PSI Ohio Insurance Practice Exam

How many days does the insured have to provide proof of loss following a health insurance claim?

1. 30 days

2. 45 days

3. 60 days

4. 90 days

The correct answer is: 90 days

The insured has 90 days to provide proof of loss following a health insurance claim. This timeframe allows the insured adequate opportunity to gather the necessary documentation, such as medical records and payment receipts, to substantiate their claim. It is an industry standard designed to balance the needs of both the insured and the insurer, ensuring that claims are handled in a timely manner while allowing for the complexities that can come with health-related documentation. Other options listed, such as 30, 45, and 60 days, do not provide enough time for the insured to compile complete and accurate proof of loss, which can often require more thorough documentation in health insurance contexts.