Health Care Services and Financing

Health Insurance: Losses due to Intoxication (“UPPL”)

Laws that prohibit exclusion of insurance claims arising from intoxication of the insured.

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Changes Over Time: Health Insurance: Losses due to Intoxication (“UPPL”)

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Changes Over Time for Health Insurance: Losses due to Intoxication (“UPPL”)
Jurisdiction Date Range Denial of Health
Insurance Benefits
Specifically PERMITTED		 Denial of Health
Insurance Benefits
Specifically PROHIBITED		 Citations
North Carolina (1858)
1/1/1998 - 9/30/2001Yes 1 Citations
North Carolina (1803)

The prohibition in N.C. Gen. Stat. s. 58-51-16 prohibits intoxication exclusions in a "medical expense policy," which means an "accident and health insurance policy that provides hospital, medical, and surgical expense coverage." Intoxication exclusions are not expressly prohibited in other types of "accident and health insurance policies," such as an accident insurance policy that provides for fixed sum payments or wage replacement.

10/1/2001 - 1/1/2020 Yes3 Citations