意外与健康保单条款第 509 / 716 题
The mandatory 'proof of loss' provision generally requires the insured to submit proof of loss within:
a.Five days after the date on which the covered loss occurs
b.A stated period, commonly 90 days after the date of the loss
c.Three years after the insured's course of treatment is completed
d.Ten years after the date on which the policy was originally issued
解析
The proof of loss provision typically requires written proof within 90 days after the loss (or as soon as reasonably possible, and not later than one year except in cases of legal incapacity). Five days is too short, and three or ten years is far too long. Proof of loss documents the details the insurer needs to determine what it owes. Failing to provide timely proof can jeopardize a claim, which is why the 90-day standard is worth remembering.
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同考点相关题目
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- Under the 'claim forms' provision, if the insurer fails to furnish claim forms within the required time (usually 15 days) after receiving notice of claim, the insured may:
- 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)