{"data":{"id":"us-in/ic-27-8-24.3-8","jurisdiction":"us-in","citation":"IC 27-8-24.3-8","heading":"Underwriting or rating risk on basis of physical or mental condition caused by abuse","body":"Sec. 8. This chapter does not prohibit an insurer from inquiring about, underwriting, or rating a risk on the basis of a physical or mental condition, even if that condition has been caused by abuse if:\n(1) the insurer routinely underwrites or charges a different rate for that condition in the same manner with respect to all individuals who apply for or are covered by an insurance policy or a health plan regardless of whether the individual has been the victim of abuse;\n(2) the individual's status as being, having been, or having the potential to be the subject of abuse is not considered to be a physical or mental condition;\n(3) the insurer does not:\n(A) refuse to insure or refuse to contract with;\n(B) refuse to continue to insure or refuse to continue to contract with;\n(C) limit the amount, extent, or coverage available; or\n(D) charge a different rate for the same coverage;\nsolely because of a physical or mental condition, except where the refusal, limitation, or rate differential is based on sound actuarial principles or is related to actuarial or reasonably anticipated experience; and\n(4) the underwriting or rating is not used to evade the intent of this chapter.","path":["TITLE 27. INSURANCE","ARTICLE 8. LIFE, ACCIDENT, AND HEALTH","Chapter 24.3. Insurance and Health Plan Coverage for Victims of Abuse"],"source_url":"https://iga.in.gov/ic/2026/Title_27.html#27-8-24.3-8","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-25T05:39:04Z","sha256":"a22fa4f7c64d6384f08bc821d42c70dca4951bf59a9bb63602ded89c2829b8c5","source_id":"us-in","stale":false,"prev":"us-in/ic-27-8-24.3-7","next":"us-in/ic-27-8-24.3-9"},"notice":"GroundRules: Original legal text. Not legal advice."}