Nev. Rev. Stat. § 688A.290 — NV Code / Title 57 / Chapter 688A / Section 688A.290
Short title; applicability; required provisions
Status: in_force

1. NRS 688A.290 to 688A.360 , inclusive, shall be known as the Standard Nonforfeiture Law. Except as provided in NRS 688A.330 and 688A.340 , NRS 688A.290 to 688A.360 , inclusive, apply to policies of life insurance issued on and after January 1, 1962, unless the Commissioner deferred such application to a date not later than January 1, 1964, with respect to an insurer for good cause shown.

2. In the case of policies issued on or after the date NRS 688A.290 to 688A.360 , inclusive, became applicable as defined in subsection 1, no policy of life insurance, except as stated in NRS 688A.360 , may be issued for delivery or delivered in this state unless it contains in substance the following provisions, or corresponding provisions which in the opinion of the Commissioner are at least as favorable to the defaulting or surrendering policyholder as those required by this section and NRS 688A.305 : (a) In the event of default in any premium payment, the insurer will grant, upon proper request made not later than 60 days after the due date of the premium in default, a paid-up nonforfeiture benefit on a plan stipulated in the policy, effective as of such due date, of the amount specified in NRS 688A.290 to 688A.360 , inclusive. In lieu of the stipulated paid-up nonforfeiture benefit, the insurer may substitute, upon proper request not later than 60 days after the due date of the premium in default, an actuarially equivalent alternative paid-up nonforfeiture benefit which provides a greater amount or longer period of death benefits or, if applicable, a greater amount or earlier payment of endowment benefits. (b) Upon surrender of the policy within 60 days after the due date of any premium payment in default after premiums have been paid for at least 3 full years in the case of ordinary insurance or 5 full years in the case of industrial insurance, the insurer will pay, in lieu of any paid-up nonforfeiture benefit, a cash surrender value of the amount specified in NRS 688A.290 to 688A.360 , inclusive. (c) A specified paid-up nonforfeiture benefit must become effective as specified in the policy unless the person entitled to make an election elects another available option not later than 60 days after the due date of the premium in default. (d) If the policy has become paid up by completion of all premium payments or if it is continued under any paid-up nonforfeiture benefit which became effective on or after the third policy anniversary in the case of ordinary insurance or the fifth policy anniversary in the case of industrial insurance, the insurer will pay, upon surrender of the policy within 30 days after any policy anniversary, a cash surrender value of the amount specified in NRS 688A.290 to 688A.360 , inclusive. (e) In the case of policies which cause, on a basis guaranteed in the policy, unscheduled changes in benefits or premiums, or which provide an option for changes in benefits or premiums other than a change to a new policy, a statement of the mortality table, interest rate, and method used in calculating cash surrender values and the paid-up nonforfeiture benefits available under the policy. In the case of all other policies, a statement of the mortality table and interest rate used in calculating the cash surrender values and the paid-up nonforfeiture benefits available under the policy, together with a table showing the cash surrender value, if any, and paid-up nonforfeiture benefit, if any, available under the policy on each policy anniversary either during the first 20 policy years or during the term of the policy, whichever is shorter. Such values and benefits must be calculated upon the assumption that there are no dividends or paid-up additions credited to the policy and that there is no indebtedness to the insurer on the policy. (f) A statement that the cash surrender values and the paid-up nonforfeiture benefits available under the policy are not less than the minimum values and benefits required by or pursuant to the insurance law of the state in which the policy is delivered, and an explanation of the manner in which the cash surrender values and the paid-up nonforfeiture benefits are altered by the existence of any paid-up additions credited to the policy or any indebtedness to the insurer on the policy. (g) If a detailed statement of the method of computation of the values and benefits shown in the policy is not stated therein, a statement that the method of computation has been filed with the insurance supervisory officer of the state in which the policy is delivered. (h) A statement of the method to be used in calculating the cash surrender value and paid-up nonforfeiture benefit available under the policy on any policy anniversary beyond the last anniversary for which such values and benefits are consecutively shown in the policy.

3. Any of the provisions required by subsection 2 which are not applicable by reason of the plan of insurance may, to the extent inapplicable, be omitted from the policy.

4. Each insurer shall reserve the right to defer the payment of any cash surrender value for a period of 6 months after demand therefor with surrender of the policy.
Nev. Rev. Stat. § 695D.310 — NV Code / Title 57 / Chapter 695D / Section 695D.310
Disciplinary or other action: Notice; hearing; order
Status: in_force

1. If the Commissioner believes that grounds for denying a certificate of authority or for suspending or revoking a certificate exist, the Commissioner shall notify the organization for dental care in writing, specifying the grounds for the denial, suspension or revocation and fix a time for a hearing on the matter within 30 days after the notice.

2. After the hearing or upon the failure of the organization to appear at the hearing, the Commissioner shall enter a written order of the decision of the Commissioner which must be mailed by certified mail to the organization.
Nev. Rev. Stat. § 695A.259 — NV Code / Title 57 / Chapter 695A / Section 695A.259
Benefit contract covering prescription drug for treatment of cancer or cancer symptom that is part of step therapy protocol: Society required to allow insured or attending practitioner to apply for exemption from step therapy protocol in certain circumstances; procedure for applying for and granting exemption
Status: in_force

1. A society that offers or issues a benefit contract which provides coverage of a prescription drug for the treatment of cancer or any symptom of cancer that is part of a step therapy protocol shall allow an insured who has been diagnosed with stage 3 or 4 cancer or the attending practitioner of the insured to apply for an exemption from the step therapy protocol. The application process for such an exemption must: (a) Allow the insured or attending practitioner, or a designated advocate for the insured or attending practitioner, to present to the society the clinical rationale for the exemption and any relevant medical information. (b) Clearly prescribe the information and supporting documentation that must be submitted with the application, the criteria that will be used to evaluate the request and the conditions under which an expedited determination pursuant to subsection 4 is warranted. (c) Require the review of each application by at least one physician, registered nurse or pharmacist.

2. The information and supporting documentation required pursuant to paragraph (b) of subsection 1: (a) May include, without limitation: (1) The medical history or other health records of the insured demonstrating that the insured has: (I) Tried other drugs included in the pharmacological class of drugs for which the exemption is requested without success; or (II) Taken the requested drug for a clinically appropriate amount of time to establish stability in relation to the cancer and the guidelines of the prescribing practitioner; and (2) Any other relevant clinical information. (b) Must not include any information or supporting documentation that is not necessary to make a determination about the application.

3. Except as otherwise provided in subsection 4, a society that receives an application for an exemption pursuant to subsection 1 shall: (a) Make a determination concerning the application if the application is complete or request additional information or documentation necessary to complete the application not later than 72 hours after receiving the application; and (b) If it requests additional information or documentation, make a determination concerning the application not later than 72 hours after receiving the requested information or documentation.

4. If, in the opinion of the attending practitioner, a step therapy protocol may seriously jeopardize the life or health of the insured, a society that receives an application for an exemption pursuant to subsection 1 must make a determination concerning the application as expeditiously as necessary to avoid serious jeopardy to the life or health of the insured.

5. A society shall disclose to the insured or attending practitioner who submits an application for an exemption from a step therapy protocol pursuant to subsection 1 the qualifications of each person who will review the application.

6. A society must grant an exemption from a step therapy protocol in response to an application submitted pursuant to subsection 1 if: (a) Any treatment otherwise required under the step therapy or any drug in the same pharmacological class or having the same mechanism of action as the drug for which the exemption is requested has not been effective at treating the cancer or symptom of the insured when prescribed in accordance with clinical indications, clinical guidelines or other peer-reviewed evidence; (b) Delay of effective treatment would have severe or irreversible consequences for the insured and the treatment otherwise required under the step therapy is not reasonably expected to be effective based on the physical or mental characteristics of the insured and the known characteristics of the treatment; (c) Each treatment otherwise required under the step therapy: (1) Is contraindicated for the insured or has caused or is likely, based on peer-reviewed clinical evidence, to cause an adverse reaction or other physical harm to the insured; or (2) Has prevented or is likely to prevent the insured from performing the responsibilities of his or her occupation or engaging in activities of daily living, as defined in 42 C.F.R. § 441.505 ; (d) The condition of the insured is stable while being treated with the prescription drug for which the exemption is requested and the insured has previously received approval for coverage of that drug; or (e) Any other condition for which such an exemption is required by regulation of the Commissioner is met.

7. If a society approves an application for an exemption from a step therapy protocol pursuant to this section, the society must cover the prescription drug to which the exemption applies in accordance with the terms of the applicable benefit contract. The society may initially limit the coverage to a 1-week supply of the drug for which the exemption is granted. If the attending practitioner determines after 1 week that the drug is effective at treating the cancer or symptom for which it was prescribed, the society must continue to cover the drug for as long as it is necessary to treat the insured for the cancer or symptom. The society may conduct a review not more frequently than once each quarter to determine, in accordance with available medical evidence, whether the drug remains necessary to treat the insured for the cancer or symptom. The society shall provide a report of the review to the insured.

8. A society shall post in an easily accessible location on an Internet website maintained by the society a form for requesting an exemption pursuant to this section.

9. A benefit contract subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2022, has the legal effect of including the coverage required by this section, and any provision of the benefit contract that conflicts with this section is void.

10. As used in this section, “ attending practitioner ” means the practitioner, as defined in NRS 639.0125 , who has primary responsibility for the treatment of the cancer or any symptom of such cancer of an insured.
Nev. Rev. Stat. § 691C.070 — NV Code / Title 57 / Chapter 691C / Section 691C.070
“Credit transaction” defined
Status: in_force

“ Credit transaction ” means any transaction for which the terms of repayment of money loaned or loan commitment made, or payment of goods, services or properties sold or leased, is to be made at a future date.
Nev. Rev. Stat. § 679B.290 — NV Code / Title 57 / Chapter 679B / Section 679B.290
Expense of examination; billing for examination; regulations
Status: in_force

1. Except as otherwise provided in subsection 2: (a) The expense of examination of an insurer, or of any person referred to in subsection 1, 2, 5 or 6 of NRS 679B.240 , must be borne by the person examined. Such expense includes only the reasonable compensation and per diem allowance of the examiners of the Commissioner, including expert assistance, and incidental expenses as necessarily incurred in the examination. As to expense involved in any such examination, the Commissioner shall give due consideration to scales and limitations recommended by the National Association of Insurance Commissioners and outlined in the examination manual sponsored by that association. (b) The person examined shall promptly pay the expenses of the examination upon presentation by the Commissioner of a reasonably detailed written statement thereof.

2. The Commissioner may bill an insurer for the examination of any person referred to in subsection 1 of NRS 679B.240 and shall adopt regulations governing such billings.
Nev. Rev. Stat. § 681A.310 — NV Code / Title 57 / Chapter 681A / Section 681A.310
“Controlling person” defined
Status: in_force

“Controlling person” means a person who directly or indirectly has the power to direct, or cause to be directed, the management, control or activities of an intermediary.
Nev. Rev. Stat. § 689A.0413 — NV Code / Title 57 / Chapter 689A / Section 689A.0413
Coverage for certain gynecological or obstetrical services without authorization or referral from primary care physician required
Status: in_force

1. A policy of health insurance must include a provision authorizing a woman covered by the policy to obtain covered gynecological or obstetrical services without first receiving authorization or a referral from her primary care physician.

2. The provisions of this section do not authorize a woman covered by a policy of health insurance to designate an obstetrician or gynecologist as her primary care physician.

3. A policy subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 1999, has the legal effect of including the coverage required by this section, and any provision of the policy or the renewal which is in conflict with this section is void.

4. As used in this section, “primary care physician” has the meaning ascribed to it in NRS 695G.060 .
Nev. Rev. Stat. § 696B.320 — NV Code / Title 57 / Chapter 696B / Section 696B.320
Claims of residents against foreign insurers
Status: in_force

1. In a delinquency proceeding in a reciprocal state against an insurer domiciled in that state, claimants against such insurer who reside within this state may file claims either with the ancillary receiver, if any, appointed in this state, or with the domiciliary receiver. All such claims must be filed on or before the last date fixed for the filing of claims in the domiciliary delinquency proceedings.

2. Controverted claims belonging to claimants residing in this state may either: (a) Be proved in the domiciliary state as provided by the law of that state; or (b) If ancillary proceedings have been commenced in this state, be proved in those proceedings. If any such claimant elects to prove a claim in this state, the claimant shall file the claim with the ancillary receiver and shall give notice in writing to the receiver in the domiciliary state, either by registered or certified mail or by personal service at least 40 days prior to the date set for hearing. The notice shall contain a concise statement of the amount of the claim, the facts on which the claim is based, and the priorities asserted, if any. If the domiciliary receiver within 30 days after the giving of such notice gives notice in writing to the ancillary receiver and to the claimant, either by registered or certified mail or by personal service, of the intention of the domiciliary receiver to contest such claim, the domiciliary receiver shall be entitled to appear or to be represented in any proceeding in this state involving adjudication of the claim. The final allowance of the claim by the courts of this state shall be accepted as conclusive as to its amount and shall also be accepted as conclusive as to its priority, if any, against special deposits or other security located within this state.
Nev. Rev. Stat. § 681B.150 — NV Code / Title 57 / Chapter 681B / Section 681B.150
Minimum reserve; applicability
Status: in_force

1. If in any contract year the gross premium charged by any life insurer on any policy or contract issued on or after January 1, 1972, is less than the valuation net premium for the policy or contract calculated by the method used in calculating the reserve thereon but using the minimum valuation standards of mortality and rate of interest, the minimum reserve required for the policy or contract is the greater of: (a) The reserve calculated according to the mortality table, rate of interest and method actually used for the policy or contract; or (b) The reserve calculated by the method actually used for the policy or contract, but using the minimum valuation standards of mortality and rate of interest, and replacing the valuation net premium by the actual gross premium in each contract year for which the valuation net premium exceeds the actual gross premium. The minimum valuation standards of mortality and rate of interest referred to in this subsection are the standards stated in NRS 681B.120 and 681B.125 .

2. If any life insurance policy is issued on or after January 1, 1987, for which the gross premium in the first policy year exceeds that of the second year and no comparable additional benefit is provided in the first year in return for the excess premium, and which provides an endowment benefit or a cash surrender value, or a combination thereof, in an amount greater than the excess premium, the provisions of this section must be applied as if the method actually used in calculating the reserve for the policy were the method described in NRS 681B.130 other than in subsection 2 of that section. The minimum reserve required at each policy anniversary of such a policy is the greater of the minimum reserve calculated in accordance with NRS 681B.130 , including subsection 2 of that section, and the minimum reserve calculated in accordance with this subsection and subsection 1.

3. The minimum standard for the valuation of policies and contracts issued before January 1, 1972, must be that provided by the laws in effect immediately preceding that date.

4. Except as otherwise provided in NRS 681B.310 , the provisions of this section apply only to, or in connection with, policies and contracts issued on or after January 1, 1972, and before the operative date of the Valuation Manual .
Nev. Rev. Stat. § 687B.692 — NV Code / Title 57 / Chapter 687B / Section 687B.692
Provider network contract: Circumstances in which health carrier prohibited from denying request to enter into contract from a provider of health care employed or accepting employment with medical school; grounds for denial of request or termination of contract
Status: in_force

1. A health carrier which offers or issues a network plan may not deny a request from a provider of health care to enter into a provider network contract with the health carrier if the provider of health care: (a) Meets and accepts the terms and conditions for participation in the network of the health carrier, including, without limitation: (1) Meeting any credentialing requirement of the health carrier; (2) Agreeing to all provisions of the provider network contract, including, without limitation, provisions setting forth the grounds and procedures for terminating providers of health care from participation in the network; and (3) Agreeing to participate in a review of the performance and experience of the provider of health care at least once each year or as otherwise required by the health carrier; (b) Is employed by or has accepted an offer of employment from a school of medicine or school of osteopathic medicine in this State to serve in a position where the provider of health care teaches students studying to become providers of health care or resident physicians at least 50 percent of the time the provider of health care is performing his or her duties for the school; (c) Does not have a clinical practice already established in this State at the time the request to enter into a provider network contract is made; and (d) Requests to be a participating provider of health care in the network of the health carrier.

2. A health carrier which offers or issues a network plan may deny a request from a provider of health care to enter into a provider network contract with the health carrier if: (a) The health carrier contracts with a third party for the delivery of services to covered persons; (b) Participating providers of health care are paid though capitation agreements; or (c) Accepting the provider of health care into the network plan would disrupt existing provider network contracts.

3. A health carrier may terminate a provider network contract entered into pursuant to subsection 1 for any grounds authorized under the contract. Such grounds may include, without limitation, failure to maintain the employment described in paragraph (b) of subsection 1 or issues of inconsistency with other participating providers of health care with regard to: (a) Access for covered persons to the services of the provider of health care; (b) The cost of the services of the provider of health care; (c) The quality of care provided by the provider of health care; or (d) Other issues relating to the utilization of the services of the provider of health care.
Nev. Rev. Stat. § 696A.340 — NV Code / Title 57 / Chapter 696A / Section 696A.340
Applicability of chapter
Status: in_force

This chapter does not apply to:

1. A duly authorized attorney at law acting in the usual course of his or her profession.

2. Any authorized insurer.

3. Any motor carrier association providing one or more of the services described in NRS 696A.050 to its members.
Nev. Rev. Stat. § 695A.310 — NV Code / Title 57 / Chapter 695A / Section 695A.310
Injunction against, liquidation of or appointment of receiver for domestic society
Status: in_force

1. When the Commissioner upon investigation finds that a domestic society: (a) Has exceeded its powers; (b) Has failed to comply with any provision of this chapter; (c) Is not fulfilling its contracts in good faith; (d) Has a membership of less than 400 after an existence of 1 year or more; or (e) Is conducting business fraudulently or in a manner hazardous to its members, creditors, the public or the business, the Commissioner shall notify the society of his or her findings, state in writing the reasons for the Commissioner’s dissatisfaction, and issue a written order requiring the society to make the necessary corrections. If the Commissioner finds that the society has failed to comply with the order within 30 days after receiving it, the Commissioner shall notify the society of his or her finding of noncompliance and require the society to show cause on a date named why it should not be enjoined from carrying on any business until the violation complained of has been corrected, or why an action in quo warranto should not be commenced against the society.

2. If on that date the society does not present good and sufficient reasons why it should not be so enjoined or why such action should not be commenced, the Commissioner may present the facts relating thereto to the Attorney General, who shall, if he or she deems the circumstances warrant, commence an action to enjoin the society from transacting business or an action in quo warranto.

3. The court shall thereupon notify the officers of the society of a hearing. If, after a full hearing, it appears that the society should be so enjoined or liquidated or a receiver appointed, the court shall enter the necessary order.

4. A society that is so enjoined shall not do business until: (a) The Commissioner finds that the violation complained of has been corrected; (b) The costs of the action have been paid by the society, if the court finds that the society was in default as charged; (c) The court has dissolved its injunction; and (d) The Commissioner has reinstated the certificate of authority.

5. If the court orders the society liquidated, it must be enjoined from carrying on any further business, whereupon the receiver of the society shall proceed at once to take possession of the books, papers, money and other assets of the society and, under the direction of the court, proceed forthwith to close the affairs of the society and to distribute its funds to those entitled thereto.

6. No action under this section may be recognized in any court of this state unless brought by the Attorney General upon request of the Commissioner. Whenever a receiver is to be appointed for a domestic society, the court shall appoint the Commissioner as the receiver.

7. The provisions of this section relating to hearing by the Commissioner, action by the Attorney General at the request of the Commissioner, hearing by the court, injunction and receivership apply to a society which voluntarily determines to discontinue business.
Nev. Rev. Stat. § 680B.0365 — NV Code / Title 57 / Chapter 680B / Section 680B.0365
General tax on premiums: Credit for qualified equity investments or impact qualified equity investments
Status: in_force

Each insurer that makes a qualified equity investment, as defined in NRS 231A.130 , or impact qualified equity investment, as defined in NRS 231A.0757 , or is allocated a credit pursuant to NRS 231A.210 is entitled to a credit against the premium tax in the manner provided in NRS 231A.200 .
Nev. Rev. Stat. § 695J.110 — NV Code / Title 57 / Chapter 695J / Section 695J.110
Application for initial certificate as exchange enrollment facilitator: Requirements; fee
Status: in_force

An applicant for an initial certificate as an exchange enrollment facilitator must:

1. Be a natural person of not less than 18 years of age;

2. Apply on a form prescribed by the Commissioner;

3. Pass a written examination established by the Commissioner by regulation;

4. Successfully complete a course of instruction established by the Commissioner by regulation;

5. Submit fingerprints as required pursuant to NRS 695J.120 ; and

6. Pay the nonrefundable: (a) Application and certificate fee set forth in NRS 680B.010 ; and (b) Initial fee set forth in NRS 680C.110 .
Nev. Rev. Stat. § 683A.031 — NV Code / Title 57 / Chapter 683A / Section 683A.031
“Business organization” defined
Status: in_force

“ Business organization ” means a corporation, association, partnership, limited-liability company, limited-liability partnership or other legal form of organization.
Nev. Rev. Stat. § 695D.2157 — NV Code / Title 57 / Chapter 695D / Section 695D.2157
Recovery of overpayments: Notice; procedures for challenging attempted recovery; limitation of period for recovery; exception
Status: in_force

1. An organization for dental care or an administrator who recovers overpayments under a plan for dental care shall provide written notice to a dentist of any attempt to recover an overpayment, other than a duplicate payment. The notice must include, without limitation: (a) A description of the error that justifies the recovery; and (b) The date on which the dental care for which the overpayment was made was provided and the name of the member to whom the dental care was provided.

2. An organization for dental care or an administrator who recovers overpayments under a plan for dental care shall establish written procedures by which a dentist may challenge an attempt to recover an overpayment. Those procedures must include, without limitation, procedures for sharing information concerning a disputed claim with the dentist.

3. Except as otherwise provided in this subsection, an organization for dental care or an administrator who recovers overpayments under a plan for dental care shall not attempt to recover an overpayment more than 12 months after the date of the overpayment. This subsection does not apply to an attempt to recover an overpayment that is: (a) Based on a reasonable belief that the overpayment involved fraud, abuse or other intentional misconduct; or (b) Initiated by or at the request of a self-insured employer.

4. Any provision of a contract that conflicts with this section is against public policy, void and unenforceable.
Nev. Rev. Stat. § 679A.118 — NV Code / Title 57 / Chapter 679A / Section 679A.118
“Provider of insurance” defined
Status: in_force

“Provider of insurance” includes an insurer, producer of insurance, managing general agent, third-party administrator, organization composed of or using preferred providers of health care, health maintenance organization, commercial bank, trust company, savings and loan association, savings bank, credit union, thrift company, financial holding company, affiliate or subsidiary of an insurer or financial holding company, broker-dealer in securities, mortgage lender, and any other person engaged in the business of insurance.
Nev. Rev. Stat. § 679B.330 — NV Code / Title 57 / Chapter 679B / Section 679B.330
Location; presiding officer; evidence; parties; record of proceedings and evidence
Status: in_force

1. The Commissioner may hold a hearing in Carson City, Nevada, or any other place of convenience to parties and witnesses, as the Commissioner determines. The Commissioner, a deputy or assistant of the Commissioner, or a person appointed by the Commissioner, shall preside at the hearing, and shall expedite the hearing and all procedures involved therein.

2. The Commissioner may appoint a person who is not associated with the Division to conduct a hearing if the hearing requires a disinterested or impartial hearing officer. A person so appointed shall comply with the provisions which govern hearings conducted by the Commissioner. An order issued by such a person has the same effect as an order issued by the Commissioner.

3. Testimony may be taken orally or by deposition, and any party has the same right to introduce evidence by interrogatories or deposition as the party would have in a district court.

4. Upon good cause shown the Commissioner shall permit to become a party to the hearing by intervention, if timely, only such persons, not original parties thereto, whose pecuniary interests are to be directly and immediately affected by the Commissioner's order made upon the hearing.

5. The Commissioner shall cause a record of the proceedings to be made. If transcribed, a copy of the record must be part of the Commissioner's record of the hearing and a copy must be furnished to any other party to the hearing, at the request and expense of the other party. If no such record is transcribed, the Commissioner shall prepare a summary record of the proceedings and evidence.
Nev. Rev. Stat. § 682A.554 — NV Code / Title 57 / Chapter 682A / Section 682A.554
Additional foreign investment and foreign currency allowance for insurers authorized to do business in foreign jurisdiction and holding foreign contracts
Status: in_force

In addition to investments allowed under NRS 682A.550 and 682A.552 , an insurer that is authorized to do business in a foreign jurisdiction, and that has outstanding insurance, annuity or reinsurance contracts on lives or risks resident or located in that foreign jurisdiction and denominated in foreign currency of that jurisdiction, may acquire foreign investments respecting that foreign jurisdiction, and may acquire investments denominated in the currency of that jurisdiction, subject to the limitations of NRS 682A.512 , 682A.514 and 682A.516 . Investments made in accordance with this section in obligations of foreign governments, their political subdivisions and government-sponsored enterprises are not subject to the limitations of NRS 682A.512 , 682A.514 and 682A.516 if those investments carry an SVO rating of 1 or 2. The aggregate amount of investments acquired by the insurer in accordance with this section must not exceed the greater of:

1. The amount the insurer is required by law to invest in the foreign jurisdiction; or

2. One hundred twenty-five percent of the amount of the insurer's reserves, net of reinsurance and other obligations under the contracts.
Nev. Rev. Stat. § 696B.090 — NV Code / Title 57 / Chapter 696B / Section 696B.090
“General assets” defined
Status: in_force

1. “ General assets ” means all property, real, personal or otherwise, not specifically mortgaged, pledged, deposited or otherwise encumbered for the security or benefit of specified persons or a limited class or classes of persons, and as to such specifically encumbered property the term includes all such property or its proceeds in excess of the amount necessary to discharge the sums secured thereby.

2. Assets held in trust or on deposit for the security or benefit of all policyholders or all policyholders and creditors in the United States of America are deemed general assets.
Nev. Rev. Stat. § 689B.0285 — NV Code / Title 57 / Chapter 689B / Section 689B.0285
System for resolving complaints of insureds: Establishment; approval; requirements; examination; exception
Status: in_force

1. Except as otherwise provided in subsection 4, each insurer that issues a policy of group health insurance in this State shall establish a system for resolving any complaints of an insured concerning health care services covered under the policy. The system must be approved by the Commissioner.

2. A system for resolving complaints established pursuant to subsection 1 must include an initial investigation, a review of the complaint by a review board and a procedure for appealing a determination regarding the complaint. The majority of the members on a review board must be insureds who receive health care services pursuant to a policy of group health insurance issued by the insurer.

3. The Commissioner may examine the system for resolving complaints established pursuant to subsection 1 at such times as the Commissioner deems necessary or appropriate.

4. Each insurer that issues a policy of group health insurance in this State that provides, delivers, arranges for, pays for or reimburses any cost of health care services through managed care shall provide a system for resolving any complaints of an insured concerning the health care services that complies with the provisions of NRS 695G.200 to 695G.310 , inclusive.
Nev. Rev. Stat. § 696B.530 — NV Code / Title 57 / Chapter 696B / Section 696B.530
Summary proceedings: Seizure under court order
Status: in_force

1. Upon filing by the Commissioner in any district court of this state of his or her verified petition alleging any ground for a formal delinquency proceeding against an insurer under this chapter and that the interests of the insurer's policyholders or creditors or the public will be jeopardized by delay, and setting forth the order deemed necessary by the Commissioner, the court shall, ex parte and without notice or hearing, issue the requested order. The requested order may: (a) Direct the Commissioner to take possession and control of all or part of the property, books, accounts and records of the insurer and the premises occupied by it for transaction of its business; and (b) Until further order of the court, enjoin the insurer and its officers, managers, agents and employees from removal, concealment or other disposition of its property, and from the transaction of its business, except with the Commissioner's written consent.

2. The court's order shall be for such duration, specified in the order, as the court deems necessary to enable the Commissioner to ascertain the insurer's condition. On motion of any party or on its own motion, the court may hold such hearings as it deems desirable after such notice as it deems appropriate, and extend or shorten the duration or modify the terms of the order. The court shall vacate the seizure order if the Commissioner fails to commence a formal proceeding under this chapter after reasonable opportunity to do so; and a seizure order is automatically vacated by issuance of the court's order pursuant to formal delinquency proceedings under this chapter.

3. Entry of a seizure order under this section does not constitute an anticipatory breach of any contract of the insurer.
Nev. Rev. Stat. § 696A.150 — NV Code / Title 57 / Chapter 696A / Section 696A.150
Certificate of authority: Expiration; renewal; fees
Status: in_force

Every certificate of authority issued to a motor club expires annually on March 1 unless it is revoked or suspended. The certificate may be renewed by paying to the Commissioner an annual fee for renewal of $500 before the expiration of the certificate and, in addition to any other fee or charge, all applicable fees required pursuant to NRS 680C.110 .
Nev. Rev. Stat. § 695F.320 — NV Code / Title 57 / Chapter 695F / Section 695F.320
Annual report and financial statement; quarterly statement; additional reports; penalties for failure to file report or statement
Status: in_force

1. Each prepaid limited health service organization shall file with the Commissioner annually, on or before March 1, a report showing its financial condition on the last day of the preceding calendar year. The report must be verified by at least two principal officers of the organization.

2. The report must be on a form prescribed by the Commissioner and include: (a) A financial statement of the organization, including its balance sheet and receipts and disbursements for the preceding calendar year; (b) The number of subscribers at the beginning and the end of the year and the number of enrollments terminated during the year; and (c) Such other information as the Commissioner may prescribe.

3. Each prepaid limited health service organization shall file with the Commissioner annually an audited financial statement prepared in accordance with the provisions of subsection 1 of NRS 680A.265 .

4. Each prepaid limited health service organization shall file with the Commissioner and the National Association of Insurance Commissioners a quarterly statement in the form most recently adopted by the National Association of Insurance Commissioners for that type of insurer. The quarterly statement must be: (a) Prepared in accordance with the instructions which are applicable to that form, including, without limitation, the required date of submission for the form; and (b) Filed by electronic means.

5. The Commissioner may require more frequent reports containing such information as is necessary to enable the Commissioner to carry out his or her duties pursuant to this chapter.

6. The Commissioner may: (a) Assess a fine of not more than $100 per day for each day a report or statement required pursuant to this section is not filed after the report or statement is due, but the fine must not exceed $3,000; and (b) Suspend the organization's certificate of authority until the organization files the report or statement, as applicable.
Nev. Rev. Stat. § 689C.540 — NV Code / Title 57 / Chapter 689C / Section 689C.540
Duties
Status: in_force

A voluntary purchasing group shall:

1. Establish administrative and accounting procedures for the operation of the group and the provision of services to members, prepare an annual budget and annual operational fiscal reports;

2. Provide for internal and independent audits; and

3. Maintain all records, reports and other information of the group and may contract with qualified third-party administrators, licensed insurance agents or brokers as needed.
Nev. Rev. Stat. § 695F.030 — NV Code / Title 57 / Chapter 695F / Section 695F.030
“Evidence of coverage” defined
Status: in_force

“ Evidence of coverage ” means any certificate, agreement or contract issued to an enrollee which sets forth the coverage the enrollee is entitled to receive.
Nev. Rev. Stat. § 689C.310 — NV Code / Title 57 / Chapter 689C / Section 689C.310
Renewal of plan; discontinuance of issuance or renewal of coverage or of plan offered only through bona fide association; discontinuance of product; applicability
Status: in_force

1. Except as otherwise provided in subsections 2 and 3, a carrier shall renew a health benefit plan at the option of the small employer who purchased the plan.

2. A carrier may refuse to issue or to renew a health benefit plan if: (a) The carrier discontinues transacting insurance in this state or in the geographic service area of this state where the employer is located; (b) The employer fails to pay the premiums or contributions required by the terms of the plan; (c) The employer misrepresents any information regarding the employees covered under the plan or other information regarding eligibility for coverage under the plan; (d) The plan sponsor has engaged in an act or practice that constitutes fraud to obtain or maintain coverage under the plan; (e) The employer is not in compliance with the minimum requirements for participation or employer contribution as set forth in the plan; or (f) The employer fails to comply with any of the provisions of this chapter.

3. A carrier may require a small employer to exclude a particular employee or a dependent of the particular employee from coverage under a health benefit plan as a condition to renewal of the plan if the employee or dependent of the employee commits fraud upon the carrier or misrepresents a material fact which affects his or her coverage under the plan.

4. A carrier shall discontinue the issuance and renewal of coverage to a small employer if the Commissioner finds that the continuation of the coverage would not be in the best interests of the policyholders or certificate holders of the carrier in this state or would impair the ability of the carrier to meet its contractual obligations. If the Commissioner makes such a finding, the Commissioner shall assist the affected small employers in finding replacement coverage.

5. A carrier may discontinue a product offered to small employers pursuant to this subsection only if: (a) The carrier notifies the Commissioner of its decision pursuant to this subsection to discontinue the product at least 60 days before the carrier notifies the affected small employers pursuant to paragraph (b). (b) The carrier notifies each affected small employer of the decision of the carrier to discontinue the product. The notice must be made at least 90 days before the date on which the carrier will discontinue offering the product. (c) The carrier offers to each affected small employer the option to purchase any other health benefit plan currently offered by the carrier to small employers in this state. (d) In exercising the option to discontinue the product and in offering the option to purchase other coverage pursuant to paragraph (c), the carrier acts uniformly without regard to the claims experience of the affected small employers or any health status-related factor relating to any participant or beneficiary covered by the discontinued product or any new participant or beneficiary who may become eligible for such coverage.

6. A carrier may discontinue the issuance and renewal of a health benefit plan offered to a small employer or an eligible employee pursuant to this chapter only through a bona fide association if: (a) The membership of the small employer or eligible employee in the association was the basis for the provision of coverage; (b) The membership of the small employer or eligible employee in the association ceases; and (c) The coverage is terminated pursuant to this subsection uniformly without regard to any health status-related factor relating to the small employer or eligible employee or dependent of the eligible employee.

7. If a carrier does business in only one geographic service area of this state, the provisions of this section apply only to the operations of the carrier in that service area.
Nev. Rev. Stat. § 692C.310 — NV Code / Title 57 / Chapter 692C / Section 692C.310
Consolidated registration
Status: in_force

The Commissioner may require or allow two or more affiliated insurers subject to registration hereunder to file a consolidated registration statement or consolidated reports amending their consolidated registration statement or their individual registration statements.
Nev. Rev. Stat. § 679B.170 — NV Code / Title 57 / Chapter 679B / Section 679B.170
Private ombudsmen
Status: in_force

The Commissioner may by rule or regulation require any or all insurers to designate a special complaint representative, who may be an officer, employee or agent, to investigate and report on complaints received from insureds or other persons. In order to achieve some degree of independence and authority in such representatives, the Commissioner may require that they report directly to the board of directors or other specified office, or that they have additional authority or status.
Nev. Rev. Stat. § 694B.100 — NV Code / Title 57 / Chapter 694B / Section 694B.100
Attorney's bond
Status: in_force

1. Concurrently with the filing of the declaration provided for in NRS 694B.060 , the attorney of a domestic reciprocal insurer shall file with the Commissioner a bond in favor of this state for the benefit of all persons damaged as a result of breach by the attorney of the conditions of this bond as set forth in subsection 2. The bond shall be executed by the attorney and by an authorized corporate surety, and shall be subject to the Commissioner's approval.

2. The bond shall be in the penal sum of $25,000, aggregate in form, conditioned that the attorney will faithfully account for all moneys and other property of the insurer coming into the hands of the attorney, and that the attorney will not withdraw or appropriate to the attorney’s own use from the funds of the insurer any moneys or property to which the attorney is not entitled under the power of attorney.

3. The bond shall provide that it is not subject to cancellation unless 30 days' advance notice in writing of cancellation is given both the attorney and the Commissioner.
Nev. Rev. Stat. § 689A.030 — NV Code / Title 57 / Chapter 689A / Section 689A.030
General requirements
Status: in_force

A policy of health insurance must not be delivered or issued for delivery to any person in this State unless it otherwise complies with this Code, and complies with the following:

1. The entire money and other considerations for the policy must be expressed therein.

2. The time when the insurance takes effect and terminates must be expressed therein.

3. It must purport to insure only one person, except that a policy may insure, originally or by subsequent amendment, upon the application of an adult member of a family, who shall be deemed the policyholder, any two or more eligible members of that family, including the husband, wife, domestic partner as defined in NRS 122A.030 , dependent children, from the time of birth, adoption or placement for the purpose of adoption as provided in NRS 689A.043 , or any child on or before the last day of the month in which the child attains 26 years of age, and any other person dependent upon the policyholder.

4. The style, arrangement and overall appearance of the policy must not give undue prominence to any portion of the text, and every printed portion of the text of the policy and of any endorsements or attached papers must be plainly printed in light-faced type of a style in general use, the size of which must be uniform and not less than 10 points with a lowercase unspaced alphabet length not less than 120 points. “ Text ” includes all printed matter except the name and address of the insurer, the name or the title of the policy, the brief description, if any, and captions and subcaptions.

5. The exceptions and reductions of indemnity must be set forth in the policy and, other than those contained in NRS 689A.050 to 689A.290 , inclusive, must be printed, at the insurer's option, with the benefit provision to which they apply or under an appropriate caption such as “Exceptions” or “Exceptions and Reductions,” except that if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of that exception or reduction must be included with the benefit provision to which it applies.

6. Each such form, including riders and endorsements, must be identified by a number in the lower left-hand corner of the first page thereof.

7. The policy must not contain any provision purporting to make any portion of the charter, rules, constitution or bylaws of the insurer a part of the policy unless that portion is set forth in full in the policy, except in the case of the incorporation of or reference to a statement of rates or classification of risks, or short-rate table filed with the Commissioner.

8. The policy must provide benefits for expense arising from care at home or health supportive services if that care or service was prescribed by a physician and would have been covered by the policy if performed in a medical facility or facility for the dependent as defined in chapter 449 of NRS .

9. Except as otherwise provided in this subsection, the policy must provide benefits for expenses incurred for the treatment of alcohol or substance use disorder. Except for the benefits required by NRS 689A.0459 , such benefits must be provided: (a) At the option of the applicant; and (b) Unless the policy provides coverage only for a specified disease or provides for the payment of a specific amount of money if the insured is hospitalized or receiving health care in his or her home.

10. The policy must provide benefits for expense arising from hospice care.
Nev. Rev. Stat. § 689A.750 — NV Code / Title 57 / Chapter 689A / Section 689A.750
Annual report; insurer required to maintain records of and report complaints concerning something other than health care services
Status: in_force

1. Each insurer that issues a policy of health insurance in this State shall submit to the Commissioner an annual report regarding its system for resolving complaints established pursuant to subsection 1 of NRS 689A.745 on a form prescribed by the Commissioner which includes, without limitation: (a) A description of the procedures used for resolving any complaints of an insured; (b) The total number of complaints and appeals handled through the system for resolving complaints since the last report and a compilation of the causes underlying the complaints filed; (c) The current status of each complaint and appeal filed; and (d) The average amount of time that was needed to resolve a complaint and an appeal, if any.

2. Each insurer shall maintain records of complaints filed with it which concern something other than health care services and shall submit to the Commissioner a report summarizing such complaints at such times and in such format as the Commissioner may require.
Nev. Rev. Stat. § 680A.270 — NV Code / Title 57 / Chapter 680A / Section 680A.270
Filing of annual statement and payment of fee by authorized insurers; statement of alien insurer; actions by Commissioner for failure to file; filing of quarterly statement by domestic insurer; regulations; confidentiality of certain information; compensation information
Status: in_force

1. Each authorized insurer shall annually on or before March 1, or within any reasonable extension of time therefor which the Commissioner for good cause may have granted on or before that date, file with the Commissioner a full and true statement of its financial condition, transactions and affairs as of December 31 preceding. The statement must be: (a) In the general form and context of, and require information as called for by, an annual statement as is currently in general and customary use in the United States for the type of insurer and kinds of insurance to be reported upon, with any useful or necessary modification or adaptation thereof, supplemented by additional information required by the Commissioner; (b) Prepared in accordance with: (1) The Annual Statement Instructions for the type of insurer to be reported on as adopted by the National Association of Insurance Commissioners for the year in which the insurer files the statement; and (2) The Accounting Practices and Procedures Manual adopted by the National Association of Insurance Commissioners and effective on January 1, 2001, and as amended by the National Association of Insurance Commissioners after that date; and (c) Verified by the oath of the insurer's president or vice president and secretary or actuary, as applicable, or, in the absence of the foregoing, by two other principal officers, or if a reciprocal insurer, by the oath of the attorney-in-fact, or its like officers if a corporation.

2. The statement of an alien insurer must be verified by its United States manager or other officer who is authorized to do so, and may relate only to the insurer's transactions and affairs in the United States unless the Commissioner requires otherwise. If the Commissioner requires a statement as to the insurer's affairs throughout the world, the insurer shall file the statement with the Commissioner as soon as reasonably possible.

3. The Commissioner may refuse to continue, or may suspend or revoke, the certificate of authority of any insurer failing to file its annual statement when due.

4. At the time of filing its annual statement with the Commissioner, the insurer shall pay the fee for filing its annual statement as prescribed by NRS 680B.010 .

5. Each domestic insurer shall file with the Commissioner and the National Association of Insurance Commissioners a quarterly statement in the form most recently adopted by the National Association of Insurance Commissioners for that type of insurer. The quarterly statement must be: (a) Prepared in accordance with the instructions which are applicable to that form, including, without limitation, the required date of submission for the form; and (b) Filed by electronic means.

6. The Commissioner may adopt regulations requiring each domestic, foreign and alien insurer which is authorized to transact insurance in this state to file the insurer's annual statement with the National Association of Insurance Commissioners or its successor organization.

7. Except as otherwise provided in NRS 239.0115 , all work papers, documents and materials prepared pursuant to this section by or on behalf of the Division are confidential and must not be disclosed by the Division.

8. To the extent that the Annual Statement Instructions referenced in subparagraph (1) of paragraph (b) of subsection 1 or the instructions for the preparation of quarterly statements referenced in paragraph (a) of subsection 5 require the disclosure of compensation paid to or on behalf of an insurer's officers, directors or employees, the information may be filed with the Commissioner and the National Association of Insurance Commissioners as exhibits separate from the annual and quarterly statements required by this section. Except as otherwise provided in NRS 239.0115 , the compensation information described in this subsection is confidential and must not be disclosed by the Division.
Nev. Rev. Stat. § 687B.370 — NV Code / Title 57 / Chapter 687B / Section 687B.370
Certain notice ineffective unless contains information about applying for insurance through certain plans
Status: in_force

Except for a notice of cancellation for the failure to pay a premium when due, no notice required pursuant to NRS 687B.310 to 687B.420 , inclusive, is effective unless it contains adequate instructions enabling the policyholder to apply for insurance through any voluntary or mandatory risk-sharing plan established pursuant to NRS 686B.180 and 686B.200 existing at the time of the notice, for which the policyholder may be eligible.
Nev. Rev. Stat. § 687B.700 — NV Code / Title 57 / Chapter 687B / Section 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
Status: in_force

Each contract entered into for the purposes of a network plan between a participating provider of health care and the health carrier must provide that in the event of the insolvency of the health carrier or any applicable intermediary, or in the event of any other cessation of operations of the health carrier or intermediary, the participating provider of health care must continue to deliver health care services covered by the network plan to a covered person without billing the covered person for any amount other than coinsurance, deductibles or copayments, as specifically provided in the evidence of coverage, until the earlier of:

1. The date of the cancellation of the covered person's coverage under the network plan pursuant to NRS 687B.310 , including, without limitation, any extension of coverage provided pursuant to: (a) The terms of the contract between the covered person and the health carrier; (b) NRS 689A.04036 , 689B.0303 , 695B.1901 , 695C.1691 and 695G.164 , as applicable; or (c) Any applicable federal law for covered persons who are in an active course of treatment or totally disabled; or

2. The date on which the contract between the health carrier and the provider of health care would have terminated if the health carrier or intermediary, as applicable, had remained in operation, including, without limitation, any extension of coverage provided pursuant to: (a) The terms of the contract between the covered person and the health carrier; (b) NRS 689A.04036 , 689B.0303 , 695B.1901 , 695C.1691 and 695G.164 , as applicable; or (c) Any applicable federal law for covered persons who are in an active course of treatment or totally disabled.
Nev. Rev. Stat. § 689C.194 — NV Code / Title 57 / Chapter 689C / Section 689C.194
Plan covering maternity and pediatric care: Required to allow minimum stay in hospital in connection with childbirth; exceptions; prohibited acts
Status: in_force

1. Except as otherwise provided in this subsection, a health benefit plan issued pursuant to this chapter that includes coverage for maternity care and pediatric care for newborn infants may not restrict benefits for any length of stay in a hospital in connection with childbirth for a pregnant or postpartum individual or newborn infant covered by the plan to: (a) Less than 48 hours after a normal vaginal delivery; and (b) Less than 96 hours after a cesarean section. If a different length of stay is provided in the guidelines established by the American College of Obstetricians and Gynecologists, or its successor organization, and the American Academy of Pediatrics, or its successor organization, the health benefit plan may follow such guidelines in lieu of following the length of stay set forth above. The provisions of this subsection do not apply to any health benefit plan in any case in which the decision to discharge the pregnant or postpartum individual or newborn infant before the expiration of the minimum length of stay set forth in this subsection is made by the attending physician of the pregnant or postpartum individual or newborn infant.

2. Nothing in this section requires a pregnant or postpartum individual to: (a) Deliver the baby in a hospital; or (b) Stay in a hospital for a fixed period following the birth of the child.

3. A health benefit plan that offers coverage for maternity care and pediatric care of newborn infants may not: (a) Deny a pregnant or postpartum individual or the newborn infant coverage or continued coverage under the terms of the plan if the sole purpose of the denial of coverage or continued coverage is to avoid the requirements of this section; (b) Provide monetary payments or rebates to a pregnant or postpartum individual to encourage the individual to accept less than the minimum protection available pursuant to this section; (c) Penalize, or otherwise reduce or limit, the reimbursement of an attending provider of health care because the attending provider of health care provided care to a pregnant or postpartum individual or newborn infant in accordance with the provisions of this section; (d) Provide incentives of any kind to an attending physician to induce the attending physician to provide care to a pregnant or postpartum individual or newborn infant in a manner that is inconsistent with the provisions of this section; or (e) Except as otherwise provided in subsection 4, restrict benefits for any portion of a hospital stay required pursuant to the provisions of this section in a manner that is less favorable than the benefits provided for any preceding portion of that stay.

4. Nothing in this section: (a) Prohibits a health benefit plan or carrier from imposing a deductible, coinsurance or other mechanism for sharing costs relating to benefits for hospital stays in connection with childbirth for a pregnant or postpartum individual or newborn child covered by the plan, except that such coinsurance or other mechanism for sharing costs for any portion of a hospital stay required by this section may not be greater than the coinsurance or other mechanism for any preceding portion of that stay. (b) Prohibits an arrangement for payment between a health benefit plan or carrier and a provider of health care that uses capitation or other financial incentives, if the arrangement is designed to provide services efficiently and consistently in the best interest of the pregnant or postpartum individual and the newborn infant. (c) Prevents a health benefit plan or carrier from negotiating with a provider of health care concerning the level and type of reimbursement to be provided in accordance with this section.
Nev. Rev. Stat. § 689C.480 — NV Code / Title 57 / Chapter 689C / Section 689C.480
Required notification when carrier ceases to renew all contracts; restrictions on carrier that ceases to renew all contracts
Status: in_force

1. A carrier may cease to renew all contracts covering voluntary purchasing groups and discontinue issuing and delivering for issuance any such contracts. The carrier shall provide notice: (a) At least 60 days before the notice of termination is provided pursuant to paragraph (b), to the Commissioner and the chief regulatory officer for insurance of each state in which the carrier is licensed to transact insurance; and (b) At least 180 days before termination of coverage to holders of all affected contracts and to the Commissioner and the chief regulatory officer for insurance in each state in which an affected insured person is known to reside.

2. A carrier that exercises its right to cease to renew all contracts covering voluntary purchasing groups shall not transfer or otherwise provide coverage to any of the insureds from a nonrenewed voluntary purchasing group unless the carrier offers to transfer or provide coverage to all affected employers and eligible employees and dependents without regard to characteristics of the insured, experience as to claims, health or duration of coverage.

3. A carrier that decides to terminate its contracts and to discontinue issuing and delivering for issuance any contracts pursuant to this section: (a) Shall discontinue issuance and delivery for issuance all health benefit plans pursuant to this chapter in this state and, except as otherwise provided in this section, not renew any such contracts; and (b) Shall not enter into any new contract with a voluntary purchasing group for 5 years after the date on which the carrier terminated its contracts with voluntary purchasing groups.
Nev. Rev. Stat. § 683A.520 — NV Code / Title 57 / Chapter 683A / Section 683A.520
Failure of producer of insurance or surplus lines broker to remit premiums: Report to Commissioner; suspension of license
Status: in_force

1. If within 30 days after the contractual due date of any premium received by a producer of insurance or a surplus lines broker, the producer of insurance or surplus lines broker fails to remit the premium to the insurer or agency to whom it is owing, the insurer or agency, as the case may be, shall promptly report the failure to the Commissioner in writing.

2. The Commissioner may suspend the licenses of the producer or surplus lines broker so failing to remit, until the remittance has been made or the insurer or agency has filed with the Commissioner a release of the indebtedness satisfactory to the Commissioner.

3. The applicable procedures provided for in NRS 683A.461 apply to suspensions of a license under this section.

4. If the Commissioner, by the admission of the producer or surplus lines broker, or by examination of the records of the producer or surplus lines broker, determines that the charged failure to remit is true, the Commissioner may suspend the license without hearing.
Nev. Rev. Stat. § 686A.250 — NV Code / Title 57 / Chapter 686A / Section 686A.250
Use of insurance or annuity as inducement for purchase or rental of property or services without separate charge prohibited; exceptions
Status: in_force

1. No person shall arrange, provide or participate in any plan to offer or effect any kind or kinds of insurance or annuities in this state as an inducement to the purchase or rental by the public of any property or services, without a separate charge to the insured for such insurance.

2. This section does not apply to: (a) Insurance written in connection with a subscription to newspapers of general circulation; (b) Insurance issued to credit unions or members thereof in connection with the purchase of shares in such credit union; (c) Insurance offered as guarantee to the performance of goods and designed to protect the purchasers or users of such goods; (d) Title insurance; (e) Life or health insurance written in connection with an indebtedness for the purpose of paying the balance of the indebtedness on death or disability of the individual insured; or (f) Services provided by motor clubs.
Nev. Rev. Stat. § 689B.0295 — NV Code / Title 57 / Chapter 689B / Section 689B.0295
Written notice required to be provided by insurer to insured explaining right to file complaint; written notice to insured required when insurer denies coverage of health care service
Status: in_force

1. Following approval by the Commissioner, each insurer that issues a policy of group health insurance in this State shall provide written notice to an insured, in clear and comprehensible language that is understandable to an ordinary layperson, explaining the right of the insured to file a written complaint. Such notice must be provided to an insured: (a) At the time the insured receives his or her certificate of coverage or evidence of coverage; (b) Any time that the insurer denies coverage of a health care service or limits coverage of a health care service to an insured; and (c) Any other time deemed necessary by the Commissioner.

2. Any time that an insurer denies coverage of a health care service, including, without limitation, denying a claim relating to a policy of group health insurance or blanket insurance pursuant to NRS 689B.255 , to an insured it shall notify the insured in writing within 10 working days after it denies coverage of the health care service of: (a) The reason for denying coverage of the service; (b) The criteria by which the insurer determines whether to authorize or deny coverage of the health care service; and (c) The right of the insured to file a written complaint and the procedure for filing such a complaint.

3. A written notice which is approved by the Commissioner shall be deemed to be in clear and comprehensible language that is understandable to an ordinary layperson.
Nev. Rev. Stat. § 689B.0303 — NV Code / Title 57 / Chapter 689B / Section 689B.0303
Required provision in certain policies concerning coverage for continued medical treatment; exceptions; regulations
Status: in_force

1. The provisions of this section apply to a policy of group health insurance offered or issued by an insurer if an insured covered by the policy receives health care through a defined set of providers of health care who are under contract with the insurer.

2. Except as otherwise provided in this section, if an insured who is covered by a policy described in subsection 1 is receiving medical treatment for a medical condition from a provider of health care whose contract with the insurer is terminated during the course of the medical treatment, the policy must provide that: (a) The insured may continue to obtain medical treatment for the medical condition from the provider of health care pursuant to this section, if: (1) The insured is actively undergoing a medically necessary course of treatment; and (2) The provider of health care and the insured agree that the continuity of care is desirable. (b) The provider of health care is entitled to receive reimbursement from the insurer for the medical treatment the provider of health care provides to the insured pursuant to this section, if the provider of health care agrees: (1) To provide medical treatment under the terms of the contract between the provider of health care and the insurer with regard to the insured, including, without limitation, the rates of payment for providing medical service, as those terms existed before the termination of the contract between the provider of health care and the insurer; and (2) Not to seek payment from the insured for any medical service provided by the provider of health care that the provider of health care could not have received from the insured were the provider of health care still under contract with the insurer.

3. The coverage required by subsection 2 must be provided until the later of: (a) The 120th day after the date the contract is terminated; or (b) If the medical condition is pregnancy, the 45th day after: (1) The date of delivery; or (2) If the pregnancy does not end in delivery, the date of the end of the pregnancy.

4. The requirements of this section do not apply to a provider of health care if: (a) The provider of health care was under contract with the insurer and the insurer terminated that contract because of the medical incompetence or professional misconduct of the provider of health care; and (b) The insurer did not enter into another contract with the provider of health care after the contract was terminated pursuant to paragraph (a).

5. A policy subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after October 1, 2003, has the legal effect of including the coverage required by this section, and any provision of the policy or renewal thereof that is in conflict with this section is void.

6. The Commissioner shall adopt regulations to carry out the provisions of this section.
Nev. Rev. Stat. § 687B.120 — NV Code / Title 57 / Chapter 687B / Section 687B.120
Filing and approval of forms; exemption; appeal of disapproval or withdrawal of previous approval
Status: in_force

1. Except as otherwise provided in subsection 2: (a) No life or health insurance policy or contract, annuity contract form, policy form, health care plan or plan for dental care, whether individual, group or blanket, including those to be issued by a health maintenance organization, organization for dental care or prepaid limited health service organization, or application form where a written application is required and is to be made a part of the policy or contract, or printed rider or endorsement form or form of renewal certificate, or form of individual certificate or statement of coverage to be issued under group or blanket contracts, or by a health maintenance organization, organization for dental care or prepaid limited health service organization, may be delivered or issued for delivery in this state, unless the form has been filed with and approved by the Commissioner. (b) As to individual policies pursuant to paragraph (d) of subsection 2 of NRS 679B.220 or group insurance policies effectuated and delivered outside this state but covering persons resident in this state, the certificates to be delivered or issued for delivery in this state must be filed, for informational purposes only, with the Commissioner at the request of the Commissioner.

2. As to group insurance policies to be issued to a group approved pursuant to NRS 688B.030 or 689B.026 , no policies of group insurance may be marketed to a resident or employer of this State unless the policy and any form or certificate to be issued pursuant to the policy has been filed with and approved by the Commissioner.

3. Every filing made pursuant to the provisions of subsection 1 or 2 must be made not less than 45 days in advance of any delivery pursuant to subsection 1 or marketing pursuant to subsection 2. At the expiration of 45 days the form so filed shall be deemed approved unless prior thereto it has been affirmatively approved or disapproved by order of the Commissioner. Approval of any such form by the Commissioner constitutes a waiver of any unexpired portion of such waiting period. The Commissioner may extend by not more than an additional 30 days the period within which the Commissioner may so affirmatively approve or disapprove any such form, by giving notice to the insurer of the extension before expiration of the initial 45-day period. At the expiration of any such period as so extended, and in the absence of prior affirmative approval or disapproval, any such form shall be deemed approved. The Commissioner may at any time, after notice and for cause shown, withdraw any such approval.

4. Any order of the Commissioner disapproving any such form or withdrawing a previous approval must state the grounds therefor and the particulars thereof in such detail as reasonably to inform the insurer thereof. Any such withdrawal of a previously approved form is effective at the expiration of such a period, not less than 30 days after the giving of notice of withdrawal, as the Commissioner in such notice prescribes.

5. The Commissioner may, by order, exempt from the requirements of this section for so long as the Commissioner deems proper any insurance document or form or type thereof specified in the order, to which, in the opinion of the Commissioner, this section may not practicably be applied, or the filing and approval of which are, in the opinion of the Commissioner, not desirable or necessary for the protection of the public.

6. Appeals from orders of the Commissioner disapproving any such form or withdrawing a previous approval may be taken as provided in NRS 679B.310 to 679B.370 , inclusive.
Nev. Rev. Stat. § 688A.120 — NV Code / Title 57 / Chapter 688A / Section 688A.120
Table of installments
Status: in_force

In case the policy provides that the proceeds may be payable in installments which are determinable at issue of the policy, there shall be a table showing the amounts of the guaranteed installments.
Nev. Rev. Stat. § 689B.355 — NV Code / Title 57 / Chapter 689B / Section 689B.355
“Blanket accident and health insurance” defined
Status: in_force

“ Blanket accident and health insurance ” has the meaning ascribed to it in NRS 689B.070 .
Nev. Rev. Stat. § 695B.380 — NV Code / Title 57 / Chapter 695B / Section 695B.380
Establishment; approval; requirements; examination
Status: in_force

1. Except as otherwise provided in subsection 4, each insurer that issues a contract for hospital or medical services in this State shall establish a system for resolving any complaints of an insured concerning health care services covered under the policy. The system must be approved by the Commissioner.

2. A system for resolving complaints established pursuant to subsection 1 must include an initial investigation, a review of the complaint by a review board and a procedure for appealing a determination regarding the complaint. The majority of the members on a review board must be insureds who receive health care services pursuant to a contract for hospital or medical services issued by the insurer.

3. The Commissioner may examine the system for resolving complaints established pursuant to subsection 1 at such times as the Commissioner deems necessary or appropriate.

4. Each insurer that issues a contract specified in subsection 1 shall, if the contract provides, delivers, arranges for, pays for or reimburses any cost of health care services through managed care, provide a system for resolving any complaints of an insured concerning those health care services that complies with the provisions of NRS 695G.200 to 695G.310 , inclusive.
Nev. Rev. Stat. § 685B.160 — NV Code / Title 57 / Chapter 685B / Section 685B.160
Statement of charges; notice of hearing
Status: in_force

1. If the Commissioner has reason to believe that a person described in NRS 685B.140 is providing any type of coverage described in NRS 685B.120 , the Commissioner may: (a) Issue a statement of charges and a notice of a hearing to be held on those charges; and (b) Serve the statement and notice upon the person so charged.

2. The statement and notice must be: (a) Issued as provided in NRS 679B.320 ; and (b) Served personally or by certified or registered mail.
Nev. Rev. Stat. § 689C.156 — NV Code / Title 57 / Chapter 689C / Section 689C.156
Each health benefit plan marketed in this State required to be offered to small employers; issuance; carrier required to provide system for resolving complaints of employees if services provided or paid for through managed care
Status: in_force

1. As a condition of transacting business in this State with small employers, a carrier shall actively market to a small employer each health benefit plan which is actively marketed in this State by the carrier to any small employer in this State. A carrier shall be deemed to be actively marketing a health benefit plan when it makes available any of its plans to a small employer that is not currently receiving coverage under a health benefit plan issued by that carrier.

2. A carrier shall issue to a small employer any health benefit plan marketed in accordance with this section if the eligible small employer applies for the plan and agrees to make the required premium payments and satisfy the other reasonable provisions of the health benefit plan that are not inconsistent with NRS 689C.015 to 689C.355 , inclusive, and 689C.610 to 689C.940 , inclusive, except that a carrier is not required to issue a health benefit plan to a self-employed person who is covered by, or is eligible for coverage under, a health benefit plan offered by another employer.

3. If a health benefit plan marketed pursuant to this section provides, delivers, arranges for, pays for or reimburses any cost of health care services through managed care, the carrier shall provide a system for resolving any complaints of an employee concerning those health care services that complies with the provisions of NRS 695G.200 to 695G.310 , inclusive.
Nev. Rev. Stat. § 681B.070 — NV Code / Title 57 / Chapter 681B / Section 681B.070
Reserve for unearned premiums for marine and transportation insurance
Status: in_force

As to marine and transportation insurance, the entire amount of premiums on trip risks not terminated shall be deemed unearned; and the Commissioner may require the insurer to carry a reserve equal to 100 percent of premiums on trip risks written during the month ended as of the date of statement.
Nev. Rev. Stat. § 680A.560 — NV Code / Title 57 / Chapter 680A / Section 680A.560
Circumstances in which insurer required to cease delivery by electronic means
Status: in_force

An insurer shall cease delivering by electronic means any notice or other document and shall deliver such notices and other documents by any other delivery method authorized by law if:

1. The insurer attempts to deliver by electronic means a notice or other document and has a reasonable basis to believe that the notice or other document was not received by the party; or

2. The insurer becomes aware that the electronic mail address provided by the party is no longer valid.
Nev. Rev. Stat. § 695E.190 — NV Code / Title 57 / Chapter 695E / Section 695E.190
Risk retention group not chartered and doing business in this State: Examination by Commissioner; compliance with order issued in certain proceedings if finding of financial impairment after examination; enforcement by district courts in this State of order issued by federal court enjoining conduct of operations or transaction of insurance in any state
Status: in_force

1. A risk retention group shall submit to an examination by the Commissioner to determine its financial condition if the commissioner of insurance of the jurisdiction in which the group is chartered does not initiate such an examination within 60 days after a request by the Commissioner of Insurance of this state. The examination must be coordinated to avoid unjustified repetition and conducted in an expeditious manner. The Commissioner shall give due consideration to the procedure outlined in the handbook for examiners sponsored by the National Association of Insurance Commissioners.

2. A risk retention group not chartered in this state and doing business in this state shall comply with a lawful order issued in a proceeding for voluntary dissolution or in a delinquency proceeding commenced by a commissioner of insurance of any state if there has been a finding of financial impairment after an examination conducted pursuant to subsection 1.

3. An order issued by a District Court of the United States, entered upon a finding that a risk retention group is in a hazardous financial condition, that enjoins the group from conducting operations or transacting insurance in any state, must be enforced by the district courts of this state.
Nev. Rev. Stat. § 682A.167 — NV Code / Title 57 / Chapter 682A / Section 682A.167
“Qualified business entity” defined
Status: in_force

“ Qualified business entity ” means a business entity that is:

1. An issuer of obligations or preferred stock that is rated 1 or 2 by the SVO or an issuer of obligations, preferred stock or derivative instruments that are rated the equivalent of 1 or 2 by the SVO or by a nationally recognized statistical rating organization recognized by the SVO; or

2. A primary dealer in United States government securities, recognized by the Federal Reserve Bank of New York.
Nev. Rev. Stat. § 686B.320 — NV Code / Title 57 / Chapter 686B / Section 686B.320
Conversion into domestic stock insurer: Issuance of certificate of authority
Status: in_force

Upon determining that the Association has complied with NRS 686B.280 to 686B.310 , inclusive, and all other requirements applicable to domestic stock insurers, the Commissioner may issue to the Association a certificate of authority to transact business as a domestic stock insurer.
Nev. Rev. Stat. § 686B.110 — NV Code / Title 57 / Chapter 686B / Section 686B.110
Approval or disapproval of rate proposals for kind or line of insurance other than health plans: Procedure; regulations
Status: in_force

1. Except as otherwise provided in NRS 686B.112 , the Commissioner shall consider each proposed increase or decrease in the rate of any kind or line of insurance or subdivision thereof filed with the Commissioner pursuant to subsection 1 of NRS 686B.070 . If the Commissioner finds that a proposed increase will result in a rate which is not in compliance with NRS 686B.050 or subsection 3 of NRS 686B.070 , the Commissioner shall disapprove the proposal. The Commissioner shall approve or disapprove each proposal no later than 30 days after it is determined by the Commissioner to be complete pursuant to subsection 6. If the Commissioner fails to approve or disapprove the proposal within that period, the proposal shall be deemed approved.

2. If the Commissioner disapproves a proposed increase or decrease in any rate pursuant to subsection 1, the Commissioner shall send a written notice of disapproval to the insurer or the rate service organization that filed the proposal. The notice must set forth the reasons the proposal is not in compliance with NRS 686B.050 or subsection 3 of NRS 686B.070 and must be sent to the insurer or the rate service organization not more than 30 days after the Commissioner determines that the proposal is complete pursuant to subsection 6.

3. Upon receipt of a written notice of disapproval from the Commissioner pursuant to subsection 2 or 6, the insurer or rate service organization may request that the Commissioner reconsider the proposed increase or decrease. The request for reconsideration must be received by the Commissioner not more than 30 days after the insurer or rate service organization receives the written notice of disapproval from the Commissioner, except that if the insurer or rate service organization requests, in writing, an extension of 30 additional days in which to request a reconsideration, the Commissioner shall grant the extension. A request for reconsideration submitted pursuant to this subsection may include, without limitation, any documents or other information for review by the Commissioner in reconsidering the proposal. The Commissioner shall approve or disapprove the proposal upon reconsideration not later than 30 days after receipt of the request for reconsideration and shall notify the insurer or rate service organization of his or her approval or disapproval.

4. Whenever an insurer has no legally effective rates as a result of the Commissioner's disapproval of rates or other act, the Commissioner shall on request specify interim rates for the insurer that are high enough to protect the interests of all parties and may order that a specified portion of the premiums be placed in an escrow account approved by the Commissioner. When new rates become legally effective, the Commissioner shall order the escrowed funds or any overcharge in the interim rates to be distributed appropriately, except that refunds to policyholders that are de minimis must not be required.

5. If the Commissioner disapproves a proposed rate pursuant to subsection 1 or subsection 6 or upon reconsideration pursuant to subsection 3 and an insurer requests a hearing to determine the validity of the action of the Commissioner, the insurer has the burden of showing compliance with the applicable standards for rates established in NRS 686B.010 to 686B.1799 , inclusive. Any such hearing must be held: (a) Within 30 days after the request for a hearing has been submitted to the Commissioner; or (b) Within a period agreed upon by the insurer and the Commissioner. If the hearing is not held within the period specified in paragraph (a) or (b), or if the Commissioner fails to issue an order concerning the proposed rate for which the hearing is held within 45 days after the hearing, the proposed rate shall be deemed approved.

6. The Commissioner shall by regulation specify the documents or any other information which must be included in a proposal to increase or decrease a rate submitted to the Commissioner pursuant to subsection 1. Each such proposal shall be deemed complete upon its filing with the Commissioner, unless the Commissioner, within 15 business days after the proposal is filed with the Commissioner, determines that the proposal is incomplete because the proposal does not comply with the regulations adopted by the Commissioner pursuant to this subsection. The Commissioner shall notify the insurer or rate service organization if the Commissioner determines that the proposal is incomplete. The notice must be sent within 15 business days after the proposal is filed with the Commissioner and must set forth the documents or other information that is required to complete the proposal. The Commissioner may disapprove the proposal if the insurer or rate service organization fails to provide the documents or other information to the Commissioner within 30 days after the insurer or rate service organization receives the notice that the proposal is incomplete. If the Commissioner disapproves the proposal pursuant to this subsection, the Commissioner shall notify the insurer or rate service organization of that fact in writing.
Nev. Rev. Stat. § 695B.1931 — NV Code / Title 57 / Chapter 695B / Section 695B.1931
Contract prohibited from excluding coverage relating to treatment of temporomandibular joint; exception
Status: in_force

1. Except as otherwise provided in this section, no contract for hospital or medical service may be delivered or issued for delivery in this state if it contains an exclusion of coverage of the treatment of the temporomandibular joint whether by specific language in the contract or by a claims settlement practice. A contract for hospital or medical service may exclude coverage of those methods of treatment which are recognized as dental procedures, including, but not limited to, the extraction of teeth and the application of orthodontic devices and splints.

2. Pursuant to a contract for hospital or medical service, a corporation may limit its liability on the treatment of the temporomandibular joint to: (a) No more than 50 percent of the usual and customary charges for such treatment actually received by a subscriber, but in no case more than 50 percent of the maximum benefits provided by the contract for such treatment; and (b) Treatment which is medically necessary.

3. Any provision of a contract subject to the provisions of this chapter and issued or delivered on or after January 1, 1990, which is in conflict with this section is void.
Nev. Rev. Stat. § 688C.350 — NV Code / Title 57 / Chapter 688C / Section 688C.350
Applicability and interpretation of provisions
Status: in_force

NRS 688C.350 to 688C.430 , inclusive, apply to advertising of viatical settlements, agreements to purchase viatical settlements or related products or services intended for dissemination in this state, including advertising on the Internet which is viewed by persons in this state. To the extent that federal regulation establishes requirements for disclosure, those sections must be so interpreted as to eliminate or minimize conflict with the federal requirements.
Nev. Rev. Stat. § 692C.3532 — NV Code / Title 57 / Chapter 692C / Section 692C.3532
Contents of ORSA Summary Report
Status: in_force

An ORSA Summary Report must be prepared consistent with the ORSA Guidance Manual , subject to the requirements of this section and NRS 692C.3534 . Documentation and supporting information must be maintained and made available upon examination or upon request of the Commissioner.
Nev. Rev. Stat. § 695B.150 — NV Code / Title 57 / Chapter 695B / Section 695B.150
Insolvency; determination of financial condition; actions by Commissioner; review; regulations
Status: in_force

1. A corporation organized under this chapter shall be deemed to be insolvent if: (a) The corporation fails to meet its obligations as they mature; (b) The assets of the corporation are less than the sum of its liabilities and the minimum surplus required to be maintained by the corporation under this Code for authority to transact the kinds of insurance transacted; and (c) The reserve fund of the corporation is less than the amounts set forth in NRS 695B.140 .

2. In addition to the provisions of subsection 1, a corporation organized under this chapter shall be deemed to be insolvent as otherwise expressly provided in this Code.

3. For the purposes of determining insolvency pursuant to subsection 1 or 2 and the financial condition of the corporation, for the purposes of preparation of annual statements, and for all other purposes not otherwise expressly provided for in this chapter, the corporation is subject to all requirements of the laws of the State of Nevada as to assets, liabilities and reserves which are applicable to mutual nonassessable life or health insurers.

4. A corporation organized under this chapter shall be deemed to be impaired if the assets of the corporation are less than the sum of its liabilities and the minimum surplus required to be maintained by the corporation under this Code for authority to transact the kinds of insurance transacted.

5. The Commissioner may adopt regulations to define when a corporation organized under this chapter is considered to be in a hazardous financial condition and to set forth the standards to be considered by the Commissioner in determining whether the continued operation of such a corporation transacting business in this State may be considered to be hazardous to its insureds or creditors or to the general public.

6. If the Commissioner determines after a hearing that any corporation organized under this chapter is in a hazardous financial condition, the Commissioner may, instead of suspending or revoking the certificate of authority of the corporation, limit the certificate of authority as the Commissioner deems reasonably necessary to correct, eliminate or remedy any conduct, condition or ground that is deemed to be a cause of the hazardous financial condition.

7. An order or decision of the Commissioner under this section is subject to review in accordance with NRS 679B.310 to 679B.370 , inclusive, at the request of any party to the proceedings whose interests are substantially affected.
Nev. Rev. Stat. § 695A.475 — NV Code / Title 57 / Chapter 695A / Section 695A.475
Liability of directors, officers, employees, members and volunteers; indemnification and reimbursement of directors, officers, employees and agents
Status: in_force

1. The officers and members of the supreme governing body or any subordinate body of a society are not personally liable for payment of any benefits provided by the society.

2. A person may be indemnified and reimbursed by a society for expenses reasonably incurred by, and liabilities imposed upon, the person in connection with or arising out of any action, suit or proceeding, whether civil, criminal, administrative or investigative, or threat thereof, in which the person may be involved because the person is or was a director, officer, employee or agent of the society or of any firm, corporation or organization which the person served in any capacity at the request of the society.

3. A person may not be so indemnified or reimbursed as to any matter in an action, suit or proceeding, or threat thereof, in which the person is finally adjudged to be guilty of a breach of a duty as a director, officer, employee or agent of the society, or which is made the subject of a compromise settlement, unless: (a) The person acted in good faith for a purpose the person reasonably believed to be in the best interests of the society; and (b) If a criminal action, the person had no reasonable cause to believe that his or her conduct was unlawful.

4. The determination of whether the conduct of a person meets the standard required for indemnification and reimbursement may only be made by: (a) The supreme governing body or board of directors by a majority vote of a quorum consisting of persons who were not parties to the action, suit or proceeding; or (b) A court of competent jurisdiction.

5. The termination of any action, suit or proceeding by judgment, order, settlement or conviction, or upon a plea of nolo contendere, does not create a conclusive presumption that the person does not meet the standard of conduct required for indemnification and reimbursement.

6. The right of indemnification and reimbursement does not exclude other rights to which the person may be entitled as a matter of law, and inures to the benefit of the person’s heirs, executors and administrators.

7. A society may purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or agent of the society, or who is serving or has served at the request of the society as a director, officer, employee or agent of any other firm, corporation or organization, against any liability asserted against and incurred by the person in that capacity or arising out of the status of the person as such, whether or not the society may indemnify the person against liability pursuant to this section.

8. A director, officer, employee, member or volunteer of a society who serves without compensation is not liable, and no cause of action may be brought for damages resulting from his or her exercise of judgment or discretion in carrying out his or her duties or responsibilities on behalf of the society, unless the act or omission involved willful or wanton misconduct.
Nev. Rev. Stat. § 689.530 — NV Code / Title 57 / Chapter 689 / Section 689.530
Agent's license: Period of validity; renewal; fees for renewal; expiration
Status: in_force

<See notes for changes to this section effective under certain conditions.>

1. Each agent's license issued or renewed pursuant to NRS 689.450 to 689.595 , inclusive, continues in effect for 3 years unless it is suspended, revoked or otherwise terminated.

2. An agent's license may be renewed, unless it has been suspended or revoked, at the request of the holder of a valid seller's permit upon filing a written request for renewal accompanied by all applicable fees for renewal and the statement required pursuant to NRS 689.258 . All applicable fees for renewal are not refundable.

3. An agent's license which is not renewed expires on the renewal date. The Commissioner may accept a request for renewal which is received by the Commissioner within 30 days after the expiration of the license if the request is accompanied by a fee for renewal of 150 percent of all applicable fees otherwise required, except for any fee required pursuant to NRS 680C.110 , and the statement required pursuant to NRS 689.258 .

4. An agent's license is valid only while the agent is employed by a holder of a valid seller's permit.

5. As used in this section, “ renewal date ” means: (a) For the first renewal of the license, the last day of the month which is 3 years after the month in which the Commissioner originally issued the license. (b) For each renewal after the first renewal of the license, the last day of the month which is 3 years after the month in which the license was last due to be renewed.
Nev. Rev. Stat. § 689A.505 — NV Code / Title 57 / Chapter 689A / Section 689A.505
“Creditable coverage” defined
Status: in_force

“ Creditable coverage ” means, with respect to a person, health benefits or coverage provided pursuant to:

1. A group health plan;

2. A health benefit plan;

3. Part A or Part B of Title XVIII of the Social Security Act, 42 U.S.C. §§ 1395c et seq., also known as Medicare;

4. Title XIX of the Social Security Act, 42 U.S.C. §§ 1396 et seq., also known as Medicaid, other than coverage consisting solely of benefits under section 1928 of that Title, 42 U.S.C. § 1396s ;

5. The Civilian Health and Medical Program of Uniformed Services, CHAMPUS, 10 U.S.C. §§ 1071 et seq. ;

6. A medical care program of the Indian Health Service or of a tribal organization;

7. A state health benefit risk pool;

8. A health plan offered pursuant to the Federal Employees Health Benefits Program, FEHBP, 5 U.S.C. §§ 8901 et seq. ;

9. A public health plan as defined in 45 C.F.R. § 146.113 , authorized by the Public Health Service Act, 42 U.S.C. § 300gg(c)(1)(I) ;

10. A health benefit plan under section 5(e) of the Peace Corps Act, 22 U.S.C. § 2504(e) ;

11. The Children's Health Insurance Program established pursuant to 42 U.S.C. §§ 1397aa to 1397jj , inclusive;

12. A short-term health insurance policy; or

13. A blanket student accident and health insurance policy.
Nev. Rev. Stat. § 690D.010 — NV Code / Title 57 / Chapter 690D / Section 690D.010
Definitions
Status: in_force

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 690D.020 to 690D.075 , inclusive, have the meanings ascribed to them in those sections.
Nev. Rev. Stat. § 694C.010 — NV Code / Title 57 / Chapter 694C / Section 694C.010
Definitions
Status: in_force

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 694C.020 to 694C.150 , inclusive, have the meanings ascribed to them in those sections.
Nev. Rev. Stat. § 688C.213 — NV Code / Title 57 / Chapter 688C / Section 688C.213
Probation of broker or investment agent of viatical settlements for acting in bad faith
Status: in_force

The Commissioner may place a broker or investment agent of viatical settlements on probation if the Commissioner finds that the broker or investment agent of viatical settlements has acted in bad faith with regard to a viator.
Nev. Rev. Stat. § 682A.275 — NV Code / Title 57 / Chapter 682A / Section 682A.275
Qualifications for equivalent securities
Status: in_force

To qualify as equivalent securities, the securities must be:

1. In a securities lending transaction, securities that are identical to the loaned securities in all features including the amount of the loaned securities, except as to certificate number if held in physical form, but if any different security is exchanged for a loaned security by recapitalization, merger, consolidation or other corporate action, the different security shall be deemed to be the loaned security;

2. In a repurchase transaction, securities that are identical to the purchased securities in all features including the amount of the purchased securities, except as to the certificate number if held in physical form; or

3. In a reverse repurchase transaction, securities that are identical to the sold securities in all features including the amount of the sold securities, except as to the certificate number if held in physical form.
Nev. Rev. Stat. § 690B.490 — NV Code / Title 57 / Chapter 690B / Section 690B.490
Required cooperation and sharing of information during investigation
Status: in_force

In any investigation relating to tort liability arising from the operation of a motor vehicle, each transportation network company, driver and monitored autonomous vehicle provider, and each insurer providing transportation network company insurance to a transportation network company, driver or monitored autonomous vehicle provider who is involved in the underlying incident shall cooperate with any other party to the incident and any other insurer involved in the investigation and share information, including, without limitation:

1. The date and time of an accident or motor vehicle crash involving a driver or monitored autonomous vehicle provider.

2. The dates and times that the driver or monitored autonomous vehicle provider involved in an accident or motor vehicle crash logged into the digital network or software application service of the transportation network company for a period of 12 hours immediately preceding and 12 hours immediately following the accident or motor vehicle crash.

3. The dates and times that the driver or monitored autonomous vehicle provider involved in an accident or motor vehicle crash logged out of the digital network or software application service of the transportation network company for a period of 12 hours immediately preceding and 12 hours immediately following the accident or motor vehicle crash.

4. A clear description of the coverage, exclusions and limits provided under any policy of transportation network company insurance which applies.
Nev. Rev. Stat. § 686C.130 — NV Code / Title 57 / Chapter 686C / Section 686C.130
Creation of Association; membership; operation; accounts; supervision by Commissioner
Status: in_force

1. There is hereby created a nonprofit legal entity to be known as the Nevada Life and Health Insurance Guaranty Association. All member insurers shall be and remain members of the Association as a condition of their authority to transact insurance or operate a health maintenance organization, as applicable, in this state. The Association shall perform its functions under the plan of operation established and approved pursuant to NRS 686C.290 and shall exercise its powers through a Board of Directors established pursuant to NRS 686C.140 .

2. For purposes of administration and assessment, the Association shall maintain two accounts: (a) The Health Account; and (b) The Life and Annuity Account, which consists of: (1) The Subaccount for Life Insurance; and (2) The Subaccount for Annuities, including annuities owned by a governmental retirement plan, or its trustees, established under section 401 , 403(b) or 457 of the Internal Revenue Code , 26 U.S.C. §§ 401 , 403(b) and 457 .

3. The Association is under the immediate supervision of the Commissioner and is subject to the applicable provisions of the Nevada Insurance Code. Meetings or records of the Association may be opened to the public by majority vote of the Board of Directors.
Nev. Rev. Stat. § 689C.455 — NV Code / Title 57 / Chapter 689C / Section 689C.455
Coverage for prescription drugs: Provision of notice and information regarding use of formulary
Status: in_force

1. A carrier that offers or issues a contract which provides coverage for prescription drugs shall include with any summary, certificate or evidence of that coverage provided to an insured, notice of whether a formulary is used and, if so, of the opportunity to secure information regarding the formulary from the carrier pursuant to subsection 2. The notice required by this subsection must: (a) Be in a language that is easily understood and in a format that is easy to understand; (b) Include an explanation of what a formulary is; and (c) If a formulary is used, include: (1) An explanation of: (I) How often the contents of the formulary are reviewed; and (II) The procedure and criteria for determining which prescription drugs are included in and excluded from the formulary; and (2) The telephone number of the carrier for making a request for information regarding the formulary pursuant to subsection 2.

2. If a carrier offers or issues a contract which provides coverage for prescription drugs and a formulary is used, the carrier shall: (a) Provide to any insured or participating provider of health care, upon request: (1) Information regarding whether a specific drug is included in the formulary. (2) Access to the most current list of prescription drugs in the formulary, organized by major therapeutic category, with an indication of whether any listed drugs are preferred over other listed drugs. If more than one formulary is maintained, the carrier shall notify the requester that a choice of formulary lists is available. (b) Notify each person who requests information regarding the formulary, that the inclusion of a drug in the formulary does not guarantee that a provider of health care will prescribe that drug for a particular medical condition.
Nev. Rev. Stat. § 689C.530 — NV Code / Title 57 / Chapter 689C / Section 689C.530
Filing reports; annual renewal fee; regulations
Status: in_force

A voluntary purchasing group shall:

1. File any reports required by the Commissioner; and

2. Pay a renewal fee established by the Commissioner by regulation to recover the direct costs to the Division to determine annually that a voluntary purchasing group is in compliance with NRS 689C.490 to 689C.600 , inclusive.
Nev. Rev. Stat. § 685B.180 — NV Code / Title 57 / Chapter 685B / Section 685B.180
Review of order; time order becomes final
Status: in_force

1. An order issued pursuant to NRS 685B.170 may be reviewed pursuant to NRS 679B.370 .

2. Such an order becomes final: (a) Upon the expiration of the time for taking an appeal, if no petition for review has been filed; or (b) Upon the final decision of the court.
Nev. Rev. Stat. § 688B.150 — NV Code / Title 57 / Chapter 688B / Section 688B.150
Information to debtor
Status: in_force

A policy issued to a creditor to insure debtors of such creditor shall contain a provision that the insurer will furnish to the policyholder for delivery to each debtor insured under the policy a form which will contain a statement that the life of the debtor is insured under the policy and that any death benefit paid thereunder by reason of the death of the debtor shall be applied to reduce or extinguish the indebtedness.
Nev. Rev. Stat. § 692C.292 — NV Code / Title 57 / Chapter 692C / Section 692C.292
Authorized use of and prohibited statements regarding group capital calculations, liquidity stress tests and related information
Status: in_force

1. The group capital calculation and resulting group capital ratio required under subsection 3 of NRS 692C.290 and the liquidity stress test along with its results and supporting disclosures required under subsection 7 of NRS 692C.290 may be used as regulatory tools for assessing group risks and capital adequacy and group liquidity risks, respectively, and must not be used to rank insurers or insurance holding company systems generally.

2. Except as authorized by subsection 3 or as otherwise required in this chapter, a person shall not engage in the making, publishing, disseminating, circulating or placing before the public, or causing directly or indirectly to be made, published, disseminated, circulated or placed before the public, in a newspaper, magazine or other publication, or in the form of a notice, circular, pamphlet, letter or poster, or over any radio or television station or any electronic means of communication available to the public, or in any other way, an advertisement, announcement or statement containing a representation or statement with regard to the group capital calculation, group capital ratio, liquidity stress test results or supporting disclosures for the liquidity stress test of any insurer or any insurer group, or any component derived in the calculation by any insurer, broker or other person engaged in any manner in the insurance business, and any such action shall be deemed by the Commissioner to be misleading.

3. If any materially false statement with respect to the group capital calculation, resulting group capital ratio, liquidity stress test result or supporting disclosures for the liquidity stress test or an inappropriate comparison of any amount to an insurer's or insurance group's group capital calculation, resulting group capital ratio, liquidity stress test result or supporting disclosures is published in any written publication and the insurer is able to demonstrate to the Commissioner with substantial proof the falsity of such a statement or the inappropriateness of such a comparison, as the case may be, then the insurer may publish announcements in a written publication if the sole purpose of the announcement is to rebut the materially false statement or inappropriate comparison.
Nev. Rev. Stat. § 685B.050 — NV Code / Title 57 / Chapter 685B / Section 685B.050
Service of process on unauthorized insurer
Status: in_force

1. Any act of transacting an insurance business as set forth in NRS 685B.030 by any unauthorized insurer is equivalent to and constitutes an irrevocable appointment by such an insurer, binding upon the insurer, the insurer’s executor or administrator, or successor in interest if a corporation, of the Commissioner or the successor in office of the Commissioner, to be the true and lawful attorney of such an insurer upon whom may be served all lawful process in any action, suit or proceeding in any court by the Commissioner or by the State and upon whom may be served any notice, order, pleading or process in any proceeding before the Commissioner and which arises out of transacting an insurance business in this state by such an insurer. Any act of transacting an insurance business in this state by any unauthorized insurer is signification of its agreement that any such lawful process in such a court action, suit or proceeding and any such notice, order, pleading or process in such an administrative proceeding before the Commissioner so served is of the same legal force and validity as personal service or process in this state upon such an insurer.

2. Service of process in such an action must be made by delivering to and leaving with the Commissioner, or some person in apparent charge of the office of the Commissioner, two copies thereof and by payment to the Commissioner of the fee prescribed by law. Service upon the Commissioner as attorney is service upon the principal.

3. The Commissioner shall forthwith forward by certified mail one of the copies of such process or such notice, order, pleading or process in proceedings before the Commissioner to the defendant in such a court proceeding or to whom the notice, order, pleading or process in such an administrative proceeding is addressed or directed at its last known principal place of business and shall keep a record of all process so served on him or her which must show the day and hour of service. Such service is sufficient if: (a) Notice of such service and a copy of the court process or the notice, order, pleading or process in such an administrative proceeding are sent within 10 days thereafter by certified mail by the plaintiff or the plaintiff's attorney in the court proceeding or by the Commissioner in the administrative proceeding to the defendant in the court proceeding or to whom the notice, order, pleading or process in such an administrative proceeding is addressed or directed at the last known principal place of business of the defendant in the court or administrative proceeding. (b) The defendant's receipt or receipts issued by the post office with which the letter is certified, showing the name of the sender of the letter and the name and address of the person or insurer to whom the letter is addressed, and an affidavit of the plaintiff or the plaintiff's attorney in a court proceeding or of the Commissioner in an administrative proceeding, showing compliance therewith are filed with the clerk of the court in which such an action, suit or proceeding is pending or with the Commissioner in administrative proceedings, on or before the date the defendant in the court or administrative proceedings is required to appear or respond thereto, or within such further time as the court or Commissioner may allow.

4. No plaintiff is entitled to a judgment or determination by default in any court or administrative proceeding in which court process or notice, order, pleading or process in proceedings before the Commissioner is served under this section until 45 days after the date of filing of the affidavit of compliance.

5. For the purposes of this section, “process” in an action in a court includes only a summons or the initial documents served in such an action. The Commissioner is not required to serve any documents in such an action after the initial service of process.

6. Nothing in this section limits or affects the right to serve any process, notice, order or demand upon any person or insurer in any other manner permitted by law.
Nev. Rev. Stat. § 689B.360 — NV Code / Title 57 / Chapter 689B / Section 689B.360
“Carrier” defined
Status: in_force

“ Carrier ” means any person who provides health insurance in this state, including a fraternal benefit society, a health maintenance organization, a nonprofit hospital and health service corporation, a health insurance company and any other person providing a plan of health insurance or health benefits subject to this Title.
Nev. Rev. Stat. § 689C.053 — NV Code / Title 57 / Chapter 689C / Section 689C.053
“Creditable coverage” defined
Status: in_force

“ Creditable coverage ” means health benefits or coverage provided to a person pursuant to:

1. A group health plan;

2. A health benefit plan;

3. Part A or Part B of Title XVIII of the Social Security Act, 42 U.S.C. §§ 1395c et seq., also known as Medicare;

4. Title XIX of the Social Security Act, 42 U.S.C. §§ 1396 et seq., also known as Medicaid, other than coverage consisting solely of benefits under section 1928 of that Title, 42 U.S.C. § 1396s ;

5. The Civilian Health and Medical Program of Uniformed Services, CHAMPUS, 10 U.S.C. §§ 1071 et seq. ;

6. A medical care program of the Indian Health Service or of a tribal organization;

7. A state health benefit risk pool;

8. A health plan offered pursuant to the Federal Employees Health Benefits Program, FEHBP, 5 U.S.C. §§ 8901 et seq. ;

9. A public health plan as defined in federal regulations authorized by the Public Health Service Act, 42 U.S.C. § 300gg(c)(1)(I) ;

10. A health benefit plan under section 5(e) of the Peace Corps Act, 22 U.S.C. § 2504(e) ;

11. The Children's Health Insurance Program established pursuant to 42 U.S.C. §§ 1397aa to 1397jj , inclusive;

12. A short-term health insurance policy; or

13. A blanket student accident and health insurance policy.
Nev. Rev. Stat. § 686C.200 — NV Code / Title 57 / Chapter 686C / Section 686C.200
Subrogation
Status: in_force

1. A person receiving benefits under this chapter shall be deemed to have assigned his or her rights under, and any causes of action against any person for losses arising under, resulting from or otherwise relating to, the covered policy or contract to the Association to the extent of the benefits received because of this chapter, whether the benefits are payments of or on account of contractual obligations, continuation of coverage or provision of substitute or alternative coverages. The Association may require an assignment to it of those rights and causes of action by any payee, policy or contract owner, certificate holder, enrollee, beneficiary, insured or annuitant as a condition precedent to the receipt of any rights or benefits conferred by this chapter upon that person.

2. The rights of the Association to subrogation under this subsection have the same priority against the assets of the impaired or insolvent insurer as that possessed by the person entitled to receive benefits under this chapter.

3. In addition to the rights provided under subsections 1 and 2, the Association has all rights of subrogation at common law and any other equitable or legal remedy which would have been available to the impaired or insolvent insurer or the owner, beneficiary or payee of a policy or contract, a certificate holder or an enrollee with respect to the policy or contract, including, in the case of a structured settlement annuity, any rights of the owner, beneficiary or payee of the annuity, to the extent of benefits received under this chapter, against a person originally or by succession responsible for the losses arising from the personal injury relating to the annuity or payment for it, except any such person responsible solely by reason of serving as an assignee under section 130 of the Internal Revenue Code , 26 U.S.C. § 130 .

4. If the provisions of subsections 1, 2 and 3 are invalid or ineffective with respect to any person or any claim for any reason, the amount payable to the Association with respect to the related covered obligations is reduced by the amount realized by any other person with respect to the person or claim which is attributable to the policies or contracts or portions thereof covered by the Association.

5. If the Association has provided benefits with respect to a covered obligation and a person recovers amounts as to which the Association has rights under subsections 1 to 4, inclusive, the person shall pay to the Association the portion of the recovery attributable to the policies or contracts or portions thereof covered by the Association.
Nev. Rev. Stat. § 687B.126 — NV Code / Title 57 / Chapter 687B / Section 687B.126
Readability of policies: Filing policy for Commissioner's approval; exceptions to score requirements on Flesch test
Status: in_force

1. An insurer shall file a copy of the policy with the Commissioner accompanied by a certificate signed by an officer of the insurer stating that the policy meets the score required for reading ease or stating that the score is lower than the minimum required and requesting that it be approved in accordance with subsection 2. Upon the request of the Commissioner, the insurer shall furnish additional information to verify the accuracy of the certification.

2. The Commissioner may approve a policy which has a score lower than required whenever the Commissioner finds that a lower score: (a) Provides a more accurate reflection of the readability of a policy; (b) Is necessitated by the nature of a particular type or class of policy; or (c) Is caused by language in the policy which is drafted in a particular manner so as to meet the requirements of any state law, regulation or interpretation of that law or regulation by a state agency.
Nev. Rev. Stat. § 690B.460 — NV Code / Title 57 / Chapter 690B / Section 690B.460
Required disclosures by transportation network companies to drivers
Status: in_force

Before allowing a natural person to be connected to a potential passenger using the digital network or software application service of a transportation network company to provide transportation services as a driver, a transportation network company shall, in writing:

1. Disclose the insurance coverage and limits of liability that the transportation network company provides for a driver while the driver is providing transportation services; and

2. Notify the person that: (a) His or her insurance for the operation of a motor vehicle required pursuant to NRS 485.185 may not provide coverage for the use of a motor vehicle to provide transportation services. (b) If comprehensive or collision coverage was purchased in addition to such insurance, the comprehensive or collision coverage may not apply to any damage which results from the use of the motor vehicle while a driver is providing transportation services or logged into the digital network or software application service of a transportation network company and available to receive requests for transportation services.

3. Disclose to the person that, if there is a lien against a vehicle used by a driver to provide transportation services, the driver must notify the lienholder that the vehicle is being used to provide transportation services.

4. Disclose to the person that the use of a vehicle to provide transportation services may violate the contract between a driver and a lienholder.
Nev. Rev. Stat. § 682A.013 — NV Code / Title 57 / Chapter 682A / Section 682A.013
“Accident and health insurance” defined
Status: in_force

“ Accident and health insurance ” means protection which provides payment of benefits for covered sickness or accidental injury. The term does not include credit insurance, disability insurance, accidental death and dismemberment insurance and long-term care insurance.
Nev. Rev. Stat. § 689A.0483 — NV Code / Title 57 / Chapter 689A / Section 689A.0483
Treatment by licensed marriage and family therapist or licensed clinical professional counselor
Status: in_force

If any policy of health insurance provides coverage for treatment of an illness which is within the authorized scope of practice of a licensed marriage and family therapist or licensed clinical professional counselor, the insured is entitled to reimbursement for treatment by a marriage and family therapist or clinical professional counselor who is licensed pursuant to chapter 641A of NRS .
Nev. Rev. Stat. § 693A.460 — NV Code / Title 57 / Chapter 693A / Section 693A.460
Meeting and vote of policyholders; notice
Status: in_force

1. Unless the Commissioner for good cause establishes a different time, the converting mutual shall, not less than 45 days after the date of the initial determination of approval by the Commissioner, hold a meeting of its policyholders at a reasonable time and place to vote upon the plan of conversion.

2. The converting mutual shall give notice not less than 30 days before the meeting, by first-class mail to the last known address of each policyholder, that the plan of conversion will be voted upon at a regular or special meeting of the policyholders. The notice must include, without limitation, a: (a) Brief description of the plan of conversion; (b) Statement that the Commissioner has initially approved the plan of conversion; and (c) Written proxy permitting the policyholder to vote for or against the plan of conversion.

3. The Commissioner shall supervise and direct the conducting of the vote on the plan of conversion as necessary to ensure that the vote is fair and consistent with the requirements of this section. Each policyholder is entitled to only one vote regardless of the number of policies owned by the policyholder.

4. A plan of conversion is approved only if not less than two-thirds of the policyholders voting in person or by proxy at the meeting vote in favor of the plan of conversion.

5. For the purposes of notice and voting, the policyholder of a policy of group insurance is the entity to which the group policy is issued and not any person covered under the group policy.
Nev. Rev. Stat. § 686C.220 — NV Code / Title 57 / Chapter 686C / Section 686C.220
General powers
Status: in_force

The Association may:

1. Enter into such contracts as are necessary or proper to carry out the provisions and purposes of this chapter.

2. Sue or be sued, including the taking of any legal action necessary or proper for recovery of any unpaid assessments under NRS 686C.230 or to settle claims or potential claims against it.

3. Borrow money to effect the purposes of this chapter. Any notes or other evidence of indebtedness of the Association not in default are legal investments for domestic insurers and may be carried as admitted assets.

4. Employ or retain such persons as are necessary or appropriate to handle the financial transactions of the Association, and to perform such other functions as become necessary or proper under this chapter.

5. Take such legal action as may be necessary or appropriate to avoid or recover payment of improper claims.

6. Exercise, for the purposes of this chapter and to the extent approved by the Commissioner, the powers of a domestic life or health insurer or health maintenance organization, but in no case may the Association issue insurance policies or annuities other than those issued to perform its contractual obligations under this chapter.

7. Join an organization of one or more other state associations having similar purposes, to further the purposes and administer the powers and duties of the Association.

8. Organize itself as a corporation or in other legal form permitted by the laws of this state.

9. Request information from a person seeking coverage from the Association to aid the Association in determining its obligations under this chapter with respect to the person, and the person shall promptly comply with the request.

10. Except where otherwise provided by law, in accordance with the terms and conditions of the applicable policy or contract, file for actuarially justified rate or premium increases for any policy for which the Association provides coverage under the provisions of this chapter.

11. Take other necessary or appropriate action to perform its duties and discharge its obligations under this chapter or to exercise its power under this chapter.
Nev. Rev. Stat. § 683A.378 — NV Code / Title 57 / Chapter 683A / Section 683A.378
Prerequisites to conducting utilization review; registration of agent; plan for utilization review; agent to report material changes; renewal of registration
Status: in_force

1. A person shall not conduct utilization review unless the person is: (a) Registered with the Commissioner as an agent who performs utilization review and has a medical director who is a physician or, in the case of an agent who reviews dental services, a dentist, licensed in any state; or (b) Employed by a registered agent who performs utilization review.

2. A person may apply for registration by filing with the Commissioner the fee specified in NRS 680B.010 and, in addition to any other fee or charge, all applicable fees required pursuant to NRS 680C.110 and the following information on a form provided by the Commissioner: (a) The applicant's name, address, telephone number, valid electronic mail address and normal business hours; (b) The name and telephone number of a person the Commissioner may contact for information concerning the applicant; (c) The name of the medical director of the applicant and the state in which he or she is licensed to practice medicine or dentistry; and (d) A summary of the plan for utilization review, including procedures for appealing determinations made through utilization review.

3. An agent who performs utilization review shall file with the Commissioner any material changes in the information provided pursuant to subsection 1 within 30 days after the change occurs.

4. The Commissioner shall not evaluate the plan submitted pursuant to paragraph (d) of subsection 2. The Commissioner shall make the plan available upon request and shall charge a reasonable fee for providing a copy of the plan.

5. Registration pursuant to this section must be renewed on or before March 1 of each year by providing the information specified in subsection 2 and paying the renewal fee specified in NRS 680B.010 and, in addition to any other fee or charge, all applicable fees required pursuant to NRS 680C.110 .
Nev. Rev. Stat. § 688C.280 — NV Code / Title 57 / Chapter 688C / Section 688C.280
Acquisition of certain documents by provider or broker of viatical settlements before entry into settlement; notice to issuer of policy; requests for and responses related to verification of coverage
Status: in_force

1. A provider of viatical settlements who enters into a settlement shall first obtain: (a) If the viator is the insured, a written statement from a licensed attending physician that the viator is of sound mind and under no constraint or undue influence to enter into a settlement; (b) A witnessed document in which the viator: (1) Consents to the viatical settlement; (2) Represents that he or she has a full and complete understanding of the settlement and of the benefits of the policy; (3) Acknowledges that he or she has entered into the settlement freely and voluntarily; and (4) If applicable to determine a payment to a person terminally or chronically ill, acknowledges that he or she is terminally or chronically ill and that the illness was diagnosed after the policy was issued; and (c) A document in which the insured consents to the release of his or her medical records to a provider or broker of viatical settlements and the insurer that issued the policy covering the insured.

2. Within 20 days after a viator executes documents necessary to transfer rights under a policy, or enters into an agreement in any form, express or implied, to viaticate the policy, the provider of viatical settlements shall give written notice to the issuer of the policy that the policy has or will become viaticated. The notice must be accompanied by: (a) A copy of the release of medical records; (b) The application for the viatical settlement; and (c) A request for verification of coverage.

3. Any of the acts described in subsections 1 and 2, if performed by a broker of viatical settlements, will be deemed to have been performed by the provider of viatical settlements for the purposes of fulfilling the requirements of subsections 1 and 2.

4. Within 30 days after receiving a request for verification of coverage from a provider or broker of viatical settlements, an insurer shall respond by: (a) Verifying coverage; and (b) Indicating whether, on the basis of the medical evidence and documents provided, the insurer intends to pursue an investigation regarding the validity of the insurance or possible fraud.
Nev. Rev. Stat. § 682B.055 — NV Code / Title 57 / Chapter 682B / Section 682B.055
Use of securities as deposit without delivery to Commissioner
Status: in_force

The Commissioner:

1. May allow an insurer to use securities as a deposit or as a part of a deposit without delivering the securities to the Commissioner under the conditions specified in regulations adopted pursuant to subsection 1 of NRS 680A.140 .

2. Shall allow any successor organization to the State Industrial Insurance System that was established by section 79 of chapter 642, Statutes of Nevada 1981, at page 1449, to use the money held in trust by the organization pursuant to NRS 616B.042 as a deposit or as a part of a deposit for authority to transact industrial insurance without delivering that money to the Commissioner.
Nev. Rev. Stat. § 683A.089 — NV Code / Title 57 / Chapter 683A / Section 683A.089
Delivery to insureds of communications of insurer
Status: in_force

The administrator shall deliver or cause to be delivered to insured persons any written communications of an insurer which are given to the administrator for delivery.
Nev. Rev. Stat. § 695G.127 — NV Code / Title 57 / Chapter 695G / Section 695G.127
Contracts between managed care organization and provider of health care: Managed care organization required to use form to obtain information on provider of health care; modification; submission by managed care organization of schedule of payments to provider
Status: in_force

1. A managed care organization shall not contract with a provider of health care to provide health care to an insured unless the managed care organization uses the form prescribed by the Commissioner pursuant to NRS 629.095 to obtain any information related to the credentials of the provider of health care.

2. A contract between a managed care organization and a provider of health care may be modified: (a) At any time pursuant to a written agreement executed by both parties. (b) Except as otherwise provided in this paragraph, by the managed care organization upon giving to the provider 45 days' written notice of the modification of the managed care organization's schedule of payments, including any changes to the fee schedule applicable to the provider's practice. If the provider fails to object in writing to the modification within the 45-day period, the modification becomes effective at the end of that period. If the provider objects in writing to the modification within the 45-day period, the modification must not become effective unless agreed to by both parties as described in paragraph (a).

3. If a managed care organization contracts with a provider of health care to provide health care services pursuant to chapter 689A, 689B, 689C, 695A, 695B or 695C of NRS , the managed care organization shall: (a) If requested by the provider of health care at the time the contract is made, submit to the provider of health care the schedule of payments applicable to the provider of health care; or (b) If requested by the provider of health care at any other time, submit to the provider of health care the schedule of payments, including any changes to the fee schedule applicable to the provider's practice, specified in paragraph (a) within 7 days after receiving the request.

4. As used in this section, “ provider of health care ” means a provider of health care who is licensed pursuant to chapter 630, 631, 632 or 633 of NRS .
Nev. Rev. Stat. § 686A.060 — NV Code / Title 57 / Chapter 686A / Section 686A.060
Replacement of life insurance: Statements required to be given to policyholder
Status: in_force

In addition to other powers of the Commissioner in respect thereto, the Commissioner may by regulation require persons who replace or offer or propose to replace existing life insurance with other life insurance, to leave with the policyholder written, signed and dated statements which fully and accurately compare the terms, conditions and benefits of the existing policy with the proposed policy.
Nev. Rev. Stat. § 697.060 — NV Code / Title 57 / Chapter 697 / Section 697.060
“Bail solicitor” defined
Status: in_force

“ Bail solicitor ” means a person employed by a bail agent to solicit bail transactions as a representative of the bail agent.
Nev. Rev. Stat. § 687A.097 — NV Code / Title 57 / Chapter 687A / Section 687A.097
Limitations on certain claims against person insured by insolvent insurer
Status: in_force

With regard to a claim for an amount described in paragraph (d) of subsection 2 of NRS 687A.033 , no such claim for any amount due any reinsurer, insurer, insurance pool, underwriting association, health maintenance organization, hospital plan corporation, professional health service corporation or self-insurer may be asserted against a person insured under a policy issued by an insolvent insurer other than to the extent such claim exceeds the Association obligation limitations set forth in NRS 687A.060 .
Nev. Rev. Stat. § 695B.1913 — NV Code / Title 57 / Chapter 695B / Section 695B.1913
Required provision concerning coverage for examination of person who is pregnant for certain diseases
Status: in_force

1. A hospital or medical services corporation that issues a policy of health insurance shall provide coverage for the examination of a person who is pregnant for the discovery of: (a) Chlamydia trachomatis , gonorrhea, hepatitis B and hepatitis C in accordance with NRS 442.013 . (b) Syphilis in accordance with NRS 442.010 .

2. The coverage required by this section must be provided: (a) Regardless of whether the benefits are provided to the insured by a provider of health care, facility or medical laboratory that participates in the network plan of the hospital or medical services corporation; and (b) Without prior authorization.

3. A policy of health insurance subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after July 1, 2021, has the legal effect of including the coverage required by subsection 1, and any provision of the policy that conflicts with the provisions of this section is void.

4. As used in this section: (a) “Medical laboratory” has the meaning ascribed to it in NRS 652.060 . (b) “ Network plan ” means a policy of health insurance offered by a hospital or medical services corporation under which the financing and delivery of medical care, including items and services paid for as medical care, are provided, in whole or in part, through a defined set of providers under contract with the hospital or medical services corporation. The term does not include an arrangement for the financing of premiums. (c) “Provider of health care” has the meaning ascribed to it in NRS 629.031 .
Nev. Rev. Stat. § 680A.500 — NV Code / Title 57 / Chapter 680A / Section 680A.500
Definitions
Status: in_force

As used in NRS 680A.500 to 680A.600 , inclusive, unless the context otherwise requires, the words and terms defined in NRS 680A.510 and 680A.520 have the meanings ascribed to them in those sections.
Nev. Rev. Stat. § 695A.265 — NV Code / Title 57 / Chapter 695A / Section 695A.265
Coverage for services provided through telehealth required to same extent as though provided in person or by other means; reimbursement for certain services provided through telehealth required in same amount as though provided in person or by other means; prohibited acts
Status: in_force

1. A benefit contract must include coverage for services provided to an insured through telehealth to the same extent as though provided in person or by other means.

2. A benefit contract must provide reimbursement for services described in subsection 1 in the same amount as though provided in person or by other means: (a) If the services: (1) Are received at an originating site described in 42 U.S.C. § 1395m(m)(4)(C) or furnished by a federally-qualified health center or a rural health clinic; and (2) Except for services described in paragraph (b), are not provided through audio-only interaction; or (b) For counseling or treatment relating to a mental health condition or a substance use disorder, including, without limitation, when such counseling or treatment is provided through audio-only interaction.

3. A society shall not: (a) Require an insured to establish a relationship in person with a provider of health care or provide any additional consent to or reason for obtaining services through telehealth as a condition to providing the coverage described in subsection 1 or the reimbursement described in subsection 2; (b) Require a provider of health care to demonstrate that it is necessary to provide services to an insured through telehealth or receive any additional type of certification or license to provide services through telehealth as a condition to providing the coverage described in subsection 1 or the reimbursement described in subsection 2; (c) Refuse to provide the coverage described in subsection 1 or the reimbursement described in subsection 2 because of: (1) The distant site from which a provider of health care provides services through telehealth or the originating site at which an insured receives services through telehealth; or (2) The technology used to provide the services; (d) Require covered services to be provided through telehealth as a condition to providing coverage for such services; or (e) Categorize a service provided through telehealth differently for purposes relating to coverage or reimbursement than if the service had been provided in person or through other means.

4. A benefit contract must not require an insured to obtain prior authorization for any service provided through telehealth that is not required for the service when provided in person. A benefit contract may require prior authorization for a service provided through telehealth if such prior authorization would be required if the service were provided in person or by other means.

5. The provisions of this section do not require a society to: (a) Ensure that covered services are available to an insured through telehealth at a particular originating site; (b) Provide coverage for a service that is not a covered service or that is not provided by a covered provider of health care; or (c) Enter into a contract with any provider of health care or cover any service if the society is not otherwise required by law to do so.

6. A benefit contract subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after July 1, 2023, has the legal effect of including the coverage required by this section, and any provision of the contract or the renewal which is in conflict with this section is void.

7. As used in this section: (a) “Distant site” has the meaning ascribed to it in NRS 629.515 . (b) “Federally-qualified health center” has the meaning ascribed to it in 42 U.S.C. § 1396d(1)(2)(B) . (c) “Originating site” has the meaning ascribed to it in NRS 629.515 . (d) “Provider of health care” has the meaning ascribed to it in NRS 439.820 . (e) “Rural health clinic” has the meaning ascribed to it in 42 U.S.C. § 1395x(aa)(2) . (f) “Telehealth” has the meaning ascribed to it in NRS 629.515 .
Nev. Rev. Stat. § 686B.090 — NV Code / Title 57 / Chapter 686B / Section 686B.090
Rates and supplementary information: Established based on factors or through modified use of rate service organization in certain circumstances
Status: in_force

1. An insurer shall establish rates and supplementary rate information for any market segment based on the factors in NRS 686B.060 . If an insurer has insufficient creditable loss experience, it may use rates and supplementary rate information prepared by a rate service organization, with modification for its own expense and loss experience.

2. An insurer may discharge its obligation under subsection 1 of NRS 686B.070 by giving notice to the Commissioner that it uses rates and supplementary rate information prepared by a designated rate service organization, with such information about modifications thereof as are necessary fully to inform the Commissioner. The insurer's rates and supplementary rate information shall be deemed those filed from time to time by the rate service organization, including any amendments thereto as filed, subject to the modifications filed by the insurer.
Nev. Rev. Stat. § 695D.215 — NV Code / Title 57 / Chapter 695D / Section 695D.215
Claims: Approval or denial; request for additional information; payment; interest on unpaid claim
Status: in_force

1. Except as otherwise provided in subsection 2, an organization for dental care shall approve or deny a claim relating to a plan for dental care within 30 days after the organization for dental care receives the claim. If the claim is approved, the organization for dental care shall pay the claim within 30 days after it is approved. If the approved claim is not paid within that period, the organization for dental care shall pay interest on the claim at the rate of interest established pursuant to NRS 99.040 . The interest must be calculated from the date the payment is due until the claim is paid.

2. If the organization for dental care requires additional information to determine whether to approve or deny the claim, it shall notify the claimant of its request for the additional information within 20 days after it receives the claim. The organization for dental care shall notify the provider of dental care of the reason for the delay in approving or denying the claim. The organization for dental care shall approve or deny the claim within 30 days after receiving the additional information. If the claim is approved, the organization for dental care shall pay the claim within 30 days after it receives the additional information. If the approved claim is not paid within that period, the organization for dental care shall pay interest on the claim in the manner prescribed in subsection 1.
Nev. Rev. Stat. § 692C.374 — NV Code / Title 57 / Chapter 692C / Section 692C.374
Group-wide supervision of internationally active insurance groups: “Group-wide supervisor” defined
Status: in_force

“ Group-wide supervisor ” means a regulatory official who is authorized to engage in conducting and coordinating supervision activities across an insurance group and who is determined or acknowledged by the Commissioner pursuant to NRS 692C.378 to have sufficient significant contacts with the internationally active insurance group.
Nev. Rev. Stat. § 694A.010 — NV Code / Title 57 / Chapter 694A / Section 694A.010
“Equity security” defined
Status: in_force

The term “ equity security ” when used in this chapter means:

1. Any stock or similar security;

2. Any security convertible, with or without consideration, into such a security, or carrying any warrant or right to subscribe to or purchase such a security;

3. Any such warrant or right; or

4. Any other security which the Commissioner deems to be of similar nature and considers necessary or appropriate, by such rules and regulations as the Commissioner may prescribe in the public interest or for the protection of investors, to treat as an equity security.
Nev. Rev. Stat. § 694C.035 — NV Code / Title 57 / Chapter 694C / Section 694C.035
“Alien captive insurer” defined
Status: in_force

“ Alien captive insurer ” means any insurer that is formed to write insurance business for its parents and affiliates and is licensed pursuant to the laws of an alien jurisdiction which imposes statutory or regulatory standards acceptable to the Commissioner on companies transacting the business of insurance in such jurisdiction.
Nev. Rev. Stat. § 695J.060 — NV Code / Title 57 / Chapter 695J / Section 695J.060
“Navigator” defined
Status: in_force

“ Navigator ” means a person or entity that meets the requirements of 45 C.F.R. § 155.210 and any other requirements of the Exchange.
Nev. Rev. Stat. § 685B.087 — NV Code / Title 57 / Chapter 685B / Section 685B.087
Penalty for transaction of unauthorized insurance business
Status: in_force

Any insurer who transacts any unauthorized insurance business as set forth in NRS 685B.030 is guilty of a category B felony and shall be punished as provided in NRS 193.130 .
Nev. Rev. Stat. § 689A.0412 — NV Code / Title 57 / Chapter 689A / Section 689A.0412
Coverage for examination of person who is pregnant for certain diseases required
Status: in_force

1. An insurer that issues a policy of health insurance shall provide coverage for the examination of a person who is pregnant for the discovery of: (a) Chlamydia trachomatis , gonorrhea, hepatitis B and hepatitis C in accordance with NRS 442.013 . (b) Syphilis in accordance with NRS 442.010 .

2. The coverage required by this section must be provided: (a) Regardless of whether the benefits are provided to the insured by a provider of health care, facility or medical laboratory that participates in the network plan of the insurer; and (b) Without prior authorization.

3. A policy of health insurance subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after July 1, 2021, has the legal effect of including the coverage required by subsection 1, and any provision of the policy that conflicts with the provisions of this section is void.

4. As used in this section: (a) “Medical laboratory” has the meaning ascribed to it in NRS 652.060 . (b) “ Network plan ” means a policy of health insurance offered by an insurer under which the financing and delivery of medical care, including items and services paid for as medical care, are provided, in whole or in part, through a defined set of providers under contract with the insurer. The term does not include an arrangement for the financing of premiums. (c) “Provider of health care” has the meaning ascribed to it in NRS 629.031 .
Nev. Rev. Stat. § 688A.410 — NV Code / Title 57 / Chapter 688A / Section 688A.410
Payment of life insurance proceeds; interest
Status: in_force

An insurer shall pay the proceeds of any benefits under a policy of life insurance not more than 30 days after the death of the insured. If the proceeds are not paid within this period, the insurer shall pay interest on the proceeds, at a rate which is not less than the current rate of interest on death proceeds on deposit with the insurer, from the date of death of the insured to the date when the proceeds are paid.
Nev. Rev. Stat. § 695G.1713 — NV Code / Title 57 / Chapter 695G / Section 695G.1713
Required provision concerning coverage for certain screenings and tests for breast cancer; prohibited acts
Status: in_force

1. A health care plan issued by a managed care organization must provide coverage for benefits payable for expenses incurred for: (a) A mammogram to screen for breast cancer annually for insureds who are 40 years of age or older. (b) An imaging test to screen for breast cancer on an interval and at the age deemed most appropriate, when medically necessary, as recommended by the insured's provider of health care based on personal or family medical history or additional factors that may increase the risk of breast cancer for the insured. (c) A diagnostic imaging test for breast cancer at the age deemed most appropriate, when medically necessary, as recommended by the insured's provider of health care to evaluate an abnormality which is: (1) Seen or suspected from a mammogram described in paragraph (a) or an imaging test described in paragraph (b); or (2) Detected by other means of examination.

2. A managed care organization must ensure that the benefits required by subsection 1 are made available to an insured through a provider of health care who participates in the network plan of the managed care organization.

3. Except as otherwise provided in subsection 5, a managed care organization that offers or issues a health care plan which provides coverage for prescription drugs shall not: (a) Except as otherwise provided in subsection 6, require an insured to pay a deductible, copayment, coinsurance or any other form of cost-sharing or require a longer waiting period or other condition to obtain any benefit provided in the health care plan pursuant to subsection 1; (b) Refuse to issue a health care plan or cancel a health care plan solely because the person applying for or covered by the plan uses or may use any such benefit; (c) Offer or pay any type of material inducement or financial incentive to an insured to discourage the insured from obtaining any such benefit; (d) Penalize a provider of health care who provides any such benefit to an insured, including, without limitation, reducing the reimbursement of the provider of health care; (e) Offer or pay any type of material inducement, bonus or other financial incentive to a provider of health care to deny, reduce, withhold, limit or delay access to any such benefit to an insured; or (f) Impose any other restrictions or delays on the access of an insured to any such benefit.

4. A health care plan subject to the provisions of this chapter that is delivered, issued for delivery or renewed on or after January 1, 2024, has the legal effect of including the coverage required by subsection 1, and any provision of the plan or the renewal which is in conflict with this section is void.

5. Except as otherwise provided in this section and federal law, a managed care organization may use medical management techniques, including, without limitation, any available clinical evidence, to determine the frequency of or treatment relating to any benefit required by this section or the type of provider of health care to use for such treatment.

6. If the application of paragraph (a) of subsection 3 would result in the ineligibility of a health savings account of an insured pursuant to 26 U.S.C. § 223 , the prohibitions of paragraph (a) of subsection 3 shall apply only for a qualified health care plan with respect to the deductible of such a health care plan after the insured has satisfied the minimum deductible pursuant to 26 U.S.C. § 223 , except with respect to items or services that constitute preventive care pursuant to 26 U.S.C. § 223(c)(2)(C) , in which case the prohibitions of paragraph (a) of subsection 3 shall apply regardless of whether the minimum deductible under 26 U.S.C. § 223 has been satisfied.

7. As used in this section: (a) “ Medical management technique ” means a practice which is used to control the cost or utilization of health care services or prescription drug use. The term includes, without limitation, the use of step therapy, prior authorization or categorizing drugs and devices based on cost, type or method of administration. (b) “ Network plan ” means a health care plan offered by a managed care organization under which the financing and delivery of medical care, including items and services paid for as medical care, are provided, in whole or in part, through a defined set of providers under contract with the managed care organization. The term does not include an arrangement for the financing of premiums. (c) “ Provider of health care ” has the meaning ascribed to it in NRS 629.031 . (d) “ Qualified health care plan ” means a health care plan issued by a managed care organization that has a high deductible and is in compliance with 26 U.S.C. § 223 for the purposes of establishing a health savings account.
Nev. Rev. Stat. § 687B.040 — NV Code / Title 57 / Chapter 687B / Section 687B.040
Insurable interest: Personal insurance
Status: in_force

1. Any natural person of competent legal capacity may procure or effect an insurance contract upon his or her own life or body for the benefit of any person. But a person shall not procure or cause to be procured any insurance contract upon the life or body of another individual unless the benefits under the contract are payable to the person insured or the personal representatives of the person insured, or to a person having, at the time when the contract was made, an insurable interest in the person insured.

2. A trust shall not procure, cause to be procured or hold an insurance contract upon the life of a person unless each beneficiary of the trust: (a) Has an insurable interest in the person insured; or (b) Is a charitable, benevolent, educational or religious institution, or an agency thereof, and is designated irrevocably as a beneficiary of the trust.

3. If the beneficiary, assignee or other payee under any contract made in violation of this section receives from the insurer any benefits thereunder accruing upon the death, disablement or injury of the person insured, the person insured or the executor or administrator of the person insured, as the case may be, may maintain an action to recover such benefits from the person so receiving them.

4. As used in this section, “ insurable interest ” as to such personal insurance means that every person has an insurable interest in the life, body and health of himself or herself, and of other persons as follows: (a) In the case of persons related closely by blood or by law, a substantial interest engendered by love and affection; and (b) In the case of other persons, a lawful and substantial economic interest in having the life, health or bodily safety of the person insured continue, as distinguished from an interest which would arise only by, or would be enhanced in value by, the death, disablement or injury of the person insured.

5. Before, on or after January 1, 1972, an individual party to a contract or option for the purchase or sale of an interest in a business partnership or firm, or of shares of stock of a corporation or of an interest in such shares, has an insurable interest in the life, body and health of each individual party to the contract and for the purposes of the contract only, in addition to any insurable interest which may otherwise exist as to the person.

6. An insurer is entitled to rely upon all statements, declarations and representations made by an applicant for insurance relative to the insurable interest of the applicant in the insured. An insurer does not incur legal liability except as otherwise set forth in the policy, by virtue of any untrue statements, declarations or representations so relied upon in good faith by the insurer.
Nev. Rev. Stat. § 684B.010 — NV Code / Title 57 / Chapter 684B / Section 684B.010
“Motor vehicle physical damage appraiser” defined
Status: in_force

As used in this Code “motor vehicle physical damage appraiser” means any person, partnership, association or corporation who, for a separate fee, practices as a business the appraising of damages to motor vehicles insured under automobile physical damage policies or on behalf of third-party claimants.
Nev. Rev. Stat. § 681B.0071 — NV Code / Title 57 / Chapter 681B / Section 681B.0071
“Valuation Manual” defined
Status: in_force

“ Valuation Manual ” means the Valuation Manual adopted by the National Association of Insurance Commissioners on December 2, 2012, and as subsequently amended by the NAIC.
Nev. Rev. Stat. § 695C.201 — NV Code / Title 57 / Chapter 695C / Section 695C.201
Offering policy of health insurance for purposes of establishing health savings account
Status: in_force

A health maintenance organization may, subject to regulation by the Commissioner, offer a policy of health insurance that has a high deductible and is in compliance with 26 U.S.C. § 223 for the purposes of establishing a health savings account.
Nev. Rev. Stat. § 691C.190 — NV Code / Title 57 / Chapter 691C / Section 691C.190
“Net debt” defined
Status: in_force

“ Net debt ” means the amount required to liquidate the remaining debt in a single lump-sum payment, excluding all unearned interest and other unearned finance charges.
Nev. Rev. Stat. § 679B.650 — NV Code / Title 57 / Chapter 679B / Section 679B.650
Investigative authority of Commissioner
Status: in_force

To investigate violations of the provisions of this title, or to assist the Attorney General or other local, state or federal investigative and law enforcement agencies in investigating an act of insurance fraud, the Commissioner may:

1. Designate employees of the Division as investigators to carry out the provisions of NRS 679B.600 to 679B.700 , inclusive.

2. Conduct investigations into such activities occurring outside this state, if necessary. To conduct these investigations, the Commissioner or the investigators of the Commissioner may: (a) Travel outside this state; (b) Cooperate with appropriate agencies or persons outside this state; or (c) Designate those agencies to conduct investigations for the Commissioner.

3. Assist officials of investigative or law enforcement agencies of any other state or the Federal Government who are investigating fraudulent claims and who request assistance from the Commissioner.
Nev. Rev. Stat. § 683A.510 — NV Code / Title 57 / Chapter 683A / Section 683A.510
Failure of insurer or its authorized representative to report certain information regarding producer of insurance or report such information with actual malice: Suspension or revocation of license; fine
Status: in_force

An insurer or its authorized representative who fails to report as required by NRS 683A.331 or is found by a court of competent jurisdiction to have reported with actual malice is subject to the suspension or revocation of its license, after notice and hearing, and may be further punished by a fine under NRS 679A.180 .
Nev. Rev. Stat. § 690A.097 — NV Code / Title 57 / Chapter 690A / Section 690A.097
Refund of unearned premiums upon cancellation of insurance; regulations; approval of refund formula
Status: in_force

1. Each individual policy or group certificate must provide for a refund of unearned premiums if the consumer credit insurance is cancelled before the scheduled date of termination of the insurance.

2. Except as otherwise provided in this section, any refund must be provided to the person to whom it is entitled as soon as practicable after the date of cancellation of the insurance.

3. The Commissioner shall, by regulation, establish the minimum amount of unearned premiums that must remain outstanding at the time of cancellation in order for a person to be entitled to a refund. If the amount of unearned premiums that remains outstanding at the time of cancellation is less than the minimum amount established by regulation, the person is not entitled to a refund.

4. The formula that an insurer uses to determine the amount of a refund must be submitted to and approved by the Commissioner before it is used.
Nev. Rev. Stat. § 689C.170 — NV Code / Title 57 / Chapter 689C / Section 689C.170
Authorized variation of minimum participation and contributions; denial of coverage based on industry prohibited
Status: in_force

1. A carrier serving small employers may vary the application of requirements for minimum participation of eligible employees and minimum employer's contributions only by the size of the small employer's group or the product offered.

2. In applying requirements for minimum participation with respect to a small employer, a carrier shall not consider employees or dependents who have creditable coverage when determining whether the applicable percentage of participation is met, but may consider employees or dependents who have coverage under another health benefit plan that is sponsored by the employer.

3. A carrier shall not deny an application for coverage solely because the applicant works in a certain industry.

4. After a small employer has been accepted for coverage, a carrier shall not increase any requirement for minimum employee participation or modify any requirement for minimum employer contribution applicable to the small employer.
Nev. Rev. Stat. § 682A.452 — NV Code / Title 57 / Chapter 682A / Section 682A.452
Derivative transactions: Limitations on hedging transactions
Status: in_force

An insurer may enter into hedging transactions under NRS 682A.450 to 682A.458 , inclusive, if, as a result of and after giving effect to the transaction:

1. The aggregate statement value of options, caps, floors and warrants not attached to another financial instrument purchased and used in hedging transactions does not exceed 7.5 percent of its admitted assets;

2. The aggregate statement value of options, caps and floors written in hedging transactions does not exceed 3 percent of its admitted assets; and

3. The aggregate potential exposure of collars, swaps, forwards and futures used in hedging transactions does not exceed 6.5 percent of its admitted assets.
Nev. Rev. Stat. § 689A.725 — NV Code / Title 57 / Chapter 689A / Section 689A.725
Requirements for plan for coverage
Status: in_force

For the purposes of NRS 689A.470 to 689A.740 , inclusive, a plan for coverage of a bona fide association must:

1. Conform with any regulations adopted pursuant to NRS 689A.700 concerning rates.

2. Provide for the renewability of coverage for members of the bona fide association, and their dependents, if such coverage meets the criteria set forth in NRS 689A.630 .
Nev. Rev. Stat. § 688C.190 — NV Code / Title 57 / Chapter 688C / Section 688C.190
License to operate as investment agent or provider or broker of viatical settlements: Required application; renewal; expiration; fees; information regarding certain persons; effect; exception
Status: in_force

1. Except as otherwise provided in NRS 688C.215 , a person shall not, without first obtaining a license from the Commissioner, operate in or from this State as an investment agent or a provider or broker of viatical settlements.

2. Application for a license must be made to the Commissioner on a form prescribed by the Commissioner, accompanied by all applicable fees. A license may be renewed from year to year on its anniversary by payment of all applicable fees. The license expires if all applicable fees are not paid by that date.

3. An applicant shall provide information on forms required by the Commissioner, who may at any time require the applicant to disclose the identity of all stockholders, partners, members, officers and employees. The Commissioner may refuse to issue a license to an organization if the Commissioner is not satisfied that a stockholder, partner, member or officer who may materially influence the applicant's conduct satisfies the requirements of this chapter.

4. A license issued to an organization authorizes all partners, members, officers and designated employees to act as investment agents or providers or brokers of viatical settlements. Those persons must be named in the application or a supplement to it.
Nev. Rev. Stat. § 690D.150 — NV Code / Title 57 / Chapter 690D / Section 690D.150
Restrictions on business name of creditor; exception
Status: in_force

1. Except as otherwise provided in this section, a creditor who sells or offers for sale guaranteed asset protection waivers shall not include in the name of the business of the creditor: (a) The words “insurance,” “casualty,” “surety,” “mutual” or any other word or term that implies that the creditor is engaged in the business of transacting insurance or is a surety company; or (b) A name that is deceptively similar to the name or description of an insurer or surety company.

2. A creditor may include the word “guaranty” or a similar word in the name of the business of the creditor.

3. This section does not apply to a creditor who, before January 1, 2016, includes in the name of the business of the creditor a name that does not comply with the provisions of subsection 1. Such a creditor shall include in each guaranteed asset protection waiver the creditor sells or offers for sale a statement that the guaranteed asset protection waiver is not a contract of insurance.
Nev. Rev. Stat. § 681A.068 — NV Code / Title 57 / Chapter 681A / Section 681A.068
“Solvent scheme of arrangement” defined
Status: in_force

“ Solvent scheme of arrangement ” means a foreign or alien statutory or regulatory compromise procedure subject to requisite majority creditor approval and judicial sanction in the assuming insurer's home jurisdiction either to finally commute liabilities of duly noticed classed members or creditors of a solvent debtor, or to reorganize or restructure the debts and obligations of a solvent debtor on a final basis, and which may be subject to judicial recognition and enforcement of the arrangement by a governing authority outside the ceding insurer's home jurisdiction.
Nev. Rev. Stat. § 689A.032 — NV Code / Title 57 / Chapter 689A / Section 689A.032
Insurer required to offer and issue plan regardless of health status of persons; prohibited acts
Status: in_force

1. An insurer shall offer and issue a health benefit plan to any person regardless of the health status of the person or any dependent of the person. Such health status includes, without limitation: (a) Any preexisting medical condition of the person, including, without limitation, any physical or mental illness; (b) The claims history of the person, including, without limitation, any prior health care services received by the person; (c) Genetic information relating to the person; and (d) Any increased risk for illness, injury or any other medical condition of the person, including, without limitation, any medical condition caused by an act of domestic violence.

2. An insurer that offers or issues a health benefit plan shall not: (a) Deny, limit or exclude a covered benefit based on the health status of an insured; or (b) Require an insured, as a condition of enrollment or renewal, to pay a premium, deductible, copay or coinsurance based on his or her health status which is greater than the premium, deductible, copay or coinsurance charged to a similarly situated insured who does not have such a health status.

3. An insurer that offers or issues a health benefit plan shall not adjust a premium, deductible, copay or coinsurance for any insured on the basis of genetic information relating to the insured or the covered dependent of the insured.

4. As used in this section, “ health benefit plan ” has the meaning ascribed to it in NRS 687B.470 .
Nev. Rev. Stat. § 695B.253 — NV Code / Title 57 / Chapter 695B / Section 695B.253
Denial of converted contract because of overinsurance; notice concerning cancellation of other coverage
Status: in_force

1. The medical service corporation is not required to issue a converted contract to any person who: (a) Is covered for similar benefits by another hospital, surgical, medical or major medical expense insurance policy, a hospital or medical service subscriber contract, a medical practice or other prepayment plan, or by any other kind of plan or program; (b) Is eligible to be covered for similar benefits under any arrangement of coverage for individuals in a group, whether on an insured or uninsured basis; or (c) Has similar benefits provided for or available under the requirements of any state or federal law, if any benefits provided under the sources listed in this subsection, together with the benefits to be provided by the converted contract, would result in overinsurance according to the medical service corporation's standards.

2. Before denying a converted contract to an applicant because the applicant has coverage as described in paragraph (a) of subsection 1, the medical service corporation shall notify the applicant that the converted contract will be issued only if the other coverage is cancelled.
Nev. Rev. Stat. § 697.185 — NV Code / Title 57 / Chapter 697 / Section 697.185
Application for license as bail solicitor: Additional documentation
Status: in_force

An application for a license as a bail solicitor must be accompanied by:

1. Proof of the completion of a 6-hour course of instruction in bail bonds that is: (a) Offered by a state or national organization of bail agents or another organization that administers training programs for bail solicitors; and (b) Approved by the Commissioner.

2. A sponsorship by a licensed bail agent and a statement by the agent that the agent will exercise reasonable supervision over the conduct of the applicant and be responsible for the applicant's conduct in the bail bond business.

3. A letter from a local law enforcement agency in the applicant's county of residence which indicates that the applicant: (a) Has not been convicted of a felony in this state or of any offense committed in another state which would be a felony if committed in this state; and (b) Has not been convicted of an offense involving moral turpitude or the unlawful use, sale or possession of a controlled substance.
Nev. Rev. Stat. § 695C.1789 — NV Code / Title 57 / Chapter 695C / Section 695C.1789
Reimbursement for treatment by licensed clinical alcohol and drug counselor
Status: in_force

If any evidence of coverage provides coverage for treatment of an illness which is within the authorized scope of practice of a licensed clinical alcohol and drug counselor, the insured is entitled to reimbursement for treatment by a clinical alcohol and drug counselor who is licensed pursuant to chapter 641C of NRS unless the clinical alcohol and drug counselor must be directly reimbursed pursuant to:

1. An assignment of benefits described in NRS 687B.409 ; or

2. Any other applicable assignment of benefits.
Nev. Rev. Stat. § 689B.049 — NV Code / Title 57 / Chapter 689B / Section 689B.049
Reimbursement for acupuncture
Status: in_force

If any policy of group health insurance provides coverage for acupuncture performed by a physician, the insured is entitled to reimbursement for acupuncture performed by a person who is licensed pursuant to chapter 634A of NRS .
Nev. Rev. Stat. § 696B.340 — NV Code / Title 57 / Chapter 696B / Section 696B.340
Attachment and garnishment of or execution on insurer or assets prohibited during pendency of delinquency proceedings
Status: in_force

During the pendency of delinquency proceedings in this or any reciprocal state, no action or proceeding in the nature of an attachment, garnishment or execution shall be commenced or maintained in the courts of this state against the delinquent insurer or its assets. Any lien obtained by any such action or proceeding within 4 months prior to the commencement of any such delinquency proceedings or at any time thereafter is void as against any rights arising in such delinquency proceedings.
Nev. Rev. Stat. § 687B.124 — NV Code / Title 57 / Chapter 687B / Section 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
Status: in_force

1. Except as provided by NRS 687B.122 , a policy must not be delivered or issued for delivery in this state on or after July 1, 1983, unless: (a) The text of the policy achieves a score of at least 40 on the Flesch test of reading ease or an equivalent score on any comparable test which is approved by the Commissioner; (b) It is printed, except for pages which contain specifications, schedules or tables, in not less than 10-point type, one point leaded; (c) The style, arrangement and overall appearance of the policy give no undue prominence to any portion of the text of or endorsements or riders to the policy; and (d) It contains a table of contents or an index of the principal sections of the policy if it contains more than 3,000 words or has more than three pages.

2. The score for the Flesch test of reading ease must be calculated in the following manner: (a) If a form contains 10,000 words or less of text, the entire text must be used as a basis for calculating the score. If it contains more than 10,000 words, two samples, which are separated from each other by at least 20 printed lines, of 200 words per page must be used as the basis for calculating the score. (b) The number of words and sentences used in the basis for the calculation must be counted and the total number of words divided by the total number of sentences. This figure must be multiplied by 1.015. (c) The number of syllables must be counted and the total divided by the total number of words. This figure must be multiplied by 84.6. (d) The results of the calculations made pursuant to paragraphs (b) and (c) must be added together and the total must be subtracted from 206.835. (e) The result of the calculation made pursuant to paragraph (d) is the score for the policy.

3. For the purposes of performing the calculations required by subsection 2: (a) A contraction, hyphenated word or numbers and letters when separated by spaces must be counted as one word; (b) A sequence of words which ends with a period, semicolon or colon, except for headings and captions, must be counted as a sentence; and (c) Where a dictionary shows two or more equally acceptable pronunciations of a word, the pronunciation containing fewer syllables may be used.

4. An insurer may score riders, endorsements, applications and other forms as separate forms or as part of the policy with which they are used.

5. As used in this section, “text” includes all printed matter except: (a) The name and address of the insurer, the name, number or title of the policy, the table of contents or index, captions and subcaptions and pages which contain specifications, schedules and tables; and (b) Any language of the policy which is drafted in a particular manner so as to meet the requirements of: (1) Any federal or state law or regulation or any interpretation of a law or regulation by a federal or state agency; (2) Any collective bargaining agreement; (3) Usage of medical terms; and (4) Definitions contained in the policy, if the insurer so identifies this language and certifies in writing that it is excepted by this paragraph.
Nev. Rev. Stat. § 681A.090 — NV Code / Title 57 / Chapter 681A / Section 681A.090
Multiple line insurers
Status: in_force

A multiple line insurer may transact:

1. Any two or more kinds of insurance, as defined in NRS 681A.020 , 681A.030 , 681A.050 , 681A.060 , 681A.070 and 681A.080 (casualty, health, marine and transportation, property, surety and title insurance), but a title insurer must be a stock insurer.

2. Life insurance if so authorized pursuant to subsection 1 of NRS 680A.110 (combinations of insuring powers).
Nev. Rev. Stat. § 684A.050 — NV Code / Title 57 / Chapter 684A / Section 684A.050
Concurrent licensing as independent, public, company and staff adjuster prohibited; fees
Status: in_force

1. The Commissioner may license an individual as an independent adjuster, a public adjuster, a company adjuster or a staff adjuster. No individual shall be licensed concurrently under the same license or separate licenses as more than one such type of adjuster.

2. A company adjuster and a staff adjuster shall pay the same fees as provided for an independent adjuster in NRS 680B.010 and 680C.110 .
Nev. Rev. Stat. § 695A.490 — NV Code / Title 57 / Chapter 695A / Section 695A.490
Standards of valuation for certificates; excess reserves
Status: in_force

1. The minimum standards of valuation for certificates issued before July 1, 1964, are those provided by the law applicable immediately before July 1, 1963, but not lower than the standards used in the calculating of rates for those certificates.

2. Except as otherwise provided in subsection 4, the minimum standard of valuation for certificates issued on or after July 1, 1964, but before January 1, 1993, is 3.5 percent interest and the following: (a) For certificates of life insurance, American Men Ultimate Table of Mortality, with Bowerman's or Davis' Extension thereof or with the consent of the Commissioner, the Commissioners 1941 Standard Ordinary Mortality Table, the Commissioners 1941 Standard Industrial Mortality Table or the Commissioners 1958 Standard Ordinary Mortality Table, using the actual age of the insured for male risks and an age not more than 3 years younger than the actual age of the insured for female risks. (b) For annuity and pure endowment certificates, excluding any disability and accidental death benefits in those certificates, the 1937 Standard Annuity Mortality Table or the Annuity Mortality Table for 1949, Ultimate, or any modification of either of these tables approved by the Commissioner. (c) For total and permanent disability benefits in or supplementary to life insurance certificates, Hunter's Disability Table, or the Class III Disability Table (1926) modified to conform to the contractual waiting period, or the tables of Period 2 disablement rates and the 1930 to 1950 termination rates of the 1952 Disability Study of the Society of Actuaries with due regard to the type of benefit. Any such table must, for active lives, be combined with a mortality table permitted for calculating the reserves for life insurance certificates. (d) For accidental death benefits in or supplementary to life insurance certificates, the Inter-Company Double Indemnity Mortality Table or the 1959 Accidental Death Benefits Table. Either table must be combined with a mortality table permitted for calculating the reserves for life insurance certificates. (e) For noncancellable accident and health benefits, the Class III Disability Table (1926) with conference modifications or, with the consent of the Commissioner, tables based upon the society's own experience.

3. Except as otherwise provided in subsection 4, the minimum standard of valuation for certificates issued on or after January 1, 1993, is: (a) For certificates of life insurance, the Commissioners 1980 Standard Ordinary Mortality Table or any more recent table made applicable to life insurance companies; and (b) For annuity and pure endowment certificates, total and permanent disability benefits, accidental death benefits and noncancellable accident and health benefits, such tables as are authorized for use by life insurance companies in this state.

4. A society may value its certificates in accordance with the valuation standards used for policies containing comparable benefits which are issued in this state by life insurance companies.

5. The Commissioner may: (a) Accept other standards for valuation if the Commissioner finds that the reserves produced thereby will not be less in the aggregate than reserves computed in accordance with the minimum valuation standard prescribed in this section. (b) Vary the standards of mortality applicable to all benefit contracts on substandard lives or other extra-hazardous lives by any society authorized to do business in this state.

6. Any society, with the consent of the commissioner of insurance of the state of domicile of the society and under such conditions, if any, as he or she may impose, may establish and maintain reserves on its certificates in excess of the reserves required thereunder, but the contractual rights of any benefit member are not affected thereby.
Nev. Rev. Stat. § 682A.305 — NV Code / Title 57 / Chapter 682A / Section 682A.305
Requirements for admitted assets
Status: in_force

Subject to the provisions of NRS 682A.310 , an insurer shall not acquire or hold an investment as an admitted asset unless at the time of acquisition the investment is:

1. Eligible for the payment or accrual of interest or a discount, whether in cash or securities, eligible to receive dividends or other distributions or is otherwise income producing; or

2. Acquired in accordance with NRS 682A.418 , 682A.422 , 682A.434 to 682A.442 , inclusive, 682A.446 to 682A.452 , inclusive, 682A.528 , 682A.532 , 682A.544 to 682A.552 , inclusive, or 682A.554 and 682A.556 or pursuant to the authority of this title, other than this chapter.
Nev. Rev. Stat. § 693A.480 — NV Code / Title 57 / Chapter 693A / Section 693A.480
Confidentiality and publication of pertinent information and documents
Status: in_force

1. Except as otherwise provided in subsection 2 and NRS 239.0115 , all information and documents obtained by or disclosed to the Commissioner or any other person in the course of preparing, filing and processing an application of a converting mutual, other than information and documents distributed to policyholders in connection with the meeting of policyholders pursuant to NRS 693A.460 or filed or submitted as evidence in connection with the public hearing pursuant to NRS 693A.450 , are confidential and not subject to subpoena, and must not be made public by the Commissioner, the National Association of Insurance Commissioners or any other person, except to insurance departments of other states, without the prior written consent of the insurer to which such information and documents pertain.

2. If the Commissioner, after giving the insurer and its affiliates who would be affected notice and opportunity to be heard, determines that the interests of policyholders, shareholders or the public will be best served by the publication of such information and documents, the Commissioner may publish all or any part thereof in such a manner as the Commissioner determines appropriate.
Nev. Rev. Stat. § 689.145 — NV Code / Title 57 / Chapter 689 / Section 689.145
“Trustee” defined
Status: in_force

“Trustee” means:

1. A state or national bank or savings bank;

2. A trust company;

3. A federally insured savings and loan association; or

4. A credit union insured by the National Credit Union Share Insurance Fund or by a private insurer approved pursuant to NRS 672.755 ,

authorized to transact such business in the State of Nevada and designated as the trustee of the trust fund in a prepaid contract.
Nev. Rev. Stat. § 690B.180 — NV Code / Title 57 / Chapter 690B / Section 690B.180
Prohibited acts
Status: in_force

An insurer who issues policies of insurance for home protection, other than casualty insurance, shall not:

1. Engage in any other business of insurance or real estate pursuant to chapters 645 to 645H, inclusive, of NRS.

2. Assume reinsurance from any other insurer.
Nev. Rev. Stat. § 681A.214 — NV Code / Title 57 / Chapter 681A / Section 681A.214
Revocation or suspension of eligibility of assuming insurer; effect on credit
Status: in_force

1. If the Commissioner determines that an assuming insurer no longer meets one or more of the requirements under NRS 681A.211 to 681A.2155 , inclusive, the Commissioner may revoke or suspend the eligibility of the assuming insurer for recognition under this section.

2. While an assuming insurer's eligibility is suspended, no reinsurance agreement issued, amended or renewed after the effective date of the suspension qualifies for credit except to the extent that the assuming insurer's obligations under the contract are secured in accordance with NRS 681A.240 .

3. If an assuming insurer's eligibility is revoked, no credit for reinsurance may be granted after the effective date of the revocation with respect to any reinsurance agreements entered into by the assuming insurer, including reinsurance agreements entered into prior to the date of revocation, except to the extent that the assuming insurer's obligations under the contract are secured in a form acceptable to the Commissioner and consistent with the provisions of NRS 681A.240 .
Nev. Rev. Stat. § 694C.057 — NV Code / Title 57 / Chapter 694C / Section 694C.057
“Branch operations” defined
Status: in_force

“ Branch operations ” means any business operations of a branch captive insurer in this State.
Nev. Rev. Stat. § 679B.190 — NV Code / Title 57 / Chapter 679B / Section 679B.190
Maintenance, inspection and destruction of records; confidentiality and use of documents and other information
Status: in_force

1. The Commissioner shall carefully preserve in the Division and in permanent form all papers and records relating to the business and transactions of the Division and shall hand them over to the successor in office of the Commissioner.

2. Except as otherwise provided in subsections 3 and 5 to 9, inclusive, other provisions of this Code and NRS 616B.015 , the papers and records must be open to public inspection.

3. Except as otherwise provided in NRS 239.0115 , any records or information in the possession of the Division related to an investigation conducted by the Commissioner is confidential unless: (a) The Commissioner releases, in the manner that he or she deems appropriate, all or any part of the records or information for public inspection after determining that the release of the records or information: (1) Will not harm the investigation or the person who is being investigated; or (2) Serves the interests of a policyholder, the shareholders of the insurer or the public; or (b) A court orders the release of the records or information after determining that the production of the records or information will not damage any investigation being conducted by the Commissioner.

4. The Commissioner may destroy unneeded or obsolete records and filings in the Division in accordance with provisions and procedures applicable in general to administrative agencies of this State.

5. The Commissioner may classify as confidential: (a) Specified records and information obtained from a governmental agency; and (b) Documents obtained or received from other sources upon the express condition that they remain confidential.

6. All information and documents in the possession of the Division or any of its employees which are related to cases or matters under investigation by the Commissioner or the staff of the Commissioner are confidential for the period of the investigation and may not be made public unless the Commissioner finds the existence of an imminent threat of harm to the safety or welfare of the policyholder, shareholders or the public and determines that the interests of the policyholder, shareholders or the public will be served by publication thereof, in which event the Commissioner may make a record public or publish all or any part of the record in any manner he or she deems appropriate.

7. The Commissioner may classify as confidential the records of a consumer or information relating to a consumer to protect the health, welfare or safety of the consumer.

8. In performing his or her duties, the Commissioner may: (a) Share documents, materials or other information, including any documents, materials or information classified as confidential, with other state, federal and international regulatory or law enforcement agencies or with the National Association of Insurance Commissioners and its affiliates and subsidiaries if the recipient agrees to maintain the confidentiality and privileged status of the documents, materials or other information. (b) May receive documents, materials or other information, including any documents, materials or information otherwise confidential and privileged, from other state, federal and international regulatory or law enforcement agencies or from the National Association of Insurance Commissioners and its affiliates and subsidiaries, and shall maintain as confidential or privileged any document, material or information received with notice or the understanding that it is confidential or privileged under the law of the jurisdiction from which it was received. (c) Enter into agreements, consistent with this subsection, governing the sharing and use of information.

9. No waiver of confidentiality or privilege with respect to any document, material or information occurs as a result of disclosure to the Commissioner under this section or of sharing as authorized under this chapter.
Nev. Rev. Stat. § 689A.100 — NV Code / Title 57 / Chapter 689A / Section 689A.100
Claim forms: Required provision
Status: in_force

There shall be a provision as follows:

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 this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.
Nev. Rev. Stat. § 687B.695 — NV Code / Title 57 / Chapter 687B / Section 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
Status: in_force

1. A third party, having itself been granted access to services and contractual discounts of a provider of health care pursuant to a provider network contract, that subsequently grants access to another third party, is obligated to comply with the rights and responsibilities imposed on contracting entities pursuant to NRS 687B.694 and 687B.696 .

2. A third party that enters into a contract with another third party to access services and contractual discounts of a provider of health care pursuant to a provider network contract is obligated to comply with the rights and responsibilities imposed on third parties under this section.
Nev. Rev. Stat. § 695G.016 — NV Code / Title 57 / Chapter 695G / Section 695G.016
“Clinical peer” defined
Status: in_force

“ Clinical peer ” means a physician who is:

1. Engaged in the practice of medicine; and

2. Certified or is eligible for certification by a member board of the American Board of Medical Specialties in the same or similar area of practice as is the health care service that is the subject of a final adverse determination.
Nev. Rev. Stat. § 696A.210 — NV Code / Title 57 / Chapter 696A / Section 696A.210
Service contract: Required provisions
Status: in_force

A service contract as defined in NRS 696A.070 shall not be executed, issued or delivered in this state unless it contains the following:

1. The exact corporate or other name of the club.

2. The exact location of its home office and of its usual place of business in this state, giving street number and city.

3. A provision that the contract may be cancelled at any time by either the club or the holder, and that the holder will, if the holder has actually paid the consideration, thereupon be entitled to the unused portion of the consideration paid for such contract, calculated on a pro rata basis over the period of the contract, without any deductions.

4. A provision plainly specifying: (a) The services promised. (b) That the holder will not be required to pay any sum, in addition to the amount specified in the contract, for any services thus specified. (c) The territory wherein such services are to be rendered. (d) The date when such service will commence.

5. A statement in not less than 14-point modern type at the head of the contract stating, “This is not an insurance contract.”