Sec. 11. As used in this chapter, "insurer" has the meaning set forth in IC 27-8-28-9.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14.
Ind. Code § 27-10-3-18 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-18
Access to jails
Status: in_force

Sec. 18. A person who holds a valid bail agent's license issued by the insurance commissioner and registered as required in section 17 of this chapter may have equal access to the jails of this state for the purpose of making bond, subject to this article and rules adopted under this article.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.25.
Ind. Code § 27-13-7-5 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-5
Evidence of coverage
Status: in_force

Sec. 5. (a) A subscriber under a group contract must receive an evidence of coverage from:

(1) the group contract holder; or

(2) the health maintenance organization.

(b) A group contract holder or health maintenance organization may provide the evidence of coverage required under subsection (a) in electronic or paper form. The group contract holder or health maintenance organization shall provide the evidence of coverage in paper form upon the request of the subscriber.

(c) A health maintenance organization shall include in the health maintenance organization's enrollment materials information concerning the manner in which a subscriber may:

(1) obtain an evidence of coverage; and

(2) request the evidence of coverage in paper form.

As added by P.L.26-1994, SEC.25. Amended by P.L.125-2005, SEC.6.
Ind. Code § 27-1-37-8 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-8
Prohibited contract provisions; severable and void; investigative demand by attorney general
Status: in_force

Sec. 8. (a) This section applies to a health provider contract entered into, amended, or renewed after June 30, 2025.

(b) A health provider contract, including a contract with a pharmacy benefit manager, may not contain a provision that does any of the following:

(1) Limits the ability of the health carrier, the health provider facility, or the provider to disclose the allowed amount and fees of services to any insured (as defined in IC 27-8-5.8-3) or enrollee (as defined in IC 27-13-1-12), or to the treating health provider facility or provider of the insured or enrollee.

(2) Limits the ability of the health carrier, the health provider facility, or the provider to disclose out-of-pocket costs to an insured (as defined in IC 27-8-5.8-3) or an enrollee (as defined in IC 27-13-1-12).

(3) Limits the ability of the health carrier to introduce or modify a select network plan or tiered network plan by granting the provider a guaranteed right of participation.

(4) Requires the health carrier to place all facilities in the same tier of a tiered network plan.

(5) Requires the health carrier to include all facilities in a select network plan on an all-or-nothing basis.

(6) Requires a provider to participate in a new select network or tiered network plan that the health carrier introduces without granting the provider the right to opt out of the new plan at least sixty (60) days before the new plan is submitted to the commissioner for approval.

(c) Any provision of a health provider contract that includes a provision described in subsection (b) in violation of this section is severable and the provision in violation is null and void. The remaining provisions of the health provider contract, excluding the provision in violation of this section, remain in effect and are enforceable.

(d) The attorney general may issue a civil investigative demand to obtain information from a party of, or pertaining to, a health provider contract and compliance of this section.

As added by P.L.198-2021, SEC.22. Amended by P.L.215-2025, SEC.50.
Ind. Code § 27-16-6-1 — Indiana Code / Title 27 / Article 16 / Chapter 6 / Section 27-16-6-1
Financial requirements
Status: in_force

Sec. 1. (a) A PEO or PEO group shall do one (1) of the following:

(1) Maintain positive working capital, as reflected in the financial statement submitted to the department by the PEO or PEO group under IC 27-16-4.

(2) If the PEO or PEO group does not meet the requirement of subdivision (1), maintain any of the following with a minimum aggregate value in an amount that is at least sufficient to eliminate the PEO's or PEO group's negative working capital plus one hundred thousand dollars ($100,000):

(A) A surety bond.

(B) An irrevocable letter of credit.

(C) Cash.

(D) A combination of items listed in clauses (A) through (C).

(b) An instrument or cash described in subsection (a)(2) must be held by an institution designated by the department, securing payment by the PEO or PEO group of all taxes, wages, benefits, or other entitlement due to or with respect to covered employees in the event that the PEO or PEO group does not make the payments when due.

As added by P.L.245-2005, SEC.7. Amended by P.L.11-2011, SEC.44.
Ind. Code § 27-1-12.8-31 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-31
Minimum reserve requirement related to gross premium
Status: in_force

Sec. 31. (a) If in any contract year the gross premium charged by a company on a contract is less than the valuation net premium for the contract calculated by the method used in calculating the reserve, but using the minimum valuation standards of mortality and rate of interest, the minimum reserve required for the contract is the greater of:

(1) the reserve calculated according to the mortality table, rate of interest, and method actually used for the contract; or

(2) the reserve calculated by the method actually used for the contract, but using the minimum valuation standards of mortality and rate of interest and replacing the valuation net premium with the actual gross premium in each contract year for which the valuation net premium exceeds the actual gross premium.

(b) The minimum valuation standards of mortality and rate of interest referred to in this section are the standards specified in sections 24 and 26 of this chapter.

(c) For a life insurance contract issued on or after January 1, 1985:

(1) for which:

(A) the gross premium in the first contract year exceeds the gross premium in the second contract year; and

(B) no comparable additional benefit is provided in the first contract year for the excess; and

(2) that provides an endowment benefit, a cash surrender value, or a combination, in an amount greater than the excess premium;

this section applies as if the method actually used in calculating the reserve for the contract were the method described in section 27(a), 27(b), and 27(d) of this chapter. The minimum reserve on each contract anniversary of a contract described in this subsection is the greater of the minimum reserve calculated in accordance with section 27 of this chapter and the minimum reserve calculated under this section.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-8-31-19 — Indiana Code / Title 27 / Article 8 / Chapter 31 / Section 27-8-31-19
Effect on state law
Status: in_force

Sec. 19. (a) Nothing in this chapter prevents the enforcement of any other law of a compacting state, except as provided in subsection (b).

(b) For a product approved or certified to the commission, the rules, uniform standards, and any other requirements of the commission constitute the exclusive provisions applicable to the content, approval, and certification of the products. For an advertisement that is subject to the commission's authority, any rule, uniform standard, or other requirement of the commission that governs the content of the advertisement constitutes the exclusive provision that a commissioner may apply to the content of the advertisement. However, no action taken by the commission shall abrogate or restrict:

(1) the access of any person to state courts;

(2) remedies available under state law related to breach of contract, tort, or other laws not specifically directed to the content of the product;

(3) state law relating to the construction of insurance contracts; or

(4) the authority of the attorney general of the state, including maintaining actions or proceedings, as authorized by law.

(c) All insurance products filed with individual states are subject to the laws of those states.

As added by P.L.138-2005, SEC.3.
Ind. Code § 27-9-3-2 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-2
Order to rehabilitate insurer
Status: in_force

Sec. 2. (a) An order to rehabilitate the business of a domestic insurer, or an alien insurer domiciled in Indiana, must:

(1) Appoint the commissioner and his successors in office as the rehabilitator.

(2) Direct the rehabilitator to take possession of the assets of the insurer as soon as possible, and to administer them under the general supervision of the Marion County circuit court.

(b) The filing or recording of the order with the clerk of the Marion County circuit court or recorder of deeds of the county in which the principal business of the company is conducted, or the county in which its principal office or place of business is located, shall impart the same notice as a deed, bill of sale, or other evidence of title duly filed or recorded with that recorder of deeds would have imparted. The order to rehabilitate the insurer shall by operation of law vest title to all assets of the insurer in the rehabilitator.

(c) An order issued under this section must require accounting by the rehabilitator to the Marion County circuit court. Accountings shall be at intervals as the Marion County circuit court specifies in its order.

(d) Entry of an order of rehabilitation does not constitute an anticipatory breach of any contracts of the insurer.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-48.5-5 — Indiana Code / Title 27 / Article 1 / Chapter 48.5 / Section 27-1-48.5-5
"Health plan"
Status: in_force

Sec. 5. (a) As used in this chapter, "health plan" means any of the following:

(1) A self-insurance program established under IC 5-10-8-7(b) to provide group coverage.

(2) A prepaid health care delivery plan through which health services are provided under IC 5-10-8-7(c).

(3) A policy of accident and sickness insurance as defined in IC 27-8-5-1, but not including any insurance, plan, or policy set forth in IC 27-8-5-2.5(a).

(4) An individual contract (as defined in IC 27-13-1-21) or a group contract (as defined in IC 27-13-1-16) with a health maintenance organization that provides coverage for basic health care services (as defined in IC 27-13-1-4).

(b) The term includes a person that administers any of the following:

(1) A self-insurance program established under IC 5-10-8-7(b) to provide group coverage.

(2) A prepaid health care delivery plan through which health services are provided under IC 5-10-8-7(c).

(3) A policy of accident and sickness insurance as defined in IC 27-8-5-1, but not including any insurance, plan, or policy set forth in IC 27-8-5-2.5(a).

(4) An individual contract (as defined in IC 27-13-1-21) or a group contract (as defined in IC 27-13-1-16) with a health maintenance organization that provides coverage for basic health care services (as defined in IC 27-13-1-4).

(c) The term includes hospital, medical, surgical, and pharmaceutical services or products.

As added by P.L.237-2025, SEC.9.
Ind. Code § 27-4-1-14 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-14
Repealed
Status: repealed

Formerly: Acts 1947, c.112, s.14. As amended by P.L.252-1985, SEC.154. Repealed by P.L.7-1987, SEC.151.
Ind. Code § 27-13-31-4 — Indiana Code / Title 27 / Article 13 / Chapter 31 / Section 27-13-31-4
Quality management program; access to records
Status: in_force

Sec. 4. To fulfill its obligations under IC 27-13-6 concerning the quality management program of the organization, a health maintenance organization is entitled to access to treatment records and other information pertaining to the diagnosis, treatment, and health status of any enrollee during the period of time the enrollee is covered by the health maintenance organization.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-46-18 — Indiana Code / Title 27 / Article 1 / Chapter 46 / Section 27-1-46-18
Compliance with federal requirements
Status: in_force

Sec. 18. The requirements of this chapter do not apply to a facility or practitioner that:

(1) is required to comply with; and

(2) is in compliance with;

45 CFR Part 149, Subparts E and G, as may be enforced and amended by the federal Department of Health and Human Services.

As added by P.L.165-2022, SEC.10. Amended by P.L.190-2023, SEC.23.
Ind. Code § 27-8-14.3-9 — Indiana Code / Title 27 / Article 8 / Chapter 14.3 / Section 27-8-14.3-9
"State employee health plan"
Status: in_force

Sec. 9. (a) As used in this chapter, "state employee health plan" refers to either of the following:

(1) A self-insurance program established under IC 5-10-8-7(b).

(2) A contract with a prepaid health care delivery plan that is entered into or renewed under IC 5-10-8-7(c).

(b) The term includes a person that administers prescription drug benefits on behalf of a state employee health plan.

As added by P.L.37-2024, SEC.2.
Ind. Code § 27-13-15-0.1 — Indiana Code / Title 27 / Article 13 / Chapter 15 / Section 27-13-15-0.1
Application of certain amendments to chapter
Status: in_force

Sec. 0.1. The addition of section 4 of this chapter by P.L.74-2007 applies to a contract between a health maintenance organization and a participating provider that is entered into, amended, or renewed on or after April 26, 2007.

As added by P.L.220-2011, SEC.460.
Ind. Code § 27-13-39-2 — Indiana Code / Title 27 / Article 13 / Chapter 39 / Section 27-13-39-2
Disclosure of coverage limitations
Status: in_force

Sec. 2. (a) A health maintenance organization that limits coverage for experimental treatments, procedures, drugs, or devices must clearly state the limitations in any contract, policy, agreement, or certificate of coverage.

(b) The disclosure required under subsection (a) must include the following:

(1) A description of the process used to make the determination regarding a limitation under subsection (a).

(2) A description of the criteria the health maintenance organization uses to determine whether a treatment, procedure, drug, or device is experimental, as provided in section 1 of this chapter.

As added by P.L.69-1998, SEC.17.
Ind. Code § 27-8-14.1-1 — Indiana Code / Title 27 / Article 8 / Chapter 14.1 / Section 27-8-14.1-1
"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 one (1) or more 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) As used in this chapter, "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.78-2000, SEC.2. Amended by P.L.173-2007, SEC.31; P.L.288-2019, SEC.12.
Ind. Code § 27-1-37.1-0.5 — Indiana Code / Title 27 / Article 1 / Chapter 37.1 / Section 27-1-37.1-0.5
Application of chapter
Status: in_force

Sec. 0.5. This chapter does not apply to the termination of a health provider contract under IC 27-1-37-9.

As added by P.L.158-2024, SEC.13.
Ind. Code § 27-2-30-6 — Indiana Code / Title 27 / Article 2 / Chapter 30 / Section 27-2-30-6
Prohibition on mandated gun free zone notices
Status: in_force

Sec. 6. An insurer may not require an insured or prospective insured to post or display a gun free zone notice.

As added by P.L.61-2026, SEC.1.
Ind. Code § 27-17-7-3 — Indiana Code / Title 27 / Article 17 / Chapter 7 / Section 27-17-7-3
Noncompliance; notification; payment; suspension of registration
Status: in_force

Sec. 3. (a) The department shall notify a discount medical card program organization that is not in compliance with this chapter.

(b) A discount medical card program organization that fails to file an annual report as required under this chapter shall pay to the department for deposit in the department of insurance fund established by IC 27-1-3-28:

(1) five hundred dollars ($500) per day for the first ten (10) days of noncompliance; and

(2) one thousand dollars ($1,000) per day for the eleventh day and each subsequent day of noncompliance.

(c) Upon receiving notice under subsection (a), a discount medical card program organization's registration is suspended until the commissioner determines that the discount medical card program organization is in compliance with this chapter.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-3.5-17 — Indiana Code / Title 27 / Article 1 / Chapter 3.5 / Section 27-1-3.5-17
Effect of chapter on examinations under IC 27-1-3.1
Status: in_force

Sec. 17. This chapter does not prohibit or in any way restrict the commissioner from ordering, conducting, or performing examinations of insurers under IC 27-1-3.1.

As added by P.L.244-1989, SEC.2. Amended by P.L.26-1991, SEC.6.
Ind. Code § 27-11-8-10 — Indiana Code / Title 27 / Article 11 / Chapter 8 / Section 27-11-8-10
Unfair competition; unfair or deceptive acts or practices
Status: in_force

Sec. 10. Every society authorized to do business in Indiana shall be subject to IC 27-4-1 relating to unfair methods of competition and unfair or deceptive acts or practices, provided that nothing in those provisions shall be construed as applying to or affecting the right of any society to determine its eligibility requirements for membership or be construed as applying to or affecting the offering of benefits exclusively to members or persons eligible for membership in the society by a subsidiary corporation or affiliated organization of the society.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-2-14-3 — Indiana Code / Title 27 / Article 2 / Chapter 14 / Section 27-2-14-3
Investigative agencies; disclosure of information or evidence by insurer
Status: in_force

Sec. 3. An authorized agency charged with the responsibility of investigating a vehicle theft may, in writing, require an insurer investigating that loss to release to the requesting agency any or all relevant information or evidence considered important to the authorized agency including:

(1) pertinent insurance policy information relevant to the theft under investigation and any application for that policy;

(2) policy premium payment records;

(3) history of previous claims made by the insured; and

(4) material relating to the investigation, including:

(A) statements of any person;

(B) proof of loss; and

(C) other evidence relevant to the investigation.

As added by Acts 1981, P.L.246, SEC.1.
Ind. Code § 27-8-17-17 — Indiana Code / Title 27 / Article 8 / Chapter 17 / Section 27-8-17-17
Violations; notice to agent; cease and desist orders; penalties; revocation or suspension of registration; review
Status: in_force

Sec. 17. (a) If the department believes that a utilization review agent has violated this chapter, the department shall notify the utilization review agent of the alleged violation.

(b) The utilization review agent shall respond to a notice given under subsection (a) within thirty (30) days after receiving the notice.

(c) If the department:

(1) believes that a utilization review agent has violated this chapter; and

(2) is not satisfied, based on the response given by the utilization review agent under subsection (b), that the violation has been corrected;

the department shall order the utilization review agent under IC 4-21.5-3-6 to cease all utilization review activities in Indiana.

(d) If the department determines that a utilization review agent has violated this chapter, the department:

(1) shall order the utilization review agent to cease and desist from engaging in the violation; and

(2) may do either or both of the following:

(A) Order the utilization review agent to pay a civil penalty of not more than five thousand dollars ($5,000) if the utilization review agent has committed violations with a frequency that indicates a general business practice.

(B) Suspend or revoke the certificate of registration of the utilization review agent.

(e) Any order issued or ruling made by the department under this section is subject to review under IC 4-21.5.

As added by P.L.128-1992, SEC.1.
Ind. Code § 27-16-4-6 — Indiana Code / Title 27 / Article 16 / Chapter 4 / Section 27-16-4-6
Limited registration for foreign PEOs
Status: in_force

Sec. 6. (a) A PEO that is not domiciled in Indiana is eligible for a limited registration under this article if the PEO:

(1) submits a properly executed request for limited registration on a form prescribed by the department;

(2) is licensed or registered as a professional employer organization in another state that has licensure or registration requirements that are:

(A) substantially the same as; or

(B) more restrictive than;

the requirements of this article;

(3) does not:

(A) maintain an office; or

(B) directly solicit clients located or domiciled;

in Indiana; and

(4) does not have more than fifty (50) covered employees who are employed or domiciled in Indiana on any day.

(b) A limited registration is valid for one (1) year and may be renewed.

(c) A PEO that seeks limited registration under this section shall provide to the department information and documentation necessary to show that the PEO meets the requirements of this section.

(d) IC 27-16-6 does not apply to a PEO that applies for limited registration under this section.

As added by P.L.245-2005, SEC.7. Amended by P.L.11-2011, SEC.42.
Ind. Code § 27-13-2-5 — Indiana Code / Title 27 / Article 13 / Chapter 2 / Section 27-13-2-5
Certificate of authority application; requirements
Status: in_force

Sec. 5. An application for a certificate of authority to operate a health maintenance organization must set forth or be accompanied by the following:

(1) A copy of the organizational documents of the applicant, such as the articles of incorporation, partnership agreement, trust agreement, articles of organization, or any other applicable documents, and all amendments to those documents.

(2) A copy of the bylaws, rules and regulations, or similar document regulating the conduct of the internal affairs of the applicant.

(3) A list, on a form acceptable to the commissioner, of the names, addresses, official positions, and biographical information of the persons who are to be responsible for the conduct of the affairs and daily operations of the applicant, including the following:

(A) All members of the board of directors, board of trustees, executive committee, or other governing board or committee of the applicant.

(B) The principal officers, if the applicant is a corporation.

(C) The partners or members, if the applicant is a partnership or an association.

(D) The manager or, if there is no manager, all members of a limited liability company.

(4) A copy of any contract form that has been made or is to be made between any class of providers and the health maintenance organization.

(5) A copy of any contract that has been made or is to be made between:

(A) third party administrators, agents, or persons identified under subdivision (3); and

(B) the health maintenance organization.

(6) A copy of the form of evidence of coverage that is to be issued by the health maintenance organization to an enrollee.

(7) A copy of the form of a group contract, if any, that is to be issued by the health maintenance organization to an employer, a union, a trustee, or another entity.

(8) Financial statements showing the assets, liabilities, and sources of financial support of the applicant, including:

(A) a copy of the most recent certified financial statement of the applicant; and

(B) an unaudited current financial statement.

(9) A financial feasibility plan that includes the following:

(A) Detailed enrollment projections.

(B) The methodology for determining premium rates to be charged during the first twelve (12) months of operations, certified by an actuary or other qualified person acceptable to the commissioner.

(C) A projection of:

(i) balance sheets;

(ii) cash flow statements showing any capital expenditures, purchase and sale of investments, and deposits with the state; and

(iii) income and expense statements;

anticipated from the start of operations until the organization has had net income for at least one (1) year.

(D) A statement of the sources of working capital as well as any other sources of funding.

(10) If the applicant is not domiciled in Indiana, an executed power of attorney appointing the commissioner, the commissioner's successors in office, and authorized deputies of the commissioner as the true and lawful attorney of the applicant in and for Indiana upon whom all lawful process in any legal action or proceeding against the health maintenance organization on a cause of action arising in Indiana may be served.

(11) A statement or map reasonably indicating, on a county-by-county basis, the service area to be served by the health maintenance organization.

(12) A description of the internal procedures to be used by the health maintenance organization for the investigation and resolution of the complaints and grievances of enrollees.

(13) A description of the proposed quality management program of the applicant, including the following:

(A) The formal organizational structure.

(B) Methods for developing criteria.

(C) Procedures for comprehensive evaluation of the quality of care rendered to enrollees.

(D) Processes to initiate corrective action and reevaluation when deficiencies in provider performance or organizational performance are identified.

(14) A description of the procedures to be implemented to meet the requirements set forth in IC 27-13-12 through IC 27-13-15.

(15) A list of the names, addresses, and license numbers of any providers with whom the health maintenance organization has agreements.

(16) Any other information required by the commissioner to make the determination required under IC 27-13-3.

As added by P.L.26-1994, SEC.25. Amended by P.L.208-2018, SEC.27.
Ind. Code § 27-8-19.8-8 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-8
"Viator" defined
Status: in_force

Sec. 8. As used in this chapter, "viator" refers to the owner of a life insurance policy or a certificate holder under a group policy that insures the life of an insured who enters or seeks to enter into a viatical settlement contract.

As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.9.
Ind. Code § 27-1-37.2-4 — Indiana Code / Title 27 / Article 1 / Chapter 37.2 / Section 27-1-37.2-4
"Position" defined
Status: in_force

Sec. 4. As used in this chapter, "position" means the position of health insurance educator established under section 5 of this chapter.

As added by P.L.258-2001, SEC.1.
Ind. Code § 27-8-35.5-6 — Indiana Code / Title 27 / Article 8 / Chapter 35.5 / Section 27-8-35.5-6
Coverage not more restrictive than other coverage
Status: in_force

Sec. 6. The coverage required by this chapter may not be subject to annual or lifetime limitation, deductible, copayment, or coinsurance provisions that are more restrictive than the annual or lifetime limitation, deductible, copayment, or coinsurance provisions that apply generally under the policy of accident and sickness insurance.

As added by P.L.149-2019, SEC.5. Amended by P.L.156-2020, SEC.111.
Ind. Code § 27-1-43-8 — Indiana Code / Title 27 / Article 1 / Chapter 43 / Section 27-1-43-8
Federal law; exemption from applicability
Status: in_force

Sec. 8. (a) This chapter does not modify, limit, or supersede the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. 7001 et seq.).

(b) This chapter does not apply to a document to which IC 27-1-44 applies.

(c) This chapter does not apply to a notice or document related to title insurance (as defined in IC 27-7-3-2).

As added by P.L.119-2014, SEC.1. Amended by P.L.146-2015, SEC.28.
Ind. Code § 27-8-8-9 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-9
Detection and prevention of insurer insolvencies or impairments; actions of board of directors
Status: in_force

Sec. 9. (a) To aid in the detection and prevention of member insurer insolvencies or impairments, the commissioner shall do the following:

(1) Notify the insurance regulatory authorities of all the other states not more than thirty (30) days after the date an action taken by the commissioner occurs when the commissioner takes any of the following actions against a member insurer:

(A) Revokes the member insurer's certificate of authority.

(B) Suspends the member insurer's certificate of authority.

(C) Issues a formal order that the member insurer restrict its premium writing, obtain additional contributions to surplus, withdraw from Indiana, reinsure all or any part of its business, or increase capital, surplus, or any other account for the security of policy owners or creditors.

(2) Report to the association when the commissioner takes any of the actions set forth in subdivision (1) or when the commissioner has received a report from any other insurance regulatory authority indicating that an action has been taken in another state. The report to the association must contain all significant details of the action taken or of the report received from another insurance regulatory authority.

(3) Report to the association when the commissioner has reasonable cause to believe from an examination, whether completed or in process, of a member insurer that the member insurer may be impaired or insolvent.

(4) Furnish to the association the NAIC Insurance Regulatory Information System (IRIS) ratios and listings of companies not included in the ratios developed by the National Association of Insurance Commissioners. The association may use the information contained in the ratios and listings in carrying out its duties and responsibilities under this chapter. The report and the information contained in the report must be kept confidential by the association until made public by the commissioner or other lawful authority.

(b) The commissioner may seek the advice and recommendations of the association concerning a matter affecting the commissioner's duties and responsibilities in regard to the financial condition of member insurers and insurers seeking admission to transact insurance business in Indiana.

(c) The association may, upon majority vote by the board, make reports and recommendations to the commissioner on any matter germane to the solvency, liquidation, rehabilitation, or conservation of a member insurer or germane to the solvency of any insurer seeking to do an insurance business in Indiana. The reports and recommendations are not public documents.

(d) The association may, upon majority vote by the board, notify the commissioner of any information indicating that a member insurer may be impaired or insolvent.

(e) The association may, upon majority vote by the board, make recommendations to the commissioner for the detection and prevention of member insurer insolvencies.

As added by Acts 1978, P.L.129, SEC.3. Amended by P.L.193-2006, SEC.23; P.L.208-2018, SEC.21.
Ind. Code § 27-9-3-8 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-8
Termination of insurance coverage
Status: in_force

Sec. 8. (a) All policies, other than life or health insurance or annuities, in effect at the time of issuance of an order of liquidation shall continue in force only for the lesser of:

(1) a period of thirty (30) days from the date of entry of the liquidation order;

(2) the expiration of the policy coverage;

(3) the date when the insured has replaced the insurance coverage with equivalent insurance in another insurer or otherwise terminated the policy; or

(4) the date when the liquidator has effected a transfer of the policy obligation under section 9(b)(8) of this chapter.

(b) An order of liquidation under section 7 of this chapter shall terminate coverages at the time specified in subsection (a) for purposes of any other law.

(c) Policies of life or health insurance or annuities shall continue in force for periods and under terms as is provided for by any applicable guaranty association or foreign guaranty association.

(d) Policies of life or health insurance or annuities or any period or coverage of those policies not covered by a guaranty association or foreign guaranty association terminate under subsections (a) and (b).

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-25-4 — Indiana Code / Title 27 / Article 1 / Chapter 25 / Section 27-1-25-4
Books and records; maintenance; inspection; transfer; ownership; notice of material change; maintenance of bond
Status: in_force

Sec. 4. (a) An administrator:

(1) shall maintain at its principal administrative office books and records of all transactions between the administrator and insurers for at least five (5) years after the creation of the books and records; or

(2) may transfer the books and records of transactions between the administrator and an insurer with which the administrator has entered into a written agreement under section 2 of this chapter to a new administrator if:

(A) the agreement between the administrator and the insurer is canceled; and

(B) a written agreement for a transfer of the books and records is made between the administrator and the insurer.

If the books and records are transferred to a new administrator under subdivision (2), the new administrator shall acknowledge in writing that the new administrator is responsible for retaining the books and records of the prior administrator as required under subdivision (1). The books and records must be maintained in accordance with generally accepted standards of insurance record keeping.

(b) The commissioner is entitled to inspect all books and records of the administrator for the purpose of examinations and audits. Trade secrets contained within those books and records, including the identity and addresses of policyholders and certificate holders, financial information concerning the administrator, and the business plan of the administrator, are to remain confidential. However, the commissioner may use that confidential information in proceedings instituted against the administrator.

(c) An insurer is the owner of records that:

(1) are generated by an administrator with which the insurer has entered into a written agreement under section 2 of this chapter; and

(2) pertain to the insurer.

However, the administrator retains the right to continuing access to books and records necessary to fulfill the administrator's contractual obligations to covered individuals, claimants, and the insurer.

(d) An administrator that is licensed under section 11.1 of this chapter shall make available for inspection by the commissioner copies of written agreements with insurers.

(e) An administrator that is licensed under section 11.1 of this chapter shall:

(1) produce the administrator's accounts, records, and files for examination; and

(2) make the administrator's officers available to provide information concerning the affairs of the administrator;

whenever reasonably required by the commissioner.

(f) An administrator that is licensed under section 11.1 of this chapter shall immediately notify the commissioner of a material change in:

(1) the ownership or control of the administrator; or

(2) another fact or circumstance that affects the administrator's qualification for a license.

The commissioner, upon receiving notice under this subsection, shall report the change to the centralized insurance producer license registry described in IC 27-1-15.6-7.

(g) An administrator that is licensed under section 11.1 of this chapter and that administers a governmental plan or a church plan shall maintain a bond:

(1) for the use and benefit of:

(A) the commissioner; and

(B) the insurance regulator of any state in which the administrator is authorized to conduct business; and

(2) that covers an individual and a person that has remitted premiums, insurance, charges, or other money to the administrator in the course of the administrator's business;

in an amount equal to the greater of one hundred thousand dollars ($100,000) or ten percent (10%) of the total of funds administered in connection with governmental plans or church plans in Indiana and all other states in which the administrator is authorized to conduct business.

As added by Acts 1980, P.L.168, SEC.2. Amended by Acts 1982, P.L.165, SEC.3; P.L.2-1995, SEC.102; P.L.160-2003, SEC.7; P.L.124-2018, SEC.47.
Ind. Code § 27-1-29.1-16 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-16
Defense of claims; expenses
Status: in_force

Sec. 16. The commission may associate with a member of the fund in the defense of a claim and, if no defense is provided by the insurer providing the fund member's underlying coverage, the commission may defend the member and control that defense. Amounts expended by the commission from the fund under this section must be deducted under section 13 of this chapter from the amount to be paid by the commission toward the satisfaction of a liability.

As added by P.L.272-1987, SEC.7.
Ind. Code § 27-8-1-11 — Indiana Code / Title 27 / Article 8 / Chapter 1 / Section 27-8-1-11
Bonds of officers and agents
Status: in_force

Sec. 11. No agent or officer of such corporation, association or society, shall be permitted to collect or receive any dues or assessments for or on account of the same until he executes, jointly with two (2) responsible sureties, a bond to the corporation, approved by the board of directors thereof, in such sum as they shall prescribe, conditioned upon the payment of all dues, assessments or funds over to the proper officer of such corporation, and all receipts of any such corporation shall be paid into the hands of the treasurer thereof, who shall, before assuming the duties of his office, give a bond in the sum of not less than ten thousand dollars ($10,000), with not less than two (2) sureties, to be approved by the board of directors, and conditioned for the faithful performance of his duties, and the accounting for, and the proper payment and disbursement by him of, all moneys thereof which come into his hands.

Formerly: Acts 1883, c.136, s.11.
Ind. Code § 27-1-45.2-6 — Indiana Code / Title 27 / Article 1 / Chapter 45.2 / Section 27-1-45.2-6
"Initiating party"
Status: in_force

Sec. 6. As used in this chapter, "initiating party" means a health carrier or out of network provider that submits a request for independent dispute resolution under federal law.

As added by P.L.119-2026, SEC.1.
Ind. Code § 27-1-51-1 — Indiana Code / Title 27 / Article 1 / Chapter 51 / Section 27-1-51-1
Applicability
Status: in_force

Sec. 1. This chapter applies to a policy of health insurance coverage that is issued, delivered, amended, or renewed after December 31, 2025.

As added by P.L.237-2025, SEC.10.
Ind. Code § 27-15-7-3 — Indiana Code / Title 27 / Article 15 / Chapter 7 / Section 27-15-7-3
Disclosure of confidential information
Status: in_force

Sec. 3. (a) Subject to subsection (c), the commissioner may disclose to any person all or part of any document marked "confidential" in the commissioner's possession as the result of being filed under this article if the following conditions are met:

(1) The commissioner must give written notice of the proposed disclosure to the converting mutual and any other person requesting disclosure.

(2) The converting mutual must be given an opportunity in private to respond to the proposed disclosure.

(3) The commissioner must give consideration to any legitimate interest in preserving trade secrets.

(4) The commissioner must determine that the eligible members or other policyholders have a compelling interest which would be served by disclosure.

(5) At least five (5) business days have elapsed from the converting mutual's receipt of written notice.

(b) The commissioner may disclose information under subsection (a) in a manner and subject to limitations as the commissioner considers appropriate.

(c) If:

(1) not more than six (6) business days have elapsed since the converting mutual received notice of a proposed disclosure; and

(2) the converting mutual has notified the commissioner that it or another interested party has filed an action seeking a protective order from a circuit or superior court to prevent or to limit disclosure;

the commissioner may not disclose the documents or copies of documents during the pendency of the action and any appeal or after any final court decision prohibiting disclosure.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-12-4 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-4
Valuation of bonds and securities
Status: in_force

Sec. 4. (a) All bonds or other evidences of debt having a fixed term and rate of interest held by an insurer may, if amply secured and not in default as to principal or interest, be valued as follows: If purchased at par, at the par value; if purchased above or below par, on the basis of the purchase price adjusted so as to bring the value to par at maturity and so as to yield in the meantime the effective rate of interest at which the purchase was made, or, instead of this method, according to an accepted method of valuation approved by the department. The purchase price shall in no case be taken at a higher figure than the actual market value at the time of purchase, plus actual brokerage, transfer, postage, or express charges paid in the acquisition of the securities. The department shall have full discretion in determining the method of calculating values according to the rules set forth in this subsection. However, no such method or valuation under this subsection may be inconsistent with any applicable method or valuation used by insurers in general or the method specified in the Accounting Practices and Procedures Manual.

(b) Securities held by an insurer, other than those referred to in subsection (a), shall be valued, in the discretion of the department, at their market value or at their appraised value or at prices determined by the department as representing the fair market value of the securities. Preferred or guaranteed stocks or shares, while paying full dividends, may be carried at a fixed value in lieu of market value at the discretion of the department and in accordance with the method of valuation that the department approves. No valuation under this subsection may be inconsistent with the applicable valuation or method specified in the Accounting Practices and Procedures Manual.

Formerly: Acts 1935, c.162, s.150. As amended by P.L.130-1994, SEC.16; P.L.116-1994, SEC.21; P.L.124-2018, SEC.15.
Ind. Code § 27-7-2-28.1 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-28.1
Assigned risk plan; administration; filing; approval; modification or elimination by general assembly
Status: in_force

Sec. 28.1. (a) The assigned risk plan is established.

(b) The bureau shall administer the assigned risk plan with the commissioner's approval.

(c) All companies authorized to write worker's compensation insurance shall participate in the assigned risk plan providing for the equitable apportionment among them of insurance that may be afforded to applicants who are in good faith entitled to but who are unable to procure such insurance through ordinary methods. The bureau shall file, at least thirty (30) days before their effective date, the plan of operation, rates, rating plans, rules, policy forms, and any future modifications thereof, with the commissioner for approval. Such rates shall reflect experience in the assigned risk plan to the extent it is actuarially appropriate. The rates must reflect the varied categories of rejected risks covered by the assigned risk plan and must include at least two (2) rating plans, one (1) of which may not exceed the recommended minimum premiums and rates filed by the bureau under section 4 of this chapter.

(d) The commissioner shall disapprove any filing that does not meet the requirements of section 20.1 of this chapter. A filing shall be deemed to meet such requirements unless disapproved by the commissioner within thirty (30) days after the filing is made. In disapproving a filing made under this section, the commissioner shall have the same authority and follow the same procedure as in disapproving a filing under section 20.3 of this chapter.

(e) The assigned risk plan may be substantially modified or eliminated only as the general assembly provides by statute.

As added by P.L.249-1989, SEC.14. Amended by P.L.204-2018, SEC.16.
Ind. Code § 27-19-1-5 — Indiana Code / Title 27 / Article 19 / Chapter 1 / Section 27-19-1-5
When continued payment of premiums is considered purchase of a new policy
Status: in_force

Sec. 5. For the purposes of this article, an individual who continues to pay premiums for a policy or contract offered by a qualified health plan issuer in a benefit year that follows the benefit year in which the individual purchased the original policy or contract is considered to have purchased a new policy or contract for the purposes of 45 CFR 147.106(h)(2).

As added by P.L.226-2023, SEC.31.
Ind. Code § 27-13-13-5 — Indiana Code / Title 27 / Article 13 / Chapter 13 / Section 27-13-13-5
Use of deposit
Status: in_force

Sec. 5. (a) A deposit made by a health maintenance organization under this chapter must be used to protect the interest of the enrollees of the health maintenance organization.

(b) The commissioner may use the deposit for administrative costs that are attributable to a receivership of the health maintenance organization.

(c) If the health maintenance organization is placed in receivership, the deposit made by the organization must be treated as an asset of the organization subject to IC 27-9.

As added by P.L.26-1994, SEC.25. Amended by P.L.208-2018, SEC.28.
Ind. Code § 27-2-18-13 — Indiana Code / Title 27 / Article 2 / Chapter 18 / Section 27-2-18-13
Contents of reports of material nonrenewals, cancellations, or revisions
Status: in_force

Sec. 13. The following information must be disclosed on a nonconsolidated basis in any report of a material nonrenewal, cancellation, or revision of a ceded reinsurance agreement:

(1) The effective date of the nonrenewal, cancellation, or revision.

(2) The description of the transaction with an identification of the initiator of the transaction.

(3) The purpose of or reason for the transaction.

(4) If applicable, the identity of the replacement reinsurers.

As added by P.L.251-1995, SEC.17.
Ind. Code § 27-1-36-35 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-35
"Regulatory action level event"
Status: in_force

Sec. 35. As used in this chapter, "regulatory action level event" means any of the following events:

(1) The filing of an RBC report by the insurer that indicates that the insurer's total adjusted capital is:

(A) greater than or equal to its authorized control level RBC; but

(B) less than its regulatory action level RBC.

(2) The notification by the commissioner to an insurer of an adjusted RBC report that indicates that the insurer's total adjusted capital is:

(A) greater than or equal to its authorized control level RBC; but

(B) less than its regulatory action level RBC;

unless the insurer challenges the adjusted RBC report under section 44 of this chapter.

(3) The notification by the commissioner to the insurer that the commissioner has, after a hearing under section 44 of this chapter, rejected the insurer's challenge to an adjusted RBC report.

(4) The failure of the insurer to file an RBC report by the filing date, unless the insurer:

(A) has provided an explanation for the failure that is satisfactory to the commissioner; and

(B) has cured the failure not more than ten (10) days after the March 1 filing date.

(5) The failure of the insurer to submit an RBC plan to the commissioner within the period prescribed in section 31 of this chapter.

(6) Notification by the commissioner to the insurer under section 33 of this chapter, unless the insurer challenges the notification under section 44 of this chapter.

(7) The notification by the commissioner to the insurer that the commissioner has, after a hearing under section 44 of this chapter, rejected the challenge to a determination by the commissioner under section 33 of this chapter.

(8) Notification by the commissioner to the insurer that the insurer has failed to adhere to its RBC plan or revised RBC plan, but only if:

(A) the failure has a substantial adverse effect on the ability of the insurer to eliminate the company action level event in accordance with its RBC plan or revised RBC plan; and

(B) the commissioner has so stated in the notification;

unless the insurer challenges the determination under section 44 of this chapter.

(9) The notification by the commissioner to the insurer that the commissioner has, after a hearing under section 44 of this chapter, rejected the insurer's challenge to the determination made under subdivision (8).

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-7-16-6 — Indiana Code / Title 27 / Article 7 / Chapter 16 / Section 27-7-16-6
Provision of group tenant users liability insurance policy
Status: in_force

Sec. 6. An insurer that is authorized under IC 27-1-3-20 to:

(1) transact business as a casualty insurance company; and

(2) offer casualty and liability insurance;

may provide a group tenant users liability insurance policy.

As added by P.L.146-2015, SEC.33.
Ind. Code § 27-1-7-17 — Indiana Code / Title 27 / Article 1 / Chapter 7 / Section 27-1-7-17
Restrictions on dividend payments
Status: in_force

Sec. 17. No domestic company shall make any payments in form of dividends or otherwise to its shareholders, for or on account of any interest in or relation to the company as shareholders, unless it possesses assets in the amount of such payment, in excess of its liabilities, including its capital stock: Provided, That in no instance shall such dividend reduce the surplus below an amount equal to fifty per cent (50%) of the capital stock of such company; and no domestic company shall make any payments to its members or policyholders for or on account of any interest in or relation to the company as members or policyholders, except for matured claims or other policy obligations and in the purchase of surrender values, unless it possesses assets in the amount of such payments in excess of its liabilities.

Formerly: Acts 1935, c.162, s.95.
Ind. Code § 27-8-29-5 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-5
"Department" defined
Status: in_force

Sec. 5. As used in this chapter, "department" refers to the department of insurance.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14.
Ind. Code § 27-8-12-14.5 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-14.5
Policy summary; requirements
Status: in_force

Sec. 14.5. (a) A policy summary shall be delivered, at the time of policy delivery, for an individual life insurance policy that provides long term care benefits within the policy or by a rider.

(b) The insurer shall deliver the policy summary upon the applicant's request when there is a direct response solicitation. If there is no request, the insurer shall deliver the policy summary not later than when the policy is delivered.

(c) The policy summary must include the following:

(1) An explanation of how long a long term care benefit interacts with other components of the policy, including deductions from a death benefit.

(2) An illustration of the amount of a benefit, the length of a benefit, and the guaranteed lifetime benefits for each covered person.

(3) Any exclusion, reduction, and limitation on benefits of long term care.

(d) A policy summary required under this section must also include the following information if applicable:

(1) A disclosure of any effect of exercising rights under the policy other than rights referred to in subsection (c).

(2) A disclosure of any guarantee related to long term care costs of insurance charges.

(3) Current and projected maximum lifetime benefits.

As added by P.L.114-1991, SEC.17.
Ind. Code § 27-17-9-4 — Indiana Code / Title 27 / Article 17 / Chapter 9 / Section 27-17-9-4
Assets or securities not subject to levy
Status: in_force

Sec. 4. Assets or securities held in Indiana as a deposit under this chapter are not subject to levy by a judgment creditor or other claimant, except the commissioner, against the discount medical card program organization.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-42-16 — Indiana Code / Title 27 / Article 1 / Chapter 42 / Section 27-1-42-16
Rulemaking
Status: in_force

Sec. 16. The department may adopt rules under IC 4-22-2 to implement this chapter.

As added by P.L.70-2013, SEC.1.
Ind. Code § 27-10-3-12 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-12
Deposits in accounts of insurers or agents; reports
Status: in_force

Sec. 12. All insurers or general agents requiring bail bond agents to post deposits pursuant to their bail bond writing authority must maintain those deposits in a bank, savings association, or credit union in this state. Each insurer or general agent shall report to the commissioner the location of each agent's account at the time of the agent's license issuance or renewal. Any change in the location of an agent's account shall be reported by the insurer or general agent to the commissioner within thirty (30) days of the change of location.

As added by P.L.261-1985, SEC.1. Amended by P.L.79-1998, SEC.33.
Ind. Code § 27-13-34-10 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-10
Powers of limited service health maintenance organization
Status: in_force

Sec. 10. (a) Subject to subsection (b), the powers of a limited service health maintenance organization include the following:

(1) The purchase, lease, construction, renovation, operation, or maintenance of:

(A) medical facilities that will provide limited health services;

(B) equipment for medical facilities providing limited health services; and

(C) other property reasonably required for the principal office of the limited service health maintenance organization or for purposes necessary in the transaction of the business of the organization.

(2) Engaging in transactions between affiliated entities, including loans and the transfer of responsibility under any or all contracts:

(A) between affiliates; or

(B) between the limited service health maintenance organization and the parent organization of the limited service health maintenance organization.

(3) The furnishing of limited health services through the following:

(A) Providers.

(B) Provider associations.

(C) Agents for providers who are under contract with or are employed by the limited service health maintenance organization. The contracts with providers, provider associations, or agents for providers may include fee for service, cost plus, capitation, or other payment or risk-sharing agreements.

(4) Contracting with any person for the performance on behalf of the limited service health maintenance organization of certain functions, including:

(A) marketing;

(B) enrollment; and

(C) administration.

(5) Contracting with:

(A) an insurance company licensed in Indiana; or

(B) an authorized reinsurer for the provision of insurance, indemnity, or reimbursement against the cost of health care services provided by the limited service health maintenance organization.

(6) The offering of point-of-service products for the limited health services for which the limited service health maintenance organization is licensed so long as the limited service health maintenance organization complies with the reinsurance or ratio requirements of IC 27-13-13-8.

(7) The joint marketing of products with:

(A) an insurance company that is licensed in Indiana; or

(B) a health maintenance organization that is authorized to conduct business in Indiana;

if the company that is offering each product is clearly identified.

(8) Providing limited health services at the expense of a self-funded plan.

(b) Nothing in this section qualifies an asset of a prepaid limited health service organization as an admitted asset.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-15.6-13.6 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-13.6
Applicability; compliance; disclosure requirement; reporting of violation; penalty
Status: in_force

Sec. 13.6. (a) This section applies to the sale, solicitation, or negotiation by an insurance producer of the following:

(1) A policy of accident and sickness insurance (as defined in IC 27-8-5-1) issued on a group, a franchise, or a blanket basis. However, this section does not apply to the types of insurance and coverage described in IC 27-8-5-2.5(a).

(2) A group health maintenance organization contract entered into under IC 27-13.

(b) An insurance producer shall comply with 29 U.S.C. 1108(b)(2).

(c) Before or at the time of sale of a group policy, an insurance producer and a third party administrator shall do the following:

(1) Provide the plan sponsor with a statement from the insurer or health maintenance organization that discloses the amount that will be paid to the insurance producer or third party administrator for the sale of the group policy. The plan sponsor shall sign the statement in acknowledgment of receipt of the statement.

(2) Disclose any additional fees other than those disclosed under subdivision (1) that the insurance producer or third party administrator may receive, including any planning fee.

(d) Before January 1, 2026, the department shall establish a process for a person to report a violation of this section.

(e) Upon receiving a report of a violation under this section, the department shall:

(1) issue a notice to the insurance producer of the report of a violation of this section;

(2) investigate the report; and

(3) if the department determines that the insurance producer has violated this section at least three (3) times in a twelve (12) month period, the commissioner shall assess the insurance producer with an appropriate penalty set forth in section 12 of this chapter.

As added by P.L.216-2025, SEC.39.
Ind. Code § 27-8-14-1 — Indiana Code / Title 27 / Article 8 / Chapter 14 / Section 27-8-14-1
"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 one (1) or more 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) 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.119-1991, SEC.3. Amended by P.L.173-2007, SEC.30; P.L.288-2019, SEC.11.
Ind. Code § 27-1-27-3 — Indiana Code / Title 27 / Article 1 / Chapter 27 / Section 27-1-27-3
Certificates of authority; issuance; prerequisites
Status: in_force

Sec. 3. (a) The commissioner of insurance shall issue resident and nonresident public adjusters' certificates of authority to each person who:

(1) has complied with the requirements of this chapter, including the payment of fees, the completion of the examination, and, in the case of a nonresident applicant, the service of process designation;

(2) is at least eighteen (18) years of age; and

(3) has not been convicted of:

(A) an act which would constitute a ground for disciplinary sanction under section 7.1 of this chapter; or

(B) a felony that has a direct bearing on his ability to practice competently.

A certificate of authority may be issued to a corporation that has one (1) or more officers, directors, or employees who have been issued public adjusters' certificates of authority. However, a corporation may practice public adjusting only through its officers, directors, or employees who have been issued certificates under this chapter.

(b) The commissioner of insurance may issue a resident certificate of authority only to an applicant who is a bona fide resident of Indiana.

(c) The commissioner may issue a nonresident certificate of authority only to a nonresident of Indiana who holds an equivalent resident certificate of authority or a license issued under the laws of any other state, any territorial possession of the United States, or any foreign country.

As added by P.L.257-1983, SEC.1. Amended by P.L.146-2015, SEC.25.
Ind. Code § 27-14.5-1-2 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-2
Repeal of former law
Status: repealed

Sec. 2. (a) This article replaces IC 27-14, as repealed by HEA 1329-2023.

(b) The repeal of IC 27-14 does not affect the validity of any mutual insurance company reorganization that was approved under IC 27-14. Any existing mutual insurance holding company and any related intermediate stock holding company or reorganized insurer created or reorganized under IC 27-14 (before its repeal) are:

(1) governed by this article after April 30, 2023; and

(2) considered created or reorganized as of the date the mutual insurance holding company, related intermediate stock holding company, or reorganized insurer was created or reorganized, as applicable, under IC 27-14.

As added by P.L.226-2023, SEC.30. Amended by P.L.9-2024, SEC.489.
Ind. Code § 27-13-1-5 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-5
"Capitated basis"
Status: in_force

Sec. 5. "Capitated basis" means fixed per member per month payment or percentage of premium payment under which the provider assumes the full risk for the cost of contracted services without regard to type, value, or frequency of services provided. For purposes of this definition, capitated basis includes the cost associated with operating staff model facilities.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-8-12-1 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-1
"Applicant" defined
Status: in_force

Sec. 1. As used in this chapter, "applicant" means:

(1) an individual who applies for long term care insurance through an individual insurance policy; or

(2) a prospective holder of a certificate issued under a group long term care insurance policy.

As added by P.L.275-1987, SEC.1.
Ind. Code § 27-1-1.5-7 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-7
"Accounting Practices and Procedures Manual"
Status: in_force

Sec. 7. "Accounting Practices and Procedures Manual" refers to the document entitled "Accounting Practices and Procedures Manual" 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 § 27-1-29.1-21 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-21
Relinquishment of membership in fund; prerelinquishment liabilities; assessments
Status: in_force

Sec. 21. 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 the 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.272-1987, SEC.7. Amended by P.L.9-2024, SEC.480.
Ind. Code § 27-1-12.7-1 — Indiana Code / Title 27 / Article 1 / Chapter 12.7 / Section 27-1-12.7-1
"Funding agreement"
Status: in_force

Sec. 1. As used in this chapter, "funding agreement" means an agreement that:

(1) is issued by a life insurance company to a holder;

(2) authorizes a life insurance company to accept funds; and

(3) provides for an accumulation of the funds for the purpose of making one (1) or more payments at future dates in amounts that are not based on mortality or morbidity contingencies of the holder of the funding agreement.

As added by P.L.178-2003, SEC.18.
Ind. Code § 27-8-5.7-2.7 — Indiana Code / Title 27 / Article 8 / Chapter 5.7 / Section 27-8-5.7-2.7
"Health provider facility"
Status: in_force

Sec. 2.7. As used in this chapter, "health provider facility" has the meaning set forth in IC 27-1-37-3.2.

As added by P.L.88-2026, SEC.8.
Ind. Code § 27-1-12.1-11 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-11
Officers and directors
Status: in_force

Sec. 11. The officers and directors of an organizing domestic life insurance company may serve as officers and directors of a limited purpose subsidiary organized by the organizing domestic life insurance company.

As added by P.L.11-2011, SEC.7.
Ind. Code § 27-1-15.6-19 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-19
Prearranged funeral insurance
Status: in_force

Sec. 19. (a) As used in this section, "prearranged funeral insurance" means insurance that is used to fund any of the following:

(1) A funeral trust under IC 30-2-10 and IC 30-2-13.

(2) Any other arrangement for advance payment of funeral and burial expenses.

(b) A person shall not sell, solicit, or negotiate prearranged funeral insurance unless the person is licensed as either of the following:

(1) An insurance producer with a life qualification under section 7 of this chapter.

(2) A limited lines producer.

(c) A person may be licensed as a limited lines producer to sell only prearranged funeral insurance if the person is:

(1) licensed under IC 25-15-4-3; and

(2) granted a change in status under subsection (d).

(d) If, after a person is licensed under this chapter as an insurance producer with a life qualification, the person wants to limit the person's insurance business solely to the sale of prearranged funeral insurance, the person must:

(1) request the commissioner to issue the person a limited lines producer's license under this chapter; and

(2) show proof of having completed ten (10) hours of continuing education credit approved by the department.

(e) If the commissioner receives a request and proof under subsection (d), the commissioner shall issue a limited lines producer's license, subject to the provisions of this chapter relating to limited lines producer's licenses.

(f) A person issued a limited lines producer's license under subsection (e) may sell only prearranged funeral insurance.

As added by P.L.132-2001, SEC.3. Amended by P.L.1-2002, SEC.107.
Ind. Code § 27-4-1-12 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-12
Violations; penalties
Status: in_force

Sec. 12. Any person who violates a cease and desist order of the commissioner under section 6 of this chapter, or an order of the court under IC 4-21.5, after it has become final, and while such order is in effect, may, after notice and hearing under IC 4-21.5 and upon order of the commissioner, be subject at the discretion of the commissioner to one (1) or more of the following:

(1) A civil penalty of not more than twenty-five thousand dollars ($25,000) for each act or violation.

(2) Suspension or revocation of the person's license or certificate of authority.

Formerly: Acts 1947, c.112, s.12. As amended by P.L.259-1983, SEC.4; P.L.7-1987, SEC.150; P.L.121-1990, SEC.5; P.L.149-1990, SEC.3.
Ind. Code § 27-1-9-6 — Indiana Code / Title 27 / Article 1 / Chapter 9 / Section 27-1-9-6
Recording certified copies of certificate of merger or consolidation
Status: in_force

Sec. 6. The surviving or new corporation resulting from a merger or consolidation, shall within ten (10) days after the merger or consolidation becomes effective, file for record with:

(1) the county recorder of each county in which the principal office of any of the corporations parties to the agreement is located; and

(2) each county in this state in which any of the corporations have real property at the time of the merger or consolidation;

the title that will be transferred by the merger or consolidation, a certified copy of the certificate of merger or certificate of consolidation and incorporation, accompanied by one (1) of the copies of the articles of merger or articles of consolidation, bearing the indorsement of the approval of the secretary of state.

Formerly: Acts 1935, c.162, s.119. As amended by P.L.136-2018, SEC.155.
Ind. Code § 27-1-3-29 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-29
Enforceability of policies exceeding authority of insurer or violating statute or rule
Status: in_force

Sec. 29. (a) Except as otherwise provided by statute, a policy is enforceable against the insurer according to its terms, even if the policy exceeds the authority of the insurer.

(b) A policy that violates a statute or rule is enforceable against the insurer as if the policy conformed to the statute or rule.

(c) Upon the written request of the policyholder or the insured whose rights under the policy are continuing and not transitory, an insurer shall reform and reissue its written policy to comply with the requirements of the law existing at the date of issue or last renewal of the policy.

As added by P.L.268-1999, SEC.2.
Ind. Code § 27-7-6-8 — Indiana Code / Title 27 / Article 7 / Chapter 6 / Section 27-7-6-8
Notice of possible eligibility under assigned risk plan
Status: in_force

Sec. 8. When a policy providing automobile liability coverage is cancelled, other than for nonpayment of premium, or in the event of failure to renew a policy providing automobile liability coverage to which section 6 of this chapter applies, the insurer shall notify the named insured of his possible eligibility for automobile liability insurance through other insurers or through the automobile liability assigned risk plan. Such notice shall accompany or be included in the notice of cancellation or the notice of intent not to renew.

Formerly: Acts 1969, c.332, s.8. As amended by P.L.252-1985, SEC.268.
Ind. Code § 27-17-14-2 — Indiana Code / Title 27 / Article 17 / Chapter 14 / Section 27-17-14-2
Application of unauthorized insurers act
Status: in_force

Sec. 2. IC 27-4-5 applies to a discount medical card program organization that operates without registration under this article as if the discount medical card program organization were an unauthorized insurer.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-8-35-1 — Indiana Code / Title 27 / Article 8 / Chapter 35 / Section 27-8-35-1
"Covered individual"
Status: in_force

Sec. 1. As used in this chapter, "covered individual" means an individual who:

(1) is entitled to coverage under a policy of accident and sickness insurance; and

(2) has a disability.

As added by P.L.2-2019, SEC.9.
Ind. Code § 27-9-3-22 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-22
Jurisdiction of Marion County circuit court under this chapter
Status: in_force

Sec. 22. The Marion County circuit court has summary jurisdiction of any proceeding by the liquidator to hear and determine the rights of any parties under this chapter. Reasonable notice of any hearing in the proceeding shall be given to all parties in interest, including the obligee of a releasing bond or other like obligation. Where an order is entered for the recovery of indemnifying property in kind or for the avoidance of an indemnifying lien, the court, upon application of any party in interest, shall in the same proceeding ascertain the value of the property or lien, and if the value is less than the amount for which the property is indemnity or than the amount of the lien, the transferee or lienholder may elect to retain the property or lien upon payment of its value, as ascertained by the court, to the liquidator, within reasonable times as the court shall fix.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-15.6-19.7 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-19.7
Repealed
Status: repealed

As added by P.L.276-2013, SEC.14. Repealed by P.L.19-2022, SEC.2.
Ind. Code § 27-7-1-3 — Indiana Code / Title 27 / Article 7 / Chapter 1 / Section 27-7-1-3
Additional underwriters
Status: in_force

Sec. 3. After any Lloyds is authorized to do business in this state pursuant to this law, it may be joined by other and additional underwriters, but, in that event, such underwriters who may thereafter join such authorized Lloyds shall be held to be bound by the documents on file with the insurance commissioner concerning such Lloyds.

Formerly: Acts 1919, c.177, s.3. As amended by P.L.148-2017, SEC.11.
Ind. Code § 27-1-24.5-1 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-1
"Covered individual"
Status: in_force

Sec. 1. As used in this chapter, "covered individual" means an individual who is entitled to coverage under a health plan.

As added by P.L.68-2020, SEC.1.
Ind. Code § 27-8-15-7 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-7
"Commissioner"
Status: in_force

Sec. 7. As used in this chapter, "commissioner" refers to the commissioner of the department of insurance.

As added by P.L.127-1992, SEC.1.
Ind. Code § 27-7-2-20.3 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-20.3
Minimum premiums or rates; disapproval
Status: in_force

Sec. 20.3. (a) Minimum premiums or rates may be disapproved at the following times:

(1) At any time subsequent to the effective date.

(2) Before the effective date.

(b) Minimum premiums or rates may be disapproved for any of the following reasons:

(1) If the company fails to comply with the filing requirements under section 20.2 of this chapter.

(2) If the commissioner finds that the minimum premium or rate is excessive, inadequate, or unfairly discriminatory.

(c) The following procedure shall be used for disapproval of minimum premiums or rates:

(1) The commissioner may disapprove, without hearing, minimum premiums or rates filed under section 20.2 or 28.1 of this chapter that have not become effective. However, the bureau or a company whose minimum premiums or rates have been disapproved shall be given a hearing upon a written request made within thirty (30) days after the date of the disapproval order.

(2) Every company or the bureau shall provide within Indiana reasonable means whereby any person aggrieved by the application of its filings may be heard on written request to review the manner in which such rating system has been applied in connection with the insurance afforded or offered. If the company or the bureau fails to grant or reject such request within thirty (30) days, the aggrieved person may proceed in the same manner as if the request had been rejected. Any aggrieved person affected by the action of such company or the bureau on such request may, within thirty (30) days after written notice of such action, appeal to the commissioner who, after a hearing held upon not less than ten (10) days written notice to the aggrieved person and to such company or the bureau, may affirm, modify, or reverse such action.

(d) If the commissioner disapproves a minimum premium or rate, the commissioner shall issue an order specifying in what respects minimum premium or the rate fails to meet the requirements of this chapter and stating when within a reasonable period thereafter such minimum premium or rate shall be discontinued for any policy issued or renewed after a date specified in the order. The order shall be issued within thirty (30) days after the close of the hearing or within such reasonable time extension as the commissioner may fix. Such order may include a provision for premium adjustment for the period after the effective date of the order for policies in effect on such date.

(e) Whenever a company has no legally effective minimum premiums or rates as a result of the commissioner's disapproval of minimum premiums or rates or other act, the commissioner shall specify interim minimum premiums or rates for the company that are adequate to protect the interests of all parties and may order that a specified portion of the premiums be placed in an escrow account approved by the commissioner. When new minimum premiums or rates become legally effective, the commissioner shall order the escrowed funds or any overcharge in the interim minimum premiums or rates to be distributed appropriately, except that refunds of less than ten dollars ($10) per policyholder shall not be required.

As added by P.L.249-1989, SEC.11.
Ind. Code § 27-7-17-10 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-10
"Primary certificate holder"
Status: in_force

Sec. 10. As used in this chapter, "primary certificate holder" means a person who elects and purchases travel insurance under a group policy.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-4-3-1 — Indiana Code / Title 27 / Article 4 / Chapter 3 / Section 27-4-3-1
Two or more companies coercing or inducing insurance producer to refrain from representing additional companies
Status: in_force

Sec. 1. It is hereby declared unlawful for any two (2) or more insurance companies writing the same class, or classes, of risks and doing business in this state, directly or indirectly, to enter into any arrangement, contract, agreement, understanding, combination or association to require, coerce or induce any insurance producer or representative of any two (2) or more of such insurance companies within the state of Indiana to refrain from representing other such insurance companies, or to afford any advantage to any insurance producer to refrain from representing other such insurance companies or to impose upon the insurance producer any disadvantage by reason of the insurance producer's acting as representative of other such insurance companies.

Formerly: Acts 1937, c.46, s.1. As amended by P.L.178-2003, SEC.36.
Ind. Code § 27-13-37.5-1 — Indiana Code / Title 27 / Article 13 / Chapter 37.5 / Section 27-13-37.5-1
"Mail order or Internet based pharmacy"
Status: in_force

Sec. 1. As used in this chapter, "mail order or Internet based pharmacy" has the meaning set forth in IC 25-26-18-1.

As added by P.L.251-2003, SEC.5.
Ind. Code § 27-8-39-1 — Indiana Code / Title 27 / Article 8 / Chapter 39 / Section 27-8-39-1
"Policy of accident and sickness insurance"
Status: in_force

Sec. 1. As used in this chapter, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. The term does not include a policy, plan, or coverage set forth in IC 27-8-5-2.5(a).

As added by P.L.190-2023, SEC.31.
Ind. Code § 27-2-21-23 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-23
Violations
Status: in_force

Sec. 23. A violation of this chapter by an insurer is an unfair and deceptive act and practice in the business of insurance under IC 27-4-1-4.

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-8-29-9 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-9
"Health care provider" defined
Status: in_force

Sec. 9. As used in this chapter, "health care provider" means a person:

(1) that provides physician services (as defined in IC 12-15-11-1(a)); or

(2) who is licensed under IC 25-33.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14.
Ind. Code § 27-2-25-4 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-4
"Health carrier"
Status: in_force

Sec. 4. (a) As used in this chapter, "health carrier" means an entity:

(1) that is subject to this title and the administrative rules adopted under this title; and

(2) that enters into a contract to:

(A) provide health care services;

(B) deliver health care services;

(C) arrange for health care services; or

(D) pay for or reimburse any of the costs of health care services.

(b) The term includes the following:

(1) An insurer, as defined in IC 27-1-2-3(x), that issues a policy of accident and sickness insurance, as defined in IC 27-8-5-1(a).

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

(3) An administrator (as defined in IC 27-1-25-1(a)) that is licensed under IC 27-1-25.

(4) A state employee health plan offered under IC 5-10-8.

(5) A short term insurance plan (as defined by IC 27-8-5.9-3).

(6) Any other entity that provides a plan of health insurance, health benefits, or health care services.

(c) The term does not include:

(1) an insurer that issues a policy of accident and sickness insurance;

(2) a limited service health maintenance organization (as defined in IC 27-13-34-4); or

(3) an administrator;

that only provides coverage for, or processes claims for, dental or vision care services.

As added by P.L.93-2020, SEC.13.
Ind. Code § 27-13-23-6 — Indiana Code / Title 27 / Article 13 / Chapter 23 / Section 27-13-23-6
Health maintenance organizations outside Indiana; reports of other insurance commissioners
Status: in_force

Sec. 6. Instead of conducting an examination of a health maintenance organization that is not domiciled in Indiana, the commissioner may accept the report of an examination made by the insurance commissioner of another state if the other state is accredited by the NAIC.

As added by P.L.26-1994, SEC.25. Amended by P.L.124-2018, SEC.94.
Ind. Code § 27-17-9-3 — Indiana Code / Title 27 / Article 17 / Chapter 9 / Section 27-17-9-3
Option to maintain a deposit; income
Status: in_force

Sec. 3. (a) A discount medical card program organization may, instead of maintaining a surety bond under section 2 of this chapter, maintain a deposit with:

(1) the commissioner; or

(2) at the discretion of the commissioner, an organization or a trustee approved by the commissioner and using a custodial or controlled account;

cash, securities, a combination of cash and securities, or another measure approved by the commissioner and having at all times a market value equal to at least thirty-five thousand dollars ($35,000).

(b) Income that results from a deposit made under subsection (a) is an asset of the discount medical card program organization.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-8-6-3 — Indiana Code / Title 27 / Article 8 / Chapter 6 / Section 27-8-6-3
Application of amendments by Acts 1974, P.L.126
Status: in_force

Sec. 3. The amendments to this chapter made by Acts 1974, P.L.126 do not apply to a policy, contract, plan, or agreement in effect before June 11, 1974.

As added by P.L.1-1989, SEC.55.
Ind. Code § 27-9-3.1-2 — Indiana Code / Title 27 / Article 9 / Chapter 3.1 / Section 27-9-3.1-2
"Business day"
Status: in_force

Sec. 2. As used in this chapter, "business day" means a day other than:

(1) Saturday;

(2) Sunday; or

(3) a day on which either the New York Stock Exchange or the Federal Reserve Bank of New York is closed.

As added by P.L.11-2011, SEC.36.
Ind. Code § 27-8-14.5-6 — Indiana Code / Title 27 / Article 8 / Chapter 14.5 / Section 27-8-14.5-6
Coverage for diabetes self-management training
Status: in_force

Sec. 6. (a) A health insurance plan issued by an insurer must provide coverage for diabetes self-management training that is:

(1) medically necessary;

(2) ordered in writing by a physician licensed under IC 25-22.5, a podiatrist licensed under IC 25-29, an advanced practice registered nurse licensed under IC 25-23, or a physician assistant licensed under IC 25-27.5; and

(3) provided by a health care professional who:

(A) is licensed, registered, or certified under IC 25; and

(B) has specialized training in the management of diabetes.

(b) Coverage for diabetes self-management training may be limited to the following:

(1) One (1) or more visits after receiving a diagnosis of diabetes.

(2) One (1) or more visits after receiving a diagnosis by a physician licensed under IC 25-22.5 or a podiatrist licensed under IC 25-29 that:

(A) represents a significant change in the insured's symptoms or condition; and

(B) makes changes in the insured's self-management medically necessary.

(3) One (1) or more visits for reeducation or refresher training.

(c) Coverage for diabetes self-management training is subject to the requirements of the health insurance plan regarding the use of participating providers.

As added by P.L.190-1997, SEC.1. Amended by P.L.143-2022, SEC.74.
Ind. Code § 27-8-19.8-13 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-13
Nonresident licenses
Status: in_force

Sec. 13. The department may not issue a license to an applicant who is not an Indiana resident unless the applicant does either of the following:

(1) Files and maintains with the department a written designation of an agent for service of process.

(2) Files with the department the applicant's written irrevocable consent that any action against the applicant may be begun against the applicant by the service of process on the department.

As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70.
Ind. Code § 27-1-52-7.5 — Indiana Code / Title 27 / Article 1 / Chapter 52 / Section 27-1-52-7.5
"RARC"
Status: in_force

Sec. 7.5. As used in this chapter, "RARC" refers to remittance advice remark codes that provide:

(1) supplemental information about a financial adjustment indicated by a CARC; or

(2) information about remittance processing.

As added by P.L.88-2026, SEC.6.
Ind. Code § 27-1-44.6-7 — Indiana Code / Title 27 / Article 1 / Chapter 44.6 / Section 27-1-44.6-7
Terms; vacancies
Status: in_force

Sec. 7. (a) Members appointed by the governor serve a four (4) year term that expires June 30, 2025, and each fourth year thereafter. Members may be reappointed to successive terms.

(b) Subject to subsection (d), the executive director is a permanent member of the advisory board.

(c) Each appointed member serves until the member's successor is appointed and qualified. A vacancy must be filled by the appropriate appointing authority. A member appointed to fill a vacancy serves for the unexpired term of the member's predecessor.

(d) A member may be removed from the advisory board for good cause by the member's appointing authority.

As added by P.L.195-2021, SEC.12. Amended by P.L.137-2021, SEC.32; P.L.42-2024, SEC.148.
Ind. Code § 27-1-33-4 — Indiana Code / Title 27 / Article 1 / Chapter 33 / Section 27-1-33-4
Managing general agent
Status: in_force

Sec. 4. (a) As used in this chapter, "managing general agent" or "MGA" means any person, firm, association, or corporation:

(1) that manages all or part of the insurance business of an insurer (including the management of a separate division, department, or underwriting office);

(2) that acts as an agent for the insurer, whether known as a managing general agent, manager, or other similar term;

(3) that, with or without the authority, either separately or together with affiliates, produces, directly or indirectly, and underwrites an amount of gross direct written premium at least five percent (5%) of the policyholder surplus as reported in the last annual statement of the insurer in any one (1) quarter or year; and

(4) that does at least one (1) of the following activities related to the business produced:

(A) Adjusts or pays claims in excess of an amount determined by the commissioner.

(B) Negotiates reinsurance on behalf of the insurer.

(b) Notwithstanding subsection (a), the following persons are not MGAs for the purposes of this chapter:

(1) An employee of the insurer.

(2) A United States manager of the United States branch of an alien insurer.

(3) An underwriting manager that, pursuant to contract:

(A) manages all or part of the insurance operations of the insurer;

(B) is under common control with the insurer, subject to IC 27-1-23; and

(C) is not compensated based on the volume of premiums written.

(4) An attorney-in-fact authorized by and acting for the subscribers of a reciprocal insurer as authorized in IC 27-6-6-1 or an interinsurance exchange as authorized in IC 27-1-2-2 under powers of attorney.

As added by P.L.1-1992, SEC.148. Amended by P.L.130-1994, SEC.34; P.L.116-1994, SEC.44.
Ind. Code § 27-1-26-12 — Indiana Code / Title 27 / Article 1 / Chapter 26 / Section 27-1-26-12
Application of chapter
Status: in_force

Sec. 12. This chapter applies to all policy forms filed after June 30, 1982. A policy may not be issued for delivery in Indiana after June 30, 1985, unless approved by the commissioner or permitted to be issued under this chapter. A policy that has been approved or permitted to be issued under this chapter before July 1, 1985, and that meets the standards of this chapter does not need to be refiled for approval on July 1, 1985, but may continue being issued in Indiana upon filing with the commissioner a list of those forms, identified by form number, and accompanied by a certificate for each form as provided by section 7 of this chapter.

As added by Acts 1981, P.L.245, SEC.1.
Ind. Code § 27-8-10-2.6 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-2.6
Member and health care provider grievances
Status: in_force

Sec. 2.6. (a) If a:

(1) member is aggrieved by an act of the association; or

(2) health care provider is aggrieved by an act of the association with respect to reimbursement to the provider under an association policy;

the member or health care provider shall, not more than ninety (90) days after the act occurs, appeal to the board of directors for review of the act.

(b) If:

(1) within thirty (30) days after an appeal is filed under subsection (a), the board of directors has not acted on the appeal; or

(2) a member or health care provider is aggrieved by a final action or decision of the board of directors;

the member or health care provider may appeal to the commissioner.

(c) An appeal to the commissioner under subsection (b) must be filed less than thirty (30) days after the:

(1) expiration of the thirty (30) day period specified in subsection (b)(1); or

(2) action or decision specified in subsection (b)(2).

(d) The commissioner shall, not more than forty-five (45) days after an appeal is filed under subsection (c), take a final action or issue an order regarding the appeal.

(e) A final action or order of the commissioner on an appeal filed under this section is subject to judicial review.

(f) If a member or health care provider sues the association, the court shall not award to the member or health care provider:

(1) attorney's fees or costs; or

(2) punitive damages.

As added by P.L.51-2004, SEC.6.
Ind. Code § 27-7-11-2 — Indiana Code / Title 27 / Article 7 / Chapter 11 / Section 27-7-11-2
Policy effective date; cancellation
Status: in_force

Sec. 2. A drought insurance policy becomes effective and is not subject to cancellation:

(1) at the time stated in the application for the insurance; or

(2) fourteen (14) days after the applicant submits the premium payment;

whichever occurs first, unless the application is refused in writing and the premium payment is returned within fourteen (14) days after the premium payment is submitted.

As added by P.L.250-1989, SEC.1.
Ind. Code § 27-1-49-0.5 — Indiana Code / Title 27 / Article 1 / Chapter 49 / Section 27-1-49-0.5
Application of chapter
Status: in_force

Sec. 0.5. This chapter applies to a policy of health insurance coverage that is issued, delivered, amended, or renewed after December 31, 2024.

As added by P.L.166-2023, SEC.2.
Ind. Code § 27-7-17.5-6 — Indiana Code / Title 27 / Article 7 / Chapter 17.5 / Section 27-7-17.5-6
"Provider"
Status: in_force

Sec. 6. As used in this chapter, "provider" means:

(1) a dentist licensed under IC 25-14; or

(2) a dental office through which one (1) or more dentists licensed under IC 25-14 provide dental services.

As added by P.L.42-2022, SEC.1.
Ind. Code § 27-13-1-26 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-26
"Point-of-service product"
Status: in_force

Sec. 26. "Point-of-service product" means a product that covers both:

(1) in-plan covered services; and

(2) out-of-plan covered services.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-4-9-4 — Indiana Code / Title 27 / Article 4 / Chapter 9 / Section 27-4-9-4
Rules
Status: in_force

Sec. 4. (a) The department shall adopt rules under IC 4-22-2 to implement this chapter.

(b) The rules adopted under subsection (a) must set forth the duties that apply to an insurer or an insurance producer in determining whether reasonable grounds exist to believe that a recommendation to purchase or exchange an annuity is suitable for a consumer to whom the recommendation is made based on the facts disclosed by the consumer concerning the consumer's investments, other insurance products, and financial situation and needs.

As added by P.L.138-2005, SEC.2. Amended by P.L.131-2007, SEC.4.
Ind. Code § 27-9-3-16 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-16
Preferences
Status: in_force

Sec. 16. (a) A preference is a transfer of any of the property of an insurer to or for the benefit of a creditor, for or on account of an antecedent debt, made or suffered by the insurer within one (1) year before the filing of a successful petition for liquidation under IC 27-9, the effect of which transfer may be to enable the creditor to obtain a greater percentage of this debt than another creditor of the same class would receive. If a liquidation order is entered while the insurer is already subject to a rehabilitation order, then that transfer shall be considered a preference if made or suffered within one (1) year before the filing of the successful petition for rehabilitation, or within two (2) years before the filing of the successful petition for liquidation, whichever time is shorter.

(b) A preference may be avoided by the liquidator if:

(1) the insurer was insolvent at the time of the transfer;

(2) the transfer was made within four (4) months before the filing of the petition;

(3) the creditor receiving it or to be benefited by it or his agent acting with reference to it had, at the time when the transfer was made, reasonable cause to believe that the insurer was insolvent or was about to become insolvent; or

(4) the creditor receiving it was an officer, or any employee or attorney or other person who was in fact in a position of comparable influence in the insurer to an officer whether or not he held such a position, or any shareholder holding directly or indirectly more than five percent (5%) of any class of any equity security issued by the insurer, or any other person, firm, limited liability company, corporation, association, or aggregation of persons with whom the insurer did not deal at arm's length.

(c) Where the preference is voidable, the liquidator may recover the property or, if it has been converted, its value from any person who has received or converted the property, except where a bona fide purchaser or lienor has given less than fair equivalent value, he shall have a lien upon the property to the extent of the consideration actually given by him. Where a preference by way of lien or security title is voidable, the court may on due notice order the lien or title to be preserved for the benefit of the estate, in which event the lien or title shall pass to the liquidator.

As added by Acts 1979, P.L.255, SEC.1. Amended by P.L.8-1993, SEC.433.
Ind. Code § 27-1-13-15 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-15
Property and casualty insurance blanket policies for planned unit development owners association or corporation
Status: in_force

Sec. 15. (a) As used in this section, "planned unit development" has the meaning set forth in IC 36-7-1-14.5.

(b) As used in this section, "property and casualty insurance" means one (1) or more of the types of insurance described in IC 27-1-5-1, Class 2 and Class 3.

(c) An insurance company may issue a blanket policy of property and casualty insurance to an association or a nonprofit corporation composed of the owners of the property within a planned unit development for the purpose of insuring:

(1) the association or nonprofit corporation;

(2) the owners of the property within the planned unit development;

(3) the executive body of the association or nonprofit corporation;

(4) the managing agent of the association or nonprofit corporation, if any;

(5) all persons who act as agents or employees of:

(A) the association or nonprofit corporation;

(B) the owners of the property;

(C) the executive body; or

(D) the managing agent;

with respect to the planned unit development; and

(6) all other persons entitled to occupy any unit or other portion of the planned unit development, including property owners;

against losses under this subsection, including loss or damage to property within the planned unit development and loss of use or occupancy.

(d) An association or a nonprofit corporation composed of the owners of all of the property within a planned unit development is authorized to purchase an insurance policy described in subsection (c).

As added by P.L.116-1994, SEC.29. Amended by P.L.1-2010, SEC.110.
Ind. Code § 27-8-3-16 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-16
Examination at request of corporation; certificate of results; expense
Status: in_force

Sec. 16. The insurance commissioner shall, at the request of any corporation, association, or society doing business under the provisions of this chapter in this state on the assessment plan, make an examination of such corporation, association, or society, and shall furnish a certificate of the results of such examination, showing all its assets and how invested, and such other particulars as may be deemed necessary to show the character and condition of said corporation, association, or society, and the necessary expense of said examination shall be paid by the corporation, association, or society requesting it.

Formerly: Acts 1897, c.195, s.16. As amended by P.L.252-1985, SEC.287.
Ind. Code § 27-8-4.9-3 — Indiana Code / Title 27 / Article 8 / Chapter 4.9 / Section 27-8-4.9-3
"Plan sponsor"
Status: in_force

Sec. 3. (a) As used in this chapter, "plan sponsor" means a person that establishes, adopts, or maintains a health benefit plan that covers individuals in Indiana.

(b) The term includes a health benefit plan established, adopted, or maintained:

(1) by an employer;

(2) jointly by an employer and one (1) or more employee organizations; or

(3) by an association, committee, joint board of trustees, or any similar group of representatives.

(c) The term does not include an entity regulated under this title.

As added by P.L.226-2023, SEC.23.
Ind. Code § 27-8-5-0.1 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-0.1
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 1 of this chapter by P.L.257-1985 apply to insurance policies issued after December 31, 1985.

(2) The amendments made to section 21 of this chapter by P.L.98-1990 apply to a policy issued for delivery in Indiana after June 30, 1990.

(3) The addition of section 23 of this chapter by P.L.152-1990 applies to a statute or rule mandating the offering of health care coverage enacted or adopted after December 31, 1990.

(4) The amendments made to section 23 of this chapter by P.L.119-1991 apply to an insurance policy that is issued or renewed after June 30, 1991.

(5) The addition of section 2.5 of this chapter by P.L.93-1995 applies to all individual accident and sickness policies issued or renewed after December 31, 1997.

(6) The addition of section 2.6 of this chapter (before its repeal) by P.L.93-1995 applies to all individual accident and sickness policies issued or renewed after December 31, 1995.

(7) The amendments made to sections 3 and 19 of this chapter by P.L.91-1998 apply to all accident and sickness policies in force on April 1, 1998.

(8) The amendments made to section 26 of this chapter by P.L.204-2003 apply to a policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2003.

(9) The amendments made to section 15.6 of this chapter by P.L.226-2003 apply to a policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2003.

(10) The amendments made to section 2.5 of this chapter by P.L.127-2006 apply to a certificate of coverage under a nonemployer based association group policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2006.

(11) The amendments made to section 16.5 of this chapter by P.L.127-2006 apply to a certificate of coverage under a nonemployer based association group policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2006.

(12) The amendments made to section 19 of this chapter by P.L.127-2006 apply to a certificate of coverage under a nonemployer based association group policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2006.

(13) The amendments made to section 3 of this chapter by P.L.98-2007 apply to a policy of accident and sickness insurance that is issued, delivered, amended, or renewed after December 31, 2007.

(14) The amendments made to section 2 of this chapter by P.L.218-2007 apply to a policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2007.

(15) The addition of section 28 of this chapter by P.L.218-2007 applies to a policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2007.

As added by P.L.220-2011, SEC.435.
Ind. Code § 27-2-28-3 — Indiana Code / Title 27 / Article 2 / Chapter 28 / Section 27-2-28-3
"Homeowner's policy"
Status: in_force

Sec. 3. (a) As used in this chapter, "homeowner's policy" means a policy that provides:

(1) coverage for:

(A) damage to or the destruction of:

(i) a structure; or

(ii) a unit within a structure;

that is used as a residence by one (1) or more individuals; and

(B) damage to or the loss of personal property that is present in the structure or unit described in clause (A);

caused by perils such as fire, hail, and lightning; and

(2) coverage against the civil liability of the policyholder arising from bodily injury or property damage incurred by others.

(b) The term includes a mobile homeowner's policy, manufactured homeowner's policy, condominium homeowner's policy, and renter's coverage.

(c) The term does not include farm policies, nonowner occupied dwellings, other residential policies that are not written on a homeowner's policy form or other landlord policies.

As added by P.L.226-2023, SEC.20. Amended by P.L.86-2026, SEC.6.
Ind. Code § 27-7-11-1 — Indiana Code / Title 27 / Article 7 / Chapter 11 / Section 27-7-11-1
"Drought insurance" defined
Status: in_force

Sec. 1. As used in this chapter, "drought insurance" means insurance that covers the loss of or damage to crops caused by an insufficient amount of rainfall.

As added by P.L.250-1989, SEC.1.
Ind. Code § 27-8-34-7 — Indiana Code / Title 27 / Article 8 / Chapter 34 / Section 27-8-34-7
Application limitations
Status: in_force

Sec. 7. This chapter does not do any of the following:

(1) Require a policy to provide coverage for a telehealth service that is not a covered health care service under the policy.

(2) Require the use of telehealth services when the treating provider has determined that telehealth services are inappropriate.

(3) Prevent the use of utilization review concerning coverage for telehealth services in the same manner as utilization review is used concerning coverage for the same health care services delivered to a covered individual in person.

As added by P.L.185-2015, SEC.25. Amended by P.L.85-2021, SEC.30.
Ind. Code § 27-8-3-11 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-11
Reserve emergency fund
Status: in_force

Sec. 11. Every such accident insurance corporation, association, or society shall accumulate and maintain a reserve emergency fund of at least two thousand dollars ($2,000). Such fund, if not already accumulated, shall be accumulated by every such corporation, association, or society existing on March 9, 1897, by September 9, 1897, and by every corporation, association, or society organized under this chapter within six (6) months of the completion of its organization and the receipt of its certificate of authority to transact business in this state, and every corporation, association, or society subject to the provisions of this chapter shall add to such emergency fund thereafter two and one-half percent (2 1/2%) of the amount realized from every premium, assessment, or periodical call until such fund shall be equal to the amount of two dollars ($2) for every five thousand dollars ($5,000) of insurance in force. Such emergency fund, or any part thereof, may be used for the payment of death and indemnity claims; provided, that if the amount of such fund be thereby reduced below the amount contemplated in this chapter, the amount by which such fund is reduced be made up and restored within six (6) months thereafter. Such fund may be held in cash or invested in the same class of securities required by law for the investment of funds by insurance corporations, and nothing contained in this chapter shall prevent the creation and accumulation of other funds in excess of the amount required in this chapter to provide for the purposes of such corporation, association, or society.

Formerly: Acts 1897, c.195, s.11. As amended by P.L.252-1985, SEC.283.
Ind. Code § 27-13-14-1 — Indiana Code / Title 27 / Article 13 / Chapter 14 / Section 27-13-14-1
Determination of liabilities
Status: in_force

Sec. 1. When determining its liabilities, a health maintenance organization shall include an amount estimated in the aggregate to provide:

(1) for any unearned premium;

(2) for the payment of all claims for health care expenditures, whether reported or unreported:

(A) that have been incurred;

(B) that are unpaid; and

(C) for which the organization is or may be liable; and

(3) for the expense of adjustment or settlement of claims described in subdivision (2).

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-29-3 — Indiana Code / Title 27 / Article 1 / Chapter 29 / Section 27-1-29-3
"Liability" defined
Status: in_force

Sec. 3. As used in this chapter, "liability" means an obligation arising from a claim for the payment of money in an amount established under IC 34-13-3 (or IC 34-4-16.5 before its repeal) or any other claim for which coverage is provided for members of the fund under rules adopted by the commission.

As added by P.L.162-1986, SEC.1. Amended by P.L.1-1998, SEC.141.
Ind. Code § 27-6-8-15 — Indiana Code / Title 27 / Article 6 / Chapter 8 / Section 27-6-8-15
Recoupment of assessments; tax credits
Status: in_force

Sec. 15. (a) Member insurers, which during any preceding calendar year shall have paid one (1) or more assessments levied pursuant to section 7 of this chapter, shall be allowed a credit against premium taxes, adjusted gross income taxes, or any combination thereof upon revenue or income of member insurers which may be imposed by the state, up to twenty percent (20%) of the assessment described in section 7 of this chapter for each calendar year following the year the assessment was paid until the aggregate of all assessments paid to the guaranty association shall have been offset by either credits against such taxes or refunds from the association. The provisions herein are applicable to all assessments levied after the passage of this article.

(b) To the extent a member insurer elects not to utilize the tax credits authorized by subsection (a), the member insurer may utilize the provisions of subsection (c) as a secondary method of recoupment.

(c) The rates and premiums charged for insurance policies to which this chapter applies shall include amounts sufficient to recoup a sum equal to the amounts paid to the association by the member insurer less any amounts returned to the member insurer by the association and the rates shall not be deemed excessive because they contain an amount reasonably calculated to recoup assessments paid by the member insurer.

Formerly: Acts 1971, P.L.390, SEC.1. As amended by Acts 1977, P.L.281, SEC.9; P.L.163-1986, SEC.1; P.L.192-2002(ss), SEC.167.
Ind. Code § 27-1-11-3 — Indiana Code / Title 27 / Article 1 / Chapter 11 / Section 27-1-11-3
Articles; submission to shareholders, members, or policyholders; vote required; eligibility to vote
Status: in_force

Sec. 3. (a) The resolution of the board of directors approving the articles of reorganization shall direct that the articles be submitted to a vote of the shareholders, members, or policyholders of such corporation entitled to vote in respect thereof, at a designated meeting thereof, which may be an annual meeting of shareholders, members, or policyholders or a special meeting of the shareholders, members, or policyholders, entitled to vote in respect thereof. If the designated meeting is an annual meeting, notice of the submission of the articles of reorganization shall be included in the notice of such annual meeting. If the designated meeting is a special meeting of the shareholders, members, or policyholders entitled to vote in respect thereof, such meeting shall be called by the resolution designating the meeting, and notice of such meeting shall be given at the time and in the manner as provided in IC 27-1-7-7.

(b) The articles of reorganization so approved shall be submitted to a vote of the shareholders, members, or policyholders entitled to vote in respect thereof at the meeting directed by the resolution of the board of directors approving the articles, and shall be adopted upon receiving the affirmative vote of the holders of two-thirds (2/3) of the outstanding shares entitled to vote in respect thereof, if a stock company, or not less than two-thirds (2/3) of the members or policyholders present and voting at such meeting, if other than a stock company. The shareholders, members, or policyholders of a corporation entitled to vote in respect of the organization of such corporation shall be the shareholders entitled to vote under IC 27-1-7-8 and the members or policyholders entitled to vote under IC 27-1-7-9.

Formerly: Acts 1935, c.162, s.141. As amended by P.L.252-1985, SEC.55.
Ind. Code § 27-1-30-5 — Indiana Code / Title 27 / Article 1 / Chapter 30 / Section 27-1-30-5
Issuance of group policies
Status: in_force

Sec. 5. An insurer authorized under IC 27-1-3-20 to transact business as a casualty insurance company may provide casualty and liability insurance to foster parents on a group basis. A policy may not be issued or renewed to provide group coverage under this chapter to a group that includes fewer than ten (10) members.

As added by P.L.270-1987, SEC.2.
Ind. Code § 27-15-7-1 — Indiana Code / Title 27 / Article 15 / Chapter 7 / Section 27-15-7-1
Applicability of chapter
Status: in_force

Sec. 1. Except as otherwise specifically provided in this chapter, IC 5-14 applies to all filings made under this article.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-2-28-10 — Indiana Code / Title 27 / Article 2 / Chapter 28 / Section 27-2-28-10
Requirements of chapter are in addition to other requirements
Status: in_force

Sec. 10. The requirements set forth in this chapter:

(1) do not replace; and

(2) are in addition to;

the requirements under IC 27-7-6 and IC 27-7-12.

As added by P.L.226-2023, SEC.20.
Ind. Code § 27-1-37.3-10 — Indiana Code / Title 27 / Article 1 / Chapter 37.3 / Section 27-1-37.3-10
Termination of third party rights
Status: in_force

Sec. 10. Subject to applicable continuity of care requirements, a third party's right to exercise a contractor's rights and responsibilities under a health care contract terminates on the date that the health care contract is terminated.

As added by P.L.55-2008, SEC.1.
Ind. Code § 27-1-37.4-3 — Indiana Code / Title 27 / Article 1 / Chapter 37.4 / Section 27-1-37.4-3
"Prior authorization"
Status: in_force

Sec. 3. As used in this chapter, "prior authorization" includes a health plan requirement that a prescription drug be authorized for payment by the health plan before the prescription drug is provided to a particular covered individual.

As added by P.L.45-2017, SEC.1.
Ind. Code § 27-9-3-5 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-5
Petition for liquidation; termination of rehabilitation
Status: in_force

Sec. 5. (a) Whenever the commissioner believes further attempts to rehabilitate an insurer would substantially increase the risk of loss to creditors, policyholders, or the public, or would be futile, the commissioner may petition the Marion County circuit court for an order of liquidation. A petition under this subsection has the same effect as a petition under section 6 of this chapter. The Marion County circuit court shall permit the directors of the insurer to take actions that are reasonably necessary to defend against the petition and may order payment from the estate of the insurer of such costs and other expenses of defense as justice may require.

(b) The rehabilitator may at any time petition the Marion County circuit court for an order terminating rehabilitation of an insurer. The Marion County circuit court shall also permit the directors of the insurer to petition the court for an order terminating rehabilitation of the insurer and may order payment from the estate of the insurer of such costs and other expenses of the petition as justice may require. If the Marion County circuit court finds that rehabilitation has been accomplished and that grounds for rehabilitation under section 1 of this chapter no longer exist, the court shall order that the insurer be restored to possession of its property and the control of its business. The Marion County circuit court may also make that finding and issue that order at any time upon its own motion.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-37.5-13 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-13
Unanticipated, medically necessary health care service
Status: in_force

Sec. 13. (a) This section applies to a claim filed after June 30, 2025, for a medically necessary health care service rendered by a health care provider, the necessity of which:

(1) is not anticipated at the time of scheduling another health care service that:

(A) was authorized by the utilization review entity; or

(B) is not subject to a prior authorization requirement; and

(2) is determined at the time the other health care service is rendered.

(b) A utilization review entity may not:

(1) require retrospective review of; or

(2) deny a claim based solely on lack of prior authorization for;

an unanticipated health care service described in subsection (a).

(c) A health care provider that renders an unanticipated health care service described in subsection (a) shall submit to the utilization review entity documentation explaining why the unanticipated health care service was medically necessary.

As added by P.L.77-2018, SEC.2. Amended by P.L.144-2025, SEC.22.
Ind. Code § 27-1-24.6-4 — Indiana Code / Title 27 / Article 1 / Chapter 24.6 / Section 27-1-24.6-4
"National average drug acquisition cost"
Status: in_force

Sec. 4. As used in this chapter, "national average drug acquisition cost" means the average price pharmacies pay for a prescription drug. The term does not include a dispensing fee or a professional fee.

As added by P.L.216-2025, SEC.41.
Ind. Code § 27-8-32.1-3 — Indiana Code / Title 27 / Article 8 / Chapter 32.1 / Section 27-8-32.1-3
"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.

As added by P.L.43-2015, SEC.2.
Ind. Code § 27-1-2.3-7 — Indiana Code / Title 27 / Article 1 / Chapter 2.3 / Section 27-1-2.3-7
"Person"
Status: in_force

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

As added by P.L.170-2022, SEC.36.
Ind. Code § 27-14.5-3-8 — Indiana Code / Title 27 / Article 14.5 / Chapter 3 / Section 27-14.5-3-8
Prohibitions concerning stock
Status: in_force

Sec. 8. A mutual insurance holding company and its subsidiaries and affiliates may not do any of the following:

(1) Lend funds to any person to finance the purchase of stock in a stock offering by a mutual insurance holding company or any of its subsidiaries.

(2) Pay commissions, "special fees", or other special or extraordinary compensation to officers, directors, interested persons, or affiliates for arranging, promoting, aiding, assisting, or participating in the structure or placement of a stock offering by the mutual insurance holding company or any of its subsidiaries, except to the extent permitted under section 5(5) of this chapter.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-8-6-7 — Indiana Code / Title 27 / Article 8 / Chapter 6 / Section 27-8-6-7
Coverage for substance abuse or chemical dependency treatment by addiction counselors, clinical addiction counselors, and marriage and family therapists
Status: in_force

Sec. 7. (a) As used in this section, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1.

(b) A policy of accident and sickness insurance that provides coverage for substance abuse or chemical dependency treatment shall provide the coverage for substance abuse or chemical dependency treatment that is:

(1) rendered by:

(A) an addiction counselor; or

(B) a clinical addiction counselor;

who is licensed under IC 25-23.6-10.5; and

(2) within the scope of practice of the addiction counselor or clinical addiction counselor.

(c) A policy of accident and sickness insurance that provides coverage for substance abuse or chemical dependency treatment shall provide the coverage for substance abuse or chemical dependency treatment that is rendered by a marriage and family therapist licensed under IC 25-23.6-8 if the rendered service is within the scope of practice of the marriage and family therapist.

(d) This section does not require a policy of accident and sickness insurance to provide coverage for substance abuse or chemical dependency treatment generally.

As added by P.L.195-2018, SEC.17.
Ind. Code § 27-7-1-12 — Indiana Code / Title 27 / Article 7 / Chapter 1 / Section 27-7-1-12
Taxation
Status: in_force

Sec. 12. In lieu of all other taxes, licenses and fees, state or local, such Lloyds shall pay annually, on account of the transaction of such business in this state, the same taxes, licenses and fees as are required to be paid by mutual companies with principal offices similarly located and transacting the same kind of business. In the application of the retaliatory law, the taxes and fees exacted by another state from a Lloyds insurance with principal offices in Indiana shall apply.

Formerly: Acts 1919, c.177, s.12.
Ind. Code § 27-1-7-23 — Indiana Code / Title 27 / Article 1 / Chapter 7 / Section 27-1-7-23
Annual or other required statements; material false statement
Status: in_force

Sec. 23. A director, officer, agent, or employee of any company who knowingly subscribes, makes, or concurs in making or publishing any annual or other statement required by law, containing any material statement which is false, commits a Class A misdemeanor.

Formerly: Acts 1935, c.162, s.100. As amended by Acts 1978, P.L.2, SEC.2708.
Ind. Code § 27-1-3.1-13 — Indiana Code / Title 27 / Article 1 / Chapter 3.1 / Section 27-1-3.1-13
Hearing
Status: reserved

Sec. 13. (a) The commissioner may not appoint an examiner as authorized representative to conduct a hearing. The hearing shall proceed expeditiously with discovery by the company limited to the examiner's workpapers which tend to substantiate any assertions set forth in any written submission or rebuttal. The commissioner or the commissioner's representative may issue subpoenas for the attendance of any witnesses or the production of any documents deemed relevant to the investigation whether under the control of the department, the company, or other persons. The documents produced shall be included in the record and testimony taken by the commissioner or the commissioner's representative shall be under oath and preserved for the record.

(b) This section does not require the department to disclose any information or records which would indicate or show the existence or content of any investigation or activity of a criminal justice agency.

(c) The hearing shall proceed with the commissioner or the commissioner's representative posing questions to the persons subpoenaed. Thereafter, the company and the department may present testimony relevant to the investigation. The commissioner, the department, and the company may cross-examine witnesses. The company and the department shall be permitted to make closing statements and may be represented by counsel of their choice.

As added by P.L.26-1991, SEC.5. Amended by P.L.130-1994, SEC.11; P.L.116-1994, SEC.15.
Ind. Code § 27-1-27-1 — Indiana Code / Title 27 / Article 1 / Chapter 27 / Section 27-1-27-1
Definitions
Status: in_force

Sec. 1. (a) The definitions set forth in this section apply throughout this chapter.

(b) "Contract" refers to a contract between a public adjuster and an insured under which:

(1) the public adjuster agrees to provide services for the insured in the adjustment of an insurance claim; and

(2) the insured agrees to compensate the public adjuster for those services.

(c) "Firm" includes any corporation, partnership, association, joint stock company, or individual.

(d) "Independent adjuster" has the meaning set forth in IC 27-1-28-6.

(e) "Insured" means a person covered by an insurance policy.

(f) "Person" means an individual, a corporation, a limited liability company, a partnership, or any other legal entity.

(g) "Public adjuster" includes the following:

(1) A person that, for compensation or reward, renders advice or assistance to an insured in the adjustment of a claim or claims for loss or damages under any policy of insurance covering real or personal property.

(2) A person that advertises, solicits business, or holds itself out to the public as an adjuster of claims described in subdivision (1).

(h) The term "public adjuster" does not include the following:

(1) An attorney at law admitted to practice in Indiana who adjusts insurance losses in the course of the practice of the attorney's profession.

(2) An officer, regular salaried employee, or other representative of:

(A) an insurer; or

(B) an attorney in fact of any reciprocal insurer or Lloyd's underwriter licensed to do business in Indiana;

who adjusts losses arising under an employer's or principal's own policies.

(3) An adjustment bureau or association owned and maintained by insurers to adjust or investigate losses of the insurers, or any regular salaried employee who devotes substantially all the employee's time to the business of an adjustment bureau or association described in this subdivision.

(4) Any of the following:

(A) A licensed insurance producer.

(B) An authorized insurer.

(C) An officer or employee of an authorized insurer who adjusts losses for the insurer.

(D) An insurance producer or representative of a farm mutual insurance company operating under IC 27-5.1.

(5) Any independent adjuster representing an insurer.

As added by P.L.257-1983, SEC.1. Amended by P.L.129-2003, SEC.6; P.L.178-2003, SEC.28; P.L.226-2023, SEC.3.
Ind. Code § 27-1-33-2 — Indiana Code / Title 27 / Article 1 / Chapter 33 / Section 27-1-33-2
Commissioner
Status: in_force

Sec. 2. As used in this chapter, "commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.

As added by P.L.1-1992, SEC.148.
Ind. Code § 27-11-6-4 — Indiana Code / Title 27 / Article 11 / Chapter 6 / Section 27-11-6-4
Issuance of certificate to owner of benefit contract
Status: in_force

Sec. 4. Every society authorized to do business in this state shall issue to each owner of a benefit contract a certificate specifying the amount of benefits provided. The certificate, together with any riders or endorsements attached to the certificate, the laws of the society, the application for membership, the application for insurance and declaration of insurability, if any, signed by the applicant, and all amendments to each constitutes the benefit contract as of the date of issuance between the society and the owner, and the certificate shall so state. A copy of the application for insurance and declaration of insurability, if any, shall be endorsed upon or attached to the certificate. All statements on the application shall be representations and not warranties. Any waiver of this provision shall be void.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-8-3-4 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-4
Determination of fee rates and amount of premiums, assessments, or periodical calls; risks
Status: in_force

Sec. 4. The trustees, directors, or managers, or the persons designated in the bylaws of the corporation, association, or society, subject to the provisions of this chapter, shall fix the fee rates and amounts of premiums, assessments, or periodical calls, and the time and manner of the payment thereof, and the risks to be assumed by such corporation, association, or society, and the duration thereof, and may change the same, from time to time, as the experience of the corporation, association, or society may require. An affidavit made by the person having charge of the mailing of notices of premiums, assessments, or periodical calls that any such notice was mailed to his last postoffice address, stating the date of mailing, shall be prima facie evidence thereof.

Formerly: Acts 1897, c.195, s.4. As amended by P.L.252-1985, SEC.278.
Ind. Code § 27-1-25.1-4 — Indiana Code / Title 27 / Article 1 / Chapter 25.1 / Section 27-1-25.1-4
Insurer responsibility for actions of affiliate
Status: in_force

Sec. 4. The insurer with which a person is affiliated is responsible for:

(1) the acts of the person; and

(2) providing the person's books and records to the commissioner.

As added by P.L.160-2003, SEC.22.
Ind. Code § 27-8-27-2 — Indiana Code / Title 27 / Article 8 / Chapter 27 / Section 27-8-27-2
"First steps child" defined
Status: in_force

Sec. 2. For purposes of this chapter, "first steps child" means an infant or toddler from birth through two (2) years of age who is enrolled in the Indiana first steps program and is an insured.

As added by P.L.121-1999, SEC.13.
Ind. Code § 27-8-5.7-4 — Indiana Code / Title 27 / Article 8 / Chapter 5.7 / Section 27-8-5.7-4
"Provider" defined
Status: in_force

Sec. 4. As used in this chapter, "provider" has the meaning set forth in IC 27-8-11-1.

As added by P.L.162-2001, SEC.5.
Ind. Code § 27-16-4-1 — Indiana Code / Title 27 / Article 16 / Chapter 4 / Section 27-16-4-1
Registration requirements
Status: in_force

Sec. 1. (a) A person shall not:

(1) provide professional employer services;

(2) advertise that the person:

(A) is a professional employer organization; or

(B) provides professional employer services; or

(3) otherwise hold the person out as a professional employer organization;

in Indiana unless the person is registered under this article.

(b) The registration requirement specified in subsection (a) applies to a person that performs any of the activities specified in subsection (a) regardless of the person's use of any of the following terms:

(1) Professional employer organization.

(2) PEO.

(3) Staff leasing company.

(4) Registered staff leasing company.

(5) Employee leasing company.

(6) Administrative employer.

(7) Any other name.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-8-5.7-10 — Indiana Code / Title 27 / Article 8 / Chapter 5.7 / Section 27-8-5.7-10
Limitations on recouping, auditing, and correcting payment errors
Status: in_force

Sec. 10. (a) An insurer may not, more than one hundred eighty (180) days after the date on which an overpayment on a provider claim was made to the provider by the insurer:

(1) request that the provider repay the overpayment; or

(2) adjust a subsequent claim filed by the provider as a method of obtaining reimbursement of the overpayment from the provider.

(b) An insurer may not recoup a paid claim more than one hundred eighty (180) days after the date on which the claim was initially paid.

(c) An insurer may not retroactively audit a paid claim more than three (3) years after the date on which the claim was initially paid.

(d) An insurer may not be required to correct a payment error to a provider if notice of the payment error is not provided within one hundred eighty (180) days after payment for a fully adjudicated claim is received.

(e) Subsections (a), (b), and (d) do not apply in cases of fraud by the provider, the insured, or the insurer with respect to the health benefits claim on which the overpayment or underpayment was made when a final determination of fraud has been made by a court.

(f) Notwithstanding subsections (a) through (d), an insurer and a hospital licensed under IC 16-21 may enter into a separate written agreement that provides for different time frames than those specified in this section.

As added by P.L.55-2006, SEC.1. Amended by P.L.88-2026, SEC.10.
Ind. Code § 27-8-18-6 — Indiana Code / Title 27 / Article 8 / Chapter 18 / Section 27-8-18-6
Reliance on good faith representations
Status: in_force

Sec. 6. A life insurance company is entitled to rely on the representations made in apparent good faith by the owner or putative owner of a life insurance policy for the purpose of inducing the life insurance company to accept an entity as the owner or beneficiary of the life insurance policy.

As added by P.L.129-1992, SEC.1.
Ind. Code § 27-13-10.1-3 — Indiana Code / Title 27 / Article 13 / Chapter 10.1 / Section 27-13-10.1-3
Cooperation with review organization; requirements of enrollee
Status: in_force

Sec. 3. (a) An enrollee who files an appeal under this chapter shall:

(1) not be subject to retaliation for exercising the enrollee's right to an appeal under this chapter;

(2) be permitted to utilize the assistance of other individuals, including physicians, attorneys, friends, and family members throughout the review process;

(3) be permitted to submit additional information relating to the proposed service throughout the review process; and

(4) cooperate with the independent review organization by:

(A) providing any requested medical information; or

(B) authorizing the release of necessary medical information.

(b) A health maintenance organization shall cooperate with an independent review organization selected under section 2 of this chapter by promptly providing any information requested by the independent review organization.

As added by P.L.133-1999, SEC.7.
Ind. Code § 27-1-6.5-2 — Indiana Code / Title 27 / Article 1 / Chapter 6.5 / Section 27-1-6.5-2
Domestic insurers; transfer of domicile to another state; approval
Status: in_force

Sec. 2. Any domestic insurance company may, upon the approval of the commissioner, transfer its domicile from this state to any other state in which it is admitted to transact business. The commissioner shall approve the proposed transfer of domicile, unless he determines that the transfer is contrary to the best interests of the company's policyholders. If the commissioner does not approve the transfer, he shall give the company written notice of the refusal and the reasons for it within thirty (30) days after the date the request for transfer was made. If the request for transfer is granted, and the company is otherwise qualified, it may operate in this state as a foreign insurer without interruption in licensing.

As added by Acts 1980, P.L.170, SEC.1.
Ind. Code § 27-7-18.7-3 — Indiana Code / Title 27 / Article 7 / Chapter 18.7 / Section 27-7-18.7-3
"Co-owner"
Status: in_force

Sec. 3. As used in this chapter, "co-owner" has the meaning set forth in IC 32-25-2-11.

As added by P.L.86-2026, SEC.25.
Ind. Code § 27-8-15-21 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-21
Renewal cessation; prohibitions
Status: in_force

Sec. 21. (a) An insurer who ceases to renew all small employer plans may not do the following:

(1) Accept any new small employer business for five (5) years after the notice of nonrenewal of the plans.

(2) Transfer or otherwise provide coverage to any of the employers from the nonrenewed class of business unless the insurer offers to transfer or provide coverage to all affected employers and eligible employees and dependents without regard to case characteristics, claim experience, health status, or duration of coverage.

(b) The commissioner may suspend the penalty under subsection (a)(1) upon a finding by the commissioner that the suspension would enhance the efficiency and fairness of the marketplace for small employer health insurance.

As added by P.L.127-1992, SEC.1.
Ind. Code § 27-9-3-36 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-36
Claims by insured or by third party
Status: in_force

Sec. 36. (a) Whenever a third party asserts a cause of action against an insured of an insurer in liquidation, the third party may file a claim with the liquidator.

(b) Whether or not the third party files a claim, the insured may file a claim on his own behalf in the liquidation. If the insured fails to file a claim by the date for filing claims specified in the order of liquidation, or within sixty (60) days after mailing of the notice required by section 10 of this chapter, whichever is later, the insured is an unexcused late filer.

(c) The liquidator shall make his recommendations to the Marion County circuit court under section 40 of this chapter, for the allowance of an insured's claim under subsection (b), after consideration of:

(1) the probable outcome of any pending action against the insured on which the claim is based;

(2) the probable damages recoverable in the action; and

(3) the probable costs and expenses of defense.

(d) After allowance by the court, the liquidator shall withhold any dividends payable on the claim, pending the outcome of litigation and negotiation with the insured. Whenever it seems appropriate, the liquidator shall reconsider the claim on the basis of additional information and amend his recommendations to the Marion County circuit court. The insured shall be afforded the same notice and opportunity to be heard on all changes in the recommendation as in its initial determination. The Marion County circuit court may amend its allowance as it thinks appropriate.

(e) As claims against the insured are settled or barred, the insured shall be paid from the amount withheld the same percentage dividend as was paid on other claims of like property, based on the lesser of:

(1) the amount actually recovered from the insured by action or paid by agreement, plus the reasonable costs and expenses of defense; or

(2) the amount allowed on the claims by the court.

(f) After all claims are settled or barred, any sum remaining from the amount withheld shall revert to the undistributed assets of the insurer. Delay in final payment under this subsection is not a ground for unreasonable delay of final distribution and discharge of the liquidator.

(g) If several claims founded upon one (1) policy are filed, whether by third parties or as claims by the insured under this section, and the aggregate allowed amount of the claims to which the same limit of liability in the policy is applicable exceeds that limit, each claim as allowed shall be reduced in the same proportion so that the total equals the policy limit. Claims by the insured shall be evaluated as required in subsections (c) through (f). If any insured's claim is subsequently reduced under subsections (c) through (f) the amount freed shall be apportioned ratably among the claims that have been reduced under this subsection.

(h) A claim may not be presented under this section if it is or may be covered by any guaranty association or foreign guaranty association.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-12.8-40 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-40
Conflict of laws; application of chapter
Status: in_force

Sec. 40. (a) If a provision of law is inconsistent with this chapter, this chapter prevails.

(b) Except as otherwise provided in this chapter, this chapter applies to valuations performed after June 30, 2013.

(c) Except as otherwise provided in this chapter, IC 27-1-12-9 and IC 27-1-12-10 (before their repeal) apply to valuations performed before July 1, 2013.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-2-21-7 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-7
"Credit information"
Status: in_force

Sec. 7. As used in this chapter, "credit information" means credit related information:

(1) derived from a credit report;

(2) found on a credit report; or

(3) provided on an application for a personal insurance policy.

The term does not include information that is not credit related, regardless of whether the information is contained in a credit report or in an application or is used to calculate an insurance score.

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-1-6-11 — Indiana Code / Title 27 / Article 1 / Chapter 6 / Section 27-1-6-11
Articles of incorporation; filing certified copy with department; surety bond; permit for completion of organization; procedure
Status: in_force

Sec. 11. (a) When the articles of incorporation are returned to the incorporators or their representatives bearing the endorsement of the approval of the secretary of state, as provided in section 10 of this chapter, the incorporators or their representatives shall obtain a certified copy of the articles of incorporation from the secretary of state and file such certified copy with the department.

(b) The incorporators shall also file with the department a surety bond payable to the state of Indiana in the sum of ten thousand dollars ($10,000), with surety to be approved by the commissioner or collateral in the sum of ten thousand dollars ($10,000), as approved by the commissioner, and conditioned upon the faithful accounting to the department on completion of organization and receipt of its certificate of authority from the department, or to its shareholders, members, applicants for policies and creditors, or the trustee, receiver, or assignee of the proposed company duly appointed in any proceedings in any court of competent jurisdiction in the state in accordance with their respective rights in case the organization of the proposed company should not be completed and a certificate of authority should not be procured from the department.

(c) Whenever the incorporators have filed their certified copy of the articles of incorporation and bond as provided in this section, then the department may issue a permit for completion of organization. The company shall have authority under such permit to solicit subscriptions and payments for capital stock, if a stock company, and applications and advance premiums for insurance, if a mutual company, and to exercise such powers, subject to the limitations in this article prescribed, as may be necessary and proper in completing its organization and qualifying itself for a certificate of authority from the department to make the kind or kinds of insurance proposed in its articles of incorporation, provided that such company shall not issue policies or enter into contracts of insurance until it shall have received the certificate of the department authorizing it so to do.

Formerly: Acts 1935, c.162, s.71. As amended by P.L.252-1985, SEC.21.
Ind. Code § 27-1-37.1-10 — Indiana Code / Title 27 / Article 1 / Chapter 37.1 / Section 27-1-37.1-10
Contrary contract provisions void
Status: in_force

Sec. 10. Except as provided in section 7(2) of this chapter, a health provider contract provision that is contrary to this chapter is void.

As added by P.L.196-2001, SEC.1.
Ind. Code § 27-9-4-8 — Indiana Code / Title 27 / Article 9 / Chapter 4 / Section 27-9-4-8
Attachment, garnishment, or levy of execution
Status: in_force

Sec. 8. During the pendency in this or any other state of a liquidation proceeding, whether called by that name or not, no action or proceeding in the nature of an attachment, garnishment, or levy of execution shall be commenced or maintained in Indiana against the delinquent insurer or its assets.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-13-43-5 — Indiana Code / Title 27 / Article 13 / Chapter 43 / Section 27-13-43-5
Provisional credentialing for physicians; conditions
Status: in_force

Sec. 5. (a) As used in this section, "physician" refers to an individual who:

(1) is licensed under IC 25-22.5;

(2) has been granted reciprocity by the medical licensing board of Indiana under IC 25-1-21 before July 1, 2026; or

(3) is licensed in a state that has enacted the interstate medical licensure compact.

(b) If a physician who is fully credentialed by a health maintenance organization:

(1) leaves the employment of an employer and becomes employed with another employer in Indiana; or

(2) establishes or relocates a medical practice in Indiana;

the health maintenance organization shall provisionally credential the physician for the time frame set forth in subsection (c).

(c) A physician under subsection (b) must be provisionally credentialed:

(1) for sixty (60) days after the physician's separation from employment or the establishment or relocation of the medical practice; or

(2) until the physician is fully credentialed by the health maintenance organization;

whichever is earlier.

(d) Notwithstanding section 2(j) of this chapter, a health maintenance organization shall reimburse a physician who is provisionally credentialed under this section for services rendered while the physician was provisionally credentialed at the rates determined by:

(1) the agreement between the physician's new employer and the health maintenance organization relating to terms and conditions of reimbursement; or

(2) if:

(A) the physician's new employer has not entered into an agreement with the health maintenance organization relating to the terms and conditions of reimbursement; or

(B) the physician established or relocated a medical practice;

the agreement between the physician and the health maintenance organization relating to terms and conditions of reimbursement that was in effect at the time of the physician's separation from employment or the establishment or relocation of the medical practice.

As added by P.L.215-2025, SEC.66.
Ind. Code § 27-1-24.6-6 — Indiana Code / Title 27 / Article 1 / Chapter 24.6 / Section 27-1-24.6-6
Provision of amount of the national average drug acquisition cost to plan sponsor
Status: in_force

Sec. 6. A health plan must provide the amount of the national average drug acquisition cost for a generic drug to the plan sponsor.

As added by P.L.216-2025, SEC.41.
Ind. Code § 27-8-12-9 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-9
Termination of policy on grounds of age or deteriorated health
Status: in_force

Sec. 9. An insurer that issues a long term care insurance policy may not cancel, decline to renew, or otherwise terminate the policy solely on the grounds of the age or deterioration in mental or physical health of the insured individual or certificate holder.

As added by P.L.275-1987, SEC.1.
Ind. Code § 27-1-12.7-6 — Indiana Code / Title 27 / Article 1 / Chapter 12.7 / Section 27-1-12.7-6
Funding agreements interpretation
Status: in_force

Sec. 6. The issuance of a funding agreement:

(1) constitutes an activity necessary, convenient, or expedient to the business of a life insurance company under IC 27-1-7-2;

(2) is not insurance under IC 27-1-5-1;

(3) is not a security (as defined in IC 23-19-1-2(28)); and

(4) does not constitute gross premium for taxation purposes under IC 27-1-18-2.

As added by P.L.178-2003, SEC.18. Amended by P.L.27-2007, SEC.25.
Ind. Code § 27-8-29-23 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-23
Medicare
Status: in_force

Sec. 23. If a covered individual has the right to an external review of a grievance under Medicare, the covered individual may not request an external review of the same grievance under this chapter.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14.
Ind. Code § 27-8-14.8-3 — Indiana Code / Title 27 / Article 8 / Chapter 14.8 / Section 27-8-14.8-3
Coverage for colorectal cancer screening; exception for grandfathered health plans
Status: in_force

Sec. 3. (a) As used in this section, "follow-up colonoscopy" means a colonoscopy that is performed as a follow-up to a colorectal cancer screening test, other than a colonoscopy, that is assigned a grade of "A" or "B" by the United States Preventive Services Task Force and for which the result was positive.

(b) Except as provided in subsection (e), an insurer shall provide coverage for colorectal cancer examinations and laboratory tests for cancer for any nonsymptomatic insured in any accident and sickness insurance policy that the insurer issues in Indiana or issues for delivery in Indiana. Except as provided in subsection (f), covered services must include:

(1) a colorectal cancer screening test assigned either an "A" or "B" grade by the United States Preventive Services Task Force; and

(2) a follow-up colonoscopy.

(c) For an insured who is:

(1) at least forty-five (45) years of age; or

(2) less than forty-five (45) years of age and at high risk for colorectal cancer;

the coverage required under this section must meet the requirements set forth in subsection (d), except as provided in subsection (f).

(d) An insured may not be required to pay an additional annual deductible or coinsurance for the colorectal cancer examination and laboratory testing benefit required by this section that is greater than an annual deductible or coinsurance established for similar benefits under the accident and sickness insurance policy under which the insured is covered. If the accident and sickness insurance policy does not cover a similar benefit, a deductible or coinsurance for the colorectal cancer examination and laboratory testing benefit may not be set at a level that materially diminishes the value of the colorectal cancer examination and laboratory testing benefit.

(e) In the case of an accident and sickness insurance policy that is not employer based, the insurer shall offer to provide the coverage described in this section.

(f) The requirements imposed under subsection (b)(2) do not apply to grandfathered health plans as defined in 45 CFR 147.140.

As added by P.L.54-2000, SEC.2. Amended by P.L.124-2018, SEC.82; P.L.36-2020, SEC.2; P.L.165-2022, SEC.12.
Ind. Code § 27-8-11-10 — Indiana Code / Title 27 / Article 8 / Chapter 11 / Section 27-8-11-10
Coverage for dialysis treatment
Status: in_force

Sec. 10. (a) As used in this section, "dialysis facility" means an outpatient facility in Indiana at which a dialysis treatment provider provides dialysis treatment.

(b) As used in this section, "contracted dialysis facility" means a dialysis facility that has entered into an agreement with a particular insurer under section 3 of this chapter.

(c) Notwithstanding section 1 of this chapter, as used in this section, "insured" refers only to an insured who requires dialysis treatment.

(d) As used in this section, "insurer" includes the following:

(1) An administrator licensed under IC 27-1-25.

(2) An agent of an insurer.

(e) As used in this section, "non-contracted dialysis facility" means a dialysis facility that has not entered into an agreement with a particular insurer under section 3 of this chapter.

(f) An insurer shall not require an insured, as a condition of coverage or reimbursement, to:

(1) if the nearest dialysis facility is located within thirty (30) miles of the insured's home, travel more than thirty (30) miles from the insured's home to obtain dialysis treatment; or

(2) if the nearest dialysis facility is located more than thirty (30) miles from the insured's home, travel a greater distance than the distance to the nearest dialysis facility to obtain dialysis treatment;

regardless of whether the insured chooses to receive dialysis treatment at a contracted dialysis facility or a non-contracted dialysis facility.

As added by P.L.111-2008, SEC.4.
Ind. Code § 27-1-36-56 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-56
Excess capital
Status: in_force

Sec. 56. (a) An excess of capital over the amount produced by the:

(1) risk based capital requirements contained in this chapter; and

(2) formulas, schedules, and instructions referred to in this chapter;

is desirable in the business of insurance. Therefore, insurers should seek to maintain capital above the RBC levels required by this chapter.

(b) Additional capital is used and useful in the insurance business and helps to secure an insurer against various risks that are:

(1) inherent in or affecting the business of insurance; and

(2) not accounted for or only partially measured by the risk based capital requirements contained in this chapter.

As added by P.L.186-1996, SEC.1.