NRS 687B.120
Filing and approval of forms

  • exemption
  • appeal of disapproval.

1.

Except as otherwise provided in subsection 2:

(a)

No life or health insurance policy or contract, annuity contract form, policy form, health care plan or plan for dental care, whether individual, group or blanket, including those to be issued by a health maintenance organization, organization for dental care or prepaid limited health service organization, or application form where a written application is required and is to be made a part of the policy or contract, or printed rider or endorsement form or form of renewal certificate, or form of individual certificate or statement of coverage to be issued under group or blanket contracts, or by a health maintenance organization, organization for dental care or prepaid limited health service organization, may be delivered or issued for delivery in this state, unless the form has been filed with and approved by the Commissioner.

(b)

As to individual policies pursuant to paragraph (d) of subsection 2 of NRS 679B.220 or group insurance policies effectuated and delivered outside this state but covering persons resident in this state, the certificates to be delivered or issued for delivery in this state must be filed, for informational purposes only, with the Commissioner at the request of the Commissioner.

2.

As to group insurance policies to be issued to a group approved pursuant to NRS 688B.030 or 689B.026, no policies of group insurance may be marketed to a resident or employer of this State unless the policy and any form or certificate to be issued pursuant to the policy has been filed with and approved by the Commissioner.

3.

Every filing made pursuant to the provisions of subsection 1 or 2 must be made not less than 45 days in advance of any delivery pursuant to subsection 1 or marketing pursuant to subsection 2. At the expiration of 45 days the form so filed shall be deemed approved unless prior thereto it has been affirmatively approved or disapproved by order of the Commissioner. Approval of any such form by the Commissioner constitutes a waiver of any unexpired portion of such waiting period. The Commissioner may extend by not more than an additional 30 days the period within which the Commissioner may so affirmatively approve or disapprove any such form, by giving notice to the insurer of the extension before expiration of the initial 45-day period. At the expiration of any such period as so extended, and in the absence of prior affirmative approval or disapproval, any such form shall be deemed approved. The Commissioner may at any time, after notice and for cause shown, withdraw any such approval.

4.

Any order of the Commissioner disapproving any such form or withdrawing a previous approval must state the grounds therefor and the particulars thereof in such detail as reasonably to inform the insurer thereof. Any such withdrawal of a previously approved form is effective at the expiration of such a period, not less than 30 days after the giving of notice of withdrawal, as the Commissioner in such notice prescribes.

5.

The Commissioner may, by order, exempt from the requirements of this section for so long as the Commissioner deems proper any insurance document or form or type thereof specified in the order, to which, in the opinion of the Commissioner, this section may not practicably be applied, or the filing and approval of which are, in the opinion of the Commissioner, not desirable or necessary for the protection of the public.

6.

Appeals from orders of the Commissioner disapproving any such form or withdrawing a previous approval may be taken as provided in NRS 679B.310 to 679B.370, inclusive.

Source: Section 687B.120 — Filing and approval of forms; exemption; appeal of disapproval., https://www.­leg.­state.­nv.­us/NRS/NRS-687B.­html#NRS687BSec120.

687B.010
Scope.
687B.015
“Binder” defined.
687B.021
Signatures.
687B.030
Waiver of payment of premium.
687B.040
Insurable interest: Personal insurance.
687B.050
Insurable interest: Exception when certain institutions designated beneficiary.
687B.060
Insurable interest: Property.
687B.070
Power to contract: Purchase of insurance and annuities by minors.
687B.080
Consent of insured to life or health insurance required
687B.090
Alteration of application: Life and health insurance.
687B.100
Application as evidence.
687B.110
Representations in applications.
687B.113
Control of cost of health care: Provisions encouraging use of certain services and facilities.
687B.117
Control of cost of health care: Insurer required to use three or more practices that control cost in administering benefits.
687B.120
Filing and approval of forms
687B.122
Readability of policies: Applicability of requirements.
687B.124
Readability of policies: Flesch test
687B.126
Readability of policies: Filing policy for Commissioner’s approval
687B.128
Readability of policies: Approval by Commissioner.
687B.130
Grounds for disapproval.
687B.140
Standard provisions.
687B.145
Provisions in policies of casualty insurance: Proration of recovery or benefits
687B.147
Exclusion, reduction or limitation of certain coverage in motor vehicle insurance policies allowed
687B.150
Inclusion of portion of charter or bylaws.
687B.160
Execution of policies.
687B.170
Underwriters’ and combination policies.
687B.180
Validity and construction of noncomplying forms.
687B.182
Binders: Issuance
687B.183
Binders: Forms
687B.184
Binders: Form and premium for policy issued as replacement.
687B.185
Binders: Prohibition of use to lower premiums.
687B.186
Binders: Proof of insurance coverage.
687B.187
Binders: Disapproval of insurer.
687B.190
Delivery of policy.
687B.200
Assignability.
687B.210
Payment discharges insurer.
687B.220
Forms for proof of loss to be furnished.
687B.225
Requirements for contracts for payment of cost of medical or dental care which require prior authorization of care.
687B.240
Administration of claims not waiver.
687B.250
Payment not to constitute admission of liability or waiver of defenses.
687B.255
Insurer to pay claim with negotiable instrument.
687B.260
Exemption of proceeds of certain policies.
687B.270
Exemption of proceeds: Health insurance.
687B.280
Exemption of proceeds: Group insurance.
687B.290
Exemption of proceeds: Annuities
687B.300
Retention of proceeds of policy by insurer.
687B.310
Cancellations and nonrenewals
687B.320
Midterm cancellation
687B.325
Industrial insurance policies: Midterm cancellation
687B.330
Anniversary cancellation.
687B.340
Nonrenewals.
687B.345
Annual review of coverage and benefits provided in policy.
687B.350
Renewal with altered terms.
687B.355
Information about claims paid on behalf of policyholder
687B.360
Information about grounds.
687B.370
Information about applying for insurance through certain plans
687B.380
Immunity.
687B.385
Refusal to issue, cancellation, nonrenewal or increase in premium due to claims for which insured was not at fault, claims for which insurer made no payment or recovered entirety of payment or inquiries relating to a claim prohibited.
687B.390
Cancellation or nonrenewal on sole basis of age, residence, race, color, creed, national origin, ancestry, sexual orientation, gender identity or expression or occupation prohibited.
687B.400
Discrimination on sole basis of age prohibited
687B.402
Compliance with certain federal laws regarding genetic information.
687B.404
Compliance with certain federal laws regarding mental health and addiction.
687B.406
Compliance with certain federal laws regarding dependent students.
687B.407
Authority of nonprofit health benefit plan regarding prescription drugs.
687B.408
Notifications required concerning changes related to prescription drugs used for transplanted organs.
687B.409
Payments to out-of-network providers for treatment of mental health or alcohol or substance use disorder.
687B.410
Withdrawal of insurance for particular class of insureds: Notice
687B.420
Notice of proposed cancellation, nonrenewal or alteration of terms of certain policies, contracts or plans of insurance.
687B.430
Regulations: Policies which provide for payment of expenses not covered by Medicare
687B.440
Umbrella policies: Disclosure statement indicating whether policy includes uninsured or underinsured motorist coverage
687B.450
Required medical examination
687B.460
Certificates of insurance for property or casualty insurance.
687B.4095
Policies of health insurance including prescription drug coverage: Restrictions on moving prescription drug from lower-cost tier to higher-cost tier.
Last Updated

Feb. 5, 2021

§ 687B.120’s source at nv​.us