Ind. Code § 27-1-12.1-8 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-8
Certificate of authority; conditions; production and disclosures to commissioner
Status: in_force

Sec. 8. (a) The commissioner may issue a certificate of authority to a limited purpose subsidiary upon a finding by the commissioner of all of the following:

(1) That the proposed plan of operation provides for a viable operation of the limited purpose subsidiary.

(2) That the terms of all proposed reinsurance contracts and related transactions of the limited purpose subsidiary comply with this chapter and any other applicable insurance laws.

(3) That the proposed plan of operation is not hazardous to any ceding insurer.

(b) The commissioner may, in conjunction with the issuance of a certificate of authority to a limited purpose subsidiary, issue an order containing any terms or conditions applying to the limited purpose subsidiary's authority to engage in the business of reinsurance, including terms or conditions concerning the organization, licensing, or operation of the limited purpose subsidiary, consistent with this chapter and determined necessary by the commissioner.

(c) A limited purpose subsidiary shall produce or disclose its plan of operation, amendments, and records, books, documents, reports, and other information that the commissioner requires the limited purpose subsidiary to produce or disclose under:

(1) this chapter;

(2) rules adopted under section 15 of this chapter; or

(3) an order under IC 27-1-3.1.

(d) The commissioner has the powers enumerated in IC 27-1-3.1 with respect to a limited purpose subsidiary.

As added by P.L.11-2011, SEC.7.
Ind. Code § 27-7-3-15.5 — Indiana Code / Title 27 / Article 7 / Chapter 3 / Section 27-7-3-15.5
Repealed
Status: repealed

As added by P.L.145-2008, SEC.31. Amended by P.L.105-2009, SEC.16; P.L.35-2010, SEC.96; P.L.226-2011, SEC.22; P.L.127-2012, SEC.47; P.L.116-2015, SEC.21; P.L.72-2016, SEC.17; P.L.124-2018, SEC.72; P.L.175-2019, SEC.8; P.L.93-2024, SEC.197. Repealed by P.L.236-2025, SEC.9.
Ind. Code § 27-14.5-6-1 — Indiana Code / Title 27 / Article 14.5 / Chapter 6 / Section 27-14.5-6-1
This article supplemental to the Indiana Insurance Law (IC 27-1-2 through IC 27-1-20)
Status: in_force

Sec. 1. (a) This article, while independent of any other law, is supplemental to IC 27-1-2 through IC 27-1-20.

(b) All provisions of IC 27-1-2 through IC 27-1-20 are fully and completely applicable to this article in the same manner as if the provisions of this article had been an original part of IC 27-1-2 through IC 27-1-20. If any conflict exists between this article and IC 27-1-2 through IC 27-1-20, this article is controlling.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-3.1-14 — Indiana Code / Title 27 / Article 1 / Chapter 3.1 / Section 27-1-3.1-14
Confidentiality of report; public inspection; disclosures
Status: in_force

Sec. 14. (a) Upon the adoption of an examination report under section 11(a)(1) of this chapter, the commissioner shall continue to hold the content of the examination report as confidential information for a period of thirty (30) days except to the extent provided in section 10(b) of this chapter. Thereafter, the report shall be open for public inspection.

(b) This chapter does not prevent or prohibit the commissioner from disclosing the content of an examination report, preliminary examination report, or results, or any matter relating thereto, to the National Association of Insurance Commissioners, the insurance department of any other state or country, or to law enforcement officials of Indiana or any other state or agency of the federal government at any time, if the agency or office receiving the report or matters relating thereto agrees in writing to hold it confidential and in a manner consistent with this chapter.

(c) If the commissioner determines that regulatory action is appropriate as a result of any examination, the commissioner may initiate any proceedings or actions authorized by law.

(d) This chapter does not limit the commissioner's authority to use and, if appropriate, to make public any final or preliminary examination report, any examiner or company work papers or other documents, or any other information discovered or developed during the course of any examination in the furtherance of any legal or regulatory action that the commissioner may, in the commissioner's sole discretion, consider appropriate.

As added by P.L.26-1991, SEC.5. Amended by P.L.130-1994, SEC.12; P.L.116-1994, SEC.16; P.L.11-2011, SEC.4.
Ind. Code § 27-17-1-10 — Indiana Code / Title 27 / Article 17 / Chapter 1 / Section 27-17-1-10
"Program provider"
Status: in_force

Sec. 10. "Program provider" means a provider that has, individually or through a provider network, entered into a provider agreement with a discount medical card program organization.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-42-11 — Indiana Code / Title 27 / Article 1 / Chapter 42 / Section 27-1-42-11
Preparation of certificate of insurance
Status: in_force

Sec. 11. A person may not prepare or issue, or request or require the issuance of, a certificate of insurance that:

(1) contains false or misleading information concerning; or

(2) alters, amends, or extends the coverage provided by;

the policy of property or casualty insurance to which the certificate of insurance refers.

As added by P.L.70-2013, SEC.1.
Ind. Code § 27-1-15.9-4 — Indiana Code / Title 27 / Article 1 / Chapter 15.9 / Section 27-1-15.9-4
"Location"
Status: in_force

Sec. 4. As used in this chapter, "location" means:

(1) a geographic site in Indiana; or

(2) an Internet web site, a call center site, or a similar site;

that is intended to be used by Indiana residents to engage in portable electronics transactions.

As added by P.L.4-2012, SEC.3.
Ind. Code § 27-1-44.5-1 — Indiana Code / Title 27 / Article 1 / Chapter 44.5 / Section 27-1-44.5-1
"Data base"
Status: in_force

Sec. 1. As used in this chapter, "data base" refers to the all payer claims data base created under this chapter.

As added by P.L.50-2020, SEC.6.
Ind. Code § 27-2-15-8 — Indiana Code / Title 27 / Article 2 / Chapter 15 / Section 27-2-15-8
Satisfaction of contractual liability
Status: in_force

Sec. 8. Insurance proceeds set aside in an escrow account under section 5 of this chapter shall be considered as having been paid to the insured in satisfaction of any contractual liability under the policy.

As added by P.L.247-1989, SEC.2.
Ind. Code § 27-2-7-3 — Indiana Code / Title 27 / Article 2 / Chapter 7 / Section 27-2-7-3
Application of act
Status: in_force

Sec. 3. This chapter shall be applicable to acts done and payments made on and after March 3, 1945; provided, however, that nothing contained in this chapter shall be construed as directly or indirectly limiting, minimizing, or interpreting the rights and powers and duties of insurers and their officers, directors, and trustees, existing before March 3, 1945, except as specifically exempted by this chapter.

Formerly: Acts 1945, c.123, s.3. As amended by P.L.252-1985, SEC.128.
Ind. Code § 27-1-12-27 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-27
Repealed
Status: repealed

Formerly: Acts 1935, c.162, s.166; Acts 1943, c.311, s.1; Acts 1945, c.59, s.1; Acts 1953, c.228, s.1; Acts 1957, c.54, s.1; Acts 1969, c.327, s.1; Acts 1974, P.L.122, SEC.1. Repealed by P.L.254-1985, SEC.7.
Ind. Code § 27-1-2.3-0.5 — Indiana Code / Title 27 / Article 1 / Chapter 2.3 / Section 27-1-2.3-0.5
Application
Status: in_force

Sec. 0.5. This chapter does not apply to the following:

(1) The Medicaid program.

(2) Ambulance services owned or operated by a health system (as defined in IC 16-18-2-168.5) that bill for ambulance services under the health system.

As added by P.L.163-2024, SEC.4.
Ind. Code § 27-8-13-10 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-10
Medicare supplement policy and certificate standards; conformity with federal law and regulations
Status: in_force

Sec. 10. (a) The commissioner shall adopt rules under IC 4-22-2 to establish minimum standards for:

(1) claims payment;

(2) marketing practices;

(3) compensation arrangements; and

(4) reporting practices;

for Medicare supplement policies and certificates.

(b) The commissioner may adopt rules under IC 4-22-2 that are necessary to conform Medicare supplement policies and certificates to the requirements of federal law and federal regulations. A rule adopted under this subsection may do the following:

(1) Require refunds or credits if the policies or certificates do not meet loss ratio requirements.

(2) Establish a uniform methodology for calculating and reporting loss ratios.

(3) Assure public access to policies, premiums, and loss ratio information of issuers of Medicare supplement insurance.

(4) Establish a process for approving or disapproving policy forms and certificate forms and proposed premium increases.

(5) Establish a policy for holding public hearings before approval of premium increases.

(6) Establish standards for Medicare Select policies and certificates.

As added by P.L.255-1989, SEC.7. Amended by P.L.149-1990, SEC.5; P.L.195-1991, SEC.1; P.L.126-1992, SEC.8.
Ind. Code § 27-1-36-9.8 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-9.8
"Limited service health maintenance organization"
Status: in_force

Sec. 9.8. As used in this chapter, "limited service health maintenance organization" has the meaning set forth in IC 27-13-34-4.

As added by P.L.51-2002, SEC.6.
Ind. Code § 27-13-26-4 — Indiana Code / Title 27 / Article 13 / Chapter 26 / Section 27-13-26-4
Remedies and measures
Status: in_force

Sec. 4. The remedies and measures available to the commissioner under this chapter are in addition to and not in place of the remedies and measures available to the commissioner under IC 27-9.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-49-7 — Indiana Code / Title 27 / Article 1 / Chapter 49 / Section 27-1-49-7
Defined cost sharing for prescription drugs
Status: in_force

Sec. 7. A covered individual's defined cost sharing for a prescription drug must be:

(1) calculated at the point of sale; and

(2) based on a price that is reduced by an amount equal to at least eighty-five percent (85%) of all rebates in connection with the dispensing or administration of the prescription drug.

As added by P.L.166-2023, SEC.2.
Ind. Code § 27-1-1.5-18 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-18
"Healthcare Common Procedure Coding System"; "HCPCS"
Status: in_force

Sec. 18. "Healthcare Common Procedure Coding System" or "HCPCS" refers to the version of the Healthcare Common Procedure Coding System:

(1) the use of which is required by the federal Health Insurance Portability and Accountability Act of 1996 (42 U.S.C. 1301 et seq.); and

(2) that is in effect on January 1, 2018.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-1-12-45 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-45
Execution of POST form does not affect life insurance; prohibition on consideration of POST form in determining life insurance premiums
Status: in_force

Sec. 45. (a) The execution of a POST form under IC 16-36-6 does not affect the sale, issuance, or terms of a policy of life insurance.

(b) A policy of life insurance is not legally impaired or invalidated by the execution of a POST form, including the withholding or withdrawal of life prolonging procedures from an insured under the medical orders included in the POST form.

(c) A POST form may not be considered in the establishment of insurance premiums for an individual.

(d) A person may not require an individual to complete a POST form as a condition for being insured for health care services.

As added by P.L.164-2013, SEC.9.
Ind. Code § 27-1-36-42.1 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-42.1
Action by commissioner after mandatory control level event with respect to health maintenance organization or limited service health maintenance organization
Status: in_force

Sec. 42.1. (a) If a mandatory control level event occurs with respect to a health maintenance organization or a limited service health maintenance organization, the commissioner shall take the action necessary to place the health maintenance organization or limited service health maintenance organization under regulatory control under IC 27-13.

(b) A mandatory control level event is sufficient grounds for the commissioner to take action against a health maintenance organization or a limited service health maintenance organization under IC 27-13 and the commissioner has the rights, powers, and duties with respect to the health maintenance organization or limited service health maintenance organization that are set forth in IC 27-13.

(c) If the commissioner takes action against a health maintenance organization or a limited service health maintenance organization under an adjusted RBC report, the health maintenance organization or limited service health maintenance organization is entitled to the protections under IC 27-9-2 pertaining to summary proceedings.

(d) The commissioner may forego action under subsections (a) through (c) for not more than ninety (90) days after the mandatory control level event if the commissioner finds that there is a reasonable expectation that the mandatory control level event may be eliminated within the ninety (90) day period.

As added by P.L.51-2002, SEC.9.
Ind. Code § 27-1-15.6-13 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-13
No consideration given to unlicensed sellers
Status: in_force

Sec. 13. (a) An insurance company or insurance producer shall not pay a commission, service fee, brokerage fee, or other valuable consideration to a person for selling, soliciting, or negotiating insurance in Indiana if the person is required to be licensed under this chapter and is not licensed.

(b) A person shall not accept a commission, service fee, brokerage fee, or other valuable consideration for selling, soliciting, or negotiating insurance in Indiana if the person is required to be licensed under this chapter and is not licensed.

(c) Renewal commissions or other deferred commissions may be paid to a person for selling, soliciting, or negotiating insurance in Indiana if the person was required to be licensed under this chapter and was licensed at the time of the sale, solicitation, or negotiation.

(d) An insurer or insurance producer may pay or assign commissions, service fees, brokerage fees, or other valuable consideration to an insurance agency or to a person who does not sell, solicit, or negotiate insurance in Indiana, unless the payment would violate IC 27-1-20-30.

As added by P.L.132-2001, SEC.3.
Ind. Code § 27-1-52-10 — Indiana Code / Title 27 / Article 1 / Chapter 52 / Section 27-1-52-10
Prohibition on downcoding based on reported diagnosis code
Status: in_force

Sec. 10. An insurer may not downcode a claim based solely on the reported diagnosis code.

As added by P.L.88-2026, SEC.6.
Ind. Code § 27-13-43-3.5 — Indiana Code / Title 27 / Article 13 / Chapter 43 / Section 27-13-43-3.5
Provisional credentialing for independent primary care practice physicians; criteria
Status: in_force

Sec. 3.5. (a) A physician licensed under IC 25-22.5 who was credentialed with a health maintenance organization to provide services within the previous twelve (12) months shall be considered provisionally credentialed if the physician:

(1) is in good standing with the health maintenance organization; and

(2) establishes or joins an independent primary care practice.

(b) The health maintenance organization shall complete the credentialing process for an individual who is provisionally credentialed under subsection (a).

As added by P.L.203-2023, SEC.24.
Ind. Code § 27-7-10-33 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-33
Injunctions
Status: in_force

Sec. 33. An order issued by any district court of the United States enjoining a risk retention group from soliciting or selling insurance, or operating in any state (or in all states, or in any territory or possession of the United States), upon a finding that the risk retention group is in hazardous financial or financially impaired condition is enforceable in the courts of this state.

As added by P.L.162-1988, SEC.2.
Ind. Code § 27-8-32.1-1 — Indiana Code / Title 27 / Article 8 / Chapter 32.1 / Section 27-8-32.1-1
Application
Status: in_force

Sec. 1. This chapter applies to a policy of accident and sickness insurance that provides coverage for prescription eye drops.

As added by P.L.43-2015, SEC.2.
Ind. Code § 27-9-3-23 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-23
Discharge of surety under releasing bond
Status: in_force

Sec. 23. The liability of a surety under a releasing bond or other like obligation shall be discharged to the extent of the value of the indemnifying property recovered or the indemnifying lien nullified and avoided by the liquidator, or where the property is retained under section 22 of this chapter to the extent of the amount paid to the liquidator.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-12.1-3 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-3
Organizing domestic life insurance company
Status: in_force

Sec. 3. As used in this chapter, "organizing domestic life insurance company" refers to a life insurance company that organizes a limited purpose subsidiary under this chapter.

As added by P.L.11-2011, SEC.7.
Ind. Code § 27-1-35-13 — Indiana Code / Title 27 / Article 1 / Chapter 35 / Section 27-1-35-13
Opinions of independent casualty actuaries or independent loss reserve specialists
Status: in_force

Sec. 13. In addition to any other required loss reserve certification, the controlled insurer shall annually, on April 1 of each year, file with the commissioner an opinion of an independent casualty actuary or such other independent loss reserve specialist acceptable to the commissioner reporting loss ratios for each line of business written and attesting to the adequacy of loss reserves established for losses incurred and outstanding as of year end (including incurred but not reported) on business placed by the producer.

As added by P.L.130-1994, SEC.36 and P.L.116-1994, SEC.47.
Ind. Code § 27-1-49-9 — Indiana Code / Title 27 / Article 1 / Chapter 49 / Section 27-1-49-9
Enforcement of chapter; violations
Status: in_force

Sec. 9. (a) The department may enforce the requirements of this chapter to the extent permissible under applicable law.

(b) A violation of this chapter is an unfair or deceptive act or practice in the business of insurance under IC 27-4-1-4.

(c) The department may adopt rules under IC 4-22-2 to set forth fines for violations of this chapter.

As added by P.L.166-2023, SEC.2. Amended by P.L.158-2024, SEC.14.
Ind. Code § 27-14.5-6-3 — Indiana Code / Title 27 / Article 14.5 / Chapter 6 / Section 27-14.5-6-3
Deadline for commencement of action
Status: in_force

Sec. 3. Any action:

(1) challenging the validity of; or

(2) arising out of;

an action that is taken or proposed to be taken under this article must commence not later than thirty (30) days after the approval by the commissioner of the plan under which or in respect of which the action is taken or proposed to be taken.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-12.7-10 — Indiana Code / Title 27 / Article 1 / Chapter 12.7 / Section 27-1-12.7-10
Regulation; funding agreement not a covered policy; claim for payments; assets in segregated asset account
Status: in_force

Sec. 10. Notwithstanding any other provision of law:

(1) the commissioner has the sole authority to regulate the issuance and sale of funding agreements;

(2) a funding agreement is not considered a covered policy under IC 27-8-8-2.3(d);

(3) a claim for payments under a funding agreement must be treated as a loss claim described in Class 2 of IC 27-9-3-40; and

(4) assets supporting a funding agreement in a segregated asset account under section 8 of this chapter are subject to IC 27-9-3-40.5 and Class 1(c) of IC 27-1-5-1.

As added by P.L.178-2003, SEC.18. Amended by P.L.193-2006, SEC.2; P.L.173-2007, SEC.8; P.L.1-2010, SEC.109.
Ind. Code § 27-4-1-9 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-9
Judicial review
Status: in_force

Sec. 9. Any party to a proceeding under this chapter, including any intervenor, may obtain judicial review under IC 4-21.5-5.

Formerly: Acts 1947, c.112, s.9. As amended by P.L.252-1985, SEC.150; P.L.7-1987, SEC.149.
Ind. Code § 27-13-9-7 — Indiana Code / Title 27 / Article 13 / Chapter 9 / Section 27-13-9-7
Electronic data base requirements; rulemaking authority
Status: in_force

Sec. 7. (a) The electronic data base by which a health maintenance organization or by which a third party administrator of benefits and health care services offered under a health maintenance organization contract allows an enrollee or a provider to verify an enrollee's coverage or benefits under a health maintenance organization contract must include the following information for each enrollee:

(1) Whether benefits and health care services under the health maintenance organization contract are provided by:

(A) the health maintenance organization; or

(B) a third party administrator.

(2) Whether the health maintenance organization contract is a self-funded or fully-funded plan.

(b) The department shall adopt rules under IC 4-22-2 to ensure compliance with this section.

As added by P.L.111-2020, SEC.15.
Ind. Code § 27-8-6-8 — Indiana Code / Title 27 / Article 8 / Chapter 6 / Section 27-8-6-8
Reimbursement for emergency medical services
Status: in_force

Sec. 8. (a) As used in this section, "emergency medical services" has the meaning set forth in IC 16-18-2-110.

(b) As used in this section, "emergency medical services provider organization" means a provider of emergency medical services that is certified by the Indiana emergency medical services commission as an advanced life support provider organization under rules adopted under IC 16-31-3.

(c) As used in this section, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. However, for purposes of this section, 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) Automobile medical payment insurance.

(4) A specified disease policy.

(5) A policy that provides a stipulated daily, weekly, or monthly payment to an insured without regard to the actual expense of the confinement.

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

(d) A policy of accident and sickness insurance that provides coverage for emergency medical services must provide reimbursement for emergency medical services that are:

(1) rendered by an emergency medical services provider organization;

(2) within the emergency medical services provider organization's scope of practice;

(3) performed or provided as advanced life support services; and

(4) performed or provided:

(A) during a response initiated through the 911 system; or

(B) as part of a mobile integrated healthcare program described in IC 16-31-12;

regardless of whether the patient is transported.

(e) Reimbursement for basic and advanced life support services through a policy to which this section applies must be provided on an equal basis regardless of whether the services involve transportation of the patient by ambulance.

(f) If multiple emergency medical services provider organizations qualify and submit a claim for reimbursement under this section for an encounter, the insurer:

(1) may reimburse under this section only for one (1) claim per patient encounter; and

(2) shall reimburse the claim submitted by the emergency medical services provider organization that performed or provided the majority of advanced life support services for the patient.

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

(h) This section does not require a policy of accident and sickness insurance to provide coverage for emergency medical services.

As added by P.L.115-2020, SEC.4. Amended by P.L.170-2022, SEC.37; P.L.93-2024, SEC.198; P.L.236-2025, SEC.11.
Ind. Code § 27-7-2-37 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-37
Cancellation of rejected risk coverage; grounds; effect
Status: in_force

Sec. 37. (a) If, after the issuance of a policy, it develops that an employer is not or ceases to be in good faith entitled to compensation insurance, the carrying company which issued the policy shall have the right, upon authorization of the bureau and the worker's compensation board, to cancel the insurance in accordance with the conditions of the policy.

(b) If a policy is cancelled under the circumstances described in subsection (a), the risk shall not be assigned again by the bureau to any of its members as a carrying company until it is fully satisfied that the employer is entitled to insure as a proper rejected risk under this chapter.

(c) In the event of a cancellation under this section, the facts justifying such action shall be referred to the worker's compensation board and the department.

Formerly: Acts 1935, c.323, s.37. As amended by P.L.252-1985, SEC.245; P.L.28-1988, SEC.103.
Ind. Code § 27-16-2-9 — Indiana Code / Title 27 / Article 16 / Chapter 2 / Section 27-16-2-9
"Department"
Status: in_force

Sec. 9. "Department" refers to the department of insurance created by IC 27-1-1-1.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-13-34-13 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-13
Evidence of coverage; required information
Status: in_force

Sec. 13. (a) Every subscriber of a limited service health maintenance organization shall be issued an evidence of coverage in electronic or paper form, which must contain a clear and complete statement of the following:

(1) The limited health services to which each enrollee is entitled.

(2) Any limitation of the services, kinds of services, or benefits to be provided.

(3) Any exclusions, including any copayment or other charges.

(4) Where and in what manner information is available as to where and how services may be obtained.

(5) The method for resolving complaints.

(b) Any amendment to the evidence of coverage may be provided to the subscriber in a separate document in electronic or paper form.

(c) A limited service health maintenance organization shall issue the evidence of coverage described in subsection (a) and an amendment described in subsection (b) in paper form upon the request of the subscriber.

(d) A limited service health maintenance organization shall include in the limited service 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.8.
Ind. Code § 27-5.1-1-13 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-13
"Premium"
Status: in_force

Sec. 13. "Premium" means money given in consideration to a farm mutual insurance company on account of or in connection with an insurance policy for a specified policy period.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-1-46-15 — Indiana Code / Title 27 / Article 1 / Chapter 46 / Section 27-1-46-15
Provider facility or practitioner duty to communicate right to good faith estimate by at least three means
Status: in_force

Sec. 15. (a) Each provider must make diligent attempts to ensure that the patient is aware of the patient's right to request a good faith estimate under this chapter. The communication by a provider to the patient concerning the right to a good faith estimate must be conspicuous and must be provided by at least three (3) of the following means:

(1) Notice on the provider's website.

(2) On hold messaging.

(3) Waiting room notification.

(4) Preappointment reminders, including through electronic mail (email) or text messaging.

(5) During appointment or services check in.

(6) During appointment or services check out.

(7) During patient financial services or billing department inquiries.

(8) Through an electronic medical and patient communication portal.

(b) The communication required under subsection (a) must state the following, or words to the same effect: "A patient may ask for an estimate of the amount the patient will be charged for a nonemergency health care service provided in our facility. The law requires that an estimate be provided within 2 business days.".

As added by P.L.93-2020, SEC.12. Amended by P.L.202-2021, SEC.14; P.L.215-2025, SEC.57.
Ind. Code § 27-15-4-5 — Indiana Code / Title 27 / Article 15 / Chapter 4 / Section 27-15-4-5
Publication of notice
Status: in_force

Sec. 5. (a) The converting mutual shall cause notice of the public hearing to be published in a newspaper of general circulation in the city where the principal office of the converting mutual is located, in Indianapolis, and in any other city specified by the commissioner at the time the commissioner determines that the application is complete.

(b) The notice shall be published at least two (2) times at intervals of not less than two (2) weeks, the first publication to be not more than forty-five (45) days and the last publication not less than fifteen (15) days before the public hearing. The notice of the public hearing shall state the purpose of the hearing and the date, time, and place where the hearing will occur.

(c) The converting mutual shall provide the commissioner with the proposed form and content of the notice not less than fifteen (15) days before it is to be first published, and the commissioner shall approve or disapprove the form and content of the notice within ten (10) days after its submission to the commissioner.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-8-28-16 — Indiana Code / Title 27 / Article 8 / Chapter 28 / Section 27-8-28-16
Policies and procedures for timely resolution of grievances
Status: in_force

Sec. 16. (a) An insurer shall establish written policies and procedures for the timely resolution of grievances filed under this chapter. The policies and procedures must include the following:

(1) An acknowledgment of the grievance, given orally or in writing, to the covered individual within five (5) business days after receipt of the grievance.

(2) Documentation of the substance of the grievance and any actions taken.

(3) An investigation of the substance of the grievance, including any aspects involving clinical care.

(4) Notification to the covered individual of the disposition of the grievance and the right to appeal.

(5) Standards for timeliness in:

(A) responding to grievances; and

(B) providing notice to covered individuals of:

(i) the disposition of the grievance; and

(ii) the right to appeal;

that accommodate the clinical urgency of the situation.

(b) An insurer shall appoint at least one (1) individual to resolve a grievance.

(c) A grievance must be resolved as expeditiously as possible, but not more than twenty (20) business days after the insurer receives all information reasonably necessary to complete the review. If an insurer is unable to make a decision regarding the grievance within the twenty (20) day period due to circumstances beyond the insurer's control, the insurer shall:

(1) before the twentieth business day, notify the covered individual in writing of the reason for the delay; and

(2) issue a written decision regarding the grievance within an additional ten (10) business days.

(d) An insurer shall notify a covered individual in writing of the resolution of a grievance within five (5) business days after completing an investigation. The grievance resolution notice must include the following:

(1) A statement of the decision reached by the insurer.

(2) A statement of the reasons, policies, and procedures that are the basis of the decision.

(3) Notice of the covered individual's right to appeal the decision.

(4) The department, address, and telephone number through which a covered individual may contact a qualified representative to obtain additional information about the decision or the right to appeal.

As added by P.L.66-2001, SEC.2 and P.L.203-2001, SEC.13. Amended by P.L.1-2002, SEC.115.
Ind. Code § 27-8-31-13 — Indiana Code / Title 27 / Article 8 / Chapter 31 / Section 27-8-31-13
Commission finances
Status: in_force

Sec. 13. (a) The commission shall pay or provide for the payment of the reasonable expenses of the commission's establishment and organization. To fund the cost of the commission's initial operations, the commission may accept contributions and other forms of funding from the NAIC, compacting states, and other sources. Contributions and other forms of funding from other sources shall be of such a nature that the independence of the commission concerning the performance of the commission's duties is not compromised.

(b) The commission shall collect a filing fee from each insurer and third party filer filing a product with the commission to cover the cost of the operations and activities of the commission and the commission's staff in an amount sufficient to cover the commission's annual budget.

(c) The commission's budget for a fiscal year may not be approved until the commission's budget has been subject to notice and comment as set forth in section 8(b) of this chapter.

(d) The commission is exempt from all taxation in and by the compacting states.

(e) The commission shall not pledge the credit of any compacting state, except by and with the appropriate legal authority of that compacting state.

(f) The commission shall keep complete and accurate accounts of all the commission's internal receipts, including grants and donations, and disbursements of all funds under the commission's control. The internal financial accounts of the commission are subject to the accounting procedures established under the commission's bylaws. The financial accounts and reports, including the system of internal controls and procedures of the commission, shall be audited annually by an independent certified public accountant. Upon the determination of the commission, but not less frequently than every three (3) years, the review of the independent auditor shall include a management and performance audit of the commission. The commission shall make an annual report, to the governor and legislature of the compacting states, including a report of the independent audit. The commission's internal accounts are not confidential and such internal account materials may be shared with the commissioner of any compacting state upon request. However, work papers related to internal or independent audit and information regarding the privacy of individuals and proprietary information of insurers, including trade secrets, is confidential.

(g) No compacting state shall have any claim to or ownership of any property held by or vested in the commission or to any commission funds held under the provisions of this compact.

As added by P.L.138-2005, SEC.3.
Ind. Code § 27-1-13-17 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-17
Residential policy restrictions
Status: in_force

Sec. 17. (a) This section applies to a policy of insurance that:

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

(2) insures against loss or damage to:

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

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

(b) A policy of insurance described in subsection (a) may not be issued, renewed, or delivered to any person in Indiana if the policy limits a policyholder's right to bring an action against an insurer to a period of less than two (2) years from the date of loss.

As added by P.L.173-2007, SEC.10.
Ind. Code § 27-14.5-5-2 — Indiana Code / Title 27 / Article 14.5 / Chapter 5 / Section 27-14.5-5-2
Contents of mutual insurance holding company's articles of incorporation
Status: in_force

Sec. 2. The articles of incorporation of a mutual insurance holding company must contain the following or provisions at least substantially equivalent to the following:

(1) The name of the mutual insurance holding company, which must include the term "mutual" or the abbreviation "MHC".

(2) A provision specifying that one (1) purpose of the mutual insurance holding company is, at all times, to have the direct or indirect power to cast at least a majority of the votes for the election of directors of each stock insurance company subsidiary and any intermediate stock holding company.

(3) A provision specifying that the mutual insurance holding company does not have the power to engage in the business of issuing insurance policies or contracts, except through a stock insurance company subsidiary.

(4) A provision specifying that the mutual insurance holding company is not authorized to issue voting stock.

(5) A provision setting forth any rights of members of the mutual insurance holding company in the equity of the mutual insurance holding company upon dissolution or liquidation.

(6) A provision specifying that:

(A) a member of the mutual insurance holding company is not, as a member, personally liable for the acts, debts, liabilities, or obligations of the mutual insurance holding company; and

(B) no assessment of any kind may be imposed upon the members of the mutual insurance holding company by any person, including:

(i) the board of directors, members, or creditors of the mutual insurance holding company; and

(ii) any governmental office or official, including the commissioner;

because of any liability of any company or because of any act, debt, or liability of the mutual insurance holding company.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-29.1-19 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-19
Notice of intent to become member of fund
Status: in_force

Sec. 19. (a) A political subdivision may become a member of the fund by filing a written notice of its intent to become a member with the commission by the latter of the following dates:

(1) December 31, 1987.

(2) The date exactly six (6) months before the expiration date of the liability insurance policy covering the political subdivision on December 31, 1987.

(b) Each political subdivision that files a notice of intent to become a member by the latter of the two (2) dates set forth in subsection (a) shall be granted membership in the fund. A political subdivision that files a notice of intent to become a member after the latter of the two (2) dates set forth in subsection (a) may be admitted to or rejected for membership in the fund at the discretion of the commission.

As added by P.L.272-1987, SEC.7.
Ind. Code § 27-1-37.6-8 — Indiana Code / Title 27 / Article 1 / Chapter 37.6 / Section 27-1-37.6-8
"Health care service"
Status: in_force

Sec. 8. (a) As used in this chapter, "health care service" means a medical or surgical service for the diagnosis, prevention, treatment, cure, or relief of illness, injury, or disease that is measured at the diagnosis and procedure level for an individual health care provider.

(b) The term does not include the following:

(1) Dental services.

(2) Vision services.

(3) Long term rehabilitation treatment.

(4) Pharmaceutical or pharmacist services or products.

As added by P.L.203-2023, SEC.19.
Ind. Code § 27-8-13.5-4 — Indiana Code / Title 27 / Article 8 / Chapter 13.5 / Section 27-8-13.5-4
"Policy of accident and sickness insurance"
Status: in_force

Sec. 4. 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 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) Automobile medical payment insurance.

(4) A specified disease policy.

(5) 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).

(6) 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.

(7) Worker's compensation or similar insurance.

(8) A student health plan.

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

(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.126-2013, SEC.4. Amended by P.L.288-2019, SEC.10.
Ind. Code § 27-1-37.5-24 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-24
Emergency admission or provision of emergency health care services
Status: in_force

Sec. 24. (a) A utilization review entity shall allow a covered individual and a covered individual's health care provider at least twenty-four (24) hours (excluding weekends and state and federal legal holidays) after an emergency admission or provision of emergency health care services for the covered individual or health care provider to notify the utilization review entity of the emergency admission or provision of the emergency health care service.

(b) A utilization review entity shall cover emergency health care services necessary to screen and stabilize a covered individual. If a health care provider certifies in writing to a utilization review entity not later than seventy-two (72) hours (excluding weekends and state and federal legal holidays) after a covered individual's emergency admission that the covered individual's condition required the emergency health care service, the certification will create a presumption that the emergency health care service was medically necessary. The presumption may be rebutted only if the utilization review entity can establish, with clear and convincing evidence, that the emergency health care service was not medically necessary.

(c) The medical necessity of an emergency health care service may not be based on whether the service was provided by a participating or nonparticipating provider. Any restriction on the coverage of an emergency health care service provided by a nonparticipating provider may not be greater than the restriction that applies when the service is provided by a participating provider.

As added by P.L.144-2025, SEC.32.
Ind. Code § 27-5.1-1-15 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-15
"Principal office"
Status: in_force

Sec. 15. "Principal office" means the primary office maintained by a farm mutual insurance company in Indiana.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-13-7-17 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-17
Coverage for colorectal cancer screening; exception for grandfathered health plans
Status: in_force

Sec. 17. (a) As used in this section, "colorectal cancer testing" means examinations and laboratory tests for cancer for any nonsymptomatic enrollee.

(b) 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.

(c) Except as provided in subsection (f), a health maintenance organization issued a certificate of authority in Indiana shall provide colorectal cancer testing, including:

(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;

as a covered service under every group contract that provides coverage for basic health care services.

(d) For an enrollee 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 colorectal cancer testing required under this section must meet the requirements set forth in subsection (e), except as provided in subsection (g).

(e) An enrollee may not be required to pay a copayment for the colorectal cancer testing benefit required by this section that is greater than a copayment established for similar benefits under the group contract under which the enrollee is entitled to services. If the group contract does not cover a similar covered service, the copayment for the colorectal cancer testing benefit may not be set at a level that materially diminishes the value of the colorectal cancer testing benefit.

(f) In the case of coverage that is not employer based, the health maintenance organization is required only to offer to provide colorectal cancer testing as a covered service under a proposed group contract providing coverage for basic health care services.

(g) The requirements imposed under subsection (c)(2) do not apply to grandfathered health plans as defined in 45 CFR 147.140.

As added by P.L.54-2000, SEC.3. Amended by P.L.1-2001, SEC.34; P.L.124-2018, SEC.90; P.L.36-2020, SEC.3; P.L.165-2022, SEC.13.
Ind. Code § 27-17-10-2 — Indiana Code / Title 27 / Article 17 / Chapter 10 / Section 27-17-10-2
Notification; hearing
Status: in_force

Sec. 2. If the department has cause to believe that grounds for the suspension or revocation of a registration under this article exist, the department shall:

(1) notify the discount medical card program organization in writing specifically stating the grounds for suspension or revocation; and

(2) pursue a hearing under IC 4-21.5.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-36-16 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-16
"RBC"
Status: in_force

Sec. 16. As used in this chapter, "RBC" refers to risk based capital.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-1-2-2.3 — Indiana Code / Title 27 / Article 1 / Chapter 2 / Section 27-1-2-2.3
Captive insurers
Status: in_force

Sec. 2.3. (a) As used in this section, "captive insurer" means a foreign company or an alien company:

(1) that is supervised in the foreign or alien jurisdiction;

(2) that is owned by a person that conducts business in Indiana;

(3) whose exclusive purpose is to insure property and casualty risks of:

(A) the parent entity described in subdivision (2);

(B) affiliates of the parent entity; or

(C) a controlled unaffiliated business;

which may include reinsuring (through risk-sharing arrangements) property and casualty risks insured by other foreign companies or alien companies described in subdivision (1); and

(4) that:

(A) is owned or controlled by a state educational institution (as defined by IC 21-7-13-32); or

(B) has made an election under Section 831(b) of the Internal Revenue Code if that election is in effect.

(b) As used in this section, "controlled unaffiliated business" means a business:

(1) that:

(A) is not an affiliate of; and

(B) has a contractual relationship with;

a parent entity described in subsection (a)(2) or an affiliate of the parent entity; and

(2) the risks of which are managed by a captive insurer.

(c) Except as provided in this section, this article does not apply to a captive insurer.

(d) A captive insurer that is doing business in Indiana:

(1) is not required to obtain a certificate of authority in Indiana under IC 27-1-6 for domestic formation or under IC 27-1-17 for foreign company admission;

(2) shall register with the commissioner; and

(3) shall, for each calendar year after 2012 in which the captive insurer is doing business in Indiana, pay into the treasury of this state a tax of two thousand five hundred dollars ($2,500).

(e) A captive insurer that is required to pay the tax imposed for a calendar year under subsection (d)(3) shall pay the tax as follows:

(1) For a tax imposed under subsection (d)(3) for calendar year 2013, the captive insurer shall pay the tax before July 1, 2014.

(2) For a tax imposed under subsection (d)(3) for a calendar year after 2013, the captive insurer shall pay the tax before April 15 of the following calendar year.

(f) The state and a political subdivision of the state shall not impose a license fee or privilege or other tax on a captive insurer, except the following:

(1) The tax described in subsection (d)(3).

(2) An applicable tax on real and tangible personal property of the captive insurer.

As added by P.L.129-2014, SEC.3. Amended by P.L.242-2015, SEC.42.
Ind. Code § 27-1-49-1 — Indiana Code / Title 27 / Article 1 / Chapter 49 / Section 27-1-49-1
"Covered individual"
Status: in_force

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

As added by P.L.166-2023, SEC.2.
Ind. Code § 27-8-26-8 — Indiana Code / Title 27 / Article 8 / Chapter 26 / Section 27-8-26-8
Limitation of benefits or establishment of premiums based on genetic screening or testing results prohibited
Status: in_force

Sec. 8. An insurer may not deliver, issue for delivery, renew, or execute a contract for health care services coverage in Indiana that:

(1) limits benefits; or

(2) establishes premiums;

based on the results of genetic screening or testing.

As added by P.L.150-1997, SEC.4.
Ind. Code § 27-1-1.5-23 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-23
"NAIC Uniform Life, Accident and Health, Annuity and Credit Product Coding Matrix"
Status: in_force

Sec. 23. "NAIC Uniform Life, Accident and Health, Annuity and Credit Product Coding Matrix" refers to the document entitled "National Association of Insurance Commissioners Uniform Life, Accident and Health, Annuity and Credit Product Coding Matrix" that is:

(1) published by the NAIC; and

(2) in effect on January 1, 2018.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-8-25-7 — Indiana Code / Title 27 / Article 8 / Chapter 25 / Section 27-8-25-7
"Routine care cost"
Status: in_force

Sec. 7. As used in this chapter, "routine care cost" means the cost of medically necessary services related to the care method that is under evaluation in a clinical trial. The term does not include the following:

(1) The health care service, item, or investigational drug that is the subject of the clinical trial.

(2) Any treatment modality that is not part of the usual and customary standard of care required to administer or support the health care service, item, or investigational drug that is the subject of the clinical trial.

(3) Any health care service, item, or drug provided solely to satisfy data collection and analysis needs that are not used in the direct clinical management of the patient.

(4) An investigational drug or device that has not been approved for market by the federal Food and Drug Administration.

(5) Transportation, lodging, food, or other expenses for the patient or a family member or companion of the patient that are associated with travel to or from a facility where a clinical trial is conducted.

(6) A service, item, or drug that is provided by a clinical trial sponsor free of charge for any new patient.

(7) A service, item, or drug that is eligible for reimbursement from a source other than a covered individual's policy of accident and sickness insurance, including the sponsor of the clinical trial.

As added by P.L.109-2009, SEC.3.
Ind. Code § 27-1-3.5-12.1 — Indiana Code / Title 27 / Article 1 / Chapter 3.5 / Section 27-1-3.5-12.1
Audit committee; members; duties; waiver
Status: in_force

Sec. 12.1. (a) As used in this section, "independent", with respect to a member of an audit committee, means that the member, other than in the member's capacity as a member of the audit committee, the board of directors, or another board committee:

(1) does not accept a consulting fee, an advisory fee, or another compensatory fee from the domestic insurer or group of insurers; and

(2) is not an affiliate of the domestic insurer or group of insurers.

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

(1) A foreign insurer or an alien insurer that possesses a certificate of authority.

(2) A domestic insurer that is a SOX compliant entity.

(3) A wholly-owned subsidiary of a SOX compliant entity.

(c) The audit committee of a domestic insurer or group of insurers is directly responsible for the:

(1) appointment;

(2) compensation; and

(3) oversight of the work;

of the domestic insurer's or group of insurers' accountant, including resolution of disagreements between management and the accountant concerning financial reporting, for the purpose of preparing or issuing an annual audited financial report or related work under this chapter. Each accountant reports directly to the audit committee.

(d) The audit committee of a domestic insurer or group of insurers is responsible for:

(1) oversight of the domestic insurer's or group of insurers' internal audit function; and

(2) granting the person that performs the internal audit function suitable authority and resources to fulfill the person's responsibilities if required by section 12.3 of this chapter.

(e) The following apply to the membership of an audit committee:

(1) Each member shall be:

(A) a member of the board of directors of the domestic insurer; or

(B) if the audit committee of the entity that controls a group of insurers serves as the audit committee of the domestic insurer or group of insurers, a member of the audit committee of the entity that controls the group of insurers.

(2) The percentage of independent members must meet the following minimum requirements:

(A) If the domestic insurer had direct written and assumed premiums during the immediately preceding calendar year of less than three hundred million dollars ($300,000,000), no minimum requirement applies.

(B) If the domestic insurer had direct written and assumed premiums during the immediately preceding calendar year of at least three hundred million dollars ($300,000,000) and less than five hundred million dollars ($500,000,000), at least fifty percent (50%) of the members must be independent members.

(C) If the domestic insurer had direct written and assumed premiums during the immediately preceding calendar year of at least five hundred million dollars ($500,000,000), at least seventy-five percent (75%) of the members must be independent members.

(f) If:

(1) state or federal law requires that a board of directors of a domestic insurer or group of insurers include otherwise nonindependent members; and

(2) an otherwise nonindependent member is not an officer or employee of the domestic insurer, group of insurers, or an affiliate of the domestic insurer or group of insurers;

the nonindependent member may serve as a member of an audit committee and be considered to be independent for audit committee purposes.

(g) If:

(1) a member of an audit committee of a domestic insurer ceases to be independent for reasons beyond the member's reasonable control; and

(2) the domestic insurer notifies the department of the cessation of independence;

the member may continue to serve as an audit committee member until the next annual meeting of the domestic insurer or one (1) year after the date on which the member's independence ceased, whichever occurs first.

(h) The ultimate controlling person of a domestic insurer may designate the audit committee of the domestic insurer by providing written notice to each commissioner responsible for regulation of each affected insurer. The written notice must:

(1) be timely provided before the issuance of the annual audited financial report; and

(2) include a description of the basis for the designation.

(i) A designation:

(1) under subsection (h) may be changed with written notice from the domestic insurer to the commissioner, including a description of the basis for the designation; and

(2) under subsection (h) or this subsection remains in effect unless rescinded or changed.

(j) A domestic insurer's audit committee shall require the accountant that performs an audit required by this chapter to report to the audit committee in accordance with the requirements of AICPA Statements on Auditing Standards (SAS) 61, Communication with Audit Committees, including the following:

(1) All significant accounting policies and material permitted practices.

(2) All:

(A) material alternative treatments of financial information within statutory accounting principles that have been discussed with management officials of the domestic insurer; and

(B) ramifications of the use of the alternative disclosures and treatments.

(3) The treatment described in subdivision (2) that is preferred by the accountant.

(4) Any other material written communication between the accountant and the management of the domestic insurer, including any management letter or schedule of unadjusted differences.

(k) If:

(1) a domestic insurer is a member of an insurance holding company system; and

(2) any substantial differences among insurers in the insurance holding company system are identified to the audit committee;

the reports required by subsection (j) may be provided to the audit committee on an aggregate basis for insurers in the holding company system.

(l) If a domestic insurer has direct written and assumed premiums (excluding premiums reinsured with the Federal Crop Insurance Corporation and Federal Flood Program) of less than five hundred million dollars ($500,000,000), the domestic insurer may apply to the commissioner for a waiver from the audit committee requirements of this section based on hardship.

(m) A domestic insurer that receives a waiver under subsection (l) shall file the waiver, with the domestic insurer's annual statement filing, with the:

(1) commissioners of insurance in the states in which the domestic insurer is licensed or doing insurance business; and

(2) NAIC.

If another state has access to electronic filing with the NAIC, the domestic insurer shall file the waiver with the other state electronically in accordance with NAIC electronic filing specifications.

As added by P.L.146-2015, SEC.16. Amended by P.L.124-2018, SEC.9.
Ind. Code § 27-16-2-13 — Indiana Code / Title 27 / Article 16 / Chapter 2 / Section 27-16-2-13
"Professional employer organization" or "PEO"
Status: in_force

Sec. 13. (a) "Professional employer organization" or "PEO" means a person engaged in the business of providing professional employer services.

(b) The term does not include the following:

(1) An arrangement through which a person:

(A) whose principal business activity is an activity other than entering into professional employer agreements; and

(B) that does not hold the person out as a professional employer organization;

shares employees with a commonly owned company within the meaning of Section 414(b) and 414(c) of the Internal Revenue Code of 1986 (26 U.S.C. 414(b) and 26 U.S.C. 414(c)).

(2) An independent contractor arrangement through which a person:

(A) assumes responsibility for a product produced or a service performed by the person or the person's agent; and

(B) retains and exercises primary direction and control over the work performed by an individual whose services are supplied under the independent contractor arrangement.

(3) The provision of temporary help services.

As added by P.L.245-2005, SEC.7. Amended by P.L.124-2018, SEC.105.
Ind. Code § 27-8-5.9-9 — Indiana Code / Title 27 / Article 8 / Chapter 5.9 / Section 27-8-5.9-9
Health promotion and disease prevention programs
Status: in_force

Sec. 9. This chapter does not prevent an insurer from establishing a premium discount, a rebate, or out-of-pocket payment modifications in return for adherence to programs of health promotion and disease prevention.

As added by P.L.288-2019, SEC.7.
Ind. Code § 27-1-15.6-18 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-18
Issuance of limited lines producer's license without examination
Status: in_force

Sec. 18. The commissioner may issue a limited lines producer's license to the following without examination:

(1) A limited lines travel insurance producer.

(2) A limited line credit insurance producer.

(3) A person who will only negotiate or solicit insurance under Class 2(j) of IC 27-1-5-1.

(4) Any person who will negotiate or solicit a kind of insurance that the commissioner finds does not require an examination to demonstrate professional competency.

(5) A person that will sell, solicit, or negotiate only portable electronics insurance as provided in IC 27-1-15.9.

(6) A person that will sell, solicit, or negotiate only self-storage insurance as provided in IC 27-1-16.1.

As added by P.L.132-2001, SEC.3. Amended by P.L.4-2012, SEC.2; P.L.81-2013, SEC.2; P.L.276-2013, SEC.13.
Ind. Code § 27-7-17-11 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-11
"Primary policyholder"
Status: in_force

Sec. 11. As used in this chapter, "primary policyholder" means an individual who elects and purchases individual travel insurance.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-1-9-9 — Indiana Code / Title 27 / Article 1 / Chapter 9 / Section 27-1-9-9
Dissenting shareholders; payment of value of shares; appraisal
Status: in_force

Sec. 9. (a) If any shareholder of any corporation a party to a merger or consolidation who did not vote in favor of such merger or consolidation at the meeting at which the agreement of merger or consolidation was adopted by the shareholders of such corporation shall, at any time within thirty (30) days after the filing of the affidavit of notice of the adoption of the agreement of merger or consolidation as provided for in sections 3 and 4 of this chapter, object thereto in writing and demand payment of the value of his shares, the surviving or new corporation shall, in the event that the merger or consolidation shall be made effective, pay to such shareholder upon surrender of his certificates therefor, the value of such shares at the effective date of the merger or consolidation. If within thirty (30) days after such effective date, the value of such shares is agreed upon between the shareholder and the surviving or new corporation, as the case may be, payment therefor may be made within ninety (90) days after the effective date. If, within thirty (30) days after such effective date, the surviving or new corporation, as the case may be, and the shareholder do not so agree, either such corporation or the shareholder may, within ninety (90) days after such effective date, petition the judge of the circuit or superior court of the county in which the principal office of the corporation is located, to appraise the value of such shares, and payment of the appraised value thereof shall be made within sixty (60) days after the entry of the judgment or order finding such appraised value. The practice, procedure, and judgment in the circuit or superior court upon such petition shall be the same, so far as practicable, as that under the eminent domain laws in this state, and the judgment of such circuit or superior court in such matter shall be final.

(b) Upon the effective date of the merger or consolidation, any shareholder who has made such objection and demand shall cease to be a shareholder and shall have no rights with respect to such shares except the right to receive payment therefor. Every shareholder who did not vote in favor of such merger or consolidation and who does not object in writing and demand payment of the value of his shares at the time and in the manner provided in this section shall be conclusively presumed to have assented to such merger or consolidation.

Formerly: Acts 1935, c.162, s.123; Acts 1941, c.115, s.5. As amended by P.L.252-1985, SEC.44.
Ind. Code § 27-8-19.8-8.7 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-8.7
Fiduciary duties of viatical settlement brokers
Status: in_force

Sec. 8.7. A viatical settlement broker:

(1) represents only the viator; and

(2) owes a fiduciary duty to the viator to act according to the viator's instructions and in the best interest of the viator;

regardless of the manner in which the viatical settlement broker is compensated.

As added by P.L.32-1998, SEC.12.
Ind. Code § 27-8-13-16 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-16
Disclosures distinguishing Medicare supplement coverages from accident and sickness coverages
Status: in_force

Sec. 16. (a) The commissioner may adopt rules under IC 4-22-2 for captions or notice requirements that are determined to be in the public interest and designed to inform prospective insureds that particular insurance coverages are not Medicare supplement coverages. The captions or notice requirements may apply to all accident and sickness insurance policies sold to persons eligible for Medicare by reason of age, other than:

(1) Medicare supplement policies;

(2) disability income policies;

(3) basic, catastrophic, or major medical expense policies; and

(4) single premium, nonrenewable policies.

(b) The commissioner may also adopt rules under IC 4-22-2 to govern the full and fair disclosure of the information in connection with the replacement of accident and sickness policies, subscriber contracts, or certificates by persons eligible for Medicare.

As added by P.L.255-1989, SEC.13. Amended by P.L.126-1992, SEC.13.
Ind. Code § 27-1-30-2 — Indiana Code / Title 27 / Article 1 / Chapter 30 / Section 27-1-30-2
"Casualty and liability insurance" defined
Status: in_force

Sec. 2. As used in this chapter, "casualty and liability insurance" means the types of insurance described in IC 27-1-5-1, Class 2(h) and 2(l).

As added by P.L.270-1987, SEC.2.
Ind. Code § 27-1-12.8-8 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-8
"Deposit type contract"
Status: in_force

Sec. 8. (a) Before the operative date of the valuation manual specified in section 34 of this chapter, as used in this chapter, "deposit type contract" means a contract that does not incorporate mortality or morbidity risk.

(b) On and after the operative date of the valuation manual specified in section 34 of this chapter, as used in this chapter, "deposit type contract" means a contract that does not incorporate mortality or morbidity risk and as may be specified in the valuation manual.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-8-39-2 — Indiana Code / Title 27 / Article 8 / Chapter 39 / Section 27-8-39-2
"Wearable cardioverter defibrillator"
Status: in_force

Sec. 2. As used in this chapter, "wearable cardioverter defibrillator" means a device that:

(1) is worn externally on an individual's body;

(2) continually monitors and analyzes the individual's heart rhythm; and

(3) delivers a shock to the heart when an abnormal heart rhythm is detected.

As added by P.L.190-2023, SEC.31.
Ind. Code § 27-1-50.3-1 — Indiana Code / Title 27 / Article 1 / Chapter 50.3 / Section 27-1-50.3-1
Definitions
Status: in_force

Sec. 1. The following definitions apply throughout this chapter:

(1) "Business day" means a day other than Saturday or Sunday, or a legal holiday listed in IC 1-1-9-1.

(2) "Commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.

(3) "Department" refers to the department of insurance created by IC 27-1-1-1.

(4) "Fee" refers to the fee on managed care organizations authorized by this chapter.

(5) "Managed care organization" means an organization that holds a certificate of authority, license, or other similar authorization issued by the department and that is a managed care organization for purposes of 42 U.S.C. 1396b(w)(7)(A)(viii) and 42 CFR 433.56(a)(8). The term does not include an organization that only offers a policy, plan, or coverage set forth in IC 27-8-5-2.5(a).

(6) "Office" refers to the office of Medicaid policy and planning established by IC 12-8-6.5-1.

(7) "Secretary" refers to the secretary of family and social services appointed under IC 12-8-1.5-2.

(8) "State's share" means the portion of allowable Medicaid expenses funded by the state, by other units of government, or, as permitted by federal Medicaid laws, by other entities other than the federal government.

As added by P.L.216-2025, SEC.47.
Ind. Code § 27-1-42-12 — Indiana Code / Title 27 / Article 1 / Chapter 42 / Section 27-1-42-12
Not a warranty
Status: in_force

Sec. 12. (a) A certificate of insurance must not contain a warranty that the policy of property or casualty insurance to which the certificate of insurance refers complies with the insurance or indemnification requirements of a contract.

(b) The inclusion of a contract number or contract description in a certificate of insurance does not warrant that the policy of property or casualty insurance to which the certificate of insurance refers complies with the insurance or indemnification requirements of the contract.

As added by P.L.70-2013, SEC.1.
Ind. Code § 27-1-35-2 — Indiana Code / Title 27 / Article 1 / Chapter 35 / Section 27-1-35-2
"Accredited state"
Status: in_force

Sec. 2. As used in this chapter, "accredited state" means a state in which the insurance department or regulatory agency has qualified as meeting the minimum financial regulatory standards promulgated and established by the NAIC.

As added by P.L.130-1994, SEC.36 and P.L.116-1994, SEC.47. Amended by P.L.124-2018, SEC.55.
Ind. Code § 27-14.5-5-6 — Indiana Code / Title 27 / Article 14.5 / Chapter 5 / Section 27-14.5-5-6
Annual statement of mutual insurance holding company
Status: in_force

Sec. 6. (a) Not later than June 1 of each year, each mutual insurance holding company must file with the commissioner an annual statement consisting of the following information:

(1) Audited financial statements, including:

(A) an income statement;

(B) a balance sheet; and

(C) a statement of cash flows.

(2) Complete information on the status of any condition imposed in connection with the approval of a plan of reorganization.

(3) An investment plan covering all assets of the mutual insurance holding company.

(4) A statement disclosing any intention to pledge, borrow against, alienate, hypothecate, or in any way encumber the assets of the mutual insurance holding company.

(b) The commissioner, through an order or by a rule adopted under IC 4-22-2, may waive or suspend all or any part of the requirements of subsection (a) for a particular mutual insurance holding company or class of mutual insurance holding companies.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-13-7-21 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-21
High breast density
Status: in_force

Sec. 21. (a) As used in this section, "high breast density" means a condition in which there is a greater amount of breast and connective tissue in comparison to fat in the breast.

(b) An individual contract or a group contract that provides coverage for basic health care services must provide coverage for an appropriate medical screening, test, or examination for a female enrollee who is at least forty (40) years of age and who has been determined to have high breast density.

As added by P.L.126-2013, SEC.5.
Ind. Code § 27-1-27-5 — Indiana Code / Title 27 / Article 1 / Chapter 27 / Section 27-1-27-5
Nonresident applicants; service of process designation
Status: in_force

Sec. 5. (a) The commissioner may not issue a certificate of authority to a nonresident applicant until that nonresident files with the commissioner, in a form prescribed by the commissioner, a designation of an individual resident of Indiana, a corporate resident of Indiana, or an authorized Indiana insurer as the nonresident applicant's legal representative upon whom may be served all lawful process in any action, suit, or proceeding:

(1) instituted by or on behalf of an interested person; and

(2) arising out of the nonresident applicant's public adjuster's insurance business.

(b) The designation required by subsection (a) constitutes an agreement that service of process upon the nonresident applicant's legal representative is of the same legal force and validity as personal service of process upon an Indiana resident.

(c) Service upon a nonresident may be made by serving the nonresident applicant's legal representative with an appropriate number of copies of the process.

(d) The nonresident applicant's legal representative shall forward a copy of the process by registered mail to the nonresident at his last known address of record or principal place of business, keeping a record of such process and service.

(e) Service of process is sufficient as long as notice of the service and a copy of the process are sent not more than ten (10) days after the nonresident applicant's legal representative received the service of process on behalf of the nonresident.

(f) Service of process upon a nonresident in any action instituted by the commissioner under this chapter shall be made by the commissioner by mailing the process to the nonresident applicant's legal representative or the nonresident by registered mail at his last known address of record or principal place of business.

As added by P.L.257-1983, SEC.1. Amended by P.L.31-1988, SEC.15; P.L.130-1994, SEC.33; P.L.116-1994, SEC.43; P.L.268-1999, SEC.14.
Ind. Code § 27-10-4-3 — Indiana Code / Title 27 / Article 10 / Chapter 4 / Section 27-10-4-3
Persons excluded as bail agent
Status: in_force

Sec. 3. (a) The following persons may not be bail agents or receive any benefits from the execution of any bail bond:

(1) Jailers.

(2) Law enforcement officers.

(3) Judges.

(4) Persons having anything to do with the control of federal, state, county, or municipal prisoners.

(b) A person who recklessly violates this section commits a Class B misdemeanor.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.27.
Ind. Code § 27-14.5-2-14 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-14
Transfer of rights, liabilities, and authority to reorganized insurer
Status: reserved

Sec. 14. The reorganized insurer to which insurance policies, contracts, and other assets and obligations are transferred in connection with a plan of reorganization under this chapter has, with respect to the insurance policies, contracts, and other assets and obligations, all rights, liabilities, and authority of the mutual insurance company that is subject to the plan of reorganization.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-8-1-17 — Indiana Code / Title 27 / Article 8 / Chapter 1 / Section 27-8-1-17
Noncompliance; violations
Status: in_force

Sec. 17. An officer, agent, or employee of a corporation or association who knowingly permits the corporation or association to do business in Indiana, unless it has complied with the laws of this state applicable to the same, commits a Class B misdemeanor.

Formerly: Acts 1883, c.136, s.17. As amended by Acts 1978, P.L.2, SEC.2725.
Ind. Code § 27-2-6-1 — Indiana Code / Title 27 / Article 2 / Chapter 6 / Section 27-2-6-1
Authorized investments
Status: in_force

Sec. 1. Any life insurance, fire insurance, livestock insurance, casualty or accident insurance, or bonding or surety company, or trust company or savings bank now or hereafter organized under the laws of the state of Indiana, in addition to the investments now authorized by law, be and it hereby is authorized and empowered to invest its funds in obligations issued by or for federal land banks, federal intermediate credit banks and banks for cooperatives under the Farm Credit Act of 1971 (12 U.S.C. 2001 et seq.) and such obligations are hereby declared eligible for any deposit required of any such company under the laws of this state.

Formerly: Acts 1931, c.55, s.1; Acts 1975, P.L.44, SEC.3. As amended by P.L.124-2018, SEC.61.
Ind. Code § 27-8-31-7 — Indiana Code / Title 27 / Article 8 / Chapter 31 / Section 27-8-31-7
Commission action
Status: in_force

Sec. 7. (a) The commission shall meet and take any actions that are consistent with this compact and the bylaws.

(b) Each member of the commission is entitled to cast a vote to which that compacting state is entitled and to participate in the business and affairs of the commission. A member shall vote in person or by other means as provided in the bylaws. The bylaws may provide for members' participation in meetings by telephone or other means of communication.

(c) The commission shall meet at least one (1) time during each calendar year. Additional meetings shall be held as set forth in the bylaws.

As added by P.L.138-2005, SEC.3.
Ind. Code § 27-1-16.1-12 — Indiana Code / Title 27 / Article 1 / Chapter 16.1 / Section 27-1-16.1-12
Manner in which self-storage insurance may be sold
Status: in_force

Sec. 12. Self-storage insurance may be sold:

(1) for any period; and

(2) under:

(A) an individual policy; or

(B) a group, commercial, or master policy issued to a self-storage facility to provide insurance for the self-storage facility's customers.

As added by P.L.81-2013, SEC.3.
Ind. Code § 27-1-50.3-4 — Indiana Code / Title 27 / Article 1 / Chapter 50.3 / Section 27-1-50.3-4
Use of fee
Status: in_force

Sec. 4. The fee collected under this chapter may only be used to pay the state's share of the cost of Medicaid services provided under the Medicaid program (42 U.S.C. 1396 et seq.).

As added by P.L.216-2025, SEC.47.
Ind. Code § 27-1-10-2 — Indiana Code / Title 27 / Article 1 / Chapter 10 / Section 27-1-10-2
Submission of question of dissolution; vote of shareholders, members, or policyholders
Status: in_force

Sec. 2. Any corporation organized under the provisions of this article may liquidate its affairs and dissolve in the following manner:

(1) Whenever the board of directors by a resolution adopted by a majority vote of the members of such board shall deem it advisable to submit the question of dissolution, or whenever the board of directors shall be required in writing by the holders of a majority of the outstanding shares of capital stock, if a stock company, or a majority of the members or policyholders, if other than a stock company, to submit the question of dissolution, the board of directors shall submit the question of dissolving the company to a vote of the shareholders, members, or policyholders of a company entitled to vote in respect thereof at such meeting thereof as may be designated in such request, or, in the absence of such request or of such designation, in such resolution, the designated meeting may be an annual meeting of shareholders, members or policyholders, entitled to vote in respect thereof. If the designated meeting is an annual meeting, notice of the submission of the question of dissolution 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 special meeting shall be called by the board of directors, and notice of such meeting shall be given at the time and in the manner as provided in IC 27-1-7-7.

(2) The question of dissolving the corporation shall be submitted to a vote of the shareholders, members, or policyholders entitled to vote in respect thereof at the meeting designated as provided in this section, and the dissolution shall be authorized upon receiving the affirmative votes 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 entitled to vote, if other than a stock company. The shareholders, members, or policyholders of a corporation entitled to vote in respect to dissolution of the 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.132. As amended by P.L.252-1985, SEC.48.
Ind. Code § 27-8-20-3 — Indiana Code / Title 27 / Article 8 / Chapter 20 / Section 27-8-20-3
"Insurance policy" defined
Status: in_force

Sec. 3. As used in this chapter, "insurance policy" means an accident and sickness policy (as defined in IC 27-8-5-1).

As added by P.L.277-1993(ss), SEC.120.
Ind. Code § 27-13-2-6 — Indiana Code / Title 27 / Article 13 / Chapter 2 / Section 27-13-2-6
Certificate of authority application; modifications or amendments
Status: in_force

Sec. 6. (a) An applicant shall submit to the commissioner any modifications or amendments to the items of information required in an application under section 5 of this chapter.

(b) The commissioner may adopt rules under this section that provide that any modifications or amendments to the items of information in the application required of a health maintenance organization:

(1) must be submitted to the commissioner before the modification or amendment takes effect:

(A) for the approval of the commissioner; or

(B) for the information of the commissioner only; or

(2) must be indicated by the health maintenance organization to the commissioner at the time of the next succeeding site visit or examination of the organization by the department of insurance.

(c) A health maintenance organization shall file any assumed corporate name with the department at least thirty (30) days before assuming the name.

As added by P.L.26-1994, SEC.25. Amended by P.L.203-2001, SEC.16.
Ind. Code § 27-1-37-2 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-2
"Health maintenance organization" defined
Status: in_force

Sec. 2. As used in this chapter, "health maintenance organization" means a person that undertakes to provide or arrange for the delivery of health care services to individuals on a prepaid basis, except for the individual's responsibility for copayments or deductibles. The term includes a limited service health maintenance organization. The term does not include a staff-model health maintenance organization that employs a group of providers and that requires the providers to provide health care services solely to individuals who are entitled to coverage under a contract with the staff-model health maintenance organization or an affiliate of the staff-model health maintenance organization.

As added by P.L.197-2001, SEC.1.
Ind. Code § 27-1-15.8-3 — Indiana Code / Title 27 / Article 1 / Chapter 15.8 / Section 27-1-15.8-3
Qualifications for license
Status: in_force

Sec. 3. (a) A surplus lines producer may receive qualification for a license in one (1) or more of the kinds of insurance defined in Class 2 and Class 3 of IC 27-1-5-1 from insurers that are authorized to do business in one (1) or more states of the United States of America but are not authorized to do business in Indiana whenever, after diligent effort, as determined to the satisfaction of the department, the licensee is unable to procure the amount of insurance desired from insurers authorized and licensed to do business in Indiana.

(b) An applicant for a surplus lines producer's license must be licensed in Indiana as an insurance producer qualified as to the line or lines of insurance to be written.

As added by P.L.132-2001, SEC.5.
Ind. Code § 27-8-16-3 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-3
"Enrollee" defined
Status: in_force

Sec. 3. As used in this chapter, "enrollee" means an individual who has contracted for or who participates in coverage under an insurance policy, a health maintenance organization contract, or another benefit program providing payment, reimbursement, or indemnification for the costs of health care for:

(1) the individual;

(2) eligible dependents of the individual; or

(3) both the individual and the individual's eligible dependents.

As added by P.L.128-1992, SEC.2.
Ind. Code § 27-6-9-17 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-17
Attorneys; exemptions
Status: in_force

Sec. 17. Attorneys licensed to practice in Indiana, when acting in their professional capacity, are exempt from sections 12 through 16 of this chapter.

As added by P.L.26-1991, SEC.26.
Ind. Code § 27-7-14-1 — Indiana Code / Title 27 / Article 7 / Chapter 14 / Section 27-7-14-1
"Armed forces"
Status: in_force

Sec. 1. As used in this chapter, "armed forces" means the active and reserve components of the following:

(1) The United States Army.

(2) The United States Navy.

(3) The United States Air Force.

(4) The United States Marine Corps.

(5) The United States Space Force.

(6) The United States Coast Guard.

(7) The Indiana National Guard.

As added by P.L.146-2015, SEC.31. Amended by P.L.238-2025, SEC.82.
Ind. Code § 27-1-40-8 — Indiana Code / Title 27 / Article 1 / Chapter 40 / Section 27-1-40-8
Insolvency proceedings
Status: in_force

Sec. 8. If the commissioner determines from a quarterly or annual statement, a trusteed surplus statement, or another report that a United States branch's trusteed surplus is less than:

(1) the minimum capital and surplus requirements; or

(2) the authorized control level risk based capital requirements;

whichever is greater, that apply to a domestic insurer granted a certificate of authority to transact the same kind of insurance business in Indiana, the commissioner may proceed under IC 27-9 against the United States branch as if the United States branch were an insurer in such condition that further transaction by the insurer of insurance business in the United States would be hazardous to the insurer's policyholders, creditors, or residents of the United States.

As added by P.L.173-2007, SEC.20.
Ind. Code § 27-1-34-8 — Indiana Code / Title 27 / Article 1 / Chapter 34 / Section 27-1-34-8
Reinsurers and insurance producers; multiple employer welfare arrangement
Status: in_force

Sec. 8. (a) A reinsurer may not issue a policy of insurance to a multiple employer welfare arrangement that does not have a certificate of registration from the department.

(b) An insurance producer licensed by the department may not solicit, offer, or provide coverage through a multiple employer welfare arrangement that does not have a certificate of registration from the department.

(c) A reinsurer or insurance producer who knows or reasonably should have known that the arrangement does not have a current certificate of registration is liable for any claims for benefits that are due and unpaid.

As added by P.L.1-1992, SEC.149. Amended by P.L.178-2003, SEC.30.
Ind. Code § 27-1-52-6 — Indiana Code / Title 27 / Article 1 / Chapter 52 / Section 27-1-52-6
"Insurer"
Status: in_force

Sec. 6. As used in this chapter, "insurer" means 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).

(2) A health maintenance organization (as defined in IC 27-13-1-19) that provides coverage for basic health care services (as defined in IC 27-13-1-4) under an individual contract (as defined in IC 27-13-1-21) or a group contract (as defined in IC 27-13-1-16).

(3) An insurer that enters into a preferred provider plan subject to IC 27-8-11 under which dental services are provided.

(4) A third party contractor of an entity described in subdivision (1), (2), or (3).

As added by P.L.88-2026, SEC.6.
Ind. Code § 27-1-25-12.4 — Indiana Code / Title 27 / Article 1 / Chapter 25 / Section 27-1-25-12.4
Denial, suspension, or revocation of administrator license
Status: in_force

Sec. 12.4. (a) The commissioner shall deny, suspend, or revoke a license issued under this chapter if the commissioner determines that the administrator:

(1) is in unsound financial condition;

(2) engages in methods or practices in the conduct of the administrator's business so as to render the administrator's continued transaction of business in Indiana hazardous or injurious to covered persons or the public; or

(3) fails to pay a judgment rendered against the administrator in Indiana not more than sixty (60) days after the judgment is final and all appeals have been exhausted.

(b) The commissioner may deny, suspend, or revoke a license issued under this chapter if the commissioner determines that:

(1) the administrator has violated a lawful rule or order of the commissioner or a provision of the insurance laws of Indiana;

(2) the administrator refuses to be examined or to produce the administrator's accounts, records, and files for examination;

(3) an individual who is responsible for the conduct of the affairs of the administrator, including:

(A) a member of the administrator's:

(i) board of directors;

(ii) board of trustees;

(iii) executive committee; or

(iv) other governing board or committee;

(B) a principal officer, if the administrator is a corporation;

(C) a partner or member, if the administrator is:

(i) a partnership;

(ii) an association; or

(iii) a limited liability company;

(D) a shareholder or member that holds, directly or indirectly, ten percent (10%) or more of the:

(i) voting stock;

(ii) voting securities; or

(iii) voting interest;

of the administrator; or

(E) any other person who exercises control or influence over the affairs of the administrator;

refuses to provide information with respect to the administrator's business or to perform another legal obligation with respect to an examination when required by the commissioner;

(4) the administrator, without just cause:

(A) refuses to pay proper claims or to perform services arising under a written agreement;

(B) causes a covered individual to accept less than the amount due to the covered individual; or

(C) causes a covered individual to employ an attorney or bring suit against the administrator to secure full payment or settlement of a proper claim;

(5) the administrator fails to meet a qualification for which issuance of the administrator's license could have been refused if the failure had existed and been known by the commissioner at the time of license issuance;

(6) an individual who is responsible for the conduct of the affairs of the administrator, including:

(A) a member of the administrator's:

(i) board of directors;

(ii) board of trustees;

(iii) executive committee; or

(iv) other governing board or committee;

(B) a principal officer, if the administrator is a corporation;

(C) a partner or member, if the administrator is:

(i) a partnership;

(ii) an association; or

(iii) a limited liability company;

(D) a shareholder or member that holds, directly or indirectly, ten percent (10%) or more of the:

(i) voting stock;

(ii) voting securities; or

(iii) voting interest;

of the administrator; or

(E) any other person who exercises control or influence over the affairs of the administrator;

is convicted of or enters a plea of guilty or nolo contendere to a felony, without regard to whether adjudication is withheld;

(7) the administrator's license has been suspended or revoked in another state; or

(8) the administrator fails to timely file the:

(A) report required under section 12.3 of this chapter; or

(B) statement and pay the filing fee required under section 12.2(e) of this chapter.

(c) The commissioner may, in the commissioner's discretion and without advance notice or hearing, immediately suspend the license of an administrator if the commissioner finds one (1) or more of the following:

(1) The administrator is insolvent or financially impaired.

(2) A proceeding for receivership, conservatorship, rehabilitation, or other delinquency proceeding regarding the administrator has been commenced in any state.

(3) The financial condition or business practices of the administrator pose an imminent threat to the public health, safety, or welfare of residents of Indiana.

(d) If the commissioner determines that cause exists for the suspension or revocation of a license issued under this chapter, the commissioner may, instead of suspension or revocation, impose a civil penalty not to exceed twenty-five thousand dollars ($25,000) per act or violation upon the administrator. A civil penalty imposed under this subsection may be enforced in the same manner as a civil judgment. Civil penalties collected under this subsection shall be deposited in the state general fund.

As added by P.L.160-2003, SEC.18.
Ind. Code § 27-6-6-14 — Indiana Code / Title 27 / Article 6 / Chapter 6 / Section 27-6-6-14
Application of state insurance law
Status: in_force

Sec. 14. Except as provided in this chapter, no law of this state relating to insurance shall apply to the exchange of indemnity contracts described in this chapter, unless they are specifically mentioned in the indemnity contract.

Formerly: Acts 1919, c.102, s.14. As amended by P.L.136-2018, SEC.182.
Ind. Code § 27-8-1-15 — Indiana Code / Title 27 / Article 8 / Chapter 1 / Section 27-8-1-15
Foreign corporations; annual statement and fee; license revocation for failure to file statement; solvency statement from foreign state
Status: in_force

Sec. 15. Such corporation, association, or society shall pay to the state comptroller, upon filing each annual statement, a fee of ten dollars ($10.00). And in the event of its failure to make such statement on or before the thirty-first day of August of each year, the state comptroller shall revoke its license, and thereafter, or until such statement is made, it shall be deemed to be doing business unlawfully in this state. When the state comptroller of this state shall have reason to doubt the solvency of any such foreign corporation, association, or society, the state comptroller shall accept a statement from the insurance commissioner, or like officer of the state under whose authority it was organized, as prima facie evidence of its solvency.

Formerly: Acts 1883, c.136, s.15. As amended by P.L.9-2024, SEC.487.
Ind. Code § 27-13-7-28.5 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-28.5
Coverage for wearable cardioverter defibrillators
Status: in_force

Sec. 28.5. (a) This section applies to an individual contract or a group contract that is entered into, amended, or renewed after June 30, 2023.

(b) As used in this section, "wearable cardioverter defibrillator" means a device that:

(1) is worn externally on an individual's body;

(2) continually monitors and analyzes the individual's heart rhythm; and

(3) delivers a shock to the heart when an abnormal heart rhythm is detected.

(c) An individual contract or a group contract must provide coverage for a wearable cardioverter defibrillator, including the cost of the wearable cardioverter defibrillator, any necessary accessory, and ongoing monitoring services.

(d) The coverage required under subsection (c) must be in accordance with a:

(1) local coverage determination; or

(2) national coverage determination;

as defined in 42 U.S.C. 1395ff(f) for Medicare purposes.

(e) The coverage required by this section may not be subject to an annual or lifetime limitation.

As added by P.L.190-2023, SEC.32.
Ind. Code § 27-13-8-4 — Indiana Code / Title 27 / Article 13 / Chapter 8 / Section 27-13-8-4
Civil penalties
Status: in_force

Sec. 4. (a) The commissioner may impose a civil penalty of five hundred dollars ($500), after notice and hearing under IC 4-21.5-3, on a health maintenance organization that fails to file an annual statement under this chapter.

(b) A domestic health maintenance organization that fails to file an audited annual financial statement under section 2(a)(1) of this chapter before June 1 of each year without obtaining an extension is subject to a civil penalty of fifty dollars ($50) per day until the report is received by the commissioner.

As added by P.L.203-2001, SEC.23.
Ind. Code § 27-8-20-8 — Indiana Code / Title 27 / Article 8 / Chapter 20 / Section 27-8-20-8
Enforcement of chapter
Status: in_force

Sec. 8. The commissioner has the authority to enforce this chapter under the provisions of IC 27-1-3-19, IC 27-9, and IC 27-13.

As added by P.L.277-1993(ss), SEC.120. Amended by P.L.26-1994, SEC.21.
Ind. Code § 27-9-3.1-17 — Indiana Code / Title 27 / Article 9 / Chapter 3.1 / Section 27-9-3.1-17
Avoidance of transfer by receiver
Status: in_force

Sec. 17. Notwithstanding IC 27-9-3 and this chapter, a receiver may not avoid a transfer of money or other property arising in connection with:

(1) a netting agreement or qualified financial contract;

(2) a pledge, security, collateral, reimbursement, guarantee agreement, or similar security agreement; or

(3) an arrangement or credit enhancement relating to a netting agreement or qualified financial contract;

made before the commencement of a formal delinquency proceeding under IC 27-9-3. However, a receiver may avoid a transfer made with actual intent to hinder, delay, or defraud the insurer, the insurer's receiver, or creditors.

As added by P.L.11-2011, SEC.36.
Ind. Code § 27-8-31.2-3 — Indiana Code / Title 27 / Article 8 / Chapter 31.2 / Section 27-8-31.2-3
"Mail order or Internet based pharmacy"
Status: in_force

Sec. 3. 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.4.
Ind. Code § 27-2-25-13 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-13
Provision of good faith estimate; methods
Status: in_force

Sec. 13. A health carrier may provide a good faith estimate to an individual under this chapter:

(1) in a writing delivered to the individual;

(2) by electronic mail; or

(3) through a mobile application or other Internet web based method, if available;

according to the preference expressed by the individual.

As added by P.L.93-2020, SEC.13.
Ind. Code § 27-13-38-1 — Indiana Code / Title 27 / Article 13 / Chapter 38 / Section 27-13-38-1
Drug and devices formularies
Status: in_force

Sec. 1. (a) A health maintenance organization may apply a formulary to the prescription drug and devices benefits provided by the health maintenance organization if the formulary is developed, reviewed, and updated:

(1) in consultation with; and

(2) with the approval of;

a pharmacy and therapeutics committee, a majority of whose members are licensed physicians.

(b) If a health maintenance organization maintains one (1) or more drug and devices formularies, the health maintenance organization shall do the following:

(1) Disseminate to participating providers and pharmacists the complete drug and devices formulary or formularies maintained by the health maintenance organization, including a list of the devices and prescription drugs on the formulary by major therapeutic category that specifies whether a particular drug or device is preferred over other drugs or devices.

(2) Establish and maintain an expeditious process or procedure that allows an enrollee to obtain, without penalty or additional cost sharing beyond that provided for in the enrollee's covered benefits with the health maintenance organization, coverage for a specific, medically necessary and appropriate nonformulary drug or device without prior approval from the health maintenance organization.

(c) A health maintenance organization may not:

(1) void a contract; or

(2) refuse to renew a contract;

between the health maintenance organization and a prescribing provider because the prescribing provider has prescribed a medically necessary and appropriate nonformulary drug or device as provided in subsection (b)(2).

As added by P.L.69-1998, SEC.16.
Ind. Code § 27-8-38-3 — Indiana Code / Title 27 / Article 8 / Chapter 38 / Section 27-8-38-3
"Emergency ambulance services"
Status: in_force

Sec. 3. As used in this chapter, "emergency ambulance services" has the meaning set forth in IC 16-18-2-107.

As added by P.L.170-2022, SEC.38.
Ind. Code § 27-1-37.3-8 — Indiana Code / Title 27 / Article 1 / Chapter 37.3 / Section 27-1-37.3-8
List of third parties with access to contracted health care services
Status: in_force

Sec. 8. (a) A contractor that leases, rents, or otherwise grants access to a provider's health care services as described in section 7(2) of this chapter shall maintain an Internet web page or a toll free telephone number through which the provider may obtain a listing, updated at least semiannually, of the third parties to which access to the provider's health care services has been granted.

(b) A contractor shall, at the time a health care contract is entered into with a provider, identify and provide any preferred provider organization, preferred provider network, physician hospital organization, or other entity identified in section 7(2)(B)(ii) of this chapter that is known at the time of contracting, to which the contractor will grant access to the provider's health care services under section 7 of this chapter.

As added by P.L.55-2008, SEC.1.
Ind. Code § 27-1-37.5-8 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-8
Repealed
Status: repealed

As added by P.L.77-2018, SEC.2. Repealed by P.L.144-2025, SEC.15.
Ind. Code § 27-1-2.3-4 — Indiana Code / Title 27 / Article 1 / Chapter 2.3 / Section 27-1-2.3-4
"Health plan"
Status: in_force

Sec. 4. (a) As used in this chapter, "health plan" means either of the following:

(1) 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).

(2) 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 does not include the state employee health plan.

As added by P.L.170-2022, SEC.36. Amended by P.L.163-2024, SEC.6.
Ind. Code § 27-3-1-5 — Indiana Code / Title 27 / Article 3 / Chapter 1 / Section 27-3-1-5
Vesting of title to shares without physical transfer or deposit of certificates; rights represented by outstanding certificates
Status: in_force

Sec. 5. (a) Upon the plan of exchange becoming effective, the exchange provided for therein shall be deemed to have been consummated, each shareholder of the domestic company shall cease to be a shareholder of such company, the ownership of all shares of the issued and outstanding stock of the domestic company, except shares payment of the value of which is required to be made by the domestic company or the acquiring corporation pursuant to section 3 of this chapter, shall vest in the acquiring corporation automatically without any physical transfer or deposit of certificates representing such shares, and all shares payment of the value of which is required to be made by the domestic company or the acquiring corporation pursuant to section 3 of this chapter shall be deemed no longer outstanding shares of the domestic company. The acquiring corporation shall thereupon become the sole shareholder of the domestic company and shall have all of the rights, privileges, immunities, and powers and, except as otherwise provided in this chapter, shall be subject to all of the duties and liabilities to the extent provided by law of a shareholder of an insurance company organized or reorganized under IC 27-1 or any statute enacted prior to March 8, 1935.

(b) Certificates representing shares of the domestic company prior to the plan of exchange becoming effective, except certificates representing shares payment of the value of which is required to be made pursuant to section 3 of this chapter and bearing a notation thereon that objection and demand pursuant to such section have been made, shall, after the plan of exchange becomes effective, represent:

(i) shares of the issued and outstanding capital stock or other securities issued by the acquiring corporation; and

(ii) the right, if any, to receive such cash or other consideration upon such terms as shall be specified in the plan of exchange;

provided, that the plan of exchange may specify that all certificates representing shares of stock of the domestic company, except certificates representing shares payment of the value of which is required to be made pursuant to section 3 of this chapter, shall after the plan of exchange becomes effective represent only the right to receive shares of stock or other securities issued by the acquiring corporation or cash or other consideration or any combination thereof upon such terms as shall be specified in the plan of exchange. Certificates representing shares of the domestic company with respect to which an objection and demand have been made pursuant to section 3 of this chapter and bearing a notation thereon that such objection and demand have been made, shall, after the plan of exchange becomes effective, represent only the right to receive payment therefor, subject to the provisions of this chapter.

Formerly: Acts 1967, c.61, s.5. As amended by P.L.252-1985, SEC.141.
Ind. Code § 27-8-5.6-2 — Indiana Code / Title 27 / Article 8 / Chapter 5.6 / Section 27-8-5.6-2
Policy provisions
Status: in_force

Sec. 2. (a) Except as provided in subsection (b), all individual and group accident and sickness insurance policies or contracts which provide coverage on an expense incurred basis or a provision of service basis for:

(1) an individual insured, certificate holder, or subscriber; or

(2) a family member or child of the insured, certificate holder, or subscriber;

shall, as to such individual or family members' coverage, also provide that the insurance benefits applicable for the individual or family member shall be payable with respect to a newly born child of the insured, certificate holder, or subscriber from the moment of birth.

(b) Subsection (a) does not require the coverage of a newly born child of an insured or a subscriber under an individual accident and sickness policy or contract if the pregnancy resulting in the birth of the newly born child was a condition that existed prior to the issuance of the policy or contract. If the pregnancy resulting in the birth of a newly born child was a condition that existed prior to the issuance of the policy or contract, coverage for the newly born child under the policy or contract is subject to the underwriting practices followed by the insurer at the time of the birth of the child.

(c) The coverage for newly born children required by subsection (a) shall consist of coverage of injury or sickness, including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities. Coverage for newly born children required by subsection (a) shall include but not be limited to benefits for inpatient or outpatient expenses arising from medical and dental treatment (including orthodontic and oral surgery treatment) involved in the management of birth defects known as cleft lip and cleft palate.

Formerly: Acts 1975, P.L.282, SEC.1. As amended by P.L.259-1985, SEC.1; P.L.267-1987, SEC.6; P.L.257-1995, SEC.1; P.L.189-1997, SEC.1.
Ind. Code § 27-1-45.5-3 — Indiana Code / Title 27 / Article 1 / Chapter 45.5 / Section 27-1-45.5-3
Application for certificate of authority; application deadline
Status: in_force

Sec. 3. (a) Before December 31, 2030, IPEP shall apply to the insurance commissioner for a certificate of authority to transact the business of insurance in Indiana as a domestic tax exempt reciprocal insurance company.

(b) The bylaws or articles of incorporation prepared by IPEP for purposes of IPEP's conversion to a domestic tax exempt reciprocal insurance company must require that the board of the domestic tax exempt reciprocal insurance company be made up of at least seven (7) individuals.

(c) IPEP, in converting to a domestic tax exempt reciprocal insurance company, must meet the requirements and conditions for the formation of a domestic tax exempt reciprocal insurance company set forth in IC 27-1-6, including an examination under IC 27-1-6-17.

As added by P.L.117-2021, SEC.4. Amended by P.L.226-2023, SEC.17; P.L.236-2025, SEC.6.
Ind. Code § 27-8-30-2 — Indiana Code / Title 27 / Article 8 / Chapter 30 / Section 27-8-30-2
"Covered individual" defined
Status: in_force

Sec. 2. As used in this chapter, "covered individual" means an individual who is covered under an accident and sickness insurance policy.

As added by P.L.107-2002, SEC.29.
Ind. Code § 27-1-12-9 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-9
Repealed
Status: repealed

Formerly: Acts 1935, c.162, s.153; Acts 1943, c.189, s.4. As amended by P.L.252-1985, SEC.62. Repealed by P.L.276-2013, SEC.4.
Ind. Code § 27-1-41-9 — Indiana Code / Title 27 / Article 1 / Chapter 41 / Section 27-1-41-9
Certificate of coverage; notice
Status: in_force

Sec. 9. (a) A certificate that is issued under a group insurance policy to an individual participating group member must include the following information:

(1) The full name and address of the insurer.

(2) The policy number of the master policy.

(3) The full name, address, and telephone number of the group administrator that holds the master policy.

(4) A description of the coverage provided under the certificate, including the amount and term of the coverage.

(5) The amount of premium charged to the individual participating group member for the coverage.

(6) Coverage limits that specifically apply under the individual participating group member's certificate.

(7) Unless:

(A) the master policy is incorporated by reference in the certificate; and

(B) a copy of the master policy accompanies the certificate;

all material terms and conditions of coverage under the certificate.

(b) An insurer shall provide to each individual participating group member separate notice that provides instructions on claim submission procedures.

(c) An insurer or group administrator shall deliver to each individual participating group member a certificate, an amended certificate, or an endorsement to a certificate if any of the following occurs:

(1) A change in coverage limits.

(2) A change in the type of coverage provided.

(3) An addition to, reduction in, or elimination of coverage provided.

(4) An addition of an exclusion of coverage.

As added by P.L.32-2012, SEC.2.
Ind. Code § 27-10-3-2 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-2
Expiration of license; reinstatement
Status: in_force

Sec. 2. (a) All licenses issued expire two (2) years after the end of the month of issue.

(b) A license that has expired may be reinstated if:

(1) the licensee:

(A) applies for reinstatement not more than ninety (90) days after the expiration date;

(B) is not on probation;

(C) has not previously been denied a license;

(D) pays:

(i) the license fee required under section 7 of this chapter; plus

(ii) to the commissioner a license reinstatement fee of one hundred dollars ($100); and

(E) meets all other requirements for licensure; and

(2) the license was not revoked or suspended at the time that the license expired.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.13; P.L.1-1994, SEC.141; P.L.102-2005, SEC.1; P.L.81-2012, SEC.38.
Ind. Code § 27-1-24.2-15 — Indiana Code / Title 27 / Article 1 / Chapter 24.2 / Section 27-1-24.2-15
Required provisions in a contract between a pharmacy or pharmacist and a pharmacy benefit manager; prohibition on requesting a refund or making a recoupment of a dispensing fee if the correct medication was dispensed
Status: in_force

Sec. 15. (a) A contract between a pharmacy or pharmacist and an insurer, a pharmacy benefit manager, or any other administrator of pharmacy benefits for the provision of pharmacy or pharmacist services under a health plan, either directly or through a pharmacy services administrative organization or group purchasing organization, must include provisions that do the following:

(1) Outline the terms and conditions for the provision of pharmacy or pharmacist services.

(2) Subject to subsection (b), prohibit the insurer, pharmacy benefit manager, or other administrator from retroactively denying, reducing reimbursement for, or seeking any refunds or recoupments for a claim for pharmacy or pharmacist services, in whole or in part, from the pharmacy or pharmacist after returning a paid claim response as part of the adjudication of the claim, including claims for the cost of a medication or dispensed product and claims for pharmacy or pharmacist services that are deemed ineligible for coverage, unless:

(A) the original claim was submitted fraudulently; or

(B) the pharmacy or pharmacist received an actual overpayment.

(3) Prohibit the insurer, pharmacy benefit manager, or other administrator from reimbursing the pharmacy or pharmacist for a prescription drug or other service at a net amount that is less than the greater of the following:

(A) The amount the insurer, pharmacy benefit manager, or other administrator reimburses itself or a pharmacy affiliate for the same prescription drug by national drug code number or service.

(B) The following amount, as applicable:

(i) If the prescription drug or service is administered, dispensed, or provided at a pharmacy that is a licensed premises (as defined in IC 7.1-1-3-20), the actual acquisition cost for the prescription drug or service plus a fair and reasonable dispensing fee.

(ii) If the prescription drug or service is administered, dispensed, or provided at a pharmacy not described in item (i), the national average drug acquisition cost (NADAC) for the prescription drug or service, as determined by the federal Centers for Medicare and Medicaid Services at the time the prescription drug or service is administered, dispensed, or provided plus a professional dispensing fee equal to the Medicaid fee for service dispensing fee under 405 IAC 5-24-6.

(b) An insurer, a pharmacy benefit manager, or any other administrator of pharmacy benefits may not request a refund or make a recoupment of a dispensing fee paid to the pharmacy if the correct medication was dispensed to the patient.

As added by P.L.189-2025, SEC.1.
Ind. Code § 27-8-1-4 — Indiana Code / Title 27 / Article 8 / Chapter 1 / Section 27-8-1-4
Statement of initial applications and deposit of first assessment
Status: in_force

Sec. 4. Before the charter is granted to such a corporation, it shall file its statement, sworn to by at least two (2) of its executive officers, with the proper state officers, showing that application has been made for not less than two hundred thousand dollars ($200,000) insurance by not less than one hundred (100) persons, and that the amount of the first assessment on each policy or certificate has been deposited in the bank to the credit of the mortuary fund; and it shall be lawful for any corporation, association, or society, or its agents, to solicit and secure business to that amount, for the purpose provided in this chapter, before its charter shall have been granted.

Formerly: Acts 1883, c.136, s.4. As amended by P.L.136-2018, SEC.188.
Ind. Code § 27-7-2-12 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-12
Representative of department; appointment; powers and duties
Status: in_force

Sec. 12. The department may authorize any person to attend meetings of the rating bureau, hold hearings, make investigations, and make examinations with reference to any subject over which it has jurisdiction under this chapter. The person so appointed shall have all the powers of the department in relation to said hearings, investigations, or examinations, and shall report in writing to the department the results of such hearings, examinations, or investigations, and any testimony taken by him.

Formerly: Acts 1935, c.323, s.12. As amended by P.L.252-1985, SEC.232.
Ind. Code § 27-4-1-5.5 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-5.5
Repealed
Status: repealed

As added by P.L.121-1990, SEC.3; P.L.149-1990, SEC.1. Repealed by P.L.1-1991, SEC.165.
Ind. Code § 27-5.1-2-12 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-12
Election of director; term of office; election of officers; annual board meeting
Status: in_force

Sec. 12. (a) Unless a farm mutual insurance company's articles of incorporation specify otherwise, a director of a farm mutual insurance company must be elected at the farm mutual insurance company's annual policyholder meeting by the affirmative vote of a majority of:

(1) the policyholders present and voting; and

(2) the policyholders voting by proxy, if voting by proxy is allowed by the farm mutual insurance company's articles of incorporation.

(b) The term of office of a director must be at least one (1) year but not more than five (5) years. A farm mutual insurance company's articles of incorporation may provide for the classification of directors into three (3) groups, and the terms of the directors may be staggered. A vacancy on the board of directors may be filled for the unexpired term through an appointment made by the remaining directors.

(c) The board of directors of a farm mutual insurance company shall, by vote of a majority of the directors, elect the officers designated in the farm mutual insurance company's bylaws. The directors may also elect any additional officers that the directors determine are necessary. An officer elected under this subsection is not required to be a director.

(d) The term of an officer elected under subsection (c) may not be less than one (1) year or more than three (3) years. An outgoing officer shall hold office until the officer's successor is either elected or selected and qualified.

(e) The board of directors of a farm mutual insurance company shall hold a separate meeting of the board of directors immediately after the farm mutual insurance company's annual meeting.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-8-12-4.5 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-4.5
"Long term care facility" defined
Status: in_force

Sec. 4.5. As used in this chapter, "long term care facility" has the meaning set forth in IC 12-15-39.6-2.

As added by P.L.75-1994, SEC.9. Amended by P.L.24-1997, SEC.63.
Ind. Code § 27-4-1-17 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-17
Construction and application
Status: in_force

Sec. 17. (a) This chapter shall be, and shall be construed as being, in addition to IC 27-1, and in addition to IC 27-7-2, and in addition to any and all statutes supplemental to either, and in addition to any and all other laws of the state of Indiana concerning insurance or the business of insurance, whether enacted at any time in the 1947 regular session or at any preceding session of the general assembly of the state of Indiana.

(b) Whereas certain unlawful practices are set forth in other insurance statutes of the state of Indiana which unlawful practices are similar or identical to those enumerated in section 4 of this chapter and are characterized in other insurance statutes as criminal in nature, it is deemed desirable to retain the criminal penalties imposed by other insurance statutes; for that purpose, nothing contained in this chapter shall be construed to repeal, amend, or otherwise to affect in any way IC 27-1, IC 27-7-2, or any other law of the state of Indiana concerning insurance or the business of insurance whether enacted at any time in the 1947 regular session or at any preceding session of the general assembly of the state of Indiana, it being the intent of this chapter to provide additional administrative remedies for the purpose of controlling unfair methods of competition and unfair and deceptive acts and practices in and affecting the business of insurance.

(c) Nothing in this chapter shall be construed as exempting or excepting from the provisions of this chapter any person engaged in the business of insurance in this state, except as in this chapter otherwise expressly provided.

Formerly: Acts 1947, c.112, s.18. As amended by P.L.252-1985, SEC.157.
Ind. Code § 27-8-5-29 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-29
Health plans offered through health benefit exchange
Status: in_force

Sec. 29. (a) The definitions in IC 27-19-2 apply throughout this section.

(b) A health plan may not be offered to any person in Indiana through a health benefit exchange unless:

(1) the form of the policy, classification of risks, and premium rates that apply to the health plan have been filed with and reviewed and approved by the commissioner under this chapter; and

(2) the insurer is authorized under this title to engage in the business of insurance in Indiana.

(c) An insurer that offers a multistate health plan under Section 1334 of PPACA through a health benefit exchange shall file, for review and approval, the form of the policy, classification of risks, and premium rates that apply to the multistate health plan with the commissioner within five (5) business days of the date on which the same filing is made with the federal government.

(d) This title, in conformity with PPACA, applies to a health plan offered through a health benefit exchange to the same extent that this title would apply if the health plan were offered independently of a health benefit exchange.

As added by P.L.278-2013, SEC.25.
Ind. Code § 27-10-4-6 — Indiana Code / Title 27 / Article 10 / Chapter 4 / Section 27-10-4-6
Payments for apprehension or surrender of defendants
Status: in_force

Sec. 6. (a) A person may not give or receive anything of value in exchange for the apprehension or surrender of a defendant unless the payment is made:

(1) to a law enforcement agency for actual expenses incurred in the apprehension or surrender, or both, of the defendant, or other lawful fees; or

(2) to a bail agent or recovery agent properly licensed under this article.

(b) A bail agent or recovery agent who knowingly or intentionally gives or offers to give anything of value to any law enforcement officer, officer of the court, or other public servant, except as permitted by subsection (a), commits a Level 6 felony.

(c) A person who recklessly violates this section, except as provided in subsection (b), commits a Class B misdemeanor.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.30; P.L.158-2013, SEC.299.
Ind. Code § 27-1-15.6-24.1 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-24.1
Personal property and casualty fees
Status: in_force

Sec. 24.1. A licensed insurance producer may charge a reasonable fee for personal lines property and casualty insurance or services related to personal lines property and casualty insurance subject to the following requirements:

(1) The amount of a fee and the basis for calculating a fee may not vary among personal lines insureds.

(2) The amount of a fee is subject to the approval of the commissioner.

As added by P.L.173-2007, SEC.12.
Ind. Code § 27-5.1-1-9 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-9
"Initial charge"
Status: in_force

Sec. 9. "Initial charge" means a charge that is collected by a farm mutual insurance company before or at the time of the issuance or renewal of an insurance policy under this article.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-1-36-12 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-12
"Mandatory control level RBC"
Status: in_force

Sec. 12. As used in this chapter, "mandatory control level RBC" means, with respect to an insurer, the product of seven-tenths (.7) multiplied by the insurer's authorized control level RBC.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-6-9-12 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-12
Reinsurance intermediary-broker; requirements
Status: in_force

Sec. 12. No person, firm, association, or corporation may act as a RB in Indiana if the RB maintains an office either directly, or as a member or employee of a firm or association, or as an officer, director, or employee of a corporation:

(1) in Indiana, unless the RB is a licensed producer in Indiana; or

(2) in another state, unless the RB:

(A) is a licensed producer in Indiana or another state having a law substantially similar to this chapter; or

(B) is licensed in Indiana as a nonresident reinsurance intermediary.

As added by P.L.26-1991, SEC.26.
Ind. Code § 27-7-10-11 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-11
"Risk retention group" defined
Status: in_force

Sec. 11. (a) As used in this chapter, "risk retention group" means any corporation or other limited liability association:

(1) whose primary activity consists of assuming and spreading all or any portion of the liability exposure of its group members;

(2) that is organized for the primary purpose of conducting the activity described in subdivision (1);

(3) that:

(A) is chartered and licensed as a liability insurance company and authorized to engage in the business of insurance under the laws of any state; or

(B) before January 1, 1985, was chartered or licensed and authorized to engage in the business of insurance under the laws of Bermuda or the Cayman Islands and, before January 1, 1985, had certified to the insurance commissioner of at least one (1) state that it satisfied the capitalization requirements of that state;

(4) that does not exclude any person from membership in the group solely to provide the members of the group a competitive advantage over that person;

(5) that:

(A) has as its owners only persons who comprise the membership of the risk retention group and who are provided insurance by that group; or

(B) has as its sole owner an organization which:

(i) has as its members only persons who comprise the membership of the risk retention group; and

(ii) is owned entirely by persons who comprise the membership of the risk retention group and who are provided insurance by that group;

(6) whose members are engaged in businesses or activities similar or related with respect to the liability to which the members are exposed by virtue of any related, similar, or common business, trade, product, services, premises, or operations;

(7) whose activities do not include the provision of insurance other than:

(A) liability insurance for assuming and spreading all or any portion of the liability of its group members; and

(B) reinsurance with respect to the liability of:

(i) any other risk retention group; or

(ii) any member of any other risk retention group;

that is engaged in business or activities that would make the group or group member eligible for membership, under subdivision (6), in the risk retention group that provides the reinsurance;

(8) whose name includes the phrase "Risk Retention Group".

(b) The term "risk retention group" includes a corporation or limited liability association described in subsection (a)(3)(B):

(1) only if that corporation or association has been engaged in business continuously since January 1, 1985; and

(2) only for the purpose of continuing to provide insurance to cover product liability or completed operations liability.

As used in this subsection, the terms "product liability" and "completed operations liability" have the meanings set forth in 15 U.S.C. 3901 before October 27, 1986.

As added by P.L.162-1988, SEC.2.
Ind. Code § 27-2-10-5 — Indiana Code / Title 27 / Article 2 / Chapter 10 / Section 27-2-10-5
Exemption of arbitrage transactions
Status: in_force

Sec. 5. The provisions of sections 1, 2, and 3 of this chapter shall not apply to foreign or domestic arbitrage transactions unless made in contravention of such rules as the insurance commissioner may adopt in order to carry out the purposes of this chapter.

Formerly: Acts 1965, c.5, s.5. As amended by P.L.252-1985, SEC.133.
Ind. Code § 27-15-1-10 — Indiana Code / Title 27 / Article 15 / Chapter 1 / Section 27-15-1-10
"Membership interests"
Status: in_force

Sec. 10. "Membership interests" means:

(1) the voting rights of members of a domestic mutual insurance company as provided by law and by the company's articles of incorporation and bylaws; and

(2) the rights of members of a domestic mutual insurance company to receive cash, stock, or other consideration in the event of a conversion to a stock insurance company under this article or a dissolution under IC 27-1-10, as provided by those laws and by the company's articles of incorporation and bylaws.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-12.8-28 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-28
Reserves according to commissioners annuity reserve method
Status: in_force

Sec. 28. (a) This section applies to an annuity or a pure endowment contract other than a group annuity or pure endowment contract that is purchased under a retirement plan or plan of deferred compensation that is established or maintained by:

(1) an employer (including a partnership or sole proprietorship);

(2) an employee organization; or

(3) both;

other than a plan providing individual retirement accounts or individual retirement annuities under Section 408 of the Internal Revenue Code.

(b) Reserves according to the commissioners annuity reserve method for benefits under an annuity or a pure endowment contract, excluding disability and accidental death benefits in a contract, is the greatest of the respective excesses of:

(1) the present value (on the date of valuation) of the future guaranteed benefits, including guaranteed nonforfeiture benefits, provided for by the contract at the end of each respective contract year; over

(2) the present value (on the date of valuation) of any future valuation considerations derived from future gross considerations required by the terms of the contract, that become payable before the end of the respective contract year.

The future guaranteed benefits must be determined by using any mortality table, if applicable, and the interest rate or rates specified in the contracts for determining guaranteed benefits. The valuation considerations are the portion of the respective gross considerations applied under the terms of a contract to determine the nonforfeiture value.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-1-3-20 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-20
Certificate of authority; issuance; necessity; removal of unqualified officers or directors; violations; civil penalties
Status: in_force

Sec. 20. (a) The commissioner may issue a certificate of authority to any company when it shall have complied with the requirements of the laws of this state so as to entitle it to do business in Indiana. The certificate shall be issued under the seal of the department authorizing and empowering the company to make the kind or kinds of insurance specified in the certificate. No certificate of authority shall be issued until the commissioner has found that:

(1) the company has submitted a sound plan of operation; and

(2) the general character and experience of the incorporators, directors, and proposed officers is such as to assure reasonable promise of a successful operation, based on the fact that such persons are of known good character and that there is no good reason to believe that they are affiliated, directly or indirectly, through ownership, control, management, reinsurance transactions, or other insurance or business relations with any person or persons known to have been involved in the improper manipulation of assets, accounts, or reinsurance.

No certificate of authority shall be denied, however, under subdivision (1) or (2) until notice, hearing, and right of appeal has been given as provided in IC 4-21.5.

(b) Every company possessing a certificate of authority shall notify the commissioner of the election or appointment of every new director or principal officer, within thirty (30) days thereafter. If in the commissioner's opinion such a new principal officer or director does not meet the standards set forth in this section, the commissioner shall request that the company effect the removal of such persons from office. If such removal is not accomplished as promptly as under the circumstances and in the opinion of the commissioner is possible, then upon notice to both the company and such principal officer or director and after notice, hearing, and right of appeal pursuant to IC 4-21.5, and after a finding that such person is incompetent or untrustworthy or of known bad character, the commissioner may order the removal of such person from office and may, unless such removal is promptly accomplished, suspend the company's certificate of authority until there is compliance with such order.

(c) No company shall transact any business of insurance or hold itself out as a company in the business of insurance in Indiana until it shall have received a certificate of authority as prescribed in this section.

(d) No company shall make, issue, deliver, sell, or advertise any kind or kinds of insurance not specified in the company's certificate of authority.

(e) Notwithstanding IC 27-1-2-4, a director or officer of a company who knowingly, intentionally, or recklessly violates subsection (c) or (d) commits a Level 6 felony.

(f) The commissioner shall impose a civil penalty of not more than twenty-five thousand dollars ($25,000) on a director or officer of a company that violates subsection (c) or (d). The amount imposed must be proportionate to the costs incurred by the department of insurance, other governmental entities, and the courts in regulating the activity of the director, officer, or company who violates subsection (c) or (d). A civil penalty imposed under this subsection may be enforced in the same manner as a civil judgment.

Formerly: Acts 1935, c.162, s.27; Acts 1967, c.127, s.1; Acts 1975, P.L.278, SEC.1. As amended by P.L.7-1987, SEC.135; P.L.67-1998, SEC.1; P.L.158-2013, SEC.296; P.L.136-2018, SEC.145.
Ind. Code § 27-1-36-43 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-43
Action by commissioner after mandatory control level event with respect to property and casualty insurer
Status: in_force

Sec. 43. (a) If a mandatory control level event occurs with respect to a property and casualty insurer, the commissioner:

(1) shall take the actions necessary to place the insurer under regulatory control under IC 27-9; or

(2) in the case of an insurer that is not writing business and that is running off its existing business, may allow the insurer to continue its run-off under the supervision of the commissioner.

(b) A mandatory control level event is sufficient grounds for the commissioner to take action against a property and casualty insurer under IC 27-9, and the commissioner has the rights, powers, and duties with respect to the insurer that are set forth in IC 27-9.

(c) If the commissioner takes action against a property and casualty insurer under an adjusted RBC report, the insurer is entitled to the protections of IC 27-9-2 pertaining to summary proceedings.

(d) The commissioner may forego action for not more than ninety (90) days after the mandatory control level event if the commissioner finds there is a reasonable expectation that the mandatory control level event may be eliminated within the ninety (90) day period.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-8-11-13.5 — Indiana Code / Title 27 / Article 8 / Chapter 11 / Section 27-8-11-13.5
Provisional credentialing for physicians; conditions
Status: in_force

Sec. 13.5. (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 an insurer:

(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 insurer 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 insurer;

whichever is earlier.

(d) Notwithstanding section 7(k) of this chapter, an insurer 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 insurer under section 3 of this chapter; or

(2) if:

(A) the physician's new employer has not entered into an agreement with the insurer under section 3 of this chapter; or

(B) the physician established or relocated a medical practice;

the agreement between the physician and the insurer under section 3 of this chapter 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.64.
Ind. Code § 27-1-29-28 — Indiana Code / Title 27 / Article 1 / Chapter 29 / Section 27-1-29-28
Authorized actions of commissioner; fund
Status: in_force

Sec. 28. (a) As used in this section, "fund" means the political subdivision risk management fund established by section 10 of this chapter.

(b) Upon a determination by the commissioner that:

(1) all members have withdrawn from the fund; and

(2) all payments of liabilities of former members of the fund have been determined and finalized;

the commissioner is authorized to take action under subsection (c).

(c) Under the circumstances set forth in subsection (b), the commissioner shall do the following with respect to the fund:

(1) Prevent any political subdivision that is not already a member of the fund from becoming a member.

(2) Decline to renew the membership of the political subdivisions that are members of the fund.

(3) Cease the operation of the fund.

(4) Distribute the balance in the fund, including the reserve account created under section 10(f) of this chapter, to former members of the fund, distributing to each former member of the fund an amount proportional to the total of:

(A) assessments paid under section 12 of this chapter; and

(B) surcharges paid under section 7(b)(10) of this chapter;

by the former member, regardless of when the former member withdrew from the fund.

As added by P.L.103-1998, SEC.1. Amended by P.L.46-2023, SEC.2.
Ind. Code § 27-7-2-3.1 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-3.1
Duties of bureau
Status: in_force

Sec. 3.1. The bureau, in addition to other activities not prohibited, is authorized to do the following:

(1) Develop a statistical plan including class definitions.

(2) Collect statistical data from members, subscribers or any other source.

(3) Prepare and distribute rate data, adjusted for loss development and loss trending, in accordance with its statistical plan. Such data and adjustments shall be in sufficient detail so as to permit companies to modify such rates or minimum premiums based on their own rating methods or interpretations of underlying data.

(4) Prepare and distribute manuals of rating rules and rating schedules.

(5) Distribute information that is filed with the commissioner and open to public inspection.

(6) Conduct research and collect statistics in order to discover, identify, and classify information relating to cause or prevention of losses.

(7) Prepare and file policy forms and endorsements and consult with members, subscribers, and others relative to their use and application.

(8) Collect, compile, and distribute past and current prices of individual companies if such information is made available to the general public.

(9) Conduct research and collect information to determine the impact of benefit level changes on rates.

(10) Prepare and distribute rules and rating values for the experience rating plan. Calculate and disseminate individual risk premium modification.

(11) Assist an individual company to develop minimum premiums, rates, supplementary rate information, or supporting information when so authorized by the individual company.

As added by P.L.249-1989, SEC.4.
Ind. Code § 27-8-24.2-6 — Indiana Code / Title 27 / Article 8 / Chapter 24.2 / Section 27-8-24.2-6
Coverage and reimbursement
Status: in_force

Sec. 6. The:

(1) coverage required under section 5 of this chapter must be equal to the coverage that is provided for the same device, repair, or replacement under the federal Medicare program (42 U.S.C. 1395 et seq.); and

(2) reimbursement under the coverage required under section 5 of this chapter must be equal to the reimbursement that is provided for the same device, repair, or replacement under the federal Medicare reimbursement schedule, unless a different reimbursement rate is negotiated.

This section does not require a deductible under a policy of accident and sickness insurance to be equal to a deductible under the federal Medicare program.

As added by P.L.109-2008, SEC.2.
Ind. Code § 27-14.5-1-17 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-17
"Intermediate stock holding company"
Status: in_force

Sec. 17. "Intermediate stock holding company" means an entity, other than a reorganized insurer and its subsidiaries, that:

(1) is owned entirely or in part, directly or indirectly, by a mutual insurance holding company; and

(2) directly or indirectly owns all or part of the capital stock of a reorganized insurer.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-3-34 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-34
Proof of mailing
Status: in_force

Sec. 34. For purposes of this title, a person may use the following as proof of mailing:

(1) A United States Postal Service intelligent mail bar code tracking record, as proof of the type of mailing to which the record applies.

(2) A United States Postal Service certificate of mailing at the last known address of the recipient, as proof of the type of mailing to which the certificate applies.

(3) Another similar method of first class mail tracking that identifies the recipient, the recipient's last known address, and the date of mailing, as proof of mailing by first class mail.

As added by P.L.148-2017, SEC.1.
Ind. Code § 27-1-27-7.1 — Indiana Code / Title 27 / Article 1 / Chapter 27 / Section 27-1-27-7.1
Violations; penalties; notice and hearing
Status: in_force

Sec. 7.1. (a) The insurance commissioner:

(1) may:

(A) suspend;

(B) revoke; or

(C) refuse to issue or renew;

a public adjuster's certificate of authority; or

(2) may place a public adjuster on probation;

for a cause set forth in subsection (b).

(b) A public adjuster is subject to the penalties set forth in subsection (a) for any of the following:

(1) Providing incorrect, misleading, incomplete, or materially untrue information in an application for a certificate of authority.

(2) Violating an insurance law, a subpoena, or an order of the commissioner or another state's insurance commissioner.

(3) Obtaining or attempting to obtain a certificate of authority through misrepresentation or fraud.

(4) Improperly withholding, misappropriating, or converting money or property received in the course of doing insurance business.

(5) Intentionally misrepresenting the terms of an actual or proposed insurance contract or application for insurance.

(6) Having been convicted of a felony.

(7) Having admitted or been found to have committed any unfair trade practice or fraud in the business of insurance.

(8) Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility, in the conduct of insurance business.

(9) Having an insurance license, or the equivalent of an insurance license, probated, suspended, revoked, or refused in another state, province, district, or territory.

(10) Forging another person's name to a document related to an insurance transaction.

(11) Cheating, including improperly using notes or any other reference material, to complete an examination for an insurance license.

(12) Failing to comply with an administrative or court order imposing a child support obligation.

(13) Failing to pay state income tax or failing to comply with an administrative or court order directing payment of state income tax.

(14) Committing a violation of section 1.5, sections 12 through 17, section 19, or section 20 of this chapter.

(c) If the commissioner refuses an application for a certificate of authority to act as a public adjuster or for the renewal of an existing certificate of authority under this chapter, the commissioner shall notify the applicant or certificate holder in writing, advising of the reason for the refusal. The applicant or certificate holder may, not more than thirty (30) days after receiving the commissioner's notice of refusal, make written demand upon the commissioner for a hearing to determine the reasonableness of the refusal. The hearing must be held under IC 4-21.5 not more than twenty (20) days after the commissioner receives the applicant's or certificate holder's written demand.

As added by P.L.146-2015, SEC.27. Amended by P.L.226-2023, SEC.6.
Ind. Code § 27-7-19-4 — Indiana Code / Title 27 / Article 7 / Chapter 19 / Section 27-7-19-4
"Participant"
Status: in_force

Sec. 4. As used in this chapter, "participant" refers to any of the following:

(1) An employer that employs a student in a work based learning program.

(2) A student who is enrolled in a work based learning program.

(3) An intermediary (as defined in IC 21-18-1-3.5).

(4) A school corporation (as defined in IC 20-18-2-16(a)).

(5) A charter school (as defined in IC 20-24-1-4).

As added by P.L.51-2026, SEC.9.
Ind. Code § 27-1-12.3-6 — Indiana Code / Title 27 / Article 1 / Chapter 12.3 / Section 27-1-12.3-6
Inapplicability to contracts issued before September 1, 1981; agreement excepted
Status: in_force

Sec. 6. The provisions of this chapter shall not apply to any insurance contract issued before September 1, 1981, unless the policyholder agrees in writing to the applicability of such provisions.

As added by Acts 1981, P.L.240, SEC.1.
Ind. Code § 27-8-31-20 — Indiana Code / Title 27 / Article 8 / Chapter 31 / Section 27-8-31-20
Commission actions and agreements; effect on compacting states; constitutional violation
Status: in_force

Sec. 20. (a) All lawful actions of the commission, including all rules and operating procedures adopted by the commission, are binding upon the compacting states.

(b) All agreements between the commission and the compacting states are binding in accordance with the terms of the agreements.

(c) Upon the request of a party to a conflict over the meaning or interpretation of commission actions and upon a majority vote of the compacting states, the commission may issue advisory opinions regarding the meaning or interpretation in dispute.

(d) Any provision of this compact that violates the Constitution of the State of Indiana is ineffective in Indiana.

As added by P.L.138-2005, SEC.3.
Ind. Code § 27-1-50.3-9 — Indiana Code / Title 27 / Article 1 / Chapter 50.3 / Section 27-1-50.3-9
Managed care assessment fee holding fund
Status: in_force

Sec. 9. (a) The managed care assessment fee holding fund is established for the purpose of holding the fees collected under this chapter.

(b) The office shall administer the fund.

(c) Money in the fund consists of the following:

(1) Fees collected under this chapter, including penalty payments under section 11 of this chapter.

(2) Donations, gifts, appropriations by the general assembly, and money received from any other source.

(3) Interest accrued under this section.

(d) Money remaining in the fund at the end of a state fiscal year reverts to the state general fund.

(e) The treasurer of state shall invest the money in the fund not currently needed to meet the obligations of the fund in the same manner as other public funds may be invested. Interest that accrues from these investments shall be deposited in the fund.

As added by P.L.216-2025, SEC.47.
Ind. Code § 27-7-6-0.5 — Indiana Code / Title 27 / Article 7 / Chapter 6 / Section 27-7-6-0.5
Applicability
Status: in_force

Sec. 0.5. Section 6 of this chapter, as amended in the 2026 session of the general assembly, applies to automobile insurance policies that are issued, delivered, amended, or renewed on or after January 1, 2027.

As added by P.L.86-2026, SEC.19.
Ind. Code § 27-8-5-16.5 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-16.5
Conditions for issuance of certificate to resident of Indiana under group policy delivered or issued in another state
Status: in_force

Sec. 16.5. (a) As used in this section, "delivery state" means any state other than Indiana in which a policy is delivered or issued for delivery.

(b) Except as provided in subsection (c), (d), or (e), a certificate may not be issued to a resident of Indiana pursuant to a group policy that is delivered or issued for delivery in a state other than Indiana.

(c) A certificate may be issued to a resident of Indiana pursuant to a group policy not described in subsection (d) that is delivered or issued for delivery in a state other than Indiana if:

(1) the delivery state has a law substantially similar to section 16 of this chapter;

(2) the delivery state has approved the group policy; and

(3) the policy or the certificate contains provisions that are:

(A) substantially similar to the provisions required by:

(i) section 19 of this chapter;

(ii) section 21 of this chapter; and

(iii) IC 27-8-5.6; and

(B) consistent with the requirements set forth in:

(i) section 24 of this chapter;

(ii) IC 27-8-6;

(iii) IC 27-8-14;

(iv) IC 27-8-23;

(v) 760 IAC 1-38.1; and

(vi) 760 IAC 1-39.

(d) A certificate may be issued to a resident of Indiana under an association group policy, a discretionary group policy, or a trust group policy that is delivered or issued for delivery in a state other than Indiana if:

(1) the delivery state has a law substantially similar to section 16 of this chapter;

(2) the delivery state has approved the group policy; and

(3) the policy or the certificate contains provisions that are:

(A) substantially similar to the provisions required by:

(i) section 19 of this chapter or, if the policy or certificate is described in section 2.5(b)(2) of this chapter, section 2.5 of this chapter;

(ii) section 19.3 of this chapter if the policy or certificate contains a waiver of coverage;

(iii) section 21 of this chapter; and

(iv) IC 27-8-5.6; and

(B) consistent with the requirements set forth in:

(i) section 15.6 of this chapter;

(ii) section 24 of this chapter;

(iii) section 26 of this chapter;

(iv) IC 27-8-6;

(v) IC 27-8-14;

(vi) IC 27-8-14.1;

(vii) IC 27-8-14.5;

(viii) IC 27-8-14.7;

(ix) IC 27-8-14.8;

(x) IC 27-8-20;

(xi) IC 27-8-23;

(xii) IC 27-8-24.3;

(xiii) IC 27-8-26;

(xiv) IC 27-8-28;

(xv) IC 27-8-29;

(xvi) 760 IAC 1-38.1; and

(xvii) 760 IAC 1-39.

(e) A certificate may be issued to a resident of Indiana pursuant to a group policy that is delivered or issued for delivery in a state other than Indiana if the commissioner determines that the policy pursuant to which the certificate is issued meets the requirements set forth in section 17(a) of this chapter.

(f) This section does not affect any other provision of Indiana law governing the terms or benefits of coverage provided to a resident of Indiana under any certificate or policy of insurance.

As added by P.L.185-1996, SEC.12. Amended by P.L.96-2002, SEC.1; P.L.211-2003, SEC.3; P.L.127-2006, SEC.2; P.L.11-2011, SEC.30.
Ind. Code § 27-8-10-5 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-5
Repealed
Status: repealed

As added by Acts 1981, P.L.249, SEC.1. Amended by P.L.253-1989, SEC.5; P.L.254-1989, SEC.2. Repealed by P.L.1-1990, SEC.263.
Ind. Code § 27-1-3-3 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-3
Seal of department
Status: in_force

Sec. 3. The department of insurance shall have an official seal of such design as may be approved by the insurance commissioner.

Formerly: Acts 1935, c.162, s.10.
Ind. Code § 27-2-27-30 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-30
Exclusivity
Status: in_force

Sec. 30. Notwithstanding any other provision of law, this chapter establishes the exclusive state standards applying to licensees for:

(1) data security;

(2) the investigation of a cybersecurity event; and

(3) notification to the insurance commissioner concerning a cybersecurity event.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-5.1-2-7 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-7
Exemption from Indiana insurance laws
Status: in_force

Sec. 7. Except as provided in section 8 of this chapter, a farm mutual insurance company that operates under this article is exempt from any other Indiana insurance law unless the law expressly states that the law is applicable to a farm mutual insurance company.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-8-11-4 — Indiana Code / Title 27 / Article 8 / Chapter 11 / Section 27-8-11-4
Accessibility and availability terms; reasonable standards
Status: in_force

Sec. 4. Policies issued under section 3(a)(3) or section 3.1 of this chapter (before its repeal) may not contain terms or conditions that would operate unreasonably to restrict the access and availability of health care services for the insured. The commissioner of insurance may, under IC 4-22-2, adopt rules binding upon insurers prescribing reasonable standards relating to the accessibility and availability of health care services for persons insured under policies described in section 3(a)(3) or section 3.1 of this chapter (before its repeal).

As added by P.L.140-1984, SEC.1. Amended by P.L.134-1994, SEC.3; P.L.1-1999, SEC.61.
Ind. Code § 27-4-1-6 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-6
Cease and desist order; penalties
Status: in_force

Sec. 6. (a) If after a hearing under IC 4-21.5-3, the commissioner determines that the method of competition or the act or practice in question is defined in section 4 of this chapter and that the person complained of has engaged in such method of competition, act, or practice in violation of this chapter, he shall reduce his findings to writing and shall issue and cause to be served on the person charged with the violation an order requiring such person to cease and desist from such method of competition, act, or practice, and the commissioner may at his discretion order one (1) or more of the following:

(1) Payment of a civil penalty of not more than twenty-five thousand dollars ($25,000) for each act or violation. If the person knew or reasonably should have known that he was in violation of this chapter, the penalty may be not more than fifty thousand dollars ($50,000) for each act or violation.

(2) Suspension or revocation of the person's license, or certificate of authority, if he knew or reasonably should have known he was in violation of this chapter.

(b) In determining the amount of a civil penalty under subsection (a)(1), the commissioner shall consider the remediation efforts undertaken by the person.

(c) All civil penalties imposed and collected under this section shall be deposited in the state general fund.

Formerly: Acts 1947, c.112, s.6. As amended by P.L.259-1983, SEC.3; P.L.7-1987, SEC.146; P.L.121-1990, SEC.4; P.L.149-1990, SEC.2; P.L.203-2001, SEC.8.
Ind. Code § 27-1-3-24 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-24
Declaration of dividend other than from earned surplus; approval
Status: in_force

Sec. 24. (a) As used in this section, "earned surplus" means an amount equal to the unassigned funds of an insurer as set forth in the most recent annual statement of the insurer that is submitted to the commissioner, excluding surplus arising from unrealized capital gains or revaluation of assets.

(b) A domestic insurer may not:

(1) declare; or

(2) pay;

a dividend from any source of money other than earned surplus unless the commissioner approves the payment of the dividend before the dividend is paid.

As added by P.L.130-1994, SEC.3 and P.L.116-1994, SEC.7.
Ind. Code § 27-9-3-18 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-18
Liens
Status: in_force

Sec. 18. (a) A lien obtainable by legal or equitable proceedings upon a simple contract is one arising in the ordinary course of those proceedings upon the entry or docketing of a judgment or decree, or upon attachment, garnishment, execution, or like process, whether before, upon, or after judgment or decree and whether before or upon levy. It does not include liens that under applicable law are given a special priority over other liens that are prior in time.

(b) A lien obtainable by legal or equitable proceedings could become superior to the rights of a transferee, or a purchaser could obtain rights superior to the rights of a transferee within the meaning of section 17 of this chapter, if those consequences would follow only from the lien or purchase itself, or from the lien or purchase followed by any step wholly within the control of the respective lienholder or purchaser, with or without the aid of ministerial action by public officials. A lien could not, however, become superior and a purchase could not create superior rights for the purpose of section 17 of this chapter through any acts after obtaining a lien or after a purchase that requires the agreement or concurrence of any third party or which requires any further judicial action or ruling.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-48-5 — Indiana Code / Title 27 / Article 1 / Chapter 48 / Section 27-1-48-5
"Participating provider"
Status: in_force

Sec. 5. As used in this chapter, "participating provider" refers to the following:

(1) A health care provider that has entered into an agreement with an insurer under IC 27-8-11-3.

(2) A participating provider (as defined in IC 27-13-1-24).

As added by P.L.190-2023, SEC.24.
Ind. Code § 27-1-15.6-7 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-7
Insurance producer licenses; qualifications; expiration; renewal; registry
Status: in_force

Sec. 7. (a) Unless denied licensure under section 12 of this chapter, a person who has met the requirements of sections 5 and 6 of this chapter shall be issued an insurance producer license. An insurance producer may receive qualification for a license in one (1) or more of the following lines of authority:

(1) Life — insurance coverage on human lives, including benefits of endowment and annuities, that may include benefits in the event of death or dismemberment by accident and benefits for disability income.

(2) Accident and health or sickness — insurance coverage for sickness, bodily injury, or accidental death that may include benefits for disability income.

(3) Property — insurance coverage for the direct or consequential loss of or damage to property of every kind.

(4) Casualty — insurance coverage against legal liability, including liability for death, injury, or disability, or for damage to real or personal property.

(5) Variable life and variable annuity products — insurance coverage provided under variable life insurance contracts and variable annuities.

(6) Personal lines — property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes.

(7) Credit — limited line credit insurance.

(8) Title — insurance coverage against loss or damage on account of encumbrances on or defects in the title to real estate.

(9) Any other line of insurance permitted under Indiana laws or administrative rules.

(b) A person who requests qualification under subsection (a)(5) for variable life and annuity products must:

(1) be licensed as an insurance producer with a life qualification under subsection (a)(1);

(2) be registered with FINRA; and

(3) meet the broker-dealer registration requirements of:

(A) FINRA for a Series 6 limited representative license; or

(B) FINRA for a Series 7 general securities registered representative license.

(c) A resident insurance producer may not request separate qualifications for property insurance and casualty insurance under subsection (a).

(d) An insurance producer license remains in effect unless revoked or suspended, as long as the renewal fee set forth in section 32 of this chapter is paid and the educational requirements for resident individual producers are met by the due date.

(e) An individual insurance producer who:

(1) allows the individual insurance producer's license to lapse; and

(2) completed all required continuing education before the license expired;

may, not more than twelve (12) months after the expiration date of the license, reinstate the same license without the necessity of passing a written examination. A penalty in the amount of three (3) times the unpaid renewal fee shall be required for any renewal fee received after the expiration date of the license. However, the department of insurance may waive the penalty if the renewal fee is received not more than thirty (30) days after the expiration date of the license.

(f) A licensed insurance producer who is unable to comply with license renewal procedures due to military service or some other extenuating circumstance may request a waiver of the license renewal procedures. The producer may also request a waiver of any examination requirement or any other fine or sanction imposed for failure to comply with the license renewal procedures.

(g) An insurance producer license shall contain the licensee's name, address, personal identification number, date of issuance, lines of authority, expiration date, and any other information the commissioner considers necessary.

(h) A licensee shall inform the commissioner of a change of address not more than thirty (30) days after the change by any means acceptable to the commissioner. The failure of a licensee to timely inform the commissioner of a change in legal name or address shall result in a penalty under section 12 of this chapter.

(i) To assist in the performance of the commissioner's duties, the commissioner may contract with nongovernmental entities, including the NAIC, or any affiliates or subsidiaries that the NAIC oversees, to perform ministerial functions, including the collection of fees related to producer licensing, that the commissioner and the nongovernmental entity consider appropriate.

(j) The commissioner may participate, in whole or in part, with the NAIC or any affiliate or subsidiary of the NAIC in a centralized insurance producer license registry through which insurance producer licenses are centrally or simultaneously effected for states that require an insurance producer license and participate in the centralized insurance producer license registry. If the commissioner determines that participation in the centralized insurance producer license registry is in the public interest, the commissioner may adopt rules under IC 4-22-2 specifying uniform standards and procedures that are necessary for participation in the centralized insurance producer license registry, including standards and procedures for centralized license fee collection.

As added by P.L.132-2001, SEC.3. Amended by P.L.64-2004, SEC.24; P.L.11-2011, SEC.9; P.L.115-2011, SEC.7; P.L.124-2018, SEC.35.
Ind. Code § 27-1-15.6-33 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-33
Rules
Status: in_force

Sec. 33. Except as otherwise provided in section 32 of this chapter, the commissioner may adopt rules under IC 4-22-2 to carry out the purposes of this chapter.

As added by P.L.132-2001, SEC.3.
Ind. Code § 27-8-35.5-3 — Indiana Code / Title 27 / Article 8 / Chapter 35.5 / Section 27-8-35.5-3
"Insured"
Status: in_force

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

As added by P.L.149-2019, SEC.5.
Ind. Code § 27-8-29-10 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-10
"Insured" defined
Status: in_force

Sec. 10. As used in this chapter, "insured" has the meaning set forth in IC 27-8-28-8.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14.
Ind. Code § 27-7-15-3 — Indiana Code / Title 27 / Article 7 / Chapter 15 / Section 27-7-15-3
"Group non-trucking liability insurance policy"
Status: in_force

Sec. 3. As used in this chapter, "group non-trucking liability insurance policy" means a policy of insurance that provides non-trucking liability insurance, and may provide optional physical damage insurance coverage, to participating group members under one (1) master policy:

(1) that is issued to a named insured; and

(2) under which individual certificates, each with separate limits of liability and coverage, are issued to participating group members.

As added by P.L.146-2015, SEC.32.
Ind. Code § 27-7-6-2 — Indiana Code / Title 27 / Article 7 / Chapter 6 / Section 27-7-6-2
"Automobile insurance policy", "automobile liability coverage", and "policy"
Status: in_force

Sec. 2. "Automobile insurance policy" means a policy delivered or issued for delivery in this state or covering a motor vehicle required to be registered in this state providing coverage for bodily injury and property damage liability, medical payments, and uninsured motorists or any combination of these coverages, and insuring as the named insured a natural person or more than one (1) natural persons related to each other, resident of the same household, and under which the insured vehicles designated in the policy are as:

(1) a motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others; or

(2) any other four-wheel motor vehicle with a load capacity of one thousand five hundred (1,500) pounds or less which is not used in the occupation, profession, or business of the insured; provided, however, that this chapter shall not apply:

(A) to any policy issued under an automobile assigned risk plan; or

(B) to any policy covering garage, automobile sales agency, repair shop, service station, or public parking place operation hazards.

"Automobile liability coverage" includes only coverage of bodily injury and property damage liability, medical payments and uninsured motorists coverage.

"Policy" shall be deemed to mean a policy providing automobile liability coverage.

Formerly: Acts 1969, c.332, s.2. As amended by P.L.252-1985, SEC.264; P.L.146-2015, SEC.30; P.L.136-2018, SEC.185.
Ind. Code § 27-2-15-3.2 — Indiana Code / Title 27 / Article 2 / Chapter 15 / Section 27-2-15-3.2
"Final settlement"
Status: in_force

Sec. 3.2. (a) As used in this chapter, "final settlement" means a determination:

(1) of the amount owed to an insured:

(A) under the building coverage part of an insurance policy issued by an insurer; and

(B) for damage to or loss of a building or other structure caused by fire or explosion; and

(2) made by any of the following means:

(A) Acceptance of a proof of loss by the insurer.

(B) Execution of a release by the named insured.

(C) Acceptance of an arbitration award by the named insured and the insurer.

(D) Judgment of a court of competent jurisdiction.

(b) The term "final settlement" does not apply to damage or loss related to contents, personal property, or another loss that is not covered under the building coverage part of an insurance policy.

As added by P.L.238-2013, SEC.3.
Ind. Code § 27-1-7.5-13 — Indiana Code / Title 27 / Article 1 / Chapter 7.5 / Section 27-1-7.5-13
Indemnification of corporate employees other than directors
Status: in_force

Sec. 13. The following apply unless a corporation's articles of incorporation provide otherwise:

(1) An officer of the corporation, whether or not a director, is entitled to mandatory indemnification under section 9 of this chapter and is entitled to apply for court ordered indemnification under section 11 of this chapter, in each case to the same extent as a director.

(2) The corporation may indemnify and advance expenses under this chapter to an officer, employee, or agent of the corporation, whether or not a director, to the same extent as to a director.

(3) A corporation may also indemnify and advance expenses to an officer, employee, or agent, whether or not a director, to the extent, consistent with public policy, that may be provided by its articles of incorporation, bylaws, general or specific action of its board of directors, or contract.

As added by P.L.266-1987, SEC.6.
Ind. Code § 27-1-15.6-6 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-6
Application for resident insurance producer
Status: in_force

Sec. 6. (a) A person applying for a resident insurance producer license shall make application to the commissioner on the uniform application and declare under penalty of refusal, suspension, or revocation of the license that the statements made in the application are true, correct, and complete to the best of the individual's knowledge and belief.

(b) Before approving an application submitted under subsection (a), the commissioner must find that the individual meets the following requirements:

(1) Is at least eighteen (18) years of age.

(2) Has not committed any act that is a ground for denial, suspension, or revocation under section 12 of this chapter.

(3) Has completed, if required by the commissioner, a certified prelicensing course of study for the lines of authority for which the individual has applied.

(4) Has paid the nonrefundable fee set forth in section 32 of this chapter.

(5) Has successfully passed the examinations for the lines of authority for which the individual has applied.

(c) An applicant for a resident insurance producer license must file with the commissioner on a form prescribed by the commissioner a certification of completion certifying that the applicant has completed an insurance producer program of study certified by the commissioner under IC 27-1-15.7-5 not more than six (6) months before the application for the license is received by the commissioner. This subsection applies only to licensees seeking qualification in the lines of insurance described in sections 7(a)(1) through 7(a)(6) and 7(a)(8) of this chapter.

(d) A business entity, before acting as an insurance producer, is required to obtain an insurance producer license. The application submitted by a business entity under this subsection must be made using the uniform business entity application. Before approving the application, the commissioner must find that the business entity has:

(1) paid the fees required under section 32 of this chapter; and

(2) designated an individual licensed producer responsible for the business entity's compliance with the insurance laws and administrative rules of Indiana.

(e) The commissioner may require any documents reasonably necessary to verify the information contained in an application submitted under this subsection.

(f) An insurer that sells, solicits, or negotiates any form of limited line credit insurance shall provide a program of instruction approved by the commissioner to each individual whose duties will include selling, soliciting, or negotiating limited line credit insurance.

As added by P.L.132-2001, SEC.3. Amended by P.L.1-2002, SEC.106; P.L.64-2004, SEC.23.
Ind. Code § 27-1-24.5-11.5 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-11.5
"Pharmacy benefit management services"
Status: in_force

Sec. 11.5. As used in this chapter, "pharmacy benefit management services" means:

(1) negotiating the price of prescription drugs, including negotiating and contracting for direct or indirect rebates, discounts, or other price concessions;

(2) managing any aspect of a prescription drug benefit, including:

(A) the processing and payment of claims for prescription drugs;

(B) arranging alternative access to or funding for prescription drugs;

(C) the performance of drug utilization review;

(D) the processing of drug prior authorization requests;

(E) the adjudication of appeals or grievances related to the prescription drug benefit;

(F) contracting with network pharmacies;

(G) controlling the cost of covered prescription drugs;

(H) managing or providing data relating to the prescription drug benefit;

(I) the provision of services related to the prescription drug benefit; or

(J) creating or updating prescription drug formularies;

(3) the performance of any administrative, managerial, clinical, pricing, financial, reimbursement, data administration or reporting, or billing service; and

(4) any other services specified in a rule adopted by the department.

As added by P.L.237-2025, SEC.5.
Ind. Code § 27-11-6-9 — Indiana Code / Title 27 / Article 11 / Chapter 6 / Section 27-11-6-9
Filing of copy of certificate with commissioner; contents of certificate
Status: in_force

Sec. 9. A certificate shall not be delivered or issued for delivery in Indiana unless a copy of the form has been filed with the commissioner in the manner provided for like policies issued by life insurers in Indiana. Every life, accident, health, or disability insurance certificate and every annuity certificate issued after December 31, 1986, shall meet the standard contract provision requirements not inconsistent with this chapter for like policies issued by life insurers in this state, except that a society may provide for a grace period for payment of premiums of one (1) full month in its certificate. The certificate shall also contain a provision stating the amount of premiums that are payable under the certificate and a provision reciting or setting forth the substance of any sections of the society's laws or rules in force at the time of issuance of the certificate that, if violated, will result in the termination or reduction of benefits payable under the certificate. If the laws of the society provide for expulsion or suspension of a member, the certificate shall also contain a provision that any member so expelled or suspended, except for nonpayment of a premium or within the contestable period for material misrepresentation in the application for membership or insurance, shall have the privilege of maintaining the certificate in force by continuing payment of the required premium.

As added by P.L.262-1985, SEC.1. Amended by P.L.2-1995, SEC.110.
Ind. Code § 27-5.1-2-36 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-36
Borrowing funds; assessment
Status: in_force

Sec. 36. (a) A farm mutual insurance company may borrow money for the payment of accrued losses and expenses.

(b) A farm mutual insurance company that borrows money under subsection (a) shall assess policyholders the full amount necessary to fully repay the loan in the assessment immediately following the date the money is borrowed. Unless the commissioner authorizes a longer period, the assessment must be levied not more than twelve (12) months after the losses or expenses paid by the farm mutual insurance company through the loan are incurred.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-8-3-9 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-9
Annual report; failure to file report and pay fees; suspension from doing business
Status: in_force

Sec. 9. Every such life insurance corporation, association, or society doing business under this chapter shall, on or before March 1 in each year, make and file with the insurance commissioner a report of its affairs and operations during the year ending on December 31 immediately preceding, which report shall be in lieu of all other reports required by this title and shall be in such form as the commissioner may require. Such report shall be verified by such of the officers of the corporation, association, or society as the commissioner may require. Any corporation, association, or society refusing or neglecting to make such report, or to make payment of any of the fees required by law, shall, upon the order of the commissioner, cease to do business in this state until such report and payment shall be made and until the costs of such action be paid.

Formerly: Acts 1897, c.195, s.9. As amended by P.L.252-1985, SEC.281.
Ind. Code § 27-1-4.5-4 — Indiana Code / Title 27 / Article 1 / Chapter 4.5 / Section 27-1-4.5-4
"Third party administrator"
Status: in_force

Sec. 4. As used in this chapter, "third party administrator" means an individual or entity that performs administrative services for an insurer or a self-funded health benefit plan, including:

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

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

As added by P.L.239-2025, SEC.11.
Ind. Code § 27-1-36-34 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-34
Filing RBC plan with commissioner of state other than Indiana
Status: in_force

Sec. 34. (a) A domestic insurer that files an RBC plan or a revised RBC plan with the commissioner shall file a copy of the RBC plan or revised RBC plan with the insurance commissioner in each state other than Indiana in which the insurer is authorized to do business, if:

(1) the state has an RBC provision substantially similar to section 45 of this chapter; and

(2) the insurance commissioner of that state has notified the insurer in writing of its request for the filing.

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

(1) fifteen (15) days after the insurer receives notice under subsection (a)(2); or

(2) the date on which the RBC plan or revised RBC plan is filed under sections 31 and 32 of this chapter;

whichever occurs later.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-1-20-35 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-35
Insurer response to department request
Status: in_force

Sec. 35. (a) Except as otherwise provided in this title, a company shall respond to a written inquiry or request that:

(1) is made by the department; and

(2) meets the requirements of subsection (b);

not more than twenty (20) business days after the date the written inquiry or request is received by the company.

(b) A written inquiry or request described in subsection (a) must do all of the following:

(1) Be addressed to the individual who holds the position that the company has designated as the position reasonably capable of processing such an inquiry or request.

(2) Specify that the inquiry or request is made under this section.

(3) Specify the penalty described in subsection (d) to which the company is subject for noncompliance with the inquiry or request.

(4) Numerically list the questions to which a response is requested.

(c) The commissioner may, upon request of a company for extenuating circumstances, grant a company an extension of the period specified in subsection (a) or waive all or any part of a civil penalty described in subsection (d).

(d) The commissioner may assess against a company that does not comply with subsection (a) a civil penalty of one hundred dollars ($100) per day of noncompliance. A civil penalty assessed under this subsection may not exceed three thousand dollars ($3,000).

(e) The commissioner shall deposit a civil penalty collected under this section in the department of insurance fund established by IC 27-1-3-28.

As added by P.L.81-2012, SEC.8.
Ind. Code § 27-8-13-9.2 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-9.2
Limitations on issuer of medicare supplement policies when the applicant has certain disabilities or has end stage renal disease
Status: in_force

Sec. 9.2. (a) This section applies to an individual:

(1) who is less than sixty-five (65) years of age;

(2) who is eligible for and enrolled in Medicare:

(A) by reason of a disability as described in 42 U.S.C. 426(b) and defined in 42 U.S.C. 423(d); or

(B) by reason of being medically determined to have end stage renal disease as described in 42 U.S.C. 426-1; and

(3) who applies for a Medicare supplement policy or certificate and either:

(A) submits the application before or during the six (6) month period beginning with the first day of the first month during which the applicant becomes enrolled for benefits under Medicare Part B without regard to age; or

(B) was enrolled for benefits under Medicare Part B without regard to age before January 1, 2025, and:

(i) submits the application for a Medicare supplement policy or certificate during the six (6) month period beginning January 1, 2025; or

(ii) is unable to submit an application for a Medicare supplement policy or certificate because an application is not yet available but makes a request for an application for a Medicare supplement policy or certificate during the six (6) month period beginning January 1, 2025.

(b) After December 31, 2024, the issuer of a Medicare supplement policy or certificate shall not:

(1) deny or condition the issuance or effectiveness of a Medicare supplement policy or certificate to which subsection (a)(3) applies because of the health status, claims experience, receipt of health care, or medical condition of an individual described in subsection (a);

(2) charge an individual described in subsection (a) a premium rate for a standardized Plan A, Plan B, or Plan D Medicare supplement policy or certificate to which subsection (a)(3) applies that exceeds the premium rate the issuer charges an individual who is sixty-five (65) years of age for the same Medicare supplement policy or certificate;

(3) charge an individual described in subsection (a) a premium rate for any standardized lettered Medicare supplement policy or certificate other than those specified in subdivision (2) to which subsection (a)(3) applies that exceeds two hundred percent (200%) of the premium rate the issuer charges an individual who is sixty-five (65) years of age for the same Medicare supplement policy or certificate; or

(4) issue to an individual described in subsection (a) a Medicare supplement policy or certificate to which subsection (a)(3) applies that contains:

(A) a waiting period; or

(B) a preexisting condition limitation or exclusion.

As added by P.L.28-2024, SEC.3.
Ind. Code § 27-1-3.1-6 — Indiana Code / Title 27 / Article 1 / Chapter 3.1 / Section 27-1-3.1-6
Repealed
Status: repealed

As added by P.L.26-1991, SEC.5. Repealed by P.L.124-2018, SEC.3.
Ind. Code § 27-10-4-2 — Indiana Code / Title 27 / Article 10 / Chapter 4 / Section 27-10-4-2
Advising employment of attorney; paying fees or rebates; acting as attorney; accepting property; soliciting business
Status: in_force

Sec. 2. (a) A bail agent or recovery agent may not do any of the following:

(1) Suggest or advise the employment of or name for employment any particular attorney to represent the bail agent's principal.

(2) Pay a fee or rebate or give any property to an attorney in bail bond matters, except in defense of any action on a bond.

(3) Pay a fee or rebate or give or promise any property to the principal or anyone in the bail agent's behalf.

(4) Participate in the capacity of an attorney at a trial or hearing of one on whose bond the bail agent is surety.

(5) Accept any property from a principal except the premium, bail bond filing fee (when applicable), and transfer fee (when applicable), except that the bail agent or surety may accept collateral security or other indemnity from the principal that must be returned upon final termination of liability on the bond. The collateral security or other indemnity required by the bail agent or surety must be reasonable in relation to the amount of the bond.

(6) Solicit business in or about any place where prisoners are confined or in or near any courtroom.

(b) A person who recklessly violates this section or who operates as a bail agent or recovery agent without a valid license commits a Class C infraction. However, the offense is a Class A misdemeanor if the person has a prior unrelated judgment or conviction under this section within the previous five (5) years.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.26; P.L.32-2019, SEC.23.
Ind. Code § 27-5.1-2-39 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-39
Misconduct; penalty
Status: in_force

Sec. 39. A director, an officer, a member, an insurance producer, or an employee of a farm mutual insurance company who knowingly or intentionally, directly or indirectly, uses or employs, or allows another person to use or employ, money, funds, securities, or assets of the farm mutual insurance company for private profit or gain commits a Level 5 felony.

As added by P.L.129-2003, SEC.8. Amended by P.L.158-2013, SEC.297.
Ind. Code § 27-1-37.5-13.7 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-13.7
Limitations on prior authorization requirements for physical therapy or chiropractic visits
Status: in_force

Sec. 13.7. (a) This section does not apply to the following:

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

(2) The Medicaid program.

(b) A utilization review entity may not require prior authorization for the first twelve (12):

(1) physical therapy; or

(2) chiropractic;

visits of each new episode of care.

As added by P.L.144-2025, SEC.23.
Ind. Code § 27-1-25-9 — Indiana Code / Title 27 / Article 1 / Chapter 25 / Section 27-1-25-9
Delivery of written communications
Status: in_force

Sec. 9. Policies, certificates, booklets, termination notices, or other written communications delivered by an insurer to an administrator for delivery to its covered individuals shall be delivered by the administrator promptly after receipt of instructions from the insurer to do so.

As added by Acts 1980, P.L.168, SEC.2. Amended by P.L.160-2003, SEC.13.
Ind. Code § 27-8-19.8-24.7 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-24.7
Disclosure of identity of viator
Status: in_force

Sec. 24.7. Except as otherwise provided by law, a person with actual knowledge of a viator's identity may not disclose that identity to another person unless the disclosure is:

(1) necessary to effect a viatical settlement contract and the viator has provided written consent to the disclosure;

(2) provided in response to an investigation by the commissioner or other governmental officer or agency; or

(3) in connection with a transfer of a viatical settlement contract or viaticated policy to another licensed viatical settlement provider or to an entity that provides financing to effect the viatical settlement contract under a written agreement with a licensed viatical settlement provider.

As added by P.L.32-1998, SEC.27.
Ind. Code § 27-1-7.5-15 — Indiana Code / Title 27 / Article 1 / Chapter 7.5 / Section 27-1-7.5-15
Limitation of remedies; effect of chapter
Status: in_force

Sec. 15. (a) The indemnification and advance for expenses provided for or authorized by this chapter does not exclude any other rights to indemnification and advance for expenses that a person may have under:

(1) a corporation's articles of incorporation or bylaws;

(2) a resolution of the board of directors or of the shareholders of a stock company, or members or shareholders of a mutual company qualified to elect directors; or

(3) any other authorization, whenever adopted, after notice, by a majority vote of all the voting shares then issued and outstanding of a stock company or of all the members or policyholders of a mutual company authorized to elect directors.

(b) If the articles of incorporation, bylaws, resolutions of the board of directors or of the shareholders, or other duly adopted authorization of indemnification or advance for expenses limit indemnification or advance for expenses, indemnification and advance for expenses are valid only to the extent consistent with the articles, bylaws, resolution of the board of directors or of the shareholders, members, or directors or other duly adopted authorization of indemnification or advance for expenses.

(c) This chapter does not limit a corporation's power to pay or reimburse expenses incurred by a director, officer, employee, or agent in connection with the person's appearance as a witness in a proceeding at a time when the person has not been made a named defendant or respondent to the proceeding.

As added by P.L.266-1987, SEC.6.
Ind. Code § 27-8-16-9.5 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-9.5
Claim determinations based on data base information
Status: in_force

Sec. 9.5. (a) As used in this section, "data base" means a data base that provides information concerning health care services or amounts charged for health care services.

(b) If a claim review agent bases a medical claims review determination concerning a health care service provided by a hospital licensed under IC 12-25 or IC 16-21 in whole or in part on information obtained from a data base, the information must relate exclusively to services provided by a hospital licensed under IC 12-25 or IC 16-21.

(c) If a claim review consultant makes a recommendation or provides consultation concerning the appropriateness of or the amount charged for services provided by a hospital licensed under IC 12-25 or IC 16-21 based in whole or in part on information obtained from a data base, the information must relate exclusively to services provided by a hospital licensed under IC 12-25 or IC 16-21.

(d) This section does not apply to:

(1) medical claims review determinations made under subsection (b); or

(2) consultations or recommendations made under subsection (c);

regarding medical services provided under IC 22.

As added by P.L.260-1995, SEC.7.
Ind. Code § 27-13-34-5 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-5
"Provider" defined
Status: in_force

Sec. 5. As used in this chapter, "provider" means a physician, a dentist, an optometrist, a health facility, or other person or institution that is licensed or otherwise authorized to deliver or furnish limited health service.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-25-5.5 — Indiana Code / Title 27 / Article 1 / Chapter 25 / Section 27-1-25-5.5
Insurer responsibilities
Status: in_force

Sec. 5.5. (a) If an insurer uses the services of an administrator, the insurer is responsible for:

(1) determining the:

(A) benefits;

(B) premium rates;

(C) underwriting criteria; and

(D) claims payment procedures;

that apply to the coverage; and

(2) securing reinsurance.

(b) An insurer shall provide to an administrator, with the written agreement required under section 2 of this chapter:

(1) the rules that the administrator must follow in administering the coverage, as determined under subsection (a); and

(2) the responsibilities of the administrator as to administering the coverage.

(c) An insurer that uses the services of an administrator has sole responsibility for the competent administration of benefit programs provided by the insurer.

(d) If an administrator administers benefits for more than one hundred (100) covered individuals on behalf of an insurer, the insurer shall, not less than semiannually, review the operations of the administrator. At least one (1) of the semiannual reviews must be an onsite audit of the operations of the administrator.

As added by P.L.160-2003, SEC.9.
Ind. Code § 27-8-13-19 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-19
Penalties for noncompliance
Status: in_force

Sec. 19. In addition to any other penalties for violations of IC 27, the commissioner may take either or both of the following actions:

(1) Require issuers violating this chapter or rules adopted under this chapter to cease marketing a Medicare supplement policy or certificate in Indiana that is related directly or indirectly to a violation.

(2) Require the issuer to take the action necessary to comply with this chapter.

As added by P.L.255-1989, SEC.16. Amended by P.L.126-1992, SEC.16.
Ind. Code § 27-8-10-2.5 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-2.5
Members; general requirements
Status: in_force

Sec. 2.5. (a) A member shall comply with the association's plan of operation.

(b) A member assessment under section 2.1 of this chapter is due not more than thirty (30) days after the member receives written notice of the assessment. A member that pays an assessment after the due date shall pay interest on the assessment at the rate of six percent (6%) per annum.

As added by P.L.51-2004, SEC.5.
Ind. Code § 27-1-15.9-12 — Indiana Code / Title 27 / Article 1 / Chapter 15.9 / Section 27-1-15.9-12
Written materials; content
Status: in_force

Sec. 12. (a) A vendor shall, at each location where portable electronics insurance is sold, solicited, or negotiated, make available to customers written materials concerning the portable electronics insurance.

(b) The written materials available under subsection (a) must do all the following:

(1) Disclose that portable electronics insurance may duplicate coverage already provided under a customer's homeowner's insurance policy, renter's insurance policy, or other coverage.

(2) State that the customer may purchase or lease portable electronics regardless of whether the customer also purchases portable electronics insurance.

(3) Summarize the material terms of each portable electronics insurance policy under which insurance is available from the vendor, including all the following:

(A) The identity of the insurer that issues the portable electronics insurance policy.

(B) The identity of any supervising entity.

(C) The amount of any applicable deductible and the manner by which the deductible is paid.

(D) The benefits of the portable electronics insurance.

(E) The key terms and conditions, including whether portable electronics may be repaired or replaced with:

(i) reconditioned; or

(ii) nonoriginal;

manufacturer equipment of a make or model that is similar to the portable electronics.

(4) Summarize the process for filing a claim, including:

(A) a description of the manner by which to return portable electronics; and

(B) the maximum fee applicable if the customer fails to comply with any applicable equipment return requirement.

(5) State that an insured customer may cancel the portable electronics insurance at any time and the person who pays the premium will receive a refund of unearned premium.

As added by P.L.4-2012, SEC.3.
Ind. Code § 27-15-3-3 — Indiana Code / Title 27 / Article 15 / Chapter 3 / Section 27-15-3-3
Content excepted from simple plan of conversion
Status: in_force

Sec. 3. Notwithstanding section 2 of this chapter, the opinion described in section 2(10) of this chapter is not required under this chapter if the converting mutual utilizes a simple plan of conversion.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-2-24-5 — Indiana Code / Title 27 / Article 2 / Chapter 24 / Section 27-2-24-5
"Innocent coinsured"
Status: in_force

Sec. 5. As used in this chapter, "innocent coinsured" means an individual who:

(1) is insured under a policy of property or casualty insurance;

(2) did not have knowledge of, cooperate in, or intentionally contribute to a property loss that was caused or arranged by another individual who:

(A) is also insured under the policy of property or casualty insurance; and

(B) either:

(i) died; or

(ii) has been charged with a crime based on a court finding that there is probable cause to believe that the individual committed the crime;

in connection with the circumstances that caused the property loss;

(3) signs a sworn affidavit attesting that the individual did not have knowledge of, cooperate in, or intentionally contribute to the property loss; and

(4) cooperates in:

(A) the investigation and resolution of the claim for the property loss;

(B) any police investigation related to the property loss; and

(C) any criminal prosecution of the individual that caused or arranged the property loss.

As added by P.L.148-2017, SEC.8.
Ind. Code § 27-8-33-3 — Indiana Code / Title 27 / Article 8 / Chapter 33 / Section 27-8-33-3
"Qualified health plan"
Status: in_force

Sec. 3. As used in this chapter, "qualified health plan" has the meaning set forth in Section 1301 of the federal Patient Protection and Affordable Care Act (P.L. 111-148).

As added by P.L.193-2011, SEC.16.
Ind. Code § 27-1-3.5-2.6 — Indiana Code / Title 27 / Article 1 / Chapter 3.5 / Section 27-1-3.5-2.6
"Group of insurers"
Status: in_force

Sec. 2.6. As used in this chapter, "group of insurers" means two (2) or more insurers that are part of an insurance holding company system.

As added by P.L.146-2015, SEC.4.
Ind. Code § 27-1-45-1.5 — Indiana Code / Title 27 / Article 1 / Chapter 45 / Section 27-1-45-1.5
"Emergency services"
Status: in_force

Sec. 1.5. As used in this chapter, "emergency services" means services that are:

(1) furnished by a provider qualified to furnish emergency services; and

(2) needed to evaluate or stabilize an emergency medical condition.

As added by P.L.93-2020, SEC.11.
Ind. Code § 27-8-35-2 — Indiana Code / Title 27 / Article 8 / Chapter 35 / Section 27-8-35-2
"Disability"
Status: in_force

Sec. 2. As used in this chapter, "disability" has the meaning set forth in 42 U.S.C. 12102.

As added by P.L.2-2019, SEC.9.