58-51-16. Intoxicants and narcotics.
(a) Except for the payment of benefits for the necessary care and treatment of chemical dependency as provided by law, an accident and health insurer shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.
(b) The provision in subsection (a) of this section may not be used with respect to a medical expense policy.
(c) For purposes of this section, "medical expense policy" means an accident and health insurance policy that provides hospital, medical, and surgical expense coverage. (2001-334, s. 4.2.)
Structure North Carolina General Statutes
North Carolina General Statutes
Article 51 - Nature of Policies.
§ 58-51-1 - Form, classification and rates to be approved by Commissioner.
§ 58-51-10 - Right to return policy and have premium refunded.
§ 58-51-15 - Accident and health policy provisions.
§ 58-51-16 - Intoxicants and narcotics.
§ 58-51-17 - Portability for accident and health insurance.
§ 58-51-30 - Policies to cover newborn infants, foster children, and adopted children.
§ 58-51-37 - Pharmacy of choice.
§ 58-51-37.1 - Lock-in program for certain controlled substances.
§ 58-51-38 - Direct access to obstetrician-gynecologists.
§ 58-51-50 - Coverage for chemical dependency treatment.
§ 58-51-55 - No discrimination against mentally ill or chemically dependent individuals.
§ 58-51-57 - Coverage for mammograms and cervical cancer screening.
§ 58-51-58 - Coverage for prostate-specific antigen (PSA) tests.
§ 58-51-59 - Coverage of certain prescribed drugs for cancer treatment.
§ 58-51-60 - Meaning of term "preexisting conditions" in certain policies.
§ 58-51-61 - Coverage for certain treatment for diabetes.
§ 58-51-62 - Coverage for reconstructive breast surgery following mastectomy.
§ 58-51-63 - Coverage for abortions not allowed in plans offered through Exchange.
§ 58-51-65 - Industrial sick benefit insurance defined.
§ 58-51-70 - Industrial sick benefit insurance; provisions.
§ 58-51-75 - Blanket accident and health insurance defined.
§ 58-51-80 - Group accident and health insurance defined.
§ 58-51-81 - Group accident and health insurance for public school students.
§ 58-51-85 - Group or blanket accident and health insurance; approval of forms and filing of rates.
§ 58-51-90 - Definition of franchise accident and health insurance.
§ 58-51-95 - Approval by Commissioner of forms, classification and rates; hearing; exceptions.
§ 58-51-100 - Credit accident and health insurance.
§ 58-51-105 - Hospitalization insurance defined.
§ 58-51-110 - Renewal, discontinuance, or replacement of group health insurance.
§ 58-51-115 - Coordination of benefits with Medicaid.
§ 58-51-116 - ERISA plans may not require Medicaid to pay first.
§ 58-51-120 - Coverage of children.
§ 58-51-125 - Adopted child coverage.
§ 58-51-130 - Standards for disability income insurance policies.