What is the time frame in which written proof of loss must be submitted to the insurer?

The correct answer indicates that written proof of loss must be submitted to the insurer within 90 days. This time frame is standard in many health insurance policies and aligns with the requirement that policyholders provide documentation of a claim in a timely manner so that the insurer can process it without unnecessary delays.

Submitting proof of loss within 90 days ensures that the insurer has all the relevant information needed to assess the claim accurately with respect to coverage and benefits. Failing to provide this documentation within the specified time might lead to delays or potential denial of the claim, which underscores the importance of adhering to this timeframe.

Other time frames like 30, 60, or 120 days may not adequately balance expediency with thoroughness. The 90-day period is generally seen as sufficient for individuals to gather the necessary documentation, while also allowing insurers to efficiently manage their claim processing workloads.