# Ind. Code § 27-8-5-2.5: Coverage under individual, and certain association group, policies of accident and sickness insurance; waivers > Indiana · Statutes · In force URL: https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-2.5 ## Section - **Citation:** Ind. Code § 27-8-5-2.5 - **Heading:** Coverage under individual, and certain association group, policies of accident and sickness insurance; waivers - **Jurisdiction:** Indiana - **Kind:** Statutes - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Indiana Code / Title 27 / Article 8 / Chapter 5 / Section 27-8-5-2.5 ## Text Sec. 2.5. (a) As used in this section, the term "policy of accident and sickness insurance" 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. (b) The benefits provided by: (1) an individual policy of accident and sickness insurance; or (2) a certificate of coverage that is issued under a nonemployer based association group policy of accident and sickness insurance to an individual who is a resident of Indiana; may not be excluded, limited, or denied for more than twelve (12) months after the effective date of the coverage because of a preexisting condition of the individual. (c) An individual policy of accident and sickness insurance or a certificate of coverage described in subsection (b) may not define a preexisting condition, a rider, or an endorsement more restrictively than as: (1) a condition that would have caused an ordinarily prudent person to seek medical advice, diagnosis, care, or treatment during the twelve (12) months immediately preceding the effective date of the plan; (2) a condition for which medical advice, diagnosis, care, or treatment was recommended or received during the twelve (12) months immediately preceding the effective date of the plan; or (3) a pregnancy existing on the effective date of the plan. (d) An insurer shall reduce the period allowed for a preexisting condition exclusion described in subsection (b) by the amount of time the individual has continuously served under a preexisting condition clause for a policy of accident and sickness insurance issued under IC 27-8-15 if the individual applies for a policy under this chapter not more than thirty (30) days after coverage under a policy of accident and sickness insurance issued under IC 27-8-15 expires. As added by P.L.93-1995, SEC.6. Amended by P.L.190-1996, SEC.1; P.L.211-2003, SEC.2; P.L.127-2006, SEC.1; P.L.173-2007, SEC.23; P.L.3-2008, SEC.212; P.L.288-2019, SEC.2. ## Nearby sections - [Ind. Code § 27-8-5-0.1 Application of certain amendments to chapter](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-0.1.md) - [Ind. Code § 27-8-5-1 Policy of accident and sickness insurance; filing; review; conformity with federal act](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-1.md) - [Ind. Code § 27-8-5-1.5 Filing, review, approval, and disapproval process](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-1.5.md) - [Ind. Code § 27-8-5-1.7 Applicability; filing of information; report](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-1.7.md) - [Ind. Code § 27-8-5-2 Requirements for issuance and delivery of policy](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-2.md) - [Ind. Code § 27-8-5-2.5 Coverage under individual, and certain association group, policies of accident and sickness insurance; waivers](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-2.5.md) - [Ind. Code § 27-8-5-2.6 Repealed](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-2.6.md) - [Ind. Code § 27-8-5-2.7 Individual policy of accident and sickness insurance; waiver of coverage](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-2.7.md) - [Ind. Code § 27-8-5-3 Required provisions; statutory option provisions; inapplicable or inconsistent provisions; order of provisions; third party ownership; requirements of other jurisdictions; filing procedure](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-3.md) - [Ind. Code § 27-8-5-4 Effect of other policy provisions or policy conflicting with chapter](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-4.md) - [Ind. Code § 27-8-5-5 Application; attaching copy to policy; furnishing copy to insured; alterations; effect of false statements](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-5.md) - [Ind. Code § 27-8-5-6 Defenses of insurer; acts not constituting waiver](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-6.md) - [Ind. Code § 27-8-5-7 Acceptance of premium for period beyond termination date; effect; misstatement of age](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-7.md) - [Ind. Code § 27-8-5-8 Exemption of accident and sickness coverage incidental to designated other forms of insurance](https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-8.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_IN_T27_A8_C5_S27-8-5-2.5. Check the current official text before relying on it. Not legal advice.