There may be a provision as follows:
“Intoxicants and Narcotics: The insurer shall not be liable for a loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of a narcotic unless administered on the advice of a physician.”
Structure Alaska Statutes
Chapter 51. Health Insurance Policies
Sec. 21.51.010. Applicability.
Sec. 21.51.020. Scope, format of policy.
Sec. 21.51.030. Required provisions.
Sec. 21.51.040. Entire contract.
Sec. 21.51.050. Time limit on certain defenses.
Sec. 21.51.070. Reinstatement.
Sec. 21.51.080. Notice of claim.
Sec. 21.51.100. Proofs of loss.
Sec. 21.51.120. Payment of claims.
Sec. 21.51.130. Physical examination, autopsy.
Sec. 21.51.140. Legal actions.
Sec. 21.51.150. Change of beneficiary.
Sec. 21.51.160. Optional policy provisions.
Sec. 21.51.170. Change of occupation.
Sec. 21.51.180. Misstatement of age.
Sec. 21.51.190. Other insurance in this insurer.
Sec. 21.51.220. Relation of earnings to insurance.
Sec. 21.51.230. Unpaid premiums.
Sec. 21.51.240. Conformity with state statutes.
Sec. 21.51.250. Illegal occupation.
Sec. 21.51.260. Intoxicants and narcotics.
Sec. 21.51.270. Renewal at option of insurer.
Sec. 21.51.280. Order of certain provisions.
Sec. 21.51.290. Third-party ownership.
Sec. 21.51.300. Requirement of other jurisdictions.
Sec. 21.51.310. Conforming to statute.
Sec. 21.51.330. Franchise health insurance.
Sec. 21.51.400. Renewability and certification.