Health · Chapter 18 · Optional Provisions
Intoxicants & Narcotics Provision
Definition
Optional provision relieving the insurer of liability for losses sustained while the insured was under the influence of alcohol or non-prescribed drugs. Does NOT apply to physician-prescribed drugs used as directed.
In plain English
Impaired by choice → not covered. Taking your prescription correctly → still covered.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms