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

The correct duration for providing proof of loss following a health insurance claim typically aligns with the standard practices in the insurance industry, which often stipulate that an insured must submit proof of loss within 90 days after the date of the loss or the occurrence that necessitated the claim. This 90-day timeframe allows the insurer adequate opportunity to process the claim and conduct any necessary investigations while also ensuring that the insured has a reasonable period to compile the required documentation for the claim.

In many health insurance policies, this time limit is designed to encourage prompt reporting of claims, which can help expedite the claims process and assist both the insurer and the insured in managing their responsibilities. It’s essential for policyholders to understand these deadlines, as failing to provide proof of loss within the stipulated period can potentially result in denial of the claim.