{"data":{"id":"us-nv/nrs-695a.197","jurisdiction":"us-nv","citation":"NRS 695A.197","heading":"Society prohibited from denying coverage solely because applicant or insured was intoxicated or under the influence of controlled substance; exceptions.","body":"1. Except as otherwise provided in subsection 2, a society that provides health benefits shall not:\n(a) Deny a claim under a benefit contract 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 benefit contract 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 benefit contract 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 a society from enforcing a provision included in a benefit contract 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 benefit contract solely because of such a claim; or\n(c) Refuse to issue a benefit contract to an eligible applicant solely because of such a claim.\n3. The provisions of this section do not apply to a society under a benefit contract that provides coverage for long-term care or disability income.","path":["TITLE 57 — INSURANCE","CHAPTER 695A - FRATERNAL BENEFIT SOCIETIES"],"source_url":"https://www.leg.state.nv.us/NRS/NRS-695A.html#NRS695ASec197","current_through":"2025 session (NRS as revised 2026-08-25)","vintage":"","retrieved_at":"2026-09-03T05:51:46Z","sha256":"390404747d22f34808981630efcdf260f149559e8b6c7c495257ac8eb2167ec1","source_id":"us-nv","stale":true,"prev":"us-nv/nrs-695a.195","next":"us-nv/nrs-695a.198"},"notice":"GroundRules: Original legal text. Not legal advice."}