Ind. Code § 27-1-37.5-4 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-4
"Health care service"
Status: in_force

Sec. 4. (a) As used in this chapter, "health care service" means a health care procedure, treatment, or service provided by:

(1) a health care facility (as defined in IC 16-18-2-161(a));

(2) an ambulatory outpatient surgical center (as defined in IC 16-18-2-14); or

(3) a health care provider within the scope of practice of the health care provider's license or legal authorization.

The term includes the provision of pharmaceutical products or services or durable medical equipment.

(b) The term does not include the following:

(1) Dental services.

(2) Vision services.

(3) Cosmetic surgery.

As added by P.L.77-2018, SEC.2. Amended by P.L.144-2025, SEC.12.
Ind. Code § 27-1-25-13 — Indiana Code / Title 27 / Article 1 / Chapter 25 / Section 27-1-25-13
Public documents; confidentiality; financial information
Status: in_force

Sec. 13. (a) Except as provided by section 4(b) of this chapter, and except that all provisions of the written agreement between the administrator and an insurer shall be treated by the commissioner as confidential and shall not be open to any member of the public for inspection or copying, all documents submitted to the commissioner under this chapter are public documents:

(1) when filed by the commissioner; or

(2) thirty (30) days after their receipt by the department.

(b) Any financial information concerning an administrator submitted by an administrator to the commissioner must remain confidential and is not open to any member of the public for inspection or copying. However, the commissioner may use the financial information in a proceeding under section 12.4 of this chapter.

As added by Acts 1980, P.L.168, SEC.2. Amended by Acts 1982, P.L.165, SEC.7; P.L.192-1991, SEC.2; P.L.160-2003, SEC.19.
Ind. Code § 27-2-25-12 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-12
Request for good faith estimate; requirements; notice; provision of information from practitioner and provider facility
Status: in_force

Sec. 12. (a) A covered individual may request from the health carrier a good faith estimate of:

(1) the amount of the cost of the nonemergency health care service that the health carrier will:

(A) pay for; or

(B) reimburse to;

the covered individual; or

(2) the applicable benefit limitations of the ordered nonemergency health care service a covered individual is entitled to receive from the health carrier.

(b) If:

(1) a health carrier provides coverage to a covered individual through a network plan; and

(2) the health carrier receives a request for a good faith estimate from a covered individual for whom a nonemergency health care service has been ordered;

the health carrier shall inform the covered individual whether the provider facility in which the nonemergency health care service will be provided is in network and whether each scheduled practitioner who may provide the nonemergency health care service is in network.

(c) A health carrier that receives a request from a covered individual patient under subsection (b) shall, not more than two (2) business days after receiving relevant information, provide to the individual a good faith estimate as described in section 14 of this chapter.

(d) A health carrier must ensure that a good faith estimate states that the estimate provided under this section is only valid for thirty (30) days and that:

(1) the amount that the health carrier will:

(A) pay; or

(B) reimburse;

for or to the covered individual for the nonemergency health care services the individual receives; and

(2) the applicable benefit limitations of the nonemergency health care services the individual will receive;

may vary from the health carrier's good faith estimate based on the individual's medical needs.

(e) A health carrier may not charge an individual for information provided under this section.

(f) A practitioner and provider facility shall provide a health carrier with the information needed by the health carrier to comply with the requirements under this chapter not more than two (2) business days after receiving the request.

As added by P.L.93-2020, SEC.13. Amended by P.L.215-2025, SEC.59.
Ind. Code § 27-5.1-3-1 — Indiana Code / Title 27 / Article 5.1 / Chapter 3 / Section 27-5.1-3-1
Standard company; supplementation of chapter; limitation on types of insurance provided
Status: in_force

Sec. 1. (a) This chapter supplements the requirements set forth for a standard company in IC 27-5.1-2.

(b) A standard company may not insure a policyholder of the farm mutual insurance company:

(1) against loss to a motor vehicle owned by the policyholder from peril;

(2) against liability resulting from the use of a motor vehicle owned by the policyholder;

(3) for property loss in connection with a specific loan or other credit transaction; or

(4) for personal, commercial, and farm liability.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-2-25-8 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-8
"Nonemergency health care service"
Status: in_force

Sec. 8. As used in this chapter, "nonemergency health care service" means a discrete service or series of services ordered by a practitioner for an episode of care for the:

(1) diagnosis;

(2) prevention;

(3) treatment;

(4) cure; or

(5) relief;

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

As added by P.L.93-2020, SEC.13.
Ind. Code § 27-1-36-39 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-39
"Authorized control level event"
Status: in_force

Sec. 39. As used in this chapter, "authorized control level event" means any of the following events:

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

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

(B) less than its authorized control level RBC.

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

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

(B) less than its authorized control level RBC;

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

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

(4) The failure of the insurer to respond, in a manner satisfactory to the commissioner, to a corrective order, unless the insurer has challenged the corrective order under section 44 of this chapter.

(5) The failure of the insurer to respond, in a manner satisfactory to the commissioner, to a corrective order if, after a challenge and a hearing under section 44 of this chapter, the commissioner has:

(A) rejected the challenge; or

(B) modified the corrective order.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-8-32-5 — Indiana Code / Title 27 / Article 8 / Chapter 32 / Section 27-8-32-5
Prohibition on coverage limitations
Status: in_force

Sec. 5. Coverage for orally administered cancer chemotherapy under a policy of accident and sickness insurance must not be subject to dollar limits, copayments, deductibles, or coinsurance provisions that are less favorable to an insured than the dollar limits, copayments, deductibles, or coinsurance provisions that apply to coverage for cancer chemotherapy that is administered intravenously or by injection under the policy of accident and sickness insurance.

As added by P.L.46-2009, SEC.1.
Ind. Code § 27-13-10-5 — Indiana Code / Title 27 / Article 13 / Chapter 10 / Section 27-13-10-5
Filing; oral or written grievance; telephone number; date
Status: in_force

Sec. 5. (a) An enrollee or a subscriber may file a grievance orally or in writing.

(b) A health maintenance organization shall make available to enrollees and subscribers a toll free telephone number through which grievances may be filed. The toll free number must:

(1) be staffed by a qualified representative of the health maintenance organization;

(2) be available for at least forty (40) normal business hours per week; and

(3) accept grievances in the languages of the major population groups served.

(c) A grievance is considered to be filed on the first date it is received, either by telephone or in writing.

As added by P.L.191-1997, SEC.7.
Ind. Code § 27-1-36-29 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-29
"Company action level event"
Status: in_force

Sec. 29. As used in this chapter, "company action level event" means any of the following events:

(1) The filing of an RBC report by an insurer that indicates that:

(A) the insurer's total adjusted capital is:

(i) greater than or equal to its regulatory action level RBC; but

(ii) less than its company action level RBC;

(B) if a life insurer or a fraternal benefit society, the insurer:

(i) has total adjusted capital that is greater than or equal to its company action level RBC but less than the product of three (3) multiplied by its authorized control level RBC; and

(ii) has a negative trend;

(C) if a property and casualty insurer, the insurer:

(i) has total adjusted capital that is greater than or equal to its company action level RBC but less than the product of three (3) multiplied by its authorized control level RBC; and

(ii) has a negative trend; or

(D) if a health insurer, the insurer:

(i) has a total adjusted capital that is greater than or equal to its company action level RBC but less than the product of three (3) multiplied by its authorized control level RBC; and

(ii) has a negative trend.

(2) The notification by the commissioner to the insurer of an adjusted RBC report that indicates that:

(A) the insurer's total adjusted capital is:

(i) greater than or equal to its regulatory action level RBC; but

(ii) less than its company action level RBC;

(B) if a life insurer or a fraternal benefit society, the insurer:

(i) has total adjusted capital that is greater than or equal to its company action level RBC but less than the product of three (3) multiplied by its authorized control level RBC; and

(ii) has a negative trend;

(C) if a property and casualty insurer, the insurer:

(i) has total adjusted capital that is greater than or equal to its company action level RBC but less than the product of three (3) multiplied by its authorized control level RBC; and

(ii) has a negative trend; or

(D) if a health insurer, the insurer:

(i) has total adjusted capital that is greater than or equal to its company action level RBC but less than the product of three (3) multiplied by its authorized control level RBC; and

(ii) has a negative trend;

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

(3) The notification by the commissioner to the insurer that the commissioner has, after a hearing under section 44 of this chapter, rejected the insurer's challenge to an adjusted RBC report described in subdivision (2).

As added by P.L.186-1996, SEC.1. Amended by P.L.11-2011, SEC.23; P.L.81-2012, SEC.19; P.L.276-2013, SEC.26.
Ind. Code § 27-1-12.8-5 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-5
"Confidential information"
Status: in_force

Sec. 5. As used in sections 37 and 38 of this chapter, "confidential information" means the following:

(1) A supporting memorandum submitted under section 21, 22, or 23 of this chapter and any other documents, materials, and other information, including all working papers and copies of working papers that are created, produced, or obtained by or disclosed to the commissioner or another person in connection with the supporting memorandum.

(2) All documents, materials, and other information, including all working papers and copies of working papers that are created, produced, or obtained by or disclosed to the commissioner or another person in the course of an examination made under section 34(f) of this chapter. However, if an examination report or other material prepared in connection with an examination made under IC 27-1-3.1 is not maintained as private and confidential information under IC 27-1-3.1, an examination report or other material prepared in connection with an examination made under section 34(f) of this chapter is not confidential to the same extent as if the examination report or other material had been prepared under IC 27-1-3.1.

(3) A report, document, material, or other information developed by a company in support of or in connection with an annual certification by the company under section 35(c)(2) of this chapter evaluating the effectiveness of the company's internal controls with respect to a principle based valuation and any other document, material, or other information, including all working papers and copies of working papers that are created, produced, or obtained by or disclosed to the commissioner or another person in connection with the report, document, material, or other information.

(4) A principle based valuation report developed under section 35(c)(3) of this chapter and any document, material, or other information, including all working papers and copies of working papers that are created, produced, or obtained by or disclosed to the commissioner or another person in connection with the report.

(5) A document, material, data, or other information submitted by a company under section 36 of this chapter and any other document, material, data, or other information, including all working papers and copies of working papers that are created or produced in connection with the document, material, data, or other information in each case that:

(A) includes any potentially company identifying or personally identifiable information;

(B) is provided to or obtained by the commissioner with the document, material, data, or other information; and

(C) any other document, material, data, or other information, including all working papers and copies of working papers that are created, produced, or obtained by or disclosed to the commissioner or another person in connection with a document, material, data, or other information described in this subdivision.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-15-6-4 — Indiana Code / Title 27 / Article 15 / Chapter 6 / Section 27-15-6-4
Continuation of former mutual
Status: in_force

Sec. 4. The former mutual shall be a continuation of the original converting mutual in all of the following respects:

(1) The former mutual shall be recognized as an insurance company formed under the laws of this state as of the date of the company's original organization.

(2) The conversion does not in any way annul, modify, or change any of the original converting mutual's existing suits, claims, demands, rights, contracts, or other assets, or absolute or contingent liabilities.

(3) The former mutual shall be vested in all of the rights, franchises, and interests of the converting mutual in and to every species of property without any deed or transfer.

(4) The former mutual shall succeed to all the obligations and liabilities of the converting mutual and retain all rights and contracts existing before the effectiveness of the conversion.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-2-23-9 — Indiana Code / Title 27 / Article 2 / Chapter 23 / Section 27-2-23-9
"Policy"
Status: in_force

Sec. 9. (a) As used in this chapter, "policy" means a policy or certificate issued in Indiana after June 30, 2015, that provides the kind of insurance described in Class 1 of IC 27-1-5-1.

(b) The term does not include the following:

(1) A policy or certificate that provides a death benefit under:

(A) an employee benefit plan that is subject to the federal Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 et seq.); or

(B) a federal employee benefit program.

(2) A policy or certificate that is used to fund a preneed funeral contract or prearrangement.

(3) A policy or certificate of credit life or accidental death insurance.

(4) A policy issued to a group policy owner for which the insurer does not provide record keeping services.

As added by P.L.90-2014, SEC.1. Amended by P.L.166-2015, SEC.3.
Ind. Code § 27-4-9-6 — Indiana Code / Title 27 / Article 4 / Chapter 9 / Section 27-4-9-6
Commissioner actions concerning compliance
Status: in_force

Sec. 6. (a) The commissioner may conduct an investigation, pursue an enforcement action, and take other official action that the commissioner considers appropriate to ensure compliance with section 3 of this chapter.

(b) With regard to a variable annuity, the commissioner may:

(1) consult with the securities commissioner; and

(2) use the resources of the securities commissioner;

in making a final determination regarding any issue concerning compliance with section 3 of this chapter.

(c) If the securities commissioner is informed of a violation or suspected violation of section 3 of this chapter or other insurance laws of the state, the securities commissioner shall timely advise the commissioner of the violation or suspected violation.

As added by P.L.138-2005, SEC.2.
Ind. Code § 27-8-24.3-9 — Indiana Code / Title 27 / Article 8 / Chapter 24.3 / Section 27-8-24.3-9
Violations
Status: in_force

Sec. 9. A violation of this chapter is an unfair and deceptive act and practice in the business of insurance under IC 27-4-1-4.

As added by P.L.188-1996, SEC.2.
Ind. Code § 27-2-15-10 — Indiana Code / Title 27 / Article 2 / Chapter 15 / Section 27-2-15-10
Rules
Status: in_force

Sec. 10. The insurance commissioner may adopt rules under IC 4-22-2 necessary to implement this chapter. These rules must include a procedure for the administration of escrow accounts established under section 5 of this chapter, including the disposition of any funds in the escrow account not claimed under section 6 of this chapter.

As added by P.L.247-1989, SEC.2.
Ind. Code § 27-8-3-10 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-10
Accident insurance business on assessment plan
Status: in_force

Sec. 10. Any corporation, association, or society organized to insure against the contingency of death or physical disability of the assured thereunder resulting from accidental injuries, and which provides for the payment of policy claims, the accumulation of reserve or emergency funds and the expenses of the management and prosecution of the business, by payments to be made, either at periods named in the contract or upon assessments as required by persons holding similar contracts, and where the assured's liability to contribute to the payment of benefits accrued or to accrue is not limited to a fixed sum, shall be deemed to be engaged in the business of accident insurance upon the assessment plan, and the business involving the issuance of such contracts shall be carried on in this state only by duly organized and authorized corporations, associations, or societies, which shall be subject only to the provisions and requirements of this chapter.

Formerly: Acts 1897, c.195, s.10. As amended by P.L.252-1985, SEC.282.
Ind. Code § 27-8-13-3 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-3
"Medicare supplement policy"
Status: in_force

Sec. 3. (a) As used in this chapter, "Medicare supplement policy" means a group or individual policy of accident and sickness insurance or a subscriber contract of health maintenance organizations that is advertised, marketed, or designed primarily as a supplement to reimbursements under Medicare for the hospital, medical, or surgical expenses of persons eligible for Medicare benefits.

(b) The term does not include a group policy issued:

(1) to or for the benefit of employees;

(2) to one (1) or more labor organizations; or

(3) to the trustees of a fund established:

(A) by one (1) or more employees or former employees; or

(B) for members or former members of a labor organization.

(c) The term does not include:

(1) a policy issued under a contract under Section 1876 or 1833 of the federal Social Security Act (42 U.S.C. 1395 et seq.); or

(2) a policy issued under a demonstration project authorized under amendments to the federal Social Security Act (42 U.S.C. Chapter 7).

As added by P.L.275-1987, SEC.2. Amended by P.L.255-1989, SEC.1; P.L.126-1992, SEC.1; P.L.124-2018, SEC.79.
Ind. Code § 27-7-9-18 — Indiana Code / Title 27 / Article 7 / Chapter 9 / Section 27-7-9-18
Reports; claims
Status: in_force

Sec. 18. The department of insurance shall, every three (3) years beginning not later than November 1, 2001, publish a report regarding mine subsidence insurance provided under this chapter, including the:

(1) number of claims filed;

(2) amount paid for each claim; and

(3) amount remaining in the mine subsidence insurance fund established under section 7 of this chapter;

since the date of the previous publication of the report under this section.

As added by P.L.182-2001, SEC.5.
Ind. Code § 27-9-3-20 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-20
Liens dissolved by furnishing bond; effect of voidable lien
Status: in_force

Sec. 20. If any lien that is voidable under section 16(b) of this chapter has been dissolved by the furnishing of a bond or other obligation, the surety on which has been indemnified directly or indirectly by the transfer of or the creation of a lien upon any property of an insurer before the filing of a petition under IC 27-9 that results in a liquidation order, the indemnifying transfer or lien shall also be considered voidable.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-1-12-12 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-12
Transition period; selection of date; effect
Status: in_force

Sec. 12. The period beginning July 1, 1943, and ending January 1, 1948, both dates inclusive, shall be a transition period between the nonforfeiture provisions set forth respectively in sections 5, 6, and 7 of this chapter and between the valuation provisions set forth respectively in IC 27-1-12.8-18 and IC 27-1-12.8-19 through IC 27-1-12.8-40. Accordingly, a company may, by means of a writing filed with the department, select a transition date within such period, but should a company fail to make such a selection, the transition date as to such company shall be January 1, 1948. Except as otherwise provided in IC 27-1-12.8, for group annuities and pure endowments, policies issued prior to the transition date shall be governed in all respects and at all times by section 5 of this chapter and IC 27-1-12.8-18, and policies issued on or after such transition date shall be governed in all respects and at all times by sections 6 and 7 of this chapter and IC 27-1-12.8. A company's election of a transition date shall be irrevocable and shall apply to sections 6 and 7 of this chapter and IC 27-1-12.8 without exception, as well as to that portion of section 31 of this chapter which relates to policies bearing a date of issue later than such transition date.

Formerly: Acts 1935, c.162, s.153C; Acts 1943, c.189, s.7; Acts 1973, P.L.273, SEC.3; Acts 1974, P.L.1, SEC.12. As amended by P.L.252-1985, SEC.63; P.L.276-2013, SEC.8.
Ind. Code § 27-13-1-11 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-11
"Deductible"
Status: in_force

Sec. 11. "Deductible" means the amount that an enrollee is responsible to pay out-of-pocket before the health maintenance organization begins to pay the costs associated with the health care services.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-13-7-24.5 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-24.5
Coverage for chronic pain management
Status: in_force

Sec. 24.5. (a) This section applies to each of the following:

(1) An individual contract.

(2) A group contract.

(b) As used in this section, "chronic pain" means pain that:

(1) persists beyond the usual course of an acute disease or healing of an injury; or

(2) may be associated with an acute or chronic pathologic process that causes continuous or intermittent pain for a period of months or years.

(c) As used in this section, "chronic pain management" means evidence based health care products and services intended to relieve chronic pain that has lasted for at least three (3) months. The term includes:

(1) prescription drugs;

(2) physical therapy;

(3) occupational therapy;

(4) chiropractic care;

(5) osteopathic manipulative treatment; and

(6) athletic trainer services.

(d) An individual contract and a group contract must provide coverage for medically necessary chronic pain management prescribed by an enrollee's treating practitioner.

(e) The coverage required by this section may not be subject to annual or lifetime limitation, deductible, copayment, or coinsurance provisions that are more restrictive than the annual or lifetime limitation, deductible, copayment, or coinsurance provisions that apply generally under the individual contract or group contract.

As added by P.L.149-2019, SEC.6.
Ind. Code § 27-8-10-5.1 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-5.1
Policies; eligible persons; dependent coverage; preexisting conditions
Status: in_force

Sec. 5.1. (a) A person is not eligible for an association policy if the person is eligible for any of the coverage described in subdivisions (1) and (2). A person other than a federally eligible individual may not apply for an association policy unless the person has applied for:

(1) Medicaid; and

(2) coverage under the:

(A) preexisting condition insurance plan program established by the Secretary of Health and Human Services under Section 1101 of Title I of the federal Patient Protection and Affordable Care Act (P.L. 111-148); and

(B) healthy Indiana plan under IC 12-15-44.2;

not more than sixty (60) days before applying for the association policy.

(b) Except as provided in subsection (c), a person is not eligible for an association policy if, at the effective date of coverage, the person has or is eligible for coverage under any insurance plan that equals or exceeds the minimum requirements for accident and sickness insurance policies issued in Indiana as set forth in IC 27. However, an offer of coverage described in IC 27-8-5-2.5(e) (expired July 1, 2007, and removed), IC 27-8-5-2.7, IC 27-8-5-19.2(e) (expired July 1, 2007, and repealed), or IC 27-8-5-19.3 does not affect an individual's eligibility for an association policy under this subsection. Coverage under any association policy is in excess of, and may not duplicate, coverage under any other form of health insurance.

(c) Except as provided in subsection (a), a person is eligible for an association policy upon a showing that:

(1) the person has been rejected by one (1) carrier for coverage under any insurance plan that equals or exceeds the minimum requirements for accident and sickness insurance policies issued in Indiana, as set forth in IC 27, without material underwriting restrictions;

(2) an insurer has refused to issue insurance except at a rate exceeding the association plan rate; or

(3) the person is a federally eligible individual.

For the purposes of this subsection, eligibility for Medicare coverage does not disqualify a person who is less than sixty-five (65) years of age from eligibility for an association policy.

(d) Coverage under an association policy terminates as follows:

(1) On the first date on which an insured is no longer a resident of Indiana.

(2) On the date on which an insured requests cancellation of the association policy.

(3) On the date of the death of an insured.

(4) At the end of the policy period for which the premium has been paid.

(5) On the first date on which the insured no longer meets the eligibility requirements under this section.

(e) An association policy must provide that coverage of a dependent unmarried child terminates when the child becomes nineteen (19) years of age (or twenty-five (25) years of age if the child is enrolled full time in an accredited educational institution). The policy must also provide in substance that attainment of the limiting age does not operate to terminate a dependent unmarried child's coverage while the dependent is and continues to be both:

(1) incapable of self-sustaining employment by reason of a mental, intellectual, or physical disability; and

(2) chiefly dependent upon the person in whose name the contract is issued for support and maintenance.

However, proof of such incapacity and dependency must be furnished to the carrier within one hundred twenty (120) days of the child's attainment of the limiting age, and subsequently as may be required by the carrier, but not more frequently than annually after the two (2) year period following the child's attainment of the limiting age.

(f) An association policy that provides coverage for a family member of the person in whose name the contract is issued must, as to the family member's coverage, also provide that the health insurance benefits applicable for children are payable with respect to a newly born child of the person in whose name the contract is issued from the moment of birth. The coverage for newly born children must consist of coverage of injury or illness, including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities. If payment of a specific premium is required to provide coverage for the child, the contract may require that notification of the birth of a child and payment of the required premium must be furnished to the carrier within thirty-one (31) days after the date of birth in order to have the coverage continued beyond the thirty-one (31) day period.

(g) Except as provided in subsection (h), an association policy may contain provisions under which coverage is excluded during a period of three (3) months following the effective date of coverage as to a given covered individual for preexisting conditions, as long as medical advice or treatment was recommended or received within a period of three (3) months before the effective date of coverage. This subsection may not be construed to prohibit preexisting condition provisions in an insurance policy that are more favorable to the insured.

(h) If a person applies for an association policy within six (6) months after termination of the person's coverage under a health insurance arrangement and the person meets the eligibility requirements of subsection (c), then an association policy may not contain provisions under which:

(1) coverage as to a given individual is delayed to a date after the effective date or excluded from the policy; or

(2) coverage as to a given condition is denied;

on the basis of a preexisting health condition. This subsection may not be construed to prohibit preexisting condition provisions in an insurance policy that are more favorable to the insured.

(i) For purposes of this section, coverage under a health insurance arrangement includes, but is not limited to, coverage pursuant to the Consolidated Omnibus Budget Reconciliation Act of 1985.

As added by P.L.1-1990, SEC.264. Amended by P.L.23-1993, SEC.155; P.L.130-1994, SEC.46; P.L.116-1994, SEC.67; P.L.26-1994, SEC.15; P.L.2-1995, SEC.109; P.L.91-1998, SEC.14; P.L.207-1999, SEC.5 and P.L.233-1999, SEC.11; P.L.193-2003, SEC.7; P.L.211-2003, SEC.5; P.L.97-2004, SEC.100; P.L.211-2005, SEC.3; P.L.3-2008, SEC.213; P.L.229-2011, SEC.253; P.L.117-2015, SEC.39; P.L.213-2015, SEC.252; P.L.208-2018, SEC.26.
Ind. Code § 27-1-12.8-37 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-37
Confidential information
Status: in_force

Sec. 37. (a) Except as provided in this section and section 38 of this chapter, a company's confidential information is:

(1) confidential by law and privileged;

(2) not subject to subpoena; and

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

However, the commissioner may use confidential information in the furtherance of a regulatory or legal action brought against the company as a part of the commissioner's duties.

(b) The commissioner, or a person receiving confidential information while acting under the authority of the commissioner, is not permitted or required to testify in a private civil action concerning confidential information.

(c) The commissioner may disclose confidential information to:

(1) other state, federal, and international regulatory agencies;

(2) the NAIC and affiliates and subsidiaries of the NAIC;

(3) only in the case of confidential information specified in section 5(1) and 5(4) of this chapter, the Actuarial Board for Counseling and Discipline upon request stating that the confidential information is required for professional disciplinary proceedings; and

(4) state, federal, and international law enforcement authorities;

if the recipient agrees, and has the legal authority to agree, to maintain the confidential and privileged status of the confidential information in the same manner and to the same extent as required for the commissioner.

(d) The commissioner:

(1) may receive confidential information, including privileged confidential information, from:

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

(B) the NAIC and affiliates and subsidiaries of the NAIC;

(C) the Actuarial Board for Counseling and Discipline; and

(D) other state, federal, and international law enforcement authorities; and

(2) shall maintain as confidential or privileged all confidential information received with notice or the understanding that the confidential information is confidential or privileged under the law of the jurisdiction that is the source of the confidential information.

(e) The commissioner may enter into agreements governing sharing and use of information consistent with this section.

(f) Any applicable privilege or claim of confidentiality in confidential information described in this section is not waived as a result of the disclosure or receipt of the confidential information by the commissioner under this section.

(g) A privilege established under the law of any state or jurisdiction that is substantially similar to the privilege established under this section is available and must be enforced in a proceeding in and by any court of this state.

(h) For purposes of this section, "regulatory agency", "law enforcement agency", and "NAIC" include employees, agents, consultants, and contractors of a regulatory agency, law enforcement agency, and NAIC.

As added by P.L.276-2013, SEC.10. Amended by P.L.124-2018, SEC.29.
Ind. Code § 27-1-45.5-4 — Indiana Code / Title 27 / Article 1 / Chapter 45.5 / Section 27-1-45.5-4
Domestic tax exempt reciprocal insurance company
Status: in_force

Sec. 4. (a) After:

(1) receiving a certificate of authority from the insurance commissioner to transact the business of insurance in Indiana as a domestic tax exempt reciprocal insurance company; and

(2) making any changes in structure and legal status necessary or beneficial to the conversion of IPEP from a domestic nonprofit corporation into a domestic tax exempt reciprocal insurance company;

IPEP shall begin transacting the business of insurance as a domestic tax exempt reciprocal insurance company.

(b) All of the following apply on the date on which IPEP begins transacting the business of insurance as a domestic tax exempt reciprocal insurance company:

(1) All powers, duties, agreements, and liabilities that IPEP had as a domestic nonprofit corporation immediately before the date are transferred to the domestic tax exempt reciprocal insurance company as the successor entity.

(2) All records and property that IPEP had as a domestic nonprofit corporation immediately before the date, including all funds under the control or supervision of IPEP, are transferred to the domestic tax exempt reciprocal insurance company as the successor entity.

(3) Any amounts owed to IPEP immediately before the date are considered to be owed to the domestic tax exempt reciprocal insurance company as the successor entity.

(4) A reference to IPEP in a statute, rule, or other document is considered a reference to the domestic insurance company as the successor entity.

(5) All powers, duties, agreements, and liabilities of IPEP immediately before the date with respect to bonds issued by IPEP in connection with any trust agreement or indenture securing the bonds are transferred to the domestic tax exempt reciprocal insurance company as the successor entity. The rights of the trustee under any trust agreement or indenture and the rights of the bondholders of IPEP remain unchanged despite the transfer of the powers, duties, agreements, and liabilities of IPEP to the domestic tax exempt reciprocal insurance company as the successor entity.

As added by P.L.117-2021, SEC.4.
Ind. Code § 27-6-9-23 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-23
Engagement of services of a reinsurance intermediary-manager; statement of financial condition; loss reserves; authority to contract; termination; board of directors
Status: in_force

Sec. 23. (a) A reinsurer may not engage the services of any person, firm, association, or corporation to act as a RM on its behalf unless the person engaged is licensed as required by section 13 of this chapter.

(b) A reinsurer shall annually obtain a copy of statements of the financial condition of each RM which the reinsurer has engaged, prepared by an independent certified accountant in a form acceptable to the commissioner.

(c) If a RM establishes loss reserves, the reinsurer shall annually obtain the opinion of an actuary attesting to the adequacy of loss reserves established for losses incurred and outstanding on business produced by the RM. This opinion shall be in addition to any other required loss reserve certification.

(d) Binding authority for all retrocessional contracts or participation in reinsurance syndicates shall rest with an officer of the reinsurer, who must not be affiliated with the RM.

(e) Within thirty (30) days of termination of a contract with a RM, the reinsurer shall provide written notification of the termination to the commissioner.

(f) A reinsurer may not appoint to its board of directors any officer, director, employee, controlling shareholder, or subproducer of its RM. This subsection does not apply to relationships governed by IC 27-1-23.

As added by P.L.26-1991, SEC.26.
Ind. Code § 27-1-37.1-2 — Indiana Code / Title 27 / Article 1 / Chapter 37.1 / Section 27-1-37.1-2
"Health provider contract"
Status: in_force

Sec. 2. As used in this chapter, "health provider contract" means an agreement with a provider relating to terms and conditions of reimbursement for health care services provided to an individual under:

(1) an employee welfare benefit plan (as defined in 29 U.S.C. 1002 et seq.);

(2) a policy of accident and sickness insurance (as defined in IC 27-8-5-1);

(3) a contract with a health maintenance organization;

(4) a self-insurance program established under IC 5-10-8-7(b); or

(5) a prepaid health care delivery plan entered into under IC 5-10-8-7(c).

As added by P.L.196-2001, SEC.1.
Ind. Code § 27-1-22-3 — Indiana Code / Title 27 / Article 1 / Chapter 22 / Section 27-1-22-3
Guidelines for establishing rates; uniformity; fleet or fleet policy
Status: in_force

Sec. 3. (a) Rates shall be made in accordance with the following provisions:

(1) Due consideration shall be given to the past and prospective loss experience within and outside this state, to conflagration and catastrophe hazards, if any, to a reasonable margin for underwriting profit and contingencies, to dividends or savings allowed or returned by insurers to their policyholders or members, to past and prospective expenses both countrywide and those specifically applicable to this state, to all other relevant factors, including trend factors, within and outside this state, and in the case of fire insurance rates, to the underwriting experience of the fire insurance business during a period of not less than the most recent five (5) year period for which such experience is available and relevant.

(2) Risks may be grouped by classifications, by rating schedules, or by any other reasonable methods, for the establishment of rates and minimum premiums. Classification rates may be modified to produce rates for individual risks in accordance with rating plans which establish standards for measuring variations in hazards or expense provisions, or both. Such standards may measure any difference among risks that can be demonstrated to have a probable effect upon losses or expenses.

(3) The systems of expense provisions included in the rates for use by any insurer or group of insurers may differ from those of other insurers or groups of insurers to reflect the requirements of the operating methods of any such insurer or group with respect to any kind of insurance, or with respect to any subdivision or combination thereof for which subdivision or combination separate expense provisions are applicable.

(4) Rates shall not be excessive, inadequate, or unfairly discriminatory.

No rate shall be held to be excessive unless such rate is unreasonably high for the insurance coverage provided and a reasonable degree of competition does not exist in the area with respect to the classification to which such rate is applicable. No rate shall be held to be inadequate unless such rate is unreasonably low for the insurance coverage provided and is insufficient to sustain projected losses and expenses, or unless such rate is unreasonably low for the insurance coverage provided and the use of such rate has, or if continued, will have, the effect of destroying competition or creating a monopoly. A rating difference that results from application of a rating plan that is intended to control rate changes applicable to a current policyholder upon renewal of the policy or the transfer of a policy in force among insurers is not unfairly discriminatory, is not an unfair or deceptive act or practice in the business of insurance under IC 27-4-1-4, and is not a violation of IC 27-1-20-30.

(b) Except to the extent necessary to meet the provisions of subsection (a)(4), uniformity among insurers in any matters within the scope of this section is neither required nor prohibited.

(c) For the purpose of making rates upon automobiles and other motor vehicles under the provisions of this chapter, the terms "fleet" or "fleet policy" shall mean an insurance risk of five (5) or more automobiles and other vehicles of any kind, all owned by one (1) insured and all under one (1) direct operating management; provided, that automobiles and other motor vehicles owned by employees may not be included or insured under a fleet policy of an employer under any circumstances.

Formerly: Acts 1967, c.133, s.3. As amended by P.L.252-1985, SEC.106; P.L.55-2011, SEC.1.
Ind. Code § 27-13-7-28 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-28
Mental health detention as medically necessary
Status: in_force

Sec. 28. An individual contract and a group contract shall consider services provided to an individual while detained under IC 12-26-5 as medically necessary when provided in accordance with generally accepted clinical care guidelines.

As added by P.L.205-2023, SEC.25.
Ind. Code § 27-1-50-2 — Indiana Code / Title 27 / Article 1 / Chapter 50 / Section 27-1-50-2
"Defined cost sharing"
Status: in_force

Sec. 2. As used in this chapter, "defined cost sharing" means a deductible payment or coinsurance amount imposed on a covered individual for a covered prescription drug under the covered individual's health insurance coverage.

As added by P.L.166-2023, SEC.3.
Ind. Code § 27-14.5-2-3 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-3
Mutual insurance holding company must have voting power
Status: in_force

Sec. 3. After the effective date of the reorganization of a mutual insurance company as a mutual insurance holding company under this chapter, the mutual insurance holding company must at all times have the direct or indirect power to cast at least a majority of the votes for the election of the members of the board of directors of:

(1) each stock insurance company subsidiary; and

(2) any intermediate stock holding company.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-28-1 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-1
Governance
Status: in_force

Sec. 1. This chapter governs the qualifications and procedure for the licensing of independent adjusters.

As added by P.L.11-2011, SEC.22.
Ind. Code § 27-13-22-4 — Indiana Code / Title 27 / Article 13 / Chapter 22 / Section 27-13-22-4
Contracting with health maintenance organizations to provide insurance coverage
Status: in_force

Sec. 4. An insurer or a hospital may contract with a health maintenance organization to provide to the health maintenance organization:

(1) insurance coverage or similar protection against the cost of health care services provided through the health maintenance organization; or

(2) insurance coverage in the event of the failure of the health maintenance organization to meet its obligations to enrollees or providers.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-7-2-4.5 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-4.5
Premium or rate discount for municipal corporations or volunteer fire departments
Status: in_force

Sec. 4.5. The bureau may recommend a premium or rate discount for a municipal corporation purchasing or procuring worker's compensation insurance under IC 22-3-2-2(c) or a volunteer fire department purchasing worker's compensation insurance under IC 36-8-12-10 that has implemented the best practices established under IC 36-8-10.5-11.

As added by P.L.72-2020, SEC.1.
Ind. Code § 27-7-17.5-9 — Indiana Code / Title 27 / Article 7 / Chapter 17.5 / Section 27-7-17.5-9
Orders; civil penalties
Status: in_force

Sec. 9. (a) If:

(1) an insurer (as defined in IC 27-1-2-3(x));

(2) a health maintenance organization (as defined in IC 27-13-1-19);

(3) a preferred provider plan (as defined in IC 27-8-11-1(g)); or

(4) any other person;

violates this chapter, the insurance commissioner may enter an order requiring the person to cease and desist from violating this chapter.

(b) If a person violates a cease and desist order issued under subsection (a), the insurance commissioner, after notice and hearing under IC 4-21.5, may:

(1) impose a civil penalty upon the person of not more than ten thousand dollars ($10,000) for each day of violation;

(2) suspend or revoke the person's certificate of authority, if the person holds a certificate of authority under this title; or

(3) both impose a civil penalty upon the person under subdivision (1) and suspend or revoke the person's certificate of authority under subdivision (2).

As added by P.L.42-2022, SEC.1.
Ind. Code § 27-6-9-21 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-21
Transactions between reinsurance intermediary-manager and reinsurer; written contract; contents
Status: in_force

Sec. 21. Transactions between a RM and the reinsurer it represents in the capacity of RM may only be entered into pursuant to a written contract, specifying the responsibilities of each party, which must be approved by the reinsurer's board of directors. At least thirty (30) days before a reinsurer assumes or cedes business through a RM, a true copy of the approved contract must be filed with the commissioner for approval. The contract must, at a minimum, contain provisions that state the following:

(1) The reinsurer may terminate the contract for cause upon written notice to the RM, and may suspend the authority of the RM to assume or cede business during the pendency of any dispute regarding the cause for termination.

(2) The RM will:

(A) render accounts to the reinsurer accurately detailing all material transactions, including information necessary to support all commissions, charges, and other fees received by, or owing to, the RM; and

(B) remit all funds due under the contract to the reinsurer on not less than a monthly basis.

(3) All funds collected for the reinsurer's account will be held by the RM in a fiduciary capacity in a bank which is a qualified United States financial institution. The RM may retain no more than three (3) months estimated claims payments and allocated loss adjustment expenses. The RM shall maintain a separate bank account for each reinsurer that it represents.

(4) For at least ten (10) years after expiration of each contract of reinsurance transacted by the RM, the RM will keep a complete record for each transactions showing the following:

(A) The type of contract, limits, underwriting restrictions, classes or risks, and territory.

(B) Period of coverage, including effective and expiration dates, cancellation provisions and notice required of cancellation, and disposition of outstanding reserves on covered risks.

(C) Reporting and settlement requirements of balances.

(D) Rate used to compute the reinsurance premium.

(E) Names and addresses of reinsurers.

(F) Rates of all reinsurance commissions, including the commissions on any retrocessions handled by the RM.

(G) Related correspondence and memoranda.

(H) Proof of placement.

(I) Details regarding retrocessions handled by the RM, as permitted by section 23(d) of this chapter, including the identity of retrocessionaires and percentage of each contract assumed or ceded.

(J) Financial records, including premium and loss accounts.

(K) When the RM places a reinsurance contract on behalf of a ceding insurer:

(i) directly from any assuming reinsurer, written evidence that the assuming reinsurer has agreed to assume the risk; or

(ii) if placed through a representative of the assuming reinsurer, other than an employee, written evidence that the reinsurer has delegated binding authority to the representative.

(5) The reinsurer will have access and the right to copy all accounts and records maintained by the RM related to its business in a form usable by the reinsurer.

(6) The contract cannot be assigned in whole or in part by the RM.

(7) The RM will comply with the written underwriting and rating standards established by the insurer for the acceptance, rejection, or cession of all risks.

(8) The rates, terms, and purposes of commissions, charges, and other fees which the RM may levy against the reinsurer.

(9) If the contract permits the RM to settle claims on behalf of the reinsurer the following apply:

(A) All claims will be reported to the reinsurer in a timely manner.

(B) A copy of the claim file will be sent to the reinsurer at its request or as soon as it becomes known that the claim:

(i) has the potential to exceed the lesser of an amount determined by the commissioner or the limit set by the reinsurer;

(ii) involves a coverage dispute;

(iii) may exceed the RM's claims settlement authority;

(iv) is open for more than six (6) months; or

(v) is closed by payment of the lesser of an amount set by the commissioner or an amount set by the reinsurer.

(C) All claim files will be the joint property of the reinsurer and RM. However, upon an order of liquidation of the reinsurer, the files shall become the sole property of the reinsurer or its estate, and the RM shall have reasonable access to and the right to copy the files on a timely basis.

(D) Any settlement authority granted to the RM may be terminated for cause upon the reinsurer's written notice to the RM or upon the termination of the contract. The reinsurer may suspend the settlement authority during the pendency of the dispute regarding the cause of termination.

(10) If the contract provides for a sharing of interim profits by the RM, that those interim profits will not be paid until one (1) year after the end of each underwriting period for property business and five (5) years after the end of each underwriting period for casualty business (or a later period set by the commissioner for specified lines of insurance) and not until the adequacy of reserves on remaining claims has been verified under section 23(c) of this chapter.

(11) The RM will annually provide the reinsurer with a statement of its financial condition prepared by an independent certified accountant.

(12) The reinsurer shall periodically (at least semiannually) conduct an on-site review of the underwriting and claims processing operations of the RM.

(13) The RM will disclose to the reinsurer any relationship it has with any insurer prior to ceding or assuming any business with that insurer pursuant to the contract.

(14) The acts of the RM shall be considered to be the acts of the reinsurer on whose behalf the RM is acting.

As added by P.L.26-1991, SEC.26.
Ind. Code § 27-1-13-8 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-8
Estimating condition; classification of items as assets or liabilities; reserves
Status: in_force

Sec. 8. In estimating the condition of any company which makes insurance comprised within class 2 or class 3 of IC 27-1-5-1, the department shall allow only such investments as assets as are authorized by the laws of this state at the date of the investigation, but unpaid premiums on policies or renewals written within three (3) months shall be admitted as available resources. It shall charge as liabilities in addition to all other outstanding indebtedness of the company the capital stock, if any, and the following:

(a) The premium reserve on policies in force equal to fifty percent (50%) of the gross premiums charged for covering risks, less the reserve computed by the same method, on reinsurance in force. However, the department may, in its discretion, charge a premium reserve equal to the unearned portions of the gross premium charged by computing on each respective risk from the date of the issuance of the policy, less the reserve, computed by the same method, on reinsurance in force.

(b) In the case of policies of marine or inland navigation or transportation insurance it shall charge as a liability fifty percent (50%) of the amount of the premiums written in such policies upon yearly risks and upon risks covering not more than one (1) passage not terminated and the full amount of premiums written in policies upon all other such risks not terminated.

(c) The reserve for outstanding losses at least equal to the aggregate estimated amounts due or to become due on account of all losses or claims of which the company has received notice. However, the loss reserve shall also include the estimated liability on any notices received by the company of the occurrence of any event which may result in a loss and the estimated liability for all losses which have occurred but on which no notice has been received. For the purpose of such reserves, the company shall keep a complete and itemized record showing all losses and claims on which it has received notice, including all notices received by it of the occurrence of any event which may result in a loss.

(d) Any other reserves as are required by or provided for in the applicable Annual Statement Blanks furnished to companies under IC 27-1-3-13.

(e) Whenever, in the judgment of the department, the loss reserves calculated in accordance with subsections (a), (b), (c), and (d) are inadequate, it may in its discretion require a company to maintain additional reserves.

Formerly: Acts 1935, c.162, s.179. As amended by P.L.260-1983, SEC.7; P.L.124-2018, SEC.32.
Ind. Code § 27-1-12-2.5 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-2.5
Investments; assets of certain segregated investment accounts; limitations and exceptions
Status: in_force

Sec. 2.5. (a) A domestic life insurance company, which has a segregated account or accounts in relation to contracts to which class 1(c) of IC 27-1-5-1 applies, is governed as to its investment of assets by the investment limitations of section 2 of this chapter with the following exceptions:

(1) the limitations prescribed in paragraph 22 of section 2(b) of this chapter are not applicable to investments in relation to such segregated account or accounts;

(2) investments under paragraph 20 of section 2(b) of this chapter are solely limited to ten percent (10%) of the assets of such segregated account; and

(3) the limitations in sections 2 and 3 of this chapter do not apply with regard to contributions, premiums, or considerations made by holders of pension contracts issued by a domestic life insurance company, which has net assets of at least twenty-five million dollars ($25,000,000) at the end of the preceding calendar year and which has allocated such contributions, premiums, or considerations to a segregated investment account or accounts.

(b) Nothing in section 2 of this chapter or this section prohibits the investment of all assets of a segregated account or accounts in any open-end diversified management company registered under the federal Investment Company Act of 1940 (15 U.S.C. 80a-1 et seq.).

(c) Pension contracts for the purposes of subsection (a)(3) means contracts to which both class 1(c) of IC 27-1-5-1 applies and which are issued in connection with a plan or other arrangement described in section 3(a)(2) of the Securities Act of 1933, (15 U.S.C. 77c(a)(2)). The term also includes agreements reinsuring other insurers' contracts which were issued in connection with plans or other arrangements described in 15 U.S.C. 77c(a)(2).

As added by Acts 1981, P.L.236, SEC.2. Amended by P.L.186-1997, SEC.4.
Ind. Code § 27-1-24.5-15 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-15
"Pharmacy services administrative organization"
Status: in_force

Sec. 15. As used in this chapter, "pharmacy services administrative organization" means an organization that assists independent pharmacies and pharmacy benefit managers or health plans to achieve administrative efficiencies, including contracting and payment efficiencies.

As added by P.L.68-2020, SEC.1.
Ind. Code § 27-7-17-8 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-8
"Fulfillment materials"
Status: in_force

Sec. 8. As used in this chapter, "fulfillment materials" means documentation sent to the purchaser of a travel protection plan confirming the purchase and providing the travel protection plan's coverage and assistance details.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-8-17-5 — Indiana Code / Title 27 / Article 8 / Chapter 17 / Section 27-8-17-5
"Provider of record" defined
Status: in_force

Sec. 5. As used in this chapter, "provider of record" means the physician or other licensed practitioner identified to a utilization review agent as having primary responsibility for the care, treatment, and services rendered to a covered individual.

As added by P.L.128-1992, SEC.1.
Ind. Code § 27-8-29-21 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-21
Filing description of grievance procedure
Status: in_force

Sec. 21. (a) An insurer shall each year file with the commissioner a description of the grievance procedure established by the insurer under this chapter, including:

(1) the total number of external grievances handled through the procedure during the preceding calendar year;

(2) a compilation of the causes underlying those grievances; and

(3) a summary of the final disposition of those grievances;

for each independent review organization used by the insurer during the reporting year.

(b) The information required by subsection (a) must be filed with the commissioner on or before March 1 of each year. The commissioner shall:

(1) make the information required to be filed under this section available to the public; and

(2) prepare an annual compilation of the data required under subsection (a) that allows for comparative analysis.

(c) The commissioner may require any additional reports that are necessary and appropriate for the commissioner to carry out the commissioner's duties under this article.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14. Amended by P.L.1-2002, SEC.122.
Ind. Code § 27-15-6-5 — Indiana Code / Title 27 / Article 15 / Chapter 6 / Section 27-15-6-5
Compliance with capital and surplus requirements
Status: in_force

Sec. 5. The former mutual shall comply with the minimum capital and surplus requirements applicable to domestic stock insurance companies as though the former mutual was organized as a stock insurance company on its original date of organization.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-42-2 — Indiana Code / Title 27 / Article 1 / Chapter 42 / Section 27-1-42-2
"Certificate of insurance"
Status: in_force

Sec. 2. (a) As used in this chapter, "certificate of insurance" means a document prepared by an insurer or insurance producer as evidence of property or casualty insurance coverage.

(b) The term does not include a policy of insurance, an insurance binder, a policy endorsement, or a motor vehicle insurance identification or information card.

As added by P.L.70-2013, SEC.1.
Ind. Code § 27-2-21-4 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-4
"Commissioner"
Status: in_force

Sec. 4. As used in this chapter, "commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-1-37.3-11 — Indiana Code / Title 27 / Article 1 / Chapter 37.3 / Section 27-1-37.3-11
Arbitration of disputes
Status: in_force

Sec. 11. A health care contract may provide for arbitration of disputes arising under this chapter.

As added by P.L.55-2008, SEC.1.
Ind. Code § 27-15-14-2 — Indiana Code / Title 27 / Article 15 / Chapter 14 / Section 27-15-14-2
Application for approval; required descriptions
Status: in_force

Sec. 2. The application for approval of a plan of conversion and an amendment to the articles of incorporation described in section 1 of this chapter must include a description of how the converting mutual will meet the statutory surplus and capital requirements on the date the plan of conversion is completed, which may involve the issuance and sale directly to one (1) or more purchasers of the capital stock of the former mutual or of a parent company.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-37.6-16 — Indiana Code / Title 27 / Article 1 / Chapter 37.6 / Section 27-1-37.6-16
Program eligibility
Status: in_force

Sec. 16. A health care provider that enters into:

(1) a value based health care reimbursement agreement; and

(2) an electronic medical records access agreement;

with a health plan may qualify to participate in a program established by the health plan to reduce or eliminate prior authorization requirements.

As added by P.L.203-2023, SEC.19.
Ind. Code § 27-4-4-8 — Indiana Code / Title 27 / Article 4 / Chapter 4 / Section 27-4-4-8
Short title
Status: in_force

Sec. 8. This chapter may be cited as the Unauthorized Insurers Process Act.

Formerly: Acts 1955, c.203, s.9. As amended by P.L.252-1985, SEC.164.
Ind. Code § 27-1-29.1-18 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-18
Punitive damages; bodily injury or property damage; installment payments; structured settlements
Status: in_force

Sec. 18. (a) No amount may be paid from the fund in respect of punitive damages paid by or assessed against a member of the fund.

(b) No amount may be paid from the fund in the case of a liability based upon bodily injury or property damage arising out of the discharge, dispersal, release, or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids, gases, waste materials, or other irritants, contaminants, or pollutants into or upon land, the atmosphere, or any watercourse or body of water unless the discharge, dispersal, release, or escape:

(1) is caused by an act or omission of a political subdivision that is a member of the fund; and

(2) occurs as a result of:

(A) a household hazardous waste; or

(B) a conditionally exempt small quantity generator (as described in 40 CFR 261.5(a);

collection, disposal, or recycling project conducted by or controlled by the political subdivision.

(c) The commissioner may pay a liability of a member of the fund in a series of annual payments. The amount of any annual payment under this subsection based upon the injury to or death of one (1) person in any one (1) occurrence must be one hundred thousand dollars ($100,000) or more, except for the final payment in a series of payments.

(d) The commission may negotiate a structured settlement of any claim.

(e) As used in this section, "household hazardous waste" means solid waste generated by households that consists of or contains a material that is:

(1) ignitable, as described in 40 CFR 261.21;

(2) corrosive, as described in 40 CFR 261.22;

(3) reactive, as described in 40 CFR 261.23; or

(4) toxic, as described in 40 CFR 261.24.

As added by P.L.272-1987, SEC.7. Amended by P.L.256-1995, SEC.2.
Ind. Code § 27-1-45.2-9 — Indiana Code / Title 27 / Article 1 / Chapter 45.2 / Section 27-1-45.2-9
"Qualified dispute"
Status: in_force

Sec. 9. As used in this chapter, "qualified dispute" means a distinct item or service that is included in a request for independent dispute resolution.

As added by P.L.119-2026, SEC.1.
Ind. Code § 27-1-2.2-4 — Indiana Code / Title 27 / Article 1 / Chapter 2.2 / Section 27-1-2.2-4
Coverage not considered insurance
Status: in_force

Sec. 4. (a) Nonprofit agricultural organization coverage provided under this chapter:

(1) is not insurance;

(2) shall not be considered to be insurance under this title or any other provision of Indiana law; and

(3) is not subject to the regulatory authority of the department of insurance under this title or any other provision of Indiana law.

(b) Entering into a contract between a nonprofit agricultural organization and an individual for health coverage under this chapter does not constitute the business of insurance.

(c) A nonprofit agricultural organization providing coverage under this chapter is not required to obtain a certificate of authority under IC 27-1-3-20.

As added by P.L.136-2020, SEC.1.
Ind. Code § 27-15-11-8 — Indiana Code / Title 27 / Article 15 / Chapter 11 / Section 27-15-11-8
Annual reports and reviews of former mutual
Status: in_force

Sec. 8. The former mutual shall:

(1) submit to the commissioner annual reports, in a form acceptable to the commissioner, that account for and describe the operations of the closed block; and

(2) as specified in the plan of operation, provide at least every three (3) years for reviews of, and reports and opinions on, the closed block by an independent actuary, unless otherwise directed by the commissioner.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-9-7 — Indiana Code / Title 27 / Article 1 / Chapter 9 / Section 27-1-9-7
Repealed
Status: repealed

Formerly: Acts 1935, c.162, s.120; Acts 1941, c.115, s.2. Repealed by P.L.260-1983, SEC.8.
Ind. Code § 27-1-15.7-2 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-2
License renewal
Status: in_force

Sec. 2. (a) Except as provided in subsection (b) and section 2.4 of this chapter, to renew a license issued under IC 27-1-15.6, a resident insurance producer must complete at least twenty-four (24) hours of credit in continuing education courses, not more than four (4) hours of which may be in courses concerning one (1) or a combination of the following:

(1) Sales promotion.

(2) Sales technique.

(3) Motivation.

(4) Psychology.

(5) Time management.

If the insurance producer has a qualification described in IC 27-1-15.6-7(a)(1), IC 27-1-15.6-7(a)(2), or IC 27-1-15.6-7(a)(5), for a license renewal that occurs after June 30, 2014, at least three (3) of the hours of credit required by this subsection must be related to ethical practices in the marketing and sale of life, health, or annuity insurance products. An attorney in good standing who is admitted to the practice of law in Indiana and holds a license issued under IC 27-1-15.6 may complete all or any number of hours of continuing education required by this subsection by completing an equivalent number of hours in continuing legal education courses that are related to the business of insurance.

(b) Except as provided in subsection (c), to renew a license issued under IC 27-1-15.6, a limited lines producer with a title qualification under IC 27-1-15.6-7(a)(8) must complete at least seven (7) hours of credit in continuing education courses related to the business of title insurance, in a structured setting or comparable self-study, in any of the following or any combination of the following:

(1) Ethical practices in the marketing and selling of title insurance, including provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act set forth in 12 U.S.C. 2608.

(2) Title insurance underwriting.

(3) Escrow matters.

(4) Matters concerning regulation by the department.

(5) Any other topic related to the marketing and selling of title insurance.

An attorney in good standing who is admitted to the practice of law in Indiana and holds a license issued under IC 27-1-15.6 with a title qualification under IC 27-1-15.6-7(a)(8) may complete all or any number of hours of continuing education required by this subsection by completing an equivalent number of hours in continuing legal education courses related to the business of title insurance or any aspect of real property law.

(c) The following insurance producers are not required to complete continuing education courses to renew a license under this chapter:

(1) A limited lines producer who is licensed without examination under IC 27-1-15.6-18(1).

(2) A limited line credit insurance producer.

(3) A nonresident limited lines producer with a title qualification:

(A) whose home state requires continuing education for a title qualification; and

(B) who has met the continuing education requirements described in clause (A).

(d) Except as provided in section 2.2 of this chapter, to satisfy the requirements of subsection (a) or (b), a licensee may use only those credit hours earned in continuing education courses completed by the licensee:

(1) after the effective date of the licensee's last renewal of a license under this chapter; or

(2) if the licensee is renewing a license for the first time, after the date on which the licensee was issued the license under this chapter.

(e) If an insurance producer receives qualification for a license in more than one (1) line of authority under IC 27-1-15.6, the insurance producer may not be required to complete a total of more than twenty-four (24) hours of credit in continuing education courses to renew the license.

(f) Except as provided in subsection (g), a licensee may receive credit only for completing the following continuing education courses:

(1) Continuing education courses that have been approved by the commissioner under section 4 of this chapter.

(2) Continuing education courses that are required for the licensee under IC 27-19-4-14.

(g) A licensee who teaches a course approved by the commissioner under section 4 of this chapter shall receive continuing education credit for teaching the course.

(h) When a licensee renews a license issued under this chapter, the licensee must submit:

(1) a continuing education statement that:

(A) is in a format authorized by the commissioner;

(B) is signed by the licensee under oath; and

(C) lists the continuing education courses completed by the licensee to satisfy the continuing education requirements of this section; and

(2) any other information required by the commissioner.

(i) A continuing education statement submitted under subsection (h) may be reviewed and audited by the department.

(j) A licensee shall retain a copy of the original certificate of completion received by the licensee for completion of a continuing education course.

(k) A licensee who completes a continuing education course that:

(1) is approved by the commissioner under section 4 of this chapter;

(2) is held in a classroom setting; and

(3) concerns ethics;

shall receive continuing education credit not to exceed four (4) hours in a renewal period.

As added by P.L.132-2001, SEC.4. Amended by P.L.1-2002, SEC.109; P.L.64-2004, SEC.25; P.L.60-2005, SEC.1; P.L.73-2006, SEC.1; P.L.173-2007, SEC.14; P.L.11-2011, SEC.13; P.L.81-2012, SEC.4; P.L.276-2013, SEC.15; P.L.278-2013, SEC.21; P.L.148-2017, SEC.2; P.L.196-2021, SEC.18; P.L.165-2022, SEC.4; P.L.226-2023, SEC.1.
Ind. Code § 27-13-36-6 — Indiana Code / Title 27 / Article 13 / Chapter 36 / Section 27-13-36-6
Continuation of care provisions
Status: in_force

Sec. 6. (a) A health maintenance organization shall include provisions in the health maintenance organization's contracts with providers to provide for continuation of care in the event that a provider's contract with the health maintenance organization is terminated, provided that the termination is not due to a quality of care issue.

(b) The contract provisions under subsection (a) shall require that the provider, upon the request of the enrollee, continue to treat the enrollee for up to sixty (60) days following the termination of the provider's contract with the health maintenance organization or, in the case of a pregnant enrollee in the third trimester of pregnancy, throughout the term of the enrollee's pregnancy. If the provider is a hospital, the contract shall provide for continuation of treatment until the earlier of the following:

(1) Sixty (60) days following the termination of the provider's contract with the health maintenance organization.

(2) The enrollee is released from inpatient status at the hospital.

(c) During a continuation period under this section, the provider:

(1) shall agree to continue accepting the contract terms and conditions, together with applicable deductibles and copayments, as payment in full; and

(2) is prohibited from billing the enrollee for any amounts in excess of the enrollee's applicable deductible or copayment.

As added by P.L.69-1998, SEC.14.
Ind. Code § 27-1-28-18 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-18
Penalties; refusal of license renewal
Status: in_force

Sec. 18. (a) The commissioner may suspend, revoke, or refuse to issue or renew an independent adjuster license, or place an independent adjuster on probation, for a cause set forth in subsection (b).

(b) An independent 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 a license application.

(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 license 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 its equivalent, 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.

(c) If the commissioner refuses an application for licensure or for the renewal of an existing license under this chapter, the commissioner shall notify the applicant or licensee in writing, advising of the reason for the refusal. The applicant or licensee 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 licensee's written demand.

(d) The commissioner may suspend, revoke, or refuse a business entity's independent adjuster license under this chapter or place a business entity licensed under this chapter on probation if, after a hearing under IC 4-21.5, the commissioner finds that:

(1) the individual licensed independent adjuster designated by the business entity under section 13(b)(2) of this chapter as being responsible for the business entity's compliance with Indiana insurance law committed a violation described in subsection (b) while acting on behalf of or representing the business entity;

(2) the violation was known or should have been known by at least one (1) of the business entity's partners, officers, or managers;

(3) the violation was not reported to the commissioner; and

(4) the business entity did not take corrective action.

(e) In addition to or instead of a penalty imposed under subsection (a), the commissioner may, after a hearing under IC 4-21.5, impose a civil penalty of at least fifty dollars ($50) and not more than ten thousand dollars ($10,000), regardless of whether the person on whom the penalty is imposed holds an independent adjuster license issued under this chapter that is in effect. A penalty imposed under this subsection may be enforced in the same manner as a civil judgment.

As added by P.L.11-2011, SEC.22.
Ind. Code § 27-7-18-4 — Indiana Code / Title 27 / Article 7 / Chapter 18 / Section 27-7-18-4
"Dental plan"
Status: in_force

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

(1) A policy issued by an insurer (as defined in IC 27-1-2-3(x)) that provides coverage for dental services.

(2) A contract under which a health maintenance organization (as defined in IC 27-13-1-19) provides or covers dental services.

(3) A preferred provider plan (as defined in IC 27-8-11-1(g)) that provides or covers dental services.

(b) The term does not include the following:

(1) A policy providing comprehensive coverage described in Class 1(b) and Class 2(a) of IC 27-1-5-1.

(2) Accident only, Medicare supplement, long term care, or disability income insurance.

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

(4) Automobile medical payment insurance.

(5) A specified disease policy.

(6) Worker's compensation or similar insurance.

(7) A student health plan.

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

As added by P.L.17-2024, SEC.19.
Ind. Code § 27-14.5-1-19 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-19
"Member's interest"
Status: in_force

Sec. 19. "Member's interest" means:

(1) the voting rights of a member provided by the mutual insurance company's or the mutual insurance holding company's articles of incorporation or bylaws; and

(2) the right to receive cash, stock, or other consideration in the event of a liquidation or dissolution under IC 27-1-10, conversion to a stock company under IC 27-15, or as provided by the mutual insurance company's or mutual insurance holding company's articles of incorporation or bylaws.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-9-3-12 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-12
Actions after liquidation orders
Status: in_force

Sec. 12. (a) Upon issuance of an order appointing a liquidator of a domestic insurer or of an alien insurer domiciled in Indiana, an action at law or equity may not be brought against the insurer or liquidator, whether in Indiana or elsewhere, nor shall any existing actions be maintained or further presented after issuance of an order.

(b) The courts of Indiana shall give full faith and credit to injunctions against the liquidator or the company or the continuation of existing actions against the liquidator or the company, when those injunctions are included in an order to liquidate an insurer issued under similar provisions in other states.

(c) Whenever in the liquidator's judgment, protection of the estate of the insurer necessitates intervention in an action against the insurer that is pending outside Indiana, the liquidator may intervene in the action. The liquidator may defend any action in which he intervenes under this section at the expense of the estate of the insurer.

(d) Within two (2) years after an order for liquidation (or a time in addition to two (2) years as applicable law may permit) the liquidator may institute an action or proceeding on behalf of the estate of the insurer upon any cause of action against which the period of limitation fixed by applicable law has not expired at the time of the filing of the petition upon which the order is entered.

(e) Where, by any agreement, a period of limitation is fixed for instituting a suit or proceeding upon any claim, or for filing any claim, proof of claim, proof of loss, demand, notice, or the like, or where in any proceeding, judicial or otherwise, a period of limitation is fixed, either in the proceeding or by applicable law, for taking any action, filing any claim or pleading, or doing any act, and where in any such case the period had not expired at the date of the filing of the petition. The liquidator may, for the benefit of the estate, take any such action or do any such act, required of or permitted to the insurer, within a period of one hundred eighty (180) days after the entry of an order for liquidation, or within such further period as is shown to the satisfaction of the Marion County circuit court not to be unfairly prejudicial to the other party.

(f) A statute of limitations or defense of laches shall not run with respect to any action against an insurer between the filing of a petition for liquidation against an insurer and the denial of the petition. Any action against the insurer that might have been commenced when the petition was filed may not be commenced for at least sixty (60) days after the petition is denied.

(g) Any guaranty association or foreign guaranty association has standing to appear in any court proceeding concerning the liquidation of an insurer if that association is or may become liable to act as a result of the liquidation.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-6-6-10 — Indiana Code / Title 27 / Article 6 / Chapter 6 / Section 27-6-6-10
Violations
Status: in_force

Sec. 10. An attorney who exchanges a contract of insurance of the kind and character specified in this chapter, or solicits or negotiates any application for such a contract, without complying with this chapter, commits a Class C infraction. For the purpose of organization and upon issuance of permit by the insurance department, powers of attorney and applications for such contracts may be solicited without compliance with this chapter, but a person may not make or issue any such contracts until this chapter is complied with.

Formerly: Acts 1919, c.102, s.10; Acts 1967, c.232, s.8. As amended by Acts 1978, P.L.2, SEC.2722.
Ind. Code § 27-8-10-8 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-8
Civil or criminal liability of association or members
Status: in_force

Sec. 8. Neither the participation by carriers or members in the association, the establishment of rates, forms, or procedures for coverages issued by the association, nor any joint or collective action required by this chapter shall be the basis of any legal action, civil, or criminal liability against the association or members of it either jointly or separately.

As added by Acts 1981, P.L.249, SEC.1.
Ind. Code § 27-1-36-6 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-6
"Company action level RBC"
Status: in_force

Sec. 6. As used in this chapter, "company action level RBC" means, with respect to an insurer, the product of two (2) multiplied by the insurer's authorized control level RBC.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-13-36.2-4.5 — Indiana Code / Title 27 / Article 13 / Chapter 36.2 / Section 27-13-36.2-4.5
Prohibition on altering CPT code for claim; exceptions
Status: in_force

Sec. 4.5. (a) A health maintenance organization may not alter the CPT code (as defined in IC 27-1-37.5-3) submitted for a clean claim or pay for a CPT code (as defined in IC 27-1-37.5-3) of lesser monetary value unless:

(1) the CPT code submitted is not in accordance with correct coding guidelines and rules, clinical care guidelines, or the terms and conditions of the participating provider's agreement or contract with the health maintenance organization; or

(2) the medical record of the clean claim has been reviewed by an employee or contractor of the health maintenance organization.

(b) A health maintenance organization may not alter a clean claim to only pay for the CPT codes (as defined in IC 27-1-37.5-3) necessary for an individual's final diagnosis, if the CPT codes (as defined in IC 27-1-37.5-3) billed were deemed medically necessary according to generally accepted clinical care guidelines to reach the final diagnosis.

(c) This section does not prohibit a provider from appealing a claim.

As added by P.L.190-2023, SEC.35.
Ind. Code § 27-1-37-5 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-5
"Provider" defined
Status: in_force

Sec. 5. As used in this chapter, "provider" means an individual or entity licensed or legally authorized to provide health care services.

As added by P.L.197-2001, SEC.1.
Ind. Code § 27-1-29.1-12 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-12
Liabilities of members that are or are not also members of political subdivision risk management fund; conditional payment
Status: in_force

Sec. 12. (a) A liability of a member of the fund that is not a member of the political subdivision risk management fund under IC 27-1-29 does not qualify for partial payment under this chapter unless the total amount of the liability exceeds:

(1) one million dollars ($1,000,000); or

(2) another sum that is:

(A) greater than one million dollars ($1,000,000); and

(B) approved by the commission as a provision of the fund member's coverage because the fund member has underlying coverage with limits of liability that exceed one million dollars ($1,000,000).

(b) A liability of a member of the fund that is also a member of the political subdivision risk management fund under IC 27-1-29 does not qualify for partial payment under this chapter unless the amount of the liability exceeds the amount of liability payable by the commission under IC 27-1-29 under the terms of the coverage document that is issued to the fund member and applicable to the liability.

As added by P.L.272-1987, SEC.7.
Ind. Code § 27-2-23-6 — Indiana Code / Title 27 / Article 2 / Chapter 23 / Section 27-2-23-6
"Death master file match"
Status: in_force

Sec. 6. As used in this chapter, "death master file match" means the result of a search of a death master file that indicates a match of a person's name with the person's:

(1) Social Security number; or

(2) date of birth.

As added by P.L.90-2014, SEC.1.
Ind. Code § 27-8-5-16 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-16
Policy of group accident and sickness insurance; requirements
Status: in_force

Sec. 16. Except as provided in sections 17 and 24 of this chapter, no policy of group accident and sickness insurance may be delivered or issued for delivery to a group that has a legal situs in Indiana unless it conforms to one (1) of the following descriptions:

(1) A policy issued to an employer or to the trustees of a fund established by an employer (which employer or trustees must be deemed the policyholder) to insure employees of the employer for the benefit of persons other than the employer, subject to the following requirements:

(A) The employees eligible for insurance under the policy must be all of the employees of the employer, or all of any class or classes of employees. The policy may provide that the term "employees" includes the employees of one (1) or more subsidiary corporations and the employees, individual proprietors, members, and partners of one (1) or more affiliated corporations, proprietorships, limited liability companies, or partnerships if the business of the employer and of the affiliated corporations, proprietorships, limited liability companies, or partnerships is under common control. The policy may provide that the term "employees" includes retired employees, former employees, and directors of a corporate employer. A policy issued to insure the employees of a public body may provide that the term "employees" includes elected or appointed officials.

(B) The premium for the policy must be paid either from the employer's funds, from funds contributed by the insured employees, or from both sources of funds. Except as provided in clause (C), a policy on which no part of the premium is to be derived from funds contributed by the insured employees must insure all eligible employees, except those who reject the coverage in writing.

(C) An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.

(2) A policy issued to a creditor or its parent holding company or to a trustee or trustees or agent designated by two (2) or more creditors (which creditor, holding company, affiliate, trustee, trustees, or agent must be deemed the policyholder) to insure debtors of the creditor, or creditors, subject to the following requirements:

(A) The debtors eligible for insurance under the policy must be all of the debtors of the creditor or creditors, or all of any class or classes of debtors. The policy may provide that the term "debtors" includes:

(i) borrowers of money or purchasers or lessees of goods, services, or property for which payment is arranged through a credit transaction;

(ii) the debtors of one (1) or more subsidiary corporations; and

(iii) the debtors of one (1) or more affiliated corporations, proprietorships, limited liability companies, or partnerships if the business of the policyholder and of the affiliated corporations, proprietorships, limited liability companies, or partnerships is under common control.

(B) The premium for the policy must be paid either from the creditor's funds, from charges collected from the insured debtors, or from both sources of funds. Except as provided in clause (C), a policy on which no part of the premium is to be derived from the funds contributed by insured debtors specifically for their insurance must insure all eligible debtors.

(C) An insurer may exclude any debtors as to whom evidence of individual insurability is not satisfactory to the insurer.

(D) The amount of the insurance payable with respect to any indebtedness may not exceed the greater of the scheduled or actual amount of unpaid indebtedness to the creditor. The insurer may exclude any payments that are delinquent on the date the debtor becomes disabled as defined in the policy.

(E) The insurance may be payable to the creditor or any successor to the right, title, and interest of the creditor. Each payment under this clause must reduce or extinguish the unpaid indebtedness of the debtor to the extent of the payment, and any excess of the insurance must be payable to the insured or the estate of the insured.

(F) Notwithstanding clauses (A) through (E), insurance on agricultural credit transaction commitments may be written up to the amount of the loan commitment on a nondecreasing or level term plan, and insurance on educational credit transaction commitments may be written up to the amount of the loan commitment less the amount of any repayments made on the loan.

(3) A policy issued to a labor union or similar employee organization (which must be deemed to be the policyholder) to insure members of the union or organization for the benefit of persons other than the union or organization or any of its officials, representatives, or agents, subject to the following requirements:

(A) The members eligible for insurance under the policy must be all of the members of the union or organization, or all of any class or classes of members.

(B) The premium for the policy must be paid either from funds of the union or organization, from funds contributed by the insured members specifically for their insurance, or from both sources of funds. Except as provided in clause (C), a policy on which no part of the premium is to be derived from funds contributed by the insured members specifically for their insurance must insure all eligible members, except those who reject the coverage in writing.

(C) An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.

(4) A policy issued to a trust or to one (1) or more trustees of a fund established or adopted by two (2) or more employers, or by one (1) or more labor unions or similar employee organizations, or by one (1) or more employers and one (1) or more labor unions or similar employee organizations (which trust or trustees must be deemed the policyholder) to insure employees of the employers or members of the unions or organizations for the benefit of persons other than the employers or the unions or organizations, subject to the following requirements:

(A) The persons eligible for insurance must be all of the employees of the employers or all of the members of the unions or organizations, or all of any class or classes of employees or members. The policy may provide that the term "employees" includes the employees of one (1) or more subsidiary corporations and the employees, individual proprietors, and partners of one (1) or more affiliated corporations, proprietorships, limited liability companies, or partnerships if the business of the employer and of the affiliated corporations, proprietorships, limited liability companies, or partnerships is under common control. The policy may provide that the term "employees" includes retired employees, former employees, and directors of a corporate employer. The policy may provide that the term "employees" includes the trustees or their employees, or both, if their duties are principally connected with the trusteeship.

(B) The premium for the policy must be paid from funds contributed by the employer or employers of the insured persons, by the union or unions or similar employee organizations, or by both, or from funds contributed by the insured persons or from both the insured persons and one (1) or more employers, unions, or similar employee organizations. Except as provided in clause (C), a policy on which no part of the premium is to be derived from funds contributed by the insured persons specifically for their insurance must insure all eligible persons, except those who reject the coverage in writing.

(C) An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.

(5) A policy issued to an association or to a trust or to one (1) or more trustees of a fund established, created, or maintained for the benefit of members of one (1) or more associations. The association or associations must have at the outset a minimum of one hundred (100) persons, must have been organized and maintained in good faith for purposes other than that of obtaining insurance, must have been in active existence for at least one (1) year, and must have a constitution and bylaws that provide that the association or associations hold regular meetings not less than annually to further purposes of the members, that, except for credit unions, the association or associations collect dues or solicit contributions from members, and that the members have voting privileges and representation on the governing board and committees. The policy must be subject to the following requirements:

(A) The policy may insure members or employees of the association or associations, employees of members, one (1) or more of the preceding, or all of any class or classes of members, employees, or employees of members for the benefit of persons other than the employee's employer.

(B) The premium for the policy must be paid from funds contributed by the association or associations, by employer members, or by both, from funds contributed by the covered persons, or from both the covered persons and the association, associations, or employer members.

(C) Except as provided in clause (D), a policy on which no part of the premium is to be derived from funds contributed by the covered persons specifically for the insurance must insure all eligible persons, except those who reject such coverage in writing.

(D) An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.

(6) A policy issued to a credit union, or to one (1) or more trustees or an agent designated by two (2) or more credit unions (which credit union, trustee, trustees, or agent must be deemed the policyholder) to insure members of the credit union or credit unions for the benefit of persons other than the credit union or credit unions, trustee, trustees, or agent, or any of their officials, subject to the following requirements:

(A) The members eligible for insurance must be all of the members of the credit union or credit unions, or all of any class or classes of members.

(B) The premium for the policy shall be paid by the policyholder from the credit union's funds and, except as provided in clause (C), must insure all eligible members.

(C) An insurer may exclude or limit the coverage on any member as to whom evidence of individual insurability is not satisfactory to the insurer.

(7) A policy issued to cover persons in a group specifically described by another law of Indiana as a group that may be covered for group life insurance. The provisions of the group life insurance law relating to eligibility and evidence of insurability apply to a group health policy to which this subdivision applies.

(8) A policy issued to a trustee or agent designated by two (2) or more small employers (as defined in IC 27-8-15-14) as determined by the commissioner under rules adopted under IC 4-22-2.

As added by P.L.257-1985, SEC.2. Amended by P.L.19-1986, SEC.47; P.L.125-1992, SEC.1; P.L.8-1993, SEC.429; P.L.185-1996, SEC.11; P.L.218-2007, SEC.46.
Ind. Code § 27-9-3-40.5 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-40.5
Segregated investment accounts
Status: in_force

Sec. 40.5. (a) A claim under a contract that is funded by an account established under IC 27-1-5-1 as a segregated investment account must be satisfied from the assets maintained in the account. The segregated investment account is not chargeable with a liability arising out of other business that the insurer conducts that has no specific relation to or dependence on the account.

(b) Surplus remaining in a segregated investment account by virtue of a guarantee by the insurer as described in IC 27-1-5-1 must be included in the assets of the insurer's estate.

(c) A deficit in a segregated investment account by virtue of a guarantee by an insurer as described in IC 27-1-5-1 must be treated as a Class 2 claim under section 40 of this chapter.

As added by P.L.130-2002, SEC.4.
Ind. Code § 27-8-6-2 — Indiana Code / Title 27 / Article 8 / Chapter 6 / Section 27-8-6-2
Prior policies
Status: in_force

Sec. 2. The provisions of section 1 of this chapter shall not apply to any policy, contract, plan, or agreement in effect prior to May 1, 1969.

Formerly: Acts 1969, c.409, s.2. As amended by P.L.252-1985, SEC.311.
Ind. Code § 27-1-37-10 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-10
Void and unenforceable contract provisions
Status: in_force

Sec. 10. (a) This section applies to a health provider contract in which at least one (1) of the parties is a health provider facility.

(b) A health provider contract that:

(1) requires the parties to commence negotiations to amend the terms of the contract if there is a change in law; or

(2) guarantees that the health carrier or provider will be made whole for the financial effects of a law or regulation;

is against public policy and is void and unenforceable.

As added by P.L.215-2025, SEC.51.
Ind. Code § 27-1-12.1-12 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-12
Purchase of reinsurance
Status: in_force

Sec. 12. A limited purpose subsidiary may, upon approval of the commissioner, purchase reinsurance to cede the reinsurance risks assumed by the limited purpose subsidiary.

As added by P.L.11-2011, SEC.7.
Ind. Code § 27-8-16-9 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-9
Provider's statement; documentation of review agent capability
Status: in_force

Sec. 9. To provide documentation demonstrating that a claim review agent is capable of satisfying the requirement of section 7(6) of this chapter, the claim review agent must provide a signed statement of a provider employed by the claim review agent verifying that determinations are:

(1) made by; or

(2) determined in accordance with standards or guidelines approved by;

a provider licensed in the same discipline as the provider who rendered the service.

As added by P.L.128-1992, SEC.2.
Ind. Code § 27-16-3-5 — Indiana Code / Title 27 / Article 16 / Chapter 3 / Section 27-16-3-5
Effect on government contracts
Status: in_force

Sec. 5. With respect to a bid, a contract, a purchase order, or an agreement entered into with the state or a political subdivision of the state, a client's status or certification as a:

(1) small, minority owned, disadvantaged, or woman owned business enterprise; or

(2) historically underutilized business;

is not affected because the client has entered into the professional employment agreement.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-1-4.5-3 — Indiana Code / Title 27 / Article 1 / Chapter 4.5 / Section 27-1-4.5-3
"Pharmacy benefit manager"
Status: in_force

Sec. 3. As used in this chapter, "pharmacy benefit manager" has the meaning set forth in IC 27-1-24.5-12.

As added by P.L.239-2025, SEC.11.
Ind. Code § 27-7-3-16 — Indiana Code / Title 27 / Article 7 / Chapter 3 / Section 27-7-3-16
Retirement or withdrawal from business; reinsurance; cancellation of certificate of authority; return of deposit
Status: in_force

Sec. 16. (a) Whenever any domestic company desires to retire from the business provided for in this chapter, it shall furnish to the department satisfactory evidence that it no longer has outstanding any liability upon any policy of insurance made by it in the conduct of its business as a title insurance company, or that it has reinsured its outstanding policies with a solvent company, authorized to do business under this chapter in this state, or with a company approved by the department. At the same time the company shall surrender to the department its certificate of authority. If the department is satisfied that there is no outstanding liability upon any policy issued by such company, or, that its outstanding policies have been properly reinsured, then the department shall cancel the surrendered certificate of authority and shall return to the company any and all deposits made by such company under the provisions of this chapter.

(b) Whenever any foreign company desires to withdraw from doing a title insurance business in this state, it shall furnish to the department satisfactory evidence that it no longer has outstanding any liability upon any policy of title insurance made by it in the conduct of its business in this state, or that it has reinsured its outstanding policies with a solvent company, authorized to do business in this state, or with a company approved by the department. At the same time such company shall surrender to the department its certificate of authority. If the department is satisfied that there is no outstanding liability upon any policy issued by such company in the conduct of its business in this state, or that its outstanding policies have been properly reinsured, then the department shall cancel the surrendered certificate of authority and shall return to the company any and all deposits made with it by such company under the provisions of this chapter.

Formerly: Acts 1937, c.104, s.16. As amended by P.L.252-1985, SEC.260.
Ind. Code § 27-7-18-6 — Indiana Code / Title 27 / Article 7 / Chapter 18 / Section 27-7-18-6
"Health insurer"
Status: in_force

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

(1) an insurer that issues policies of accident and sickness insurance (as defined in IC 27-8-5-1); or

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

As added by P.L.17-2024, SEC.19.
Ind. Code § 27-8-4-4 — Indiana Code / Title 27 / Article 8 / Chapter 4 / Section 27-8-4-4
Limitations on amount of insurance
Status: in_force

Sec. 4. A. Credit Life Insurance. The initial amount of credit life insurance shall not exceed the total amount repayable under the contract of indebtedness and, when an indebtedness is repayable in substantially equal installments, the amount of insurance shall at no time exceed the scheduled or actual amount of unpaid indebtedness, whichever is greater. Notwithstanding the provisions of this paragraph, insurance on agriculture credit transaction commitments, not exceeding one (1) year in duration, may be written up to the amount of the loan commitment on a non-decreasing or level term plan.

B. Credit Accident and Health Insurance. The aggregate amount of periodic benefits payable by credit accident and health insurance in the event of disability, as defined in the policy, shall not, in the case of an indebtedness payable in installments, exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness or in the case of an indebtedness payable in one sum, the unpaid amount of such indebtedness; and the amount of each periodic benefit payment shall not exceed the original indebtedness divided by the number of periodic installments.

Formerly: Acts 1961, c.47, s.4.
Ind. Code § 27-11-6-11 — Indiana Code / Title 27 / Article 11 / Chapter 6 / Section 27-11-6-11
Assignment of benefit contracts
Status: in_force

Sec. 11. A society may specify the terms and conditions on which benefit contracts may be assigned.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-14.5-1-29 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-29
"Subsidiary"
Status: in_force

Sec. 29. "Subsidiary" means, with respect to a particular person, an affiliate of the person that is controlled by the person, either:

(1) directly; or

(2) indirectly through one (1) or more intermediaries.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-37.5-20 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-20
Use of clinical peer when an adverse determination is made or when reviewing or deciding an appeal
Status: in_force

Sec. 20. (a) A utilization review entity must ensure that:

(1) all:

(A) adverse determinations based on medical necessity are made; and

(B) appeals are reviewed and decided;

by a clinical peer; and

(2) when making an adverse determination based on medical necessity or reviewing and deciding an appeal, the clinical peer is under the clinical direction of a medical director of the utilization review entity who is:

(A) responsible for the provision of health care services provided to covered individuals; and

(B) a physician licensed in Indiana under IC 25-22.5.

(b) An appeal may not be reviewed or decided by a clinical peer who:

(1) has a financial interest in the outcome of the appeal; or

(2) was involved in making the adverse determination that is the subject of the appeal.

As added by P.L.144-2025, SEC.29.
Ind. Code § 27-1-43.2-8 — Indiana Code / Title 27 / Article 1 / Chapter 43.2 / Section 27-1-43.2-8
"Service contract reimbursement policy"
Status: in_force

Sec. 8. As used in this chapter, "service contract reimbursement policy" means a policy of insurance that provides coverage for one (1) of the following:

(1) All obligations and liabilities incurred by a provider under a service contract issued by the provider in Indiana.

(2) In the event of the provider's nonperformance under a service contract issued by the provider in Indiana, performance of all obligations:

(A) of the provider under the service contract; and

(B) that the provider did not perform.

As added by P.L.129-2014, SEC.10.
Ind. Code § 27-13-20-2 — Indiana Code / Title 27 / Article 13 / Chapter 20 / Section 27-13-20-2
Approval of documents by commissioner
Status: in_force

Sec. 2. (a) Except as provided in subsection (b), a document submitted to the commissioner under this chapter is deemed approved when one (1) of the following conditions is met:

(1) The health maintenance organization receives a written communication of approval from the commissioner.

(2) Thirty (30) days pass after the commissioner receives the document.

(b) A document is not deemed approved under subsection (a)(2) if, within thirty (30) days after the commissioner receives the document, or within any period of extension granted by the commissioner, the commissioner deposits in the United States mail addressed to the health maintenance organization a written communication to the contrary. Not more than thirty (30) days after receiving the written communication from the commissioner, the health maintenance organization may request a hearing. If, not more than thirty (30) days after receiving the communication from the commissioner, the health maintenance organization requests a hearing, the commissioner shall hold a hearing upon not less than ten (10) days notice to the health maintenance organization.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-46.5-4 — Indiana Code / Title 27 / Article 1 / Chapter 46.5 / Section 27-1-46.5-4
"Hospital system"
Status: in_force

Sec. 4. As used in this chapter, "hospital system" means one (1) or more hospitals, all of which are related by direct or indirect common control or ownership.

As added by P.L.216-2025, SEC.46.
Ind. Code § 27-7-17-15 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-15
Travel protection plan; combined features
Status: in_force

Sec. 15. A travel protection plan that offers combined features may be offered for one (1) price in this state if:

(1) the travel protection plan clearly discloses to the consumer, at or prior to the time of purchase, that the plan includes travel insurance, travel assistance services, and cancellation fee waivers, as applicable, and provides information and an opportunity, at or prior to the time of purchase, for the consumer to obtain additional information regarding the features and pricing of each; and

(2) the fulfillment materials:

(A) describe and delineate the travel insurance, travel assistance services, and cancellation fee waivers in the travel protection plan; and

(B) include the travel insurance disclosures and the contact information for the persons providing travel assistance services and cancellation fee waivers, as applicable.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-1-44-1 — Indiana Code / Title 27 / Article 1 / Chapter 44 / Section 27-1-44-1
"Property and casualty insurance"
Status: in_force

Sec. 1. As used in this chapter, "property and casualty insurance" means one (1) or more of the types of insurance described in IC 27-1-5-1, Class 2 and Class 3. The term does not include title insurance (as defined in IC 27-7-3-2).

As added by P.L.119-2014, SEC.2. Amended by P.L.146-2015, SEC.29.
Ind. Code § 27-1-26-7 — Indiana Code / Title 27 / Article 1 / Chapter 26 / Section 27-1-26-7
Certificate of insurer to accompany policy filed with department; contents; additional information
Status: in_force

Sec. 7. (a) A policy filed with the department must be accompanied by a certificate signed by an officer of the insurer stating that:

(1) the policy meets the minimum reading ease score on the test used; or

(2) the score for the policy is lower than the minimum required but should be approved in accordance with section 9 of this chapter.

(b) To confirm the accuracy of a certification under subsection (a), the commissioner may require the submission of additional information to verify the certification.

As added by Acts 1981, P.L.245, SEC.1.
Ind. Code § 27-1-22-22 — Indiana Code / Title 27 / Article 1 / Chapter 22 / Section 27-1-22-22
Appointment and removal of additional personnel; powers of deputy conducting hearings; exemption from personal liability
Status: in_force

Sec. 22. (a) For the purpose of maintaining the affirmative, active, and definite administration of the provisions of this chapter, the commissioner, with the approval of the governor, may appoint such additional actuaries, deputies, examiners, assistants, and other employees in the department as may be found necessary to carry out the provisions of this chapter. Except as otherwise provided in this chapter, such additional deputies, examiners, assistants, and employees so appointed shall be chosen for their fitness, either professional or practical, as the nature of the position may require, irrespective of their political beliefs or affiliations. The technical or professional qualifications of any applicant shall be determined by examination, professional rating or otherwise, as the commissioner with the approval of the governor may determine. Subject to the approval of the governor and the state budget director, the salaries of such additional actuaries, deputies, examiners, assistants, and other employees shall be fixed by the commissioner. Any actuary, deputy, examiner, assistant, or employee so employed may be removed at any time by the commissioner.

(b) In the absence of the commissioner, he may, by written order, designate a deputy to conduct any hearing, and, in such case, such deputy commissioner shall possess and may exercise any and all powers of the commissioner with respect to the matter in hearing.

(c) Neither the commissioner nor any actuary, deputy, examiner, assistant, or employee in the department shall be liable in their individual capacity, except to the state of Indiana, for any act done or omitted in connection with the performance of their respective duties under the provisions of this chapter.

Formerly: Acts 1967, c.133, s.22. As amended by P.L.252-1985, SEC.123.
Ind. Code § 27-8-5-15.9 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-15.9
Mental health detention as medically necessary
Status: in_force

Sec. 15.9. An insurer that issues a policy of accident and sickness insurance shall consider services provided to an individual while detained under IC 12-26-5 as medically necessary when provided in accordance with generally accepted clinical care guidelines.

As added by P.L.205-2023, SEC.24.
Ind. Code § 27-1-37.5-23 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-23
Request for prior authorization; process
Status: in_force

Sec. 23. (a) The time frames set forth in this section do not include weekends and state and federal legal holidays.

(b) A utilization review entity shall respond to a request for prior authorization as follows:

(1) If the request for prior authorization is for an urgent health care service, the utilization review entity shall respond with an authorization or adverse determination not later than twenty-four (24) hours after receiving the request.

(2) If the request for prior authorization is:

(A) for a health care service other than the health care services described in subdivision (1); or

(B) for a prescription drug;

the utilization review entity shall respond with an authorization or adverse determination not later than forty-eight (48) hours after receiving the request.

(c) If a utilization review entity issues an adverse determination in a response under subsection (b), the response must include the following information:

(1) Specific reasons for the adverse determination.

(2) Suggested alternatives to the requested health care service.

(d) A health care provider shall respond not later than forty-eight (48) hours after receiving an adverse determination under subsection (b) if the health care provider:

(1) needs to correct a typographical, clerical, or spelling error; or

(2) accepts an alternative suggested by the utilization review entity.

(e) Not later than forty-eight (48) hours after receiving a health care provider's response under subsection (d), the utilization review entity shall:

(1) render a prior authorization or adverse determination based on the information provided in the health care provider's response; and

(2) notify the health care provider of the authorization or adverse determination.

(f) A health care provider may appeal an adverse determination received under subsection (b) or (e). The health care provider shall notify the utilization review entity of an appeal not later than forty-eight (48) hours after receiving notice of the adverse determination.

(g) A utilization review entity shall respond to an appeal under subsection (f) not later than forty-eight (48) hours after receiving notice of the appeal.

As added by P.L.144-2025, SEC.31.
Ind. Code § 27-9-3-15 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-15
Transfers after petition; validity
Status: reserved

Sec. 15. (a) After a petition for rehabilitation or liquidation has been filed, a transfer of any of the real property of the insurer made to a person acting in good faith shall be valid against the receiver if made for a present fair equivalent value, or, if not made for a present fair equivalent value, then to the extent of the present consideration actually paid for that real property, for which amount the transferee shall have a lien on the property so transferred. The commencement of a proceeding in rehabilitation or liquidation shall be constructive notice upon the recording of a copy of the petition for or order of rehabilitation or liquidation with the recorder of deeds in the county where any real property in question is located. The exercise by a court of the United States or any state with jurisdiction to authorize or effect a judicial sale of real property of the insurer within any county in any state shall not be impaired by the pendency of a proceeding, unless the copy is recorded in the county before the consummation of the judicial sale.

(b) After a petition for rehabilitation or liquidation has been filed and before either the receiver takes possession of the property of the insurer or an order of rehabilitation or liquidation is granted:

(1) a transfer of any of the property of the insurer, other than real property, made to a person acting in good faith shall be valid against the receiver if made for a present fair equivalent value, or, if not made for a present fair equivalent value, then to the extent of the present consideration actually paid for that real property, for which amount the transferee shall have a lien on the property so transferred;

(2) a person indebted to the insurer or holding property of the insurer may, if acting in good faith, pay the indebtedness or deliver the property, or any part of the property, to the insurer or upon his order, with the same effect as if the petition were not pending;

(3) a person having actual knowledge of the pending rehabilitation or liquidation shall be considered not to act in good faith; and

(4) a person asserting the validity of a transfer under this section has the burden of proof.

Except as elsewhere provided in this section, a transfer by or on behalf of the insurer after the date of the petition for liquidation by any person other than the liquidator is not valid against the liquidator.

(c) Nothing in IC 27-9 shall be considered to impair the negotiability of currency or negotiable instruments.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-8-13-6 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-6
"Certificate" defined
Status: in_force

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

(1) issued under a group Medicare supplement policy; and

(2) delivered or issued for delivery in Indiana.

As added by P.L.255-1989, SEC.3.
Ind. Code § 27-1-30-6 — Indiana Code / Title 27 / Article 1 / Chapter 30 / Section 27-1-30-6
Administrative regulations
Status: in_force

Sec. 6. The insurance commissioner may promulgate regulations under IC 4-22-2 that he considers necessary for the proper administration of this chapter.

As added by P.L.270-1987, SEC.2.
Ind. Code § 27-13-4-2 — Indiana Code / Title 27 / Article 13 / Chapter 4 / Section 27-13-4-2
Asset of health maintenance organization as an admitted asset
Status: in_force

Sec. 2. Nothing in this chapter qualifies an asset of a health maintenance organization as an admitted asset.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-24.5-22.5 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-22.5
Aggregated information from pharmacy benefit manager reports
Status: in_force

Sec. 22.5. Aggregated information compiled from reports submitted by pharmacy benefit managers to the insurance commissioner under section 22 of this chapter is not confidential except for information that would reveal a specific pharmacy benefit manager's proprietary information.

As added by P.L.114-2020, SEC.15.
Ind. Code § 27-15-15-2 — Indiana Code / Title 27 / Article 15 / Chapter 15 / Section 27-15-15-2
Time for filing petitions
Status: in_force

Sec. 2. All petitions for judicial review of, and any action challenging the validity of or arising out of:

(1) the approval or disapproval of; or

(2) any action proposed to be taken under;

any order or determination of the commissioner in connection with a plan of conversion under this article must be filed not later than thirty (30) days after the order or determination is issued by the commissioner.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-37.3-4 — Indiana Code / Title 27 / Article 1 / Chapter 37.3 / Section 27-1-37.3-4
"Covered individual"
Status: in_force

Sec. 4. As used in this chapter, "covered individual" means an individual who is entitled to coverage under a health plan.

As added by P.L.55-2008, SEC.1.
Ind. Code § 27-5.1-1-1 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-1
Application
Status: in_force

Sec. 1. The definitions in this chapter apply throughout this article.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-14.5-1-6 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-6
"Adoption date"
Status: in_force

Sec. 6. "Adoption date" means, with respect to a plan, the date on which the board of directors approves a plan of reorganization or a plan to issue stock.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-2-10-8 — Indiana Code / Title 27 / Article 2 / Chapter 10 / Section 27-2-10-8
Powers of commissioner
Status: in_force

Sec. 8. The insurance commissioner shall have the power to make such rules as may be necessary for the execution of the functions vested in him by sections 1 through 7 of this chapter and may for such purpose classify domestic stock insurance companies, securities, and other persons or matters within his jurisdiction. No provision of sections 1, 2, and 3 of this chapter imposing any liability shall apply to any act done or omitted in good faith in conformity with any rule of the insurance commissioner, notwithstanding that such rule may, after such act or omission, be amended or rescinded or determined by judicial or other authority to be invalid for any reason.

Formerly: Acts 1965, c.5, s.8. As amended by P.L.252-1985, SEC.136.
Ind. Code § 27-16-4-10 — Indiana Code / Title 27 / Article 16 / Chapter 4 / Section 27-16-4-10
Confidentiality of records
Status: in_force

Sec. 10. All records, reports, and other information obtained from a PEO under this chapter, except to the extent necessary for the proper administration of this chapter by the department, are confidential.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-5.1-1-3 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-3
"Certificate of authority"
Status: in_force

Sec. 3. "Certificate of authority" has the meaning set forth in IC 27-1-2-3(v).

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-9-3.1-11 — Indiana Code / Title 27 / Article 9 / Chapter 3.1 / Section 27-9-3.1-11
"Walkaway clause"
Status: in_force

Sec. 11. As used in this chapter, "walkaway clause" means a provision in a netting agreement or qualified financial contract that, after calculation of the value of a party's position or an amount due to or from a party under the netting agreement or qualified financial contract upon termination, liquidation, or acceleration of the netting agreement or qualified financial contract, either:

(1) does not create a payment obligation of a party; or

(2) voids any part of a payment obligation of a party;

solely because of the party's status as a nondefaulting party.

As added by P.L.11-2011, SEC.36.
Ind. Code § 27-1-5-4 — Indiana Code / Title 27 / Article 1 / Chapter 5 / Section 27-1-5-4
Repealed
Status: repealed

As added by Acts 1979, P.L.254, SEC.2. Repealed by P.L.255-1995, SEC.15.
Ind. Code § 27-13-37-3 — Indiana Code / Title 27 / Article 13 / Chapter 37 / Section 27-13-37-3
Continuity of care and referrals when specialty care warranted
Status: in_force

Sec. 3. Beginning July 1, 1999, each health maintenance organization shall provide continuity of care and referral to appropriate participating providers when specialty care is warranted, including the following:

(1) Enrollees have access to appropriate participating providers on a timely basis.

(2) Enrollees have a choice of appropriate participating providers when a referral is made.

As added by P.L.69-1998, SEC.15.
Ind. Code § 27-11-4-5 — Indiana Code / Title 27 / Article 11 / Chapter 4 / Section 27-11-4-5
Solicitation of members; liabilities incurred upon receipt of preliminary certificate
Status: in_force

Sec. 5. Upon receipt of a preliminary certificate of authority from the commissioner, the society may solicit members for the purpose of completing its organization, shall collect from each applicant the amount of not less than one (1) regular monthly premium in accordance with its table of rates, and shall issue to each applicant a receipt for the amount collected. No society shall incur any liability other than for the return of the advance premium, nor issue any certificate, nor pay, allow, or offer or promise to pay or allow any benefit to any person until:

(1) actual bona fide applications for benefits have been secured on not less than five hundred (500) applicants, and any necessary evidence of insurability has been furnished to and approved by the society;

(2) at least ten (10) subordinate lodges have been established into which the five hundred (500) applicants have been admitted;

(3) there has been submitted to the commissioner, under oath of the president or secretary, or corresponding officer of the society, a list of the applicants, giving their names, addresses, date each was admitted, name and number of the subordinate lodge of which each applicant is a member, amount of benefits to be granted, and premiums therefor; and

(4) it shall have been shown to the commissioner, by sworn statement of the treasurer, or corresponding officer of such society, that at least five hundred (500) applicants have each paid in cash at least one (1) regular monthly premium, which premiums in the aggregate amount to at least one hundred fifty thousand dollars ($150,000). The advance premiums shall be held in trust during the period of organization and, if the society has not qualified for a certificate of authority within one (1) year as provided in this chapter, the premiums shall be returned to the applicants.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-8-23-8 — Indiana Code / Title 27 / Article 8 / Chapter 23 / Section 27-8-23-8
Requirements imposed by insurer
Status: in_force

Sec. 8. An insurer may not impose requirements on a state agency that has been assigned the rights of a person:

(1) eligible for assistance under Medicaid; and

(2) covered for health benefits from the insurer;

that are different from requirements applicable to an agency or assignee of any other person who is covered.

As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
Ind. Code § 27-1-42-5 — Indiana Code / Title 27 / Article 1 / Chapter 42 / Section 27-1-42-5
"Insurance producer"
Status: in_force

Sec. 5. As used in this chapter, "insurance producer" has the meaning set forth in IC 27-1-15.6-2.

As added by P.L.70-2013, SEC.1.
Ind. Code § 27-5.1-4-4 — Indiana Code / Title 27 / Article 5.1 / Chapter 4 / Section 27-5.1-4-4
Financial and reinsurance requirements
Status: in_force

Sec. 4. An extended company shall comply with the following financial and reinsurance requirements if the extended company provides the types of insurance described in section 3 of this chapter:

(1) The extended company shall maintain a policyholder surplus as required under IC 27-1-6-15.

(2) The net retention per risk that an extended company may maintain may not exceed two-tenths percent (0.2%) of the extended company's insurance in force.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-3-1-7 — Indiana Code / Title 27 / Article 3 / Chapter 1 / Section 27-3-1-7
Continuation of domestic corporation and acquiring corporation as separate entities
Status: in_force

Sec. 7. The domestic company and the acquiring corporation shall in all respects stand before the law as separate and distinct corporations, with neither of such corporations having any liability to the creditors, policyholders, if any, or shareholders of the other, any acts or omissions of the officers, directors, or shareholders of either or both of such corporations notwithstanding.

Formerly: Acts 1967, c.61, s.8.
Ind. Code § 27-1-47.5-7 — Indiana Code / Title 27 / Article 1 / Chapter 47.5 / Section 27-1-47.5-7
Calculating and comparing prices; review of data and resources
Status: in_force

Sec. 7. (a) The department shall contract with a third party to make the calculations required by this section. The third party contractor shall make the calculations described in subsection (b) concerning an Indiana nonprofit hospital system's prices from the commercially insured market, categorized by:

(1) self-funded plan prices;

(2) fully-funded plan prices;

(3) the individual market prices; and

(4) the total combined prices of subdivisions (1) through (3);

expressed as a percentage of how much Medicare would have paid for the same services.

(b) Before November 1, 2024, and before November 1 of each subsequent year, the department's third party contractor shall compare:

(1) hospital inpatient prices;

(2) hospital outpatient prices; and

(3) practitioner services prices;

calculated separately and combined in total as a percentage of Medicare for all patient care services provided to the commercially insured market. The third party contractor shall make these calculations for each Indiana nonprofit hospital within an Indiana nonprofit hospital system and for the Indiana nonprofit hospital system, expressed as a percentage of how much Medicare would have paid for the same services in comparison to what two hundred eighty-five percent (285%) of Medicare would have been for the same services.

(c) The department and the department's third party contractor shall review the data and resources submitted concerning prices in Indiana specific to each Indiana nonprofit hospital system.

As added by P.L.203-2023, SEC.21.
Ind. Code § 27-1-41-10 — Indiana Code / Title 27 / Article 1 / Chapter 41 / Section 27-1-41-10
Cancellation; refusal to renew
Status: in_force

Sec. 10. (a) An insurer may cancel or refuse to renew an individual certificate while maintaining in force the master policy and other individual certificates issued under the master policy.

(b) An insurer that cancels or refuses to renew a master policy shall, within a period determined by the commissioner, provide:

(1) to the group administrator; and

(2) to each individual participating group member;

written notice of the cancellation or refusal to renew.

As added by P.L.32-2012, SEC.2.
Ind. Code § 27-8-11-14 — Indiana Code / Title 27 / Article 8 / Chapter 11 / Section 27-8-11-14
Definitions; assignment of benefits; direct payment to provider; payment in full
Status: in_force

Sec. 14. (a) As used in this section, "covered individual" means an individual who is entitled to the coverage of dental services by a dental carrier.

(b) As used in this section, "dental carrier" means any of the following:

(1) An insurer that issues a policy of accident and sickness insurance that covers dental services.

(2) A health maintenance organization that provides, or provides coverage for, dental services.

(3) A preferred provider plan subject to this chapter under which dental services are provided.

(c) As used in this section, "dental services" means health care services provided by:

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

(2) an individual using a dental residency permit issued under IC 25-14-1-5;

(3) an individual who holds:

(A) a dental faculty license under IC 25-14-1-5.5; or

(B) an instructor's license under IC 25-14-1-27.5;

(4) a dental hygienist licensed under IC 25-13; or

(5) a dental assistant (as defined in IC 25-14-1-1.5(4));

within the scope of the individual's license or work description in IC 25-13 or IC 25-14, as appropriate. However, the term does not include a service delivered by a provider if the service is billed as a medical expense.

(d) As used in this section, "network" means all providers that have entered into a contract with a dental carrier under which the providers agree to charge no more than a certain amount for certain dental services provided to covered individuals who are entitled to the coverage of dental services by the dental carrier.

(e) As used in this section, "provider" means:

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

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

(f) If a covered individual assigns the rights of the covered individual to benefits for dental services to the provider of the dental services, the covered individual's dental carrier shall pay the benefits assigned by the covered individual to the provider of the dental services.

(g) A dental carrier shall make a payment under this section:

(1) directly to the provider of the dental services; and

(2) according to the same criteria and payment schedule under which the dental carrier would have been required to make the payment to the covered individual if the insured had not assigned the insured's rights to the benefits.

(h) An assignment of benefits under this section does not affect or limit the dental carrier's obligation to pay the benefits.

(i) A dental carrier's payment of benefits in compliance with this section discharges the dental carrier's obligation to pay the benefits to the insured.

(j) If:

(1) a covered individual is entitled to coverage from a dental carrier;

(2) the covered individual is provided dental services by a provider;

(3) the covered individual assigns the covered individual's rights to benefits from the dental carrier to the provider of the dental services; and

(4) the provider of the dental services is a member of the network of the dental carrier;

the provider shall accept compensation from the dental carrier in the amount specified in the network contract as payment in full for the dental services provided to the covered individual and shall not bill the covered individual for the dental services, except for copayments, coinsurance and any deductible amount that remains after the dental carrier's payment for the dental services.

As added by P.L.17-2024, SEC.21.
Ind. Code § 27-14.5-2-2 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-2
Different means of reorganizing into a mutual insurance holding company
Status: in_force

Sec. 2. The reorganization of a mutual insurance company or two (2) or more mutual insurance companies into a mutual insurance holding company structure under this chapter may be accomplished by any means approved by the commissioner, including the following:

(1) The establishment of at least one (1) company.

(2) The amendment or restatement of the articles and bylaws of any company.

(3) The transfer or acquisition of any or all of the assets and liabilities of any company.

(4) The transfer or acquisition of any or all of the capital stock of any company.

(5) The merger of two (2) or more companies.

(6) The merger of a mutual insurance company's members into any existing mutual insurance holding company with continued corporate existence of the reorganized mutual insurance company as a reorganized insurer.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-41-3 — Indiana Code / Title 27 / Article 1 / Chapter 41 / Section 27-1-41-3
"Group administrator"
Status: in_force

Sec. 3. As used in this chapter, "group administrator" means the officers or directors of a group or any other person legally vested with the responsibility to manage the affairs of a group. In the case of a group that consists of employees of a single employer, the employer is considered to be the group administrator.

As added by P.L.32-2012, SEC.2.
Ind. Code § 27-14.5-2-8 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-8
Submission of plan of reorganization to members
Status: in_force

Sec. 8. (a) A plan of reorganization must be submitted for approval by the members at a special or annual meeting of members held in accordance with IC 27-1-7-7.

(b) The meeting of members under subsection (a) must be held after the commissioner has approved the plan under IC 27-14.5-4.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-7-14-5 — Indiana Code / Title 27 / Article 7 / Chapter 14 / Section 27-7-14-5
"Group motor vehicle insurance policy"
Status: in_force

Sec. 5. As used in this chapter, "group motor vehicle insurance policy" means a policy of insurance that provides motor vehicle insurance to participating members of the armed forces under one (1) master policy:

(1) that is issued to a group administrator; 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.31.
Ind. Code § 27-1-15.7-6.5 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-6.5-b
Repealed
Status: repealed

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

As added by P.L.158-2024, SEC.4. Repealed by P.L.152-2026, SEC.449.
Ind. Code § 27-2-18-5 — Indiana Code / Title 27 / Article 2 / Chapter 18 / Section 27-2-18-5
"Material disposition" defined
Status: in_force

Sec. 5. As used in this chapter, "material disposition" means an asset disposition or a series of related asset dispositions during any thirty (30) day period that:

(1) is nonrecurring;

(2) is not in the normal course of business; and

(3) involves more than five percent (5%) of the reporting insurer's total admitted assets as reported in the insurer's most recent statutory statement filed with the department.

As added by P.L.251-1995, SEC.17.
Ind. Code § 27-1-20-26 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-26
Exemption from article of a farm mutual insurance company
Status: in_force

Sec. 26. Except as provided in IC 27-5.1-2-8, the provisions of this article shall not apply to a farm mutual insurance company or any similar company organized and operating under IC 27-5 (before its repeal) or IC 27-5.1, nor shall any provision of this article be construed as repealing any provision of the statutes applicable to the companies and associations referred to in this section.

Formerly: Acts 1935, c.162, s.272a. As amended by P.L.252-1985, SEC.97; P.L.129-2003, SEC.4.
Ind. Code § 27-17-5-1 — Indiana Code / Title 27 / Article 17 / Chapter 5 / Section 27-17-5-1
Required disclosures
Status: in_force

Sec. 1. (a) A discount medical card program organization shall make to a prospective cardholder, and print on the first page of advertisements, marketing materials, and brochures relating to a discount medical card program, the following written disclosures:

(1) That the discount medical card program is not health insurance.

(2) That the discount medical card program provides discounts for medical services rendered by program providers.

(3) That the discount medical card program does not make payments to providers.

(4) That the discount medical card program makes available, before purchase and upon request, a list of program providers, including the:

(A) name;

(B) city;

(C) state; and

(D) specialty;

of each program provider that is located in the prospective cardholder's service area.

(5) That the cardholder:

(A) is obligated to pay for all medical services; and

(B) will receive a discount from a program provider.

(6) The name and the locations of the discount medical card program organization and the corresponding customer service toll free telephone number.

(b) The disclosures made under subsection (a) must be printed in at least 12 point type.

(c) The front of an identification card or other materials designed to identify an individual as a cardholder must include, in boldface, 8 point type, the statement "This is not insurance".

(d) If the initial contact with a prospective cardholder is by telephone, the disclosures made under subsection (a) must be:

(1) made orally; and

(2) included in the initial written materials that describe the terms and conditions of the benefits under the discount medical card program provided to the prospective or new cardholder.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-8-4-10 — Indiana Code / Title 27 / Article 8 / Chapter 4 / Section 27-8-4-10
Report, adjustment, and settlement of claims
Status: in_force

Sec. 10. A. All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract.

B. All claims shall be paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of such claimant to one specified.

C. No plan or arrangement shall be used whereby any person, firm or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims; Provided, That a group policyholder may, by arrangement with the group insurer, draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer.

Formerly: Acts 1961, c.47, s.10.
Ind. Code § 27-8-10-3 — Indiana Code / Title 27 / Article 8 / Chapter 10 / Section 27-8-10-3
Association policy coverage; reimbursement methods; eligible expenses; managed care
Status: in_force

Sec. 3. (a) An association policy issued under this chapter may pay an amount for medically necessary eligible expenses related to the diagnosis or treatment of illness or injury that exceed the deductible and coinsurance amounts applicable under section 4 of this chapter. Payment under an association policy must be based on one (1) or a combination of the following reimbursement methods, as determined by the board of directors:

(1) The association's usual and customary fee schedule in effect on January 1, 2004. If payment is based on the usual and customary fee schedule in effect on January 1, 2004, the rates of reimbursement under the fee schedule must be adjusted annually by a percentage equal to the percentage change in the Indiana medical care component of the Consumer Price Index for all Urban Consumers, as published by the United States Bureau of Labor Statistics during the preceding calendar year.

(2) A health care provider network arrangement. If payment is based on a health care provider network arrangement, reimbursement under an association policy must be made according to:

(A) a network fee schedule for network health care providers and nonnetwork health care providers; and

(B) any additional coinsurance that applies to the insured under the association policy if the insured obtains health care services from a nonnetwork health care provider.

(3) Reimbursement for an eligible expense in an amount equal to not less than the federal Medicare reimbursement rate for the eligible expense plus ten percent (10%).

(b) Eligible expenses are the charges for the following health care services and articles to the extent furnished by a health care provider in an emergency situation or furnished or prescribed by a physician:

(1) Hospital services, including charges for the institution's most common semiprivate room, and for private room only when medically necessary, but limited to a total of one hundred eighty (180) days in a year.

(2) Professional services for the diagnosis or treatment of injuries, illnesses, or conditions, other than mental or dental, that are rendered by a physician or, at the physician's direction, by the physician's staff of registered or licensed nurses, and allied health professionals.

(3) The first twenty (20) professional visits for the diagnosis or treatment of one (1) or more mental conditions rendered during the year by one (1) or more physicians or, at their direction, by their staff of registered or licensed nurses, and allied health professionals.

(4) Drugs and contraceptive devices requiring a physician's prescription.

(5) Services of a skilled nursing facility for not more than one hundred eighty (180) days in a year.

(6) Services of a home health agency up to two hundred seventy (270) days of service a year.

(7) Use of radium or other radioactive materials.

(8) Oxygen.

(9) Anesthetics.

(10) Prostheses, other than dental.

(11) Rental of durable medical equipment which has no personal use in the absence of the condition for which prescribed.

(12) Diagnostic X-rays and laboratory tests.

(13) Oral surgery for:

(A) excision of partially or completely erupted impacted teeth;

(B) excision of a tooth root without the extraction of the entire tooth; or

(C) the gums and tissues of the mouth when not performed in connection with the extraction or repair of teeth.

(14) Services of a physical therapist and services of a speech therapist.

(15) Professional ambulance services to the nearest health care facility qualified to treat the illness or injury.

(16) Other medical supplies required by a physician's orders.

An association policy may also include comparable benefits for those who rely upon spiritual means through prayer alone for healing upon such conditions, limitations, and requirements as may be determined by the board of directors.

(c) A managed care organization that issues an association policy may not refuse to enter into an agreement with a hospital solely because the hospital has not obtained accreditation from an accreditation organization that:

(1) establishes standards for the organization and operation of hospitals;

(2) requires the hospital to undergo a survey process for a fee paid by the hospital; and

(3) was organized and formed in 1951.

(d) This section does not prohibit a managed care organization from using performance indicators or quality standards that:

(1) are developed by private organizations; and

(2) do not rely upon a survey process for a fee charged to the hospital to evaluate performance.

(e) For purposes of this section, if benefits are provided in the form of services rather than cash payments, their value shall be determined on the basis of their monetary equivalency.

(f) The following are not eligible expenses in any association policy within the scope of this chapter:

(1) Services for which a charge is not made in the absence of insurance or for which there is no legal obligation on the part of the patient to pay.

(2) Services and charges made for benefits provided under the laws of the United States, including Medicare and Medicaid, military service connected disabilities, medical services provided for members of the armed forces and their dependents or for employees of the armed forces of the United States, medical services financed in the future on behalf of all citizens by the United States.

(3) Benefits which would duplicate the provision of services or payment of charges for any care for injury or disease either:

(A) arising out of and in the course of an employment subject to a worker's compensation or similar law; or

(B) for which benefits are payable without regard to fault under a coverage statutorily required to be contained in any motor vehicle or other liability insurance policy or equivalent self-insurance.

However, this subdivision does not authorize exclusion of charges that exceed the benefits payable under the applicable worker's compensation or no-fault coverage.

(4) Care which is primarily for a custodial or domiciliary purpose.

(5) Cosmetic surgery unless provided as a result of an injury or medically necessary surgical procedure.

(6) Any charge for services or articles the provision of which is not within the scope of the license or certificate of the institution or individual rendering the services.

(g) The coverage and benefit requirements of this section for association policies may not be altered by any other inconsistent state law without specific reference to this chapter indicating a legislative intent to add or delete from the coverage requirements of this chapter.

(h) This chapter does not prohibit the association from issuing additional types of health insurance policies with different types of benefits that, in the opinion of the board of directors, may be of benefit to the citizens of Indiana.

(i) This chapter does not prohibit the association or its administrator from implementing uniform procedures to review the medical necessity and cost effectiveness of proposed treatment, confinement, tests, or other medical procedures. Those procedures may take the form of preadmission review for nonemergency hospitalization, case management review to verify that covered individuals are aware of treatment alternatives, or other forms of utilization review. Any cost containment techniques of this type must be adopted by the board of directors and approved by the commissioner.

As added by Acts 1981, P.L.249, SEC.1. Amended by P.L.28-1988, SEC.106; P.L.253-1989, SEC.3; P.L.116-1994, SEC.66; P.L.259-1995, SEC.1; P.L.51-2004, SEC.7; P.L.229-2011, SEC.252.
Ind. Code § 27-19-2-8 — Indiana Code / Title 27 / Article 19 / Chapter 2 / Section 27-19-2-8
"Health benefit exchange"
Status: in_force

Sec. 8. "Health benefit exchange" means an American health benefit exchange operating in Indiana under PPACA.

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-7-17-2 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-2
Applicability of definitions and other provisions
Status: in_force

Sec. 2. (a) The definitions in IC 27-1-15.6-2 apply throughout this chapter.

(b) All other applicable provisions of this title continue to apply to travel insurance, except that specific provisions of this chapter supersede any general provisions of law that would otherwise be applicable to travel insurance.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-2-22-8 — Indiana Code / Title 27 / Article 2 / Chapter 22 / Section 27-2-22-8
Required disclosures by insurer to the beneficiary
Status: in_force

Sec. 8. (a) An insurer that pays a policy death benefit in any manner other than a lump sum payment of the full amount of the policy proceeds shall provide, in written or electronic form, a disclosure containing a complete list and clear explanation of all payment options available to the beneficiary.

(b) An insurer described in subsection (a) shall not use a retained asset account as the default manner of payment of the policy death benefit unless the insurer conspicuously discloses to the beneficiary that, in the event that the beneficiary does not choose another payment option, a retained asset account will be used as the default manner of payment.

(c) The disclosure required by section 7 of this chapter must include the following information:

(1) A recommendation for the beneficiary to consult a tax, investment, or other financial adviser regarding tax liability and investment options.

(2) The:

(A) method by which interest rates are determined;

(B) timing and method of interest rate changes; and

(C) dividends or other gains that may be paid to the beneficiary;

applicable to the funds in the retained asset account.

(3) The identity of the custodian of the funds in the retained asset account.

(4) Whether the retained asset account is insured by the Federal Deposit Insurance Corporation and, if so, the amount of the coverage.

(5) Any limitations on the number and amount of withdrawals of funds from the retained asset account, including minimum or maximum benefit payment amounts.

(6) Services related to the retained asset account that are provided for a fee, including a list of the fees or method of calculation of the fees.

(7) The nature and frequency of statements of account for the retained asset account.

(8) That the payment of some or all of the proceeds may be by the delivery of checks, drafts, or other instruments to access the available funds.

(9) That the entire proceeds are available to the beneficiary by the use of one (1) check, draft, or other instrument.

(10) That the insurer or a related party may derive income, in addition to fees charged on the retained asset account, from the total gains received on the investment of the balance of funds in the retained asset account.

(11) The telephone number, address, and other contact information, including Internet web site address, from which the beneficiary may obtain additional information regarding the retained asset account.

(12) The following statement:

"FOR FURTHER INFORMATION, PLEASE CONTACT YOUR STATE DEPARTMENT OF INSURANCE.".

(d) The disclosures described in this section must be written in:

(1) layman's terms; and

(2) bold or at least 12 point type.

As added by P.L.67-2011, SEC.1. Amended by P.L.6-2012, SEC.187.
Ind. Code § 27-10-3-1 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-1
Bail agent and recovery agent; licenses; qualifications
Status: in_force

Sec. 1. (a) A person may not act in the capacity of a bail agent or recovery agent or perform any of the functions, duties, or powers prescribed for bail agents or recovery agents under this article unless the person is qualified and licensed as provided in this article. However, none of the terms of this section shall prohibit any individual or individuals from:

(1) pledging real or other property as security for a bail bond in judicial proceedings and where the individual does not receive, or is not promised, money or other things of value; or

(2) executing any bail bond for an insurer, pursuant to a bail bond service agreement entered into between the insurer and any automobile club or association, financing institution, insurance company, or other organization or association, and on behalf of a person required to furnish bail in connection with any violation of law arising out of the use of a motor vehicle.

(b) A license:

(1) may not be issued except in compliance with this article; and

(2) may only be issued to an individual.

However, upon an affirmative showing to the commissioner in writing by an individual that the individual is an all lines fire and casualty insurance producer, a surety bail agent license shall be issued to the individual without further qualification or fee to represent an insurer the individual is licensed to represent. The individual shall be subject to and governed by laws and rules relating to bail agents when engaged in the activities of a bail agent.

(c) A firm, a partnership, an association, a limited liability company, or a corporation may not be licensed.

(d) The applicant must apply in writing, on forms prepared and supplied by the commissioner, and the commissioner may propound any reasonable interrogatories to an applicant for a license under this article or on any renewal of a license relating to the applicant's qualifications, residence, prospective place of business, and any other matters which, in the opinion of the commissioner, are deemed necessary or expedient in order to protect the public and ascertain the qualifications of the applicant. The commissioner may also conduct any reasonable inquiry or investigation the commissioner sees fit, relative to the determination of the applicant's fitness to be licensed or to continue to be licensed.

(e) The failure of the applicant to secure approval of the commissioner shall not preclude the applicant from applying as many times as the applicant desires. However, an applicant's application may not be considered by the commissioner within one (1) year subsequent to the date upon which the commissioner denied the applicant's last application.

As added by P.L.261-1985, SEC.1. Amended by P.L.8-1993, SEC.434; P.L.224-1993, SEC.12; P.L.1-1994, SEC.140; P.L.178-2003, SEC.81.
Ind. Code § 27-14.5-6-2 — Indiana Code / Title 27 / Article 14.5 / Chapter 6 / Section 27-14.5-6-2
Information and documents are confidential
Status: in_force

Sec. 2. All information, documents, and copies of information and documents obtained by or disclosed to the commissioner or to any other person in the course of an examination or approval of a plan under this article:

(1) are declared confidential for purposes of IC 5-14-3-4(a)(1);

(2) shall be given confidential treatment;

(3) are not subject to subpoena; and

(4) shall not be made public by the commissioner or any other person, except to insurance departments of other states with the prior written consent of the applicant.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-10-3-8 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-8
Denial, suspension, or revocation of licenses; refusal to renew
Status: in_force

Sec. 8. (a) The commissioner shall deny, suspend, revoke, or refuse to renew any license issued under this article for any of the following causes:

(1) Any cause for which issuance of the license could have been refused had it then existed and been known to the commissioner.

(2) Violation of any laws of this state in the course of dealings under any license issued the licensee by the commissioner.

(3) Material misstatement, misrepresentation, or fraud in obtaining the license.

(4) Misappropriation, conversion, or unlawful withholding of money belonging to insurers or others and received in the conduct of business under any license issued to the licensee by the commissioner.

(5) Fraudulent or dishonest practices in the conduct of business under any license issued to the licensee by the commissioner.

(6) Willful failure to comply with or willful violation of any proper order or rule of the commissioner.

(7) When, in the judgment of the commissioner, the licensee has, in the conduct of affairs under the license, demonstrated:

(A) incompetency or untrustworthiness;

(B) conduct or practices rendering the licensee unfit to carry on the bail bond business or making the licensee's continuance in such business detrimental to the public interest;

(C) that the licensee is no longer in good faith carrying on the bail bond business; or

(D) that the licensee is guilty of rebating, or offering to rebate, or unlawfully dividing, or offering to divide, the licensee's commissions in the case of limited surety agents;

and for such reasons is found by the commissioner to be a source of detriment, injury, or loss to the public.

(8) The listing of the name of the applicant or licensee on the most recent tax warrant list supplied to the commissioner by the department of state revenue.

(b) The commissioner shall refuse to:

(1) issue a license; or

(2) renew a license issued;

under this chapter to a person who is the subject of an order issued by a court under IC 31-16-12-10 (or IC 31-1-11.5-13(m), IC 31-6-6.1-16(m), or IC 31-14-12-7 before their repeal).

(c) The commissioner may also levy a civil penalty of not more than ten thousand dollars ($10,000) for any of the causes listed in subsection (a). Any civil penalty levied under this subsection may be enforced in the same manner as a civil judgment.

(d) When a person who holds a license under this chapter enters a plea of guilty to a disqualifying offense, the commissioner, immediately upon the court's acceptance of the plea, shall revoke the person's license. The commissioner shall revoke the license of any person who is convicted of a disqualifying offense immediately upon conviction. The pending of sentencing or the pending of an appeal of a conviction of a disqualifying offense does not stay the revocation of a license under this subsection. A person convicted of a felony is not eligible to reapply for a license until ten (10) years from the date of conviction or release from imprisonment, parole, or probation, whichever is later. A person convicted of a misdemeanor disqualifying offense is not eligible to reapply for a license until five (5) years from the date of conviction or release from imprisonment, parole, or probation, whichever is later.

As added by P.L.261-1985, SEC.1. Amended by P.L.29-1987, SEC.5; P.L.185-1996, SEC.16; P.L.23-1996, SEC.28; P.L.1-1997, SEC.114; P.L.207-2013, SEC.14.
Ind. Code § 27-8-4-8 — Indiana Code / Title 27 / Article 8 / Chapter 4 / Section 27-8-4-8
Revision of rate schedules; credit or refund of premiums
Status: in_force

Sec. 8. A. Any insurer may revise its schedules of premium rates from time to time, and shall file such revised schedules with the commissioner. No insurer shall issue any credit life insurance policy or credit accident and health insurance policy for which the premium rate exceeds that determined by the schedules of such insurer as then on file with the commissioner.

B. Each individual policy, or group certificate shall provide that in the event of termination of the insurance prior to the scheduled maturity date of the indebtedness, any refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled thereto; Provided, however, That the commissioner shall prescribe a minimum refund and no refund which would be less than such minimum need be made. The formula to be used in computing such refund shall be filed with and approved by the commissioner.

C. If a creditor requires a debtor to make any payment for credit life insurance or credit accident and health insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to such debtor and shall promptly make an appropriate credit to the account.

D. The amount charged to a debtor for any credit life or credit health and accident insurance shall not exceed the premiums charged by the insurer, as computed at the time the charge to the debtor is determined.

Formerly: Acts 1961, c.47, s.8.
Ind. Code § 27-1-43.2-11 — Indiana Code / Title 27 / Article 1 / Chapter 43.2 / Section 27-1-43.2-11
Service contract requirements
Status: in_force

Sec. 11. (a) Except as provided in section 14 of this chapter, a service contract may not be offered, sold, or issued in Indiana unless the provider complies with one (1) of the following subdivisions:

(1) All of the following conditions are met:

(A) The provider is insured under a service contract reimbursement policy issued by an insurer authorized to do business in Indiana.

(B) True and correct copies of the service contract reimbursement policy have been filed with the commissioner.

(C) The service contract conspicuously:

(i) states that the obligations of the provider to the holder are covered under the service contract reimbursement policy; and

(ii) sets forth the name and address of the insurer that issued the service contract reimbursement policy.

(2) The provider maintains a funded reserve account for its obligations under each service contract issued by the provider in Indiana and outstanding, subject to the following:

(A) The reserves are calculated at not less than forty percent (40%) of the gross consideration received, then minus the amount of claims paid under the service contracts.

(B) The service contract conspicuously states that the obligations of the provider under the service contract are backed by the full faith and credit of the provider.

A reserve account maintained under subdivision (2) is subject to examination and review by the commissioner under section 15 of this chapter.

(b) A filing described in subsection (a)(1)(B) is for informational purposes only and is not subject to approval by the commissioner.

As added by P.L.129-2014, SEC.10.
Ind. Code § 27-2-28-6 — Indiana Code / Title 27 / Article 2 / Chapter 28 / Section 27-2-28-6
"Material change"
Status: in_force

Sec. 6. (a) As used in this chapter, "material change" means a premium increase of more than ten percent (10%) over and above the increases in the insurer's filed rate plan, including base rate increases and any other changes to the insurer's filed rate plan.

(b) The term does not include the following:

(1) An increase in the insurer's filed rate plan and automatic inflationary increases.

(2) An additional premium due to a change initiated by the insured, such as:

(A) adding or removing vehicles or drivers;

(B) adding an endorsement;

(C) adding additional coverages;

(D) adding covered premises; or

(E) increasing coverage limits or deductibles.

(3) An additional premium due to a change in risk exposure as a result of the insured's participation in a usage based or telematics insurance program.

(4) Changes resulting from a property inspection.

(5) For purposes of the second or subsequent renewals, rate increases that are implemented over more than one (1) policy period if:

(A) the implementation plan is included in the insurer's filed rate plan; or

(B) the increase for any one (1) policy period is not more than ten percent (10%) over the expiring policy period's premium.

As added by P.L.226-2023, SEC.20. Amended by P.L.86-2026, SEC.7.
Ind. Code § 27-7-18-5 — Indiana Code / Title 27 / Article 7 / Chapter 18 / Section 27-7-18-5
"Dental service"
Status: in_force

Sec. 5. (a) As used in this chapter, "dental service" means any service provided by a dentist within the scope of the dentist's licensure under IC 25-14.

(b) The term does not include a service delivered by a provider that is billed as a medical expense.

As added by P.L.17-2024, SEC.19.
Ind. Code § 27-14.5-4-13 — Indiana Code / Title 27 / Article 14.5 / Chapter 4 / Section 27-14.5-4-13
Insurance commissioner authority to hire experts in reviewing application
Status: in_force

Sec. 13. The commissioner may, at the applicant's expense, hire attorneys, actuaries, accountants, investment bankers, and other experts as may be reasonably necessary to assist the commissioner in reviewing an application.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-7-3.6-3 — Indiana Code / Title 27 / Article 7 / Chapter 3.6 / Section 27-7-3.6-3
Investments
Status: in_force

Sec. 3. 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 money may be invested.

As added by P.L.171-2006, SEC.5.
Ind. Code § 27-8-24.2-8 — Indiana Code / Title 27 / Article 8 / Chapter 24.2 / Section 27-8-24.2-8
Continued medical necessity review
Status: in_force

Sec. 8. The coverage required under section 5 of this chapter may be subject to utilization review, including periodic review, of the continued medical necessity of the benefit.

As added by P.L.109-2008, SEC.2.
Ind. Code § 27-1-24.2-5 — Indiana Code / Title 27 / Article 1 / Chapter 24.2 / Section 27-1-24.2-5
"Health plan"
Status: in_force

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

(1) A policy of accident and sickness insurance (as defined in IC 27-8-5-1). However, the term does not include the coverages described 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) that provides coverage for basic health care services (as defined in IC 27-13-1-4).

(3) Any other plan or program that provides payment, reimbursement, or indemnification to a covered individual for the cost of prescription drugs.

(b) The term does not include the following:

(1) A self-insured health plan provided by a hospital or health system to its employees and dependents of employees if the hospital or health system owns a pharmacy.

(2) A prescription drug plan established under Medicare Part D.

As added by P.L.189-2025, SEC.1.
Ind. Code § 27-1-12.1-2 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-2
Limited purpose subsidiary
Status: in_force

Sec. 2. As used in this chapter, "limited purpose subsidiary" means a subsidiary life insurance company that is organized under this chapter.

As added by P.L.11-2011, SEC.7.
Ind. Code § 27-1-36-44 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-44
Confidential department hearing
Status: in_force

Sec. 44. (a) The insurer has the right to a confidential departmental hearing, on the record, upon the occurrence of any of the following:

(1) Notification to an insurer by the commissioner of an adjusted RBC report.

(2) Notification to an insurer by the commissioner under section 32(b) of this chapter.

(3) Notification to an insurer by the commissioner that:

(A) the insurer has failed to adhere to its RBC plan or revised RBC plan; and

(B) the insurer's failure has a substantial adverse effect on the ability of the insurer to eliminate the company action level event with respect to the insurer in accordance with its RBC plan or revised RBC plan.

(4) Notification to an insurer by the commissioner of a corrective order with respect to the insurer.

(b) At a confidential hearing under this section, the insurer may challenge any determination or action by the commissioner.

(c) An insurer must notify the commissioner of the insurer's request for a hearing under this section not more than five (5) days after the notification by the commissioner under subsection (a). Upon receiving the insurer's request for a hearing, the commissioner shall set a date for the hearing. The date set by the commissioner must be:

(1) at least ten (10); and

(2) not more than thirty (30);

days after the date of the insurer's request.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-17-14-1 — Indiana Code / Title 27 / Article 17 / Chapter 14 / Section 27-17-14-1
Civil penalties
Status: in_force

Sec. 1. The department may impose a civil penalty of:

(1) at least five hundred dollars ($500); and

(2) not more than fifty thousand dollars ($50,000);

for each violation of this article.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-30.4-5 — Indiana Code / Title 27 / Article 1 / Chapter 30.4 / Section 27-1-30.4-5
Rules
Status: in_force

Sec. 5. The commissioner may adopt rules under IC 4-22-2 to implement and administer this chapter.

As added by P.L.165-2022, SEC.5.
Ind. Code § 27-8-1-1 — Indiana Code / Title 27 / Article 8 / Chapter 1 / Section 27-8-1-1
Authority to incorporate
Status: in_force

Sec. 1. Any number of persons not less than five (5) nor more than thirteen (13), citizens of the United States, one (1) or more of whom shall be bona fide citizens and voters of this state, may associate themselves together as a body corporate for the purpose of organizing a corporation, association, or society to transact the business of life insurance on the assessment plan, subject to the conditions and restrictions provided in this chapter.

Formerly: Acts 1883, c.136, s.1. As amended by P.L.136-2018, SEC.187.
Ind. Code § 27-15-9-1 — Indiana Code / Title 27 / Article 15 / Chapter 9 / Section 27-15-9-1
Value, amount, or proportion of consideration received
Status: in_force

Sec. 1. The method or formula for allocating consideration among the eligible members shall provide for each eligible member to receive:

(1) a fixed value, amount, or proportion of consideration;

(2) a variable value, amount, or proportion of consideration; or

(3) a combination of fixed and variable values, amounts, or proportions of consideration.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-7-3-2 — Indiana Code / Title 27 / Article 7 / Chapter 3 / Section 27-7-3-2
Definitions
Status: in_force

Sec. 2. As used in this chapter and unless a different meaning appears from the context:

(a) The term "title insurance" means a contract of insurance against loss or damage on account of encumbrances upon or defects in the title to real estate.

(b) The term "closing protection letter" means a written indemnification of or undertaking to a party to a real estate transaction by a principal that specifies the extent to which the principal is responsible for intentional or unintentional misconduct or errors of an agent of the principal in connection with the closing of the real estate transaction.

(c) The term "company" shall mean and include any corporation, domestic or foreign, to which this chapter is applicable.

(d) The term "department" shall mean the department of insurance of the state of Indiana.

(e) The term "commissioner" shall mean the insurance commissioner.

(f) The term "public record" has the meaning set forth in IC 5-14-3-2.

(g) The term "title policy" means a policy issued by a company that:

(1) is authorized to do business as a title insurance company under section 3 of this chapter; and

(2) insures or indemnifies persons with an interest in real property against loss or damage caused by a lien on, an encumbrance on, a defect in, or the unmarketability of the title to the real property.

(h) The term "title search" means a search and examination of the public records sufficient to determine:

(1) ownership of;

(2) encumbrances on;

(3) liens on; and

(4) defects in the title to;

the real estate that is the subject of the search.

Formerly: Acts 1937, c.104, s.2. As amended by P.L.252-1985, SEC.248; P.L.68-2002, SEC.1; P.L.80-2013, SEC.3.
Ind. Code § 27-11-8-3 — Indiana Code / Title 27 / Article 11 / Chapter 8 / Section 27-11-8-3
Renewal of license; fee
Status: in_force

Sec. 3. The authority of all societies licensed may be renewed annually, but in all cases to terminate on April 30. However, a license shall continue in full force and effect until the new license is issued or specifically refused. For each license or renewal, the society shall pay the commissioner a fee of twenty-five dollars ($25). A duly certified copy or duplicate of the license is prima facie evidence that the licensee is a fraternal benefit society within the meaning of this article.

As added by P.L.262-1985, SEC.1. Amended by P.L.31-1988, SEC.25.
Ind. Code § 27-1-44.5-5 — Indiana Code / Title 27 / Article 1 / Chapter 44.5 / Section 27-1-44.5-5
Submission of required data by health payers
Status: in_force

Sec. 5. A health payer shall begin submitting the required data in a format specified by the administrator of the data base not later than three (3) months from the first day the department declares the data base to be fully operational.

As added by P.L.50-2020, SEC.6. Amended by P.L.195-2021, SEC.6; P.L.190-2023, SEC.20.
Ind. Code § 27-8-29-4 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-4
"Covered individual" defined
Status: in_force

Sec. 4. As used in this chapter, "covered individual" has the meaning set forth in IC 27-8-28-3.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14.
Ind. Code § 27-17-3-1 — Indiana Code / Title 27 / Article 17 / Chapter 3 / Section 27-17-3-1
Authority to examine and investigate; expenses
Status: in_force

Sec. 1. (a) The department may examine or investigate the business and affairs of a discount medical card program organization.

(b) The department may:

(1) order a discount medical card program organization or applicant for registration under IC 27-17-2 to produce records, books, files, advertising and solicitation materials, and other information; and

(2) take statements under oath to determine whether the discount medical card program organization or applicant is in violation of the law or is acting contrary to the public interest.

(c) A discount medical card program organization or applicant that is examined or investigated under this chapter shall pay any expense incurred in conducting the examination or investigation.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-37.5-13.5 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-13.5
Expired
Status: repealed

As added by P.L.190-2023, SEC.17. Expired 6-30-2026 by P.L.190-2023, SEC.17.
Ind. Code § 27-2-21-5 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-5
"Consumer"
Status: in_force

Sec. 5. As used in this chapter, "consumer" means an:

(1) insured whose:

(A) credit information is used; or

(B) insurance score is calculated;

in the underwriting or rating of a personal insurance policy; or

(2) applicant for a personal insurance policy.

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-1-12-19 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-19
Ascertainment of indebtedness due upon policy or premium loans; interest
Status: in_force

Sec. 19. In ascertaining the indebtedness due upon policy or premium loans, the interest, if not paid when due, shall be added to the principal of such loans and shall bear interest at the rate specified in the note or loan agreement.

Formerly: Acts 1935, c.162, s.158.
Ind. Code § 27-2-24-3 — Indiana Code / Title 27 / Article 2 / Chapter 24 / Section 27-2-24-3
"Available insurance proceeds"
Status: in_force

Sec. 3. As used in this chapter, "available insurance proceeds" means:

(1) the proceeds payable under a policy of property or casualty insurance:

(A) to an innocent coinsured; and

(B) based on a claim for property loss to the innocent coinsured's primary residence; minus

(2) proceeds already paid under the policy of property or casualty insurance to:

(A) the innocent coinsured for:

(i) emergency living expenses;

(ii) emergency action necessary to secure the premises of the primary residence; and

(iii) action necessary to prevent further damage to the premises of the primary residence; and

(B) a lienholder or mortgagee who is not under investigation by an authorized agency;

in connection with the property loss described in subdivision (1).

As added by P.L.148-2017, SEC.8.
Ind. Code § 27-4-1-11 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-11
Foreign or alien insurer's unfair competition or unfair or deceptive practice by periodical or radio; notice to supervisory official of domiciliary state
Status: in_force

Sec. 11. If any foreign or alien insurer engages in this state in an unfair method of competition or in an unfair or deceptive practice as defined in section 4(1) or 4(2) of this chapter by means of any advertisement, announcement, or statement, in any magazine or other periodical publication having a general circulation in more than five (5) states, or by means of any radio broadcast to more than five (5) states, including the state of domicile of such insurer, and if the laws of the state where such insurer is domiciled make provision for enjoining of such method of competition or practice, it shall be the duty of the commissioner to advise the insurance supervisory official of such domiciliary state of the violation in order that he may take appropriate action, but the commissioner shall have no authority to proceed, with respect to such violation, under either section 5 or 8 of this chapter. For the purpose of this section the domiciliary state of an alien insurer shall be deemed to be its state of entry, or the state of the principal office in the United States.

Formerly: Acts 1947, c.112, s.11. As amended by P.L.252-1985, SEC.152.
Ind. Code § 27-1-24.5-28 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-28
Violation of chapter
Status: in_force

Sec. 28. (a) A violation of this chapter is an unfair or deceptive act or practice in the business of insurance under IC 27-4-1-4.

(b) The department may also adopt rules under IC 4-22-2 to set forth fines for a violation under this chapter.

As added by P.L.68-2020, SEC.1.
Ind. Code § 27-7-3-11 — Indiana Code / Title 27 / Article 7 / Chapter 3 / Section 27-7-3-11
Interest on deposited securities
Status: in_force

Sec. 11. The department shall permit such companies having on deposit with it stocks or bonds as security to collect the interest accruing on such deposits, delivering to their authorized agents, respectively, the coupons or other evidences of interest as the same become due.

Formerly: Acts 1937, c.104, s.11.
Ind. Code § 27-1-44.5-0.4 — Indiana Code / Title 27 / Article 1 / Chapter 44.5 / Section 27-1-44.5-0.4
"Advisory board"
Status: in_force

Sec. 0.4. As used in this chapter, "advisory board" means the all payer claims data base advisory board established under IC 27-1-44.6-5.

As added by P.L.195-2021, SEC.2.
Ind. Code § 27-19-2-5 — Indiana Code / Title 27 / Article 19 / Chapter 2 / Section 27-19-2-5
"Commissioner"
Status: in_force

Sec. 5. "Commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-1-26-3 — Indiana Code / Title 27 / Article 1 / Chapter 26 / Section 27-1-26-3
Minimum requirements
Status: in_force

Sec. 3. Except as otherwise provided in this chapter, a policy issued for delivery in Indiana must meet the following minimum requirements:

(1) The text achieves a minimum score of forty (40) on the Flesch reading ease test or an equivalent score on a comparable test approved by the commissioner as provided by section 6 of this chapter.

(2) It is printed, except for specification pages, schedules, and tables, in not less than ten (10) point type, one (1) point leaded.

(3) The style, arrangement, and overall appearance of the policy give no undue prominence to any portion of the text of the policy or to any endorsements or riders.

(4) It must contain a table of contents or an index of the principal sections of the policy if:

(A) the policy has three thousand (3,000) or more words; or

(B) the policy has three (3) or more pages.

As added by Acts 1981, P.L.245, SEC.1.
Ind. Code § 27-1-12.8-7 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-7
"Contractholder behavior"
Status: in_force

Sec. 7. (a) As used in this chapter, "contractholder behavior" means an action taken by a contract holder, certificate holder, or another person possessing the right to elect options, including:

(1) lapse;

(2) withdrawal;

(3) transfer;

(4) deposit;

(5) premium payment;

(6) loan;

(7) annuitization;

(8) benefit elections; and

(9) other options;

under the contract.

(b) As used in this chapter, "contractholder behavior" does not include events of mortality or morbidity resulting in benefits prescribed according to the terms of the contract.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-1-3-12 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-12
Acceptance of examination made by another state
Status: in_force

Sec. 12. The department may in its discretion accept any examination of any insurance company made by the commissioners' convention or by the proper authority of the state in which a foreign or alien company is domiciled in lieu of the examination made under the provisions of this article.

Formerly: Acts 1935, c.162, s.19. As amended by P.L.252-1985, SEC.9.
Ind. Code § 27-8-14.5-4 — Indiana Code / Title 27 / Article 8 / Chapter 14.5 / Section 27-8-14.5-4
Coverage for treatments, supplies, and equipment
Status: in_force

Sec. 4. A health insurance plan issued by an insurer must provide coverage to the insured for the medically necessary treatment for diabetes, including medically necessary supplies and equipment as ordered in writing by a physician licensed under IC 25-22.5 or a podiatrist licensed under IC 25-29, subject to the general provisions of the health insurance plan.

As added by P.L.190-1997, SEC.1.
Ind. Code § 27-1-16.1-8 — Indiana Code / Title 27 / Article 1 / Chapter 16.1 / Section 27-1-16.1-8
Limited lines producer's license required; training and limits on employee and authorized representative conduct
Status: in_force

Sec. 8. (a) A self-storage facility shall not sell, solicit, or negotiate self-storage insurance unless the self-storage facility holds a limited lines producer's license issued under IC 27-1-15.6-18 to sell, solicit, or negotiate self-storage insurance.

(b) A limited lines producer's license required by subsection (a) authorizes each of the following to sell, solicit, or negotiate self-storage insurance to a customer at each of a self-storage facility's locations in Indiana:

(1) The self-storage facility.

(2) Each of the self-storage facility's employees or authorized representatives, regardless of whether the employee or authorized representative is individually licensed under IC 27-1-15.6, if the insurer that issues the self-storage insurance directly supervises or appoints a supervising entity to supervise:

(A) the administration of the self-storage insurance sold by the self-storage facility; and

(B) a training program for the employees and authorized representatives.

(c) The following apply to a training program described in subsection (b):

(1) The training must be provided to any employee or authorized representative who is directly engaged in the sale, solicitation, or negotiation of self-storage insurance.

(2) Initial training of an employee or authorized representative:

(A) must be provided before the employee or authorized representative engages in the sale, solicitation, or negotiation of self-storage insurance; and

(B) may be provided in electronic form or another form.

(3) Continuing training of an employee or authorized representative:

(A) must be provided on a periodic basis; and

(B) may be provided in electronic form or another form.

(4) The training must be developed and overseen by employees of the supervising entity who are licensed as insurance producers under IC 27-1-15.6 with the qualifications described in IC 27-1-15.6-7(a)(3) and IC 27-1-15.6-7(a)(4).

(5) The training must provide basic instruction concerning the:

(A) self-storage insurance offered to customers of the self-storage facility; and

(B) disclosures required by section 10 of this chapter.

(d) An employee or authorized representative of a self-storage facility shall not:

(1) sell, solicit, or negotiate self-storage insurance except in connection with and incidental to the rental of storage space by the self-storage facility; or

(2) advertise or represent that the self-storage facility is an insurance producer other than a limited lines producer licensed under IC 27-1-15.6.

As added by P.L.81-2013, SEC.3.
Ind. Code § 27-1-16.1-3 — Indiana Code / Title 27 / Article 1 / Chapter 16.1 / Section 27-1-16.1-3
"Insured customer"
Status: in_force

Sec. 3. As used in this chapter, "insured customer" means a customer that purchases insurance under a self-storage insurance policy that is sold, solicited, or negotiated by a self-storage facility.

As added by P.L.81-2013, SEC.3.
Ind. Code § 27-10-1-1 — Indiana Code / Title 27 / Article 10 / Chapter 1 / Section 27-10-1-1
Application of definitions
Status: in_force

Sec. 1. The definitions in this chapter apply throughout this article.

As added by P.L.261-1985, SEC.1.
Ind. Code § 27-15-4-8 — Indiana Code / Title 27 / Article 15 / Chapter 4 / Section 27-15-4-8
Findings required for application approval
Status: in_force

Sec. 8. The commissioner shall approve the application and permit the conversion under the plan of conversion and the amendment to the articles of incorporation if the commissioner finds, following the public hearing, if required:

(1) that the amount and form of consideration is fair in the aggregate and to each member class;

(2) that the plan of conversion and the amendment to the articles of incorporation:

(A) comply with this article and other applicable laws;

(B) are fair, reasonable, and equitable to the eligible members; and

(C) will not prejudice the interests of the other policyholders of the converting mutual; and

(3) except for a simple plan of conversion, that the total consideration provided to eligible members upon the extinguishing of the converting mutual's membership interests is equal to or greater than the surplus of the converting mutual.

As added by P.L.94-1999, SEC.3.