Ind. Code § 27-1-3-25 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-25
Review of ordinary shareholder dividends to determine reasonableness
Status: in_force

Sec. 25. The department shall establish and maintain a procedure under which the department, at least one (1) time each year, reviews the ordinary shareholder dividends paid by each domestic insurer to determine whether dividends paid by the insurer are reasonable in relation to the following:

(1) The adequacy of the level of surplus as regards policyholders of the insurer remaining after the payment of dividends.

(2) The quality of the earnings of the insurer and the extent to which the reported earnings of the insurer include extraordinary items, such as surplus relief, reinsurance transactions, and reserve destrengthening.

As added by P.L.130-1994, SEC.4 and P.L.116-1994, SEC.8.
Ind. Code § 27-8-16-4 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-4
"Medical claims review" defined
Status: in_force

Sec. 4. (a) As used in this chapter, "medical claims review" means the determination of the reimbursement to be provided under the terms of an insurance policy, a health maintenance organization contract, or another benefit program providing payment, reimbursement, or indemnification for health care costs based on the appropriateness of health care services or the amount charged for a health care service delivered to an enrollee.

(b) The term does not include the prospective, concurrent, or retrospective utilization review of health care services.

(c) The term does not include the identification of alternative, optional medical care that:

(1) requires the approval of the enrollee or covered individual; and

(2) does not affect coverage or benefits if rejected by the enrollee or covered individual.

As added by P.L.128-1992, SEC.2. Amended by P.L.135-1994, SEC.1.
Ind. Code § 27-1-18-1 — Indiana Code / Title 27 / Article 1 / Chapter 18 / Section 27-1-18-1
Policy provisions; foreign insurers; domestic insurers doing business in foreign state
Status: in_force

Sec. 1. The policies of a foreign or alien life insurance company, may, when issued in this state, contain any provision which the laws of the state, territory, district, or country under which the company is organized prescribes shall be in such policies and the method of valuation of such policies required by the laws of the state, territory, district, or country where such company is organized, shall be accepted by the department, and the policies of a life insurance company organized under the laws of this state may, when issued or delivered in any other state, territory, district, or country contain any provisions required by the laws of the state, territory, district, or country in which the same are issued or delivered, anything in this article other than in IC 27-1-12-5(5) to the contrary notwithstanding, provided that the provisions of the laws of such state, territory, district, or country are shown to the satisfaction of the department to as carefully safeguard the policyholders as do the laws of this state.

Formerly: Acts 1935, c.162, s.234. As amended by P.L.252-1985, SEC.76.
Ind. Code § 27-2-19-2 — Indiana Code / Title 27 / Article 2 / Chapter 19 / Section 27-2-19-2
"Insurer" defined
Status: in_force

Sec. 2. As used in this chapter, "insurer" means a person who transacts a property and casualty insurance business.

As added by P.L.187-1996, SEC.1.
Ind. Code § 27-2-27-20 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-20
Incident response plan
Status: in_force

Sec. 20. (a) As part of its information security program, a licensee shall establish a written incident response plan designed to promptly respond to, and recover from, any cybersecurity event.

(b) An incident response plan must include the following:

(1) The internal process for responding to a cybersecurity event.

(2) The goals of the incident response plan.

(3) The definition of clear roles, responsibilities, and levels of decision making authority.

(4) External and internal communications and information sharing.

(5) Identification of requirements for the remediation of any identified weaknesses in information systems and associated controls.

(6) Documentation and reporting regarding cybersecurity events and related incident response activities.

(7) The evaluation and revision, as necessary, of the incident response plan.

(c) Annually, not later than April 15, each insurer domiciled in Indiana shall submit to the commissioner a written statement certifying that the insurer is in compliance with the requirements set forth in sections 16 through 19 of this chapter and this section. Each insurer shall maintain for examination by the department all records, schedules, and data supporting this certificate for a period of five (5) years. To the extent an insurer has identified areas, systems, or processes that require material improvement, updating, or redesign, the insurer shall document the identification of the areas, systems, or processes and the remedial efforts planned and underway to address the areas, systems, or processes. The documentation must be available for inspection by the commissioner.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-8-3-17 — Indiana Code / Title 27 / Article 8 / Chapter 3 / Section 27-8-3-17
Visitation and inspection; insolvency or improper business practices; report; order to show cause for termination of business
Status: in_force

Sec. 17. All corporations, associations, and societies to which this chapter is applicable, with their books, papers, and vouchers, shall be subject to visitation and inspection by the insurance commissioner or such person as he may designate, at the expense of said association. The commissioner may address any inquiries to such corporation, association, or society, in relation to its doings or condition, or any other matter connected with its transactions relative to the business contemplated by this chapter. All officers of such corporation, association, or society shall promptly reply in writing to all such inquiries, under the oath of its president, secretary, or other officers, if required. When the commissioner on investigation, shall be satisfied that any corporation, association, or society, organized under the laws of this state, doing business in this state of the character defined in this chapter, is insolvent because of matured death claims or other obligations due and unpaid, exceeding its assets and death assessments or periodical payments, called or in process of collection, or has exceeded its powers, failed to comply with any provision of law, or is conducting business fraudulently, he shall report the facts to the attorney general, who, if he shall be of the opinion that the facts require such action, may thereupon apply to any court having jurisdiction thereof, within the county in which the principal office of such corporation, association, or society in this state is located, for an order requiring the officers of such corporation, association, or society to show cause, at a reasonable time and place within such county, why such corporation, association, or society should not be restrained from continuing to transact business, with power to the court to adjourn the hearing thereon from time to time, not exceeding sixty (60) days in all.

Formerly: Acts 1897, c.195, s.17. As amended by P.L.252-1985, SEC.288.
Ind. Code § 27-7-17-18 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-18
Travel administrators; licensing requirements
Status: in_force

Sec. 18. (a) Notwithstanding any other provision of this title, a person may not act or represent itself as a travel administrator for travel insurance in this state unless the person:

(1) is a licensed property and casualty insurance producer in this state for activities permitted under that producer license;

(2) holds a valid managing general agent license in this state; or

(3) holds a valid third party administrator license in this state.

(b) A travel administrator and its employees are exempt from the licensing requirements of IC 27-1-28 for travel insurance it administers.

(c) An insurer is responsible for the acts of a travel administrator administering travel insurance underwritten by the insurer and is responsible for ensuring the travel administrator maintains all books and records relevant to the insurer to be made available by the travel administrator to the commissioner upon request.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-17-1-4 — Indiana Code / Title 27 / Article 17 / Chapter 1 / Section 27-17-1-4
"Department"
Status: in_force

Sec. 4. "Department" refers to the department of insurance created by IC 27-1-1-1.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-9-1-1 — Indiana Code / Title 27 / Article 9 / Chapter 1 / Section 27-9-1-1
Applicability of article
Status: in_force

Sec. 1. Proceedings under this article apply to the following:

(1) All insurers who are doing, or who have done, insurance business in Indiana, and against whom claims arising from that business may exist.

(2) All insurers who purport to do insurance business in Indiana.

(3) All insurers who have insureds resident in Indiana.

(4) All other persons organized or in the process of organizing with the intent to do an insurance business in Indiana.

(5) All nonprofit service plans, fraternal benefit societies, and beneficial societies.

(6) All title insurance companies.

(7) All health maintenance organizations under IC 27-13.

(8) All multiple employer welfare arrangements under IC 27-1-34.

(9) All limited service health maintenance organizations under IC 27-13-34.

(10) All mutual insurance holding companies under IC 27-14 (before its repeal) or IC 27-14.5.

As added by Acts 1979, P.L.255, SEC.1. Amended by P.L.274-1987, SEC.16; P.L.192-1991, SEC.4; P.L.1-1992, SEC.155; P.L.26-1994, SEC.22; P.L.5-2000, SEC.1; P.L.226-2023, SEC.24.
Ind. Code § 27-1-43.2-18 — Indiana Code / Title 27 / Article 1 / Chapter 43.2 / Section 27-1-43.2-18
Nonapplicability of chapter
Status: in_force

Sec. 18. This chapter does not apply to the following:

(1) A warranty provided under the Magnuson-Moss Warranty Act, 15 U.S.C. 2301 et seq.

(2) A contract that is effective for a specified period and under which a person agrees to:

(A) provide; or

(B) indemnify the contract holder for;

regular maintenance.

(3) A motor club approved under IC 9-30-2-8.

As added by P.L.129-2014, SEC.10.
Ind. Code § 27-8-19.8-4 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-4
Repealed
Status: repealed

As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Repealed by P.L.32-1998, SEC.32.
Ind. Code § 27-1-43.2-13 — Indiana Code / Title 27 / Article 1 / Chapter 43.2 / Section 27-1-43.2-13
Service contract reimbursement policy form
Status: in_force

Sec. 13. Except as provided in section 14 of this chapter, a service contract reimbursement policy may not be offered, sold, or issued in Indiana unless the service contract reimbursement policy conspicuously states that the insurer will do either of the following:

(1) Pay all sums that the provider is obligated to pay under service contracts issued by the provider and outstanding in Indiana.

(2) In the event of the provider's nonperformance under a service contract issued by the provider and outstanding in Indiana, perform or pay for the performance of services that the provider:

(A) is obligated to perform under the service contract; and

(B) failed to perform.

As added by P.L.129-2014, SEC.10.
Ind. Code § 27-7-17-13 — Indiana Code / Title 27 / Article 7 / Chapter 17 / Section 27-7-17-13
"Travel protection plan"
Status: in_force

Sec. 13. As used in this chapter, "travel protection plan" means a plan that provides one (1) or more of the following:

(1) Travel insurance.

(2) Travel assistance services.

(3) Cancellation fee waivers.

As added by P.L.19-2022, SEC.5.
Ind. Code § 27-8-28-1 — Indiana Code / Title 27 / Article 8 / Chapter 28 / Section 27-8-28-1
"Accident and sickness insurance policy"
Status: in_force

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

(b) The term does not include the following:

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

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

(3) Automobile medical payment insurance.

(4) A specified disease policy issued as an individual policy.

(5) A limited benefit health insurance policy issued as an individual 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 a stipulated daily, weekly, or monthly payment to an insured during hospital confinement without regard to the actual expense of the confinement.

(8) Worker's compensation or similar insurance.

As added by P.L.66-2001, SEC.2 and P.L.203-2001, SEC.13. Amended by P.L.288-2019, SEC.21.
Ind. Code § 27-1-49-2 — Indiana Code / Title 27 / Article 1 / Chapter 49 / Section 27-1-49-2
"Defined cost sharing"
Status: in_force

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

As added by P.L.166-2023, SEC.2.
Ind. Code § 27-1-20-10 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-10
Disposition of interest earned by securities on deposit
Status: in_force

Sec. 10. The department shall permit companies having on deposit with it stocks or bonds as security, to collect the interest accruing on such deposits, delivering to their authorized agents, respectively, the coupons or other evidences of interest as the same become due; but upon default by any company to deposit additional security as called for by the department or pending any proceedings for rehabilitation, liquidation or conservation of such company, the department shall collect the interest as it becomes due and add the same to the securities in its possession, or under its control, belonging to such company.

Formerly: Acts 1935, c.162, s.257.
Ind. Code § 27-4-1-19 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-19
Annual report of consumer complaints
Status: in_force

Sec. 19. (a) The commissioner shall, on an annual basis and in a manner determined by the commissioner, publish figures and produce a report containing the following information:

(1) The ratio of valid consumer complaints lodged against each company weighted by the direct premiums earned in Indiana by each company.

(2) A separate listing of any company determined by the commissioner to have committed a practice that is designated an unfair claim settlement practice under section 4.5 of this chapter if the practice is committed flagrantly and in conscious disregard of section 4.5 of this chapter or if the practice is committed with a frequency that indicates a general business practice.

(3) Any enforcement action taken by the commissioner as a result of a practice described in subdivision (2).

(b) The commissioner shall provide a copy of the report required under subsection (a) to the house of representatives and senate committees of the general assembly that are assigned responsibility for insurance issues.

As added by P.L.121-1990, SEC.6 and P.L.149-1990, SEC.4. Amended by P.L.203-2001, SEC.9.
Ind. Code § 27-7-10-16 — Indiana Code / Title 27 / Article 7 / Chapter 10 / Section 27-7-10-16
Foreign risk retention groups; compliance with business practice provisions
Status: in_force

Sec. 16. (a) All risk retention groups that are chartered and licensed in other states and that are doing business in Indiana and all agents and representatives of those risk retention groups shall comply with:

(1) IC 27-4-1-4.5 concerning unfair claims settlement practices; and

(2) IC 27-4 concerning deceptive, false, or fraudulent acts or practices.

(b) However, any injunction sought by the commissioner of this state regarding conduct described in subsection (a)(2) must be obtained from a court.

As added by P.L.162-1988, SEC.2.
Ind. Code § 27-2-24-1 — Indiana Code / Title 27 / Article 2 / Chapter 24 / Section 27-2-24-1
Application of chapter
Status: in_force

Sec. 1. This chapter applies to a policy of property or casualty insurance that is entered into, amended, or renewed after June 30, 2017.

As added by P.L.148-2017, SEC.8.
Ind. Code § 27-1-12.1-14 — Indiana Code / Title 27 / Article 1 / Chapter 12.1 / Section 27-1-12.1-14
Duties of limited purpose subsidiary
Status: in_force

Sec. 14. (a) A limited purpose subsidiary shall do the following:

(1) Provide to the commissioner, not later than forty-five (45) days after the closing date of the transactions of an insurance securitization, a copy of a complete set of executed documentation of the insurance securitization.

(2) Notify the commissioner, not later than two (2) business days after any material change in the financial condition or management of the limited purpose subsidiary, written notice of the material change.

(3) Annually file with the commissioner the actuarial opinion of the limited purpose subsidiary's internal actuary concerning reserves held by the limited purpose subsidiary for all risks assumed by the limited purpose subsidiary under the limited purpose subsidiary's reinsurance contracts.

(4) Biennially file with the commissioner the actuarial opinion of a qualified actuary concerning the methodology and assumptions used by the limited purpose subsidiary in establishing the reserves held by the limited purpose subsidiary.

(5) Immediately notify the commissioner concerning any action by a ceding insurer or other person to foreclose on or otherwise take possession of collateral provided by the limited purpose subsidiary to secure an obligation of the limited purpose subsidiary.

(6) Comply with IC 27-1-23 and IC 27-1-36.

(b) Unless otherwise required by the commissioner, a limited purpose subsidiary is not required to file a report, notice, or other document with the National Association of Insurance Commissioners.

As added by P.L.11-2011, SEC.7. Amended by P.L.115-2011, SEC.5.
Ind. Code § 27-8-34-4 — Indiana Code / Title 27 / Article 8 / Chapter 34 / Section 27-8-34-4
"Provider"
Status: in_force

Sec. 4. As used in this chapter, "provider" has the meaning set forth in IC 27-8-11-1.

As added by P.L.185-2015, SEC.25.
Ind. Code § 27-7-1-2 — Indiana Code / Title 27 / Article 7 / Chapter 1 / Section 27-7-1-2
Policies; filing; contents; special provisions
Status: in_force

Sec. 2. There shall be filed with the insurance commissioner a copy of each form of policy by it issued. Said policies shall show the name and address, as well as the amount of the subscription of each subscriber, and shall be signed by the attorneys in fact, and they shall contain the following special provisions:

First: Whenever, under the terms of this policy, notice or consent is required to be given to or by the company, notice or consent given to or by the attorney or attorneys in fact shall be sufficient compliance therewith, and each underwriter hereon shall be bound thereby, the same as though notice or consent had been given to or by each of such underwriters individually.

Second: In no event, shall the liability of any underwriter exceed the sum underwritten by the underwriter or underwriters hereon, and, in no event, shall any underwriter be liable for any part of the sum underwritten hereon by any other underwriter.

Third: The insured agrees by the acceptance of this policy that no underwriter hereon shall, in any event, be liable for claims exceeding, in the aggregate, on all policies, certificates or contracts issued on behalf of the underwriter or underwriters, in the name of this Lloyds for an amount in excess of the unpaid portion, if any, of the original subscription or contribution of the underwriter or underwriters to said Lloyds, as endorsed hereon.

Fourth: In case of action brought to enforce the provisions of this policy, same shall be brought against the attorney or attorneys in fact for the underwriters, as representing all of the said underwriters, and each of the underwriters hereto hereby agrees to abide by the final results of any suit so brought as fixing the proportionate amount of the individual liability of the underwriter or underwriters.

Fifth: This policy is made and accepted subject to all the stipulations and conditions contained therein, together with such other provisions, agreements or conditions as may be endorsed hereon, or added hereto, and as to such provisions and conditions, no officer, agent or representative shall have such power or be deemed or held to have waived such provisions or conditions unless such waiver, if any, shall be endorsed upon or attached hereto, nor shall any privilege or permission affecting the insurance under this policy exist or be claimed by the assured unless so endorsed or attached.

Formerly: Acts 1919, c.177, s.2. As amended by P.L.148-2017, SEC.10.
Ind. Code § 27-1-37.5-8.1 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-8.1
"Urgent health care service"
Status: in_force

Sec. 8.1. As used in this chapter, "urgent health care service" means a health care service in which the application of the time period for making a nonexpedited prior authorization, in the opinion of a physician with knowledge of the covered individual's medical condition, could:

(1) seriously jeopardize:

(A) the life or health of the covered individual; or

(B) the covered individual's ability to regain maximum function; or

(2) subject the covered individual to severe pain that cannot be adequately managed without the health care service.

The term includes a mental and behavioral health care service.

As added by P.L.144-2025, SEC.16.
Ind. Code § 27-7-2-31 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-31
Loss of coverage for nonpayment of premiums; report of conditions precluding insurance; coverage pending decision
Status: in_force

Sec. 31. No employer who does not pay the advance premiums or premium when due, shall be entitled to insurance, nor shall any coverage be extended until all obligations to pay worker's compensation insurance premiums contracted during the previous twelve (12) months have been paid. If, in the opinion of the designated carrying company or the bureau, physical or moral conditions exist in any risk which shall preclude the risk from obtaining insurance, that risk shall be reported to the worker's compensation board and to the department. The bureau shall, in those cases, furnish the board and the department with its recommendations for improving safety conditions, which, if complied with, would entitle the risk to insurance. Pending a decision by the board or the department, insurance shall be effective as otherwise provided in this chapter. However, the board, or the department, or both shall make that decision within sixty (60) days after such recommendations are furnished by the bureau.

Formerly: Acts 1935, c.323, s.31. As amended by P.L.252-1985, SEC.240; P.L.28-1988, SEC.102.
Ind. Code § 27-13-27-1 — Indiana Code / Title 27 / Article 13 / Chapter 27 / Section 27-13-27-1
Filing fees
Status: in_force

Sec. 1. Each health maintenance organization subject to this article shall pay to the commissioner for deposit into the department of insurance fund established by IC 27-1-3-28 the following fees:

(1) Three hundred fifty dollars ($350) for filing:

(A) an application for a certificate of authority; or

(B) an application for an amendment to a certificate of authority.

(2) Fifty dollars ($50) for filing each annual report.

As added by P.L.26-1994, SEC.25. Amended by P.L.173-2007, SEC.44; P.L.234-2007, SEC.198.
Ind. Code § 27-1-9-2.5 — Indiana Code / Title 27 / Article 1 / Chapter 9 / Section 27-1-9-2.5
Definitions relating to merger
Status: in_force

Sec. 2.5. (a) As used in section 3 of this chapter, "participating shares" means shares that entitle the shareholders to participate without limitation in distributions.

(b) As used in section 3 of this chapter, "voting members" means members or policyholders entitled to vote unconditionally in the election of directors.

(c) As used in section 3 of this chapter, "voting shares" means shares that entitle the shareholders to vote unconditionally in the election of directors.

As added by P.L.185-1997, SEC.4.
Ind. Code § 27-1-33-11 — Indiana Code / Title 27 / Article 1 / Chapter 33 / Section 27-1-33-11
Rules for implementation and administration of chapter
Status: in_force

Sec. 11. The commissioner may adopt reasonable rules under IC 4-22-2 for the implementation and administration of this chapter.

As added by P.L.1-1992, SEC.148.
Ind. Code § 27-10-3-10 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-10
Suspension or revocation of licenses; appeals
Status: in_force

Sec. 10. An applicant for license as a bail agent or recovery agent whose:

(1) application has been denied; or

(2) license has been suspended, revoked, or denied renewal by the commissioner;

may appeal to the circuit court, superior court, or probate court of the county from which the bail agent or recovery agent applied for the license. The appeal shall be heard de novo.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.20; P.L.84-2016, SEC.119.
Ind. Code § 27-8-33-4 — Indiana Code / Title 27 / Article 8 / Chapter 33 / Section 27-8-33-4
Prohibition on coverage for abortion; exceptions
Status: in_force

Sec. 4. A qualified health plan offered under Subtitle D of Title 1 of the federal Patient Protection and Affordable Care Act may not provide coverage for abortion, except when an abortion is permitted under IC 16-34-2-1.

As added by P.L.193-2011, SEC.16. Amended by P.L.179-2022(ss), SEC.46.
Ind. Code § 27-10-4-1 — Indiana Code / Title 27 / Article 10 / Chapter 4 / Section 27-10-4-1
Financial interest in agencies; services during period of license suspension or revocation
Status: in_force

Sec. 1. (a) No person may possess a financial interest in, be employed by, have an agency relationship with, or perform any services for a bail bond agency or insurer during the period of license suspension or revocation. No licensee under this article may accept any services from a person during the period of that person's license suspension or revocation.

(b) The commissioner shall immediately suspend under IC 27-10-3-8(a) an agent, agency, or insurer who violates this section.

(c) A person who knowingly or intentionally violates this section commits a Class B misdemeanor.

As added by P.L.261-1985, SEC.1. Amended by P.L.29-1987, SEC.6; P.L.355-1989(ss), SEC.6.
Ind. Code § 27-1-4.1-2 — Indiana Code / Title 27 / Article 1 / Chapter 4.1 / Section 27-1-4.1-2
"Corporate governance annual disclosure"; "CGAD"
Status: in_force

Sec. 2. As used in this chapter, "corporate governance annual disclosure" or "CGAD" means a confidential report filed by an insurer or insurance group under this chapter.

As added by P.L.146-2015, SEC.19.
Ind. Code § 27-8-14.5-1 — Indiana Code / Title 27 / Article 8 / Chapter 14.5 / Section 27-8-14.5-1
"Health insurance plan"
Status: in_force

Sec. 1. (a) As used in this chapter, "health insurance plan" means any:

(1) hospital or medical expense incurred policy or certificate;

(2) hospital or medical service plan contract; or

(3) health maintenance organization subscriber contract;

provided to an insured.

(b) The term does not include the following:

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

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

(3) Worker's compensation or similar insurance.

(4) Automobile medical payment insurance.

(5) A specified disease policy.

(6) A short term insurance plan that:

(A) may be renewed for the greater of:

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

(ii) the maximum period permitted under federal law;

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

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

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

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

(B) gaps for deductibles or copayments.

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

(9) A student health plan.

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

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

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

As added by P.L.190-1997, SEC.1. Amended by P.L.173-2007, SEC.33; P.L.288-2019, SEC.14.
Ind. Code § 27-1-8-13 — Indiana Code / Title 27 / Article 1 / Chapter 8 / Section 27-1-8-13
Repealed
Status: repealed

Formerly: Acts 1935, c.162, s.113a; Acts 1969, c.164, s.1. As amended by P.L.252-1985, SEC.39; P.L.7-1987, SEC.136. Repealed by P.L.94-1999, SEC.4.
Ind. Code § 27-17-2-2 — Indiana Code / Title 27 / Article 17 / Chapter 2 / Section 27-17-2-2
Application; requirements
Status: in_force

Sec. 2. (a) An application for registration to operate as a discount medical card program organization must be filed with the department on a form prescribed by the department.

(b) An application filed under subsection (a) must be:

(1) sworn to by an officer or authorized representative of the applicant; and

(2) accompanied by the following:

(A) A copy of the applicant's organizational documents, such as articles of incorporation, including all amendments.

(B) A copy of the applicant's bylaws or other enabling documents that establish the organizational structure and governance of the applicant.

(C) A list of the names, addresses, official positions, and biographical information of each individual responsible for conducting the applicant's affairs, including each:

(i) member of the board of directors, board of trustees, executive committee, or other governing board or committee; and

(ii) officer.

(D) A statement generally describing the applicant, the applicant's facilities and personnel, and the medical services for which discounts will be available.

(E) A complete list of all program providers in Indiana available to Indiana cardholders.

(F) A copy of the form of any contract or arrangement between the applicant and a person listed in clause (C).

(G) A copy of the form of any contract between the applicant and a person for the performance on the applicant's behalf of any function, including marketing, administration, enrollment, investment management, and contracting for the provision of medical services to cardholders.

(H) A description of the proposed method of marketing.

(I) A toll free telephone number that program providers and cardholders can use at least forty (40) hours per week during normal business hours to contact the applicant.

(J) A copy of the applicant's cancellation and refund policy.

(K) A description of program provider and cardholder complaint procedures.

(L) The name and address of the applicant's agent for service of process, notice or demand, or an executed power of attorney appointing the commissioner as the attorney of the applicant in Indiana for service of process for a cause of action arising in Indiana.

(M) Other information the commissioner reasonably requires to make the determinations required under this chapter.

As added by P.L.73-2006, SEC.3. Amended by P.L.1-2007, SEC.187.
Ind. Code § 27-2-21-3 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-3
"Applicant"
Status: in_force

Sec. 3. As used in this chapter, "applicant" means an individual who has applied with an insurer for coverage under a personal insurance policy.

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-13-7-24 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-24
Coverage for anatomical gifts, transplantation, or related health care services
Status: in_force

Sec. 24. (a) As used in this section, "disability" has the meaning set forth in 42 U.S.C. 12102.

(b) As used in this section, "enrollee" means an enrollee who has a disability.

(c) As used in this section, "group contract" means a group contract that provides coverage for anatomical gifts, transplantation, or related health care services.

(d) As used in this section, "health maintenance organization" includes an administrator that is licensed under IC 27-1-25 and administers an individual contract or a group contract.

(e) As used in this section, "individual contract" means an individual contract that provides coverage for anatomical gifts, transplantation, or related health care services.

(f) A health maintenance organization shall not deny coverage for anatomical gifts, transplantation, or related health care services under an individual contract or a group contract based solely on the disability of the enrollee.

As added by P.L.2-2019, SEC.10.
Ind. Code § 27-11-2-2 — Indiana Code / Title 27 / Article 11 / Chapter 2 / Section 27-11-2-2
Representative form of government
Status: in_force

Sec. 2. A society has a representative form of government if it meets all of the following conditions:

(1) It has a supreme governing body constituted in one (1) of the following ways:

(A) The supreme governing body is an assembly composed of delegates elected directly by the members or at intermediate assemblies or conventions of members or their representatives, together with other delegates as may be prescribed in the society's laws. A society may provide for election of delegates by mail. The elected delegates shall constitute a majority in number and shall not have less than a majority of the votes and not less than the number of votes required to amend the society's laws. The assembly shall meet at least once every four (4) years and shall elect a board of directors to conduct the business of the society between meetings of the assembly. Vacancies on the board of directors between elections may be filled in the manner prescribed by the society's laws.

(B) The supreme governing body is a board composed of persons elected by the members, either directly or by their representatives in intermediate assemblies, and any other persons prescribed in the society's laws. A society may provide for election of the board by mail. Each term of a board member may not exceed four (4) years. Vacancies on the board between elections may be filled in the manner prescribed by the society's laws. Those persons elected to the board constitute a majority in number and not less than the number of votes required to amend the society's laws. A person filling the unexpired term of an elected board member is considered to be an elected member. The board shall meet at least quarterly to conduct the business of the society.

(2) The officers of the society are elected either by the supreme governing body or by the board of directors.

(3) Only benefit members are eligible for election to the supreme governing body, the board of directors, or any intermediate assembly.

(4) Each voting member shall have one (1) vote and no vote may be cast by proxy.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-8-9-8 — Indiana Code / Title 27 / Article 8 / Chapter 9 / Section 27-8-9-8
Repealed
Status: repealed

As added by P.L.261-1983, SEC.4. Repealed by P.L.226-1993, SEC.8.
Ind. Code § 27-2-18-2 — Indiana Code / Title 27 / Article 2 / Chapter 18 / Section 27-2-18-2
"Asset disposition" defined
Status: in_force

Sec. 2. As used in this chapter, "asset disposition" includes every sale, lease, exchange, merger, consolidation, mortgage, hypothecation, assignment (whether for the benefit of creditors or otherwise), abandonment, destruction, or other disposition.

As added by P.L.251-1995, SEC.17.
Ind. Code § 27-1-27-6 — Indiana Code / Title 27 / Article 1 / Chapter 27 / Section 27-1-27-6
Examination requirement; exception
Status: in_force

Sec. 6. (a) The commissioner of insurance shall, in order to determine the competency of an applicant for a certificate of authority to act as a public adjuster, require such applicant to submit to a written examination, except such applicants who shall be entitled to such certificate without the examination as provided in this chapter. Such examinations shall be held in such place in the state of Indiana and at such time as the commissioner of insurance may designate. The examination as described in this section shall include such questions which, at the discretion of the commissioner, will properly test the applicant's knowledge and competency to engage in the adjustment of claims of an insured to include, but not be limited to the following areas:

(1) The Indiana insurance law, IC 27.

(2) Inventory and appraisal procedures.

(3) Building construction.

(4) Standard fire policy.

(5) Insurance contracts related to claims on real or personal property.

(6) Insurance coverage questions regarding business interruption, improvements and betterments, replacement cost coverage, concurrent and noncurrent apportionment, coinsurance, and contribution.

(b) The commissioner of insurance may issue a public adjuster's certificate of authority without examination to any individual or corporation who, or which, has transacted the business of adjusting, as a public adjuster, losses covered by policies of insurance within Indiana as his or its principal occupation or business for a period of at least one (1) year immediately preceding the date of application for such certificate of authority, and who, or which, the commissioner determines to be competent to act as a public adjuster. Examination shall not be required for an applicant for renewal of a certificate of authority in effect at the date the application for renewal thereof is filed.

As added by P.L.257-1983, SEC.1.
Ind. Code § 27-1-8-1 — Indiana Code / Title 27 / Article 1 / Chapter 8 / Section 27-1-8-1
Authority to amend
Status: in_force

Sec. 1. Any corporation may, at any time, amend its articles of incorporation without limitation so long as the articles as amended would have been authorized by this article as original articles, by complying with the provisions of this chapter.

Formerly: Acts 1935, c.162, s.101. As amended by P.L.252-1985, SEC.32.
Ind. Code § 27-14.5-1-25 — Indiana Code / Title 27 / Article 14.5 / Chapter 1 / Section 27-14.5-1-25
"Plan of reorganization"
Status: in_force

Sec. 25. "Plan of reorganization" means a plan adopted under IC 27-14.5-2.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-8-29-3 — Indiana Code / Title 27 / Article 8 / Chapter 29 / Section 27-8-29-3
"Commissioner" defined
Status: in_force

Sec. 3. As used in this chapter, "commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.

As added by P.L.66-2001, SEC.3 and P.L.203-2001, SEC.14. Amended by P.L.1-2002, SEC.117.
Ind. Code § 27-13-36-4 — Indiana Code / Title 27 / Article 13 / Chapter 36 / Section 27-13-36-4
Specialty areas of primary care providers
Status: in_force

Sec. 4. Beginning July 1, 1999, primary care providers shall include licensed physicians who practice in one (1) or more of the following areas:

(1) Family practice.

(2) General practice.

(3) Internal medicine.

(4) As a woman's health care provider, in compliance with IC 27-8-24.7.

(5) Pediatrics.

As added by P.L.69-1998, SEC.14.
Ind. Code § 27-13-7-27 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-27
Reimbursement for emergency medical services
Status: in_force

Sec. 27. (a) This section applies to each of the following:

(1) An individual contract.

(2) A group contract.

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

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

(d) An individual contract and a group contract that provide coverage for emergency medical services must provide reimbursement for emergency medical services that are:

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

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

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

(4) performed or provided:

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

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

regardless of whether the patient is transported.

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

(f) If multiple emergency medical services provider organizations qualify and submit a claim for reimbursement under this section, the health maintenance organization:

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

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

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

(h) This section does not require an individual contract or a group contract to provide coverage for emergency medical services.

As added by P.L.115-2020, SEC.5. Amended by P.L.170-2022, SEC.39; P.L.93-2024, SEC.200; P.L.236-2025, SEC.13.
Ind. Code § 27-1-25-12.3 — Indiana Code / Title 27 / Article 1 / Chapter 25 / Section 27-1-25-12.3
Resident administrator annual filings
Status: in_force

Sec. 12.3. (a) An administrator that is licensed under section 11.1 of this chapter shall, not later than July 1 of each year unless the commissioner grants an extension of time for good cause, file a report for the previous calendar year that complies with the following:

(1) The report must contain financial information reflecting a positive net worth prepared in accordance with section 11.1(c)(4) of this chapter.

(2) The report must be in the form and contain matters prescribed by the commissioner.

(3) The report must be verified by at least two (2) officers of the administrator.

(4) The report must include the complete names and addresses of insurers with which the administrator had a written agreement during the preceding fiscal year.

(5) The report must be accompanied by a filing fee in an amount determined by the commissioner.

The commissioner shall collect a filing fee paid under subdivision (5) and deposit the fee into the department of insurance fund established by IC 27-1-3-28.

(b) The commissioner shall review a report filed under subsection (a) not later than September 1 of the year in which the report is filed. Upon completion of the review, the commissioner shall:

(1) issue a certification to the administrator:

(A) indicating that:

(i) the financial statement reflects a positive net worth; and

(ii) the administrator is currently licensed and in good standing; or

(B) noting deficiencies found in the report; or

(2) update the centralized insurance producer license registry described in IC 27-1-15.6-7:

(A) indicating that the administrator is solvent and in compliance with this chapter; or

(B) noting deficiencies found in the report.

As added by P.L.160-2003, SEC.17. Amended by P.L.173-2007, SEC.18; P.L.234-2007, SEC.192; P.L.11-2011, SEC.21; P.L.124-2018, SEC.50; P.L.158-2024, SEC.10.
Ind. Code § 27-2-23-14 — Indiana Code / Title 27 / Article 2 / Chapter 23 / Section 27-2-23-14
Disclosure of personal information
Status: in_force

Sec. 14. An insurer may, to the extent permitted by law, disclose the minimum necessary personal information about a person or a beneficiary to an individual or entity reasonably believed by the insurer to possess the ability to assist the insurer in locating the beneficiary or another individual or entity that is entitled to payment of the claim proceeds.

As added by P.L.90-2014, SEC.1.
Ind. Code § 27-9-1-4 — Indiana Code / Title 27 / Article 9 / Chapter 1 / Section 27-9-1-4
Restraining orders and injunctions
Status: in_force

Sec. 4. (a) A receiver appointed in a proceeding under IC 27-9 may at any time apply for, and any court with general jurisdiction may grant, restraining orders, preliminary and permanent injunctions, and other orders as considered necessary and proper to prevent any of the following:

(1) The transaction of further business.

(2) The transfer of property.

(3) Interference with the receiver or with a proceeding under IC 27-9.

(4) Waste of the insurer's assets.

(5) Dissipation and transfer of bank accounts.

(6) The institution or further prosecution of any actions or precedings.

(7) The obtaining of preferences, judgments, attachments, garnishments, or liens against the insurer, its assets or its policyholders.

(8) The levying of execution against the insurer, its assets, or its policyholders.

(9) The making of any sale or deed for nonpayment of taxes or assessments that would lessen the value of the assets of the insurer.

(10) The withholding from the receiver of books, accounts, documents, or other records relating to the business of the insurer.

(11) Any other threatened or contemplated action that might lessen the value of the insurer's assets or prejudice the rights of policyholders, creditors, or shareholders, or the administration of any proceeding under IC 27-9.

(b) The receiver may apply to any court outside of Indiana for the relief described in subsection (a).

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-9-3-29 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-29
Liquidator's report; assessment of members
Status: in_force

Sec. 29. (a) As soon as practicable but not more than two (2) years from the date of an order of liquidation under section 7 of this chapter of an insurer issuing assessable policies, the liquidator shall make a report to the Marion County circuit court stating:

(1) The reasonable value of the assets of the insurer.

(2) The insurer's probable total liabilities.

(3) The probable aggregate amount of the assessment necessary to pay all claims of creditors and expenses in full, including expenses of administration and costs of collecting the assessment.

(4) A recommendation as to whether or not an assessment should be made and in what amount.

(b) Upon the basis of the report required by subsection (a), including any supplements and amendments to that report, the Marion County circuit court may levy one (1) or more assessments against all members of the insurer who are subject to assessment.

(c) Subject to any applicable legal limits on assessability, the aggregate assessment must be the amount that:

(1) the sum of the probable liabilities;

(2) the expenses of administration; and

(3) the estimated cost of collection of the assessment;

exceed the value of existing assets, with due regard being given to assessments that cannot be collected economically.

(d) After the levy of assessment under subsections (b) and (c), the liquidator shall issue an order directing each member who has not paid the assessment under the order to show cause why the liquidator should not pursue a judgment for that amount.

(e) The liquidator shall give notice of the order to show cause by publication and by first-class mail to each member liable under the order mailed to his last known address as it appears on the insurer's records, at least twenty (20) days before the return day of the order to show cause.

(f) If a member does not appear and serve duly verified objections upon the liquidator on or before the return day of the order to show cause under subsection (d), the Marion County circuit court shall issue an order adjudging the member liable for the amount of the assessment against him, under subsection (d) together with costs. The liquidator shall have a judgment against the member for that amount.

(g) If on or before the return day, the member appears and serves duly verified objections upon the liquidator, the commissioner may hear and determine the matter or may appoint a referee to hear it and make an order as the facts warrant. In the event that the commissioner determines that the objections do not warrant relief from assessment, the member may request the Marion County circuit court to review the matter and vacate the order to show cause.

(h) The liquidator may enforce any order or collect any judgment under subsection (f) by any lawful means.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-8-31.2-4 — Indiana Code / Title 27 / Article 8 / Chapter 31.2 / Section 27-8-31.2-4
"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.251-2003, SEC.4.
Ind. Code § 27-8-15-1 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-1
Application of chapter
Status: in_force

Sec. 1. This chapter applies to any group health insurance plan that is issued for delivery in Indiana to at least two (2) employees of a small employer located in Indiana if one (1) of the following conditions is met:

(1) Any part of the premium or benefits is paid by a small employer or any covered individual is reimbursed, whether through wage adjustments or otherwise, by a small employer for any part of the premium not including the administrative expenses of administering a payroll deduction plan where the employee contributes one hundred percent (100%) of the premium without reimbursement.

(2) The health benefit plan is treated by the employer or any of the covered individuals as part of a plan or program for purposes of Section 106 or 162 of the United States Internal Revenue Code.

As added by P.L.127-1992, SEC.1. Amended by P.L.11-2011, SEC.32.
Ind. Code § 27-8-5.7-6.7 — Indiana Code / Title 27 / Article 8 / Chapter 5.7 / Section 27-8-5.7-6.7
Prohibition on retroactive rate reduction; notice requirement
Status: in_force

Sec. 6.7. (a) An insurer may not retroactively reduce the reimbursement rate for any CPT code.

(b) An insurer shall provide at least sixty (60) days written notice by:

(1) mail or electronic mail to a provider; and

(2) posting on the insurer's website;

before prospectively implementing a rate reduction for any CPT code.

As added by P.L.88-2026, SEC.9.
Ind. Code § 27-2-27-3 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-3
"Commissioner"
Status: in_force

Sec. 3. As used in this chapter, "commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-10-2-6 — Indiana Code / Title 27 / Article 10 / Chapter 2 / Section 27-10-2-6
Surrender of defendants; detention; exoneration of sureties
Status: in_force

Sec. 6. (a) The person desiring to make a surrender of the defendant shall be provided a certified copy of the undertakings and a certified copy of the arrest warrant forthwith by the clerk of the court having jurisdiction and shall deliver them together with the defendant to the official in whose custody the defendant was at the time bail was taken or to the official into whose custody the defendant would have been given if committed, who shall detain the defendant in the official's custody thereon, as upon a commitment, and shall acknowledge the surrender in a written certificate.

(b) The court having jurisdiction of the offense shall order that a surety be exonerated from liability for an undertaking and that any money or bonds deposited as bail be refunded when the person surrendering the defendant has:

(1) presented to the court both of the documents described in subsection (a); and

(2) given to the prosecuting attorney:

(A) three (3) days notice; and

(B) copies of both of the documents described in subsection (a).

As added by P.L.261-1985, SEC.1. Amended by P.L.348-1995, SEC.2.
Ind. Code § 27-13-1-27 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-27
"Limited service health maintenance organization"
Status: in_force

Sec. 27. "Limited service health maintenance organization" has the meaning set forth in IC 27-13-34-4.

As added by P.L.26-1994, SEC.25. Amended by P.L.2-1998, SEC.70.
Ind. Code § 27-1-20-21.3 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-21.3
Actuarial opinions
Status: in_force

Sec. 21.3. (a) Every domestic casualty insurance company, domestic fire and marine insurance company, and domestic life and health insurance company shall include an actuarial opinion as an additional part of the financial statement required under section 21 of this chapter. The commissioner shall adopt rules under IC 4-22-2 that:

(1) prescribe the form and content of the actuarial opinion required by this section; and

(2) establish minimum qualifications that an actuary must meet in order to provide the actuarial opinion required under this section.

(b) The actuarial opinion required by subsection (a) shall be included with every annual statement beginning with the statement for calendar year 1994.

As added by P.L.1-1990, SEC.259. Amended by P.L.130-1994, SEC.27; P.L.116-1994, SEC.37; P.L.14-2000, SEC.57.
Ind. Code § 27-8-8-14 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-14
Liability for performance under chapter
Status: in_force

Sec. 14. (a) A member insurer and the member insurer's agents and employees, the association and the association's agents and employees, members of the board and representatives of the members of the board, and the commissioner and the commissioner's representatives are not liable for and no cause of action of any nature arises or may be brought against them for or in connection with an action or omission by any of them in the exercise and performance of their rights, powers, and duties under this chapter.

(b) Immunity under this section extends to:

(1) the participation in an organization of one (1) or more other state associations of similar purpose; and

(2) an organization described in subdivision (1) and an agent or employee of the organization.

As added by Acts 1978, P.L.129, SEC.3. Amended by P.L.193-2006, SEC.27.
Ind. Code § 27-8-5-19.2 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-19.2
Repealed
Status: repealed

As added by P.L.211-2003, SEC.4. Repealed by P.L.3-2008, SEC.269.
Ind. Code § 27-1-3-21 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-21
Execution of instruments or documents
Status: in_force

Sec. 21. All rules, regulations, notices, orders, deeds, assignments and other instruments or documents issued, executed or promulgated by the department shall be executed in the name of "the department of insurance," on its behalf, by the insurance commissioner, or, in case of his absence or disability, by a deputy insurance commissioner, and shall be sealed with the official seal of the department; but the commissioner may authorize the execution of such deeds, assignments, releases, petitions, notices or any other instruments or documents issued or executed by the department in connection with the rehabilitation, liquidation or conservation of any insurance company by such department in the name of "the department of insurance," by any special deputy commissioner duly appointed in charge of rehabilitation, liquidation or conservation of any insurance company; and all such documents so executed by the special deputy insurance commissioner need not bear the official seal of the department.

Formerly: Acts 1935, c.162, s.28.
Ind. Code § 27-11-6-7 — Indiana Code / Title 27 / Article 11 / Chapter 6 / Section 27-11-6-7
Payment of owner's equitable proportion of deficiency where society's reserves are impaired
Status: in_force

Sec. 7. A society shall provide in its laws that if its reserves as to all or any class of certificates become impaired its board of directors or corresponding body may require that there shall be paid by the owner to the society the amount of the owner's equitable proportion of such deficiency as ascertained by its board, and that, if the payment is not made, either:

(1) it shall stand as an indebtedness against the certificate and draw interest not to exceed the rate specified for certificate loans under the certificates; or

(2) instead of or in combination with subdivision (1), the owner may accept a proportionate reduction in benefits under the certificate.

The society may specify the manner of the election and which alternative is to be presumed if no election is made.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-1-23.5-8 — Indiana Code / Title 27 / Article 1 / Chapter 23.5 / Section 27-1-23.5-8
Risk management framework
Status: in_force

Sec. 8. (a) An insurer shall maintain a risk management framework to assist the insurer with identifying, assessing, monitoring, managing, and reporting concerning the insurer's material and relevant risks.

(b) If an insurance group of which an insurer is a member maintains a risk management framework described in subsection (a) that applies to the operations of the insurer, the insurer is considered to be in compliance with subsection (a).

As added by P.L.129-2014, SEC.8.
Ind. Code § 27-8-31-9 — Indiana Code / Title 27 / Article 8 / Chapter 31 / Section 27-8-31-9
Commission information and records; disclosure; confidentiality; compacting state compliance and oversight
Status: in_force

Sec. 9. (a) The commission shall adopt rules establishing conditions and procedures for public inspection and copying of the commission's information and official records, except information and records involving the privacy of individuals and trade secrets of insurers. The commission may adopt additional rules under which the commission may make available to federal and state agencies, including law enforcement agencies, records and information otherwise exempt from disclosure, and may enter into agreements with these agencies to receive or exchange information or records subject to nondisclosure and confidentiality provisions.

(b) Except as to privileged records, data, and information, the laws of any compacting state pertaining to confidentiality or nondisclosure shall not relieve any compacting state commissioner of the duty to disclose any relevant records, data, or information to the commission. However, disclosure to the commission shall not be considered to waive or otherwise affect any confidentiality requirement, and, except as otherwise expressly provided in this chapter, the commission shall not be subject to the compacting state's laws pertaining to confidentiality and nondisclosure with respect to records, data, and information in the commission's possession. Confidential information of the commission remains confidential after the information is provided to any commissioner.

(c) The commission shall monitor compacting states for compliance with duly adopted bylaws, rules, including uniform standards, and operating procedures. The commission shall notify any noncomplying compacting state in writing of the noncomplying compacting state's noncompliance with commission bylaws, rules, or operating procedures. If a noncomplying compacting state fails to remedy the noncomplying compacting state's noncompliance within the time specified in the notice of noncompliance, the compacting state is considered to be in default as set forth in section 16 of this chapter.

(d) The commissioner of any state in which an insurer is authorized to do business or is conducting the business of insurance shall continue to exercise the commissioner's authority to oversee the market regulation of the activities of the insurer in accordance with the provisions of the state's law. The commissioner's enforcement of compliance with the compact is governed by the following:

(1) With respect to the commissioner's market regulation of a product or an advertisement that is approved or certified to the commission, the content of the product or advertisement does not constitute a violation of the provisions, standards, or requirements of the compact except upon a final order of the commission, issued at the request of a commissioner after prior notice to the insurer and an opportunity for hearing before the commission.

(2) Before a commissioner may bring an action for violation of a provision, standard, or requirement of the compact related to the content of an advertisement not approved or certified to the commission, the commission or an authorized commission officer or employee must authorize the action. However, authorization under this subdivision does not require:

(A) notice to the insurer;

(B) opportunity for hearing; or

(C) disclosure of:

(i) requests for authorization; or

(ii) records of the commission's action on a request described in item (i).

As added by P.L.138-2005, SEC.3.
Ind. Code § 27-8-5.7-6.5 — Indiana Code / Title 27 / Article 8 / Chapter 5.7 / Section 27-8-5.7-6.5
Prohibition on altering CPT code for claim; exceptions
Status: in_force

Sec. 6.5. (a) An insurer may not alter the CPT code submitted for a clean claim or pay for a CPT code of lesser monetary value unless:

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

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

(b) An insurer may not alter a clean claim to only pay for the CPT codes necessary for an individual's final diagnosis, if the CPT codes billed were deemed medically necessary according to generally accepted clinical care guidelines to reach the final diagnosis.

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

As added by P.L.190-2023, SEC.28.
Ind. Code § 27-1-20-12 — Indiana Code / Title 27 / Article 1 / Chapter 20 / Section 27-1-20-12
Retaliatory provisions
Status: in_force

Sec. 12. (a) When, by the laws of any other state, any taxes, fines, penalties, licenses, fees, deposits of money or securities, or other obligations or prohibitions are imposed upon insurance companies of this or other states, or their agents, greater than are required by laws of this state, then the same obligations and prohibitions, of whatever kind, shall, in like manner for like purposes, be imposed upon all insurance companies of such states and their agents. All insurance companies of other nations, under this section, shall be held as of the state where they have elected to make their deposit and establish their principal agency in the United States.

(b) Whenever it shall be made to appear to the insurance commissioner that permission to transact business within any state of the United States, other than the state of Indiana, or within any foreign country, is refused to an insurance company organized under the laws of this state, after a certificate of the solvency and good management of such company has been issued to it by the insurance commissioner and after such company has complied with any reasonable laws of such other state or foreign country requiring deposits of money or securities with the government of such other state or foreign country, then and in every such case, the commissioner may forthwith cancel the authority of every insurance company organized under the laws of such other state or foreign country and licensed to do business in this state, and may refuse a certificate of authority to every such company thereafter applying to him for authority to do business in this state, until his certificate shall have been duly recognized by the government of such other state or foreign country.

Formerly: Acts 1935, c.162, s.259; Acts 1937, c.288, s.5.
Ind. Code § 27-1-37.5-1.5 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-1.5
"Adverse determination"
Status: in_force

Sec. 1.5. As used in this chapter, "adverse determination" means a decision by a utilization review entity to deny, reduce, or terminate benefit coverage of a health care service furnished or proposed to be furnished to a covered individual on the grounds that the health care service:

(1) is not medically necessary, appropriate, effective, or efficient;

(2) is not being provided in or at an appropriate health care setting or level of care; or

(3) is experimental or investigational.

As added by P.L.190-2023, SEC.14. Amended by P.L.144-2025, SEC.3.
Ind. Code § 27-11-6-12 — Indiana Code / Title 27 / Article 11 / Chapter 6 / Section 27-11-6-12
Cash surrender value, loans, or other options
Status: in_force

Sec. 12. (a) For certificates issued before January 1, 1987, the value of every paid-up nonforfeiture benefit and the amount of any cash surrender value, loan, or other option granted shall comply with the provisions of law applicable on December 31, 1985.

(b) For certificates issued after December 31, 1986, for which reserves are computed on the Commissioner's 1941 Standard Ordinary Mortality Table, the Commissioner's 1941 Standard Industrial Table, the Commissioner's 1958 Standard Ordinary Mortality Table, the Commissioner's 1980 Standard Mortality Table, the Commissioner's 2017 Standard Mortality Table, or any more recent table made applicable to life insurers and approved by the commissioner in rules adopted under IC 4-22-2, every paid-up nonforfeiture benefit and the amount of any cash surrender value, loan, or other option granted shall not be less than the corresponding amount ascertained in accordance with the laws of this state applicable to life insurers issuing policies containing like benefits based upon the tables.

As added by P.L.262-1985, SEC.1. Amended by P.L.124-2018, SEC.85.
Ind. Code § 27-1-48-7 — Indiana Code / Title 27 / Article 1 / Chapter 48 / Section 27-1-48-7
Alternative method for claims submission
Status: in_force

Sec. 7. A health plan must:

(1) offer an alternative method for submission of a claim for when the health plan has technical difficulties with the health plan's claims submission system; and

(2) post notice of the alternative method for claims submission on the health plan's website.

As added by P.L.190-2023, SEC.24.
Ind. Code § 27-2-17-3 — Indiana Code / Title 27 / Article 2 / Chapter 17 / Section 27-2-17-3
"Independent insurance producer" defined
Status: in_force

Sec. 3. As used in this chapter, "independent insurance producer" means an insurance producer who:

(1) represents an insurer in the sale of insurance as an independent contractor rather than as an employee; and

(2) is not limited to representing:

(A) one (1) insurer; or

(B) several insurers that are under common management.

As added by P.L.130-1994, SEC.37 and P.L.116-1994, SEC.48. Amended by P.L.178-2003, SEC.32.
Ind. Code § 27-7-2-1.1 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-1.1
Purposes of chapter
Status: in_force

Sec. 1.1. The purposes of this chapter are as follows:

(1) To prohibit price fixing agreements and other anticompetitive behavior by companies.

(2) To protect policyholders and the public against the adverse effects of excessive, inadequate, or unfairly discriminatory rates.

(3) To promote price competition among companies so as to provide rates that are responsive to competitive market conditions.

(4) To provide regulatory procedures for the maintenance of appropriate data reporting systems.

(5) To improve availability, fairness, and reliability of insurance.

(6) To authorize essential cooperative action among companies in the ratemaking process and to regulate such activity to prevent practices that tend to substantially lessen competition or create a monopoly.

(7) To encourage the most efficient and economic marketing practices.

As added by P.L.249-1989, SEC.1.
Ind. Code § 27-7-8-7 — Indiana Code / Title 27 / Article 7 / Chapter 8 / Section 27-7-8-7
Regulations
Status: in_force

Sec. 7. The commissioner may promulgate regulations under IC 4-22-2 that he considers necessary for the proper administration of this chapter.

As added by Acts 1978, P.L.129, SEC.2.
Ind. Code § 27-1-3-19 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-19
Order to correct improper practices or remedy deficiencies; actions to compel compliance
Status: in_force

Sec. 19. (a) Whenever the commissioner determines that any insurance company to which this article is applicable:

(1) is conducting its business contrary to law or in an unsafe or unauthorized manner;

(2) has had its capital or surplus fund impaired or reduced below the amount required by law; or

(3) has failed, neglected, or refused to observe and comply with any law, order, or rule of the department or commissioner;

then the commissioner may, by an order in writing addressed to the board of directors, board of trustees, attorney in fact, partners, or owners of or in any such insurance company, to direct the discontinuance of any such illegal, unauthorized, or unsafe practice, the restoration of an impairment to the capital or the surplus fund, or the compliance with any such law, order, or rule of the department or commissioner. The order shall be mailed to the last known principal office of the insurance company by certified or registered mail or delivered to an officer of the company and shall be considered to be received by the insurance company three (3) days after mailing or on the date of delivery.

(b) If the insurance company fails, neglects, or refuses to comply with the terms of that order within thirty (30) days after its receipt by the insurance company, or within a shorter period set out in the order if the commissioner determines that an emergency exists, the commissioner may, in addition to any other remedy conferred upon the department or the commissioner by law, bring an action against any such insurance company, its officers, and agents to compel that compliance.

(c) The action shall be brought by the commissioner in the Marion County circuit court. The action shall be commenced and prosecuted in accordance with the Indiana Rules of Trial Procedure, and relief for noncompliance of the order includes any remedy appropriate under the facts, including injunction, preliminary injunction, and temporary restraining order. In that action, a change of venue from the judge, but no change of venue from the county, is permitted.

Formerly: Acts 1935, c.162, s.26. As amended by P.L.252-1985, SEC.12; P.L.31-1988, SEC.10; P.L.190-2023, SEC.11.
Ind. Code § 27-2-24-10 — Indiana Code / Title 27 / Article 2 / Chapter 24 / Section 27-2-24-10
Payment not required if final settlement less than 60% of available proceeds
Status: in_force

Sec. 10. This chapter does not require an insurer that issued a policy of property or casualty insurance to pay a claim to an innocent coinsured if the final settlement for the property loss is less than sixty percent (60%) of available insurance proceeds under the policy.

As added by P.L.148-2017, SEC.8.
Ind. Code § 27-13-34-11 — Indiana Code / Title 27 / Article 13 / Chapter 34 / Section 27-13-34-11
Modification of documents; filing; disapproval
Status: in_force

Sec. 11. (a) Before making any material modification of any matter or document furnished under section 8 of this chapter, a limited service health maintenance organization shall file with the commissioner:

(1) a notice of the modification; and

(2) supporting documents that are necessary to fully explain the modification.

(b) If a limited service health maintenance organization desires to add one (1) or more limited health services, it must:

(1) file a notice with the commissioner;

(2) submit the information required by section 8 of this chapter concerning each limited health service to be added, if that information is different from the information filed with the application of the limited service health maintenance organization; and

(3) demonstrate compliance with sections 16, 17, 18, and 23 of this chapter with respect to each limited health service to be added by the organization.

(c) If the commissioner does not disapprove a filing under subsection (a) or (b) within thirty (30) days after the commissioner receives the filing, or within any period of extension granted by the commissioner, the filing shall be deemed approved.

(d) If a filing under subsection (a) or (b) is disapproved, the commissioner shall:

(1) notify the limited service health maintenance organization of the disapproval of the filing in writing deposited in the United States mail addressed to the limited service health maintenance organization; and

(2) specify the reasons for disapproval of the filing in the notice.

(e) Within thirty (30) days after it receives a notice of disapproval under subsection (d), the limited service health maintenance organization may request a hearing before the commissioner under IC 4-21.5 concerning the disapproval of the filing. If, not more than thirty (30) days after receiving the notice from the commissioner, the limited service health maintenance organization requests a hearing, the commissioner shall hold a hearing upon not less than ten (10) days notice to the limited service health maintenance organization.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-8-23-3 — Indiana Code / Title 27 / Article 8 / Chapter 23 / Section 27-8-23-3
"Child" defined
Status: in_force

Sec. 3. As used in this chapter, "child" refers to a child who is less than eighteen (18) years of age.

As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
Ind. Code § 27-4-10-7 — Indiana Code / Title 27 / Article 4 / Chapter 10 / Section 27-4-10-7
"Health maintenance organization"
Status: in_force

Sec. 7. As used in this chapter, "health maintenance organization" means an entity that provides or arranges for delivery of dental care under a certificate of authority issued under IC 27-13.

As added by P.L.31-2021, SEC.4.
Ind. Code § 27-13-38-5 — Indiana Code / Title 27 / Article 13 / Chapter 38 / Section 27-13-38-5
Drug utilization review programs; confidentiality of enrollees
Status: in_force

Sec. 5. The name of an enrollee that is discovered in the course of the drug utilization review program shall remain confidential.

As added by P.L.69-1998, SEC.16.
Ind. Code § 27-7-9-13 — Indiana Code / Title 27 / Article 7 / Chapter 9 / Section 27-7-9-13
Nature of claims
Status: in_force

Sec. 13. Mine subsidence insurance claims made under this chapter do not constitute a debt, liability, or obligation of the state or a pledge of faith and credit of the state, except to the extent that the mine subsidence insurance fund has accumulated reserves from premiums, state or federal grants, investment income, or state appropriations.

As added by P.L.164-1986, SEC.1.
Ind. Code § 27-1-24.2-12 — Indiana Code / Title 27 / Article 1 / Chapter 24.2 / Section 27-1-24.2-12
"Pharmacy benefit manager"
Status: in_force

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

As added by P.L.189-2025, SEC.1.
Ind. Code § 27-19-3-2 — Indiana Code / Title 27 / Article 19 / Chapter 3 / Section 27-19-3-2
Regulation of insurance in connection with health benefit exchange
Status: in_force

Sec. 2. (a) The commissioner and the department may implement and enforce the insurance law of this state in connection with a health benefit exchange.

(b) A law of this state concerning a health benefit exchange does not preempt or supersede the authority of the commissioner or department to regulate the business of insurance in Indiana.

(c) This section does not require the department to perform any function related to a health benefit exchange without being appropriately compensated for the performance of the function.

As added by P.L.278-2013, SEC.27.
Ind. Code § 27-2-13-5 — Indiana Code / Title 27 / Article 2 / Chapter 13 / Section 27-2-13-5
Withholding of insurance proceeds; exceptions
Status: in_force

Sec. 5. An authorized agency that is investigating a fire believed to have been caused by arson may, in writing, order an insurer to withhold payment of the proceeds of an insurance policy on the damaged or destroyed property for up to thirty (30) days from the date of the order. The insurer may not make a payment during that time, except for payments:

(1) for emergency living expenses;

(2) for emergency action necessary to secure the premises;

(3) necessary to prevent further damage to the premises; or

(4) to a mortgagee who is not the target of investigation by the authorized agency.

As added by P.L.247-1989, SEC.1.
Ind. Code § 27-1-13-6 — Indiana Code / Title 27 / Article 1 / Chapter 13 / Section 27-1-13-6
Limitation on risks; effect of reinsurance
Status: in_force

Sec. 6. (a) No company organized to make any kind or kinds of insurance included in class II and class III of IC 27-1-5-1 may take, on any one (1) risk of whatever nature, a sum exceeding one-tenth (1/10) part of its paid-up capital, surplus, and contingent reserves, if any, if a stock company, or one-tenth (1/10) part of its surplus and contingent reserves, if any, if other than a stock company. No portion of any such risk or hazard which shall have been reinsured in accordance with any regulations that the commissioner may enact pursuant to this section shall be included in determining the limitation of risk prescribed in this section. This section shall not apply to marine insurances, companies organized to make life insurance, or companies organized to issue title insurance.

(b) No stock or mutual insurance company transacting fidelity or surety business in this state shall expose itself to any loss on any one (1) fidelity or surety risk or hazard in an amount exceeding ten percent (10%) of its capital, surplus and contingent reserves, if any, unless it shall be protected in excess of that amount by: (a) Reinsurance in a company authorized to transact the fidelity or surety business in this state, provided that such reinsurance is in such form as to enable the obligee or beneficiary to maintain an action thereon against the company reinsured jointly with such reinsurer and, upon recovering judgment against such reinsured, to have recovery against such reinsurer for payment to the extent in which it may be liable under such reinsurance and in discharge thereof; or (b) the cosuretyship of such a company similarly authorized; or (c) deposit with it in pledge or conveyance to it in trust for its protection of property; or (d) conveyance or mortgage for its protection; or (e) in case a suretyship obligation was made on behalf or on account of a fiduciary holding property in a trust capacity, deposit or other disposition of a portion of the property so held in trust that no future sale, mortgage, pledge or other disposition can be made thereof without the consent of such company; except by decree or order of a court of competent jurisdiction. However (1) such a company may execute what are known as transportation or warehousing bonds for United States internal revenue taxes to an amount equal to fifty percent (50%) of its capital, surplus and contingent reserves, if any; (2) when the penalty of the suretyship obligation exceeds the amount of a judgment described therein as appealed from and thereby secured, or exceeds the amount of the subject-matter in controversy or of the estate in the hands of the fiduciary for the performance of whose duties it is conditioned, the bond may be executed if the actual amount of the judgment or the subject-matter in controversy or estate not subject to supervision or control of the surety is not in excess of such limitation; and (3) when the penalty of the suretyship obligation executed for the performance of a contract exceeds the contract price, the latter shall be taken as the basis for estimating the limit of risk within the meaning of this section. No such company may, anything to the contrary in this section notwithstanding, execute suretyship obligations guaranteeing the deposits of any single financial institution in an aggregate amount in excess of ten percent (10%) of the capital, surplus and contingent reserves, if any, of such corporate surety, unless it is protected in excess of that amount by credits in accordance with subdivisions (a), (b), (c) or (d) of this subsection.

Formerly: Acts 1935, c.162, s.175. As amended by Acts 1982, P.L.162, SEC.1; P.L.260-1983, SEC.4.
Ind. Code § 27-1-34-7 — Indiana Code / Title 27 / Article 1 / Chapter 34 / Section 27-1-34-7
Insolvency; notification of department
Status: in_force

Sec. 7. If any domestic multiple employer welfare arrangement is insolvent or in imminent danger of insolvency, or fails or suspends operation between periods of examination authorized, it is a class A misdemeanor for the highest officer then actively in charge of such multiple employer welfare arrangement to knowingly fail to notify the department immediately of such condition, failure, or suspension.

As added by P.L.1-1992, SEC.149.
Ind. Code § 27-2-13-3 — Indiana Code / Title 27 / Article 2 / Chapter 13 / Section 27-2-13-3
Notice to authorized agency by insurer of suspected nonaccidental fire loss
Status: in_force

Sec. 3. (a) When an insurer has reason to believe that a fire loss in which it has an interest was caused by a means that was not accidental, then, for the purpose of notification and for having that fire loss investigated, the company shall, in writing, notify an authorized agency and provide that agency with all material developed from the insurer's inquiry into the fire loss.

(b) When an insurer provides an authorized agency with notice of a fire loss, it shall be considered sufficient notice for the purpose of this chapter. However, the insurer shall provide the state fire marshal a copy of the information provided under subsection (a), if the notice was provided to an authorized agency other than the state fire marshal.

As added by Acts 1979, P.L.253, SEC.1. Amended by P.L.139-1984, SEC.3; P.L.245-1987, SEC.17; P.L.1-2006, SEC.486.
Ind. Code § 27-1-50.3-5 — Indiana Code / Title 27 / Article 1 / Chapter 50.3 / Section 27-1-50.3-5
Provision of list of managed care organizations; update of list
Status: in_force

Sec. 5. (a) Not later than May 30, 2025, and after consulting with the secretary or the secretary's designee regarding compliance with 42 U.S.C. 1396b(w)(7)(A)(viii) and 42 CFR 433.56(a)(8) and the types of managed care organizations recognized under Indiana law, the commissioner or the commissioner's designee shall provide the secretary or the secretary's designee with a list of the managed care organizations that hold a certificate of authority, license, or other similar authorization issued by the department and that are managed care organizations for purposes of 42 U.S.C. 1396b(w)(7)(A)(viii) and 42 CFR 433.56(a)(8).

(b) The commissioner or the commissioner's designee shall update this list to the secretary or the secretary's designee not sooner than one hundred twenty (120) days, and not later than ninety (90) days, from the start of each state fiscal year for which the fee is assessed.

As added by P.L.216-2025, SEC.47.
Ind. Code § 27-1-2.2-6 — Indiana Code / Title 27 / Article 1 / Chapter 2.2 / Section 27-1-2.2-6
Reinsurance
Status: in_force

Sec. 6. A nonprofit agricultural organization offering coverage under this chapter shall reinsure all or a portion of its risks under this coverage with a company authorized to transact reinsurance business or stop-loss insurance business in Indiana.

As added by P.L.136-2020, SEC.1.
Ind. Code § 27-1-52-0.5 — Indiana Code / Title 27 / Article 1 / Chapter 52 / Section 27-1-52-0.5
"CARC"
Status: in_force

Sec. 0.5. As used in this chapter, "CARC" refers to the claim adjustment reason codes that provide the reason for a financial adjustment specified to a particular claim or service, as referenced in the transmitted Accredited Standards Committee (ASC) X12 835 standard transaction adopted by the Department of Health and Human Services under 45 CFR 162.1602.

As added by P.L.88-2026, SEC.6.
Ind. Code § 27-2-9.1-5 — Indiana Code / Title 27 / Article 2 / Chapter 9.1 / Section 27-2-9.1-5
Health plan procedure allowing cost of prescription drug to be counted against deductible
Status: in_force

Sec. 5. (a) A health plan shall implement a procedure to allow a covered individual to submit a claim to offset the covered individual's deductible for the cost of a purchase by the covered individual of a prescription drug that:

(1) is covered under the covered individual's health plan; and

(2) was purchased by the covered individual without submitting at the point of purchase the claim through the health plan.

(b) If a covered individual submits a claim to the health plan in accordance with the procedure established under subsection (a), the health plan shall verify the purchase described under subsection (a) and count the amount paid by the covered individual for the purchased covered prescription drug against the covered individual's deductible.

As added by P.L.114-2020, SEC.17.
Ind. Code § 27-1-24.5-26 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-26
Disclosure of contract with another party
Status: in_force

Sec. 26. A person or entity that has contracted with a pharmacy benefit manager for the performance of services described in section 12(a) of this chapter is entitled to full disclosure from the pharmacy benefit manager of the terms of a contract between the pharmacy benefit manager and any other person or entity within the same network concerning the performance of the services described in section 12(a) of this chapter, including:

(1) the purchase price for prescription drugs within the same network and set by a contract entered into by the pharmacy benefit manager; and

(2) the amount of any rebate provided in connection with the purchase of prescription drugs within the same network by a contract entered into by the pharmacy benefit manager.

As added by P.L.68-2020, SEC.1.
Ind. Code § 27-8-24.2-2 — Indiana Code / Title 27 / Article 8 / Chapter 24.2 / Section 27-8-24.2-2
"Orthotic device"
Status: in_force

Sec. 2. As used in this chapter, "orthotic device" means a medically necessary custom fabricated brace or support that is designed as a component of a prosthetic device.

As added by P.L.109-2008, SEC.2.
Ind. Code § 27-16-3-4 — Indiana Code / Title 27 / Article 16 / Chapter 3 / Section 27-16-3-4
Effect on tax credits and incentives
Status: in_force

Sec. 4. (a) For purposes of the determination of tax credits and other economic incentives:

(1) provided by the state or another governmental entity; and

(2) based on employment;

a covered employee is considered an employee solely of the client.

(b) A client is entitled to the benefit of any tax credit, economic incentive, or other benefit arising as the result of the employment of a covered employee of the client.

(c) If the grant or amount of an incentive is based on the number of employees a client employs:

(1) each client must be treated as employing only the covered employees actually working in the client's business operations; and

(2) covered employees working for other clients of the PEO must not be counted.

(d) A PEO shall provide, upon request by a client or an agency or a department of the state or of another governmental entity, employment information:

(1) reasonably required by an agency or a department of the state or of another governmental entity that is responsible for administration of a tax credit or economic incentive described in this section; and

(2) necessary;

to support a request, a claim, an application, or another action by a client seeking a tax credit or an economic incentive.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-1-46-16 — Indiana Code / Title 27 / Article 1 / Chapter 46 / Section 27-1-46-16
Good faith estimate request from patient eligible for Medicare
Status: in_force

Sec. 16. If:

(1) a provider facility receives a request for a good faith estimate under this chapter; and

(2) the patient is eligible for Medicare coverage;

the provider facility shall provide a good faith estimate to the patient within two (2) business days based on available Medicare cost sharing rates.

As added by P.L.93-2020, SEC.12. Amended by P.L.202-2021, SEC.15; P.L.215-2025, SEC.58.
Ind. Code § 27-2-11.1-1 — Indiana Code / Title 27 / Article 2 / Chapter 11.1 / Section 27-2-11.1-1
Competence to contract for insurance
Status: in_force

Sec. 1. No person eighteen (18) years of age or over is incompetent because of age to contract for any insurance or exercise every right, privilege and benefit provided by any insurance contract.

Formerly: Acts 1973, P.L.275, SEC.5.
Ind. Code § 27-1-28-22 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-22
Reports to commissioner of administrative and criminal actions
Status: in_force

Sec. 22. (a) An independent adjuster shall report to the commissioner an administrative action taken against the independent adjuster:

(1) in another jurisdiction; or

(2) by another governmental agency in Indiana;

not more than thirty (30) days after the final disposition of the matter. The report must include a copy of the order or consent order, and any other relevant documentation.

(b) An independent adjuster shall report to the commissioner any criminal action taken against the independent adjuster:

(1) in another jurisdiction; or

(2) by another governmental agency in Indiana;

not more than thirty (30) days after the final disposition of the criminal matter. The report must include a copy of the initial complaint filed, the final order issued by the court, and any other relevant documentation.

As added by P.L.11-2011, SEC.22.
Ind. Code § 27-16-4-5 — Indiana Code / Title 27 / Article 16 / Chapter 4 / Section 27-16-4-5
Satisfaction of requirements
Status: in_force

Sec. 5. A PEO group may satisfy the reporting and financial requirements of this chapter on a combined or consolidated basis if each member of the PEO group guarantees the obligations under this article of each other member of the PEO group.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-1-37-7.5 — Indiana Code / Title 27 / Article 1 / Chapter 37 / Section 27-1-37-7.5
Required disclosures
Status: in_force

Sec. 7.5. (a) This section applies to a health provider contract entered into, amended, or renewed after June 30, 2025.

(b) When a health carrier is in the process of negotiating a health provider contract with a health provider facility or provider, the health carrier must provide to the health provider facility or provider the following:

(1) A current fee schedule that must include the following information:

(A) The proposed reimbursement for each covered service under the proposed health provider contract.

(B) The twenty-fifth percentile, fiftieth percentile, and seventy-fifth percentile reimbursement amounts in Indiana for each covered service under the proposed health provider contract.

(2) The current criteria that the health carrier uses when determining whether to issue an administrative denial.

(c) When a health provider facility or provider is in the process of negotiating a health provider contract with a health carrier, the health provider facility or provider shall provide the health carrier with the twenty-fifth percentile, fiftieth percentile, and seventy-fifth percentile reimbursement amounts that the health provider facility or provider receives for each covered service under the proposed health provider contract.

As added by P.L.215-2025, SEC.49.
Ind. Code § 27-1-12-3.5 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-3.5
Intangible assets attributable to investment in subsidiary; exceptions
Status: in_force

Sec. 3.5. Goodwill, trade names, and other like intangible assets attributable to any investment in a subsidiary shall be admitted as assets except:

(1) to the extent that the aggregate amount thereof exceeds ten percent (10%) of the capital and surplus of the insurer as reported in its latest annual report filed with the commissioner;

(2) to the extent that any such asset is not being amortized ratably over a period of ten (10) years or less from the date of acquisition; and

(3) in determining the financial condition or solvency of an insurer under IC 27-9.

As added by P.L.160-1986, SEC.1.
Ind. Code § 27-8-21-3 — Indiana Code / Title 27 / Article 8 / Chapter 21 / Section 27-8-21-3
Violation an unfair or deceptive act or practice
Status: in_force

Sec. 3. The presentation to the general public of an advertisement that violates section 2 of this chapter is an unfair and deceptive act or practice in the business of insurance under IC 27-4-1-4.

As added by P.L.1-1994, SEC.138.
Ind. Code § 27-10-2-1 — Indiana Code / Title 27 / Article 10 / Chapter 2 / Section 27-10-2-1
Administration of article; rules; employees
Status: in_force

Sec. 1. (a) The commissioner:

(1) shall administer this article, which regulates bail agents, recovery agents, and sureties; and

(2) may adopt rules to enforce this article.

(b) The commissioner may employ and discharge employees, examiners, counsel, and other assistants as necessary and shall prescribe their duties and their compensation.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.5.
Ind. Code § 27-10-3-5 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-5
Recovery agent; additional licensing requirements; fees; fingerprints and photographs
Status: in_force

Sec. 5. In addition to the requirements prescribed in section 1 of this chapter, an applicant for a license to serve as a recovery agent must affirmatively show that:

(1) the applicant is at least eighteen (18) years of age;

(2) the applicant is a citizen of the United States and has been a bona fide resident of this state for more than six (6) months immediately preceding the date of application;

(3) the applicant has never been convicted of a disqualifying offense, notwithstanding IC 25-1-1.1, or:

(A) in the case of a felony conviction, at least ten (10) years have passed since the date of the applicant's conviction or release from imprisonment, parole, or probation, whichever is later; or

(B) in the case of a misdemeanor disqualifying offense, at least five (5) years have passed since the date of the applicant's conviction or release from imprisonment, parole, or probation, whichever is later; and

(4) the applicant has completed at least twelve (12) hours of instruction in courses approved by the commissioner under section 7.1 of this chapter that pertain to the duties and responsibilities of a bail agent or recovery agent, including instruction in the laws that relate to the conduct of a bail agent or recovery agent.

A license fee of three hundred dollars ($300) and an examination fee of one hundred dollars ($100) shall be submitted to the commissioner with each application, together with the applicant's fingerprints and photograph.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.16; P.L.102-2005, SEC.3.
Ind. Code § 27-10-1-7.5 — Indiana Code / Title 27 / Article 10 / Chapter 1 / Section 27-10-1-7.5
"License"
Status: in_force

Sec. 7.5. "License" has the meaning set forth in IC 25-1-2-6.

As added by P.L.23-1996, SEC.27.
Ind. Code § 27-8-24.1-5 — Indiana Code / Title 27 / Article 8 / Chapter 24.1 / Section 27-8-24.1-5
Coverage for medical food
Status: in_force

Sec. 5. An accident and sickness insurance policy must provide coverage for medical food that is:

(1) medically necessary; and

(2) prescribed by a covered individual's treating physician for treatment of the covered individual's inherited metabolic disease.

As added by P.L.166-2003, SEC.2.
Ind. Code § 27-1-39-1 — Indiana Code / Title 27 / Article 1 / Chapter 39 / Section 27-1-39-1
"Commissioner" defined
Status: in_force

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

As added by P.L.38-2006, SEC.1.
Ind. Code § 27-15-11-5 — Indiana Code / Title 27 / Article 15 / Chapter 11 / Section 27-15-11-5
Designation of assets
Status: in_force

Sec. 5. The assets assigned to a closed block shall be specified in the plan of operation and must consist of:

(1) a list of designated assets of the converting mutual's general account or specified segments of the converting mutual's general account, which list shall change periodically to reflect the acquisition and disposition of assets;

(2) a designated portion of each and every asset of the converting mutual's general account or specified segments of the converting mutual's general account, which portion shall change periodically to reflect the cash flows of the closed block; or

(3) assets designated by a combination of the methods described in this section.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-8-5.6-4 — Indiana Code / Title 27 / Article 8 / Chapter 5.6 / Section 27-8-5.6-4
Application of chapter
Status: in_force

Sec. 4. This chapter applies to accident and sickness insurance policies and contracts delivered or issued for delivery in Indiana after October 1, 1975.

As added by P.L.5-1988, SEC.148.
Ind. Code § 27-13-36-11 — Indiana Code / Title 27 / Article 13 / Chapter 36 / Section 27-13-36-11
Standards for continuity of care
Status: in_force

Sec. 11. The health maintenance organization shall develop standards for continuity of care following enrollment, including sufficient information on how to access care within the health maintenance organization.

As added by P.L.69-1998, SEC.14.
Ind. Code § 27-1-45.2-12 — Indiana Code / Title 27 / Article 1 / Chapter 45.2 / Section 27-1-45.2-12
Memorandum of conference
Status: in_force

Sec. 12. (a) A conference under section 11(b) of this chapter must result in a written memorandum of conference.

(b) The memorandum must include the following information for the disputes reviewed:

(1) Identification of the disputes.

(2) The initial paid claim amount made by the health carrier to the out of network provider.

(3) The health carrier offer made during the applicable federal open negotiation period.

(4) The out of network provider requested amount.

(5) The qualifying payment amount, as determined under federal law.

(c) The memorandum is informational only and does not:

(1) impose penalties, fees, or financial disincentives;

(2) mandate payment outcomes;

(3) affect eligibility for independent dispute resolution; or

(4) alter claim level rights or remedies under federal or state law.

(d) The completed memorandum of conference shall be filed with the department. Claim specific payment information contained in the memorandum is confidential under IC 5-14-3-4 and is exempt from public access and disclosure under Indiana law.

(e) The department may not publish a memorandum that is filed under subsection (d). However, the department shall publish on the department's website information concerning the aggregate number of memorandums filed with the department.

As added by P.L.119-2026, SEC.1.
Ind. Code § 27-7-2-23 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-23
Repealed
Status: repealed

Formerly: Acts 1935, c.323, s.23. As amended by P.L.28-1988, SEC.97. Repealed by P.L.249-1989, SEC.19.
Ind. Code § 27-2-21-8 — Indiana Code / Title 27 / Article 2 / Chapter 21 / Section 27-2-21-8
"Credit report"
Status: in_force

Sec. 8. As used in this chapter, "credit report" means a written, an oral, or another communication of information by a consumer reporting agency concerning a consumer's creditworthiness, credit standing, or credit capacity that is used or expected to be used or collected as a factor to determine personal insurance policy premiums, eligibility for coverage, or tier placement.

As added by P.L.201-2003, SEC.1.
Ind. Code § 27-1-15.7-8 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-8
Hearings
Status: in_force

Sec. 8. All hearings held under this chapter are governed by IC 4-21.5-3. The commissioner may appoint members of the commissioner's staff to act as hearing officers for purposes of hearings held under this chapter.

As added by P.L.132-2001, SEC.4.
Ind. Code § 27-8-28-6 — Indiana Code / Title 27 / Article 8 / Chapter 28 / Section 27-8-28-6
"Grievance"
Status: in_force

Sec. 6. As used in this chapter, "grievance" means any dissatisfaction expressed by or on behalf of a covered individual regarding:

(1) a determination that a service or proposed service is not appropriate or medically necessary;

(2) a determination that a service or proposed service is experimental or investigational;

(3) the availability of participating providers;

(4) the handling or payment of claims for health care services;

(5) matters pertaining to the contractual relationship between:

(A) a covered individual and an insurer; or

(B) a group policyholder and an insurer;

(6) an insurer's decision to rescind an accident and sickness insurance policy; or

(7) a determination concerning a prior authorization request under IC 27-1-37.5;

and for which the covered individual has a reasonable expectation that action will be taken to resolve or reconsider the matter that is the subject of dissatisfaction.

As added by P.L.66-2001, SEC.2 and P.L.203-2001, SEC.13. Amended by P.L.1-2002, SEC.114; P.L.160-2011, SEC.22; P.L.77-2018, SEC.3.
Ind. Code § 27-1-29.1-13 — Indiana Code / Title 27 / Article 1 / Chapter 29.1 / Section 27-1-29.1-13
Liability partial payment determination; formula
Status: in_force

Sec. 13. The amount that is to be paid by the commission toward the satisfaction of a liability qualifying for partial payment under this chapter is determined in STEP FOUR of the following formula:

STEP ONE: If the total amount of the liability exceeds five million dollars ($5,000,000), subtract five million dollars ($5,000,000) from the total amount of the liability.

STEP TWO: Add the remainder under STEP ONE to the minimum total amount figure that applies to the liability under section 12 of this chapter.

STEP THREE: Add to the sum determined under STEP TWO the total amount expended by the commission under section 16 of this chapter in defending the member of the fund against claims giving rise to the liability.

STEP FOUR: Subtract the sum determined under STEP THREE from the total amount of the liability.

As added by P.L.272-1987, SEC.7.
Ind. Code § 27-1-24.5-0.7 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-0.7
"Contract holder"
Status: in_force

Sec. 0.7. As used in this chapter, "contract holder" means:

(1) an individual or entity that offers health insurance coverage to its employees or members through a self-funded health benefit plan, including a self-funded health benefit plan that complies with the federal Employee Retirement Income Security Act (ERISA) of 1974 (29 U.S.C. 1001 et seq.);

(2) a health plan; or

(3) Medicaid or a managed care organization (as defined in IC 12-7-2.1-218) that provides services to a Medicaid recipient;

that contracts with a pharmacy benefit manager to provide services.

As added by P.L.152-2024, SEC.11. Amended by P.L.145-2026, SEC.141.
Ind. Code § 27-5.1-1-6 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-6
"Extended company"
Status: in_force

Sec. 6. "Extended company" means a farm mutual insurance company that is authorized to provide coverage as described in IC 27-5.1-4.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-2-18-10 — Indiana Code / Title 27 / Article 2 / Chapter 18 / Section 27-2-18-10
Reports as confidential information; exceptions
Status: in_force

Sec. 10. (a) Except as provided in subsections (b) and (c), any report obtained by or disclosed to the commissioner under this chapter:

(1) shall be confidential information; and

(2) shall not, without the prior written consent of the insurer to which it pertains, be:

(A) subject to subpoena; or

(B) made public by the commissioner, the National Association of Insurance Commissioners, or any other person.

(b) A report obtained under this chapter may be made available to other departments of insurance in other states subject to IC 27-1-3-10.5.

(c) The commissioner may, after giving notice and an opportunity to be heard to the insurer that would be affected by the release of information under this chapter:

(1) determine that the interests of policyholders, shareholders, or the public will be served by the publication of information in the report under section 7 of this chapter; and

(2) publish all or any part of the information in such manner as the commissioner considers appropriate.

(d) The commissioner may not:

(1) disclose; or

(2) subject to subpoena;

financial information regarding material transactions disclosed by an insurer under this chapter.

As added by P.L.251-1995, SEC.17.
Ind. Code § 27-2-24-6 — Indiana Code / Title 27 / Article 2 / Chapter 24 / Section 27-2-24-6
"Insurer"
Status: in_force

Sec. 6. As used in this chapter, "insurer" means an insurance company that issues or delivers a policy of property or casualty insurance.

As added by P.L.148-2017, SEC.8.
Ind. Code § 27-1-12-40 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-40
Group life insurance; premiums; spouse or dependent child coverage
Status: in_force

Sec. 40. Except for a policy that conforms to the description in section 37(2) of this chapter, a group life insurance policy may be extended to insure the employees or members, or any class or classes of employees or members, against loss due to the death of their spouses and dependent children, subject to the following:

(1) The premium for the insurance must be paid either from funds contributed by the employer, union, association, or other person to whom the policy has been issued, from funds contributed by the covered persons, or from both sources of funds. Except as provided in subdivision (2), a policy on which no part of the premium for the spouse's and dependent child's coverage is to be derived from funds contributed by the covered persons must insure all eligible employees or members, or any class or classes of eligible employees or members, with respect to their spouses and dependent children.

(2) An insurer may exclude or limit the coverage on any spouse or dependent child as to whom evidence of individual insurability is not satisfactory to the insurer.

As added by P.L.254-1985, SEC.4. Amended by P.L.111-2008, SEC.2.
Ind. Code § 27-8-13-14 — Indiana Code / Title 27 / Article 8 / Chapter 13 / Section 27-8-13-14
Outline of coverage; contents
Status: in_force

Sec. 14. (a) In order to provide for full and fair disclosure in the sale of Medicare supplement policies, a Medicare supplement policy or certificate may not be delivered in Indiana unless an outline of coverage is delivered to the applicant at the time application is made.

(b) The commissioner shall prescribe by rule adopted under IC 4-22-2 the form and content of the outline of coverage required by subsection (a). For purposes of this section, "form" means style, arrangements, and overall appearance, including such items as the size, color, and prominence of type and arrangement of text and captions. The outline of coverage must include the following:

(1) A description of the principal benefits and coverage provided in the policy.

(2) A statement of the renewal provisions, including a reservation by the issuer of a right to change premiums, and a disclosure of the existence of any automatic premium increases based on the policyholder's age.

(3) A statement that the outline of coverage is a summary of the policy issued or applied for and that the policy should be consulted to determine governing contractual provisions.

As added by P.L.255-1989, SEC.11. Amended by P.L.126-1992, SEC.11.
Ind. Code § 27-1-3-2 — Indiana Code / Title 27 / Article 1 / Chapter 3 / Section 27-1-3-2
Conflicts of interest
Status: in_force

Sec. 2. Neither the insurance commissioner, during his term of office, nor any deputy, actuary, securities clerk, examiner or employee shall be directly or indirectly interested in any insurance company, except as an ordinary policyholder.

Formerly: Acts 1935, c.162, s.9.
Ind. Code § 27-6-6-13 — Indiana Code / Title 27 / Article 6 / Chapter 6 / Section 27-6-6-13
Terms inserted in policy; conformity to state law
Status: in_force

Sec. 13. The attorney may insert in any form of policy prescribed by the laws of this state any provisions or conditions required by the plan of reciprocal or interinsurance, Provided That same shall not be inconsistent with or in conflict with the law of this state. Such policy in lieu of conforming to the language and form prescribed by such law, shall be held to conform thereto in substance if such policy includes a provision or endorsement reciting that the policy shall be construed as if in the language and form prescribed by such law. Any such endorsement shall first be filed with the insurance department.

Formerly: Acts 1919, c.102, s.13; Acts 1967, c.232, s.10.
Ind. Code § 27-7-19-5 — Indiana Code / Title 27 / Article 7 / Chapter 19 / Section 27-7-19-5
"Work based learning program"
Status: in_force

Sec. 5. As used in this chapter, "work based learning program" has the meaning set forth in IC 20-20.5-11.5-3.

As added by P.L.51-2026, SEC.9. Amended by P.L.145-2026, SEC.309.
Ind. Code § 27-4-1-5.6 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-5.6
Unfair claim settlement practice complaint; response; investigation; report; notice of remedies
Status: in_force

Sec. 5.6. (a) A person who:

(1) has submitted a claim to an insurer under an insurance policy; and

(2) believes that an unfair claim settlement practice described in section 4.5 of this chapter has been committed in connection with the claim;

may file a complaint with the commissioner.

(b) A complaint may not be filed under subsection (a) by a public adjuster (as defined in IC 27-1-27-1) on behalf of a person described in subsection (a) unless the person described in subsection (a) has given written consent for the public adjuster to file the complaint on the person's behalf.

(c) If the commissioner believes an unfair claim settlement practice has occurred, the commissioner shall, within ten (10) business days from the date of receipt of a written complaint, deliver a copy of the complaint to the insurer and shall respond in writing to the complaining party, at the address provided in the complaint, advising the party of the following:

(1) The specific action taken by the department on the complaint.

(2) Any further investigations or other actions that are intended by the department.

(d) An insurer who receives a written notice of complaint under subsection (c) shall promptly conduct an investigation of the matters alleged in the complaint. Within twenty (20) business days from the date of receipt of the complaint, the insurer shall provide to the commissioner and the complaining party a written report containing the following information:

(1) The specific reasons for actions taken by the insurer with respect to the claim.

(2) The specific reasons for any inaction by the insurer with respect to the claim.

(3) If the claim has not been settled, a good faith estimate of the time required for settlement.

(e) An insurer who commits an unfair claims settlement practice or who fails to comply with this section is subject to action by the commissioner under section 6 of this chapter.

(f) Each insurer shall provide to each current policyholder a one (1) time written notice of the remedies provided under this section. Future policyholders shall be notified by the insurer at the time the insurance policy is issued.

As added by P.L.1-1991, SEC.166. Amended by P.L.226-2023, SEC.22.
Ind. Code § 27-13-29-1 — Indiana Code / Title 27 / Article 13 / Chapter 29 / Section 27-13-29-1
Applicability of provisions
Status: in_force

Sec. 1. (a) Except as provided in subsection (b) or as otherwise provided in this article or IC 27:

(1) IC 27; and

(2) the provisions of IC 16 regulating hospitals;

do not apply to any health maintenance organization or limited service health maintenance organization (as defined in IC 27-13-34-4) that is granted a certificate of authority under this article. However, this section does not apply to an insurer or a hospital that is licensed under Indiana law, except with respect to the health maintenance organization activities of the hospital or insurer that are authorized and regulated under this article.

(b) Every:

(1) health maintenance organization; and

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

authorized to do business in Indiana is subject to IC 27-4-1 relating to unfair methods of competition and unfair or deceptive acts or practices to the extent that IC 27-4-1 does not conflict with this article. If a provision in IC 27-4-1 conflicts with this article, this article governs and controls.

As added by P.L.26-1994, SEC.25. Amended by P.L.255-1995, SEC.14; P.L.91-1998, SEC.23.
Ind. Code § 27-8-26-11 — Indiana Code / Title 27 / Article 8 / Chapter 26 / Section 27-8-26-11
Violation unfair and deceptive act or practice
Status: in_force

Sec. 11. A violation of this chapter is an unfair and deceptive act or practice in the business of insurance under IC 27-4-1-4.

As added by P.L.150-1997, SEC.4.
Ind. Code § 27-7-18.7-2 — Indiana Code / Title 27 / Article 7 / Chapter 18.7 / Section 27-7-18.7-2
"Condominium unit"
Status: in_force

Sec. 2. As used in this chapter, "condominium unit" has the meaning set forth in IC 32-25-2-9.

As added by P.L.86-2026, SEC.25.
Ind. Code § 27-5.1-1-8 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-8
"First class city"
Status: in_force

Sec. 8. "First class city" refers to a first class city as classified under IC 36-4-1-1.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-7-2-29 — Indiana Code / Title 27 / Article 7 / Chapter 2 / Section 27-7-2-29
Rejected risks; designation of insurer; reinsurance
Status: in_force

Sec. 29. (a) When any such rejected risk is called to the attention of the worker's compensation board and it appearing to the board that said risk is in good faith entitled to coverage, said bureau upon the order of the board shall fix the initial premium for the coverage.

(b) Upon payment, of the premium fixed under subsection (a), the bureau shall designate a member of said bureau whose duty it shall be to issue a policy containing the usual and customary provisions found in such policies therefor. However, for this undertaking all members of said bureau shall be reinsurers as among themselves in the amount which the compensation insurance written in this state during the preceding calendar year by such member bears to the total compensation insurance written in this state during the preceding year by all members of said bureau.

Formerly: Acts 1935, c.323, s.29. As amended by P.L.28-1988, SEC.101.
Ind. Code § 27-1-3.1-5 — Indiana Code / Title 27 / Article 1 / Chapter 3.1 / Section 27-1-3.1-5
Insurer
Status: in_force

Sec. 5. As used in this chapter, "insurer" has the meaning set forth in IC 27-1-2-3.

As added by P.L.26-1991, SEC.5.
Ind. Code § 27-13-10-1 — Indiana Code / Title 27 / Article 13 / Chapter 10 / Section 27-13-10-1
Establishment of procedures
Status: in_force

Sec. 1. A health maintenance organization or limited service health maintenance organization shall establish and maintain a grievance procedure for the resolution of grievances initiated by enrollees and subscribers of the organization. The grievance procedure of a health maintenance organization or limited service health maintenance organization must be approved by the commissioner.

As added by P.L.26-1994, SEC.25. Amended by P.L.191-1997, SEC.4.
Ind. Code § 27-8-35.5-2 — Indiana Code / Title 27 / Article 8 / Chapter 35.5 / Section 27-8-35.5-2
"Chronic pain management"
Status: in_force

Sec. 2. As used in this chapter, "chronic pain management" means evidence based health care products and services intended to relieve chronic pain that has lasted for at least three (3) months. The term includes:

(1) prescription drugs;

(2) physical therapy;

(3) occupational therapy;

(4) chiropractic care;

(5) osteopathic manipulative treatment; and

(6) athletic trainer services.

As added by P.L.149-2019, SEC.5.
Ind. Code § 27-10-2-3 — Indiana Code / Title 27 / Article 10 / Chapter 2 / Section 27-10-2-3
Undertakings; validity; defect of form or other irregularity; expiration
Status: in_force

Sec. 3. (a) An undertaking is valid if it states:

(1) the court where the defendant is to appear;

(2) the amount of the bail; and

(3) that it was made before an official legally authorized to take the bond.

(b) A surety remains liable on an undertaking despite:

(1) any lack of the surety's qualifications as required by section 4 of this chapter;

(2) any other agreement that is expressed in the undertaking;

(3) any failure of the defendant to join in the undertaking; or

(4) any other defect of form or record, or any other irregularity, except as to matters covered by subsection (a).

(c) Any undertaking written after August 31, 1985, shall expire thirty-six (36) months after it is posted for the release of a defendant from custody. This section does not apply to cases in which a bond has been declared to be forfeited and the surety and bail agent have been notified as described in section 12 of this chapter.

As added by P.L.261-1985, SEC.1. Amended by P.L.355-1989(ss), SEC.1; P.L.105-2010, SEC.6.
Ind. Code § 27-1-50-6 — Indiana Code / Title 27 / Article 1 / Chapter 50 / Section 27-1-50-6
"Price protection rebate"
Status: in_force

Sec. 6. As used in this chapter, "price protection rebate" means a negotiated price concession that accrues directly or indirectly to an insurer, or another party on behalf of an insurer, if there is an increase in the wholesale acquisition cost of a prescription drug above a specified threshold.

As added by P.L.166-2023, SEC.3.
Ind. Code § 27-13-6-10 — Indiana Code / Title 27 / Article 13 / Chapter 6 / Section 27-13-6-10
Hospital accreditation
Status: in_force

Sec. 10. (a) A health maintenance organization may not refuse to enter into an agreement with a hospital solely because the hospital has not obtained accreditation from an accreditation organization that:

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

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

(3) was organized and formed in 1951.

(b) This section does not prohibit a health maintenance organization from using performance indicators or quality standards that:

(1) are developed by private organizations; and

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

As added by P.L.259-1995, SEC.3.
Ind. Code § 27-6-8-14 — Indiana Code / Title 27 / Article 6 / Chapter 8 / Section 27-6-8-14
Tax exemption
Status: in_force

Sec. 14. (Tax Exemption) The association shall be exempt from payment of all fees and all taxes levied by this state or any of its subdivisions except taxes levied on real or personal property.

Formerly: Acts 1971, P.L.390, SEC.1.
Ind. Code § 27-8-16-1 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-1
"Claim review agent" defined
Status: in_force

Sec. 1. (a) As used in this chapter, "claim review agent" means any entity performing medical claims review on behalf of an insurance company, a health maintenance organization, or another benefit program providing payment, reimbursement, or indemnification for health care costs to an enrollee.

(b) The term does not include the following:

(1) An insurance company authorized under IC 27-1-3 or IC 27-1-17 to do business in Indiana or the company's affiliated companies.

(2) An entity acting on behalf of the federal or state government. However, an agent described in this subdivision who performs medical claims review for a person other than the federal or state government is a claim review agent who is subject to the requirements of this chapter.

(3) A health maintenance organization or limited service health maintenance organization that holds a certificate of authority to operate under IC 27-13.

(4) An insurance administrator that is licensed under IC 27-1-25.

(5) An individual qualified and acting as an expert witness under the Indiana Rules of Trial Procedure.

As added by P.L.128-1992, SEC.2. Amended by P.L.26-1994, SEC.17; P.L.160-2003, SEC.25.
Ind. Code § 27-9-3.1-5 — Indiana Code / Title 27 / Article 9 / Chapter 3.1 / Section 27-9-3.1-5
"Forward contract"
Status: in_force

Sec. 5. As used in this chapter, "forward contract" has the meaning set forth in the Federal Deposit Insurance Act (12 U.S.C. 1821).

As added by P.L.11-2011, SEC.36.
Ind. Code § 27-13-7-20.1 — Indiana Code / Title 27 / Article 13 / Chapter 7 / Section 27-13-7-20.1
Individual or group contract providing coverage for prescription eye drops; refill of prescription eye drops; requirements
Status: in_force

Sec. 20.1. (a) This section applies to an individual contract or a group contract that provides coverage for prescription eye drops.

(b) An individual contract or a group contract must provide coverage for a refill of prescription eye drops if the following are met:

(1) For a thirty (30) day supply, the enrollee requests the refill not earlier than twenty-five (25) days from the date the prescription eye drops were last dispensed to the enrollee.

(2) For a ninety (90) day supply, the enrollee requests the refill not earlier than seventy-five (75) days from the date the prescription eye drops were last dispensed to the enrollee.

(3) The prescribing practitioner has indicated on the prescription that the prescription eye drops are refillable and the refill requested by the enrollee does not exceed the refillable amount remaining on the prescription.

(c) The coverage required by subsection (b) must not be subject to dollar limits, copayments, deductibles, or coinsurance provisions that are less favorable to an enrollee than the dollar limits, copayments, deductibles, or coinsurance provisions that apply to coverage for prescription drugs generally under the individual contract or group contract.

(d) This section applies to an individual contract or a group contract issued, delivered, amended, or renewed after December 31, 2015.

As added by P.L.43-2015, SEC.3.
Ind. Code § 27-19-3-1.5 — Indiana Code / Title 27 / Article 19 / Chapter 3 / Section 27-19-3-1.5
Authority of commissioner
Status: in_force

Sec. 1.5. The commissioner shall have the authority to do the following:

(1) Establish any program, promulgate any rule, policy, guideline, or plan, or change any program, rule, policy, or guideline to:

(A) implement;

(B) establish;

(C) create;

(D) administer; or

(E) otherwise operate;

a health benefit exchange.

(2) Apply for, accept, or expend federal money related to the creation, implementation, or operation of a health benefit exchange.

(3) Establish any advisory board or committee that the commissioner deems necessary to provide recommendations on the creation, implementation, or operation of a health benefit exchange.

As added by P.L.86-2026, SEC.29.
Ind. Code § 27-8-27-6 — Indiana Code / Title 27 / Article 8 / Chapter 27 / Section 27-8-27-6
Reimbursement of first steps program for early intervention services payments
Status: in_force

Sec. 6. (a) A health insurance plan that provides coverage for early intervention services shall reimburse the first steps program a monthly fee established by the division of disability, aging, and rehabilitative services. Except when the monthly fee is less than the product determined under IC 12-12.7-2-23(b), the monthly fee shall be provided instead of claims processing of individual claims.

(b) A health insurance plan may not require authorization for services specified in the covered individual's individualized family service plan, if those services are a covered benefit under the plan, once the individualized family service plan is signed by a physician, an advanced practice registered nurse, or a physician assistant.

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

As added by P.L.121-1999, SEC.13. Amended by P.L.229-2011, SEC.254; P.L.111-2020, SEC.13; P.L.133-2020, SEC.19; P.L.143-2022, SEC.75; P.L.122-2026, SEC.112.
Ind. Code § 27-13-36-9 — Indiana Code / Title 27 / Article 13 / Chapter 36 / Section 27-13-36-9
Coverage and reimbursement for expenses for care obtained in an emergency
Status: in_force

Sec. 9. (a) As used in this section, "care obtained in an emergency" means, with respect to an enrollee, covered services that are:

(1) furnished by a provider within the scope of the provider's license and as otherwise authorized under law; and

(2) needed to evaluate or stabilize an individual in an emergency.

(b) As used in this section, "stabilize" means to provide medical treatment to an individual in an emergency as may be necessary to assure, within reasonable medical probability, that material deterioration of the individual's condition is not likely to result from or during any of the following:

(1) The discharge of the individual from an emergency department or other care setting where emergency services are provided to the individual.

(2) The transfer of the individual from an emergency department or other care setting where emergency services are provided to the individual to another health care facility.

(3) The transfer of the individual from a hospital emergency department or other hospital care setting where emergency services are provided to the individual to the hospital's inpatient setting.

(c) As described in subsection (d), each health maintenance organization shall cover and reimburse expenses for care obtained in an emergency by an enrollee without:

(1) prior authorization; or

(2) regard to the contractual relationship between:

(A) the provider who provided health care services to the enrollee in an emergency; and

(B) the health maintenance organization;

in a situation where a prudent lay person could reasonably believe that the enrollee's condition required immediate medical attention. The emergency care obtained by an enrollee under this section includes care for the alleviation of severe pain, which is a symptom of an emergency as provided in IC 27-13-1-11.7.

(d) Each health maintenance organization shall cover and reimburse expenses for emergency services at a rate equal to the lesser of the following:

(1) The usual, customary, and reasonable charge in the health maintenance organization's service area for health care services provided during the emergency.

(2) An amount agreed to between the health maintenance organization and the out of network provider.

A provider that provides emergency services to an enrollee under this section may not charge the enrollee except for an applicable copayment or deductible. Care and treatment provided to an enrollee once the enrollee is stabilized is not care obtained in an emergency.

As added by P.L.69-1998, SEC.14.
Ind. Code § 27-1-50-7 — Indiana Code / Title 27 / Article 1 / Chapter 50 / Section 27-1-50-7
"Rebate"
Status: in_force

Sec. 7. As used in this chapter, "rebate" means:

(1) a discount or other negotiated price concession, including base price concessions (whether described as a rebate or otherwise) and reasonable estimates of price protection rebates, and performance based price concessions, that may accrue directly or indirectly or are anticipated to be passed through to an insurer during the coverage year from a manufacturer, dispensing pharmacy, or other party concerning the dispensing or administration of a prescription drug; and

(2) a reasonable estimate of any negotiated price concession, fee, or other administrative cost that is passed through, or is reasonably anticipated to be passed through, to the insurer and serves to reduce the insurer's liability for a prescription drug.

As added by P.L.166-2023, SEC.3.
Ind. Code § 27-1-3.5-12 — Indiana Code / Title 27 / Article 1 / Chapter 3.5 / Section 27-1-3.5-12
Report of unremediated material weaknesses in internal control over financial reporting
Status: in_force

Sec. 12. (a) A domestic insurer required by this chapter to file an annual audited financial report with the commissioner shall also furnish the commissioner with a written communication describing any unremediated material weaknesses (as defined in the Accounting Practices and Procedures Manual) in the domestic insurer's internal control over financial reporting as of the December 31 immediately preceding the audit (coinciding with the domestic insurer's annual audited financial report), noted during the audit. If no unremediated material weaknesses are noted during the audit, the communication must reflect that fact.

(b) The written communication required under subsection (a) must be prepared not later than sixty (60) days after the filing of the annual audited financial report.

(c) If a description of remedial actions taken or proposed to correct unremediated material weaknesses described under subsection (a) is not provided by the independent auditor, the domestic insurer shall provide a description of the remedial actions.

As added by P.L.244-1989, SEC.2. Amended by P.L.251-1995, SEC.11; P.L.146-2015, SEC.15; P.L.124-2018, SEC.8.
Ind. Code § 27-2-27-6 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-6
"Department"
Status: in_force

Sec. 6. As used in this chapter, "department" means the department of insurance created by IC 27-1-1-1.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-7-1-10 — Indiana Code / Title 27 / Article 7 / Chapter 1 / Section 27-7-1-10
Foreign Lloyds association; documents required; appointment of attorney for service of process
Status: in_force

Sec. 10. A true copy of the articles of association or copartnership agreement, power of attorney, and a copy of each form of policy by it issued, verified by the attorney or attorneys in fact, shall be filed with the insurance commissioner, as well as a copy of the last report filed with the insurance department of its home state, and also a declaration and agreement, duly executed and acknowledged by the attorneys in fact of said Lloyds, appointing the insurance commissioner as a true and lawful attorney for such Lloyds and the underwriters thereof in and for this state, upon whom all legal process in any action or proceedings against said Lloyds or the underwriters thereof may be served, and that any service upon the insurance commissioner shall be equivalent to the personal service within the state of such persons of each and every such underwriter.

Formerly: Acts 1919, c.177, s.10. As amended by P.L.148-2017, SEC.15.
Ind. Code § 27-2-25-1 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-1
"Coverage"
Status: in_force

Sec. 1. As used in this chapter, "coverage" means the right of an individual to receive:

(1) health care services; or

(2) payment or reimbursement for health care services;

from a health carrier.

As added by P.L.93-2020, SEC.13.
Ind. Code § 27-8-15-5 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-5
"Benefit design characteristics"
Status: in_force

Sec. 5. As used in this chapter, "benefit design characteristics" means the following:

(1) Covered services.

(2) Cost sharing.

(3) Utilization management.

(4) Managed care networks.

(5) Any other features differentiating plan or benefit design.

As added by P.L.127-1992, SEC.1.
Ind. Code § 27-8-14.3-7 — Indiana Code / Title 27 / Article 8 / Chapter 14.3 / Section 27-8-14.3-7
"Health plan"
Status: in_force

Sec. 7. (a) As used in this chapter, "health plan" means any of the following:

(1) A policy of accident and sickness insurance.

(2) A contract with a health maintenance organization (as defined in IC 27-13-1-19) that provides coverage for basic health care services (as defined in IC 27-13-1-4).

(3) The Medicaid risk based managed care program operated under IC 12-15.

(4) A state employee health plan.

(b) The term includes a person that administers a health plan.

As added by P.L.37-2024, SEC.2.
Ind. Code § 27-13-2-3 — Indiana Code / Title 27 / Article 13 / Chapter 2 / Section 27-13-2-3
Foreign entities obtaining certificate of authority
Status: in_force

Sec. 3. (a) A foreign corporation, other than a foreign corporation defined under IC 27-1-2-3, may obtain a certificate of authority if the foreign corporation:

(1) is authorized to do business in Indiana under IC 23-0.5-5; and

(2) complies with this article.

(b) A foreign corporation (as defined in IC 27-1-2-3) may obtain a certificate of authority if the foreign corporation complies with this article.

(c) A foreign or alien health maintenance organization granted a certificate of authority under this section has the same but no greater rights and privileges than a domestic health maintenance organization.

As added by P.L.26-1994, SEC.25. Amended by P.L.203-2001, SEC.15; P.L.118-2017, SEC.121.
Ind. Code § 27-1-43-7 — Indiana Code / Title 27 / Article 1 / Chapter 43 / Section 27-1-43-7
Electronic oral communications
Status: in_force

Sec. 7. (a) Except as otherwise provided by law, if an oral communication or a recording of an oral communication from a party can be reliably stored and reproduced by an insurer, the oral communication or recording may qualify as an electronically delivered notice or document under this chapter.

(b) If a provision of this title or other applicable law requires a signature, notice, or document to be notarized, acknowledged, verified, or made under oath, the requirement is satisfied if:

(1) the electronic signature of the person authorized to notarize, acknowledge, verify, or give an oath; and

(2) all other information required to be included by the provision;

are attached to or logically associated with the signature, notice, or document.

As added by P.L.119-2014, SEC.1. Amended by P.L.5-2015, SEC.60.
Ind. Code § 27-1-26-9 — Indiana Code / Title 27 / Article 1 / Chapter 26 / Section 27-1-26-9
Policies with failing scores; issuance for delivery authorized upon certain findings
Status: in_force

Sec. 9. The commissioner may authorize a policy to be issued for delivery in Indiana with a score lower than the score required by section 3 of this chapter if he finds that the lower score:

(1) will provide a more accurate reflection of the readability of a policy form;

(2) is necessary because of the nature of a particular policy form or type or class of policy forms; or

(3) is caused by policy language that is drafted to conform to the requirements of Indiana law, regulation, or agency interpretation.

As added by Acts 1981, P.L.245, SEC.1.
Ind. Code § 27-1-2-2 — Indiana Code / Title 27 / Article 1 / Chapter 2 / Section 27-1-2-2
Application of article
Status: in_force

Sec. 2. This article shall be applicable to all persons, firms, partnerships, corporations, associations, orders, societies, and systems and to associations operating as Lloyds, interinsurers, or individual underwriters authorized as of March 8, 1935, to make insurance under the provisions of any statute enacted prior to March 8, 1935, or organized or incorporated before or after March 8, 1935, under the provisions of any statute of this state, or which are doing or attempting to do, or which are representing that they are doing an insurance business in this state, or which are in process of organization for the purpose of doing or attempting to do such business. All domestic, foreign, and alien companies authorized to do business in this state shall be subject to this article; however, any not-for-profit corporation which pays death benefits to the owner of a valuable registered horse on the death of said horse shall for that purpose not be subject to this article.

Formerly: Acts 1935, c.162, s.2; Acts 1973, P.L.269, SEC.1. As amended by P.L.252-1985, SEC.4; P.L.8-1993, SEC.408.
Ind. Code § 27-1-37.4-5 — Indiana Code / Title 27 / Article 1 / Chapter 37.4 / Section 27-1-37.4-5
Application of chapter
Status: in_force

Sec. 5. Section 4 of this chapter does not apply if a prescribing health care provider or dispensing pharmacist lacks:

(1) broadband Internet access;

(2) an electronic medical record system; or

(3) a sufficient number of covered individuals as patients or customers, as determined by the commissioner, to warrant the financial expense that compliance with section 4 of this chapter would require.

As added by P.L.45-2017, SEC.1.
Ind. Code § 27-11-9-4 — Indiana Code / Title 27 / Article 11 / Chapter 9 / Section 27-11-9-4
Construction of article
Status: in_force

Sec. 4. (a) Nothing contained in this article shall be so construed as to affect or apply to:

(1) grand or subordinate lodges of societies, orders, or associations doing business in Indiana that provide benefits exclusively through local or subordinate lodges;

(2) orders, societies, or associations that admit to membership only persons engaged in one (1) or more crafts or hazardous occupations, in the same or similar lines of business, insuring only their own members and their families, and the ladies' societies or ladies' auxiliaries to these orders, societies, or associations;

(3) domestic societies that limit their membership to employees of a particular city or town, designated firm, business house, or corporation that provide for a death benefit of not more than four hundred dollars ($400) or disability benefits of not more than three hundred fifty dollars ($350) to any person in any one (1) year, or both; or

(4) domestic societies or associations of a purely religious, charitable, or benevolent description that provide for a death benefit of not more than four hundred dollars ($400) or for disability benefits of not more than three hundred fifty dollars ($350) to any one (1) person in any one (1) year, or both.

(b) Any society or association described in subsection (a)(3) or (a)(4) that provides for death or disability benefits for which benefit certificates are issued, and any society or association included in subsection (a)(4) that has more than one thousand (1,000) members, shall not be exempted from this article but shall comply with all requirements of this article.

(c) A society that under this section is exempt from the requirements of this article, except any society described in subsection (a)(2), shall not give or allow or promise to give or allow to any person any compensation for procuring new members.

(d) Every society that provides for benefits in case of death or disability resulting solely from accident and that does not obligate itself to pay natural death or sick benefits shall have all of the privileges and be subject to all the applicable provisions and rules of this article, except that the provisions relating to medical examination, valuations of benefit certificates, and incontestability shall not apply to the society.

(e) The commissioner may require from any society or association, by examination or otherwise, such information as will enable the commissioner to determine whether the society or association is exempt from this article.

(f) Societies exempted under this section shall also be exempt from all other provisions of this title.

As added by P.L.262-1985, SEC.1.
Ind. Code § 27-4-1-10 — Indiana Code / Title 27 / Article 4 / Chapter 1 / Section 27-4-1-10
Application of other laws
Status: in_force

Sec. 10. No order of the commissioner under this chapter or judgment of a court to enforce the same shall in any way relieve or absolve any person affected by such order from any liability under any other statute of this state.

Formerly: Acts 1947, c.112, s.10. As amended by P.L.252-1985, SEC.151.
Ind. Code § 27-8-5-2.7 — Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-2.7
Individual policy of accident and sickness insurance; waiver of coverage
Status: in_force

Sec. 2.7. (a) Notwithstanding section 2.5 of this chapter and any other law, and except as provided in subsection (b), an individual policy of accident and sickness insurance that is issued after June 30, 2005, may contain a waiver of coverage for a specified condition and any complications that arise from the specified condition if:

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

(2) all the following conditions are met:

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

(B) The:

(i) offer of coverage; and

(ii) policy;

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

(C) The:

(i) offer of coverage; and

(ii) policy;

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

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

(E) The insurer agrees to:

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

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

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

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

The insurer shall require an applicant to initial the written notice provided under subdivision (2)(A) and the waiver included in the offer of coverage and in the policy under subdivision (2)(B) to acknowledge acceptance of the waiver of coverage. An offer of coverage under a policy that includes a waiver under this subsection does not preclude eligibility for an Indiana comprehensive health insurance association policy under IC 27-8-10-5.1.

(b) An individual policy of accident and sickness insurance may not include a waiver of coverage for a:

(1) mental health condition; or

(2) developmental disability.

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

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

(2) offer of coverage and policy under subsection (a)(2)(B).

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

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

(1) remove the waiver;

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

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

As added by P.L.211-2005, SEC.1.
Ind. Code § 27-9-3-13 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-13
Listing of assets
Status: in_force

Sec. 13. (a) As soon as practicable after the liquidation order, but not later than one hundred twenty (120) days after that order, the liquidator shall prepare in duplicate a list of the insurer's assets. The list shall be amended or supplemented as the liquidator determines necessary. One (1) copy shall be filed in the office of the clerk of the Marion County circuit court and one (1) copy shall be retained for the liquidator's files. All amendments and supplements shall be similarly filed.

(b) The liquidator shall reduce the assets to a degree of liquidity that is consistent with the effective execution of the liquidation.

(c) A submission to the Marion County circuit court for disbursement of assets in accordance with section 32 of this chapter fulfills the requirements of subsection (a).

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-2-29-5 — Indiana Code / Title 27 / Article 2 / Chapter 29 / Section 27-2-29-5
"Policy of accident and sickness insurance"
Status: in_force

Sec. 5. As used in this chapter, "policy of accident and sickness insurance" means a policy or contract providing one (1) or more of the kinds of insurance described in Class 1(b) or 2(a) of IC 27-1-5-1.

As added by P.L.226-2023, SEC.21.
Ind. Code § 27-1-37.5-1 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-1
Application of chapter
Status: in_force

Sec. 1. (a) This chapter does not apply to a step therapy protocol exception procedure under IC 5-10-8-17, IC 27-8-5-30, or IC 27-13-7-23.

(b) This chapter does not apply to a health plan that is offered by a local unit public employer under a program of group health insurance provided under IC 5-10-8-2.6.

(c) This chapter does not apply to health care services provided under the following state Medicaid waivers:

(1) Pathways for aging.

(2) Health and wellness.

(d) This chapter does not apply to the extent that it is preempted by a federal statute or regulation relating to the Medicaid program under Title XIX of the federal Social Security Act (42 U.S.C. 1396 et seq.).

As added by P.L.77-2018, SEC.2. Amended by P.L.190-2023, SEC.13; P.L.144-2025, SEC.2.
Ind. Code § 27-8-25-4 — Indiana Code / Title 27 / Article 8 / Chapter 25 / Section 27-8-25-4
"Covered individual"
Status: in_force

Sec. 4. As used in this chapter, "covered individual" means an individual entitled to coverage under a policy of accident and sickness insurance.

As added by P.L.109-2009, SEC.3.
Ind. Code § 27-1-15.9-9 — Indiana Code / Title 27 / Article 1 / Chapter 15.9 / Section 27-1-15.9-9
"Vendor"
Status: in_force

Sec. 9. As used in this chapter, "vendor" means a business entity that directly or indirectly engages in portable electronics transactions.

As added by P.L.4-2012, SEC.3.
Ind. Code § 27-13-10-7 — Indiana Code / Title 27 / Article 13 / Chapter 10 / Section 27-13-10-7
Resolution of grievances
Status: in_force

Sec. 7. (a) A health maintenance organization shall establish written policies and procedures for the timely resolution of grievances filed under this chapter. The policies and procedures must include the following:

(1) An acknowledgment of the grievance, orally or in writing, to the enrollee or subscriber within three (3) business days.

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

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

(4) Notification to the enrollee or subscriber of the disposition of the grievance and the right to appeal.

(5) Standards for timeliness in responding to complaints and providing notice to enrollees and subscribers of the disposition of the complaint and the right to appeal that accommodate the clinical urgency of the situation.

(b) The health maintenance organization shall appoint at least one (1) individual to resolve the complaint.

(c) A grievance must be resolved as expeditiously as possible, but not more than twenty (20) business days after the grievance is filed. If a health maintenance organization is unable to make a decision regarding the grievance within the twenty (20) day period due to circumstances beyond the health maintenance organization's control, the health maintenance organization shall:

(1) notify the enrollee or subscriber in writing of the reason for the delay before the twentieth business day; and

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

(d) A health maintenance organization shall notify the enrollee or subscriber in writing of the resolution of the grievance within five (5) business days after completing the investigation. The grievance resolution notice must contain the following:

(1) The decision reached by the health maintenance organization.

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

(3) Notice of the enrollee's or subscriber's right to appeal the decision.

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

As added by P.L.191-1997, SEC.9.
Ind. Code § 27-5.1-1-12 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-12
"Policyholder surplus"
Status: in_force

Sec. 12. "Policyholder surplus" means the accumulated assets of a farm mutual insurance company that exceed the farm mutual insurance company's accrued losses and expenses.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-1-6-6 — Indiana Code / Title 27 / Article 1 / Chapter 6 / Section 27-1-6-6
Articles of incorporation; form; execution
Status: in_force

Sec. 6. The form of the articles of incorporation shall be prescribed and furnished by the department. The articles of incorporation shall be:

(1) prepared and signed in triplicate originals by all of the incorporators, or, in the case of a redomestication under IC 27-1-6.5, by the corporate officers if the original incorporators are no longer available;

(2) acknowledged by at least three (3) of the incorporators or corporate officers before a notary public; and

(3) presented in triplicate originals to the department at the office of the department.

Formerly: Acts 1935, c.162, s.66. As amended by P.L.116-1994, SEC.18.
Ind. Code § 27-6-6-12 — Indiana Code / Title 27 / Article 6 / Chapter 6 / Section 27-6-6-12
Taxation
Status: in_force

Sec. 12. In lieu of all other taxes, licenses or fees, state or local, such attorney shall pay annually, on account of the transaction of such business in this state, the same taxes, licenses and fees as are required to be paid by mutual insurance companies with principal office similarly located and transacting the same kind of business. In the application of the retaliatory law, the taxes and fees exacted by another state from an exchange with principal office in Indiana shall apply.

Formerly: Acts 1919, c.102, s.12.
Ind. Code § 27-2-19-5 — Indiana Code / Title 27 / Article 2 / Chapter 19 / Section 27-2-19-5
"Political subdivision" defined
Status: in_force

Sec. 5. As used in this chapter, "political subdivision" has the meaning set forth in IC 36-1-2-13.

As added by P.L.187-1996, SEC.1.
Ind. Code § 27-1-12.7-8 — Indiana Code / Title 27 / Article 1 / Chapter 12.7 / Section 27-1-12.7-8
Segregated asset accounts
Status: in_force

Sec. 8. An amount paid to a life insurance company and proceeds applied to amounts paid under optional modes of settlement under a funding agreement may be allocated by the insurer to one (1) or more segregated asset accounts in the manner described in Class 1(c) of IC 27-1-5-1.

As added by P.L.178-2003, SEC.18.
Ind. Code § 27-1-28-4 — Indiana Code / Title 27 / Article 1 / Chapter 28 / Section 27-1-28-4
Catastrophe
Status: in_force

Sec. 4. As used in this chapter, "catastrophe" means an event that is the subject of a declaration by the commissioner and that:

(1) results in a large number of deaths or injuries;

(2) causes extensive damage or destruction of facilities used to provide and sustain human needs;

(3) produces an overwhelming demand on state and local response resources and mechanisms;

(4) causes a severe long term effect on general economic activity; or

(5) severely affects state, local, and private sector capabilities to begin and sustain response activities.

As added by P.L.11-2011, SEC.22.
Ind. Code § 27-1-36-26.1 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-26.1
Health insurer's RBC; formula
Status: in_force

Sec. 26.1. A health insurer's RBC must be determined in accordance with the formula set forth in the RBC instructions for a health insurer. The formula must take into account (and may adjust for the covariance between):

(1) affiliation investment risk;

(2) asset risk;

(3) credit risk;

(4) underwriting risk; and

(5) all other business risks and such other relevant risks as are set forth in the RBC instructions;

determined by applying the factors in the manner set forth in the RBC instructions.

As added by P.L.51-2002, SEC.8. Amended by P.L.276-2013, SEC.25.
Ind. Code § 27-8-15-0.1 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-0.1
Application of certain amendments to chapter
Status: in_force

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

(1) The addition of sections 8.5, 10.5, 27, 28, 29, 30, 31, 32, 33, and 34 (before its repeal) of this chapter by P.L.93-1995 applies to all small employer health insurance plans issued or renewed under this chapter, as amended by P.L.93-1995, after December 31, 1995.

(2) The amendments made to sections 9, 14, and 19 of this chapter by P.L.93-1995 apply to all small employer health insurance plans issued or renewed under this chapter, as amended by P.L.93-1995, after December 31, 1995.

(3) Subject to section 31.1(a) of this chapter, as added by P.L.93-1995, section 16 of this chapter, as amended by P.L.93-1995, and section 31.1 of this chapter, as added by P.L.93-1995, apply to all small employer health insurance plans issued or renewed under this chapter, as amended by P.L.93-1995, after December 31, 1997.

(4) The addition of section 34.1 of this chapter by P.L.91-1998 applies to all small employer health insurance plans in force under this chapter on April 1, 1998.

(5) The amendments made to sections 10.5, 14, 19, 27, and 28 of this chapter by P.L.91-1998 apply to all small employer health insurance plans in force under this chapter on April 1, 1998.

As added by P.L.220-2011, SEC.447.
Ind. Code § 27-5.1-4-1 — Indiana Code / Title 27 / Article 5.1 / Chapter 4 / Section 27-5.1-4-1
Extended company requirements
Status: in_force

Sec. 1. An extended company is subject to the requirements of IC 27-5.1-2 and this chapter.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-1-15.6-26 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-26
Limited lines producer
Status: in_force

Sec. 26. A person who performed the functions of a limited lines producer negotiating or soliciting the type of insurance described in IC 27-1-5-1, Class 2(j) before July 1, 1977, is not required to take an examination, but is entitled to have an insurance producer's license issued to the individual, subject to IC 27-1-15.7 and the requirements of this chapter.

As added by P.L.132-2001, SEC.3.
Ind. Code § 27-1-24.2-21 — Indiana Code / Title 27 / Article 1 / Chapter 24.2 / Section 27-1-24.2-21
Conflict with federal law
Status: in_force

Sec. 21. This chapter applies to the extent that it is not in conflict with federal law.

As added by P.L.189-2025, SEC.1.
Ind. Code § 27-8-32.4-2 — Indiana Code / Title 27 / Article 8 / Chapter 32.4 / Section 27-8-32.4-2
Repealed
Status: repealed

As added by P.L.209-2015, SEC.19. Repealed by P.L.149-2016, SEC.78.
Ind. Code § 27-1-15.6-30 — Indiana Code / Title 27 / Article 1 / Chapter 15.6 / Section 27-1-15.6-30
Authority to enforce compliance
Status: in_force

Sec. 30. The commissioner and the director of the department of financial institutions shall consult with each other and assist each other in enforcing compliance with the provisions of IC 28 concerning the sale of life insurance policies and annuity contracts. The commissioner and the director of the department of financial institutions may jointly conduct investigations, prosecute suits, and take other official action that the commissioner and the director consider appropriate under this section if either the commissioner or the director is empowered to take the action. If the director of the department of financial institutions is informed by a financial institution or its affiliate of a violation or suspected violation of any provision of IC 28 concerning the sale of life insurance policies or annuity contracts or of the insurance laws and rules of Indiana, the director of the department of financial institutions shall timely advise the commissioner of the violation. If the commissioner is informed by a financial institution or its affiliate of a violation or suspected violation of any provision of IC 28 concerning the sale of life insurance policies or annuity contracts or of the insurance laws and rules of Indiana, the commissioner shall timely advise the director of the department of financial institutions of the violation.

As added by P.L.132-2001, SEC.3. Amended by P.L.1-2002, SEC.108.
Ind. Code § 27-14.5-4-12 — Indiana Code / Title 27 / Article 14.5 / Chapter 4 / Section 27-14.5-4-12
When plan of reorganization or plan to issue stock is effective
Status: in_force

Sec. 12. (a) A plan of reorganization is effective when:

(1) the commissioner has issued the permit for completion of organization of the mutual insurance holding company; and

(2) the certificate of authority for the reorganized insurer has been:

(A) issued by the commissioner under this chapter; and

(B) recorded in the office of the county recorder of the county in which the principal office of the reorganized insurer is located.

(b) A plan to issue stock is effective on the date on which the stock is issued in compliance with this article.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-6-9-9 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-9
Reinsurer
Status: in_force

Sec. 9. As used in this chapter, "reinsurer" means any person, firm, association, or corporation duly licensed in Indiana pursuant to the applicable provisions of the insurance law as an insurer with the authority to assume reinsurance.

As added by P.L.26-1991, SEC.26.
Ind. Code § 27-8-15-34.1 — Indiana Code / Title 27 / Article 8 / Chapter 15 / Section 27-8-15-34.1
All products required to be offered; all employers required to be accepted
Status: in_force

Sec. 34.1. Except as provided in 29 U.S.C. 1191a and 42 U.S.C. 300gg, a small employer insurer must:

(1) offer to any small employer all products that are approved for sale in the small group market and that the insurer is actively marketing; and

(2) accept any employer that applies for any of those products.

As added by P.L.91-1998, SEC.20.
Ind. Code § 27-1-22-26 — Indiana Code / Title 27 / Article 1 / Chapter 22 / Section 27-1-22-26
Motor vehicle insurance; rating plan establishing higher rates for persons in armed forces; violations
Status: in_force

Sec. 26. (a) As used in this section, "armed forces" means the following:

(1) The United States Army.

(2) The United States Navy.

(3) The United States Air Force.

(4) The United States Marine Corps.

(5) The United States Space Force.

(6) The United States Coast Guard.

(b) This section applies only to an individual:

(1) who is applying for motor vehicle insurance; and

(2) who:

(A) is serving in one (1) of the armed forces; or

(B) has served in one (1) of the armed forces within six (6) months before applying for motor vehicle insurance.

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

(d) As used in this chapter, "rating plan" means the rating schedule or rating plan of an insurer concerning premium rates for motor vehicle insurance that has been filed with the commissioner and is in effect under section 4 of this chapter.

(e) An insurer may not set the premium rate for a policy of motor vehicle insurance for an individual described in subsection (b) at an amount higher than the applicable rate set forth in the rating plan due to the fact that the individual has not been covered by motor vehicle insurance for a period of time.

(f) The violation of this section is an unfair and deceptive act or practice in the business of insurance under IC 27-4-1-4.

As added by P.L.223-1993, SEC.5. Amended by P.L.238-2025, SEC.80.
Ind. Code § 27-6-8-3 — Indiana Code / Title 27 / Article 6 / Chapter 8 / Section 27-6-8-3
Scope
Status: in_force

Sec. 3. This chapter applies to all kinds of direct insurance except:

(1) life, annuity, health, or disability insurance;

(2) mortgage guaranty, financial guaranty, or other forms of insurance offering protection against investment risks;

(3) fidelity or surety bonds, or any other bonding obligations;

(4) credit insurance, vendors' single interest insurance, or collateral protection insurance or similar insurance with the primary purpose of protecting the interests of a creditor arising out of a creditor-debtor transaction;

(5) other than coverages that may be set forth in a cybersecurity insurance policy, warranty or service contract insurance, including insurance that provides:

(A) for the repair, replacement, or service of goods or property;

(B) indemnification for repair, replacement, or service for the operational or structural failure of the goods or property due to a defect in materials, workmanship, or normal wear and tear; or

(C) reimbursement for the liability incurred by the issuer of agreements or service contracts that provide the benefits described in clauses (A) and (B);

(6) title insurance;

(7) ocean marine insurance;

(8) a transaction between a person or an affiliate of a person and an insurer or an affiliate of an insurer that involves the transfer of investment or credit risk without a transfer of insurance risk;

(9) insurance provided by or guaranteed by a government entity; and

(10) insurance written on a retroactive basis to cover known losses for which a claim has already been made and the claim is known to the insurer at the time the insurance is bound.

Formerly: Acts 1971, P.L.390, SEC.1. As amended by P.L.163-1988, SEC.1; P.L.31-1988, SEC.20; P.L.86-2026, SEC.11.
Ind. Code § 27-8-1-9 — Indiana Code / Title 27 / Article 8 / Chapter 1 / Section 27-8-1-9
Repealed
Status: repealed

Formerly: Acts 1883, c.136, s.9. Repealed by Acts 1978, P.L.2, SEC.2728.
Ind. Code § 27-8-19.8-7 — Indiana Code / Title 27 / Article 8 / Chapter 19.8 / Section 27-8-19.8-7
"Person" defined
Status: in_force

Sec. 7. As used in this chapter, "person" means an individual, an association, a corporation, a limited liability corporation, an estate, a partnership, a trust, or any other business or legal entity.

As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.8.
Ind. Code § 27-2-9.1-3 — Indiana Code / Title 27 / Article 2 / Chapter 9.1 / Section 27-2-9.1-3
"Insurer"
Status: in_force

Sec. 3. As used in this chapter, "insurer" means an entity licensed in Indiana to issue a health plan.

As added by P.L.114-2020, SEC.17.
Ind. Code § 27-13-28-1 — Indiana Code / Title 27 / Article 13 / Chapter 28 / Section 27-13-28-1
Augmentation of penalty; damages suffered by enrollees or other members of the public
Status: in_force

Sec. 1. The commissioner may augment a penalty imposed under IC 27-13-24-1(b) by an amount equal to the sum that the commissioner calculates to be the damages suffered by enrollees or other members of the public. The commissioner may direct that any penalty imposed under this section be paid to the enrollees or other members of the public damaged by the health maintenance organization.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-8-24.2-0.1 — Indiana Code / Title 27 / Article 8 / Chapter 24.2 / Section 27-8-24.2-0.1
Application of chapter
Status: in_force

Sec. 0.1. The addition of this chapter by P.L.109-2008 applies to a policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2008.

As added by P.L.220-2011, SEC.450.
Ind. Code § 27-1-1.5-25 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-25
"Own Risk and Solvency Assessment Guidance Manual"; "ORSA Manual"
Status: in_force

Sec. 25. "Own Risk and Solvency Assessment Guidance Manual" or "ORSA Manual" refers to the document entitled "Own Risk and Solvency Assessment Guidance Manual" that is:

(1) adopted by the NAIC; and

(2) in effect on January 1, 2018.

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-7-17.5-1 — Indiana Code / Title 27 / Article 7 / Chapter 17.5 / Section 27-7-17.5-1
"Covered individual"
Status: in_force

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

(1) dental services; or

(2) coverage of dental services.

As added by P.L.42-2022, SEC.1.
Ind. Code § 27-1-6.5-6 — Indiana Code / Title 27 / Article 1 / Chapter 6.5 / Section 27-1-6.5-6
Regulations
Status: in_force

Sec. 6. The commissioner may develop and promulgate regulations, under IC 4-22-2, to carry out the purposes of this chapter.

As added by Acts 1980, P.L.170, SEC.1.
Ind. Code § 27-1-37.5-3 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-3
"CPT code"
Status: in_force

Sec. 3. As used in this chapter, "CPT code" refers to the medical billing code that applies to a specific health care service, as published in the Current Procedural Terminology code set maintained by the American Medical Association.

As added by P.L.77-2018, SEC.2.
Ind. Code § 27-2-27-8 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-8
"Information security program"
Status: in_force

Sec. 8. As used in this chapter, "information security program" means the administrative, technical, and physical safeguards that a licensee uses to access, collect, distribute, process, protect, store, use, transmit, dispose of, or otherwise handle nonpublic information.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-15-16-5 — Indiana Code / Title 27 / Article 15 / Chapter 16 / Section 27-15-16-5
Abandonment of plan of conversion
Status: in_force

Sec. 5. At any time before the effective date of the plan of conversion, the plan may be abandoned under provisions included in the plan of conversion filed under this article.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-17-1-7 — Indiana Code / Title 27 / Article 17 / Chapter 1 / Section 27-17-1-7
"Marketer"
Status: in_force

Sec. 7. "Marketer" means a person that markets, promotes, sells, or distributes a discount medical card program. The term includes a person that markets or distributes a discount medical card program under the person's own name, but does not operate a discount medical card program.

As added by P.L.73-2006, SEC.3.
Ind. Code § 27-1-37.5-3.9 — Indiana Code / Title 27 / Article 1 / Chapter 37.5 / Section 27-1-37.5-3.9
"Health care provider"
Status: in_force

Sec. 3.9. (a) As used in this chapter, except as provided in subsection (b), "health care provider" means an individual who holds a license issued by a board described in IC 25-0.5-11.

(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 veterinarian licensed under IC 25-38.1.

As added by P.L.144-2025, SEC.11.
Ind. Code § 27-1-1.5-35 — Indiana Code / Title 27 / Article 1 / Chapter 1.5 / Section 27-1-1.5-35
"Valuation Manual"
Status: in_force

Sec. 35. "Valuation Manual" refers to the Valuation Manual that:

(1) was initially adopted by the NAIC on December 12, 2012; and

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

As added by P.L.124-2018, SEC.1.
Ind. Code § 27-2-25-16 — Indiana Code / Title 27 / Article 2 / Chapter 25 / Section 27-2-25-16
Health carrier satisfaction of good faith estimate and web site notice requirements through compliance with federal law; civil penalty for noncompliance; civil penalty deposited in fund
Status: in_force

Sec. 16. (a) If a health carrier fails or refuses:

(1) to provide a good faith estimate as required by this chapter; or

(2) to provide notice on the health carrier's Internet web site as required by section 15 of this chapter;

the insurance commissioner may, after notice and hearing under IC 4-21.5, impose on the health carrier a civil penalty of not more than one thousand dollars ($1,000) for each day of noncompliance.

(b) A health carrier may satisfy the requirements of this chapter described in subsection (a)(1) and (a)(2) by complying with the requirements set forth in Section 2799A–1 of the federal Public Health Service Act, as added by Public Law 116-260.

(c) A civil penalty collected under subsection (a) shall be deposited in the department of insurance fund established by IC 27-1-3-28.

As added by P.L.93-2020, SEC.13. Amended by P.L.202-2021, SEC.18.
Ind. Code § 27-9-3-31 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-31
Liability for payment of premiums by insured and person other than insured; penalties
Status: in_force

Sec. 31. (a) An insurance producer, a broker, an agency, a premium finance company, an insured, or any other person responsible for the payment of a premium shall be obligated to pay any earned but unpaid premium for any policy that is due the insurer for coverage provided before the declaration of insolvency. However, an insurance producer, a broker, an agency, a premium finance company, an insured, or any other person responsible for the payment of a premium shall not be responsible for any unpaid premium unearned as of the time of the declaration of insolvency.

(b) In addition to the obligation owed under subsection (a), an insurance producer, broker, agency, premium finance company, or any other person, other than the insured, responsible for the payment of a premium to the insurance company or any holding company shall pay any unearned premium collected from the insured before the declaration of insolvency. The commissioner may also recover from that person any part of an unearned premium that represents a commission of that person.

(c) Credits or setoffs or both may not be allowed to an insurance producer, broker, or premium finance company for any amounts advanced to the insurer by the insurance producer, broker, or premium finance company on behalf of, but in the absence of a payment by, the insured.

(d) Upon satisfactory evidence of a violation of this section, the commissioner may pursue the following courses of action against those parties licensed by the department of insurance:

(1) Suspend, revoke, or refuse to renew the licenses of the offending party.

(2) Impose a penalty of not more than one thousand dollars ($1,000) for each and every act in violation of this article by the party.

These penalties are in addition to and not in lieu of the obligations owed under subsections (a) and (b).

(e) Before the commissioner may take any action as provided in subsection (d), the commissioner shall give written notice to the person accused of violating the law, stating specifically the nature of the alleged violation, and fixing a time (at least ten (10) days after the notice is sent) and place when a hearing on the matter is to be held. After the hearing, if the commissioner finds a violation, or upon failure of the accused to appear at the hearing, the commissioner shall impose whatever penalties allowed under subsection (d) as the commissioner considers advisable.

(f) Subsection (a) does not relieve an insured of any obligation that may exist to reimburse any agency, insurance producer, broker, premium finance company, or other person for amounts advanced to the insurer on behalf of the insured.

As added by Acts 1979, P.L.255, SEC.1. Amended by P.L.29-1987, SEC.4; P.L.255-1995, SEC.11; P.L.178-2003, SEC.78.
Ind. Code § 27-16-2-12 — Indiana Code / Title 27 / Article 16 / Chapter 2 / Section 27-16-2-12
"Professional employer agreement"
Status: in_force

Sec. 12. "Professional employer agreement" means a written contract between a person and a professional employer organization:

(1) under which all or a majority of the person's employees become covered employees;

(2) that provides for the allocation of employer rights and obligations between the person and the professional employer organization with respect to the covered employees; and

(3) that specifies the professional employer services that will be provided.

As added by P.L.245-2005, SEC.7.
Ind. Code § 27-6-9-10 — Indiana Code / Title 27 / Article 6 / Chapter 9 / Section 27-6-9-10
To be in violation
Status: in_force

Sec. 10. As used in this chapter, "to be in violation" means that the reinsurance intermediary, insurer, or reinsurer for whom the reinsurance intermediary was acting failed to substantially comply with the provisions of this chapter.

As added by P.L.26-1991, SEC.26.
Ind. Code § 27-1-12-10.1 — Indiana Code / Title 27 / Article 1 / Chapter 12 / Section 27-1-12-10.1
Repealed
Status: repealed

As added by P.L.130-1994, SEC.18 and P.L.116-1994, SEC.23. Repealed by P.L.276-2013, SEC.6.
Ind. Code § 27-2-16-2 — Indiana Code / Title 27 / Article 2 / Chapter 16 / Section 27-2-16-2
"Insurer" defined
Status: in_force

Sec. 2. As used in this chapter, "insurer" has the meaning set forth in IC 27-1-2-3(x).

As added by P.L.193-1991, SEC.1.
Ind. Code § 27-2-18-11 — Indiana Code / Title 27 / Article 2 / Chapter 18 / Section 27-2-18-11
Contents of reports of material acquisitions and dispositions
Status: in_force

Sec. 11. The following information must be disclosed in any report of a material asset acquisition or asset disposition:

(1) The date of the transaction.

(2) The manner of the asset acquisition or asset disposition.

(3) A description of the assets involved.

(4) The nature and amount of the consideration given or received in connection with the asset acquisition or the asset disposition.

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

(6) The manner by which the amount of consideration was determined.

(7) The gain or loss recognized or realized as a result of the transaction.

(8) The name of each person from whom the assets were acquired or to whom the assets were disposed.

As added by P.L.251-1995, SEC.17.
Ind. Code § 27-1-10-8 — Indiana Code / Title 27 / Article 1 / Chapter 10 / Section 27-1-10-8
Final dissolution; pending liabilities
Status: in_force

Sec. 8. (a) Upon the issuance of the certificate of dissolution and the recording of the articles of dissolution, as provided in section 7 of this chapter, the corporation shall be dissolved and its existence shall cease.

(b) The dissolution of any corporation in accordance with the provisions of this article shall not take away or impair any remedy against such corporation, its directors, officers, or shareholders, for any liability incurred by the corporation previous to its dissolution if suit is brought and service of process is had, as provided by the laws of this state, within two (2) years after the date of such dissolution.

Formerly: Acts 1935, c.162, s.138. As amended by P.L.252-1985, SEC.52.
Ind. Code § 27-10-3-7 — Indiana Code / Title 27 / Article 10 / Chapter 3 / Section 27-10-3-7
Renewal; fees; continuing education
Status: in_force

Sec. 7. (a) A renewal license shall be issued by the commissioner to a licensee who:

(1) has continuously maintained a license in effect;

(2) pays a renewal fee of:

(A) three hundred dollars ($300) for bail agents; and

(B) three hundred dollars ($300) for recovery agents;

(3) has fulfilled the continuing education requirement as required under subsection (b);

(4) satisfactorily completes a renewal examination if required by the commissioner; and

(5) has in all other respects complied with and been subject to this article.

(b) A licensee shall complete at least six (6) hours of continuing education courses that:

(1) are approved under section 7.1 of this chapter; and

(2) apply to the licensee's particular license, including instruction in the laws that relate to the conduct of a bail agent or recovery agent;

during each license period. A continuing education course that is used to fulfill the continuing education requirements for an insurance producer license under IC 27-1-15.7 may not be used to satisfy the continuing education requirement set forth in this section.

(c) After the receipt of the licensee's application for renewal, the current license continues in effect until the renewal license is issued, suspended, or denied for cause.

As added by P.L.261-1985, SEC.1. Amended by P.L.224-1993, SEC.18; P.L.102-2005, SEC.4; P.L.81-2012, SEC.39; P.L.187-2017, SEC.1.
Ind. Code § 27-8-8-1.5 — Indiana Code / Title 27 / Article 8 / Chapter 8 / Section 27-8-8-1.5
Repealed
Status: repealed

As added by P.L.251-1995, SEC.19. Repealed by P.L.193-2006, SEC.32.
Ind. Code § 27-1-17-2 — Indiana Code / Title 27 / Article 1 / Chapter 17 / Section 27-1-17-2
Equality of treatment between domestic companies and foreign or alien companies; exception
Status: in_force

Sec. 2. No foreign or alien company shall be admitted for the purpose of transacting any kind or kinds of insurance business in this state, the transaction of which by a domestic company is not permitted by the laws of this state; provided, however, that where a foreign or alien company whose charter provides for the transaction of the kind or kinds of insurance described in more than one (1) class of IC 27-1-5-1 has been transacting business in this state under a certificate of authority issued by the insurance department or insurance commissioner prior to March 8, 1935, such company may be issued a certificate of authority under the provisions of this article to make the kind or kinds of insurance provided by its charter. A foreign or alien insurance company admitted to do an insurance business in this state shall have the same but no greater rights and privileges than a domestic company.

Formerly: Acts 1935, c.162, s.227. As amended by P.L.252-1985, SEC.72.
Ind. Code § 27-1-12.7-4 — Indiana Code / Title 27 / Article 1 / Chapter 12.7 / Section 27-1-12.7-4
"Optional modes of settlement"
Status: in_force

Sec. 4. As used in this chapter, "optional modes of settlement" means the manner in which the funding agreement is structured to repay interest and principal to the holder.

As added by P.L.178-2003, SEC.18.
Ind. Code § 27-9-4-5 — Indiana Code / Title 27 / Article 9 / Chapter 4 / Section 27-9-4-5
Summary proceedings at request of officials of domiciliary states
Status: in_force

Sec. 5. The commissioner in his sole discretion may institute proceedings under IC 27-9-2 at the request of the commissioner or other appropriate insurance official of the domiciliary state of any foreign or alien insurer having property located in Indiana.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-8-16-8 — Indiana Code / Title 27 / Article 8 / Chapter 16 / Section 27-8-16-8
Appeals procedure; written description; minimum standards; notice of appeal procedure on limitation or reduction of benefits
Status: in_force

Sec. 8. (a) An insurance company, a health maintenance organization, or another benefit program providing payment, reimbursement, or indemnification for health care costs that contracts with a claim review agent for medical claims review services shall maintain and make available upon request a written description of the appeals procedure by which an enrollee may seek a review of a determination by the claim review agent.

(b) The appeals procedure referred to in subsection (a) must meet the following requirements:

(1) On appeal, the determination must be made by a provider who holds a license in the same discipline as the provider who rendered the service.

(2) The adjudication of an appeal of a determination must be completed within thirty (30) days after:

(A) the appeal is filed; and

(B) all information necessary to complete the appeal is received.

(c) If a medical review determination results in a limitation or reduction of benefits, a notice of the appeals procedure shall be provided by the claim review agent to the provider who rendered the health care services.

As added by P.L.128-1992, SEC.2.
Ind. Code § 27-15-13-4 — Indiana Code / Title 27 / Article 15 / Chapter 13 / Section 27-15-13-4
Supplemental nature of provisions
Status: in_force

Sec. 4. The requirements of this chapter are in addition to any other filings or approvals required by IC 27-1-23 or otherwise by law.

As added by P.L.94-1999, SEC.3.
Ind. Code § 27-2-27-26 — Indiana Code / Title 27 / Article 2 / Chapter 27 / Section 27-2-27-26
Exemptions from chapter
Status: in_force

Sec. 26. (a) A licensee is exempt from sections 16 through 20 of this chapter if the licensee has:

(1) fewer than fifty (50) employees;

(2) less than five million dollars ($5,000,000) in gross annual revenue; or

(3) less than ten million dollars ($10,000,000) in year-end total assets.

(b) A licensee that:

(1) is subject to the federal Health Insurance Portability and Accountability Act (Pub.L. 104–191, 110 Stat. 1936, enacted August 21, 1996); and

(2) has established and maintains an information security program pursuant to that federal act and the regulations, procedures, or guidelines established under that act;

will be considered as meeting the requirements of this chapter, except for the notice requirements described in section 21 of this chapter.

(c) An individual who:

(1) is an employee, agent, representative, or designee of a licensee; and

(2) is also a licensee;

is exempt from sections 16 through 20 of this chapter and need not develop the individual's own information security program to the extent that the individual is covered by the information security program of the licensee of which the individual is an employee, agent, representative, or designee.

(d) A licensee shall be considered to have complied with sections 16 through 20 of this chapter if the licensee is affiliated with a financial institution (as defined in 15 U.S.C. 6809) that maintains an information security program in compliance with the Interagency Guidelines Establishing Standards for Safeguarding Consumer Information adopted under Sections 501 and 505(b) of the Gramm-Leach-Bliley Act (15 U.S.C. 6801 and 6805(b)).

(e) If a licensee ceases to qualify for an exception under subsection (a), (b), (c), or (d), the licensee must comply with sections 16 through 20 of this chapter not more than one hundred eighty (180) days after the licensee ceases to qualify for the exception.

As added by P.L.130-2020, SEC.10.
Ind. Code § 27-9-3-44 — Indiana Code / Title 27 / Article 9 / Chapter 3 / Section 27-9-3-44
Discharge of liquidator
Status: in_force

Sec. 44. (a) When all assets justifying the expense of collection and distribution have been collected and distributed under IC 27-9, the liquidator shall apply to the Marion County circuit court for discharge. The court may grant the discharge and make any other orders, including an order to transfer any remaining funds that are uneconomic to distribute, as may be considered appropriate.

(b) Any other person may apply to the Marion County circuit court at any time for an order under subsection (a). If the application is denied, the applicant shall pay the costs and expenses of the liquidator in resisting the application, including a reasonable attorney's fee.

As added by Acts 1979, P.L.255, SEC.1.
Ind. Code § 27-14.5-2-13 — Indiana Code / Title 27 / Article 14.5 / Chapter 2 / Section 27-14.5-2-13
Filing minutes of meeting at which plan of reorganization is approved
Status: in_force

Sec. 13. Not later than thirty (30) days after the members have approved a plan of reorganization under this chapter, the applicant must file with the commissioner the minutes of the meeting at which the plan of reorganization was approved.

As added by P.L.226-2023, SEC.30.
Ind. Code § 27-13-13-4 — Indiana Code / Title 27 / Article 13 / Chapter 13 / Section 27-13-13-4
Income from deposits; replacing deposits
Status: in_force

Sec. 4. (a) All income from deposits made under this chapter is an asset of the organization that made the deposits.

(b) A health maintenance organization that has made a deposit under this chapter may replace the deposit or any part of the deposit with an equal amount and value of:

(1) cash;

(2) certificates of deposit;

(3) United States government obligations acceptable to the commissioner;

(4) any other securities acceptable to the commissioner; or

(5) any combination of subdivisions (1) through (4).

(c) Any obligations of the United States government must be approved by the commissioner before being deposited or substituted under this chapter.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-2.2-10 — Indiana Code / Title 27 / Article 1 / Chapter 2.2 / Section 27-1-2.2-10
Coverage requirements
Status: in_force

Sec. 10. Health coverage provided to an individual under this chapter:

(1) must include coverage for:

(A) ambulatory patient services;

(B) hospitalization;

(C) emergency services; and

(D) laboratory services; and

(2) may not be subject to an annual limit of less than two million dollars ($2,000,000) per year.

As added by P.L.136-2020, SEC.1.
Ind. Code § 27-1-48.5-3 — Indiana Code / Title 27 / Article 1 / Chapter 48.5 / Section 27-1-48.5-3
"Health care provider"
Status: in_force

Sec. 3. As used in this chapter, "health care provider" means an individual or entity that is licensed, certified, registered, or regulated by an entity described in IC 25-0.5-11.

As added by P.L.237-2025, SEC.9.
Ind. Code § 27-9-1-5 — Indiana Code / Title 27 / Article 9 / Chapter 1 / Section 27-9-1-5
Cooperation of insurer with commissioner
Status: in_force

Sec. 5. (a) An officer, manager, director, trustee, owner, employee, or insurance producer of any insurer, or any other persons with authority over or in charge of any segment of the insurer's affairs, shall cooperate with the commissioner in any proceeding under IC 27-9 or any investigation preliminary to the proceeding. The term "person", as used in this section, includes any person who exercises control, directly or indirectly, over activities of an insurer through any holding company or other affiliate of the insurer. "To cooperate" includes:

(1) replying promptly in writing to any inquiry from the commissioner requesting such a reply; and

(2) making available to the commissioner all books, accounts, documents, or other records, information, or property of or pertaining to the insurer and in the insurer's possession, custody, or control.

(b) A person may not obstruct or interfere with the commissioner in the conduct of any delinquency proceeding or any investigation preliminary to or incidental to an investigation.

(c) This section does not abridge existing legal rights, including the right to resist a petition for liquidation, other delinquency proceedings, or other orders.

(d) A person who:

(1) is included within subsection (a) and who fails to cooperate with the commissioner;

(2) obstructs or interferes with the commissioner in the conduct of any delinquency proceeding or any investigation preliminary or incidental to a delinquency proceeding; or

(3) violates any order of the commissioner under IC 27-9;

commits a Class A infraction.

As added by Acts 1979, P.L.255, SEC.1. Amended by P.L.178-2003, SEC.74.
Ind. Code § 27-13-1-30 — Indiana Code / Title 27 / Article 13 / Chapter 1 / Section 27-13-1-30
"Replacement coverage"
Status: in_force

Sec. 30. "Replacement coverage" means the coverage provided to a person whose last preceding carrier has ceased providing coverage to that person.

As added by P.L.26-1994, SEC.25.
Ind. Code § 27-1-49-3 — Indiana Code / Title 27 / Article 1 / Chapter 49 / Section 27-1-49-3
"Health insurance coverage"
Status: in_force

Sec. 3. (a) As used in this chapter, "health insurance coverage" includes:

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

(2) an individual contract (as defined in IC 27-13-1-21) that provides coverage for basic health care services (as defined in IC 27-13-1-4); and

(3) any other health plan that is issued on an individual basis;

that is subject to state law regulating insurance and offers health insurance coverage (as defined in 42 U.S.C. 300gg-91). The term includes coverage of a dependent of the covered individual under an individual policy or contract described in subdivisions (1) through (3).

(b) The term does not include a self-funded health benefit plan that complies with the federal Employee Retirement Income Security Act (ERISA) of 1974 (29 U.S.C. 1001 et seq.).

As added by P.L.166-2023, SEC.2. Amended by P.L.9-2024, SEC.481.
Ind. Code § 27-1-36-54 — Indiana Code / Title 27 / Article 1 / Chapter 36 / Section 27-1-36-54
Severability of chapter provisions
Status: in_force

Sec. 54. The provisions of this chapter are severable in the manner provided in IC 1-1-1-8. If:

(1) any provision of this chapter; or

(2) the application of this chapter to any person or circumstance;

is held invalid, that determination shall not affect the provisions or applications of this chapter that can be given effect without the invalid provision or application.

As added by P.L.186-1996, SEC.1.
Ind. Code § 27-1-48-8 — Indiana Code / Title 27 / Article 1 / Chapter 48 / Section 27-1-48-8
Information required to be posted on health plan's website
Status: in_force

Sec. 8. (a) Not later than February 1 of each calendar year, a health plan must post on the health plan's website:

(1) the thirty (30) most frequently submitted CPT codes that were submitted by participating providers for prior authorization during the previous calendar year; and

(2) the percentage of the thirty (30) most frequently submitted CPT codes that were approved in the previous calendar year, disaggregated by CPT code.

(b) A health plan must maintain the information required under subsection (a) on the health plan's website, organized by year and on a single and easily accessible web page.

As added by P.L.190-2023, SEC.24.
Ind. Code § 27-2-15-9 — Indiana Code / Title 27 / Article 2 / Chapter 15 / Section 27-2-15-9
Immunity
Status: in_force

Sec. 9. The department, the commissioner and employees of the department, the state fire marshal, a deputy fire marshal, an enforcement authority, or an officer of a municipality complying with this chapter or attempting in good faith to comply with this chapter is immune from civil and criminal liability in connection with actions taken under this chapter.

As added by P.L.247-1989, SEC.2. Amended by P.L.238-2013, SEC.10.
Ind. Code § 27-5.1-1-5 — Indiana Code / Title 27 / Article 5.1 / Chapter 1 / Section 27-5.1-1-5
"Department"
Status: in_force

Sec. 5. "Department" means the department of insurance created by IC 27-1-1-1.

As added by P.L.129-2003, SEC.8.
Ind. Code § 27-8-12-13 — Indiana Code / Title 27 / Article 8 / Chapter 12 / Section 27-8-12-13
Direct response solicitation issued policies; no obligation return period; notice
Status: in_force

Sec. 13. (a) A person insured under a long term care insurance policy or certificate issued under a direct response solicitation may return the policy or certificate within thirty (30) days of its delivery and have the premium refunded if the insured person is not satisfied for any reason.

(b) Each long term care insurance policy or certificate issued under a direct response solicitation must have printed on, or attached to, its first page a notice setting forth in substance the provisions of subsection (a).

As added by P.L.275-1987, SEC.1.
Ind. Code § 27-7-9-15 — Indiana Code / Title 27 / Article 7 / Chapter 9 / Section 27-7-9-15
Recourse against insurer or policyholder; fraud or policy violations
Status: in_force

Sec. 15. (a) Except in case of fraud by an insurer, the commissioner has no right of recourse against an insurer. An insurer may settle losses under this chapter in the customary manner.

(b) The commissioner may require an insurer to attempt to recover from a policyholder for amounts paid to the policyholder if, in the judgment of the commissioner, the policyholder was not entitled to the amounts paid because of fraud or violation of the policy conditions. The cost of a recovery attempt under this subsection shall be borne equally by the insurer and the commissioner.

As added by P.L.164-1986, SEC.1.
Ind. Code § 27-1-24.5-6 — Indiana Code / Title 27 / Article 1 / Chapter 24.5 / Section 27-1-24.5-6
"Independent pharmacies"
Status: in_force

Sec. 6. As used in this chapter, "independent pharmacies" means pharmacies that are not a pharmacy benefit manager affiliate.

As added by P.L.68-2020, SEC.1.
Ind. Code § 27-1-15.7-2.2 — Indiana Code / Title 27 / Article 1 / Chapter 15.7 / Section 27-1-15.7-2.2
Continuing education requirement credit applied toward next license renewal
Status: in_force

Sec. 2.2. (a) This section applies to the renewal of a license under this chapter after December 31, 2021.

(b) If a resident insurance producer completed more than twenty-four (24) hours of credit in continuing education courses before the effective date of the producer's last renewal under this chapter of a license issued under IC 27-1-15.6, the producer, instead of completing twenty-four (24) hours of credit in continuing education courses after the effective date of the producer's last license renewal as otherwise required under section 2(d) of this chapter, may satisfy the continuing education requirement of section 2 of this chapter for the producer's next license renewal through a combination of:

(1) credit for continuing education courses completed by the producer before the effective date of the producer's last license renewal; and

(2) credit for continuing education courses completed by the producer after the effective date of the producer's last license renewal.

(c) To apply toward satisfaction of the continuing education requirement for a producer's next license renewal under subsection (b)(1), credit for a continuing education course completed by the producer before the effective date of the producer's last license renewal must not have applied toward satisfaction of the continuing education requirement for the producer's last license renewal.

(d) A producer satisfies the continuing education requirement of section 2 of this chapter under subsection (b) for the producer's next license renewal if the sum of:

(1) the credit hours applied toward the requirement under subsection (b)(1); plus

(2) the credit hours applied toward the requirement under subsection (b)(2);

is twenty-four (24).

(e) Not more than twelve (12) hours of credit in continuing education courses completed by a producer before the effective date of the producer's last license renewal may be applied toward satisfying the continuing education requirement of section 2 of this chapter for the producer's next license renewal under subsection (b)(1).

(f) The credit for a producer's completion of a continuing education course may not be applied toward satisfying the continuing education requirement of section 2 of this chapter under subsection (b)(1) unless the producer completed the continuing education course not more than one hundred twenty (120) days before the effective date of the producer's last license renewal.

(g) Credit for a producer's completion of a continuing education course on the subject of:

(1) ethics; or

(2) long term care insurance;

before the effective date of the producer's last license renewal may not be applied toward satisfying the continuing education requirement of section 2 of this chapter for the producer's next license renewal under subsection (b)(1).

(h) The credit for a producer's completion of a continuing education course, whether applied toward the continuing education requirement of section 2 of this chapter under subsection (b)(1), subsection (b)(2), or section 2(d) of this chapter, may be applied toward the requirement only once.

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

As added by P.L.196-2021, SEC.19.
Ind. Code § 27-7-9-9.5 — Indiana Code / Title 27 / Article 7 / Chapter 9 / Section 27-7-9-9.5
Assistance with adjusting of claims; responsibility of insurer; costs paid from fund
Status: in_force

Sec. 9.5. (a) The commissioner shall provide insurers with assistance from one (1) or more individuals with technical expertise in mine subsidence for the purpose of assisting with the adjusting of claims under coverage issued under this chapter. If the commissioner considers it necessary in order to comply with this section, the commissioner may:

(1) expand the staff of the department of insurance; or

(2) enter into contracts providing for the services of persons with the necessary technical expertise to provide assistance to insurers in the determination of subsidence events.

(b) The adjustment of a claim against a policy that includes mine subsidence coverage under this chapter is the sole responsibility of the insurer until the insurer makes a preliminary determination that the loss may involve mine subsidence. Upon such a determination, those persons retained by the commissioner as set out in subsection (a) shall assist the commissioner and insurer in determining the existence of a mine subsidence event and the costs of the event shall be paid from the fund established by section 7 of this chapter.

As added by P.L.124-1992, SEC.8. Amended by P.L.101-2016, SEC.5; P.L.136-2018, SEC.186.
Ind. Code § 27-8-26-6 — Indiana Code / Title 27 / Article 8 / Chapter 26 / Section 27-8-26-6
Questions by insurer regarding genetic screening or testing results prohibited
Status: in_force

Sec. 6. In developing and asking questions regarding the medical history of an applicant for health care services coverage, an insurer may not ask:

(1) for the results of; or

(2) questions designed to ascertain the results of;

genetic screening or testing.

As added by P.L.150-1997, SEC.4.
Ind. Code § 27-11-3-4 — Indiana Code / Title 27 / Article 11 / Chapter 3 / Section 27-11-3-4
Waiver of provisions of laws of the society
Status: in_force

Sec. 4. The laws of the society may provide that no subordinate body nor any of its subordinate officers or members shall have the power or authority to waive any of the provisions of the laws of the society. The provision shall be binding on the society and every member and beneficiary of a member.

As added by P.L.262-1985, SEC.1.