Health Insurance Mastery Practice Exam

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Master the Health Insurance Exam with insightful questions and detailed explanations. Prepare effectively with comprehensive flashcards and multiple-choice questions. Ace your test confidently!

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After submitting written proofs of loss to an insurer, how long must the insured wait to take legal action if the insurer refuses to pay?

30 days
60 days
90 days
120 days

The correct answer is: 60 days

The correct answer indicates that after submitting written proofs of loss to an insurer, the insured must wait 60 days before taking legal action if the insurer refuses to pay. This time frame is typically established by insurance policy provisions and state laws, reflecting the idea that insurers need adequate time to assess the claim and determine whether payment is justified. This period allows the insurer to fully evaluate the claim and respond appropriately. If the insurer fails to settle the claim after this 60-day duration, the insured is then able to pursue legal action. This timeframe serves to balance the interests of both the insurer and the insured, giving both parties a reasonable period to resolve any disputes without immediately escalating to litigation.