689B.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.
689B.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.
689B.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.
