NAC686A.160. Blindness or partial blindness.

     1. With regard to any policy or contract of life insurance, health insurance or annuity:

     (a) The following acts or practices constitute unfair discrimination between persons of the same class:

          (1) Refusing to insure;

          (2) Refusing to continue to insure;

          (3) Limiting the amount, extent or kind of coverage available to a person; or

          (4) Charging a person a different rate for the same coverage,

Ê solely because of blindness or partial blindness.

     (b) Acts and practices regarding other conditions of a person who is blind or partially blind, including the underlying cause of the blindness or partial blindness, must be based on the same sound actuarial principles or actual or reasonably anticipated experience as for other persons.

     2. For the purposes of subsection 1, “refusing to insure”:

     (a) Includes the denial by an insurer of coverage under a policy of disability insurance based on the ground that the policy presumes disability if the insured loses his or her sight.

     (b) Does not include the exclusion from coverage of disabilities consisting solely of blindness or partial blindness when such a condition exists at the time the policy is issued.

     (Added to NAC by Comm’r of Insurance, eff. 8-31-84; A 12-15-94)