Title 27, INSURANCE

Sec. 20. Agreements may be made among insurers with respect to the equitable apportionment among them of: (1) automobile; (2) bodily injury liability; and (3) property damage; insurance which may be afforded applicants who are in good faith entitled to but who are unable to procu…

Sec. 20.1. (a) For purposes of this section, an individual is a "foster youth" if: (1) the department of child services; or (2) a designee of the department of child services; certifies or acknowledges that the individual is a foster youth (as defined by IC 31-9-2.1-110(b)). (b) …

Sec. 22. (a) For the purpose of maintaining the affirmative, active, and definite administration of the provisions of this chapter, the commissioner, with the approval of the governor, may appoint such additional actuaries, deputies, examiners, assistants, and other employees in …

Sec. 23. No provision of IC 4-22-2 shall be construed to apply to rates or classifications made pursuant to the provisions of this chapter and approved by the commissioner or department. Formerly: Acts 1967, c.133, s.23. As amended by P.L.252-1985, SEC.124.

Sec. 24. (a) The commissioner may suspend the license of any rating organization or insurer which fails to comply with an order of the commissioner or department within the time limited by such order, or any extension thereof which the commissioner may grant. The commissioner sha…

Sec. 25. (a) This section only applies to a policyholder or an applicant who is an individual. (b) As used in this section, "motor vehicle insurance" means any type of insurance described in IC 27-1-5-1, Class 2(f). (c) A motor vehicle insurance rating plan filed under section 4 …

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 se…

Sec. 26.1. (a) As used in this section, "armed forces" means the active and reserve components of 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…

Sec. 27. (a) The purpose of this section is to preclude insurers from charging higher rates for innocent prior-uninsured motorists who have not operated a motor vehicle in violation of any financial responsibility or compulsory insurance requirement within the prior twelve months…

Sec. 28. (a) This section applies to a title policy issued after June 30, 2014. To the extent of any conflicts with any other provision of this chapter, this section is controlling. (b) The definitions in IC 27-7-3 apply throughout this section. (c) For purposes of this section, …

Sec. 3. (a) Rates shall be made in accordance with the following provisions: (1) Due consideration shall be given to the past and prospective loss experience within and outside this state, to conflagration and catastrophe hazards, if any, to a reasonable margin for underwriting p…

Sec. 3.1. (a) As used in this section, "motor vehicle insurance" means any type of insurance described in IC 27-1-5-1, Class 2(f). (b) A motor vehicle insurance rate filed under section 4 of this chapter may provide for an appropriate reduction in premium charges for a policy if …

Sec. 4. (a) Every insurer shall file with the commissioner every manual of classifications, rules, and rates, every rating schedule, every rating plan, and every modification of any of the foregoing which it proposes to use. (b) The following types of insurance are exempt from th…

Sec. 5. (a) Upon the commissioner's motion, or upon written request by any insured affected thereby or by any licensed insurance producer or broker, if such request is made in good faith and states reasonable grounds, the commissioner, if the commissioner shall have reason to bel…

Sec. 6. (a) A "bad-faith filing", as used in this chapter, means a rate filing made by any filer who, in bad faith, files a rate which it knows, or should know, is grossly inadequate for the insurance coverage provided, and which is filed and used for the purpose of unfairly obta…

Sec. 7. (a) When a filing or deviation involving a rate adjustment depends upon a change in the relationship between the proposed rates and the anticipated production expense portion thereof from the relationship anticipated under any rates previously filed and currently in effec…

Sec. 8. (a) A rating organization is an individual, partnership, corporation, limited liability company, or unincorporated association other than an insurer located within or without this state, who or which has as its primary object and purpose the making and filing of rates, ra…

Sec. 9. (a) In addition to any rights conferred pursuant to section 4 of this chapter any member or subscriber to a rating organization may file with commissioner a deviation from the rates, rating schedules, rating plans, rating systems, or rules respecting any kind of insurance…

Sec. 1. This chapter applies to a claim that is filed under a policy after June 30, 2011. As added by P.L.67-2011, SEC.1.

Sec. 2. As used in this chapter, "commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2. As added by P.L.67-2011, SEC.1.

Sec. 3. As used in this chapter, "insured" means the individual whose life is the subject of insurance under a policy. As added by P.L.67-2011, SEC.1.

Sec. 4. As used in this chapter, "insurer" means an insurance company that issues a policy. As added by P.L.67-2011, SEC.1.

Sec. 5. As used in this chapter, "policy" means a policy or certificate that provides the kind of insurance described in Class 1 of IC 27-1-5-1. As added by P.L.67-2011, SEC.1.

Sec. 6. As used in this chapter, "retained asset account" means a mechanism through which the settlement of proceeds payable under a policy occurs by the insurer's deposit of the proceeds into a checking or draft account: (1) in which the proceeds are retained by the insurer; and…

Sec. 7. An insurer may not use a retained asset account unless, before the policy proceeds are transferred to the retained asset account, the insurer: (1) informs: (A) the beneficiary; (B) the legal representative of the beneficiary; or (C) in the case of a group policy, the poli…

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

Sec. 9. A violation of this chapter is an unfair and deceptive act in the business of insurance under IC 27-4-1-4. As added by P.L.67-2011, SEC.1.

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.

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.

Sec. 3. As used in this chapter, "representative" has the meaning set forth in IC 16-36-1-2. As added by P.L.1-1994, SEC.139.

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 ot…

Sec. 1. (a) A licensed insurer or a hospital authorized to conduct business in Indiana may, through a subsidiary or an affiliate, organize and operate a health maintenance organization under this article. (b) This section does not apply to a health maintenance organization grante…

Sec. 2. Notwithstanding any other law: (1) insurers; (2) hospitals; or (3) subsidiaries or affiliates of entities referred to in subdivisions (1) and (2); may jointly organize and operate a health maintenance organization. As added by P.L.26-1994, SEC.25.

Sec. 3. For the purposes of IC 27-1-2-2, the business of insurance includes the providing of health care services by a health care maintenance organization owned or operated by an insurer or a subsidiary of an insurer. As added by P.L.26-1994, SEC.25.

Sec. 4. An insurer or a hospital may contract with a health maintenance organization to provide to the health maintenance organization: (1) insurance coverage or similar protection against the cost of health care services provided through the health maintenance organization; or (…

Sec. 5. Under a contract between an insurer or a hospital and a health maintenance organization under section 4 of this chapter, the insurer or hospital may make benefit payments to the health maintenance organization for health care services for which the health maintenance orga…

Sec. 0.5. This chapter does not apply to the following: (1) The Medicaid program. (2) Ambulance services owned or operated by a health system (as defined in IC 16-18-2-168.5) that bill for ambulance services under the health system. As added by P.L.163-2024, SEC.4.

Sec. 1. As used in this chapter, "ambulance" refers only to a vehicle that is used to provide ambulance service on land. As added by P.L.170-2022, SEC.36.

Sec. 2. As used in this chapter, "ambulance service provider" means a person that: (1) provides ambulance service; and (2) holds a valid certificate issued by the commission under IC 16-31-3 authorizing the person to provide ambulance service. As added by P.L.170-2022, SEC.36.…

Sec. 2.8. As used in this chapter, "clean claim" means a claim for payment for ambulance service: (1) that is submitted to a health plan by an ambulance service provider; and (2) about which there is no defect, impropriety, or particular circumstance requiring special treatment t…

Sec. 3. As used in this chapter, "covered individual" means an individual who is entitled to coverage under a health plan. As added by P.L.170-2022, SEC.36.

Sec. 4. (a) As used in this chapter, "health plan" means either of the following: (1) A policy of accident and sickness insurance as defined in IC 27-8-5-1, but not including any insurance, plan, or policy set forth in IC 27-8-5-2.5(a). (2) An individual contract (as defined in I…

Sec. 5. As used in this chapter, "health plan operator" means the following: (1) In the case of a health plan described in section 4(a)(1) of this chapter, the insurer that issued the policy. (2) In the case of a health plan described in section 4(a)(2) of this chapter, the healt…

Sec. 6. For purposes of this chapter: (1) an ambulance service provider that provides ambulance service to an individual covered by a health plan is "nonparticipating" with respect to the health plan if the ambulance service provider has not, by contract, affiliation, agreement, …

Sec. 7. As used in this chapter, "person" means an individual, a corporation, a limited liability company, a partnership, or another legal entity. As added by P.L.170-2022, SEC.36.

Sec. 7.5. As used in this chapter, "state employee health plan" means either of the following: (1) A self-insurance program established under IC 5-10-8-7(b) to provide group coverage. (2) A prepaid health care delivery plan through which health services are provided under IC 5-10…