South Carolina Life and Health Practice Exam

An insured must submit proof of loss on a health insurance claim within how many days after the date of loss?

1. 60 days

2. 90 days

3. 30 days

4. 120 days

The correct answer is: 90 days

The requirement for submitting proof of loss in a health insurance claim is generally 90 days after the date of the loss. This timeframe is consistent with standard practices in the industry, allowing health insurance companies to process claims efficiently while giving the insured adequate time to gather necessary documentation to support their claims. While some policies may specify shorter or longer periods, the 90-day period is a widely accepted standard that helps ensure that claims are filed in a timely manner. This option aligns with regulatory guidelines and common practices observed in health insurance contracts, reflecting the industry norm aimed at protecting both insurers and policyholders.