§ 26.1-36-09.10 — Health insurance policy and health service contract - Prehospital emergency medical services

North Dakota § 26.1-36-09.10

• Jurisdiction: North Dakota
• Title 26.1: Insurance
• Ch. 26.1-36: Accident and Health Insurance

Text

emergency medical services.
1. In this section, unless the context or subject matter otherwise requires:
a. "Emergency medical condition" means a medical condition that manifests itself by
symptoms of sufficient severity which may include severe pain and that a prudent
layperson who possesses an average knowledge of health and medicine could
reasonably expect the absence of medical attention to result in placing the
person's health in jeopardy, serious impairment of a bodily function, or serious
dysfunction of any body part.

b. "Prehospital emergency medical services" means a service or its personnel either
licensed under chapter 23-27 or certified by the department of health and human
services.
2. An insurance company, nonprofit health service corporation, or health maintenance
organization may not deliver, issue, execute, or renew any health insurance policy,
health service contract, or evidence of coverage that provides prehospital emergency
medical services benefits on an individual, group, blanket, franchise, or association
basis unless the policy, contract, or evidence of coverage provides prehospital
emergency medical services benefits in the case of an emergency medical condition.
3. The coverage required under this section does not require coverage in excess of
policy aggregate limits or internal policy limits dealing specifically with prehospital
emergency medical services.
4. This section does not prevent an insurance company, nonprofit health service
corporation, or health maintenance organization from imposing deductibles,
coinsurance, or other cost sharing in relation to benefits for prehospital emergency
medical services.