Indiana Code Title 27. Insurance § 27-8-14.2-1

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 types of insurance described in IC 27-1-5-1 , classes 1(b) and 2(a).

(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.


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