Individual Health Insurance (required and optional policy provisions, disability coverage, mandated benefits)

What this document is

NRS Chapter 689A - Individual Health Insurance (required and optional policy provisions, disability coverage, mandated benefits) 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 ch. 689A § 689A.050 (Entire contract; changes)

  “Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. 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...”

• NRS ch. 689A § 689A.060 subsection 2 (Time limit on certain defenses)

  “2. No claim for loss incurred or disability (as defined in the policy) commencing after 3 years from the date of issue of this policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of...”

• NRS ch. 689A § 689A.090 (Notice of claim)

  “Notice of Claim: Written notice of claim must be given to the insurer within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible.”

• NRS ch. 689A § 689A.110 (Claim forms: Proofs of loss)

  “Proofs of Loss: Written proof of loss must be furnished to the insurer at its office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within 90 days after the termination of the period for which the insurer is liable and in case of claim...”

• NRS ch. 689A § 689A.120 (Time of payment of claims)

  “Time of Payment of Claims: Indemnities payable under this policy for any loss, other than loss for which this policy provides any periodic payment, will be paid immediately upon receipt of due written proof of such loss.”

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Questions about this source

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 Chapter 689A - Individual Health Insurance (Secs. 689A.010-689A.755 complete)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 687B - Contracts of Insurance (formation, policy forms, cancellation and nonrenewal, claims, provisions applicable to all insurers)State statute