NRS 689A.415
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 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 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 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 health insurance pursuant to NRS 689A.270 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 health insurance solely because of such a claim; or

(c)

Refuse to issue a policy of 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 health insurance that provides coverage for long-term care or disability income.

Source: Section 689A.415 — Insurer prohibited from denying coverage solely because insured was intoxicated or under influence of controlled substance; exceptions., https://www.­leg.­state.­nv.­us/NRS/NRS-689A.­html#NRS689ASec415.

689A.050
Entire contract 689A.060
Time limit on certain defenses. 689A.070
Grace period. 689A.075
Cancellation and rescission of short-term limited duration medical plan. 689A.080
Reinstatement. 689A.090
Notice of claim. 689A.100
Claim forms: Required provision. 689A.105
Claim forms: Uniform billing, claims forms. 689A.110
Claim forms: Acceptance of uniform forms. 689A.120
Time of payment of claims. 689A.130
Payment of claims. 689A.135
Assignment of benefits to provider of health care. 689A.140
Physical examination and autopsy. 689A.150
Legal actions. 689A.160
Change of beneficiary. 689A.170
Right to examine and return policy. 689A.180
Optional provisions. 689A.190
Extended disability benefit. 689A.200
Change of occupation. 689A.210
Misstatement of age. 689A.220
Coordination of benefits: Same insurer. 689A.230
Coordination of benefits: All coverages. 689A.240
Relation of earnings to insurance. 689A.250
Unpaid premiums. 689A.260
Conformity with state statutes. 689A.270
Illegal occupation. 689A.290
Renewability. 689A.300
Order of certain provisions. 689A.310
Ownership of policy by person other than insured. 689A.320
Requirements of other jurisdictions. 689A.330
Policies issued for delivery in another state. 689A.340
Limitation on provisions not subject to chapter 689A.350
Age limit. 689A.380
Definitions of terms used in policies. 689A.390
Summary of coverage: Contents of disclosure 689A.400
Summary of coverage: Copy to be provided before policy issued 689A.405
Coverage for prescription drugs: Provision of notice and information regarding use of formulary. 689A.410
Approval or denial of claims 689A.413
Insurer prohibited from denying coverage solely because person was victim of domestic violence. 689A.415
Insurer prohibited from denying coverage solely because insured was intoxicated or under influence of controlled substance 689A.417
Insurer prohibited from requiring or using information concerning genetic testing 689A.419
Offering policy of health insurance for purposes of establishing health savings account.
Last Updated

Jun. 24, 2021

§ 689A.415’s source at nv​.us