Within how many days must a health insurer receive written proof of loss after the date of loss?

In New Jersey, the requirement for health insurers to receive written proof of loss after a date of loss is specified in the applicable insurance regulations. The correct timeframe for submission of this proof is within 90 days from the date of loss. This timeframe is in place to ensure that claims are processed efficiently, allowing both the insurer and the insured to manage their responsibilities effectively.

The 90-day period is designed to allow the insured sufficient time to gather necessary documentation and file the claim without undue pressure. This regulation is applicable to most health insurance policies, establishing a standard that promotes timely claim resolution while also acknowledging the practical realities of gathering evidence to support a claim.

This standard promotes fairness in the insurance process by ensuring that claimants are not left indefinitely uncertain about the status of their claims. The other timeframes provided (30 days, 60 days, and 120 days) do not align with the established regulations in New Jersey regarding proof of loss, making them inappropriate choices.