reglab/housing_qa huggingface dataset:
NV Rev Stat § 689A.080 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.080 - Reinstatement.

  1. There shall be a provision as follows:  Reinstatement: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the insurer or by any agent duly authorized by the insurer to accept such premium, without requiring in connection therewith an application for reinstatement, shall reinstate the policy; provided, however, that if the insurer or such agent requires an application for reinstatement and issues a conditional receipt for the premium tendered, the policy will be reinstated upon approval of such application by the insurer or, lacking such approval, upon the 45th day following the date of such conditional receipt unless the insurer has previously notified the insured in writing of its disapproval of such application. The reinstated policy shall cover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than 10 days after such date. In all other respects the insured and insurer shall have the same rights thereunder as they had under the policy immediately before the due date of the defaulted premium, subject to any provisions endorsed herein or attached hereto in connection with the reinstatement. Any premium accepted in connection with a reinstatement shall be applied to a period for which premium has not been previously paid, but not to any period more than 60 days prior to the date of reinstatement.  2. The last sentence of subsection 1 may be omitted from any policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums:  (a) Until at least age 50; or  (b) In the case of a policy issued after age 44, for at least 5 years from its date of issue.  3. Pursuant to the last sentence in subsection 1, the insurer shall apply the premium accepted in such manner as to place the policy currently in force, exclusive of any applicable grace period, but not in any event to any period more than 60 days prior to the date of reinstatement.  (Added to NRS by 1971, 1754)
NV Rev Stat § 689A.090 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.090 - Notice of claim.

  1. There shall be a provision as follows:  Notice of Claim: Written notice of claim must be given to the insurer within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at ................ (insert the location of such office as the insurer may designate for the purpose), or to any authorized agent of the insurer, with information sufficient to identify the insured, shall be deemed notice to the insurer.  2. In a policy providing a loss-of-time benefit which may be payable for at least 2 years, an insurer may at its option insert the following between the first and second sentence of subsection 1:  Subject to the qualifications set forth below, if the insured suffers loss of time on account of disability for which indemnity may be payable for at least 2 years, the insured shall, at least once in every 6 months after having given notice of the claim, give to the insurer notice of continuance of said disability, except in the event of legal incapacity. The period of 6 months following any filing of proof by the insured or any payment by the insurer on account of such claim or any denial of liability in whole or in part by the insurer shall be excluded in applying this provision. Delay in the giving of such notice shall not impair the insured’s right to any indemnity which would otherwise have accrued during the period of 6 months preceding the date on which such notice is actually given.  (Added to NRS by 1971, 1755)
NV Rev Stat § 689A.100 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.100 - Claim forms: Required provision.

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.  (Added to NRS by 1971, 1756)
NV Rev Stat § 689A.105 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.105 - Claim forms: Uniform billing, claims forms.

Every insurer under a health insurance contract and every state agency for its records shall accept from:  1. A hospital the Uniform Billing and Claims Forms established by the American Hospital Association in lieu of its individual billing and claims forms.  2. An individual who is licensed to practice one of the health professions regulated by Title 54 of NRS such uniform health insurance claims forms as the Commissioner shall prescribe, except in those cases where the Commissioner has excused uniform reporting.  (Added to NRS by 1975, 897)
NV Rev Stat § 689A.110 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.110 - Claim forms: Acceptance of uniform forms.

There shall be a provision as follows:  Proofs of Loss: Written proof of loss must be furnished to the insurer at its office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within 90 days after the termination of the period for which the insurer is liable and in case of claim for any other loss within 90 days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity, later than 1 year from the time proof is otherwise required.  (Added to NRS by 1971, 1756)
NV Rev Stat § 689A.120 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.120 - Time of payment of claims.

There shall be a provision as follows:  Time of Payment of Claims: Indemnities payable under this policy for any loss, other than loss for which this policy provides any periodic payment, will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which this policy provides periodic payment will be paid ................ (insert period for payment which must not be less frequently than monthly) and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.  (Added to NRS by 1971, 1756)
NV Rev Stat § 689A.130 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.130 - Payment of claims.

  1. There shall be a provision as follows:  Payment of Claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the insured. Any other accrued indemnities unpaid at the insured’s death may, at the option of the insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the insured.  2. The following provisions, or either of them, may be included with the provision in subsection 1 at the option of the insurer:  If any indemnity of this policy shall be payable to the estate of the insured, or to an insured or beneficiary who is a minor or otherwise not competent to give a valid release, the insurer may pay such indemnity, up to an amount not exceeding $..... (insert an amount which shall not exceed $1,000), to any relative by blood or connection by marriage of the insured or beneficiary who is deemed by the insurer to be equitably entitled thereto. Any payment made by the insurer in good faith pursuant to this provision shall fully discharge the insurer to the extent of such payment.  Subject to any written direction of the insured in the application or otherwise all or a portion of any indemnities provided by this policy on account of hospital, nursing, medical or surgical services may, at the insurer’s option and unless the insured requests otherwise in writing not later than the time of filing proofs of such loss, be paid directly to the hospital or person rendering such services; but it is not required that the service be rendered by a particular hospital or person.  (Added to NRS by 1971, 1756)
NV Rev Stat § 689A.135 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.135 - Assignment of benefits to provider of health care.

  1. A person insured under a policy of health insurance may assign his or her right to benefits to the provider of health care who provided the services covered by the policy. The insurer shall pay all or the part of the benefits assigned by the insured to the person designated by the insured. A payment made pursuant to this subsection discharges the insurer’s obligation to pay those benefits.  2. If the insured makes an assignment under this section, but the insurer after receiving a copy of the assignment pays the benefits to the insured, the insurer shall also pay those benefits to the provider of health care who received the assignment as soon as the insurer receives notice of the incorrect payment.  3. For the purpose of this section, "provider of health care" has the meaning ascribed to it in NRS 629.031.  (Added to NRS by 1983, 879)
NV Rev Stat § 689A.140 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.140 - Physical examination and autopsy.

There shall be a provision as follows:  Physical Examinations and Autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death where it is not forbidden by law.  (Added to NRS by 1971, 1757)
NV Rev Stat § 689A.150 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.150 - Legal actions.

There shall be a provision as follows:  Legal Actions: No action at law or in equity shall be brought to recover on this policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of 3 years after the time written proof of loss is required to be furnished.  (Added to NRS by 1971, 1757)
NV Rev Stat § 689A.160 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.160 - Change of beneficiary.

  1. There shall be a provision as follows:  Change of Beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change of beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any change of beneficiary or beneficiaries, or to any other changes in this policy.  2. The first clause of the provision set forth in subsection 1, relating to the irrevocable designation of beneficiary, may be omitted at the insurer’s option.  (Added to NRS by 1971, 1757)
NV Rev Stat § 689A.170 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.170 - Right to examine and return policy.

  1. Except as to nonrenewable accident policies and individual credit health insurance policies, every individual health insurance policy shall contain a provision therein or in a separate rider attached thereto when delivered, stating in substance that the person to whom the policy is issued shall be permitted to return the policy within 10 days of its delivery to such person and to have a refund of the premium paid if after examination of the policy the purchaser is not satisfied with it for any reason. The provision shall be set forth in the policy under an appropriate caption, and if not so printed on the face page of the policy adequate notice of the provision shall be printed or stamped conspicuously on the face page.  2. The policy may be so returned to the insurer at its home or branch office or to the agent through whom it was applied for, and thereupon shall be void as from the beginning and as if the policy had not been issued.  (Added to NRS by 1971, 1758)
NV Rev Stat § 689A.180 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.180 - Optional provisions.

Except as otherwise provided in NRS 689A.040, no such policy delivered or issued for delivery to any person in this State may contain provisions respecting the matters set forth in NRS 689A.190 to 689A.270, inclusive, unless the provisions are in the words in which the provisions appear in the applicable section, except that the insurer may, at its option, use in lieu of any such provision a corresponding provision of different wording approved by the Commissioner which is not less favorable in any respect to the insured or the beneficiary. Any such provision contained in the policy must be preceded individually by the appropriate caption or, at the option of the insurer, by such appropriate individual or group captions or subcaptions as the Commissioner may approve.  (Added to NRS by 1971, 1758; A 1985, 1060; 2005, 2343)
NV Rev Stat § 689A.190 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.190 - Extended disability benefit.

Any health insurance policy may contain a provision for payment not exceeding $500 as an extended disability benefit upon the insured’s death from any cause, which benefit shall not be construed as life insurance.  (Added to NRS by 1971, 1758)
NV Rev Stat § 689A.200 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.200 - Change of occupation.

There may be a provision as follows:  Change of Occupation: If the insured be injured or contracts sickness after having changed his or her occupation to one classified by the insurer as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the insurer will pay only such portion of the indemnities provided in this policy as the premium paid would have purchased at the rates and within the limits fixed by the insurer for such more hazardous occupation. If the insured changes his or her occupation to one classified by the insurer as less hazardous than that stated in this policy, the insurer, upon receipt of proof of such change of occupation, will reduce the premium rate accordingly, and will return the excess pro rata unearned premium from the date of change of occupation or from the policy anniversary date immediately preceding receipt of such proof, whichever is the more recent. In applying this provision, the classification of occupational risk and the premium rates shall be such as have been last filed by the insurer prior to the occurrence of the loss for which the insurer is liable or prior to date of proof of change in occupation with the state official having supervision of insurance in the state where the insured resided at the time this policy was issued; but if such filing was not required, then the classification of occupational risk and the premium rates shall be those last made effective by the insurer in such state prior to the occurrence of the loss or prior to the date of proof of change in occupation.  (Added to NRS by 1971, 1758)
NV Rev Stat § 689A.210 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.210 - Misstatement of age.

There may be a provision as follows:  Misstatement of Age: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age.  (Added to NRS by 1971, 1759)
NV Rev Stat § 689A.220 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.220 - Coordination of benefits: Same insurer.

There may be a provision as follows:  If an accident or sickness or accident and sickness policy or policies previously issued by the insurer to the insured be in force concurrently herewith, making the aggregate indemnity for ................ (insert type of coverage or coverages) in excess of $..... (insert maximum limit of indemnity or indemnities), the excess shall be void and all premiums paid for such excess shall be returned to the insured or to the estate of the insured. Or, in lieu thereof:  Insurance effective at any one time on the insured under this policy and like policy or policies in this insurer is limited to the one policy elected by the insured or the beneficiary or estate of the insured, as the case may be, and the insurer will return all premiums paid for all other such policies.  (Added to NRS by 1971, 1759)
NV Rev Stat § 689A.250 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.250 - Unpaid premiums.

There may be a provision as follows:  Unpaid Premium: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom.  (Added to NRS by 1971, 1763)
NV Rev Stat § 689A.260 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.260 - Conformity with state statutes.

There may be a provision as follows:  Conformity with State Statutes: Any provision of this policy which, on its effective date is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the minimum requirements of such statutes.  (Added to NRS by 1971, 1763)
NV Rev Stat § 689A.270 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.270 - Illegal occupation.

There may be a provision as follows:  Illegal Occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured’s commission of or attempt to commit a felony or to which a contributing cause was the insured’s being engaged in an illegal occupation.  (Added to NRS by 1971, 1763)
NV Rev Stat § 689A.290 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.290 - Renewability.

Health insurance policies, other than accident insurance only policies, in which the insurer reserves the right to refuse renewal on an individual basis, shall provide in substance in a provision thereof or in an endorsement thereon or rider attached thereto that subject to the right to terminate the policy upon nonpayment of premium when due, such right to refuse renewal may not be exercised so as to take effect before the renewal date occurring on, or after and nearest, each policy anniversary (or in the case of lapse and reinstatement, at the renewal date occurring on, or after and nearest, each anniversary of the last reinstatement), and that any refusal of renewal shall be without prejudice to any claim originating while the policy is in force. (The parenthetic reference to lapse and reinstatement may be omitted at the insurer’s option.)  (Added to NRS by 1971, 1764)
NV Rev Stat § 689A.300 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.300 - Order of certain provisions.

The provisions which are the subject of NRS 689A.050 to 689A.290, inclusive, or any corresponding provisions which are used in lieu thereof in accordance with such sections shall be printed in the consecutive order of the provisions in such sections or, at the option of the insurer, any such provision may appear as a unit in any part of the policy, with other provisions to which it may be logically related, provided that the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse or likely to mislead a person to whom the policy is offered, delivered or issued.  (Added to NRS by 1971, 1764)
NV Rev Stat § 689A.310 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.310 - Ownership of policy by person other than insured.

The word "insured," as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits and rights provided therein.  (Added to NRS by 1971, 1764)
NV Rev Stat § 689A.320 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.320 - Requirements of other jurisdictions.

  1. Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this chapter and which is prescribed or required by the law of the state or country under which the insurer is organized.  2. Any policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of such other state or country.  (Added to NRS by 1971, 1764)
NV Rev Stat § 689A.330 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.330 - Policies issued for delivery in another state.

If any policy is issued by a domestic insurer for delivery to a person residing in another state, and if the insurance commissioner or corresponding public officer of that other state has informed the Commissioner that the policy is not subject to approval or disapproval by that officer, the Commissioner may by ruling require that the policy meet the standards set forth in NRS 689A.030 to 689A.320, inclusive.  (Added to NRS by 1971, 1765; A 1985, 1447; 1989, 1273; 1997, 743; 1999, 760, 1997; 2003, 1334, 3355, 3522; 2007, 3237; 2009, 1467; 2013, 1998; 2015, 206, 638, 2124; 2017, 1813, 3936; 2019, 299, 1005, 2169)
NV Rev Stat § 689A.340 (2021)
2021 Nevada Revised Statutes|Chapter 689A - Individual Health Insurance|NRS 689A.340 - Limitation on provisions not subject to chapter; effect of violation.

  1. No policy provision which is not subject to this chapter shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to this chapter.  2. A policy delivered or issued for delivery to any person in this state in violation of this chapter shall be held valid but shall be construed as provided in this chapter. When any provision in a policy subject to this chapter is in conflict with any provision of this chapter, the rights, duties and obligations of the insurer, the insured and the beneficiary shall be governed by the provisions of this chapter.  (Added to NRS by 1971, 1765)