Title 27, INSURANCE

Sec. 2. (a) This chapter does not apply to: (1) A policy that is security subject to federal jurisdiction. (2) A group policy, other than a group credit life insurance policy or a group credit health insurance policy. (3) A group annuity contract that serves as a funding vehicle …

Sec. 3. Except as otherwise provided in this chapter, a policy issued for delivery in Indiana must meet the following minimum requirements: (1) The text achieves a minimum score of forty (40) on the Flesch reading ease test or an equivalent score on a comparable test approved by …

Sec. 4. A non-English language policy that is issued for delivery in Indiana is in compliance with this chapter if the insurer issuing the policy certifies that the policy if translated into English would comply with section 3 of this chapter. As added by Acts 1981, P.L.245, SEC.…

Sec. 5. (a) The following procedure shall be used in determining the Flesch reading ease score: (1) First, a sample of the text of the policy shall be chosen for analysis: (A) For policy forms containing ten thousand (10,000) or less words of text, the entire policy form shall be…

Sec. 6. The commissioner may approve the use of any other reading ease test as an alternative to the Flesch reading ease test if it is comparable in result to the Flesch reading ease test. As added by Acts 1981, P.L.245, SEC.1.

Sec. 7. (a) A policy filed with the department must be accompanied by a certificate signed by an officer of the insurer stating that: (1) the policy meets the minimum reading ease score on the test used; or (2) the score for the policy is lower than the minimum required but shoul…

Sec. 8. At the option of an insurer, riders, endorsements, applications, and other forms made a part of the policy may be scored separately. As added by Acts 1981, P.L.245, SEC.1.

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 n…

Sec. 0.1. The addition of this chapter by P.L.150-1997 applies to all applications and policies for accident and sickness insurance delivered, issued for delivery, renewed, or executed after December 31, 1997. As added by P.L.220-2011, SEC.452.

Sec. 1. (a) This chapter applies to the following: (1) Every policy of accident and sickness insurance (as defined in IC 27-8-5-1), whether written on an individual basis, a group basis, a franchise basis, or a blanket basis that is issued, delivered, or renewed in Indiana. (2) E…

Sec. 10. (a) The commissioner shall enforce this chapter. (b) The commissioner may adopt rules under IC 4-22-2 to carry out this chapter. As added by P.L.150-1997, SEC.4.

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.

Sec. 2. (a) As used in this chapter, "genetic screening or testing" means a laboratory test: (1) of an individual's genes or chromosomes for abnormalities, defects, or deficiencies, including changes in the number, structure, or integrity of an individual's chromosomes or carrier…

Sec. 3. As used in this chapter, "health care services coverage" refers to an insurance policy, a health maintenance organization contract, or a governmental health care plan described in section 1 of this chapter. As added by P.L.150-1997, SEC.4.

Sec. 4. As used in this chapter, "insurer" means a company, a firm, a partnership, an entity, an association, an order, a society, or a system: (1) making any of the kinds of insurance; (2) entering into any of the kinds of contracts; or (3) providing any of the coverage; describ…

Sec. 5. In processing an application for health care services coverage or in determining insurability for health care services coverage, an insurer may not do any of the following: (1) Require an individual or any member of an individual's family seeking health care services cove…

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.150-199…

Sec. 7. An insurer may not cancel, refuse to issue, refuse to renew, or refuse to enter into a contract for health care services coverage based on the results of genetic screening or testing. As added by P.L.150-1997, SEC.4.

Sec. 8. An insurer may not deliver, issue for delivery, renew, or execute a contract for health care services coverage in Indiana that: (1) limits benefits; or (2) establishes premiums; based on the results of genetic screening or testing. As added by P.L.150-1997, SEC.4.…

Sec. 9. An insurer may consider the results of genetic screening or testing if: (1) the results are voluntarily submitted by: (A) an applicant for; or (B) an individual seeking renewal of; health care services coverage; and (2) the results are favorable to the applicant or the in…

Sec. 1. (a) If the commissioner determines that: (1) the financial condition of a health maintenance organization is such that the continued operation of the organization might be hazardous to: (A) the subscribers, enrollees, or creditors of the organization; or (B) the general p…

Sec. 2. For purposes of section 1(a)(2) of this chapter, the violation by a health maintenance organization of any Indiana law to which the health maintenance organization is subject is considered a violation of this article. As added by P.L.26-1994, SEC.25.

Sec. 3. (a) The commissioner may adopt rules under IC 4-22-2 to do the following: (1) Set uniform standards and criteria to produce an early warning that the continued operation of a health maintenance organization might be hazardous to the subscribers, enrollees, or creditors of…

Sec. 4. The remedies and measures available to the commissioner under this chapter are in addition to and not in place of the remedies and measures available to the commissioner under IC 27-9. As added by P.L.26-1994, SEC.25.