Title 27, INSURANCE

Sec. 12. (a) A certificate of insurance must not contain a warranty that the policy of property or casualty insurance to which the certificate of insurance refers complies with the insurance or indemnification requirements of a contract. (b) The inclusion of a contract number or …

Sec. 13. (a) A person is not entitled to notice of: (1) cancellation of; (2) nonrenewal of; or (3) a material change in; a policy of property or casualty insurance unless the person has notice rights under the terms of the policy of property or casualty insurance or an endorsemen…

Sec. 14. A certificate of insurance or any other document that is prepared, issued, requested, or required in violation of this chapter is void. As added by P.L.70-2013, SEC.1.

Sec. 15. (a) The commissioner may examine and investigate the activities of a person that the commissioner reasonably believes has violated this chapter. (b) The commissioner may issue a cease and desist order or impose a civil penalty of not more than one thousand dollars ($1,00…

Sec. 16. The department may adopt rules under IC 4-22-2 to implement this chapter. As added by P.L.70-2013, SEC.1.

Sec. 2. (a) As used in this chapter, "certificate of insurance" means a document prepared by an insurer or insurance producer as evidence of property or casualty insurance coverage. (b) The term does not include a policy of insurance, an insurance binder, a policy endorsement, or…

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.70-2013, SEC.1.

Sec. 4. As used in this chapter, "department" refers to the department of insurance created by IC 27-1-1-1. As added by P.L.70-2013, SEC.1.

Sec. 5. As used in this chapter, "insurance producer" has the meaning set forth in IC 27-1-15.6-2. As added by P.L.70-2013, SEC.1.

Sec. 6. As used in this chapter, "insurer" refers to an insurer (as defined in IC 27-1-2-3) that issues a policy of property or casualty insurance. As added by P.L.70-2013, SEC.1.

Sec. 7. As used in this chapter, "person" has the meaning set forth in IC 27-1-2-3. As added by P.L.70-2013, SEC.1.

Sec. 8. As used in this chapter, "property or casualty insurance" means one (1) or more of the kinds of insurance described in Class 2 and Class 3 of IC 27-1-5-1. As added by P.L.70-2013, SEC.1.

Sec. 9. (a) The use of a certificate of insurance form that: (1) is unfair, misleading, or deceptive; or (2) violates any law; is an unfair and deceptive act or practice in the business of insurance under IC 27-4-1-4. (b) If: (1) the commissioner has reason to believe that a cert…

Sec. 1. A health maintenance organization that enters into an individual contract or a group contract that provides a prescription drug benefit may report to the drug utilization review board established by IC 12-15-35-19, not later than October 1 of each calendar year, the numbe…

Sec. 1. As used in this chapter, "electronic delivery" or "electronically delivered" includes the following: (1) Delivery to an electronic mail address at which a party has consented to receive notices or documents. (2) Posting on an electronic network or web site accessible via …

Sec. 2. (a) As used in this chapter, "party" means a recipient of a notice or document required as part of an insurance transaction. (b) The term includes an applicant, an insured, a policyholder, and an annuity contract holder. As added by P.L.119-2014, SEC.1.

Sec. 3. (a) As used in this section, "online platform" means a web site or other digital application designed to facilitate the purchase of insurance policies by parties from a licensed insurer. (b) Except as provided in subsection (d), a notice to a party, or another document, t…

Sec. 4. (a) This chapter does not affect any applicable legal requirement related to content or timing of a notice or document. (b) If another law requiring a notice or document to be provided to a party expressly requires verification or acknowledgment of receipt of the notice o…

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

Sec. 6. (a) This chapter does not apply to a notice or document that is electronically delivered: (1) by an insurer before July 1, 2014; and (2) to a party who, before July 1, 2014, consented to receive electronically delivered notices or documents as otherwise allowed by law. (b…

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 un…

Sec. 8. (a) This chapter does not modify, limit, or supersede the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. 7001 et seq.). (b) This chapter does not apply to a document to which IC 27-1-44 applies. (c) This chapter does not apply to a notice or …

Sec. 9. An insurance producer is not liable for harm or injury that occurs in relation to electronic delivery or nondelivery of a notice or document covered under this chapter. As added by P.L.129-2014, SEC.9.

Sec. 1. (a) Except as provided in subsection (b), this chapter applies to a health maintenance organization that provides basic health care services. (b) This chapter does not apply to the credentialing of a provider by a health maintenance organization if the provider's applicat…

Sec. 2. (a) As used in this section, "clean credentialing application" means an application for network participation that: (1) is submitted by a provider under this section; (2) does not contain an error; and (3) may be processed by the health maintenance organization without re…

Sec. 3.5. (a) A physician licensed under IC 25-22.5 who was credentialed with a health maintenance organization to provide services within the previous twelve (12) months shall be considered provisionally credentialed if the physician: (1) is in good standing with the health main…

Sec. 4. (a) A fully credentialed provider shall be reimbursed for eligible services provided at any in-network hospital if the following conditions are met: (1) The provider submits the documentation required by the health maintenance organization to be loaded under the provider …

Sec. 5. (a) As used in this section, "physician" refers to an individual who: (1) is licensed under IC 25-22.5; (2) has been granted reciprocity by the medical licensing board of Indiana under IC 25-1-21 before July 1, 2026; or (3) is licensed in a state that has enacted the inte…

Sec. 1. As used in this chapter, "property and casualty insurance" means one (1) or more of the types of insurance described in IC 27-1-5-1, Class 2 and Class 3. The term does not include title insurance (as defined in IC 27-7-3-2). As added by P.L.119-2014, SEC.2. Amended by P.L…

Sec. 2. A standard property and casualty insurance policy or endorsement that does not contain personally identifiable information may be: (1) mailed or electronically delivered (as provided in IC 27-1-43) to the insured; or (2) posted on the insurer's Internet web site. As added…

Sec. 3. An insurer that elects to post a property and casualty insurance policy or endorsement on the insurer's Internet web site under section 2 of this chapter shall comply with all the following: (1) The policy or endorsement must remain accessible as long as the policy is in …

Sec. 1. As used in this chapter, "controlling" has the meaning set forth in IC 23-1-43-8. As added by P.L.239-2025, SEC.11.

Sec. 10. In carrying out the department's duties under this chapter, the department shall operate within existing appropriations for the department. As added by P.L.239-2025, SEC.11.

Note: This version of section effective until 7-1-2027. See also following version of this section, effective 7-1-2027. Sec. 2. As used in this chapter, "insurer" includes the following: (1) An insurer (as defined in IC 27-1-2-3(x)) that issues a policy of accident and sickness i…

Sec. 3. 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.239-2025, SEC.11.

Sec. 4. As used in this chapter, "third party administrator" means an individual or entity that performs administrative services for an insurer or a self-funded health benefit plan, including: (1) a self-funded health benefit plan that complies with the federal Employee Retiremen…

Sec. 5. (a) Beginning July 1, 2025, and each July 1 thereafter, each insurer, third party administrator, and pharmacy benefit manager that does business in Indiana shall file with the department a report that includes the following information: (1) The name of each person or enti…

Sec. 6. (a) The department shall cooperate with the Indiana department of health and the secretary of state to develop and implement a plan to collect the information described in section 5 of this chapter, IC 16-21-6-3(a)(14) through IC 16-21-6-3(a)(18), and IC 23-0.5-2-13(a)(6)…

Sec. 7. (a) The department may assess: (1) an insurer; (2) a third party administrator; or (3) a pharmacy benefit manager; that violates section 5 of this chapter a fine of one thousand dollars ($1,000) per day for which the report is past due. (b) A fine under this section shall…

Sec. 8. (a) Before December 1 of each year, the department shall submit to the legislative council an annual report of the: (1) violations assessed; and (2) fines waived; under section 7 of this chapter in the previous calendar year. (b) A report described in this section must be…

Sec. 9. (a) The department shall issue a notice or bulletin on at least two (2) occasions to notify insurers, third party administrators, and pharmacy benefit managers of the reporting requirements set forth in this chapter. (b) A notice or bulletin issued under this section must…

Sec. 0.5. This chapter does not apply to emergency services. As added by P.L.93-2020, SEC.11.

Sec. 1. As used in this chapter, "covered individual" means an individual who is entitled to be provided health care services at a cost established according to a network plan. As added by P.L.93-2020, SEC.11.

Sec. 1.5. As used in this chapter, "emergency services" means services that are: (1) furnished by a provider qualified to furnish emergency services; and (2) needed to evaluate or stabilize an emergency medical condition. As added by P.L.93-2020, SEC.11.

Sec. 10. The requirements of this chapter do not apply to a facility or practitioner that: (1) is required to comply with; and (2) is in compliance with; 45 CFR Part 149, Subparts E and G, as may be enforced and amended by the federal Department of Health and Human Services. As a…

Sec. 2. (a) As used in this chapter, "facility" means an institution in which health care services are provided to individuals. The term includes: (1) hospitals and other licensed ambulatory surgical centers; and (2) ambulatory outpatient surgical centers. (b) The term does not i…