Ind. Code § 27-1-12-24 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-24
Offering stock or certificates as inducement for purchase of insurance or annuity; revocation of authority
Status: in_force

Sec. 24. No life insurance company doing business in this state shall issue in this state, nor permit its agents, officers, or employees to issue or deliver in this state, agency company stock or other capital stock, or benefit certificates or shares in any common-law corporation, or securities, or any special advisory board or other contracts of any kind promising returns and profits as an inducement to insurance or for the purchase of an annuity; and no life insurance company shall be authorized to do business in this state which issues or permits its agents, officers, or employees to issue in this state or in any other state or territory agency company stock or other capital stock, or benefit certificates or shares in any common-law corporation, or securities, or any special advisory board or other contracts of any kind promising returns and profits as an inducement to insurance or for the purchase of an annuity; and no corporation or stock company acting as agent of a life insurance company nor any of its agents, officers, or employees shall be permitted to sell, agree to offer or sell, or give or offer to give, directly or indirectly, in any manner whatsoever, any share of stock, securities, bonds, or agreement of any form or nature promising returns and profits as an inducement to insurance or for the purchase of an annuity; or in connection therewith. The department may, upon due proof after notice and hearing that any such company or agent thereof has violated any of the provisions of this section, revoke the authority of the company or agent so offending.

Formerly: Acts 1935, c.162, s.163.
Ind. Code § 27-1-37-4 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-4
"Person" defined
Status: in_force

Sec. 4. (a) As used in this chapter, "person" means an individual, an agency, a political subdivision, a partnership, a corporation, an association, or any other entity.

(b) The term does not include a health care provider described in IC 16-18-2-163(a)(1), IC 16-18-2-163(a)(2), IC 16-18-2-163(a)(3), or IC 16-18-2-163(a)(4).

As added by P.L.197-2001, SEC.1.
Ind. Code § 27-1-37.4-4 — Indiana Code / Title 27 / Article 1 / Chapter 37.4 / Section 27-1-37.4-4
Electronic transmission of prior authorization request
Status: in_force

Sec. 4. A health plan shall accept and respond to a request for prior authorization delivered to the health plan by a covered individual's:

(1) prescribing health care provider; or

(2) dispensing pharmacist;

through an electronic transmission that complies with the technical standards developed by the National Council for Prescription Drug Programs for electronic prior authorization transactions (NCPDP SCRIPT).

As added by P.L.45-2017, SEC.1.
Ind. Code § 27-2-28-7 — Indiana Code / Title 27 / Article 2 / Chapter 28 / Section 27-2-28-7
"Personal automobile or homeowner's policy"
Status: in_force

Sec. 7. As used in this chapter, "personal automobile or homeowner's policy" means:

(1) an automobile policy; or

(2) a homeowner's policy;

that is underwritten on an individual basis for an individual, family, or household.

As added by P.L.226-2023, SEC.20.
Ind. Code § 27-1-15.7-4 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-4
Approval of continuing education courses
Status: in_force

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

Sec. 4. (a) The commissioner shall approve and disapprove continuing education courses after considering recommendations made by the insurance producer education and continuing education commission established under section 6.5 of this chapter.

(b) The commissioner may not approve a course under this section if the course:

(1) is designed to prepare an individual to receive an initial license under this chapter;

(2) concerns only routine, basic office skills, including filing, keyboarding, and basic computer skills; or

(3) may be completed by a licensee without supervision by an instructor, unless the course involves an examination process that is:

(A) completed and passed by the licensee as determined by the provider of the course; and

(B) approved by the commissioner.

(c) The commissioner shall approve a course under this section that is submitted for approval by an insurance trade association or professional insurance association if:

(1) the objective of the course is to educate a manager or an owner of a business entity that is required to obtain an insurance producer license under IC 27-1-15.6-6(d);

(2) the course teaches insurance producer management and is designed to result in improved efficiency in insurance producer operations, systems use, or key functions;

(3) the course is designed to benefit consumers; and

(4) the course is not described in subsection (b).

(d) Approval of a continuing education course under this section shall be for a period of not more than two (2) years.

(e) A prospective provider of a continuing education course shall pay:

(1) a fee of forty dollars ($40) for each course submitted for approval of the commissioner under this section; or

(2) an annual fee of five hundred dollars ($500) not later than January 1 of a calendar year, which entitles the prospective provider to submit an unlimited number of courses for approval of the commissioner under this section during the calendar year.

The commissioner may waive all or a portion of the fee for a course submitted under a reciprocity agreement with another state for the approval or disapproval of continuing education courses. Fees collected under this subsection shall be deposited in the department of insurance fund established under IC 27-1-3-28.

(f) A prospective provider of a continuing education course may electronically deliver to the commissioner any supporting materials for the course.

(g) The commissioner shall adopt rules under IC 4-22-2 to establish procedures for approving continuing education courses.

As added by P.L.132-2001, SEC.4. Amended by P.L.57-2005, SEC.1; P.L.148-2017, SEC.3; P.L.158-2024, SEC.1.
Ind. Code § 27-8-6-6 — Indiana Code / Title 27 / Article 8 / Chapter 6 / Section 27-8-6-6
Coverage for athletic trainer services
Status: in_force

Sec. 6. (a) As used in this section, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. However, the term does not include the following:

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

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

(3) Automobile medical payment insurance.

(4) A specified disease policy.

(5) A short term insurance plan that:

(A) may be renewed for the greater of:

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

(ii) the maximum period permitted under federal law;

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

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

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

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

(B) gaps for deductibles or copayments.

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

(b) A policy of accident and sickness insurance that provides coverage for physical medicine and rehabilitative services shall provide the coverage for physical medicine and rehabilitative services that are:

(1) rendered by an athletic trainer who is licensed under IC 25-5.1; and

(2) within the athletic trainer's scope of practice.

(c) This section does not require a policy of accident and sickness insurance to provide coverage for physical medicine or rehabilitative services generally.

As added by P.L.133-2011, SEC.1. Amended by P.L.288-2019, SEC.8.
Ind. Code § 27-1-24.6-3 — Indiana Code / Title 27 / Article 1 / Chapter 24.6 / Section 27-1-24.6-3
"Health plan"
Status: in_force

Sec. 3. As used in this chapter, "health plan" means the following:

(1) A state employee health plan (as described in IC 5-10-8-7).

(2) 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).

(3) 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.

As added by P.L.216-2025, SEC.41.
Ind. Code § 27-1-7.5-4 — Indiana Code / Title 27 / Article 1 / Chapter 7.5 / Section 27-1-7.5-4
"Liability" defined
Status: in_force

Sec. 4. As used in this chapter, "liability" means the obligation to pay a judgment, settlement, penalty, fine (including an excise tax assessed with respect to an employee benefit plan), or reasonable expenses incurred with respect to a proceeding.

As added by P.L.266-1987, SEC.6.
Ind. Code § 27-1-20-9 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-9
Substitution of securities on deposit; withdrawal of securities in excess of requirements
Status: in_force

Sec. 9. Companies shall have the right at any time to change their securities on deposit, by substituting for those withdrawn a like amount in other securities of the character provided for in this article, and whenever the net cash value of policies outstanding and in force against any company is less than the amount of securities then on deposit with the department, said company shall have the right to withdraw such excess, but at least twenty-five thousand dollars ($25,000) shall remain on deposit.

Formerly: Acts 1935, c.162, s.256. As amended by P.L.252-1985, SEC.90.
Ind. Code § 27-1-51-4 — Indiana Code / Title 27 / Article 1 / Chapter 51 / Section 27-1-51-4
"Covered individual"
Status: in_force

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

As added by P.L.237-2025, SEC.10.
Ind. Code § 27-1-20-19 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-19
Misrepresentation of funds available to pay losses or policy claims
Status: in_force

Sec. 19. No company doing business in this state or agent thereof shall state or represent by advertisement in any newspaper, periodical or magazine or by any sign, circular, card, policy of insurance or certificate of renewal thereof or otherwise that any funds or assets are in possession of such company which are not actually owned by it and available for the payment of losses and claims and held for the protection of its policyholders and creditors. Funds deposited by any company, under depository laws of this or other states, shall be considered as in the company's possession for the payment of losses or policy claims.

Formerly: Acts 1935, c.162, s.267.
Ind. Code § 27-8-15-23 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-23
Maintenance of rating and renewal practice information and documentation
Status: in_force

Sec. 23. Each small employer insurer shall maintain for three (3) years at the insurer's principal place of business a complete and detailed description of the insurer's rating practices and renewal underwriting practices, including information and documentation that demonstrate that the insurer's rating methods and practices are based upon commonly accepted actuarial assumptions and are in accordance with sound actuarial principles.

As added by P.L.127-1992, SEC.1.
Ind. Code § 27-14.5-1-27 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-27
"Policy"
Status: in_force

Sec. 27. "Policy" means a contract providing one (1) or more of the kinds of insurance described in IC 27-1-5-1.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-8-19.8-17 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-17
Annual reports
Status: in_force

Sec. 17. (a) A viatical settlement provider shall file with the department an annual report containing information prescribed in rules adopted by the department under IC 4-22-2.

(b) The rules adopted by the department under subsection (a) shall set the date by which annual reports must be submitted.

(c) A viatical settlement provider shall maintain records of each viatical settlement at least five (5) years after the death of the insured.

As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.19.
Ind. Code § 27-1-45-5 — Indiana Code / Title 27 / Article 1 / Chapter 45 / Section 27-1-45-5
"Practitioner"
Status: in_force

Sec. 5. (a) As used in this chapter, "practitioner" means the following:

(1) An individual:

(A) who holds:

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

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

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

(iv) an intern permit; or

(v) a provisional license;

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

(B) who provides professional health care services to individuals in a facility.

(2) An entity that:

(A) is owned by, or employs; or

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

an individual described in subdivision (1).

(b) The term does not include the following:

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

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

(3) A provider facility.

As added by P.L.93-2020, SEC.11. Amended by P.L.202-2021, SEC.8.
Ind. Code § 27-9-3-17 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-17
Transfers; time perfected
Status: in_force

Sec. 17. (a) A transfer of property other than real property shall be considered to be made or suffered when it becomes so far perfected that no subsequent lien obtainable by legal or equitable proceedings on a simple contract could become superior to the rights of the transferee.

(b) A transfer of real property shall be considered to be made or suffered when it becomes so far perfected that no subsequent bona fide purchaser from the insurer could obtain rights superior to the rights of the transferee.

(c) A transfer that creates an equitable lien shall not be considered to be perfected if there are available means by which a legal lien could be created.

(d) A transfer not perfected before the filing of a petition for liquidation shall be considered to be made immediately before the filing of the successful petition.

(e) This section applies whether or not there are or were creditors who might have obtained liens or persons who might have become bona fide purchasers.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-2-25-15 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-15
Notice on website
Status: in_force

Sec. 15. A health carrier that provides a website for the use of its covered individuals shall ensure that the website includes a printed notice that:

(1) is designed, lettered, and featured on the website so as to be conspicuous to and readable by any individual with normal vision who visits the website; and

(2) states the following, or words to the same effect: "A covered individual may at any time ask the health carrier for an estimate of the amount the health carrier will pay for or reimburse to a covered individual for nonemergency health care services that have been ordered for the covered individual or the applicable benefit limitations of the ordered nonemergency health care services a covered individual is entitled to receive from the health carrier. The law requires that an estimate be provided within 2 business days.".

As added by P.L.93-2020, SEC.13. Amended by P.L.215-2025, SEC.60.
Ind. Code § 27-13-23-4 — Indiana Code / Title 27 / Article 13 / Chapter 23 / Section 27-13-23-4
Officers and agents; oaths and examination by commissioner
Status: in_force

Sec. 4. When conducting an examination of a health maintenance organization, the commissioner:

(1) may administer oaths to; and

(2) examine;

the officers and agents of the health maintenance organization concerning the business of the organization.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-35-7 — Indiana Code / Title 27 / Article 1 / Chapter 35 / Section 27-1-35-7
"Licensed insurer" or "insurer" defined
Status: in_force

Sec. 7. As used in this chapter, "licensed insurer" or "insurer" means any person, firm, association, or corporation licensed to transact a property/casualty insurance business in Indiana. The following are not licensed insurers for the purposes of this chapter:

(1) All risk retention groups (as defined in the Superfund Amendments Reauthorization Act of 1986, Pub. L. No. 99-499, 100 Stat. 1613 (1986), the Risk Retention Act, 15 U.S.C. Section 3901 et seq. (1982 & Supp. 1986), and IC 27-7-10-11).

(2) All residual market pools and joint underwriting authorities or associations.

(3) All captive insurers.

As added by P.L.130-1994, SEC.36 and P.L.116-1994, SEC.47.
Ind. Code § 27-13-7-8 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-8
Readability standards
Status: in_force

Sec. 8. The commissioner may adopt rules under IC 4-22-2 establishing readability standards for individual contracts and evidence of coverage forms.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-8-14.2-3 — Indiana Code / Title 27 / Article 8 / Chapter 14.2 / Section 27-8-14.2-3
"Autism spectrum disorder"
Status: in_force

Sec. 3. As used in this chapter, "autism spectrum disorder" means a neurological condition, including Asperger's syndrome and autism, as defined in the Diagnostic and Statistical Manual of Mental Disorders.

As added by P.L.148-2001, SEC.2. Amended by P.L.188-2013, SEC.21; P.L.124-2018, SEC.80.
Ind. Code § 27-8-4-9 — Indiana Code / Title 27 / Article 8 / Chapter 4 / Section 27-8-4-9
Persons authorized to issue or deliver policies
Status: in_force

Sec. 9. All policies of credit life insurance and credit accident and health insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business in this state, and shall be issued only through holders of licenses issued by the commissioner.

Formerly: Acts 1961, c.47, s.9. As amended by P.L.136-2018, SEC.194.
Ind. Code § 27-1-17-6 — Indiana Code / Title 27 / Article 1 / Chapter 17 / Section 27-1-17-6
Deposit
Status: in_force

Sec. 6. Every alien company shall deposit with the department securities of the amount and value of one hundred thousand dollars ($100,000) invested in the classes of securities in which insurance companies are permitted by the laws of this state to make investments, or, satisfy the department that it has on deposit with the proper official of a state of the United States, authorized by the laws of such state to accept such deposit, securities of the amount and value of one hundred thousand dollars ($100,000), of the classes in which like insurance companies of such state are permitted to make their investments, for the benefit and security of all its policyholders and creditors in the United States, and the company shall file with the department the certificate of such official of any such deposit held by him.

Formerly: Acts 1935, c.162, s.231.
Ind. Code § 27-13-5-2 — Indiana Code / Title 27 / Article 13 / Chapter 5 / Section 27-13-5-2
Fidelity bond or fidelity insurance
Status: in_force

Sec. 2. A health maintenance organization shall maintain in force a fidelity bond or fidelity insurance on the directors, officers, employees, and partners referred to in section 1 of this chapter:

(1) in an amount:

(A) not less than two hundred and fifty thousand dollars ($250,000) for each health maintenance organization; or

(B) not more than five million dollars ($5,000,000) in the aggregate on behalf of all health maintenance organizations owned by a common parent organization; or

(2) in an amount prescribed by the commissioner.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-15-8-3 — Indiana Code / Title 27 / Article 15 / Chapter 8 / Section 27-15-8-3
Delay in distribution; time limitation
Status: in_force

Sec. 3. Distribution of all or part of the consideration to some or all of the eligible members may be delayed, or restrictions on sale or transfer of any stock or other securities to be distributed to eligible members may be required, for a reasonable period of time following the effective date of the conversion. However, the period of time may not exceed six (6) months except as permitted under IC 27-15-12.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-13-20-1 — Indiana Code / Title 27 / Article 13 / Chapter 20 / Section 27-13-20-1
Rates; approval
Status: in_force

Sec. 1. The rates to be used by a health maintenance organization, including the actuarial assumptions underlying those rates, must be filed with the commissioner for approval and:

(1) must be established in accordance with actuarial principles for various categories of enrollees and, in the case of a group contract, shall not be individually determined based on the status of an enrollee's health;

(2) must be developed by an actuary or other qualified person acceptable to the commissioner; and

(3) may not be excessive, inadequate, or unfairly discriminatory.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-8-15-22 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-22
Disclosure of premium rate changes
Status: in_force

Sec. 22. Each small employer insurer shall make reasonable disclosure in solicitation and sales materials provided to small employers of the provisions affecting premium rate changes.

As added by P.L.127-1992, SEC.1.
Ind. Code § 27-1-46-10.5 — Indiana Code / Title 27 / Article 1 / Chapter 46 / Section 27-1-46-10.5
"Urgent care facility"
Status: in_force

Sec. 10.5. (a) As used in this chapter, "urgent care facility" means a freestanding health care facility that offers episodic, walk-in care for the treatment of acute, but not life threatening, health conditions.

(b) The term does not include an emergency department of a hospital or a nonprofit or government operated health clinic.

As added by P.L.93-2020, SEC.12.
Ind. Code § 27-8-15-33 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-33
Mandatory coverage by employer insurer to all employer's eligible employees and employees' dependents; employees declining coverage; minimum participation and contribution requirements
Status: in_force

Sec. 33. (a) If a small employer insurer offers coverage under a health insurance plan to a small employer, the small employer insurer shall provide the employer coverage under the plan for:

(1) all eligible employees of the small employer; and

(2) the dependents of all eligible employees of the small employer.

(b) Except as provided in section 29 of this chapter with respect to late enrollees, a small employer insurer shall not limit the insurer's provision of coverage to:

(1) certain individuals in a small employer group; or

(2) a part of a small employer group.

(c) This section does not prohibit an eligible employee from declining coverage under this section.

(d) Nothing in this chapter prohibits a small employer insurer from including minimum participation and contribution requirements in its offer of coverage.

As added by P.L.93-1995, SEC.22.
Ind. Code § 27-15-1-6 — Indiana Code / Title 27 / Article 15 / Chapter 1 / Section 27-15-1-6
"Converting mutual"
Status: in_force

Sec. 6. "Converting mutual" means a domestic mutual insurance company that has adopted a plan of conversion and an amendment to its articles of incorporation under this article that will, upon consummation, result in the domestic mutual insurance company converting into a domestic stock insurance company.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-8-15-13 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-13
"Rating period"
Status: in_force

Sec. 13. As used in this chapter, "rating period" means the calendar period for which premium rates established by a small employer insurer are assumed to be in effect, as determined by the small employer insurer.

As added by P.L.127-1992, SEC.1.
Ind. Code § 27-7-9-1 — Indiana Code / Title 27 / Article 7 / Chapter 9 / Section 27-7-9-1
"Commissioner"
Status: in_force

Sec. 1. As used in this chapter, "commissioner" refers to the insurance commissioner.

As added by P.L.164-1986, SEC.1.
Ind. Code § 27-13-6-9 — Indiana Code / Title 27 / Article 13 / Chapter 6 / Section 27-13-6-9
Inspection of records by commissioner
Status: in_force

Sec. 9. The commissioner may inspect the records of a health maintenance organization's quality management program. The health maintenance organization shall cooperate with the inspections by making available to the commissioner the records requested by the commissioner, while protecting the confidentiality of enrollee medical records.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-13-7.5 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-7.5
Newly acquired motor vehicle; required coverage
Status: in_force

Sec. 7.5. (a) As used in this section, "motor vehicle insurance" means any type of insurance described in IC 27-1-5-1, Class 2(f).

(b) As used in this section, "newly acquired motor vehicle" means one (1) of the following types of vehicles of which an individual who is insured under a personal lines motor vehicle insurance policy becomes the owner during the policy period:

(1) A private passenger motor vehicle.

(2) A pickup truck or van for which no other insurance policy provides coverage.

(c) If the insured notifies the insurer of the newly acquired motor vehicle within the periods specified in subdivisions (1) and (2), an insurer that issues a motor vehicle insurance policy shall provide at least:

(1) fourteen (14) days of liability coverage; and

(2) if the motor vehicle insurance policy provides physical damage coverage, four (4) days of physical damage coverage that is subject to a deductible of not more than five hundred dollars ($500);

for a newly acquired motor vehicle under the motor vehicle insurance policy, effective on the date the insured becomes the owner.

As added by P.L.276-2013, SEC.11.
Ind. Code § 27-7-2-18 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-18
Exclusion of physical impairment of employees in rate making
Status: in_force

Sec. 18. The physical impairment of employees shall not be taken into account in establishing rates or system of schedule or merit rating.

Formerly: Acts 1935, c.323, s.18.
Ind. Code § 27-10-4-7 — Indiana Code / Title 27 / Article 10 / Chapter 4 / Section 27-10-4-7
Surety bail agent; payment of premium owed
Status: in_force

Sec. 7. (a) Notwithstanding any other law, not later than thirty (30) days after the termination of a surety bail agent's appointment, the surety bail agent shall pay to the former insurer or agent of the insurer to whom the surety bail agent reported on behalf of the former insurer any premium owed.

(b) The commissioner may enforce this section in accordance with IC 27-10-3-9.

As added by P.L.102-2005, SEC.9.
Ind. Code § 27-13-11-1 — Indiana Code / Title 27 / Article 13 / Chapter 11 / Section 27-13-11-1
Permitted investments
Status: in_force

Sec. 1. Except for investments under IC 27-13-4-1(a)(1), the funds of a health maintenance organization or limited service health maintenance organization may be invested only as follows:

(1) The funds of a health maintenance organization or limited service health maintenance organization that is domiciled in Indiana may be invested only in the types of securities and other investments in which investment is authorized under IC 27-1-13-3.

(2) The funds of a foreign corporation (as defined in IC 27-1-2-3) that obtains a certificate of authority to operate a health maintenance organization under IC 27-13-2-3 or a limited service health maintenance organization under IC 27-13-34-9 may be invested only in the types of securities and other investments in which investment is authorized:

(A) under the law of the state in which the foreign corporation is domiciled, if that law is acceptable to the commissioner; or

(B) under IC 27-1-13-3, if the law of the state in which the foreign corporation is domiciled is silent or if the law of that state is not acceptable to the commissioner.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-8-5-1.7 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-1.7
Applicability; filing of information; report
Status: in_force

Sec. 1.7. (a) This section applies to a policy of accident and sickness insurance issued on an individual, a group, a franchise, or a blanket basis, including a policy issued by an assessment company or a fraternal benefit society.

(b) A filer under section 1.5 of this chapter shall file the following information with the commissioner as part of the filing under this chapter:

(1) The change in hospital reimbursement for inpatient and outpatient services from the preceding calendar year.

(2) The impact of the change described in subdivision (1) to policy premiums.

(c) The department shall annually submit a report to:

(1) the general assembly, in an electronic format under IC 5-14-6; and

(2) the governor;

summarizing the information submitted to the department under subsection (b).

As added by P.L.216-2025, SEC.50.
Ind. Code § 27-8-13-20 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-20
Refund of unused premiums
Status: in_force

Sec. 20. (a) All Medicare supplement policies issued for delivery in Indiana after June 30, 1990, must provide for the refund of unused premiums upon the death of the insured during the contract period.

(b) The amount of premium refund shall be prorated from the date following the date of death of the insured to the end of the contract period for which the premium has been paid.

(c) The refund required by this section shall be paid as follows:

(1) If a person other than the insured paid the premium, to that person. A person entitled to a refund under this subdivision must provide proof of payment to the insurer.

(2) If the insured paid the premium, to the surviving spouse of the insured. If there is no surviving spouse, the premium shall be paid in the same manner as distributions of the net estate of a person who dies intestate under IC 29-1-2-1(d).

(d) A person entitled to receive a refund under this section must do the following:

(1) Submit a written request for the refund.

(2) Furnish proof of the insured's death.

As added by P.L.151-1990, SEC.2.
Ind. Code § 27-3-2-3 — Indiana Code / Title 27 / Article 3 / Chapter 2 / Section 27-3-2-3
Subscription rights
Status: repealed

Sec. 3. Every person who is a member of such company on the day of such meeting shall, for thirty (30) days after the opening of subscription books as aforesaid, be entitled to subscribe to that proportionate number of shares of the capital stock, agreed upon to be issued, which the premium note or notes owing by such member and held by such company on unexpired policies, in force on the day of such meeting aforesaid, shall bear to the entire amount of such notes then held by such company, and upon the payment of such subscription, said note or notes shall be canceled and delivered to such members. If at the end of thirty (30) days from the opening of subscription books, the full amount of the capital stock designated has not been subscribed under the provisions of this section, then other subscriptions may be received, to be paid for as the directors of said company may require within eighteen (18) months.

Formerly: Acts 1895, c.158, s.3.
Ind. Code § 27-2-27-11 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-11
"Multi-factor authentication"
Status: in_force

Sec. 11. As used in this chapter, "multi-factor authentication" means authentication through verification of at least two (2) of the following types of authentication factors:

(1) Knowledge factors, such as a password.

(2) Possession factors, such as a token or text message on a mobile phone.

(3) Inherence factors, such as a biometric characteristic.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-16-5-4 — Indiana Code / Title 27 / Article 16 / Chapter 5 / Section 27-16-5-4
Rules for PEO group registration fees
Status: in_force

Sec. 4. The department shall adopt rules under IC 4-22-2 to specify any fee to be charged for a PEO group registration.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-13-6-8 — Indiana Code / Title 27 / Article 13 / Chapter 6 / Section 27-13-6-8
Records of proceedings; confidentiality
Status: in_force

Sec. 8. A health maintenance organization shall:

(1) record the proceedings of formal quality management program activities; and

(2) maintain its documentation of the quality management program in a confidential manner.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-45.2-10 — Indiana Code / Title 27 / Article 1 / Chapter 45.2 / Section 27-1-45.2-10
Notice of request for independent dispute resolution
Status: in_force

Sec. 10. (a) An initiating party that submits a request for independent dispute resolution shall provide written notice to the facility not later than three (3) business days after submitting the request.

(b) The notice required under subsection (a) must, at a minimum, include a copy of the form used by the initiating party to request independent dispute resolution.

(c) An initiating party that fails to provide notice as required under this section is subject to enforcement as follows:

(1) If the initiating party is an out of network provider, the appropriate board (as defined in IC 25-1-9-1) may take action against the provider:

(A) under IC 25-1-9-9(a)(3) or IC 25-1-9-9(a)(4) for an initial or isolated violation of this section; or

(B) under IC 25-1-9-9(a)(6) for repeated or persistent violations of this section.

(2) If the initiating party is a health carrier, the department may enforce this section in accordance with IC 27-1-3-19.

(3) A penalty under subdivision (1)(B) may not exceed five thousand dollars ($5,000) annually.

(d) An enforcement action under subsection (c) does not relieve any party of the obligation to participate in the conference and good faith negotiation required by this chapter.

As added by P.L.119-2026, SEC.1.
Ind. Code § 27-1-37.6-4 — Indiana Code / Title 27 / Article 1 / Chapter 37.6 / Section 27-1-37.6-4
"Electronic medical record"
Status: in_force

Sec. 4. As used in this chapter, "electronic medical record":

(1) means a digital collection of medical information about a person that is stored on a computer, electronic platform, or cloud that is automated or permitted to be accessed; and

(2) includes information about a patient's health history, such as:

(A) diagnoses;

(B) medicines;

(C) tests;

(D) allergies; and

(E) treatment plans.

As added by P.L.203-2023, SEC.19.
Ind. Code § 27-8-13.4-1 — Indiana Code / Title 27 / Article 8 / Chapter 13.4 / Section 27-8-13.4-1
"Accident and sickness insurance policy"
Status: in_force

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

(1) provides one (1) or more of the types of insurance described in IC 27-1-5-1, Class 1(b) and Class 2(a); and

(2) is issued on a group or individual basis.

(b) As used in this chapter, "accident and sickness insurance policy" does not include the following:

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

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

(3) Worker's compensation or similar insurance.

(4) Automobile medical payment insurance.

(5) A specified disease policy.

(6) A short term insurance plan that:

(A) may be renewed for the greater of:

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

(ii) the maximum period permitted under federal law;

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

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

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

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

(B) gaps for deductibles or copayments.

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

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

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

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

As added by P.L.124-2014, SEC.1. Amended by P.L.288-2019, SEC.9.
Ind. Code § 27-9-3-26 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-26
Personal liability relating to improper preferences
Status: in_force

Sec. 26. (a) Every officer, manager, employee, shareholder, member, subscriber, attorney, or any other person acting on behalf of the insurer who knowingly participates in giving any preference when he has reasonable cause to believe the insurer is or is about to become insolvent at the time of the preference is personally liable to the liquidator for the amount of the preference. If the transfer was made within four (4) months before the date of filing a successful petition for liquidation it may be presumed that the person knew of the pending insolvency.

(b) Every person receiving any property from the insurer (or the benefit of any property) as a preference voidable under section 16(a) of this chapter is personally liable for that property and is bound to account to the liquidator.

(c) Nothing in this section shall prejudice any other claim by the liquidator against any person.

As added by Acts 1979, P.L.255, SEC.1. Amended by P.L.1-1991, SEC.168.
Ind. Code § 27-8-3-27 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-27
Legal reserves; compulsory deposits; filing of forms; exceptions
Status: in_force

Sec. 27. (a) Notwithstanding any of the provisions of sections 1 through 26 of this chapter, every corporation or association organized and operating under the provisions of this chapter shall on or before July 1, 1970, comply with the provisions of IC 27-1 relative to the maintenance of legal reserves required on all life insurance and health and accident insurance policies issued in this state, and relative to compulsory deposit of assets by life insurance companies, and relative to filing of forms, with particular reference to but not limited to IC 27-1-12-11 through IC 27-1-12-13, IC 27-1-12.8, IC 27-1-13-8, and IC 27-1-20-1 through IC 27-1-20-11.

(b) Provided, that this section shall not apply to any corporation or association that has prior to July 1, 1970, reorganized and accepted the provisions of IC 27-1, as provided in IC 27-1-11. Nor shall this section apply to any insurance policies issued or sold prior to July 1, 1970, or prior to any such reorganization under IC 27-1, whichever occurs earlier.

(c) Provided, further, that with respect to insurance policies issued by any corporation or association on a pure assessment basis, no premiums having been collected in advance, which corporation or association is incorporated and operating under this chapter as of August 18, 1969, and which has had in force between August 18, 1964, and August 18, 1969, insurance policies covering not less than fifteen thousand (15,000) members, such company or association shall maintain, beginning January 1, 1971, a legal reserve on its life assessment business on the basis of monthly renewable term insurance, and said monthly unearned premium reserve shall be calculated at one dollar and thirty cents ($1.30) per member.

(d) Such legal reserve shall be deposited with the insurance department under compulsory deposit provisions referred to in subsection (a).

Formerly: Acts 1897, c.195, s.26a; Acts 1969, c.236, s.1. As amended by P.L.252-1985, SEC.294; P.L.276-2013, SEC.29.
Ind. Code § 27-16-9-2 — Indiana Code / Title 27 / Article 16 / Chapter 9 / Section 27-16-9-2
Exclusive remedy provisions apply to PEOs, clients, and employees
Status: in_force

Sec. 2. The protection of the exclusive remedy provisions of IC 22-3-2-6 and IC 22-3-7-6 apply to the PEO, the client, and each covered employee and other employee of the client regardless of whether the PEO or the client is responsible to obtain the worker's compensation coverage for the covered employees under the professional employer agreement.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-1-3-4 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-4
Business practices of insurance companies
Status: in_force

Sec. 4. Every insurance company to which this article is applicable:

(1) shall conduct and transact its business in a safe and prudent manner;

(2) shall maintain such company in a safe and solvent condition; and

(3) shall establish and maintain safe and sound methods for the conduct of such insurance company and its business and prudential affairs.

Formerly: Acts 1935, c.162, s.11. As amended by P.L.252-1985, SEC.6.
Ind. Code § 27-13-34-2 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-2
"Evidence of coverage" defined
Status: in_force

Sec. 2. As used in this chapter, "evidence of coverage" means the certificate, agreement, or contract issued under section 13 of this chapter setting forth the coverage to which an enrollee is entitled.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-2-28-11 — Indiana Code / Title 27 / Article 2 / Chapter 28 / Section 27-2-28-11
Voluntary disclosures
Status: in_force

Sec. 11. This chapter does not prohibit an insurer from voluntarily providing the disclosures required by this chapter.

As added by P.L.226-2023, SEC.20.
Ind. Code § 27-1-46.5-8 — Indiana Code / Title 27 / Article 1 / Chapter 46.5 / Section 27-1-46.5-8
"Third party administrator"
Status: in_force

Sec. 8. As used in this chapter, "third party administrator" means an individual or entity that performs administrative services for a direct to employer health care arrangement.

As added by P.L.216-2025, SEC.46.
Ind. Code § 27-8-31-16 — Indiana Code / Title 27 / Article 8 / Chapter 31 / Section 27-8-31-16
Default of compacting state; reinstatement
Status: in_force

Sec. 16. (a) If the commission determines that any compacting state has at any time defaulted in the performance of any of the compacting state's obligations or responsibilities under this compact, the bylaws, or adopted rules or operating procedures, after notice and hearing as set forth in the bylaws, all rights, privileges, and benefits conferred by this compact on the defaulting state shall be suspended from the effective date of default as fixed by the commission. The grounds for default include:

(1) failure of a compacting state to perform its obligations or responsibilities; or

(2) any other grounds designated in commission rules.

The commission shall immediately notify the defaulting state in writing of the defaulting state's suspension pending a cure of the default. The commission shall stipulate the conditions and the period within which the defaulting state must cure the defaulting state's default. If the defaulting state fails to cure the default within the period specified by the commission, the defaulting state shall be terminated and the compact and all rights, privileges, and benefits conferred by this compact shall be terminated on the effective date of termination.

(b) Product approvals by the commission, product self-certifications, or any advertisement in connection with the product that is in force on the effective date of termination shall remain in force in the defaulting state in the same manner as if the defaulting state had withdrawn voluntarily under section 15 of this chapter.

(c) Reinstatement following termination of any compacting state requires a reenactment of the compact.

As added by P.L.138-2005, SEC.3.
Ind. Code § 27-10-2-9 — Indiana Code / Title 27 / Article 10 / Chapter 2 / Section 27-10-2-9
Property bonds; recordings; liens
Status: in_force

Sec. 9. (a) If the undertaking is a property bond, the clerk shall record the same in the proper records of the county. If the undertaking describes property in another county, the clerk of the trial court shall transmit the undertaking to the clerk of such other county, who shall likewise record it and return it to the first mentioned clerk.

(b) The undertaking shall be a lien on any real property described in it, until released in accordance with IC 35-33-8.5.

As added by P.L.261-1985, SEC.1. Amended by P.L.5-1988, SEC.150.
Ind. Code § 27-8-24.3-1 — Indiana Code / Title 27 / Article 8 / Chapter 24.3 / Section 27-8-24.3-1
Applicability of chapter
Status: in_force

Sec. 1. This chapter applies to every:

(1) policy of accident and sickness insurance (as described in IC 27-8-5-1), whether written on an individual basis, a group basis, a franchise basis, a blanket basis, or under a preferred provider plan (as defined in IC 27-8-11-1);

(2) group contract (as defined in IC 27-13-1-16) or individual contract (as defined in IC 27-13-1-21) through which a health maintenance organization furnishes health care services; and

(3) policy of life insurance or disability insurance described under Class 1 of IC 27-1-5-1.

As added by P.L.188-1996, SEC.2.
Ind. Code § 27-13-1-10.5 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-10.5
"Credentialing"
Status: in_force

Sec. 10.5. "Credentialing" means a process through which a health maintenance organization makes a determination:

(1) based on criteria established by the health maintenance organization; and

(2) concerning whether a provider may serve as a participating provider.

As added by P.L.26-2005, SEC.3.
Ind. Code § 27-1-37.5-8.3 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-8.3
"Utilization review entity"
Status: in_force

Sec. 8.3. As used in this chapter, "utilization review entity" means an individual or entity that performs prior authorization for one (1) or more of the following:

(1) An employer who employs a covered individual.

(2) A health plan.

(3) A preferred provider organization.

(4) Any other individual or entity that:

(A) provides;

(B) offers to provide; or

(C) administers;

hospital, outpatient, medical, prescription drug, or other health benefits to a covered individual.

As added by P.L.144-2025, SEC.17.
Ind. Code § 27-13-40-3 — Indiana Code / Title 27 / Article 13 / Chapter 40 / Section 27-13-40-3
Persons to be provided comparison sheets
Status: in_force

Sec. 3. A health maintenance organization shall provide a completed health maintenance organization comparison sheet to the following:

(1) Upon request, to an enrollee or subscriber or to the enrollee's or subscriber's employer.

(2) As part of the health maintenance organization's marketing materials, to a person or an employer that may be interested in purchasing or obtaining coverage under a group contract or individual contract offered by the health maintenance organization.

As added by P.L.69-1998, SEC.18.
Ind. Code § 27-8-5.8-4 — Indiana Code / Title 27 / Article 8 / Chapter 5.8 / Section 27-8-5.8-4
Prescription drug information card
Status: in_force

Sec. 4. (a) This section applies to an insurer that:

(1) issues an accident and sickness insurance policy that provides coverage for prescription drugs or devices; and

(2) issues a card or other technology for claims processing.

This section also applies to a third party administrator for self-insured plans, a pharmacy benefit manager, or a health benefit plan administered by the state if the administrator, manager, or plan issues a card or other technology described in subdivision (2).

(b) The card or other technology issued by an insurer or another entity referred to in subsection (a) must contain uniform prescription drug information that complies with the requirements established under subsection (c).

(c) Prescription drug information cards or other technology must meet either of the following criteria:

(1) Be in a format and contain information fields approved by the National Council for Prescription Drug Programs (NCPDP) as contained in the National Council for Prescription Drug Programs Pharmacy ID Card Implementation Guide in effect on the October 1 most immediately preceding the issuance of the card.

(2) Contain the following information:

(A) The health benefit plan's name.

(B) The insured's name, group number, and identification number.

(C) A telephone number to inquire about pharmacy related issues.

(D) The issuer's international identification number or ANSI BIN number, labeled as RxBIN.

(E) The processor control number, labeled as RxPCN.

(F) The insured's pharmacy benefits group number if different than the medical group number, labeled as RxGRP.

Only those fields listed in clauses (A) through (F) that are required for proper adjudication of the claim must appear on the card. If the card is used to adjudicate non-pharmacy claims, then the designation "Rx" listed in clauses (D) through (F) is not required to be used by the issuer.

(d) An insurer or an insurer's agents, contractors, or administrators, including pharmacy benefits managers, may not be required to issue a prescription drug information card or other technology to a person more than one (1) time during a twelve (12) month period.

(e) The prescription drug information cards or other technology issued under this section may be used for health insurance coverage other than the coverage to which this chapter applies.

As added by P.L.230-2001, SEC.2. Amended by P.L.1-2002, SEC.111.
Ind. Code § 27-8-5-6 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-6
Defenses of insurer; acts not constituting waiver
Status: in_force

Sec. 6. The acknowledgment by any insurer of the receipt of notice given under any policy covered by this chapter, or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim under the policy shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under such policy.

Formerly: Acts 1953, c.15, s.169.6. As amended by P.L.252-1985, SEC.305; P.L.136-2018, SEC.197.
Ind. Code § 27-8-12-7.1 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-7.1
Qualification of long term care policies; rules
Status: in_force

Sec. 7.1. The department of insurance shall adopt rules under IC 4-22-2 that establish standards for the qualification of a long term care policy under IC 12-15-39.6. The rules must include the following:

(1) The standards adopted under section 7 of this chapter.

(2) The requirement that an insurer or other person who issues a qualified long term care policy must at a minimum offer to each policyholder or prospective policyholder a policy that provides both:

(A) long term care facility coverage; and

(B) home and community care coverage.

(3) A provision that an insurer or other person who complies with subdivision (2) may elect to also offer a qualified long term care policy that provides only long term care facility coverage.

(4) The submission of data by insurers that will allow the department of insurance, the office of Medicaid policy and planning, and the bureau of better aging to administer the Indiana long term care program under IC 12-15-39.6.

(5) Other standards needed to administer the Indiana long term care program.

As added by P.L.114-1991, SEC.11. Amended by P.L.9-1991, SEC.94; P.L.2-1992, SEC.786; P.L.4-1993, SEC.260; P.L.5-1993, SEC.273; P.L.75-1994, SEC.10; P.L.24-1997, SEC.64; P.L.141-2006, SEC.109; P.L.122-2026, SEC.111.
Ind. Code § 27-1-3.5-9 — Indiana Code / Title 27 / Article 1 / Chapter 3.5 / Section 27-1-3.5-9
Qualifications of independent auditor
Status: in_force

Sec. 9. (a) For the purposes of this chapter, the commissioner may not recognize as an independent auditor any individual or firm that is not:

(1) a certified public accountant (if an individual) or made up of certified public accountants (if a firm); or

(2) in good standing with:

(A) the American Institute of Certified Public Accountants; and

(B) all of the authorities that license certified public accountants and certified public accounting firms in the states in which the individual or firm is licensed to practice.

(b) A partner or other individual responsible for rendering a report may not act in that capacity for more than five (5) consecutive years. An individual who has been responsible for rendering a report for five (5) years is disqualified from acting in that or a similar capacity for the same company or its insurance subsidiaries or affiliates for five (5) years. A domestic insurer may apply to the commissioner and request to be exempted from the five (5) year rotation requirement on the basis of unusual circumstances. The commissioner may consider the following factors in determining if relief should be granted:

(1) The number of partners, expertise of the partners, or number of insurance clients in the currently registered firm.

(2) The premium volume of the domestic insurer.

(3) The number of jurisdictions in which the domestic insurer transacts business.

(c) The commissioner may not recognize as an independent auditor or accept an annual audited financial report prepared in whole or part by a person who:

(1) has been convicted of fraud, bribery, a violation of the Racketeer Influenced and Corrupt Organizations Act under federal law (18 U.S.C. 1961 through 1968) or state law (IC 35-45-6) or any dishonest conduct or practices under federal or state law;

(2) has been found to have violated the insurance law of this state with respect to any previous reports submitted under this chapter; or

(3) has demonstrated a pattern or practice of failing to detect or disclose material information in previous reports filed under this chapter.

(d) The commissioner shall not recognize as a qualified independent certified public accountant, or accept an annual audited financial report prepared in whole or in part by an accountant that provides to a domestic insurer, contemporaneously with the audit, any of the following nonaudit services:

(1) Bookkeeping or other services related to the accounting records or financial statements of the domestic insurer.

(2) Financial information systems design or implementation.

(3) Appraisal or valuation services, fairness opinions, or contribution-in-kind reports.

(4) Actuarially oriented advisory services involving the determination of amounts recorded in the financial statements. This does not include the following:

(A) The accountant assisting the domestic insurer to understand the methods, assumptions, and inputs used in the determination of amounts recorded in the financial statement if it is reasonable to conclude that the assistance provided is not subject to audit procedures during an audit of the domestic insurer's financial statements.

(B) An accountant's actuary issuing an actuarial opinion or certification concerning the domestic insurer's reserves if the following apply:

(i) The accountant and the accountant's actuary have not performed any management functions or made any management decisions.

(ii) The domestic insurer has competent personnel, or engages a third party actuary, to estimate the reserves for which management takes responsibility.

(iii) The accountant's actuary tests the reasonableness of the reserves after the domestic insurer's management has determined the amount of the reserves.

(5) Internal audit outsourcing services.

(6) Management or human resources functions.

(7) Broker, dealer, investment adviser, or investment banking services.

(8) Legal services or expert services unrelated to the audit.

(9) Any other services that the commissioner determines to be impermissible in rules adopted under IC 4-22-2.

(e) In making a determination under subsection (d), the commissioner shall generally consider whether the accountant's independence has been impaired by any of the following, in which case the commissioner shall not recognize the accountant or accept the annual audited financial report from the accountant:

(1) Functioning in the role of management for the domestic insurer.

(2) Auditing the accountant's own work.

(3) Serving as an advocate for the domestic insurer.

(f) The commissioner may conduct a hearing under IC 4-21.5 to determine whether an independent auditor engaged by a domestic insurer is sufficiently independent of that domestic insurer to be capable of exercising independent judgment and expressing an objective opinion on the financial statements in the annual financial report filed by the insurer under this chapter. If the commissioner determines that the auditor is not sufficiently independent of the insurer, the commissioner shall require the insurer to replace the auditor with another that is sufficiently independent of the insurer.

As added by P.L.244-1989, SEC.2. Amended by P.L.251-1995, SEC.9; P.L.11-2011, SEC.6; P.L.146-2015, SEC.14.
Ind. Code § 27-8-12-8 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-8
Loss ratio standards rule
Status: in_force

Sec. 8. The insurance commissioner may not adopt a rule establishing loss ratio standards that apply to long term care insurance policies unless the rule exclusively concerns long term care insurance.

As added by P.L.275-1987, SEC.1.
Ind. Code § 27-13-15-5 — Indiana Code / Title 27 / Article 13 / Chapter 15 / Section 27-13-15-5
Coverage for dialysis treatment
Status: in_force

Sec. 5. (a) Notwithstanding IC 27-13-1-12, as used in this section, "enrollee" refers only to an enrollee who requires dialysis treatment.

(b) As used in this section, "health maintenance organization" includes the following:

(1) A limited service health maintenance organization.

(2) An agent of a health maintenance organization or a limited service health maintenance organization.

(c) A health maintenance organization shall not require an enrollee, as a condition of coverage or reimbursement, to:

(1) if the nearest dialysis facility is located within thirty (30) miles of the enrollee's home, travel more than thirty (30) miles from the enrollee's home to obtain dialysis treatment; or

(2) if the nearest dialysis facility is located more than thirty (30) miles from the enrollee's home, travel a greater distance than the distance to the nearest dialysis facility to obtain dialysis treatment;

regardless of whether the enrollee chooses to receive dialysis treatment at a dialysis facility that is a participating provider or a dialysis facility that is not a participating provider.

As added by P.L.111-2008, SEC.6.
Ind. Code § 27-8-8-6.2 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-6.2
Member protesting assessment
Status: in_force

Sec. 6.2. (a) A member insurer that wishes to protest all or part of an assessment made under section 6 of this chapter shall pay when due the full amount of the assessment as set forth in the notice provided by the association. The payment is available to meet association obligations during the pendency of the protest or a subsequent appeal. Payment must be accompanied by a statement in writing that the payment is made under protest and set forth a brief statement of the grounds for the protest.

(b) Not more than sixty (60) days after the payment of an assessment under protest by a member insurer, the association shall notify the member insurer in writing of the association's determination with respect to the protest (unless the association notifies the member insurer that additional time is required to resolve the issues raised by the protest).

(c) Not more than sixty (60) days after receipt of notice of the association's determination with respect to a protest, the protesting member insurer may appeal the determination to the commissioner.

(d) Instead of making a determination with respect to a protest based on a question regarding the assessment base, the association may refer the protest to the commissioner for a determination, with or without a recommendation from the association.

(e) If a protest of an assessment is upheld, the amount paid by the protesting member insurer in error or excess must be returned to the member insurer. Interest on a refund due to a protesting member insurer must be paid at the rate actually earned by the association.

As added by P.L.193-2006, SEC.19.
Ind. Code § 27-1-17-5 — Indiana Code / Title 27 / Article 1 / Chapter 17 / Section 27-1-17-5
Capital and surplus or surplus of assets over liabilities; investment of surplus
Status: in_force

Sec. 5. (a) Every foreign insurance company authorized to do business in this state shall have, in the case of a stock company, at least the capital and surplus required of a domestic insurance company which makes the same kind or kinds of insurance.

(b) Every foreign insurance company authorized to do business in this state shall have, in the case of other than a stock company, at least the assets with a surplus of assets over all liabilities required of a domestic insurance company which makes the same kind or kinds of insurance, and an additional contingent liability of its policyholders equal to not less than the cash premium expressed in the policies in force, if such contingent liability is required of a like domestic insurance company.

(c) Every alien insurance company authorized to do business in this state shall have the surplus of assets invested according to the laws of the state in the United States, wherein it has its deposit, held in the United States in trust for the benefit and security of all its policyholders and creditors in the United States, over all its liabilities in the United States, of an amount equal to the surplus of assets required of a like domestic insurance company.

Formerly: Acts 1935, c.162, s.230.
Ind. Code § 27-1-12-22 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-22
Impairment of assets or capital; notice of time for restoration; suspension of right to issue new policies
Status: in_force

Sec. 22. If it appears to the department from an examination made by it or by an examiner appointed by it, that the assets of any domestic life insurance company are insufficient to justify its continuance in business or that its capital is impaired the department shall notify such company, setting a time, within the discretion of the commissioner, by which such impairment of assets or of its capital shall be restored and further notifying such company to issue no new policies until its assets have become equal to its liabilities, or its capital has been restored unimpaired.

Formerly: Acts 1935, c.162, s.161.
Ind. Code § 27-7-1-11 — Indiana Code / Title 27 / Article 7 / Chapter 1 / Section 27-7-1-11
Revocation of certificate of authority; grounds
Status: in_force

Sec. 11. The certificate of authority of any such Lloyds, whether domestic or foreign, shall be revoked by the insurance commissioner if at any time it appears that any underwriters are issuing policies of insurance within the state under apparent authority of such certificate without filing such declaration and agreement as aforesaid, or if such Lloyds does not maintain at all times the funds specified in this chapter, or has violated its agreement or the law, or is found to be in such a condition that the further transaction of business by it will be hazardous to the policyholders, its creditors, or the public.

Formerly: Acts 1919, c.177, s.11. As amended by P.L.252-1985, SEC.226.
Ind. Code § 27-1-37.6-2 — Indiana Code / Title 27 / Article 1 / Chapter 37.6 / Section 27-1-37.6-2
"Capitated rate reimbursement arrangement"
Status: in_force

Sec. 2. As used in this chapter, "capitated rate reimbursement arrangement" means a fixed amount of money per patient per unit of time paid in advance to the health care provider for the delivery of health care services.

As added by P.L.203-2023, SEC.19.
Ind. Code § 27-1-15.7-0.1 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-0.1
Application of certain amendments to chapter
Status: in_force

Sec. 0.1. The amendments made to section 2 of this chapter by P.L.60-2005 apply to renewal of an insurance producer license after June 30, 2005.

As added by P.L.220-2011, SEC.424.
Ind. Code § 27-1-3.5-6.2 — Indiana Code / Title 27 / Article 1 / Chapter 3.5 / Section 27-1-3.5-6.2
Filing of financial statements by domestic stock insurer
Status: in_force

Sec. 6.2. (a) As used in this section, "domestic stock insurer" means a person that:

(1) provides coverage under a health plan (as defined in IC 27-1-48-4);

(2) is organized under the insurance laws of this state; and

(3) is a publicly traded stock corporation.

(b) A domestic stock insurer shall file the following with the department:

(1) Not later than March 1 of each calendar year, the domestic stock insurer's annual financial statement from the previous calendar year.

(2) Not later than May 15 of each calendar year, the domestic stock insurer's first quarter financial statement from the current calendar year.

(3) Not later than August 15 of each calendar year, the domestic stock insurer's second quarter financial statement from the current calendar year.

(4) Not later than November 15 of each calendar year, the domestic stock insurer's third quarter financial statement from the current calendar year.

(c) The department must post the information filed under subsection (b) on the department's website on a single and easily accessible web page not later than ten (10) business days after receiving the information.

As added by P.L.190-2023, SEC.12.
Ind. Code § 27-10-3-4 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-4
Examination; fees; fingerprints and photographs
Status: in_force

Sec. 4. (a) A license fee of six hundred fifty dollars ($650) and an examination fee of one hundred dollars ($100) must be submitted to the commissioner with each application for the issuance of a bail agent's license.

(b) An applicant for a bail agent's license must also furnish with the application a complete set of the applicant's fingerprints and a recent credential-size full face photograph of the applicant. The applicant's fingerprints must be certified by an authorized law enforcement officer.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.15.
Ind. Code § 27-8-8-8 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-8
Powers and duties of commissioner; appeals to commissioner; notice of effect of chapter
Status: in_force

Sec. 8. (a) The commissioner shall do the following:

(1) Upon request of the board, provide the association with a statement of the premiums in Indiana and other appropriate states for each member insurer.

(2) When an impairment is declared and the amount of the impairment is determined, serve a demand on the impaired insurer to make good the impairment within a reasonable time. Notice to the impaired insurer shall constitute notice to its shareholders. The failure of the impaired insurer to promptly comply with the demand shall not excuse the association from the performance of its powers and duties under this chapter.

(3) In any liquidation or rehabilitation proceeding involving a domestic insurer, be appointed as the liquidator or rehabilitator.

(b) The commissioner may suspend or revoke, after notice and hearing, the certificate of authority to transact insurance in Indiana of a member insurer that fails to pay an assessment when due or fails to comply with the plan of operation. As an alternative, the commissioner may levy a forfeiture on a member insurer that fails to pay an assessment when due. A forfeiture shall not exceed five percent (5%) of the unpaid assessment per month, but no forfeiture shall be less than one hundred dollars ($100) per month.

(c) A final action of the association or the board may be appealed to the commissioner by a member insurer if the appeal is taken within sixty (60) days of the member insurer's receipt of notice of the final action being appealed. A final action or order of the commissioner is subject to judicial review in a court with jurisdiction in accordance with the Indiana law that applies to the actions or orders of the commissioner.

(d) The liquidator, rehabilitator, or conservator of an impaired insurer or insolvent insurer may notify all interested persons of the effect of this chapter.

As added by Acts 1978, P.L.129, SEC.3. Amended by P.L.193-2006, SEC.22; P.L.208-2018, SEC.20.
Ind. Code § 27-14.5-6-4 — Indiana Code / Title 27 / Article 14.5 / Chapter 6 / Section 27-14.5-6-4
Severability
Status: in_force

Sec. 4. The provisions of this article are severable in the manner provided in IC 1-1-1-8(b).

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-41-8 — Indiana Code / Title 27 / Article 1 / Chapter 41 / Section 27-1-41-8
Premium payment
Status: in_force

Sec. 8. (a) A group administrator may, if authorized by the insurer, aggregate the group members' premiums and remit the premiums to the insurer or insurance producer.

(b) If an insurer authorizes payment of premiums as described in subsection (a), payment of a premium by a group member to the group administrator is considered to be payment to the insurer.

(c) An employer or group administrator of a group described in section 2(2) of this chapter may remit premiums to an insurer through an employee benefit plan.

As added by P.L.32-2012, SEC.2.
Ind. Code § 27-1-46-4 — Indiana Code / Title 27 / Article 1 / Chapter 46 / Section 27-1-46-4
"In network"
Status: in_force

Sec. 4. As used in this chapter, "in network", when used in reference to a provider, means that the health care services provided by the provider are subject to a health carrier's network plan.

As added by P.L.93-2020, SEC.12.
Ind. Code § 27-9-3-14 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-14
Transfers made or obligations incurred as fraudulent
Status: in_force

Sec. 14. (a) Every transfer made, or suffered, and every obligation incurred by an insurer within one (1) year before the filing of a successful petition for rehabilitation or liquidation under IC 27-9 is fraudulent as to then existing and future creditors if made or incurred without fair consideration, or with actual intent to hinder, delay, or defraud either existing or future creditors.

(b) A transfer made or an obligation incurred by an insurer ordered to be rehabilitated or liquidated under IC 27-9, which is fraudulent under this section, may be avoided by the receiver, except:

(1) as to a person who in good faith is a purchaser, lienor, or obligee for a present fair equivalent value; and

(2) that any purchaser, lienor, or obligee, who in good faith has given a consideration less than fair for such transfer, lien, or obligation, may retain the property, lien, or obligation as security for repayment.

The court may, on due notice, order any transfer or obligation to be preserved for the benefit of the estate, and in that event, the receiver shall succeed to and may enforce the rights of the purchaser, lienor, or obligee.

(c) A transfer of property, other than real property, is made or suffered when it becomes so far perfected that no subsequent lien obtainable by legal or equitable proceedings on a simple contract could become superior to the rights of the transferee under section 18 of this chapter.

(d) A transfer of real property is made or suffered when it becomes so far perfected that no subsequent bona fide purchaser from the insurer could obtain rights superior to the rights of the transferee.

(e) A transfer that creates an equitable lien is not perfected if there are available means by which a legal lien could be created.

(f) Any transfer not perfected before the filing of a petition for liquidation shall be treated as if it were made immediately before the filing of the successful petition.

(g) The provisions of subsections (b) through (f) apply whether or not there are or were creditors who might have obtained any liens or persons who might have become bona fide purchasers.

(h) Any transaction of the insurer with a reinsurer is fraudulent and may be avoided by the receiver under section 13 of this chapter if:

(1) the transaction consists of the termination, adjustment, or settlement of a reinsurance contract in which the reinsurer is released from any part of its duty to pay the originally specified share of losses that had occurred before the time of the transaction, unless the reinsurer gives a present fair equivalent value for the release; and

(2) any part of the transaction took place within one (1) year before the date of filing of the petition through which the receivership was commenced.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-6-9-26 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-26
Rules for implementation and administration of chapter
Status: in_force

Sec. 26. The commissioner may adopt rules under IC 4-22-2 for the implementation and administration of this chapter.

As added by P.L.26-1991, SEC.26.
Ind. Code § 27-13-12-3 — Indiana Code / Title 27 / Article 13 / Chapter 12 / Section 27-13-12-3
Maintenance of minimum net worth
Status: in_force

Sec. 3. Except as provided in sections 4 and 5 of this chapter, a health maintenance organization shall maintain a minimum net worth equal to the greater of:

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

(2) based on annual premium revenues as reported on the most recent annual financial statement filed with the commissioner, the total of two percent (2%) of annual premium revenues on the first one hundred fifty million dollars ($150,000,000) of premium and one percent (1%) of annual premium on the premium in excess of one hundred fifty million dollars ($150,000,000);

(3) an amount equal to the sum of three (3) months of uncovered health care expenditures, as reported on the most recent financial statement of the health maintenance organization filed with the commissioner under IC 27-13-8-2(a)(1); or

(4) an amount equal to the sum of:

(A) eight percent (8%) of annual health care expenditures except those paid on a capitated basis or managed hospital payment basis as reported on the most recent financial statement filed with the commissioner; and

(B) four percent (4%) of annual hospital expenditures paid on a managed hospital payment basis as reported on the most recent financial statement filed with the commissioner.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-29.1-23 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-23
Authorized actions of commissioner; fund
Status: in_force

Sec. 23. (a) Upon a determination by the commissioner that:

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

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

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

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

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

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

(3) Cease operation of the fund.

(4) Distribute the balance in the fund, including the reserve account created under section 8 of this chapter, to former members of the fund, distributing to each former member of the fund an amount proportional to the total of assessments paid under section 22 of this chapter by the former member, regardless of when the former member withdrew from the fund.

As added by P.L.46-2023, SEC.4.
Ind. Code § 27-11-1-10 — Indiana Code / Title 27 / Article 11 / Chapter 1 / Section 27-11-1-10
"Rules" defined
Status: in_force

Sec. 10. "Rules" means all rules, regulations, or resolutions adopted by the supreme governing body or board of directors that are intended to have general application to the members of the society.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-1-22-24 — Indiana Code / Title 27 / Article 1 / Chapter 22 / Section 27-1-22-24
Suspension or revocation of licenses
Status: repealed

Sec. 24. (a) The commissioner may suspend the license of any rating organization or insurer which fails to comply with an order of the commissioner or department within the time limited by such order, or any extension thereof which the commissioner may grant. The commissioner shall not suspend the license of any rating organization or insurer for failure to comply with an order until the time prescribed for an appeal therefrom has expired or if an appeal has been taken, until such order has been affirmed. The commissioner may determine when a suspension of license shall become effective and it shall remain in effect for the period fixed by him, unless he modifies or rescinds such suspension, or until the order upon which such suspension is based is modified, rescinded or reversed. No license shall be suspended or revoked except upon a written order of the commissioner, stating his findings, made after a hearing is held upon not less than fifteen (15) days' written notice to the person specifying the alleged violation.

(b) A person who violates this chapter commits a Class A misdemeanor.

Formerly: Acts 1967, c.133, s.24. As amended by Acts 1978, P.L.2, SEC.2715.
Ind. Code § 27-1-37.7-3 — Indiana Code / Title 27 / Article 1 / Chapter 37.7 / Section 27-1-37.7-3
"Prior authorization"
Status: in_force

Sec. 3. As used in this chapter, "prior authorization" has the meaning set forth in IC 27-1-37.5-7.

As added by P.L.215-2025, SEC.53.
Ind. Code § 27-2-10-6 — Indiana Code / Title 27 / Article 2 / Chapter 10 / Section 27-2-10-6
"Equity security" defined
Status: in_force

Sec. 6. The term "equity security", when used in this chapter, means any stock or similar security, or any security convertible, with or without consideration, into such a security, or carrying any warrant or right to subscribe to or purchase such a security, or any such warrant or right, or any other security which the insurance commissioner shall deem to be of similar nature and consider necessary or appropriate, by such rules as he may prescribe in the public interest or for the protection of investors, to treat as an equity security.

Formerly: Acts 1965, c.5, s.6. As amended by P.L.252-1985, SEC.134.
Ind. Code § 27-2-30-5 — Indiana Code / Title 27 / Article 2 / Chapter 30 / Section 27-2-30-5
"Property and casualty insurance"
Status: in_force

Sec. 5. 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.

As added by P.L.61-2026, SEC.1.
Ind. Code § 27-1-12.1-10 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-10
Investment of organizing domestic life insurance company
Status: in_force

Sec. 10. An organizing domestic life insurance company may invest funds from the organizing domestic life insurance company's surplus in a limited purpose subsidiary that is organized by the organizing domestic life insurance company.

As added by P.L.11-2011, SEC.7.
Ind. Code § 27-15-5-2 — Indiana Code / Title 27 / Article 15 / Chapter 5 / Section 27-15-5-2
Time of meeting
Status: in_force

Sec. 2. The meeting of members shall be held not later than ninety (90) days after the later of:

(1) the issuance of the commissioner's order approving the conversion; or

(2) the final resolution of an appeal of that decision under this article.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-19-4-14 — Indiana Code / Title 27 / Article 19 / Chapter 4 / Section 27-19-4-14
Insurance producer acting as navigator
Status: in_force

Sec. 14. (a) An insurance producer or insurance consultant:

(1) may not act as a navigator unless the insurance producer or insurance consultant has completed the continuing education requirements that apply to a navigator; and

(2) shall receive a designation from the commissioner as a navigator upon completion of the continuing education requirements;

under this chapter.

(b) The commissioner may require an insurance producer or insurance consultant to complete specific continuing education requirements, as prescribed by the commissioner in consultation with the secretary, as a prerequisite to the authority to perform specific functions with respect to a health benefit exchange.

(c) An insurance producer or insurance consultant is not required to complete continuing education hours of credit in excess of the required number of hours of credit in continuing education that apply to the insurance producer or insurance consultant under IC 27-1-15.7.

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-8-28-5 — Indiana Code / Title 27 / Article 8 / Chapter 28 / Section 27-8-28-5
"External grievance"
Status: in_force

Sec. 5. As used in this chapter, "external grievance" means the independent review under IC 27-8-29 of a grievance filed under this chapter.

As added by P.L.66-2001, SEC.2 and P.L.203-2001, SEC.13.
Ind. Code § 27-7-2-9 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-9
Charges and expenses of bureau; apportionment; review
Status: in_force

Sec. 9. The charges and expenses incident to the establishment and operation of the bureau shall be borne equitably and without discrimination among the members of the bureau. If any member is aggrieved by an apportionment of the cost or costs made by the bureau or by failure of the bureau to make such equitable apportionment, it may in writing petition the commissioner for a review of such apportionment or failure to act. The commissioner shall upon not less than five (5) days' notice to each member hold a hearing upon such petition at which time all members shall be entitled to be heard. And said commissioner shall determine the matter or matters and mail a copy of his decision to each member of the bureau. The decision of the commissioner shall be final.

Formerly: Acts 1935, c.323, s.9.
Ind. Code § 27-7-2-15 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-15
Approval of system of schedule rating
Status: in_force

Sec. 15. The department shall after consultation with members of the bureau and after investigation approve a system of schedule rating for use in this state. Only the system filed by the bureau and approved by the department may be used in Indiana.

Formerly: Acts 1935, c.323, s.15. As amended by P.L.249-1989, SEC.7.
Ind. Code § 27-1-13-5 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-5
Insured loans and investments
Status: in_force

Sec. 5. (a) Subject to such rules as the department finds to be necessary and proper, any insurance company other than one organized as a life insurance company organized under the provisions of this article or any other law of this state and authorized to make any or all of the kinds of insurance described in Class 2 or Class 3 of IC 27-1-5-1 shall have the following powers:

(1) To make such loans and advances of credit and purchase of obligations representing loans and advances of credit as are eligible for insurance by the federal housing administrator, and to obtain such insurance.

(2) To make such loans secured by mortgages on real property or leasehold, as the federal housing administrator insures or makes a commitment to insure, and to obtain such insurance.

(3) To purchase, invest its capital and other funds in, and dispose of, notes or bonds secured by deed of trusts or mortgage insured by the federal housing administrator or debentures issued by the federal housing administrator, or bonds or other securities issued by national mortgage associations.

(b) No law of this state prescribing the nature, amount, or form of security or requiring security upon which loans or advances of credits may be made, or prescribing or limiting interest rates upon loans or advances of credit, or prescribing or limiting the period for which loans or advances of credit may be made shall be deemed to apply to loans, advances of credit, or purchases made pursuant to subsections (a)(1) and (a)(2).

(c) Any rule made and promulgated under and pursuant to this section may apply to one (1) or more of the insurance companies to which this section is applicable.

Formerly: Acts 1935, c.162, s.173; Acts 1937, c.288, s.4. As amended by P.L.252-1985, SEC.68.
Ind. Code § 27-1-36-48 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-48
Chapter supplements other Indiana law
Status: in_force

Sec. 48. This chapter is supplemental to other provisions of Indiana law and does not preclude or limit any other powers or duties of the commissioner under other provisions of Indiana law, including IC 27-9.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-1-36-8 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-8
"Domestic insurer"
Status: in_force

Sec. 8. As used in this chapter, "domestic insurer" means any:

(1) insurance company;

(2) health maintenance organization;

(3) limited service health maintenance organization; or

(4) fraternal benefit society;

that is domiciled in Indiana.

As added by P.L.186-1996, SEC.1. Amended by P.L.51-2002, SEC.2; P.L.276-2013, SEC.17.
Ind. Code § 27-9-3-25 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-25
Payment to attorney for services
Status: in_force

Sec. 25. If an insurer shall, directly or indirectly:

(1) within four (4) months before the filing of a successful petition for liquidation under IC 27-9; or

(2) at any time in contemplation of a proceeding to liquidate it;

pay money or transfer property to an attorney for services, the transaction may be examined by the court on its own motion or shall be examined by the court on petition of the liquidator and shall be held valid only to the extent of a reasonable amount to be determined by the court. The excess may be recovered by the liquidator for the benefit of the estate. However, where the attorney is in a position of influence in the insurer or an affiliate of the insurer payment of any money or the transfer of any property to the attorney for services is governed by section 16(b)(4) of this chapter.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-8-14.3-10 — Indiana Code / Title 27 / Article 8 / Chapter 14.3 / Section 27-8-14.3-10
Coverage for biomarker testing
Status: in_force

Sec. 10. (a) A health plan shall provide coverage for biomarker testing for the purposes of diagnosis, treatment, appropriate management, or ongoing monitoring of an enrollee's disease or condition when biomarker testing is supported by medical and scientific evidence, including:

(1) labeled indications for a test approved or cleared by the United States Food and Drug Administration;

(2) indicated tests for a drug approved by the United States Food and Drug Administration;

(3) a warning or precaution on the label of a drug approved by the United States Food and Drug Administration;

(4) a national coverage determination of the Centers for Medicare and Medicaid Services (CMS);

(5) a local coverage determination of a Medicare administrative contractor; or

(6) nationally recognized clinical practice guidelines or consensus statements.

(b) The coverage required by this section must be provided in a manner that limits disruptions in care, including the need for multiple biopsies or biospecimen samples.

(c) Nothing in this section shall be construed to require coverage of biomarker testing for screening purposes.

(d) If a prior authorization requirement applies to biomarker testing under a health plan, the health plan or a third party acting on behalf of the health plan must:

(1) approve or deny a request for prior authorization for biomarker testing; and

(2) notify the covered individual and any person requesting prior authorization of the biomarker testing on behalf of the covered individual;

in not more than five (5) business days after the request in the case of a nonurgent request or in not more than forty-eight (48) hours after the request in the case of an urgent request.

(e) A health plan shall ensure that a covered individual and the practitioner who prescribes biomarker testing for the covered individual have access to a clear, readily accessible, and convenient process for requesting an exception to:

(1) a coverage policy; or

(2) a prior authorization determination;

of the health plan that is adverse to the coverage of biomarker testing for the covered individual. The process required by this subsection shall be made readily accessible on the health plan's website.

As added by P.L.37-2024, SEC.2.
Ind. Code § 27-16-3-2 — Indiana Code / Title 27 / Article 16 / Chapter 3 / Section 27-16-3-2
Effect on duties
Status: in_force

Sec. 2. This article and a professional employer agreement do not do the following:

(1) Diminish, abolish, or remove the obligations of a client to a covered employee that exist before the effective date of the professional employer agreement.

(2) Affect, modify, or amend a contractual relationship or restrictive covenant:

(A) between a covered employee and a client that is in effect on the effective date of the professional employer agreement; or

(B) that is entered into between a client and a covered employee after the effective date of the professional employer agreement.

A PEO is not responsible or liable for a dispute in connection with or arising out of a contractual relationship or restrictive covenant described in this subdivision unless the PEO has otherwise specifically agreed in writing.

(3) Create a new or additional enforceable right of a covered employee against a PEO that is not specifically provided by the professional employer agreement or this article.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-19-2-17 — Indiana Code / Title 27 / Article 19 / Chapter 2 / Section 27-19-2-17
"Secretary"
Status: in_force

Sec. 17. "Secretary" refers to the secretary of family and social services appointed under IC 12-8-1.5-2.

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-6-8-11 — Indiana Code / Title 27 / Article 6 / Chapter 8 / Section 27-6-8-11
Nonduplication of recovery
Status: in_force

Sec. 11. (a) For purposes of this section, "coverage provided by any other insurance policy" includes:

(1) coverage under an insured health plan, a health maintenance organization, a hospital plan corporation, a professional health service corporation, or a disability insurance policy; and

(2) any amount payable by or on behalf of a self-insurer.

However, the term does not include coverage under a life insurance policy.

(b) Any person having a claim against an insurer shall, in accordance with subsection (c), be required first to exhaust all coverage provided by any other insurance policy, including the right to a defense under the other insurance policy, if the claim under the other insurance policy arises from the same facts, injury, or loss that gave rise to the covered claim against the association under this chapter.

(c) The requirement to exhaust coverage provided by any other insurance policy under subsection (b):

(1) applies regardless of whether the other insurance policy is written by a member insurer; and

(2) does not apply to a right under a:

(A) policy written by an insolvent insurer; or

(B) life insurance policy.

(d) Any person having a claim which may be recovered under more than one (1) insurance guaranty association or its equivalent shall seek recovery first from the association of the place of residence of the insured except that if it is a first party claim for damage to property with a permanent location, the person shall seek recovery first from the association of the location of the property, and if it is a worker's compensation claim, the person shall seek recovery first from the association of the residence of the claimant. Any recovery under this chapter shall be reduced by the amount of recovery from any other insurance guaranty association or its equivalent.

Formerly: Acts 1971, P.L.390, SEC.1. As amended by P.L.28-1988, SEC.84; P.L.52-2013, SEC.7.
Ind. Code § 27-13-1-6 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-6
"Carrier"
Status: in_force

Sec. 6. "Carrier" refers to any of the following:

(1) A health maintenance organization.

(2) An insurer licensed in Indiana to write Class 1(B) or Class 2(A) lines of insurance.

(3) Any other entity responsible for the payment of benefits or provision of services under a group contract.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-2-25.5-3 — Indiana Code / Title 27 / Article 2 / Chapter 25.5 / Section 27-2-25.5-3
Plan sponsor's ownership of claims data
Status: in_force

Sec. 3. (a) This section applies to a contract entered into, issued, amended, or renewed after June 30, 2024.

(b) A contract:

(1) between a:

(A) third party administrator; and

(B) plan sponsor;

(2) between a:

(A) prepaid health care delivery plan under IC 5-10-8-7(c) to provide group health coverage for state employees; and

(B) plan sponsor; or

(3) between:

(A) a pharmacy benefit manager (as defined in IC 27-1-24.5-12); and

(B) either a:

(i) plan sponsor; or

(ii) third party administrator for the administration of a self-funded health benefit plan on behalf of the plan sponsor;

must provide that the plan sponsor owns the claims data relating to the contract.

(c) Any claims data provided under this section must be provided in accordance with the federal Health Insurance Portability and Accountability Act (HIPAA) (P.L. 104-191).

As added by P.L.152-2024, SEC.15. Amended by P.L.215-2025, SEC.61.
Ind. Code § 27-7-15-5 — Indiana Code / Title 27 / Article 7 / Chapter 15 / Section 27-7-15-5
"Non-trucking liability insurance"
Status: in_force

Sec. 5. As used in this chapter, "non-trucking liability insurance" means insurance that provides third party liability coverage for property damage or bodily injury caused by the operation of a for hire motor carrier truck for purposes other than for hire motor carrier truck purposes.

As added by P.L.146-2015, SEC.32.
Ind. Code § 27-7-5.1-3 — Indiana Code / Title 27 / Article 7 / Chapter 5.1 / Section 27-7-5.1-3
"Noneconomic damages"
Status: in_force

Sec. 3. (a) As used in this chapter, "noneconomic damages" means costs for the following:

(1) Physical and emotional pain and suffering.

(2) Physical impairment.

(3) Emotional distress.

(4) Mental anguish.

(5) Loss of enjoyment.

(6) Loss of companionship, services, and consortium.

(7) Any other nonpecuniary loss proximately caused by a motor vehicle accident.

(b) The term does not include costs for the following:

(1) Treatment and rehabilitation.

(2) Medical expenses.

(3) Loss of economic or educational potential.

(4) Loss of productivity.

(5) Absenteeism.

(6) Support expenses.

(7) Accidents or injury.

(8) Any other pecuniary loss proximately caused by a motor vehicle accident.

As added by P.L.136-2015, SEC.1.
Ind. Code § 27-3-2-2 — Indiana Code / Title 27 / Article 3 / Chapter 2 / Section 27-3-2-2
Notice of meeting; vote of members
Status: in_force

Sec. 2. Before issuing any stock as provided in section 1 of this chapter, such company shall, at least four (4) weeks before the meeting provided for in this chapter, cause a printed notice of the time, place, and purpose of such meeting to be mailed to each of its members, and shall cause public notice to be given by publication thereof, at least once a week, for four (4) weeks, in a newspaper of general circulation in the county wherein is located the principal office of said company, that the proposal to issue stock in pursuance of this act, will be submitted to the members of such company at a meeting to be held at a time and place to be named in such notice. If, after due mailing and publication of such notice, two-thirds (2/3) of all the members (present at such meeting), either in person or by proxy, shall vote in favor of a proposal to issue stock as aforesaid, then the authority conferred by section 1 of this chapter, shall take effect, and subscription books may be opened.

Formerly: Acts 1895, c.158, s.2. As amended by P.L.252-1985, SEC.143.
Ind. Code § 27-13-10-6 — Indiana Code / Title 27 / Article 13 / Chapter 10 / Section 27-13-10-6
Filing; procedures; representative
Status: in_force

Sec. 6. (a) A health maintenance organization shall establish procedures to assist enrollees and subscribers in filing grievances.

(b) An enrollee or subscriber may designate a representative to file a grievance for the enrollee or subscriber and to represent the enrollee or subscriber in a grievance under this chapter.

As added by P.L.191-1997, SEC.8.
Ind. Code § 27-1-7.5-7 — Indiana Code / Title 27 / Article 1 / Chapter 7.5 / Section 27-1-7.5-7
"Proceeding" defined
Status: in_force

Sec. 7. As used in this chapter, "proceeding" means any threatened, pending, or completed action, suit, or proceeding, whether civil, criminal, administrative, or investigative and whether formal or informal.

As added by P.L.266-1987, SEC.6.
Ind. Code § 27-13-2-2 — Indiana Code / Title 27 / Article 13 / Chapter 2 / Section 27-13-2-2
Certificate of authority required
Status: in_force

Sec. 2. (a) A person may not establish or operate a health maintenance organization without obtaining a certificate of authority under this article.

(b) If a participating provider contracts with another provider under a contract that complies with IC 27-13-15 to provide health services on a prepaid basis to enrollees of a health maintenance organization that holds a certificate of authority, neither provider, with respect to the contract is:

(1) considered to be engaged in the business of insurance; or

(2) required to obtain a certificate of authority under this article.

As added by P.L.26-1994, SEC.25. Amended by P.L.195-1996, SEC.3.
Ind. Code § 27-1-43-5 — Indiana Code / Title 27 / Article 1 / Chapter 43 / Section 27-1-43-5
Withdrawal of consent to electronic delivery
Status: in_force

Sec. 5. (a) A withdrawal of consent by a party does not affect the legal effectiveness, validity, or enforceability of a notice or document that is electronically delivered to the party before the withdrawal of consent is effective.

(b) A withdrawal of consent by a party is effective thirty (30) days after the insurer receives notice of the withdrawal.

(c) An insurer's failure to comply with section 3(d)(4) of this chapter is, at the election of the party, considered to be a withdrawal of the party's consent under this chapter.

As added by P.L.119-2014, SEC.1. Amended by P.L.196-2021, SEC.31.
Ind. Code § 27-1-23-10 — Indiana Code / Title 27 / Article 1 / Chapter 23 / Section 27-1-23-10
Seizure of property of domestic insurer
Status: in_force

Sec. 10. Whenever it appears to the commissioner that any person has committed a violation of this chapter which so impairs the financial condition of a domestic insurer as to threaten insolvency or make the further transaction of business by it hazardous to its policyholders or the public, the commissioner may proceed as provided in the insurance laws of this state to take possession of the property of such domestic insurer and to conduct the business thereof. A determination made under this section must be accompanied by specific findings of fact and conclusions of law.

Formerly: Acts 1971, P.L.387, SEC.1. As amended by Acts 1981, P.L.244, SEC.9; P.L.26-1991, SEC.16.
Ind. Code § 27-13-7-20.2 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-20.2
Coverage for care related to cancer clinical trials
Status: in_force

Sec. 20.2. (a) As used in this section, "care method" means the use of a particular drug or device in a particular manner.

(b) As used in this section, "clinical trial" means a Phase I, II, III, or IV research study:

(1) that is conducted:

(A) using a particular care method to prevent, diagnose, or treat a cancer for which:

(i) there is no clearly superior, noninvestigational alternative care method; and

(ii) available clinical or preclinical data provides a reasonable basis from which to believe that the care method used in the research study is at least as effective as any noninvestigational alternative care method;

(B) in a facility where personnel providing the care method to be followed in the research study have:

(i) received training in providing the care method;

(ii) expertise in providing the type of care required for the research study; and

(iii) experience providing the type of care required for the research study to a sufficient volume of patients to maintain expertise; and

(C) to scientifically determine the best care method to prevent, diagnose, or treat the cancer; and

(2) that is approved or funded by one (1) of the following:

(A) A National Institutes of Health institute.

(B) A cooperative group of research facilities that has an established peer review program that is approved by a National Institutes of Health institute or center.

(C) The federal Food and Drug Administration.

(D) The United States Department of Veterans Affairs.

(E) The United States Department of Defense.

(F) The institutional review board of an institution located in Indiana that has a multiple project assurance contract approved by the National Institutes of Health Office for Protection from Research Risks as provided in 45 CFR 46.103.

(G) A research entity that meets eligibility criteria for a support grant from a National Institutes of Health center.

(c) As used in this section, "nonparticipating provider" means a health care provider that has not entered into an agreement described in IC 27-13-1-24.

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

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

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

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

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

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

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

(7) A service, item, or drug that is eligible for reimbursement from a source other than an enrollee's individual contract or group contract, including the sponsor of the clinical trial.

(e) An individual contract or a group contract must provide coverage for routine care costs that are incurred in the course of a clinical trial if the individual contract or group contract would provide coverage for the same routine care costs not incurred in a clinical trial.

(f) The coverage that must be provided under this section is subject to the terms, conditions, restrictions, exclusions, and limitations that apply generally under the individual contract or group contract, including terms, conditions, restrictions, exclusions, or limitations that apply to health care services rendered by participating providers and nonparticipating providers.

(g) This section does not do any of the following:

(1) Require a health maintenance organization to provide coverage for clinical trial services rendered by a participating provider.

(2) Prohibit a health maintenance organization from providing coverage for clinical trial services rendered by a participating provider.

(3) Require reimbursement under an individual contract or a group contract for services that are rendered in a clinical trial by a nonparticipating provider at the same rate of reimbursement that would apply to the same services rendered by a participating provider.

(h) This section does not create a cause of action against a person for any harm to an enrollee resulting from a clinical trial.

As added by P.L.109-2009, SEC.4.
Ind. Code § 27-8-28-10 — Indiana Code / Title 27 / Article 8 / Chapter 28 / Section 27-8-28-10
Grievance procedure to comply with chapter requirements
Status: in_force

Sec. 10. An insurer shall establish and maintain a grievance procedure that complies with the requirements of this chapter for the resolution of grievances initiated by a covered individual.

As added by P.L.66-2001, SEC.2 and P.L.203-2001, SEC.13.
Ind. Code § 27-8-16-10 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-10
Fraudulent or misleading information; penalties
Status: in_force

Sec. 10. A provider, an enrollee, or an agent of a provider or enrollee who provides fraudulent or misleading information to a claim review agent is subject to the appropriate administrative, civil, and criminal penalties.

As added by P.L.128-1992, SEC.2.
Ind. Code § 27-1-37.4-1 — Indiana Code / Title 27 / Article 1 / Chapter 37.4 / Section 27-1-37.4-1
"Covered individual"
Status: in_force

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

As added by P.L.45-2017, SEC.1.
Ind. Code § 27-1-24.7-5 — Indiana Code / Title 27 / Article 1 / Chapter 24.7 / Section 27-1-24.7-5
"Prescription drug"
Status: in_force

Sec. 5. As used in this chapter, "prescription drug" means a controlled substance or a legend drug (as defined in IC 16-18-2-199).

As added by P.L.216-2025, SEC.42.
Ind. Code § 27-1-15.6-28 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-28
Suspension of license
Status: in_force

Sec. 28. (a) Upon receiving an order of a court issued 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), the commissioner shall:

(1) suspend a license issued under this chapter to the person who is the subject of the order; and

(2) promptly mail a notice to the last known address of the person who is the subject of the order, stating the following:

(A) That the person's license is suspended beginning five (5) business days after the date the notice is mailed, and that the suspension will terminate not earlier than ten (10) business days after the commissioner receives an order allowing reinstatement from the court that issued the suspension order.

(B) That the person has the right to petition for reinstatement of a license issued under this chapter to the court that issued the order for suspension.

(b) The commissioner shall not reinstate a license suspended under subsection (a) until the commissioner receives an order allowing reinstatement from the court that issued the order for suspension.

As added by P.L.132-2001, SEC.3. Amended by P.L.207-2013, SEC.13.
Ind. Code § 27-11-5-1 — Indiana Code / Title 27 / Article 11 / Chapter 5 / Section 27-11-5-1
Amendment of laws of domestic society
Status: in_force

Sec. 1. (a) A domestic society may amend its laws in accordance with the provisions of the domestic society by action of its supreme governing body at any regular or special meeting of the domestic society or, if its laws provide, by referendum. The referendum may be held in accordance with the provisions of its laws by the vote of the voting members of the society, by the vote of delegates or representatives of voting members, or by the vote of local lodges. A society may provide for voting by mail. No amendment submitted for adoption by referendum shall be adopted unless, within six (6) months from the date of submission of the amendment, a majority of the members voting shall have signified their consent to the amendment.

(b) No amendment to the laws of any domestic society shall take effect unless approved by the commissioner, who shall approve the amendment if the commissioner finds that it has been duly adopted and is not inconsistent with any requirement of the laws of this state or with the character, objects, and purposes of the society. Unless the commissioner disapproves any amendment within sixty (60) days after the filing of the amendment, the amendment shall be considered approved. The approval or disapproval of the commissioner shall be in writing and mailed to the secretary or corresponding officer of the society at its principal office. In case the commissioner disapproves the amendment, the reasons for the disapproval shall be stated in the written notice.

(c) Within ninety (90) days from the approval of an amendment by the commissioner, all such amendments, or a synopsis thereof, shall be furnished to all members of the society either by mail or by publication in full in the official publication of the society. The affidavit of any officer of the society or of anyone authorized by it to mail any amendments or synopsis of the amendments stating facts that show that the amendments have been duly addressed and mailed, is prima facie evidence that the amendments or synopsis of the amendments have been furnished the addressee.

(d) Every foreign or alien society authorized to do business in this state shall file with the commissioner a duly certified copy of all amendments of, or additions to, its laws within ninety (90) days after the enactment of same.

(e) Printed copies of the laws as amended, certified by the secretary or corresponding officer of the society, shall be prima facie evidence of the legal adoption thereof.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-1-12.8-13 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-13
"Principal based valuation"
Status: in_force

Sec. 13. On and after the operative date of the Valuation Manual specified in section 34 of this chapter, as used in this chapter, "principal based valuation" means a reserve valuation that:

(1) uses at least one (1) method or assumption determined by the insurer; and

(2) is required to comply with section 35 of this chapter as specified in the Valuation Manual.

As added by P.L.276-2013, SEC.10. Amended by P.L.124-2018, SEC.21.
Ind. Code § 27-1-24.5-0.8 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-0.8
"Cost sharing"
Status: in_force

Sec. 0.8. As used in this chapter, "cost sharing" means any copayment, coinsurance, deductible, or other similar charge that is:

(1) required of a covered individual for a health care service covered by a health plan, including a prescription drug; and

(2) paid:

(A) by; or

(B) on behalf of;

the covered individual.

As added by P.L.237-2025, SEC.1.
Ind. Code § 27-5.1-2-44 — Indiana Code / Title 27 / Article 5.1 / Chapter 2 / Section 27-5.1-2-44
Validity of rate or form filed under prior law
Status: in_force

Sec. 44. A rate or form filed by a farm mutual insurance company before July 1, 2003, is valid and remains in effect notwithstanding the repeal of IC 27-5 and the addition of this article.

As added by P.L.16-2009, SEC.28.
Ind. Code § 27-15-4-6 — Indiana Code / Title 27 / Article 15 / Chapter 4 / Section 27-15-4-6
Hearing procedures
Status: in_force

Sec. 6. The hearing shall be conducted by the commissioner or by the commissioner's designee, consistent with the procedures described in IC 4-22-2-26.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-6-9-8 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-8
Reinsurance intermediary-manager
Status: in_force

Sec. 8. (a) As used in this chapter, "reinsurance intermediary-manager" (or, RM) means any person, firm, association or corporation that:

(1) has authority to bind or manages all or part of the assumed reinsurance business of a reinsurer (including the management of a separate division, department, or underwriting office); and

(2) acts as an agent for that reinsurer;

whether known as a RM, manager, or other similar term.

(b) Notwithstanding subsection (a), the following persons may not be considered a RM, with respect to a reinsurer, for the purposes of this chapter:

(1) An employee of the reinsurer.

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

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

(A) manages all or part of the reinsurance operations of the reinsurer;

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

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

(4) The manager of a group, association, pool, or organization of insurers which engage in joint underwriting or joint reinsurance and who are subject to examination by the insurance commissioner of the state in which the manager's principal business office is located.

As added by P.L.26-1991, SEC.26.
Ind. Code § 27-17-1-12 — Indiana Code / Title 27 / Article 17 / Chapter 1 / Section 27-17-1-12
"Provider agreement"
Status: in_force

Sec. 12. "Provider agreement" means a written agreement between a discount medical card program organization and a:

(1) provider; or

(2) provider network;

for the provider or providers that belong to the provider network to render medical services to cardholders at discounted rates.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-2-21-18 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-18
Disclosure of use of credit information
Status: in_force

Sec. 18. (a) If an insurer uses credit information in underwriting or rating a consumer, the insurer or the insurer's agent shall disclose, either on the insurance application or at the time the insurance application is taken, that the insurer may obtain credit information in connection with the application. The disclosure must be:

(1) written; or

(2) provided to the consumer in the same medium as the application for insurance.

The insurer is not required to provide the disclosure statement required under this section to an insured on a renewal policy if the insured has previously been provided a disclosure statement.

(b) Use of the following sample disclosure statement constitutes compliance with this section: "In connection with this application for insurance, we may review your credit report or obtain or use a credit based insurance score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance score.".

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-2-15-3 — Indiana Code / Title 27 / Article 2 / Chapter 15 / Section 27-2-15-3
"Enforcement authority" defined
Status: in_force

Sec. 3. As used in this chapter, "enforcement authority" has the meaning set forth in IC 36-7-9-2.

As added by P.L.247-1989, SEC.2.
Ind. Code § 27-1-30.4-2 — Indiana Code / Title 27 / Article 1 / Chapter 30.4 / Section 27-1-30.4-2
"Property and casualty insurance"
Status: in_force

Sec. 2. 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.

As added by P.L.165-2022, SEC.5.
Ind. Code § 27-1-40-7 — Indiana Code / Title 27 / Article 1 / Chapter 40 / Section 27-1-40-7
Issuance and renewal of certificate of authority
Status: in_force

Sec. 7. (a) Before issuing a new or renewal certificate of authority to a United States branch, the commissioner may require satisfactory proof:

(1) in the charter of the alien company transacting business through the United States branch;

(2) by an agreement evidenced by a certified resolution of the alien company's board of directors; or

(3) otherwise as required by the commissioner;

that the United States branch will not engage in any insurance business not authorized by this chapter and by the alien company's charter.

(b) The commissioner shall issue a renewal certificate of authority to a United States branch if the commissioner is satisfied that the United States branch is not delinquent in any requirement of this title and that the United States branch's continued insurance business in Indiana is not contrary to the best interest of the citizens of Indiana.

(c) A United States branch may not be:

(1) granted a certificate of authority to transact any kind of insurance business in Indiana that is not permitted to be transacted in Indiana by a domestic company granted a certificate of authority under this title; or

(2) authorized to transact an insurance business in Indiana if the United States branch transacts, anywhere in the United States, any kind of business other than an insurance business (and business incidental to the kind of insurance business) that the United States branch is authorized to transact in Indiana.

(d) A United States branch entering the United States through Indiana or another state may not be authorized to transact an insurance business in Indiana if the United States branch fails to substantially comply with any requirement of this title that:

(1) applies to a similar domestic company that is organized after July 1, 2007; and

(2) the commissioner determines is necessary to protect the interest of the policyholders.

(e) Unless the commissioner determines that the kind of insurance is not contrary to the best interest of the citizens of Indiana, a United States branch may not transact any kind of insurance business that is not permitted to be transacted in Indiana by a similar domestic company that is organized after July 1, 2007.

(f) A United States branch may not be authorized to transact an insurance business in Indiana unless the United States branch maintains correct and complete records of the United States branch's transactions that are:

(1) open to inspection by any person who has the right to inspect the records; and

(2) maintained at the United States branch's principal office in Indiana.

As added by P.L.173-2007, SEC.20.
Ind. Code § 27-1-36-9.6 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-9.6
"Insurer"
Status: in_force

Sec. 9.6. As used in this chapter, "insurer" includes:

(1) a health maintenance organization;

(2) a limited service health maintenance organization; and

(3) a fraternal benefit society.

As added by P.L.51-2002, SEC.5. Amended by P.L.276-2013, SEC.21.
Ind. Code § 27-13-25-1 — Indiana Code / Title 27 / Article 13 / Chapter 25 / Section 27-13-25-1
Rehabilitation or liquidation as an insurance company; applicability of IC 27-9
Status: in_force

Sec. 1. The rehabilitation or liquidation of a health maintenance organization:

(1) shall be considered to be the rehabilitation or liquidation of an insurance company; and

(2) shall be conducted under IC 27-9.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-37.5-25 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-25
Limitation on a utilization review entity's authority to revoke, limit, condition, or restrict an authorization
Status: in_force

Sec. 25. A utilization review entity may not revoke, limit, condition, or restrict an authorization if the health care provider begins providing the health care service not later than forty-five (45) days (excluding weekends and state and federal legal holidays) after the date the health care provider received the authorization.

As added by P.L.144-2025, SEC.33.
Ind. Code § 27-8-24-2 — Indiana Code / Title 27 / Article 8 / Chapter 24 / Section 27-8-24-2
"At-home postdelivery care"
Status: in_force

Sec. 2. As used in this chapter, "at-home postdelivery care" refers to health care provided to a woman at her residence by a physician licensed under IC 25-22.5 or a registered nurse or an advanced practice registered nurse licensed under IC 25-23 whose scope of practice includes providing postpartum care in the area of maternal and child health care. The health care services provided must include, at a minimum:

(1) parent education;

(2) assistance and training in breast or bottle feeding; and

(3) performance of any maternal and neonatal tests routinely performed during the usual course of inpatient care for the woman or her newborn child, including the collection of an adequate sample for the hereditary and metabolic newborn screening.

As added by P.L.194-1996, SEC.1. Amended by P.L.129-2018, SEC.41.
Ind. Code § 27-10-5-2 — Indiana Code / Title 27 / Article 10 / Chapter 5 / Section 27-10-5-2
Bail bond enforcement and administration fund; use of money
Status: in_force

Sec. 2. The money in the fund created by this chapter shall be used for the following purposes and no other:

(1) The employment of a qualified investigator and investigation staff.

(2) The expense of examination.

(3) Licensing.

(4) Forms.

(5) Other related expenses necessitated by this article.

As added by P.L.261-1985, SEC.1.
Ind. Code § 27-8-26-1 — Indiana Code / Title 27 / Article 8 / Chapter 26 / Section 27-8-26-1
Applicability of chapter
Status: in_force

Sec. 1. (a) This chapter applies to the following:

(1) Every policy of accident and sickness insurance (as defined in IC 27-8-5-1), whether written on an individual basis, a group basis, a franchise basis, or a blanket basis that is issued, delivered, or renewed in Indiana.

(2) Every group contract (as defined in IC 27-13-1-16) or individual contract (as defined in IC 27-13-1-21) through which a health maintenance organization furnishes health care services that is delivered, executed, or renewed in Indiana.

(3) Every health care plan of a state or local governmental entity that provides coverage for health care services on a self-insurance basis in Indiana.

(4) Every employee welfare benefit plan (as defined in 29 U.S.C. 1002) that is self-funded.

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

(1) Accident-only insurance, credit insurance, or disability income insurance.

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

(3) Worker's compensation or similar insurance.

(4) Automobile medical payment insurance.

(5) Life insurance.

As added by P.L.150-1997, SEC.4.
Ind. Code § 27-8-32-4 — Indiana Code / Title 27 / Article 8 / Chapter 32 / Section 27-8-32-4
"Policy of accident and sickness insurance"
Status: in_force

Sec. 4. As used in this chapter, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1.

As added by P.L.46-2009, SEC.1.
Ind. Code § 27-13-10-2 — Indiana Code / Title 27 / Article 13 / Chapter 10 / Section 27-13-10-2
Examination by commissioner
Status: in_force

Sec. 2. The commissioner may examine the grievance procedures of health maintenance organizations and limited service health maintenance organizations.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-13-1-16 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-16
"Group contract"
Status: in_force

Sec. 16. "Group contract" means a contract for health care services which by the contract's terms limits eligibility to members of a specified group. A group contract may include coverage for dependents.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-46.5-3 — Indiana Code / Title 27 / Article 1 / Chapter 46.5 / Section 27-1-46.5-3
"Hospital"
Status: in_force

Sec. 3. (a) As used in this chapter and except as provided in subsection (b), "hospital" means an acute care hospital licensed under IC 16-21.

(b) The term does not include the following:

(1) A hospital specifically intended to diagnose, care, and treat the following:

(A) Individuals with a mental illness (as defined in IC 12-7-2.1-197).

(B) Individuals with a developmental disability (as defined in IC 12-7-2.1-118).

(2) A hospital designated by the Medicaid program as a long term care hospital.

(3) A hospital that is a Medicare certified, freestanding rehabilitation hospital.

(4) A hospital that is operated by the federal government.

(5) A critical access hospital.

(6) A rural emergency hospital.

As added by P.L.216-2025, SEC.46. Amended by P.L.145-2026, SEC.145.
Ind. Code § 27-1-2.2-8 — Indiana Code / Title 27 / Article 1 / Chapter 2.2 / Section 27-1-2.2-8
Acknowledgment that coverage is not considered insurance
Status: in_force

Sec. 8. (a) When an individual applies for health coverage provided under this chapter, the nonprofit agricultural organization offering the health coverage shall inform the individual that the health coverage:

(1) is not considered insurance; and

(2) is not subject to the administrative rules of the department of insurance.

(b) An individual entering into a contract for health coverage under this chapter must acknowledge that the coverage:

(1) is not considered insurance; and

(2) is not subject to the administrative rules of the department of insurance.

(c) The acknowledgment required by subsection (b) must be in a writing signed by the individual. The nonprofit agricultural organization shall:

(1) keep a copy of the written acknowledgment for the entire duration of the contract under which the individual is provided coverage under this chapter; and

(2) provide a copy of the acknowledgment to the individual at the individual's request.

As added by P.L.136-2020, SEC.1.
Ind. Code § 27-4-1-3 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-3
Prohibited use of unfair methods of competition and deceptive acts or practices
Status: in_force

Sec. 3. No person shall engage in this state in any trade practice which is defined in this chapter or determined pursuant to this chapter as an unfair method of competition or as an unfair or deceptive act or practice in the business of insurance as defined in IC 27-1-2-3.

Formerly: Acts 1947, c.112, s.3. As amended by P.L.252-1985, SEC.146.
Ind. Code § 27-9-3-28 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-28
Setoff of mutual debts or credits
Status: in_force

Sec. 28. (a) Mutual debts or mutual credits between the insurer and another person in connection with any action or proceeding under this article shall be set off and only the balance shall be allowed or paid, except as provided in section 31(a) of this chapter.

(b) A setoff or counterclaim shall not be allowed in favor of any person where:

(1) the obligation of the insurer to the person would not at the date of the filing of a petition for liquidation entitle the person to share as a claimant in the assets of the insurer;

(2) the obligation of the insurer to the person was purchased by or transferred to the person with a view to its being used as a setoff; or

(3) the obligation of the person is to pay an assessment levied against the members or subscribers of the insurer, or is to pay a balance upon a subscription to the capital stock of the insurer, or is in any other way in the nature of a capital contribution.

As added by Acts 1979, P.L.255, SEC.1. Amended by P.L.29-1987, SEC.3; P.L.255-1995, SEC.10.
Ind. Code § 27-14.5-2-4 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-4
Required vote of board of directors in favor of plan of reorganization
Status: in_force

Sec. 4. A plan of reorganization under this chapter must be adopted by:

(1) a vote of not less than two-thirds (2/3) of the members of the board of directors of the mutual insurance company; or

(2) in the case of the formation of any intermediate stock insurance holding company that is not concurrent with the formation of the mutual insurance holding company, by a vote of not less than two-thirds (2/3) of the members of the board of directors of the mutual insurance holding company.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-1-36-3 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-3
"Authorized control level event"
Status: in_force

Sec. 3. As used in this chapter, "authorized control level event" has the meaning set forth in section 39 of this chapter.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-8-11-5 — Indiana Code / Title 27 / Article 8 / Chapter 11 / Section 27-8-11-5
Preferred provider plans; filing sworn statement
Status: in_force

Sec. 5. Each person that organizes a preferred provider plan under this chapter shall file with the commissioner before March 1 of each year a statement, under oath, upon a form prescribed by the commissioner that covers the preceding calendar year and includes the following:

(1) The name and address of each person that has organized a preferred provider plan.

(2) The names and addresses of the providers with whom the preferred provider plan has entered into agreements under section 3 of this chapter.

(3) The geographical area, by counties, within which the preferred provider plan provides or arranges for health care services for insureds, members or enrollees.

(4) The number of insureds, members or enrollees covered by the agreements listed in subdivision (2).

As added by P.L.31-1988, SEC.23.
Ind. Code § 27-1-12-21 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-21
Power to hold proceeds under trust or other agreement with policyholder
Status: in_force

Sec. 21. Any life insurance company organized under the laws of this state shall have power to hold the proceeds of any policy issued by it under a trust or other agreement upon such terms and restrictions as to revocation by the policyholder and control by beneficiaries and with such exemptions from the claims of creditors of beneficiaries other than the policyholder as shall have been agreed to in writing by such company and the policyholder. Such insurance company shall not be required to segregate funds so held but may hold them as a part of its general corporate assets.

Formerly: Acts 1935, c.162, s.160.
Ind. Code § 27-2-25-6 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-6
"Network"
Status: in_force

Sec. 6. (a) As used in this chapter, "network" means a group of provider facilities and practitioners that:

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

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

(b) The term includes the following:

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

(A) individual provider facilities and practitioners;

(B) a preferred provider organization; or

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

(i) an independent practice association; and

(ii) a physician-hospital organization.

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

As added by P.L.93-2020, SEC.13.
Ind. Code § 27-1-47.5-9 — Indiana Code / Title 27 / Article 1 / Chapter 47.5 / Section 27-1-47.5-9
Compliance with federal law
Status: in_force

Sec. 9. Information under this chapter must be provided in accordance with the federal Health Insurance Portability and Accountability Act,

As added by P.L.203-2023, SEC.21.
Ind. Code § 27-1-29.1-14 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-14
Excess coverage provided
Status: in_force

Sec. 14. The coverage of a liability under this chapter is excess of any and all other valid and collectible insurance and coverage under liability risk management, risk sharing, and risk financing pools or funds.

As added by P.L.272-1987, SEC.7.
Ind. Code § 27-7-3.7-5 — Indiana Code / Title 27 / Article 7 / Chapter 3.7 / Section 27-7-3.7-5
"Real estate transaction"
Status: in_force

Sec. 5. (a) As used in this section, "real estate transaction" refers to any:

(1) escrow transaction;

(2) settlement; or

(3) closing;

conducted in connection with the purchase, sale, or financing of an interest in real estate.

(b) The term does not include a real estate secured loan financing if:

(1) the only parties to the loan transaction are the lender and the borrower; and

(2) the lender is responsible for disbursing all of the funds to the borrower or to a third party in order to pay fees and charges associated with the loan transaction.

As added by P.L.92-2009, SEC.1.
Ind. Code § 27-8-29-18 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-18
Applicability of chapter
Status: in_force

Sec. 18. This chapter does not add to or otherwise change the terms of coverage included in a policy, certificate, or contract under which a covered individual receives health care benefits under IC 27-8.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14.
Ind. Code § 27-13-28-7 — Indiana Code / Title 27 / Article 13 / Chapter 28 / Section 27-13-28-7
Investigations on behalf of enrollees or providers not precluded
Status: in_force

Sec. 7. This article does not preclude the department from investigating complaints, grievances, or appeals on behalf of enrollees or providers.

As added by P.L.69-1998, SEC.11.
Ind. Code § 27-2-21-14 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-14
"Personal insurance policy"
Status: in_force

Sec. 14. As used in this chapter, "personal insurance policy" means a policy that:

(1) provides one (1) or more of the kinds of insurance described in Class 2 or Class 3 of IC 27-1-5-1; and

(2) is underwritten on an individual basis for personal, family, or household use.

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-1-17-4.2 — Indiana Code / Title 27 / Article 1 / Chapter 17 / Section 27-1-17-4.2
Service of process in action on surety bonds
Status: in_force

Sec. 4.2. (a) A foreign or alien insurance company that provides a surety bond that is required or permitted under the law of the United States shall execute a power of attorney in a form prescribed by the department irrevocably appointing the commissioner as the insurance company's agent for service of process in an action on the surety bond if the:

(1) surety bond was provided in Indiana; and

(2) service of process under this section is in addition to another method of service of process authorized by law or court rule.

(b) Service of process under this section has the same effect as personal service on the insurance company.

(c) Upon receipt of process described in this section, the commissioner shall forward the process to the resident agent designated by the insurance company under section 4(7) of this chapter.

(d) The commissioner may adopt rules under IC 4-22-2 to establish reasonable fees for the acceptance of process described in this section. Fees collected under rules adopted under this subsection must be deposited in the department of insurance fund established by IC 27-1-3-28.

As added by P.L.193-2006, SEC.6.
Ind. Code § 27-2-23-11 — Indiana Code / Title 27 / Article 2 / Chapter 23 / Section 27-2-23-11
Performance of death master file comparison; frequency; death certificate
Status: in_force

Sec. 11. (a) An insurer shall, at least every six (6) months, perform a comparison of in-force policies, annuities, and retained asset accounts issued by the insurer in Indiana against a death master file to identify potential death master file matches.

(b) An insurer that performs a comparison under subsection (a) using:

(1) a complete death master file one (1) time per year; and

(2) only the update files of the death master file used under subdivision (1) for additional comparisons during the twelve (12) months after the comparison under subdivision (1);

is considered to be compliant with subsection (a).

(c) This section does not prevent an insurer from requesting a certified original or copy of a death certificate as a part of a claim validation process.

As added by P.L.90-2014, SEC.1.
Ind. Code § 27-2-27-7 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-7
"Encrypted"
Status: in_force

Sec. 7. As used in this chapter, "encrypted" means the transformation of data into a form that results in a low probability of assigning meaning without the use of a protective process or key.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-1-28-15 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-15
Written exam; exceptions
Status: in_force

Sec. 15. (a) Except as provided in section 16 of this chapter and in subsection (e), an individual who applies for an independent adjuster license under this chapter must pass a written examination that is:

(1) developed and conducted according to rules adopted by the commissioner under IC 4-22-2; and

(2) intended to test the knowledge of the individual concerning:

(A) the lines of authority in which the individual has applied for licensing under this chapter;

(B) the duties and responsibilities of an independent adjuster; and

(C) Indiana insurance law.

(b) The commissioner may contract with a nongovernmental entity to administer the written examination required by this section.

(c) An individual described in subsection (a) shall remit, with the application to take the written examination required by this section, a nonrefundable examination fee in an amount set by the commissioner or the organization administering the examination.

(d) If an individual:

(1) fails to appear for or to pass an examination; and

(2) desires to reschedule the examination;

the individual shall reapply for the written examination and remit all fees and forms before scheduling an examination date.

(e) An individual who holds a current claims certification issued by a national or state claims association whose certification program includes:

(1) a precertification course for new adjusters that is approved by the department;

(2) an examination for new adjusters that is approved by the department; and

(3) a continuing education program that is approved by the department;

is not required to complete a prelicensing course described in section 12(b)(5) of this chapter or pass a written examination described in subsection (a) to be issued an independent adjuster license under this chapter.

As added by P.L.11-2011, SEC.22. Amended by P.L.130-2020, SEC.6.
Ind. Code § 27-7-14-2 — Indiana Code / Title 27 / Article 7 / Chapter 14 / Section 27-7-14-2
"Casualty insurance company"
Status: in_force

Sec. 2. As used in this chapter, "casualty insurance company" has the meaning set forth in IC 27-1-2-3(t).

As added by P.L.146-2015, SEC.31.
Ind. Code § 27-9-3.1-16 — Indiana Code / Title 27 / Article 9 / Chapter 3.1 / Section 27-9-3.1-16
Notice to parties of transfer
Status: in_force

Sec. 16. If an insurer's receiver makes a transfer of at least one (1) netting agreement or qualified financial contract under section 14 of this chapter, the receiver shall use the receiver's best efforts to notify any person that is a party to the netting agreement or qualified financial contract before noon, local time of the receiver, on the business day following the transfer.

As added by P.L.11-2011, SEC.36.
Ind. Code § 27-7-10-17 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-17
Examination of foreign risk retention groups
Status: in_force

Sec. 17. A risk retention group that is licensed and chartered in a state other than Indiana shall submit to an examination by the commissioner of this state to determine its financial condition if the commissioner of the jurisdiction in which the group is chartered and licensed has not initiated an examination or does not initiate an examination within sixty (60) days after a request by the commissioner of this state. Any examination conducted by the commissioner of this state under this section shall be coordinated to avoid unjustified repetition and conducted in an expeditious manner and in accordance with the Financial Condition Examiner's Handbook and the Market Regulation Handbook.

As added by P.L.162-1988, SEC.2. Amended by P.L.124-2018, SEC.74.
Ind. Code § 27-1-12-10 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-10
Repealed
Status: repealed

Formerly: Acts 1935, c.162, s.153A; Acts 1943, c.189, s.5; Acts 1959, c.146, s.3; Acts 1963, c.212, s.2; Acts 1973, P.L.273, SEC.2. As amended by Acts 1979, P.L.250, SEC.2; Acts 1980, P.L.22, SEC.16; Acts 1981, P.L.237, SEC.2; P.L.2-1987, SEC.35; P.L.5-1988, SEC.142; P.L.130-1994, SEC.17; P.L.116-1994, SEC.22. Repealed by P.L.276-2013, SEC.5.
Ind. Code § 27-13-10.1-0.1 — Indiana Code / Title 27 / Article 13 / Chapter 10.1 / Section 27-13-10.1-0.1
Application of chapter
Status: in_force

Sec. 0.1. The addition of this chapter by P.L.133-1999 applies to grievances filed under IC 27-13-10-5 after January 1, 2000.

As added by P.L.220-2011, SEC.459.
Ind. Code § 27-3-1-1 — Indiana Code / Title 27 / Article 3 / Chapter 1 / Section 27-3-1-1
Construction and application
Status: in_force

Sec. 1. This chapter shall be supplemental to IC 27-1. All provisions of IC 27-1 shall be fully and completely applicable to this chapter in the same manner as if the provisions of this chapter had been an original part of IC 27-1; provided, that the provisions of this chapter shall be controlling in the event there exists any conflict between the provisions of this chapter and the provisions of IC 27-1.

Formerly: Acts 1967, c.61, s.1. As amended by P.L.252-1985, SEC.138.
Ind. Code § 27-4-1-18 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-18
Causes of action created
Status: in_force

Sec. 18. This article does not create a cause of action other than an action by:

(1) the commissioner to enforce his order; or

(2) a person, as defined in section 1 of this chapter, to appeal an order of the commissioner.

As added by P.L.259-1983, SEC.6.
Ind. Code § 27-8-15-2 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-2
Repealed
Status: repealed

As added by P.L.127-1992, SEC.1. Repealed by P.L.11-2011, SEC.46.
Ind. Code § 27-1-13-1 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-1
Particular rights, privileges, and powers of casualty, fire, or marine insurers; exceptions
Status: in_force

Sec. 1. In addition to the general rights, privileges, and powers conferred by IC 27-1-5 through IC 27-1-13 and IC 27-11 and subject to the limitations and restrictions contained in this article and in the articles of incorporation, every casualty, fire, or marine insurance company shall possess and may exercise the rights, privileges, and powers enumerated in this chapter, except that such powers shall not be intended or interpreted to mean that a company organized under either class as set out and defined in IC 27-1-5-1 shall make any kind or kinds of insurance as set out and defined in any other class of IC 27-1-5-1 other than as expressly provided in such classification.

Formerly: Acts 1935, c.162, s.170. As amended by P.L.252-1985, SEC.67; P.L.3-1990, SEC.97.
Ind. Code § 27-8-31.2-5 — Indiana Code / Title 27 / Article 8 / Chapter 31.2 / Section 27-8-31.2-5
Designation of mail order or Internet based pharmacy
Status: in_force

Sec. 5. (a) An insurer that provides coverage for prescription drugs may designate a mail order or an Internet based pharmacy to provide prescription drugs to an insured.

(b) An insurer may not require an insured to obtain a prescription drug from a pharmacy designated under subsection (a) as a condition of coverage.

As added by P.L.251-2003, SEC.4.
Ind. Code § 27-1-9-14 — Indiana Code / Title 27 / Article 1 / Chapter 9 / Section 27-1-9-14
Statement of compensation to persons securing, aiding, promoting, or assisting in merger, consolidation, or reinsurance
Status: in_force

Sec. 14. Whenever articles of merger, consolidation or reinsurance are filed with the department, there shall also be filed a certificate, executed by the president or a vice-president and attested by the secretary or an assistant secretary, and under the corporate seal of each of the corporations parties to the agreement of merger, consolidation and reinsurance, verified by the affidavits of all such officers, setting forth all fees, commissions or other compensations, or valuable considerations paid or to be paid, directly or indirectly, to any person or persons, firm or firms, limited liability company or limited liability companies, corporation or corporations whomsoever, which in any manner secured, aided, promoted or assisted in any such merger, consolidation or reinsurance.

Formerly: Acts 1935, c.162, s.129. As amended by P.L.8-1993, SEC.412.
Ind. Code § 27-7-2-35 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-35
Record of rejected risks referred by bureau to members; effect of writing rejected risk as regular business
Status: in_force

Sec. 35. The bureau shall keep a record of all risks referred to members as carrying company, coming within the provisions of section 29 of this chapter, and this record shall be open to any bureau member or its authorized representative. Any member may at any time write as regular business any risk which is carried by any other member as a carrying company, under the provisions of section 29 and such carrying company shall cancel such policy on a pro rata premium basis or thereafter carry such risk in its entirety as regular business.

Formerly: Acts 1935, c.323, s.35. As amended by P.L.252-1985, SEC.243.
Ind. Code § 27-1-45-10 — Indiana Code / Title 27 / Article 1 / Chapter 45 / Section 27-1-45-10
Compliance with federal requirements
Status: in_force

Sec. 10. The requirements of this chapter do not apply to a facility or practitioner that:

(1) is required to comply with; and

(2) is in compliance with;

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

As added by P.L.165-2022, SEC.9. Amended by P.L.190-2023, SEC.22.
Ind. Code § 27-2-21-1 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-1
"Adverse action"
Status: in_force

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

(1) a denial or cancellation of;

(2) an increase in a charge for; or

(3) a reduction or other adverse or unfavorable change in the terms of coverage or amount of;

insurance in connection with the underwriting of a personal insurance policy.

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-2-27-19 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-19
Board of directors; executive management
Status: in_force

Sec. 19. (a) If the licensee has a board of directors, the board of directors shall require the licensee's executive management or its delegates to develop, implement, and maintain the licensee's information security program.

(b) If the licensee's executive management delegates any of its responsibilities under this section, it shall:

(1) oversee the development, implementation, and maintenance of the licensee's information security program prepared by the delegate; and

(2) receive a report from the delegate concerning:

(A) the overall status of the information security program;

(B) the licensee's compliance with this chapter; and

(C) material matters related to the information security program addressing such issues as:

(i) risk assessment;

(ii) risk management and control decisions;

(iii) third party service provider arrangements;

(iv) results of testing;

(v) cybersecurity events and management's responses to cybersecurity events; and

(vi) recommendations for changes in the information security program.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-8-14.3-3 — Indiana Code / Title 27 / Article 8 / Chapter 14.3 / Section 27-8-14.3-3
"Biomarker"
Status: in_force

Sec. 3. (a) As used in this chapter, "biomarker" means a characteristic that is objectively measured and evaluated as an indicator of:

(1) normal biological processes;

(2) pathogenic processes; or

(3) pharmacologic responses to a specific therapeutic intervention, including known gene-drug interactions for medications being considered for use or already being administered.

(b) The term includes gene mutations, characteristics of genes, and protein expression.

As added by P.L.37-2024, SEC.2.
Ind. Code § 27-9-3-33 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-33
Filing proof of claims
Status: in_force

Sec. 33. (a) Proof of all claims must be filed with the liquidator in the form required by section 34 of this chapter on or before the last day for filing specified in the notice required by section 10 of this chapter, except that proof of claims for cash surrender values or other investment values in life insurance and annuities need not be filed unless the liquidator expressly requires it.

(b) The liquidator may permit a claimant making a late filing to share in distributions, whether past or future, as if he were not late, to the extent that any late payment will not prejudice the orderly administration of the liquidation, when:

(1) the existence of the claim was not known to the claimant but that after learning of it he filed his claim as promptly as is reasonably possible;

(2) a transfer to a creditor was avoided under sections 14 through 16 of this chapter, or was voluntarily surrendered under section 27 of this chapter and that the filing satisfies the conditions of section 27 of this chapter; and

(3) the valuation under section 39 of this chapter, of security held by a secured creditor shows a deficiency, which is filed within thirty (30) days after the valuation.

(c) The liquidator shall permit late filing claims to share in distributions, whether past or future, as if they were not late, if those claims are claims of a guaranty association or foreign guaranty association for reimbursement of covered claims paid or expenses after the last day for filing where the payments were made and expenses incurred as provided by law.

(d) The liquidator may consider any claim filed late that is not covered by subsection (b), and permit it to receive distributions that are subsequently declared on any claims of the same or lower priority if the payment does not prejudice the orderly administration of the liquidation. The late-filing claimant shall receive, at each distribution, the same percentage of the amount allowed on his claim as is then being paid to claimants of any lower priority. This shall continue until his claim has been paid in full.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-8-39-3 — Indiana Code / Title 27 / Article 8 / Chapter 39 / Section 27-8-39-3
Coverage for wearable cardioverter defibrillators
Status: in_force

Sec. 3. (a) A policy of accident and sickness insurance must provide coverage for wearable cardioverter defibrillators, including the cost of the wearable cardioverter defibrillator, any necessary accessory, and ongoing monitoring services.

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

(1) local coverage determination; or

(2) national coverage determination;

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

As added by P.L.190-2023, SEC.31.
Ind. Code § 27-7-14-6 — Indiana Code / Title 27 / Article 7 / Chapter 14 / Section 27-7-14-6
"Motor vehicle insurance"
Status: in_force

Sec. 6. As used in this chapter, "motor vehicle insurance" means the type of insurance described in IC 27-1-5-1, Class 2(f).

As added by P.L.146-2015, SEC.31.
Ind. Code § 27-10-1-4.3 — Indiana Code / Title 27 / Article 10 / Chapter 1 / Section 27-10-1-4.3
"Bureau"
Status: in_force

Sec. 4.3. "Bureau" refers to the child support bureau established by IC 31-25-3-1.

As added by P.L.23-1996, SEC.25. Amended by P.L.145-2006, SEC.166.
Ind. Code § 27-1-12.8-32 — Indiana Code / Title 27 / Article 1 / Chapter 12.8 / Section 27-1-12.8-32
Minimum reserve requirement for certain contracts
Status: in_force

Sec. 32. In the case of:

(1) a plan of life insurance that provides for future premium determination, the amounts of which are to be determined by the company based on estimates of future experience; or

(2) a contract of life insurance or annuity that is of such a nature that the minimum reserves cannot be determined by the methods described in sections 27, 28, and 31 of this chapter;

the reserves that are held under the contract must be appropriate in relation to the benefits and pattern of premiums for the contract and computed by a method that is consistent with the principles of this chapter, as determined under rules adopted by the commissioner under IC 4-22-2.

As added by P.L.276-2013, SEC.10.
Ind. Code § 27-16-5-2 — Indiana Code / Title 27 / Article 16 / Chapter 5 / Section 27-16-5-2
Renewal fee
Status: in_force

Sec. 2. Upon the filing of an annual renewal of a registration under IC 27-16-4-4, a PEO shall pay a renewal fee not to exceed two hundred fifty dollars ($250).

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-8-13.5-2 — Indiana Code / Title 27 / Article 8 / Chapter 13.5 / Section 27-8-13.5-2
"High breast density"
Status: in_force

Sec. 2. As used in this chapter, "high breast density" means a condition in which there is a greater amount of breast and connective tissue in comparison to fat in the breast.

As added by P.L.126-2013, SEC.4.
Ind. Code § 27-7-3.6-7 — Indiana Code / Title 27 / Article 7 / Chapter 3.6 / Section 27-7-3.6-7
Fees
Status: in_force

Sec. 7. (a) A person that purchases a title insurance policy shall pay to the title insurer that issues the title insurance policy a fee of five dollars ($5) as a fee for the title insurance enforcement fund at the time of payment for the title insurance policy.

(b) A title insurer shall:

(1) retain two dollars ($2) of the fee collected under subsection (a) as an administrative fee; and

(2) pay to the department three dollars ($3) of the fee collected under subsection (a) for deposit in the title insurance enforcement fund.

As added by P.L.171-2006, SEC.5.
Ind. Code § 27-1-37.3-9 — Indiana Code / Title 27 / Article 1 / Chapter 37.3 / Section 27-1-37.3-9
Identification of contractual source of discounts
Status: in_force

Sec. 9. A contractor that leases, rents, or otherwise grants access to a provider's health care services under section 7 of this chapter shall ensure that an explanation of benefits or remittance advice furnished to the provider that delivers health care services under the health care contract identifies the contractual source of any discount that applies.

As added by P.L.55-2008, SEC.1.
Ind. Code § 27-13-38-7 — Indiana Code / Title 27 / Article 13 / Chapter 38 / Section 27-13-38-7
Prescription drug coverage
Status: in_force

Sec. 7. (a) The definitions in IC 27-13-7-23 apply throughout this section.

(b) A health maintenance organization shall not remove a prescription drug from the health maintenance organization's formulary, change the cost sharing requirements that apply to a prescription drug, or change the utilization review program requirements that apply to a prescription drug unless that health maintenance organization does at least one (1) of the following:

(1) At least sixty (60) days before the removal or change is effective, send written notice of the removal or change to each enrollee for whom the prescription drug has been prescribed during the preceding twelve (12) month period.

(2) At the time an enrollee for whom the prescription drug has been prescribed during the preceding twelve (12) month period requests a refill of the prescription drug, provide to the enrollee:

(A) written notice of the removal or change; and

(B) a sixty (60) day supply of the prescription drug under the terms that applied before the removal or change.

As added by P.L.19-2016, SEC.6.
Ind. Code § 27-13-2-4 — Indiana Code / Title 27 / Article 13 / Chapter 2 / Section 27-13-2-4
Certificate of authority application; verification; form
Status: in_force

Sec. 4. An application for a certificate of authority to operate a health maintenance organization must be:

(1) verified by an officer or authorized representative of the applicant; and

(2) submitted on a form prescribed by the commissioner.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-6-4-1 — Indiana Code / Title 27 / Article 6 / Chapter 4 / Section 27-6-4-1
Repealed
Status: repealed

Formerly: Acts 1963, c.315, s.4. As amended by P.L.252-1985, SEC.214; P.L.28-1988, SEC.82; P.L.170-1991, SEC.27. Repealed by P.L.117-2021, SEC.5.
Ind. Code § 27-7-3-6 — Indiana Code / Title 27 / Article 7 / Chapter 3 / Section 27-7-3-6
Certificate of authority; requirements; issuance; necessity to do business
Status: in_force

Sec. 6. (a) Whenever any such company shall have shown to the department by a sworn statement, verified by the oaths of the president or a vice president and the secretary or an assistant secretary of the company and bearing the corporate seal of such company, that it has complied with all the requirements of this chapter necessary for beginning business and that it has deposited the amount as required in section 7 of this chapter, the commissioner shall issue a certificate of authority reciting that such company has complied with the provisions of this chapter and is authorized to insure against the loss or damage on account of encumbrances upon or defects in the title to real estate, which certificate shall expire as of midnight of April 30 of each calendar year. The certificate shall be issued under the seal of the department.

(b) No person, firm, partnership, corporation, association, or company shall transact any business of insuring against loss or damage on account of encumbrances upon or defects in the title to real estate until it or they shall have received a certificate of authority as provided for in this section.

Formerly: Acts 1937, c.104, s.6. As amended by P.L.252-1985, SEC.252.
Ind. Code § 27-15-1-2 — Indiana Code / Title 27 / Article 15 / Chapter 1 / Section 27-15-1-2
Conversion generally
Status: in_force

Sec. 2. (a) Any domestic mutual insurance company that:

(1) maintains its executive offices in Indiana; and

(2) employs at least five hundred (500) persons or a substantial percentage of its workforce in Indiana;

may, by amendment to its articles of incorporation, convert to a stock insurance company by means of a plan of conversion described in IC 27-15-2-2 or a simple plan of conversion described in IC 27-15-2-3 and IC 27-1-8.

(b) The commissioner shall determine whether a mutual insurance company meets the requirements of subsection (a)(2).

As added by P.L.94-1999, SEC.3. Amended by P.L.14-2000, SEC.61.
Ind. Code § 27-1-36-21 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-21
"Regulatory action level event"
Status: in_force

Sec. 21. As used in this chapter, "regulatory action level event" has the meaning set forth in section 35 of this chapter.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-15-15-1 — Indiana Code / Title 27 / Article 15 / Chapter 15 / Section 27-15-15-1
Petition for review
Status: in_force

Sec. 1. A person who is aggrieved by an agency action of the commissioner under this article may petition for judicial review of the action under IC 4-21.5-5.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-1-15.6-4 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-4
Insurance producer license; when not required
Status: in_force

Sec. 4. (a) As used in this section, "insurer" does not include an officer, director, employee, subsidiary, or affiliate of an insurer.

(b) This chapter does not require an insurer to obtain an insurance producer license.

(c) The following are not required to be licensed as an insurance producer:

(1) An officer, director, or employee of an insurer or of an insurance producer, if the officer, director, or employee does not receive any commission on policies written or sold to insure risks that reside, are located, or are to be performed in Indiana, and if:

(A) the officer, director, or employee's activities are executive, administrative, managerial, clerical, or a combination of these, and are only indirectly related to the sale, solicitation, or negotiation of insurance;

(B) the officer, director, or employee's function relates to underwriting, loss control, inspection, or the processing, adjusting, investigating, or settling of a claim on a contract of insurance; or

(C) the officer, director, or employee is acting in the capacity of a special agent or agency supervisor assisting insurance producers and the officer, director, or employee's activities are limited to providing technical advice and assistance to licensed insurance producers and do not include the sale, solicitation, or negotiation of insurance.

(2) A person who secures and furnishes information for the purpose of:

(A) group life insurance, group property and casualty insurance, group annuities, or group or blanket accident and sickness insurance;

(B) enrolling individuals under plans;

(C) issuing certificates under plans or otherwise assisting in administering plans; or

(D) performing administrative services related to mass marketed property and casualty insurance;

where no commission is paid to the person for the service.

(3) A person identified in clauses (A) through (C) who is not in any manner compensated, directly or indirectly, by a company issuing a contract, to the extent that the person is engaged in the administration or operation of a program of employee benefits for the employer's or association's employees, or for the employees of a subsidiary or affiliate of the employer or association, that involves the use of insurance issued by an insurer:

(A) An employer or association.

(B) An officer, director, or employee of an employer or association.

(C) The trustees of an employee trust plan.

(4) An:

(A) employee of an insurer; or

(B) organization employed by insurers;

that is engaged in the inspection, rating, or classification of risks, or in the supervision of the training of insurance producers, and that is not individually engaged in the sale, solicitation, or negotiation of insurance.

(5) A person whose activities in Indiana are limited to advertising, without the intent to solicit insurance in Indiana, through communications in printed publications or other forms of electronic mass media whose distribution is not limited to residents of Indiana, provided that the person does not sell, solicit, or negotiate insurance that would insure risks residing, located, or to be performed in Indiana.

(6) A person who is not a resident of Indiana and who sells, solicits, or negotiates a contract of insurance for commercial property and casualty risks to an insured with risks located in more than one (1) state insured under that contract, provided that:

(A) the person is otherwise licensed as an insurance producer to sell, solicit, or negotiate the insurance in the state where the insured maintains its principal place of business; and

(B) the contract of insurance insures risks located in that state.

(7) A salaried full-time employee who counsels or advises the employee's employer about the insurance interests of the employer or of the subsidiaries or business affiliates of the employer, provided that the employee does not sell or solicit insurance or receive a commission.

(8) An officer, employee, or representative of a rental company (as defined in IC 24-4-9-7) who negotiates or solicits insurance incidental to and in connection with the rental of a motor vehicle.

(9) An individual who:

(A) furnishes only title insurance rate information at the request of a consumer; and

(B) does not discuss the terms or conditions of a title insurance policy.

(10) An employee or authorized representative of a vendor that is licensed as a limited lines producer under this chapter to sell, solicit, or negotiate portable electronics insurance incidental to and in connection with portable electronics transactions as described in IC 27-1-15.9.

(11) An employee or authorized representative of a self-storage facility that is licensed as a limited lines producer under this chapter to sell, solicit, or negotiate self-storage insurance incidental to and in connection with self-storage rental agreements as described in IC 27-1-16.1.

As added by P.L.132-2001, SEC.3. Amended by P.L.129-2003, SEC.3; P.L.64-2004, SEC.22; P.L.4-2012, SEC.1; P.L.81-2013, SEC.1; P.L.2-2014, SEC.114.
Ind. Code § 27-8-29-8 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-8
"Grievance procedure" defined
Status: in_force

Sec. 8. As used in this chapter, "grievance procedure" has the meaning set forth in IC 27-8-28-7.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14.
Ind. Code § 27-8-3-20 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-20
Foreign corporations; service of process
Status: in_force

Sec. 20. All processes in any action or proceeding against any foreign corporation, association, or society doing business in this state under the provisions of this chapter may be served upon an individual resident of Indiana, a corporate resident of Indiana, or an authorized Indiana insurer, appointed by the corporation, association, or society as its agent for service of process, and any lawful process against it which is served on the agent shall be of the same legal force and validity as if served on the corporation, association, or society, and this provision shall continue in force so long as any liability remains outstanding against the corporation, association, or society in this state, service upon such agent shall be deemed sufficient service upon the principal. When legal process against any such corporation, association, or society is served upon such agent, the agent shall immediately notify the corporation, association, or society of such service by registered letter, prepaid, directed to its secretary, or, in case of a corporation, association or society of a foreign country, to the resident manager, if any, in this country, and shall, within two (2) days after such service, forward in the same manner a copy of the process served on the agent to such secretary or manager, or to any person previously designated by the corporation, association, or society, in writing. The agent shall keep a record of all processes served upon the agent which record shall show the day and hour when such service was made.

Formerly: Acts 1897, c.195, s.20. As amended by P.L.252-1985, SEC.291; P.L.130-1994, SEC.42; P.L.116-1994, SEC.58; P.L.268-1999, SEC.20.
Ind. Code § 27-1-22-20 — Indiana Code / Title 27 / Article 1 / Chapter 22 / Section 27-1-22-20
High risk auto insurance; apportionment agreements; rate modifications
Status: in_force

Sec. 20. Agreements may be made among insurers with respect to the equitable apportionment among them of:

(1) automobile;

(2) bodily injury liability; and

(3) property damage;

insurance which may be afforded applicants who are in good faith entitled to but who are unable to procure such insurance through ordinary methods. The insurers may agree among themselves on the use of reasonable rate modifications for the insurance, and the agreements and rate modifications are subject to the terms of this chapter.

Formerly: Acts 1967, c.133, s.20. As amended by P.L.252-1985, SEC.121; P.L.59-2022, SEC.1.
Ind. Code § 27-13-30-1 — Indiana Code / Title 27 / Article 13 / Chapter 30 / Section 27-13-30-1
Public records; exemptions; annual financial statement
Status: in_force

Sec. 1. (a) All applications, filings, and reports required under this article shall be treated as public records under IC 5-14-3, except those that are:

(1) trade secrets; or

(2) privileged or confidential:

(A) quality management information; or

(B) commercial or financial information.

(b) An annual financial statement required under IC 27-13-8 is not exempt from treatment as a public document under subsection (a)(2)(B).

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-7-3.6-1 — Indiana Code / Title 27 / Article 7 / Chapter 3.6 / Section 27-7-3.6-1
Title insurance enforcement fund established; uses of fund
Status: in_force

Sec. 1. The title insurance enforcement fund is established for the following purposes:

(1) To provide supplemental funding for department operations that are related to title insurance, including any of the following:

(A) The investigation of any matter concerning title insurance transactions in Indiana, to the extent necessary to determine compliance with this title.

(B) Appropriate administrative and civil actions to redress instances of noncompliance with this title.

(C) Cooperative efforts with federal, state, and local law enforcement agencies in investigating the following:

(i) Deceptive acts in connection with title insurance transactions.

(ii) Criminal violations involving deceptive acts in connection with title insurance transactions.

(iii) Violations of the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) and any other federal laws or regulations concerning title insurance transactions. To the extent authorized by federal law, the department may enforce compliance with the federal statutes or regulations described in this item or refer suspected violations of the statutes or regulations to the appropriate federal regulatory agencies.

(D) Actions to enjoin violations of 12 U.S.C. 2607, as permitted under 12 U.S.C. 2607(d) and 12 U.S.C. 2614.

(2) To pay the costs of hiring and employing staff in the area of enforcement of title insurance law.

(3) To provide funding for educational materials or services designed to provide information to consumers about residential title insurance transactions.

As added by P.L.171-2006, SEC.5. Amended by P.L.145-2008, SEC.32.
Ind. Code § 27-6-9-3 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-3
Controlling person
Status: in_force

Sec. 3. As used in this chapter, "controlling person" means any person, firm, association, limited liability company, or corporation who directly or indirectly has the power to direct or cause to be directed, the management, control, or activities of a reinsurance intermediary.

As added by P.L.26-1991, SEC.26. Amended by P.L.8-1993, SEC.423.
Ind. Code § 27-1-4.1-8 — Indiana Code / Title 27 / Article 1 / Chapter 4.1 / Section 27-1-4.1-8
CGAD submitted by insurance group member
Status: in_force

Sec. 8. If a CGAD is submitted by an insurer as a member of an insurance group, the lead state commissioner of the insurance group (as determined by the procedures in the Financial Analysis Handbook) shall:

(1) review a CGAD submitted under section 6 of this chapter; and

(2) make any requests for additional information.

As added by P.L.146-2015, SEC.19. Amended by P.L.124-2018, SEC.11.
Ind. Code § 27-1-3.1-3 — Indiana Code / Title 27 / Article 1 / Chapter 3.1 / Section 27-1-3.1-3
Department
Status: in_force

Sec. 3. As used in this chapter, "department" refers to the department of insurance of Indiana.

As added by P.L.26-1991, SEC.5.
Ind. Code § 27-13-34-15 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-15
Required contract terms and conditions; exemptions
Status: in_force

Sec. 15. All contracts with providers or with entities subcontracting for the provision of limited health services to enrollees on a prepayment basis or other basis must contain, or shall be construed to contain, the following terms and conditions:

(1) If the limited service health maintenance organization fails to pay for limited health services for any reason whatsoever, including insolvency or breach of this contract, the enrollees shall not be liable to the provider for any sums owed to the provider under this contract.

(2) No provider or agent, trustee, representative, or assignee of a provider may maintain an action at law or attempt to collect from the enrollee sums that the limited service health maintenance organization owes to the provider.

(3) These provisions do not prohibit the collection of:

(A) uncovered charges consented to by enrollees; or

(B) copayments;

from enrollees.

(4) The contract may not provide for a financial or other penalty to a primary care provider for making a referral permitted under IC 27-13-36-5(a), but may provide for reasonable cost sharing between the primary care provider and the limited service health maintenance organization for the additional costs incurred as a result of services provided by an out of network provider.

(5) These provisions survive the termination of this contract, regardless of the reason for the termination.

(6) For not more than ninety (90) days after the termination of this contract, the provider must complete procedures in progress on an enrollee receiving treatment for a specific condition, at the same schedule of copayment or other applicable charge that is in effect on the effective date of termination of the contract.

(7) An amendment to the provisions of this contract set forth in subdivisions (1) through (6) must be:

(A) submitted to; and

(B) approved by;

the commissioner before it becomes effective.

As added by P.L.26-1994, SEC.25. Amended by P.L.69-1998, SEC.13.
Ind. Code § 27-7-2-1 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-1
Repealed
Status: repealed

Formerly: Acts 1935, c.323, s.1. As amended by P.L.252-1985, SEC.227; P.L.28-1988, SEC.86. Repealed by P.L.249-1989, SEC.19.
Ind. Code § 27-1-37.1-7 — Indiana Code / Title 27 / Article 1 / Chapter 37.1 / Section 27-1-37.1-7
Effective date of termination
Status: in_force

Sec. 7. The termination of a contract under section 6 of this chapter is effective:

(1) ninety (90) days after the person with whom the provider contracts receives written notice from the provider that the provider does not approve the amendment; or

(2) on a date earlier than the date described in subdivision (1), if agreed to by the person with whom the provider contracts and the provider.

As added by P.L.196-2001, SEC.1.
Ind. Code § 27-1-12.1-1 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-1
Affiliate
Status: in_force

Sec. 1. As used in this chapter, "affiliate" means a domestic life insurance company that is a wholly owned subsidiary of the parent of a limited purpose subsidiary.

As added by P.L.11-2011, SEC.7.
Ind. Code § 27-13-26-2 — Indiana Code / Title 27 / Article 13 / Chapter 26 / Section 27-13-26-2
Violation of article
Status: in_force

Sec. 2. For purposes of section 1(a)(2) of this chapter, the violation by a health maintenance organization of any Indiana law to which the health maintenance organization is subject is considered a violation of this article.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-44.5-10 — Indiana Code / Title 27 / Article 1 / Chapter 44.5 / Section 27-1-44.5-10
Health care data privacy
Status: in_force

Sec. 10. The collection, storage, and release of health care data and other information under this chapter is subject to the federal Health Insurance Portability and Accountability Act (42 U.S.C. 201 et seq.), as amended.

As added by P.L.195-2021, SEC.10.
Ind. Code § 27-2-16-4 — Indiana Code / Title 27 / Article 2 / Chapter 16 / Section 27-2-16-4
Identification cards and benefit booklets; utilization review determination clause
Status: in_force

Sec. 4. An insurer shall include on each identification card and on all benefit booklets that are delivered to an enrollee (as defined in IC 27-8-17-3) whose policy requires a utilization review determination (as defined in IC 27-8-17-8) a printed statement in boldface 8 point type in the benefit booklets and in 6 point type on the identification cards that reads substantially as follows:

"NOTICE: Precertification or preauthorization does NOT guarantee coverage for or the payment of the service or procedure reviewed.".

As added by P.L.132-1994, SEC.1.
Ind. Code § 27-1-24.5-19 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-19
Equal access and incentives; prohibited acts
Status: in_force

Sec. 19. (a) A pharmacy benefit manager shall provide equal access and incentives to all pharmacies within the pharmacy benefit manager's network.

(b) A pharmacy benefit manager may not do any of the following:

(1) Condition participation in any network on accreditation, credentialing, or licensing of a pharmacy, other than a license or permit required by the Indiana board of pharmacy or other state or federal regulatory authority for the services provided by the pharmacy. However, nothing in this subdivision precludes the department from providing credentialing or accreditation standards for pharmacies.

(2) Discriminate against any pharmacy.

(3) Directly or indirectly retroactively deny a claim or aggregate of claims after the claim or aggregate of claims has been adjudicated, unless any of the following apply:

(A) The original claim was submitted fraudulently.

(B) The original claim payment was incorrect because the pharmacy or pharmacist had already been paid for the drug.

(C) The pharmacist services were not properly rendered by the pharmacy or pharmacist.

(4) Reduce, directly or indirectly, payment to a pharmacy for pharmacist services to an effective rate of reimbursement, including permitting an insurer or plan sponsor to make such a reduction.

(5) Reimburse a pharmacy that is affiliated with the pharmacy benefit manager, other than solely being included in the pharmacy benefit manager's network, at a greater reimbursement rate than other pharmacies in the same network.

(6) Impose limits, including quantity limits or refill frequency limits, on a pharmacy's access to medication that differ from those existing for a pharmacy benefit manager affiliate.

(7) Share any covered individual's information, including de-identified covered individual information, received from a pharmacy or pharmacy benefit manager affiliate, except as permitted by the federal Health Insurance Portability and Accountability Act (HIPAA) (P.L.104-191).

A violation of this subsection by a pharmacy benefit manager constitutes an unfair or deceptive act or practice in the business of insurance under IC 27-4-1-4.

As added by P.L.68-2020, SEC.1. Amended by P.L.32-2021, SEC.78; P.L.196-2021, SEC.22.
Ind. Code § 27-9-3-35 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-35
Claims subject to contingencies
Status: in_force

Sec. 35. (a) The claim of a third party that is contingent only on his first obtaining a judgment against the insured must be considered and allowed as if there were no contingency.

(b) If a claim is filed in accordance with section 33 of this chapter, it may be allowed even if contingent. A contingent claim may be allowed and may participate in all distributions declared after it is filed to the extent that it does not prejudice the orderly administration of the liquidation.

(c) Claims that are due except for the passage of time must be treated as absolute claims are treated, except that the claims may be discounted at the legal rate of interest.

(d) Claims made under employment contracts by directors or principal officers (or persons performing similar functions or having similar powers) are limited to payment for services provided before the issuance of any order of rehabilitation or liquidation under sections 2 or 7 of this chapter.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-8-5-22 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-22
Refund of unused premiums
Status: in_force

Sec. 22. (a) All individual policies of accident and sickness insurance issued for delivery in Indiana after June 30, 1990, must provide for the refund of unused premiums upon the death of the insured during the contract period.

(b) The amount of premium refund shall be prorated from the date following the date of death of the insured to the end of the contract period for which the premium has been paid.

(c) The refund required by this section shall be paid as follows:

(1) If a person other than the insured paid the premium, to that person. A person entitled to a refund under this subdivision must furnish proof of payment to the insurer.

(2) If the insured paid the premium, to the surviving spouse of the insured. If there is no surviving spouse, the premium shall be paid in the same manner as distributions of the net estate of a person who dies intestate under IC 29-1-2-1(d). A parent disqualified under IC 29-1-2-1(e) from receiving an intestate share of the parent's child's estate is not entitled to a refund under this section of insurance premiums paid by the child.

(d) A person entitled to receive a refund under this section must do the following:

(1) Submit a written request for the refund.

(2) Furnish proof of the insured's death.

(e) This section does not affect the rights of a dependent under a policy covered by this section to obtain a conversion policy upon the death of the insured.

As added by P.L.151-1990, SEC.1. Amended by P.L.101-2008, SEC.4.
Ind. Code § 27-13-1-12 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-12
"Enrollee"
Status: in_force

Sec. 12. "Enrollee" means a subscriber or a subscriber's dependent who is covered by a health maintenance organization.

As added by P.L.26-1994, SEC.25. Amended by P.L.191-1997, SEC.1.
Ind. Code § 27-8-5-13 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-13
Repeal of 1935 act
Status: repealed

Sec. 13. Acts 1935, c.162, s.174 is hereby expressly repealed except as to policies issued before February 20, 1953, and except as to policies which under section 9 of this chapter continue to be issued under said section 174 prior to January 1, 1956.

Formerly: Acts 1953, c.15, s.169.13. As amended by P.L.252-1985, SEC.309.
Ind. Code § 27-7-18-10 — Indiana Code / Title 27 / Article 7 / Chapter 18 / Section 27-7-18-10
"Third party"
Status: in_force

Sec. 10. (a) As used in this chapter, "third party" means a person that enters into a contract with a contracting entity or another third party to gain access to:

(1) a provider network contract;

(2) dental services provided pursuant to a provider network contract; or

(3) contractual discounts provided pursuant to a provider network contract.

(b) The term does not include an employer or another group or entity for which the contracting entity provides administrative services.

As added by P.L.17-2024, SEC.19.
Ind. Code § 27-1-52-0.3 — Indiana Code / Title 27 / Article 1 / Chapter 52 / Section 27-1-52-0.3
Applicability
Status: in_force

Sec. 0.3. This chapter does not apply to the Medicaid program or a managed care organization (as defined in IC 12-7-2-126.9) that provides services to a Medicaid recipient.

As added by P.L.88-2026, SEC.6.
Ind. Code § 27-15-14-3 — Indiana Code / Title 27 / Article 15 / Chapter 14 / Section 27-15-14-3
Approval of application; public hearing
Status: in_force

Sec. 3. The commissioner shall approve the application and permit the conversion under a plan of conversion and an amendment to the articles of incorporation described in this chapter if the commissioner finds, following a public hearing, that the plan of conversion and the amendment to the articles of incorporation are in the best interests of the members and policyholders of the converting mutual, without regard to their membership interests.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-14.5-4-4 — Indiana Code / Title 27 / Article 14.5 / Chapter 4 / Section 27-14.5-4-4
Public hearing
Status: in_force

Sec. 4. At a hearing held under this chapter:

(1) any interested person may appear;

(2) any interested person may:

(A) file a written statement; or

(B) make an oral presentation; and

(3) at the discretion of the commissioner or the commissioner's appointee, testimony may be taken under oath or by affirmation.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-13-36.2-9 — Indiana Code / Title 27 / Article 13 / Chapter 36.2 / Section 27-13-36.2-9
Claim overpayment adjustment
Status: in_force

Sec. 9. Every subsequent claim that is adjusted by a health maintenance organization for reimbursement on an overpayment of a previous provider claim made to the provider must be accompanied by an explanation of the reason for the adjustment, including:

(1) an identification of:

(A) the claim on which the overpayment was made; and

(B) if ascertainable, the party financially responsible for the amount overpaid; and

(2) the amount of the overpayment that is being reimbursed to the health maintenance organization through the adjusted subsequent claim.

As added by P.L.55-2006, SEC.4.
Ind. Code § 27-1-28-6 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-6
Independent adjuster
Status: in_force

Sec. 6. (a) As used in this chapter, "independent adjuster" means a person, or an independent contractor or employee of a person, that:

(1) contracts for compensation with insurers or self-insurers to investigate, negotiate, or settle property, casualty, or worker's compensation claims; and

(2) for tax purposes is treated by the insurers or self-insurers in a manner consistent with treatment of an independent contractor rather than an employee under Title 26, Subtitle C of the Internal Revenue Code.

(b) The term does not include the following:

(1) An attorney who:

(A) is admitted to practice in Indiana; and

(B) acts in a professional capacity as an attorney.

(2) A person employed solely to do any of the following:

(A) Obtain facts surrounding a claim.

(B) Furnish technical assistance to a licensed independent adjuster.

(3) An individual:

(A) who is an employee of:

(i) an independent adjuster who is licensed under this chapter; or

(ii) an affiliate of an independent adjuster who is licensed under this chapter;

(B) who is supervised by:

(i) an independent adjuster licensed under this chapter; or

(ii) an insurance producer licensed under IC 27-1-15.6;

who supervises not more than twenty-five (25) persons described in this subdivision; and

(C) who is employed solely to:

(i) collect claim information from insureds or claimants;

(ii) furnish claim information to insureds or claimants; or

(iii) perform data entry into an automated claims adjudication system.

(4) An individual who is employed to investigate suspected fraudulent insurance claims, but who does not adjust losses or determine claim payments.

(5) A person that:

(A) performs only executive, administrative, managerial, or clerical duties; and

(B) does not investigate, negotiate, or settle claims with policyholders, claimants, or legal representatives of policyholders or claimants.

(6) A person that settles only reinsurance or subrogation claims.

(7) An officer, director, manager, or employee of an authorized insurer, a managing general agent, a surplus lines insurer, a risk retention group, or an attorney in fact of a reciprocal insurer.

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

(9) A person that investigates, negotiates, or settles life, accident and health, annuity, or disability insurance claims.

(10) Under a self-insured arrangement, an individual who adjusts claims on behalf of the individual's employer.

(11) A licensed insurance producer, an attorney in fact of a reciprocal insurer, or a managing general agent of an insurer to whom claim authority has been granted by the insurer.

(12) A person that is authorized to adjust worker's compensation or disability claims under the authority of a third party administrator.

(13) A person that investigates, negotiates, or settles crop insurance claims.

(14) An individual who:

(A) does not adjust losses or determine claim payments; and

(B) is employed to use a specialized skill possessed by the individual to make a determination:

(i) concerning an element of a claim; and

(ii) that is used by an independent adjuster, or an adjuster who is directly employed by an insurer, in adjusting a loss or determining a claim payment.

As added by P.L.11-2011, SEC.22.
Ind. Code § 27-11-1-2 — Indiana Code / Title 27 / Article 11 / Chapter 1 / Section 27-11-1-2
Application of definitions
Status: in_force

Sec. 2. The definitions in this chapter apply throughout this article.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-13-10-13 — Indiana Code / Title 27 / Article 13 / Chapter 10 / Section 27-13-10-13
Adoption of rules
Status: in_force

Sec. 13. The department may adopt rules under IC 4-22-2 to implement this chapter.

As added by P.L.191-1997, SEC.13.
Ind. Code § 27-1-27-16 — Indiana Code / Title 27 / Article 1 / Chapter 27 / Section 27-1-27-16
Contents required in contract between public adjuster and insured
Status: in_force

Sec. 16. (a) A public adjuster shall ensure that a contract between the public adjuster and an insured is in writing and contains the following:

(1) The legible full name of the public adjuster entering into the contract, as specified in the records of the department.

(2) The permanent home state business address, electronic mail address, and phone number of the public adjuster.

(3) The number of the certificate of authority issued to the public adjuster under section 3 of this chapter.

(4) The title "Public Adjuster Contract" printed prominently at the top of the first page of the contract.

(5) The:

(A) full name and street address of the insured; and

(B) the name of the insurance company by which the insured is covered and the policy number of the policy under which the insured is covered, if known.

(6) A description of the loss and the location of the loss, if applicable.

(7) A description of services to be provided by the public adjuster to the insured under the contract.

(8) The signatures of:

(A) the public adjuster or the public adjuster's authorized representative; and

(B) the insured.

(9) The date and time when the contract was signed by the public adjuster and the date and time when the contract was signed by the insured.

(10) Attestation language stating that the public adjuster is fully bonded under Indiana law.

(11) A statement of the full salary, fee, commission, compensation, or other consideration the public adjuster is to receive for services to be provided under the contract.

(b) A contract between the public adjuster and an insured may specify that the public adjuster is to be named as a co-payee on an insurer's payment of a claim.

(c) If a public adjuster's compensation under a contract between the public adjuster and an insured is to be based on a share of the total amount paid by the insurer to resolve the insured's claim, the contract must specify the exact percentage of the total amount paid by the insurer that is the public adjuster's share.

(d) If, under a contract between a public adjuster and an insured, the public adjuster's expenses are to be reimbursed to the public adjuster from the proceeds of the claim payment, the contract:

(1) must specify the public adjuster's expenses that are to be reimbursed, setting forth:

(A) each type of expense to be reimbursed; and

(B) dollar estimates of the amount to be reimbursed; and

(2) must provide that the public adjuster will not be reimbursed for any expenses other than those specified under subdivision (1) unless those expenses are first approved by the insured.

(e) The provisions of a contract between a public adjuster and an insured pertaining to the compensation of the public adjuster shall not be redacted in any copy of the contract that is provided to the insurance commissioner.

As added by P.L.226-2023, SEC.11.
Ind. Code § 27-5.1-4-7 — Indiana Code / Title 27 / Article 5.1 / Chapter 4 / Section 27-5.1-4-7
Investments
Status: in_force

Sec. 7. An extended company shall make investments in accordance with IC 27-1-13-3.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-1-36-23 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-23
"Revised RBC plan"
Status: in_force

Sec. 23. As used in this chapter, "revised RBC plan" means the revised RBC plan that an insurer must prepare, with or without the commissioner's recommendation, if the commissioner rejects the insurer's previous RBC plan.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-1-15.8-2 — Indiana Code / Title 27 / Article 1 / Chapter 15.8 / Section 27-1-15.8-2
Other provisions applicable to licensure of surplus lines producers
Status: in_force

Sec. 2. The following provisions of IC 27-1-15.6 apply to licensure of surplus lines producers under this chapter:

(1) IC 27-1-15.6-5.

(2) IC 27-1-15.6-6.

(3) IC 27-1-15.6-8 through IC 27-1-15.6-13.

(4) IC 27-1-15.6-15 through IC 27-1-15.6-17.

(5) IC 27-1-15.6-21.

(6) IC 27-1-15.6-32 through IC 27-1-15.6-34.

As added by P.L.132-2001, SEC.5.
Ind. Code § 27-19-2-11 — Indiana Code / Title 27 / Article 19 / Chapter 2 / Section 27-19-2-11
"Medicaid"
Status: in_force

Sec. 11. "Medicaid" refers to the federal Medicaid program (42 U.S.C. 1396 et seq.).

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-1-37.5-1.6 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-1.6
"Authorization"
Status: in_force

Sec. 1.6. As used in this chapter, "authorization" means a determination by a utilization review entity that:

(1) a health care service:

(A) has been reviewed; and

(B) based on the information provided, satisfies the utilization review entity's requirements for medical necessity; and

(2) payment will be made for the health care service.

As added by P.L.144-2025, SEC.4.
Ind. Code § 27-8-31-17 — Indiana Code / Title 27 / Article 8 / Chapter 31 / Section 27-8-31-17
Dissolution of compact
Status: in_force

Sec. 17. The compact dissolves effective on the date of the withdrawal or default of the compacting state that reduces membership in the compact to one (1) compacting state. Upon the dissolution of this compact, the compact is null and void and is of no further force or effect, and the business and affairs of the commission shall be wound up and any surplus funds shall be distributed in accordance with the bylaws.

As added by P.L.138-2005, SEC.3.
Ind. Code § 27-7-3-15 — Indiana Code / Title 27 / Article 7 / Chapter 3 / Section 27-7-3-15
Collection of charges, fees, and taxes; disposition
Status: in_force

Sec. 15. The department shall collect the charges, fees and taxes provided for in this section, and give proper acquittances for the collection, and on or before the end of every calendar month shall pay into the state treasury the amounts collected by it during such month, as follows:

Fees. Domestic Companies: Every domestic company shall pay to the department the following stipulated fees: For filing annual statement, twenty dollars ($20); for license to such company, and for each renewal of the license, five dollars ($5); and for affixing seal or certifying to any paper, one dollar ($1). The department may require payment of fees on or before the first day of the month next after the same are chargeable.

Fees. Foreign Companies: Every such foreign company shall pay to the department the following stipulated fees: For filing annual statement, twenty dollars ($20); for license to such company, and for each annual renewal of the license, five dollars ($5); for filing withdrawal and cancellation of certificate, twenty dollars ($20); and for affixing seal or certifying to any paper, one dollar ($1).

Formerly: Acts 1937, c.104, s.15. As amended by P.L.136-2018, SEC.184.
Ind. Code § 27-1-12.1-13 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-13
Admitted assets
Status: in_force

Sec. 13. (a) If approved by the commissioner, the following are considered to be and must be reported as admitted assets of a limited purpose subsidiary:

(1) Proceeds from a securitization, premiums, and other amounts payable by an affiliate to the limited purpose subsidiary.

(2) Letters of credit.

(3) Guarantees of the parent.

(4) Other assets.

(b) If the commissioner determines that the value of admitted assets that:

(1) were previously approved by the commissioner under subsection (a); and

(2) are not assets that are addressed by the Accounting Practices and Procedures Manual;

has decreased, the commissioner may require the limited purpose subsidiary to provide additional security or collateral.

(c) The commissioner shall, at least thirty (30) days before taking action under subsection (b):

(1) notify the limited purpose subsidiary of the action; and

(2) provide to the limited purpose subsidiary an opportunity to remedy the issues identified by the commissioner.

As added by P.L.11-2011, SEC.7. Amended by P.L.115-2011, SEC.4; P.L.124-2018, SEC.18.