Indiana § 27-8-5.6-2 Policy provisions

Indiana Statutes

§ 27-8-5.6-2 — Policy provisions

Indiana § 27-8-5.6-2

Title 27INSURANCE

Art. 8LIFE, ACCIDENT, AND HEALTH

Ch. 5.6Accident and Sickness Insurance─Coverage for

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Bluebook

Ind. Code § 27-8-5.6-2 (2026).

Text

(a)Except as provided in subsection (b), all individual and group accident and sickness insurance policies or contracts which provide coverage on an expense incurred basis or a provision of service basis for:

(1)an individual insured, certificate holder, or subscriber; or

(2)a family member or child of the insured, certificate holder, or subscriber; shall, as to such individual or family members' coverage, also provide that the insurance benefits applicable for the individual or family member shall be payable with respect to a newly born child of the insured, certificate holder, or subscriber from the moment of birth.

(b)Subsection (a) does not require the coverage of a newly born child of an insured or a subscriber under an individual accident and sickness policy or contract if the pr

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(a) Except as provided in subsection (b), all
individual and group accident and sickness insurance policies or
contracts which provide coverage on an expense incurred basis or a
provision of service basis for:
(1) an individual insured, certificate holder, or subscriber; or
(2) a family member or child of the insured, certificate holder, or
subscriber;
shall, as to such individual or family members' coverage, also provide
that the insurance benefits applicable for the individual or family
member shall be payable with respect to a newly born child of the
insured, certificate holder, or subscriber from the moment of birth.
(b) Subsection (a) does not require the coverage of a newly born
child of an insured or a subscriber under an individual accident and
sickness policy or contract if the pregnancy resulting in the birth of the
newly born child was a condition that existed prior to the issuance of
the policy or contract. If the pregnancy resulting in the birth of a newly
born child was a condition that existed prior to the issuance of the
policy or contract, coverage for the newly born child under the policy
or contract is subject to the underwriting practices followed by the
insurer at the time of the birth of the child.
(c) The coverage for newly born children required by subsection (a)
shall consist of coverage of injury or sickness, including the necessary
care and treatment of medically diagnosed congenital defects and birth
abnormalities. Coverage for newly born children required by
subsection (a) shall include but not be limited to benefits for inpatient
or outpatient expenses arising from medical and dental treatment
(including orthodontic and oral surgery treatment) involved in the
management of birth defects known as cleft lip and cleft palate.
Formerly: Acts 1975, P.L.282, SEC.1. As amended by
P.L.259-1985, SEC.1; P.L.267-1987, SEC.6; P.L.257-1995, SEC.1;
P.L.189-1997, SEC.1.