Coordination of benefits with other accident and sickness insurance policies

The contracts issued by the comprehensive health association of North Dakota for accident and sickness insurance coverage must in all cases be considered secondary to any other accident and sickness insurance policy the insured may have. Benefits to be paid by the comprehensive health association of North Dakota for a covered person on any individual claim may not exceed the difference in the amount between allowable covered expenses for that claim and any amounts covered by other accident and sickness insurance policies carried by the insured. For the purpose of this section, policy includes insurance certificates and other evidence of coverage.