If a health insurance claim is not promptly paid, legal action may be taken against the insurer after how many days from the date proof of loss is furnished?

The correct answer is based on standard procedures outlined in many insurance policies, which often specify that a claimant may take legal action if a claim has not been paid within a designated timeframe following the submission of proof of loss. In this case, 60 days is the period typically recognized. This timeframe allows the insurance company adequate time to review the claim and make a determination. If the insurer fails to respond or settle the claim within those 60 days, the policyholder may seek legal recourse.

Understanding the rationale behind this timeframe is critical for both policyholders and insurance professionals. It emphasizes the importance of timely processing of claims and protects the interests of consumers while holding insurers accountable for their obligations under the policy. The duration specified helps maintain an efficient claims process and ensures that parties have a clear understanding of their rights and obligations following a claim submission.