{"data":{"id":"us-nv/nrs-689a.415","jurisdiction":"us-nv","citation":"NRS 689A.415","heading":"Insurer prohibited from denying coverage solely because applicant or insured was intoxicated or under influence of controlled substance; exceptions.","body":"1. Except as otherwise provided in subsection 2, an insurer shall not:\n(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.\n(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.\n(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.\n2. 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:\n(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;\n(b) Cancel a policy of health insurance solely because of such a claim; or\n(c) Refuse to issue a policy of health insurance to an eligible applicant solely because of such a claim.\n3. 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.","path":["TITLE 57 — INSURANCE","CHAPTER 689A - INDIVIDUAL HEALTH INSURANCE","MISCELLANEOUS PROVISIONS"],"source_url":"https://www.leg.state.nv.us/NRS/NRS-689A.html#NRS689ASec415","current_through":"2025 session (NRS as revised 2026-08-25)","vintage":"","retrieved_at":"2026-09-03T05:51:46Z","sha256":"ff45b9a57801d0782c1c80a0f7c07fb244aa5db3e66c9f4ac94f61ad2d37a8fd","source_id":"us-nv","stale":false,"prev":"us-nv/nrs-689a.413","next":"us-nv/nrs-689a.417"},"notice":"GroundRules: Original legal text. Not legal advice."}