Nevada Insurance

Sec. § 689B.287
Insurer prohibited from denying coverage solely because insured was intoxicated or under influence of controlled substance; exceptions.


1.

Except as otherwise provided in subsection 2, an insurer shall not:

(a)

Deny a claim under a policy of group health insurance solely because the claim involves an injury sustained by an insured as a consequence of being intoxicated or under the influence of a controlled substance.

(b)

Cancel a policy of group health insurance solely because an insured has made a claim involving an injury sustained by the insured as a consequence of being intoxicated or under the influence of a controlled substance.

(c)

Refuse to issue a policy of group health insurance to an eligible applicant solely because the applicant has made a claim involving an injury sustained by the applicant as a consequence of being intoxicated or under the influence of a controlled substance.

2.

The provisions of subsection 1 do not prohibit an insurer from enforcing a provision included in a policy of group health insurance to:

(a)

Deny a claim which involves an injury to which a contributing cause was the insured’s commission of or attempt to commit a felony;

(b)

Cancel a policy of group health insurance solely because of such a claim; or

(c)

Refuse to issue a policy of group health insurance to an eligible applicant solely because of such a claim.

3.

The provisions of this section do not apply to an insurer under a policy of group health insurance that provides coverage for long-term care or disability income.
ELIGIBILITY FOR COVERAGE UNDER GROUP POLICY
Source

Last accessed
Feb. 5, 2021