Indiana § 27-8-13-20 - Refund of unused premiums

§ 27-8-13-20. Refund of unused premiums

Sec. 20. (a) All Medicare supplement policies issued for delivery in Indiana after June 30, 1990, must provide for the refund of unused premiums upon the death of the insured during the contract period.

(b) The amount of premium refund shall be prorated from the date following the date of death of the insured to the end of the contract period for which the premium has been paid.

(c) The refund required by this section shall be paid as follows:

(1) If a person other than the insured paid the premium, to that person. A person entitled to a refund under this subdivision must provide proof of payment to the insurer.

(2) If the insured paid the premium, to the surviving spouse of the insured. If there is no surviving spouse, the premium shall be paid in the same manner as distributions of the net estate of a person who dies intestate under IC 29-1-2-1(d).

(d) A person entitled to receive a refund under this section must do the following:

(1) Submit a written request for the refund.

(2) Furnish proof of the insured's death.

As added by P.L.151-1990, SEC.2.

IC 27-8-13.4Chapter 13.4. Coverage for Abortion

27-8-13.4-1"Accident and sickness insurance policy" 27-8-13.4-2Prohibition on coverage of abortion; exceptions; coverage through rider or endorsement

IC 27-8-13.4-1"Accident and sickness insurance policy" Sec. 1. (a) As used in this chapter, "accident and sickness insurance policy" means an insurance policy that:

(1) provides one (1) or more of the types of insurance described in IC 27-1-5-1, Class 1(b) and Class 2(a); and

(2) is issued on a group or individual basis.

(b) As used in this chapter, "accident and sickness insurance policy" 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) 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.124-2014, SEC.1. Amended by P.L.288-2019, SEC.9.

IC 27-8-13.4-2Prohibition on coverage of abortion; exceptions; coverage through rider or endorsement Sec. 2. (a) An accident and sickness insurance policy that is issued, delivered, amended, or renewed after December 31, 2014, may not provide coverage for abortion, except in the following cases:

(1) The pregnant woman became pregnant through an act of rape or incest.

(2) An abortion is necessary to avert the pregnant woman's death or a substantial and irreversible impairment of a major bodily function of the pregnant woman.

(b) An insurer that issues an accident and sickness insurance policy described in subsection (a) may offer coverage for abortion through a rider or an endorsement.

As added by P.L.124-2014, SEC.1.

IC 27-8-13.5Chapter 13.5. Coverage for Medical Services for Women with High Breast Density

27-8-13.5-1Application of chapter 27-8-13.5-2"High breast density" 27-8-13.5-3"Insured" 27-8-13.5-4"Policy of accident and sickness insurance" 27-8-13.5-5High breast density

IC 27-8-13.5-1Application of chapter Sec. 1. This chapter applies to a policy of accident and sickness insurance that is issued, delivered, amended, or renewed after June 30, 2013.

As added by P.L.126-2013, SEC.4.

IC 27-8-13.5-2"High breast density" Sec. 2. As used in this chapter, "high breast density" means a condition in which there is a greater amount of breast and connective tissue in comparison to fat in the breast.

As added by P.L.126-2013, SEC.4.

IC 27-8-13.5-3"Insured" Sec. 3. As used in this chapter, "insured" means an individual who is entitled to coverage under a policy of accident and sickness insurance.

As added by P.L.126-2013, SEC.4.

IC 27-8-13.5-4"Policy of accident and sickness insurance" Sec. 4. As used in this chapter, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. 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) Automobile medical payment insurance.

(4) A specified disease policy.

(5) 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).

(6) 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.

(7) Worker's compensation or similar insurance.

(8) A student health plan.

(9) A supplemental plan that always pays in addition to other coverage.

(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.126-2013, SEC.4. Amended by P.L.288-2019, SEC.10.

IC 27-8-13.5-5High breast density Sec. 5. A policy of accident and sickness insurance must provide coverage for an appropriate medical screening, test, or examination for a female insured who is at least forty (40) years of age and who has been determined to have high breast density.

As added by P.L.126-2013, SEC.4.

IC 27-8-14Chapter 14. Coverage for Services Related to Breast Cancer Screening

27-8-14-0.1Application of chapter; application of certain amendments to chapter 27-8-14-1"Accident and sickness insurance policy" 27-8-14-2"Breast cancer screening mammography" 27-8-14-3"Insured" 27-8-14-4"Mammography services provider" 27-8-14-5"Woman at risk" 27-8-14-6Breast cancer screening mammography; coverage