If an insurer refuses to pay a claim, how many days must the insured wait to take legal action against a health insurer after submitting written proof of loss?

After submitting written proof of loss, the insured must wait for at least 60 days before taking any legal action against the health insurer. This allows the insurer time to review the claim and make a decision. Option A may seem like a reasonable amount of time, but it may not be enough for the insurer to properly assess the claim and come to a decision. Option B and D may also seem like reasonable options, but they are not as appropriate as 60 days. Waiting only 45 days may not give the insurer enough time to thoroughly review and investigate the claim, while 90 days may be too long of a delay for the insured who is waiting for a decision on their claim. Therefore, option C is the most suitable answer.