Proof of loss on a health insurance claim must be submitted to an insurer within how many days after the insured's date of loss?

The requirement for submitting proof of loss for a health insurance claim is typically set at 90 days after the date of loss. This timeframe is standard in many insurance policies, ensuring that the necessary documentation is provided while the details of the claim are still fresh and easily verifiable.

Timely submission of proof of loss is crucial as it helps the insurer process the claim efficiently and ensures that the insured can receive their benefits without unnecessary delays. If the proof of loss is not submitted within this 90-day period, the insurer may deny the claim based on the policy's provisions regarding timely notification and documentation.

In contrast, shorter timeframes such as 30 days and 60 days would not align with the common industry standards for health insurance claims, while 120 days might be considered excessively lenient, potentially hampering the insurer’s ability to manage claims effectively. Therefore, requiring proof of loss within 90 days strikes a balance between expediency for the insurer and allowing the insured adequate time to gather and submit the necessary documentation.