As used in any policy of health insurance delivered, issued for delivery or used in this state, unless otherwise provided in the policy or in an endorsement thereon or in a rider attached thereto:
1. "Accidental death" means death by accident exclusively and independently of all other causes.
2. "Confinement to house" or "house confinement" includes the activities of a convalescent not able to be gainfully employed.
3. "Medical or surgical services" includes also services within the scope of his or her license rendered by any person while duly licensed by the State of Nevada under any of the following chapters of NRS: 631 (dentistry); 633 (osteopathic medicine); 634 (chiropractic); 634A (Oriental medicine); 635 (podiatry); or 636 (optometry). No policy of health insurance may provide that the insured does not have the option of selecting any licensee provided for in this subsection to perform any medical or surgical services covered by a policy of insurance if the service is within the scope of his or her license.
4. "Total disability" means inability to perform the duties of any gainful occupation for which the insured is reasonably fitted by training, experience and accomplishment.
(Added to NRS by 1971, 1766; A 1971, 1953; 1975, 240; 1977, 966)