California Insurance Code & EthicsQuestion 64 of 716
California's prompt payment statute for health insurance claims generally requires an insurer to pay or contest a clean claim within how many working days of receipt?
a.90 working days
b.45 working days
c.60 working days
d.30 working days
Explanation
§10123.13 requires payment or written contest of a clean claim within 30 working days of receipt; interest accrues on late payments. (HMOs under DMHC have a parallel 45-working-day rule.)
Law Reference: Cal. Ins. Code §10123.13This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)