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Yes…The amount of alcohol allowed for an insurance company to cover a claim is generally zero (0.0 g/l) or the legal limit established by local authorities (usually 0.5 g/L in blood or 0.25 mg/L in air). Exceeding this limit or giving positive is usually considered an exclusion of coverage, where the insurer can refuse to pay damages.

There are exceptions; for example, if it can be proven that the suicide resulted from a mental disorder that impaired the individual's will, the payout may be granted. In other cases, the insurer may even reimburse payments made if the suicide occurs outside the grace period, which is usually one or two years. In all these cases, the beneficiary will need adequate legal coverage.. A good Lawyer.

Blood test are standard procedure when you are in emergency room… to assess injuries, monitor for shock or blood loss.. Insurances company usually ensure this method is followed in hospitals; the police even need the analysis for reports in case of criminal prosecution.

The insurance company will wash its hands of the matter if she consumed alcohol..

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