NRS Chapter 689A, Secs. 689A.010-689A.755 complete: Individual Health Insurance

What this document is

NRS Chapter 689A - Individual Health Insurance (Secs. 689A.010-689A.755 complete) is a state statute published by Nevada Legislature (leg.state.nv.us). It is one of the Nevada documents that insurance license exam questions are written from, including nevada life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• NRS Chapter 689A § 689A.050 (Entire Contract; Changes)

  “No change in this policy shall be valid until approved by an executive officer of the insurer and unless such approval is endorsed hereon or attached hereto. No agent has authority to change this policy or to waive any of its provisions.”

• NRS Chapter 689A § 689A.060(1) (alternative Incontestable clause)

  “A policy which the insured has the right to continue in force subject to its terms by the timely payment of the premium until at least age 50 or, in the case of a policy issued after age 44, for at least 5 years from its date of issue, may contain in lieu of the foregoing the following provision...”

• NRS Chapter 689A § 689A.160 (Change of Beneficiary)

  “Unless the insured makes an irrevocable designation of beneficiary, the right to change of beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any change of beneficiary or beneficiaries, or...”

• NRS Chapter 689A § 689A.200 (Change of Occupation, less hazardous classification)

  “If the insured changes his or her occupation to one classified by the insurer as less hazardous than that stated in this policy, the insurer, upon receipt of proof of such change of occupation, will reduce the premium rate accordingly, and will return the excess pro rata unearned premium from the...”

• NRS Chapter 689A § 689A.200 (Change of Occupation, more hazardous classification)

  “If the insured be injured or contracts sickness after having changed his or her occupation to one classified by the insurer as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the insurer will pay only such portion of...”

• NRS Chapter 689A § 689A.020 (Scope: Coverage To Which Chapter Does Not Apply)

  “Nothing in this chapter applies to or affects: 1. Any policy of liability or workers’ compensation insurance with or without supplementary expense coverage therein. 2. Any group or blanket policy.”

• NRS Chapter 689A § 689A.100 (Claim Forms)

  “The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the claimant shall be deemed to have complied with the requirements of...”

• NRS Chapter 689A § 689A.130(1) (Payment of Claims: beneficiary designation)

  “Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the insured.”

• NRS Chapter 689A § 689A.130(2) (Payment of Claims: direct payment to providers)

  “Subject to any written direction of the insured in the application or otherwise all or a portion of any indemnities provided by this policy on account of hospital, nursing, medical or surgical services may, at the insurer’s option and unless the insured requests otherwise in writing not later than...”

• NRS Chapter 689A § 689A.130(2) (Payment of Claims: facility of payment)

  “If any indemnity of this policy shall be payable to the estate of the insured, or to an insured or beneficiary who is a minor or otherwise not competent to give a valid release, the insurer may pay such indemnity, up to an amount not exceeding $..... (insert an amount which shall not exceed...”

• NRS Chapter 689A § 689A.070 (Required Grace Period Provision)

  “There shall be a provision as follows: Grace Period: A grace period of ..... (insert a number not less than “7” for weekly premium policies, “10” for monthly premium policies and “31” for all other policies) days will be granted for the payment of each premium falling due after the first premium,...”

• NRS Chapter 689A § 689A.070 (Nonrenewal Preamble to Grace Period Provision)

  “A policy in which the insurer reserves the right to refuse any renewal shall have, at the beginning of the above provision: Unless not less than 30 days prior to the premium due date the company has delivered to the insured or has mailed to the last address of the insured as shown by the records of...”

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More Nevada sources

• NRS Chapter 686A - Trade Practices and Frauds (Secs. 686A.010-686A.730 complete, including 686A.130 rebates and 686A.310 unfair claim settlement practices)State statute
• NRS Chapters 679A and 679B - Insurance Code General Provisions and Commissioner of Insurance (scope, definitions, Commissioner's powers, examinations, hearings, fraud investigations)State statute
• NRS Chapters 689B and 689C - Group and Blanket Health Insurance and Health Insurance for Small EmployersState statute
• NRS Chapter 688B - Group Life Insurance (Group Life Insurance Law: required provisions, grace period, incontestability, conversion)State statute
• NRS Chapter 686C - Nevada Life and Health Insurance Guaranty Association (coverage, benefit limits, assessments, prohibited advertising)State statute
• NRS Chapters 695B and 695C - Nonprofit Corporations for Hospital, Medical and Dental Service, and Health Maintenance OrganizationsState statute
• NRS Chapter 689A - Individual Health Insurance (required and optional policy provisions, disability coverage, mandated benefits)State statute
• NRS Chapter 687B - Contracts of Insurance (formation, policy forms, cancellation and nonrenewal, claims, provisions applicable to all insurers)State statute