New Jersey Life and Health State Practice Exam

A health insurer must be provided with written proof of loss within how many days after the date of loss?

1. 30 days

2. 60 days

3. 90 days

4. 120 days

The correct answer is: 90 days

In the context of health insurance, health insurers typically require policyholders to submit written proof of loss within a specific period following a loss event. The correct timeframe for providing such proof, which is crucial for processing claims and benefits, is generally 90 days from the date of loss. This 90-day requirement ensures that the insurer has timely access to necessary documentation while also providing a reasonable amount of time for policyholders to gather and submit the needed information. Compliance with this timeframe is important for both the insurer and the insured, as it facilitates efficient claims handling and helps avoid delays in benefit payments. Recognizing this timeframe is essential for individuals navigating their health insurance policies to ensure they meet all obligations and preserve their rights to claim benefits.