Which of these scenarios would likely NOT require proof of loss for immediate coverage after reinstatement?

The scenario involving a routine check-up without hospitalization would likely not require proof of loss for immediate coverage after reinstatement because routine check-ups are generally preventive in nature and do not imply an instance of loss that needs to be substantiated for insurance purposes. Proof of loss is typically associated with claims that arise from an event leading to a financial loss, such as hospitalization, surgeries, or other significant medical expenses.

In contrast, other scenarios—such as recent hospitalizations, submitting claim forms, or addressing previous denied claims—convey situations where proof of loss is essential for validating a claim that is directly related to a loss incurred. Such instances may require documentation to support the insurance claim process, whereas a routine check-up does not introduce any immediate risk of financial loss that would necessitate this proof. The focus in health insurance practices is often on substantiating claims that arise from unexpected or medical emergencies rather than standard preventive services like check-ups that are covered under many plans without additional proof of loss.