anchor: The model law states, The insurer shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.
positive: The insurer is not responsible if the insured is intoxicated or under the influence of any drug without a doctor's consent.
negative: The insurer is to be held liable even if the insured is intoxicated or under the influence of any drug or narcotic.