reglab/statecodes huggingface dataset:
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-4.3. "Viatical Settlement Agent" Defined

Sec. 4.3. As used in this chapter, "viatical settlement agent" means a person that solicits, offers, or attempts to negotiate a viatical settlement contract with a viator.
As added by P.L.32-1998, SEC.3.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-4.5. "Viatical Settlement Broker" Defined

Sec. 4.5. As used in this chapter, "viatical settlement broker" means a person that represents a viator and for a fee, commission, or other valuable consideration, solicits, offers, or attempts to negotiate viatical settlements between a viator and one (1) or more viatical settlement providers.
As added by P.L.32-1998, SEC.4.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-5. "Viatical Settlement Provider" Defined

Sec. 5. (a) As used in this chapter, "viatical settlement provider" means a person, other than a viator, that:
(1) enters into a viatical settlement contract with a viator; or
(2) obtains financing for the purchase, acquisition, transfer, or other assignment of one (1) or more viatical settlement contracts, viaticated policies, or interests in such a contract or policy, or otherwise sells, assigns, transfers, pledges, hypothecates, or disposes of one (1) or more viatical settlement contracts, viaticated policies, or interests in such a contract or policy.
(b) The term does not include any of the following:
(1) A bank, savings bank, savings association, credit union, or other licensed lending institution that takes an assignment of a life insurance policy as collateral for a loan.
(2) The issuer of a life insurance policy that makes a policy loan, permits surrender of the policy, or pays other policy benefits, including accelerated benefits, in accordance with the terms of the policy.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.5; P.L.79-1998, SEC.32; P.L.136-2018, SEC.199.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-6. "Viatical Settlement Contract" Defined

Sec. 6. As used in this chapter, "viatical settlement contract" means an agreement for the purchase, sale, assignment, transfer, devise, or bequest of a portion of the death benefit or ownership of a life insurance policy or contract for consideration that is less than the expected death benefit of the life insurance policy or contract. The term does not include the following:
(1) A loan by an insurer under the terms of a life insurance policy, including a loan secured by the cash value of a policy.
(2) An agreement with a bank, savings bank, savings and loan association, credit union, or other licensed lending institution that takes an assignment of a life insurance policy as collateral for a loan.
(3) The provision of accelerated death benefits by an insurer to an insured under the provisions of a life insurance contract.
(4) Agreements between an insurer and a reinsurer.
(5) An agreement by a person who enters into not more than one (1) such agreement in any five (5) year period to purchase a life insurance policy or contract for the transfer of a life insurance policy for a value that is less than the expected death benefit.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.6; P.L.128-2000, SEC.2.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-6.5. "Viaticated Policy" Defined

Sec. 6.5. As used in this chapter, "viaticated policy" means a life insurance policy or certificate that has been acquired by a viatical settlement provider under a viatical settlement contract.
As added by P.L.32-1998, SEC.7.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-7. "Person" Defined

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.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-7.8. "Stranger Originated Life Insurance" Defined

Sec. 7.8. (a) As used in this chapter, "stranger originated life insurance" means a practice or plan to initiate a life insurance policy for the benefit of a third party investor who, at the time the life insurance policy is originated, has no insurable interest in the insured.
(b) The term includes the following:
(1) An arrangement under which, at the time of life insurance policy inception:
(A) a life insurance policy is purchased with resources or guarantees from or through a person that is not legally permitted to initiate the life insurance policy; and
(B) a written or verbal arrangement or agreement is made to transfer the ownership of the life insurance policy or policy benefits to a third party.
(2) A trust that is:
(A) created to give an appearance of the existence of an insurable interest; and
(B) used to initiate a life insurance policy for an investor.
As added by P.L.112-2008, SEC.3.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-8. "Viator" Defined

Sec. 8. As used in this chapter, "viator" refers to the owner of a life insurance policy or a certificate holder under a group policy that insures the life of an insured who enters or seeks to enter into a viatical settlement contract.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.9.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-8.5. Persons Required to Be Licensed as Insurance Producer With Life Qualification

Sec. 8.5. The following must be licensed as an insurance producer with a life qualification under IC 27-1-15.6-7:
(1) A viatical settlement broker.
(2) A person who solicits, offers, or attempts to negotiate a viatical settlement contract with a viator.
As added by P.L.32-1998, SEC.10. Amended by P.L.132-2001, SEC.14; P.L.178-2003, SEC.71.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-8.6. Exemptions From Licensing Requirement

Sec. 8.6. The following are exempt from the licensing requirement under IC 27-8-19.8-8.5:
(1) An accountant, an attorney, or a financial planner retained to represent the viator, and whose compensation is paid directly by or at the direction of the viator.
(2) A regularly salaried officer or employee of a viatical settlement broker or viatical settlement provider, if the officer or employee's duties and responsibilities do not include the solicitation or negotiation of viatical settlement contracts.
(3) The following persons, to the extent that the person is engaged in the administration or operation of a program of employee benefits for the person's employees or the employees of the person's subsidiaries or affiliates involving the use of viatical settlement contracts issued by a licensed viatical settlement provider, if the person is not in any manner directly or indirectly compensated by the viatical settlement provider:
(A) An employer.
(B) An officer or employee of an employer.
(C) A trustee of an employee trust plan.
As added by P.L.32-1998, SEC.11.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-8.7. Fiduciary Duties of Viatical Settlement Brokers

Sec. 8.7. A viatical settlement broker:
(1) represents only the viator; and
(2) owes a fiduciary duty to the viator to act according to the viator's instructions and in the best interest of the viator;
regardless of the manner in which the viatical settlement broker is compensated.
As added by P.L.32-1998, SEC.12.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-9. License Required for Viatical Settlement Providers

Sec. 9. After December 31, 1998, a person may not act as a viatical settlement provider unless the person holds an unexpired license issued under this chapter.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.13.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-9.2. Insurance Producer Remuneration

Sec. 9.2. An insurance producer that:
(1) is licensed under IC 27-1-15.6; and
(2) sells a life insurance policy or contract that, less than two (2) years after the insurance producer sells the policy or contract, is the subject of a viatical settlement contract;
shall not accept a commission or other remuneration in connection with the viatical settlement contract.
As added by P.L.223-2005, SEC.5.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-10. Application and Fee for License

Sec. 10. (a) An applicant must do the following to obtain a license as a viatical settlement provider:
(1) Apply for the license on forms prescribed by the department.
(2) Provide information required by the department.
(3) Pay the license fee.
(b) The application must include the name of each officer, member, or employee of the applicant who will be authorized by the applicant to act as a viatical settlement provider under the license if issued to the applicant.
(c) The department shall adopt rules under IC 4-22-2 to set the licensing fee required by this section.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.14.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-11. Investigation of Applicant; Issuance of License

Sec. 11. The department shall investigate an applicant and issue a license to the applicant if the department finds all of the following:
(1) The applicant is competent and trustworthy and intends to act in good faith as a viatical settlement provider.
(2) The applicant has a good business reputation.
(3) The applicant has had the experience, training, or education to qualify the applicant as a viatical settlement provider.
(4) If the applicant is a corporation, or limited liability corporation, it is either:
(A) incorporated under Indiana law; or
(B) authorized to do business in Indiana.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.15.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-12. Refusal to Issue License

Sec. 12. The department may refuse to issue a license to an applicant if the department is not satisfied that any officer, employee, partner, or stockholder who could materially influence the applicant's conduct meets the standards of this chapter.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-13. Nonresident Licenses

Sec. 13. The department may not issue a license to an applicant who is not an Indiana resident unless the applicant does either of the following:
(1) Files and maintains with the department a written designation of an agent for service of process.
(2) Files with the department the applicant's written irrevocable consent that any action against the applicant may be begun against the applicant by the service of process on the department.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-14. Individuals Authorized to Act as Viatical Settlement Benefits Providers

Sec. 14. A license issued under this chapter authorizes all officers, members, and employees of the license holder designated under section 10(b) of this chapter to act as viatical settlement providers under the license.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.16.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-15. Expiration and Renewal of License

Sec. 15. (a) A license issued or renewed under this chapter expires on July 1 after its issuance or renewal.
(b) A viatical settlement provider may renew a license by:
(1) applying for renewal on forms prescribed by the department; and
(2) paying the renewal fee.
(c) The department shall adopt rules under IC 4-22-2 to do the following:
(1) Set the renewal fee required by this section.
(2) Set a date before July 1 and before which receipt of a license renewal application can be processed without a lapse in the license.
(d) A viatical settlement provider that submits an application for renewal after the date set under subsection (c)(2):
(1) is not entitled to have the license renewed before July 1; and
(2) may not act as a viatical settlement provider until the department issues the license renewal, if the department is unable to process the renewal before July 1.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.17.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-16. Disclosure of Identity of Individuals Associated With Viatical Settlement Providers

Sec. 16. The department may at any time require a viatical settlement provider or an applicant for a license to disclose fully the identity of all of the viatical settlement provider's or applicant's officers, employees, partners, and stockholders.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.18.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-17. Annual Reports

Sec. 17. (a) A viatical settlement provider shall file with the department an annual report containing information prescribed in rules adopted by the department under IC 4-22-2.
(b) The rules adopted by the department under subsection (a) shall set the date by which annual reports must be submitted.
(c) A viatical settlement provider shall maintain records of each viatical settlement at least five (5) years after the death of the insured.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.19.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-18. Examination of Viatical Settlement Provider or Applicant

Sec. 18. (a) When the department reasonably considers it necessary for the protection of the public, the department may examine the business and other affairs of a viatical settlement provider or an applicant.
(b) The department may order a viatical settlement provider or an applicant to produce records, books, files, or other information reasonably necessary to ascertain whether the viatical settlement provider or the applicant has violated or is violating the law or otherwise has acted or is acting contrary to the public interest.
(c) The viatical settlement provider or applicant shall pay the expenses of an examination conducted under this section.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-19. Suspension, Revocation, or Refusal to Renew License

Sec. 19. After a hearing under IC 4-21.5, the department may suspend, revoke, or refuse to renew a viatical settlement provider's license, or impose a civil penalty, or both, if the department finds any of the following:
(1) There was a misrepresentation in the application for the license.
(2) The viatical settlement provider is untrustworthy or incompetent to act as a viatical settlement provider.
(3) The viatical settlement provider demonstrates a pattern of unreasonable payments to viators.
(4) The viatical settlement provider has been convicted of, or pleaded guilty or nolo contendere to, an offense the definition of which includes fraudulent acts as an element of the offense regardless of whether a judgement has been entered by the court.
(5) The viatical settlement provider no longer meets the requirements for initial licensure.
(6) The viatical settlement provider has failed to honor the contractual obligations of a viatical settlement contract.
(7) The viatical settlement provider has violated this chapter.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.21.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-20.1. Stranger Originated Life Insurance; Prohibition

Sec. 20.1. (a) A person shall not issue, solicit, market, or otherwise promote the purchase of a life insurance policy in connection with stranger originated life insurance.
(b) A 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.112-2008, SEC.4.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-21. Required Terms of Viatical Settlement Contract

Sec. 21. (a) A viatical settlement contract must establish the terms under which the viatical settlement provider will pay value, in return for the viator's assignment, bequest, devise, sale, or transfer of the death benefit, certificate, or ownership of the insurance policy to the viatical settlement provider.
(b) A viatical settlement contract must provide for the unconditional rescission of the contract by the viator for the longer of the following:
(1) the period ending not more than fifteen (15) days after the receipt of the viatical settlement proceeds by the viator; or
(2) the period ending not more than thirty (30) days after execution of the contract.
(c) A viatical settlement contract is rescinded if the insured dies during the rescission period, subject to repayment to the viatical settlement provider of all proceeds and any premiums, loans, and loan interest that have been paid by the viatical settlement provider.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.22; P.L.223-2005, SEC.6.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-22. Form for Viatical Settlement Contract

Sec. 22. (a) A person may not use a viatical settlement contract form or a disclosure form in Indiana unless the contract form or disclosure form has been filed with and approved by the department.
(b) A viatical settlement contract form or disclosure form filed with the department is considered approved if the department has not disapproved the form within sixty (60) days after the filing.
(c) The department shall disapprove a viatical settlement contract form or disclosure form if the department finds that the contract form, disclosure form, or the provisions of the contract are:
(1) misleading or unfair to the viator;
(2) not in compliance with this chapter; or
(3) otherwise contrary to the public interest.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.23.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-24. Prerequisites to Viatical Settlement Contract

Sec. 24. A viatical settlement provider shall obtain the following before entering into a viatical settlement contract:
(1) If the viator is the insured, a written statement from a licensed attending physician that the insured is of sound mind and under no constraint or undue influence.
(2) A document signed by the viator and witnessed by two (2) disinterested witnesses in which the viator does the following:
(A) Consents to the viatical settlement contract.
(B) If the insured has a catastrophic or life threatening illness or condition, acknowledges the catastrophic or life threatening illness or condition.
(C) Represents that the viator has a full and complete understanding of the viatical settlement contract.
(D) Represents that the viator has a full and complete understanding of the benefits of the life insurance policy.
(E) Acknowledges that the viator has entered into the viatical settlement contract freely and voluntarily.
(F) Discloses the identity of any person that served as a viatical settlement broker in connection with the viatical settlement contract.
(3) A document in which the insured consents to the release of the insured's medical records.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.25; P.L.223-2005, SEC.8.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-24.2. Payment of Proceeds of Settlement to Trust or Escrow Account; Transfer of Proceeds of Settlement to Viator

Sec. 24.2. (a) Immediately upon a viatical settlement provider's receipt of a signed viatical settlement contract, the viatical settlement provider shall pay the proceeds of the viatical settlement to a trust or escrow account in a state or federally chartered financial institution whose deposits are insured by the Federal Deposit Insurance Corporation. The account shall be managed by a trustee or escrow agent independent of the parties to the contract.
(b) Within two (2) business days after the viatical settlement provider's receipt of the insurer's or group administrator's acknowledgment that ownership of the policy or interest in the certificate has been transferred and the beneficiary has been designated according to the viatical settlement contract, the trustee or escrow agent shall transfer the proceeds to the viator.
As added by P.L.32-1998, SEC.26.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-24.7. Disclosure of Identity of Viator

Sec. 24.7. Except as otherwise provided by law, a person with actual knowledge of a viator's identity may not disclose that identity to another person unless the disclosure is:
(1) necessary to effect a viatical settlement contract and the viator has provided written consent to the disclosure;
(2) provided in response to an investigation by the commissioner or other governmental officer or agency; or
(3) in connection with a transfer of a viatical settlement contract or viaticated policy to another licensed viatical settlement provider or to an entity that provides financing to effect the viatical settlement contract under a written agreement with a licensed viatical settlement provider.
As added by P.L.32-1998, SEC.27.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-24.8. Applicability of Ic 16-39 to Release of Insured's Medical Records

Sec. 24.8. IC 16-39 applies to the release of an insured's medical records under this chapter.
As added by P.L.32-1998, SEC.29.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-24.9. Contacts With Insured for Purpose of Determining Health Status

Sec. 24.9. (a) The viatical settlement provider or viatical settlement broker may contact the insured for the purpose of determining the health status of the insured not more than:
(1) one (1) time every three (3) months for an insured with a life expectancy of more than one (1) year; or
(2) one (1) time every month for an insured with a life expectancy of not more than one (1) year.
(b) Contacts made with an insured under subsection (a) must be made by mail unless the parties agree to another method of contact.
As added by P.L.32-1998, SEC.28.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-25. Standards for Evaluation of Reasonableness of Payments Under Viatical Settlement Contract

Sec. 25. The department may adopt rules under IC 4-22-2 to establish standards for evaluating the reasonableness of payments under viatical settlement contracts, including regulation of discount rates used to determine the amount paid in exchange for an assignment, a bequest, a devise, a sale, or a transfer of a benefit under a life insurance policy.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70. Amended by P.L.32-1998, SEC.30.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 19.8. Viatical Settlements › 27-8-19.8-26. Adoption of Rules

Sec. 26. The department may adopt rules under IC 4-22-2 that the department considers necessary to implement this chapter.
As added by P.L.130-1994, SEC.47 and P.L.116-1994, SEC.70.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-0.1. Application of Chapter

Sec. 0.1. The addition of this chapter by P.L.277-1993(ss) applies to insurance policies or health maintenance contracts that:
(1) are entered into or renewed with employers or individuals; and
(2) become effective after June 30, 1993.
As added by P.L.220-2011, SEC.448.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-2. "Drug" Defined

Sec. 2. As used in this chapter, "drug" means a drug or biologic that is used in an anticancer chemotherapeutic regimen.
As added by P.L.277-1993(ss), SEC.120.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-3. "Insurance Policy" Defined

Sec. 3. As used in this chapter, "insurance policy" means an accident and sickness policy (as defined in IC 27-8-5-1).
As added by P.L.277-1993(ss), SEC.120.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-4. "Off Label Use" Defined

Sec. 4. As used in this chapter, "off label use" means the use of a drug for indications other than those stated in the labeling approved by the federal Food and Drug Administration.
As added by P.L.277-1993(ss), SEC.120.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-5. "Health Maintenance Organization" Defined

Sec. 5. As used in this chapter, "health maintenance organization" has the meaning set forth in IC 27-13-1-19.
As added by P.L.277-1993(ss), SEC.120. Amended by P.L.26-1994, SEC.19.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-6. "Standard Reference Compendium" Defined

Sec. 6. As used in this chapter, "standard reference compendium" means any of the following:
(1) The United States Pharmacopeia Drug Information.
(2) The American Medical Association Drug Evaluations.
(3) The American Hospital Formulary Service Drug Information.
As added by P.L.277-1993(ss), SEC.120.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-7. Exclusion of Coverage for Drugs Not Approved by the Fda; Limitations

Sec. 7. An insurance policy or a health maintenance organization that provides coverage for drugs may not exclude coverage of a covered drug for a particular indication on the grounds that the drug has not been approved by the federal Food and Drug Administration for the particular indication if any of the following conditions are met:
(1) The drug is recognized for treatment of the indication in at least one (1) standard reference compendium.
(2) The drug is recommended for that particular type of cancer and found to be safe and effective in formal clinical studies, the results of which have been published in a peer reviewed professional medical journal published in the United States or Great Britain.
As added by P.L.277-1993(ss), SEC.120. Amended by P.L.26-1994, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-8. Enforcement of Chapter

Sec. 8. The commissioner has the authority to enforce this chapter under the provisions of IC 27-1-3-19, IC 27-9, and IC 27-13.
As added by P.L.277-1993(ss), SEC.120. Amended by P.L.26-1994, SEC.21.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 20. Reimbursement for Off Label Drug Treatment › 27-8-20-9. Drugs Not Requiring Coverage; Drug's Use Contraindicated; Experimental Drugs; Alteration of Laws Limiting Coverage on Drugs Not Approved by the Fda

Sec. 9. This chapter does not do any of the following:
(1) Require coverage for any drug when the federal Food and Drug Administration has determined the drug's use to be contraindicated.
(2) Require coverage for an experimental drug not approved for any indication by the federal Food and Drug Administration.
(3) Alter any other law limiting the coverage of drugs that have not been approved by the federal Food and Drug Administration.
As added by P.L.277-1993(ss), SEC.120.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 21. Advertisements Concerning Interest Rate Guarantees › 27-8-21-2. Statement of Period of Interest Rate Guarantee Required

Sec. 2. An advertisement that refers to an interest rate guarantee applying to a life insurance product or to an annuity contract must state the period for which the interest rate is guaranteed.
As added by P.L.1-1994, SEC.138.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 21. Advertisements Concerning Interest Rate Guarantees › 27-8-21-3. Violation an Unfair or Deceptive Act or Practice

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.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 22. Patient Billing › 27-8-22-1. "Health Care Provider" Defined

Sec. 1. As used in this chapter, "health care provider" has the meaning set forth in IC 34-18-2-14.
As added by P.L.1-1994, SEC.139. Amended by P.L.1-1998, SEC.152; P.L.1-2010, SEC.112.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 22. Patient Billing › 27-8-22-2. "Claim Information" Defined

Sec. 2. As used in this chapter, "claim information" means the following:
(1) A notice that a claim has been filed with a patient's third party payor.
(2) A copy of an itemized bill for services when submitted to the third party payor.
As added by P.L.1-1994, SEC.139.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 22. Patient Billing › 27-8-22-4. Providing Copy of Claim Information to Patient

Sec. 4. (a) A health care provider shall routinely provide to a patient or the patient's representative, upon request, a copy of the claim information for health care services to the patient that the health care provider submits to the patient's insurance company, Medicare, or other third party payor except Medicaid.
(b) A health care provider is not required by this section to provide the patient with more than one (1) copy of a patient's claim information.
As added by P.L.1-1994, SEC.139.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 22.1. Claims › 27-8-22.1-1. "Accident and Sickness Insurance Policy" Defined

Sec. 1. As used in this chapter, "accident and sickness insurance policy" means an insurance policy that provides at least one (1) of the types of insurance described in IC 27-1-5-1, Classes 1(b), 2(a), 2(b), 2(e), 2(f), and 2(h).
As added by P.L.161-2001, SEC.4.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 22.1. Claims › 27-8-22.1-2. "Insurer" Defined

Sec. 2. As used in this chapter, "insurer" means:
(1) an insurer that issues:
(A) an accident and sickness insurance policy; or
(B) a worker's compensation policy; or
(2) an employer who has received a certificate from the worker's compensation board to carry the employer's worker's compensation risk without insurance under IC 22-3-2-5.
As added by P.L.161-2001, SEC.4.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 22.1. Claims › 27-8-22.1-4. "Worker's Compensation Policy" Defined

Sec. 4. As used in this chapter, "worker's compensation policy" means a policy of insurance issued to an employer under IC 22-3-2-5.
As added by P.L.161-2001, SEC.4.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 22.1. Claims › 27-8-22.1-5. Use of Diagnostic or Procedure Codes

Sec. 5. (a) Not more than ninety (90) days after the date of the version specified in IC 27-1-1.5 of a diagnostic or procedure code described in this subsection:
(1) an insurer shall begin using the version specified in IC 27-1-1.5 of the:
(A) Current Procedural Terminology (CPT);
(B) International Classification of Diseases (ICD);
(C) American Psychiatric Association's Diagnostic and Statistical Manual of Mental Disorders (DSM);
(D) Current Dental Terminology (CDT);
(E) Healthcare Common Procedure Coding System (HCPCS); and
(F) third party administrator (TPA);
codes under which the insurer pays claims for services provided under an accident and sickness insurance policy or a worker's compensation policy; and
(2) a provider shall begin using the version specified in IC 27-1-1.5 of the:
(A) Current Procedural Terminology (CPT);
(B) International Classification of Diseases (ICD);
(C) American Psychiatric Association's Diagnostic and Statistical Manual of Mental Disorders (DSM);
(D) Current Dental Terminology (CDT);
(E) Healthcare Common Procedure Coding System (HCPCS); and
(F) third party administrator (TPA);
codes under which the provider submits claims for payment for services provided under an accident and sickness insurance policy or a worker's compensation policy.
(b) If a provider provides services that are covered under an accident and sickness insurance policy or a worker's compensation policy:
(1) after the date of the version specified in IC 27-1-1.5 of a diagnostic or procedure code described in subsection (a); and
(2) before the insurer begins using the version specified in IC 27-1-1.5 of the diagnostic or procedure code;
the insurer shall reimburse the provider under the version of the diagnostic or procedure code that was specified in IC 27-1-1.5 on the date that the services were provided.
As added by P.L.161-2001, SEC.4. Amended by P.L.66-2002, SEC.16; P.L.124-2018, SEC.84.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-1. Applicable Provisions

Sec. 1. IC 12-15-29-9 and IC 12-15-29-10 apply to this chapter.
As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-2. Applicability of Chapter

Sec. 2. Notwithstanding any other law, this chapter applies to the duty of an insurer to provide family health coverage to a child in accordance with this chapter.
As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-3. "Child" Defined

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.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-4. "Insurer" Defined

Sec. 4. As used in this chapter, "insurer" has the meaning set forth in IC 12-7-2-120.
As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-5. Prohibited Grounds for Denial of Coverage

Sec. 5. An insurer may not deny enrollment of a child under the health coverage of the child's parent on any of the following grounds:
(1) That the child was born out of wedlock.
(2) That the child is not claimed as a dependent on the parent's federal income tax return.
(3) That the child does not reside:
(A) with the parent; or
(B) in the insurer's service area.
As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-6. Duties of Insurer to Noncustodial Parent

Sec. 6. Whenever a child has health coverage through an insurer of a noncustodial parent, the insurer shall:
(1) provide any information to the custodial parent that is necessary for the child to obtain benefits through the coverage;
(2) permit the custodial parent, or the provider of medical assistance services with the custodial parent's approval, to submit claims for covered services without the approval of the noncustodial parent; and
(3) make payments on insurance claims submitted under subdivision (2) directly to the:
(A) custodial parent;
(B) provider of the medical assistance services; or
(C) office of Medicaid policy and planning.
As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-7. Duties of Insurer When Parent Is Ordered to Provide Coverage for Child

Sec. 7. Whenever a parent is required by a court or an administrative order to provide health coverage for a child and the parent is eligible for family health coverage through an insurer, the insurer:
(1) shall permit the parent to enroll under the family coverage a child who is otherwise eligible for the coverage, without regard to any enrollment season restrictions;
(2) shall enroll a child under the family coverage upon application by:
(A) the child's custodial parent;
(B) the office of Medicaid policy and planning; or
(C) a Title IV-D agency;
whenever a noncustodial parent who is enrolled fails to apply for coverage of the child; and
(3) may not disenroll or eliminate coverage of a child who is otherwise eligible for coverage unless the insurer is provided satisfactory written evidence that:
(A) the court order or an administrative order is no longer in effect; or
(B) the child is or will be enrolled in comparable health coverage through another insurer that is to take effect not later than the effective date of the disenrollment.
As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-8. Requirements Imposed by Insurer

Sec. 8. An insurer may not impose requirements on a state agency that has been assigned the rights of a person:
(1) eligible for assistance under Medicaid; and
(2) covered for health benefits from the insurer;
that are different from requirements applicable to an agency or assignee of any other person who is covered.
As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 23. Medical Child Support Provisions of Title Xix of the Federal Social Security Act › 27-8-23-9. Delivery of Policy

Sec. 9. A policy of health care coverage shall not be delivered or issued for delivery to any person in Indiana unless the policy complies with this chapter.
As added by P.L.46-1995, SEC.68 and P.L.133-1995, SEC.20.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 24. Minimum Maternity Benefits › 27-8-24-1. Applicability of Chapter

Sec. 1. This chapter applies to:
(1) every policy of accident and sickness insurance (as defined in IC 27-8-5-1), whether written on an individual basis, a group basis, a franchise basis, or a blanket basis; and
(2) every group contract (as defined in IC 27-13-1-16) or individual contract (as defined in IC 27-13-1-21) through which a health maintenance organization furnishes health care services;
that is issued, delivered, executed, or renewed in Indiana and that provides maternity benefits.
As added by P.L.194-1996, SEC.1.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 24. Minimum Maternity Benefits › 27-8-24-2. "At-Home Postdelivery Care"

Sec. 2. As used in this chapter, "at-home postdelivery care" refers to health care provided to a woman at her residence by a physician licensed under IC 25-22.5 or a registered nurse or an advanced practice registered nurse licensed under IC 25-23 whose scope of practice includes providing postpartum care in the area of maternal and child health care. The health care services provided must include, at a minimum:
(1) parent education;
(2) assistance and training in breast or bottle feeding; and
(3) performance of any maternal and neonatal tests routinely performed during the usual course of inpatient care for the woman or her newborn child, including the collection of an adequate sample for the hereditary and metabolic newborn screening.
As added by P.L.194-1996, SEC.1. Amended by P.L.129-2018, SEC.41.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 24. Minimum Maternity Benefits › 27-8-24-3. "Maternity Benefits"

Sec. 3. As used in this chapter, "maternity benefits" refers to the provision of health care to a woman before, during, and after delivery of a child, including physician, hospital, laboratory, and ultrasound services.
As added by P.L.194-1996, SEC.1.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 24. Minimum Maternity Benefits › 27-8-24-4. Postpartum Hospital Stay; HIV Testing of Newborns; Payment

Sec. 4. (a) Except as provided in section 5 of this chapter, every policy or group contract that provides maternity benefits must provide minimum benefits to a mother and her newborn child that cover:
(1) a minimum length of postpartum stay at a hospital licensed under IC 16-21 that is consistent with the minimum postpartum hospital stay recommended by the American Academy of Pediatrics and the American College of Obstetricians and Gynecologists in their Guidelines for Perinatal Care;
(2) the examinations to the newborn child required under IC 16-41-17-2; and
(3) the testing of the newborn child required under IC 16-41-6-4.
(b) Payment to a hospital for a test required under IC 16-41-6-4 must be in an amount equal to the hospital's actual cost of performing the test.
As added by P.L.194-1996, SEC.1. Amended by P.L.91-1999, SEC.5; P.L.237-2003, SEC.17.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 24. Minimum Maternity Benefits › 27-8-24-5. Conditions Warranting Shorter Period of Inpatient Care; At-Home Postdelivery Care Visit

Sec. 5. (a) If the patients’ attending physician determines further inpatient care is not necessary for the mother or newborn child, a policy or group contract that provides maternity benefits under this chapter may provide under the policy or group contract a shorter length of postpartum hospital stay than the period under section 4 of this chapter if all the following conditions are met:
(1) in the patients' attending physician's opinion the newborn meets the criteria for medical stability in the Guidelines for Perinatal Care prepared by the American Academy of Pediatrics and the American College of Obstetricians and Gynecologists that determine the appropriate length of stay based upon evaluation of:
(A) the antepartum, intrapartum, and postpartum course of the mother and infant;
(B) the gestational stage, birth weight, and clinical condition of the infant;
(C) the demonstrated ability of the mother to care for the infant after discharge; and
(D) the availability of postdischarge follow-up to verify the condition of the infant after discharge; and
(2) the policy or contract authorizes for the mother and the newborn one (1) at-home postdelivery care visit described in subsection (b).
(b) The at-home postdelivery care visit shall be conducted not later than forty-eight (48) hours following the discharge of the woman and her newborn child from a licensed hospital. However, at the mother's discretion, the visit may occur at the facility of the provider subject to the terms of the policy or group contract.
(c) The provider of the policy or group contract described in this chapter shall provide notice to each enrollee under the policy or group contract regarding the coverage provided under this chapter.
As added by P.L.194-1996, SEC.1. Amended by P.L.2-1997, SEC.66.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 24.1. Coverage for Treatment of Inherited Metabolic Disease › 27-8-24.1-0.1. Application of Chapter

Sec. 0.1. The addition of this chapter by P.L.166-2003 applies to an accident and sickness insurance policy that is issued, delivered, amended, or renewed after December 31, 2003.
As added by P.L.220-2011, SEC.449.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 24.1. Coverage for Treatment of Inherited Metabolic Disease › 27-8-24.1-1. "Accident and Sickness Insurance Policy"

Sec. 1. (a) As used in this chapter, "accident and sickness insurance policy" means an insurance policy that provides at least one (1) of the types of insurance described in IC 27-1-5-1, Classes 1(b) and 2(a), and is issued on a group basis.
(b) The term does not include the following:
(1) Accident only, credit, dental, vision, Medicare supplement, long term care, or disability income insurance.
(2) Coverage issued as a supplement to liability insurance.
(3) Worker's compensation or similar insurance.
(4) Automobile medical payment insurance.
(5) A specified disease policy.
(6) A short term insurance plan that:
(A) may be renewed for the greater of:
(i) thirty-six (36) months; or
(ii) the maximum period permitted under federal law;
(B) has a term of not more than three hundred sixty-four (364) days; and
(C) has an annual limit of at least two million dollars ($2,000,000).
(7) A policy that provides indemnity benefits not based on any expense incurred requirement, including a plan that provides coverage for:
(A) hospital confinement, critical illness, or intensive care; or
(B) gaps for deductibles or copayments.
(8) A supplemental plan that always pays in addition to other coverage.
(9) A student health plan.
(10) An employer sponsored health benefit plan that is:
(A) provided to individuals who are eligible for Medicare; and
(B) not marketed as, or held out to be, a Medicare supplement policy.
As added by P.L.166-2003, SEC.2. Amended by P.L.173-2007, SEC.41; P.L.288-2019, SEC.18.
2023 Indiana Code › Title 27. Insurance › Article 8. Life, Accident, and Health › Chapter 24.1. Coverage for Treatment of Inherited Metabolic Disease › 27-8-24.1-2. "Covered Individual"

Sec. 2. As used in this chapter, "covered individual" means an individual who is entitled to coverage under an accident and sickness insurance policy.
As added by P.L.166-2003, SEC.2.