Nevada § 695A.197 Society prohibited from denying coverage solely because applicant or insured was intoxicated or under the influence of controlled substance; exceptions

Nevada Statutes

§ 695A.197 — Society prohibited from denying coverage solely because applicant or insured was intoxicated or under the influence of controlled substance; exceptions

Nevada § 695A.197

Title 57INSURANCE

Ch. 695AFraternal

This text of Nevada § 695A.197 (Society prohibited from denying coverage solely because applicant or insured was intoxicated or under the influence of controlled substance; exceptions) is published on Counsel Stack Legal Research, covering Nevada primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Nev. Rev. Stat. § 695A.197 (2026).

Text

1. Except as otherwise provided in subsection 2, a society that provides health benefits shall not:

(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.

(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.

(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. 2. The provisions of subsection 1 do not prohibit a

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1. Except as otherwise provided in subsection 2, a society that provides health benefits shall not:
(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.
(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.
(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.
2. The provisions of subsection 1 do not prohibit a society from enforcing a provision included in a benefit contract 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 benefit contract solely because of such a claim; or
(c) Refuse to issue a benefit contract to an eligible applicant solely because of such a claim.
3. 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.