Ohio Insurance Laws and Regulations Practice Exam

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Proof of loss on a health insurance claim must be submitted to an insurer within how many days after the insured's date of loss?

  1. 90

  2. 60

  3. 30

  4. 120

The correct answer is: 90

The correct answer is that proof of loss on a health insurance claim must be submitted to an insurer within 90 days after the insured's date of loss. This timeframe allows for a reasonable amount of time for the insured to gather all necessary documents and submit their claim to the insurer. Choosing options B, C, or D would result in a delay in submitting the claim, potentially causing complications and delay in receiving reimbursement. Option B of 60 days is incorrect as it gives the insured less time to submit their proof of loss. Option C of 30 days is incorrect as it does not give the insured enough time to gather all necessary documents and submit their claim. Option D of 120 days is incorrect as it gives the insured too much time, which could potentially result in fraud or the insured forgetting to submit their claim altogether.