意外与健康保单条款第 507 / 716 题
The mandatory 'notice of claim' provision requires the insured to notify the insurer of a claim within:
a.Six months after the insured's entire course of treatment for the loss has ended
b.Exactly five days from the date of loss, with no exception allowed when notice was not reasonably possible
c.A stated period, typically 20 days after a loss or as soon as reasonably possible
d.One full year after the loss, measured from the date the insured first sought care
解析
The notice of claim provision requires the insured to tell the insurer that a loss has occurred within a stated time, commonly 20 days after the loss or as soon as reasonably possible. A rigid five-day rule, six months, or a full year does not match the standard uniform provision. Prompt notice lets the insurer begin processing and, if needed, investigate the claim. This is the first step in the claims sequence, followed by claim forms and proof of loss.
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同考点相关题目
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- Under the Uniform Provisions Law, the 'time limit on certain defenses' (incontestability) provision in an individual health policy generally prevents the insurer, after the policy has been in force for a stated period, from:
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- The mandatory 'time of payment of claims' provision requires the insurer to pay claims:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)