NRS689B.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.

      (Added to NRS by 2005, 2344; A 2007, 84)