意外与健康保单条款第 617 / 716 题
The 'legal actions' mandatory provision states that an insured may not sue the insurer until a set time after proof of loss, and no later than a stated outer limit. Those periods are commonly:
a.1 year after proof of loss and no more than 2 years after the loss itself
b.immediately upon filing proof of loss, with no outer limit on the time to sue at all
c.60 days after proof of loss and no more than 3 years after proof was required
d.10 days after proof of loss and no more than 6 months after the claim is denied
解析
The legal actions provision typically bars suit for 60 days after proof of loss and requires any suit within about 3 years. This gives the insurer time to process while preserving the insured's right to sue.
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同考点相关题目
- Under the 'claim forms' mandatory provision, if the insurer fails to furnish claim forms within a set time (often 15 days) after notice, the insured may:
- The 'proof of loss' mandatory provision typically requires the insured to furnish written proof within:
- The 'time of payment of claims' provision requires the insurer to pay claims:
- The mandatory 'physical examination and autopsy' provision allows the insurer, at its own expense, to:
- In individual health insurance, the length of the grace period usually depends on the:
- After an individual health policy has been in force for the period stated in the 'time limit on certain defenses,' a claim for a pre-existing condition that is NOT specifically excluded by name:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)