North Caroline Health Insurance – Accident And Sickness Practice Test

Before suing for nonpayment, the policyowner must wait at least how long after submitting proof of loss?

30 days 60 days 90 days 120 days

Correct Answer:

60 days

Explanation:

After proof of loss is submitted, the policy typically requires a waiting period before you can bring a lawsuit for nonpayment. This gap gives the insurer time to review, adjust, and pay claims if due. The standard minimum for health insurance policies is sixty days, which is why sixty days is the correct choice. A shorter period, like thirty days, usually isn’t enough time for the insurer to complete the claims process. Longer periods, such as ninety or one hundred twenty days, aren’t the usual minimum and aren’t the standard answer in most practice questions, even though some policies could vary.

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