Nevada Revised Statutes
Chapter 687B - Contracts of Insurance
NRS 687B.140 - Standard provisions.


1. Insurance contracts shall contain such standard or uniform provisions as are required by the applicable provisions of this Code pertaining to contracts of particular kinds of insurance. The Commissioner may waive the required use of a particular provision in a particular insurance policy form if:
(a) The Commissioner finds such provision unnecessary for or unrelated to the protection of the insured and inconsistent with the purposes of the policy; and
(b) The policy is otherwise approved by the Commissioner.
2. No policy shall contain any provision inconsistent with or contradictory to any standard or uniform provision used or required to be used, but the Commissioner may approve any substitute provision which is, in the opinion of the Commissioner, not less favorable in any particular to the insured, owner or beneficiary than the provisions otherwise required.
3. In lieu of the provisions required by this Code for contracts for particular kinds of insurance, substantially similar provisions required by the law of the domicile of a foreign or alien insurer may be used when approved by the Commissioner.
4. A policy issued by a domestic insurer for delivery in another jurisdiction may contain any provision required or permitted by the laws of such jurisdiction.
(Added to NRS by 1971, 1718)

<< Previous
Next >>

Structure Nevada Revised Statutes

Nevada Revised Statutes

Chapter 687B - Contracts of Insurance

NRS 687B.010 - Scope.

NRS 687B.015 - "Binder" defined.

NRS 687B.021 - Signatures.

NRS 687B.030 - Waiver of payment of premium.

NRS 687B.040 - Insurable interest: Personal insurance.

NRS 687B.050 - Insurable interest: Exception when certain institutions designated beneficiary.

NRS 687B.060 - Insurable interest: Property.

NRS 687B.070 - Power to contract; purchase of insurance and annuities by minors.

NRS 687B.080 - Consent of insured to life or health insurance required; exceptions; notice of application for or request to increase coverage of insurance upon life of another required.

NRS 687B.090 - Alteration of application: Life and health insurance.

NRS 687B.100 - Application as evidence.

NRS 687B.110 - Representations in applications.

NRS 687B.113 - Control of cost of health care: Provisions encouraging use of certain services and facilities.

NRS 687B.117 - Control of cost of health care: Insurer required to use three or more practices that control cost in administering benefits.

NRS 687B.120 - Filing and approval of forms; exemption; appeal of disapproval or withdrawal of previous approval.

NRS 687B.122 - Readability of policies: Applicability of requirements.

NRS 687B.124 - Readability of policies: Flesch test; type size, style, arrangement and overall appearance; index or table of contents; scoring riders or other forms separately.

NRS 687B.126 - Readability of policies: Filing policy for Commissioner’s approval; exceptions to score requirements on Flesch test.

NRS 687B.128 - Readability of policies: Required approval by Commissioner in certain circumstances.

NRS 687B.130 - Grounds for disapproval or withdrawal of previous approval.

NRS 687B.140 - Standard provisions.

NRS 687B.145 - Provisions in policies of casualty insurance: Proration of recovery or benefits; uninsured and underinsured vehicle coverage; coverage for medical expenses; insurer not entitled to subrogation upon payment made because of underinsured...

NRS 687B.147 - Exclusion, reduction or limitation of certain coverage in motor vehicle insurance policies allowed; conditions; form and contents of disclosure.

NRS 687B.150 - Requirement for making any portion of charter, bylaws or certain other documents of insurer part of contract.

NRS 687B.160 - Execution of policies.

NRS 687B.170 - Underwriters’ and combination policies.

NRS 687B.180 - Validity and construction of noncomplying forms.

NRS 687B.182 - Binders: Issuance; period of effectiveness.

NRS 687B.183 - Binders: Forms; required statement related to certain policies; delivery of copies.

NRS 687B.184 - Binders: Limits of coverage, effective date and premium for policy issued as replacement.

NRS 687B.185 - Binders: Prohibition of use to lower premiums.

NRS 687B.186 - Binders: Proof of insurance coverage; penalties for refusal to accept; exception.

NRS 687B.187 - Binders: Disapproval of insurer.

NRS 687B.190 - Delivery of policy covering motor vehicle: Vendor, mortgagee or pledgee required to deliver duplicate to vendee, mortgagor or pledgor; stamped statement regarding certain lack of coverage; exception.

NRS 687B.200 - Assignability: Life or health insurance policy.

NRS 687B.210 - Payment under life or health insurance policy or annuity contract discharges insurer from claims under policy or contract; exception.

NRS 687B.220 - Forms for proof of loss required to be furnished by insurer to insured claimant.

NRS 687B.225 - Requirements for contracts for payment of cost of medical or dental care which require prior authorization of care.

NRS 687B.240 - Administration of claims not waiver.

NRS 687B.250 - Payment not to constitute admission of liability or waiver of defenses.

NRS 687B.255 - Insurer required to pay claim with negotiable instrument.

NRS 687B.260 - Exemption of proceeds of certain policies.

NRS 687B.270 - Exemption of proceeds: Health insurance.

NRS 687B.280 - Exemption of proceeds: Group insurance.

NRS 687B.290 - Exemption of proceeds: Annuities; assignability of rights.

NRS 687B.300 - Retention of proceeds of policy by insurer.

NRS 687B.310 - Cancellations and nonrenewals; scope of application.

NRS 687B.320 - Policies other than industrial insurance policies: Grounds for midterm cancellation; notice to policyholder.

NRS 687B.325 - Industrial insurance policies: Grounds for midterm cancellation; notice to policyholder; provisions do not prohibit change in premium rate; terms of certain policies.

NRS 687B.330 - Anniversary cancellation.

NRS 687B.340 - Nonrenewals.

NRS 687B.345 - Annual review of coverage and benefits provided in policy.

NRS 687B.350 - Renewal with change in policy or coverage provisions without certain notice to insured prohibited; exceptions.

NRS 687B.352 - Open enrollment period for Medicare supplemental policies required; prohibited acts; notice. [Effective January 1, 2022.]

NRS 687B.355 - Insurer required to provide to policyholder information about claims paid on behalf of policyholder; fee; regulations.

NRS 687B.360 - Notice of cancellation or nonrenewal: Insurer required to provide to policyholder information about grounds upon request; notice ineffective unless contains information about right of policyholder to make such a request.

NRS 687B.370 - Certain notice ineffective unless contains information about applying for insurance through certain plans.

NRS 687B.380 - Immunity.

NRS 687B.383 - Refusal to issue, cancellation of, nonrenewal of or increase in premium or rate for certain policies solely on basis of breed of dog prohibited; exception; permissible inquiry by insurer regarding dog. [Effective January 1, 2022.]

NRS 687B.385 - Refusal to issue, cancellation, nonrenewal or increase in premium of policy of motor vehicle insurance due to claims for which insured was not at fault, claims for which insurer made no payment or recovered entirety of payment or inqui...

NRS 687B.390 - Cancellation or nonrenewal of automobile liability insurance policy on sole basis of age, residence, race, color, creed, national origin, ancestry, sexual orientation, gender identity or expression or occupation of insured prohibited.

NRS 687B.400 - Refusal to issue, reduction of liability limits of or increase in premium of automobile liability insurance policy on sole basis of reaching certain age prohibited; burden of proof; cost of medical examination; exception.

NRS 687B.402 - Compliance of certain insurers or organizations providing health coverage with certain federal laws regarding genetic information.

NRS 687B.404 - Compliance of certain insurers or organizations providing health coverage with certain federal laws regarding mental health and addiction. [Effective through December 31, 2021.] Adherence by insurer or organization providing health cov...

NRS 687B.406 - Compliance of certain insurers or organizations providing health coverage with certain federal laws regarding dependent students.

NRS 687B.407 - Authority of nonprofit health benefit plan to use list of preferred prescription drugs developed by Department of Health and Human Services as formulary and obtain such drugs through purchasing agreements negotiated by Department; noti...

NRS 687B.408 - Insurer that issues certain policies of health insurance required to notify insured and physician before effective date of changes related to prescription drugs used for transplanted organs.

NRS 687B.409 - Payments to out-of-network providers for treatment of mental health or alcohol or substance use disorder; assignment of benefits.

NRS 687B.4095 - Policies of health insurance including prescription drug coverage: Restrictions on moving prescription drug from lower-cost tier to higher-cost tier.

NRS 687B.410 - Withdrawal of provision of insurance for particular class of insureds: Notice to Commissioner; administrative review upon request from insured.

NRS 687B.420 - Notice of proposed cancellation, nonrenewal or alteration of terms of certain policies, contracts or plans of insurance.

NRS 687B.430 - Regulations: Form, content and sale of policies which provide for payment of expenses not covered by Medicare; sale of more than one policy of health insurance to same person.

NRS 687B.440 - Umbrella policies: Requirement of signed disclosure statement from individual indicating whether policy includes uninsured or underinsured motorist coverage; form.

NRS 687B.450 - Required medical examination of applicant or insured: Duty of insurer to provide notification of potentially serious medical condition; exception; regulations.

NRS 687B.460 - Certificates of insurance for property or casualty insurance: Not part of, amend any term of or alter or expand coverage, exclusion or condition of contract or policy.

NRS 687B.470 - "Health benefit plan" defined.

NRS 687B.480 - Required manner of availability; required notice related to Silver State Health Insurance Exchange in certain circumstances; regulations.

NRS 687B.490 - Requirements for carrier offering coverage in small employer group or individual market: Demonstration of capacity to adequately deliver services by applying to Commissioner for issuance of network plan and submission of information; d...

NRS 687B.500 - Basis for premium rate; exceptions.

NRS 687B.600 - Definitions.

NRS 687B.602 - "Administrator" defined.

NRS 687B.605 - "Covered person" defined.

NRS 687B.606 - "Dental care" defined.

NRS 687B.607 - "Direct notification" defined.

NRS 687B.610 - "Evidence of coverage" defined.

NRS 687B.615 - "Health benefit plan" defined.

NRS 687B.620 - "Health care services" defined.

NRS 687B.625 - "Health carrier" defined.

NRS 687B.630 - "Intermediary" defined.

NRS 687B.635 - "Medically necessary" defined.

NRS 687B.640 - "Network" defined.

NRS 687B.645 - "Network plan" defined.

NRS 687B.650 - "Participating provider of health care" defined.

NRS 687B.655 - "Primary care physician" defined.

NRS 687B.658 - "Provider network contract" defined.

NRS 687B.660 - "Provider of health care" defined.

NRS 687B.664 - "Third party" defined.

NRS 687B.665 - "Utilization review" defined.

NRS 687B.670 - Requirements to offer or issue network plan.

NRS 687B.675 - Provision of information to Office for Consumer Health Assistance.

NRS 687B.680 - Health carrier required to establish mechanism for ongoing notification of participating providers of health care of services covered by network plan and for which provider is responsible.

NRS 687B.690 - Required provisions in contract between participating provider of health care and health carrier.

NRS 687B.693 - Access to services and contractual discounts of a provider of health care: Inapplicability of provisions.

NRS 687B.694 - Access to services and contractual discounts of a provider of health care: Requirements for granting access; termination; confidentiality.

NRS 687B.695 - Access to services and contractual discounts of a provider of health care: Obligations of third party that grants access to another third party.

NRS 687B.696 - Access to services and contractual discounts of a provider of health care: Information required to be provided to health carrier and providers of health care by third parties; update of information.

NRS 687B.697 - Access to services and contractual discounts of a provider of health care: Obligations of health carrier and third parties concerning remittance advice or explanation of payment; refusal of discount taken on such advice or explanation...

NRS 687B.700 - Contract required to provide requirement that participating provider of health care continue delivery of services if health carrier or intermediary insolvent or ceases operations for specified period; billing of covered person.

NRS 687B.710 - Certain provisions included in contract required to be construed in favor of covered person, survive termination of contract and supersede certain contrary agreements.

NRS 687B.720 - Contract required to provide for notice of insolvency or cessation of operations of health carrier or intermediary to participating provider of health care.

NRS 687B.723 - Claim for dental care: Health carrier or administrator of health benefit plan prohibited from denying claim for which prior authorization has been granted; exceptions.

NRS 687B.725 - Claim for dental care: Requirements and limitations related to recovery of overpayments.

NRS 687B.730 - Health carrier required to notify participating provider of health care of administrative policies and programs of carrier.

NRS 687B.740 - Inducement to provide less than medically necessary health care services prohibited.

NRS 687B.750 - Health carrier not to prohibit certain actions by participating provider of health care.

NRS 687B.760 - Health records; confidentiality.

NRS 687B.770 - Assignment or delegation of rights and responsibilities without prior written consent prohibited.

NRS 687B.780 - Health carrier required to ensure that participating providers of health care furnish covered services to all covered persons; exception.

NRS 687B.790 - Health carrier required to notify participating providers of health care of obligation to collect coinsurance, copayment or deductible or notify covered person of obligation for services not covered.

NRS 687B.800 - Retaliation for good faith reporting to state or federal authority prohibited.

NRS 687B.810 - Health carrier required to establish mechanism to allow participating provider of health care to determine whether a person is a covered person or within grace period for payment of premium.

NRS 687B.820 - Procedures for resolution of disputes.

NRS 687B.830 - Contract for purposes of network plan prohibited from conflicting with network plan or law; notice of provisions and incorporated documents; notice of changes.

NRS 687B.840 - Health carrier required to inform participating provider of health care of status and inclusion on certain lists maintained by health carrier upon request or change in such status or inclusion.

NRS 687B.850 - Regulations.

NRS 687B.860 - Definitions.

NRS 687B.862 - "Attachment point" defined.

NRS 687B.864 - "Group health plan" defined.

NRS 687B.866 - "Health care services" defined.

NRS 687B.868 - "Multiple employer welfare arrangement" defined.

NRS 687B.870 - "Network" defined.

NRS 687B.872 - "Policy of provider stop-loss insurance" defined.

NRS 687B.874 - "Policy of stop-loss insurance" defined.

NRS 687B.876 - "Provider of health care" defined.

NRS 687B.878 - Reporting of premiums written in this State for policies of stop-loss insurance.

NRS 687B.880 - Exercise of reasonable diligence related to legitimacy and authority required before issuing policy of stop-loss insurance for group health plan.

NRS 687B.882 - Policy form for policy of stop-loss insurance for group health plan: Filing; approval; requirements.

NRS 687B.884 - Policy form for policy of provider stop-loss insurance: Filing; approval; requirements; accompanying certification.