NRS 689A.415 - Insurer prohibited from denying coverage solely because insured was intoxicated or under influence of controlled substance; exceptions.

NV Rev Stat § 689A.415 (2019) (N/A)

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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

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.

(Added to NRS by 2005, 2343; A 2007, 84)

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