Which statement best describes the requirement for notifying the insurer of a health claim?

• A. Notice may be given orally or in writing at any time.
• B. Notice must be in writing within sixty days.
• C. Notice must be in writing within twenty days.
• D. No notice is required.

Answer: (C)

The key idea is that health claims must be reported to the insurer in writing within a short, defined window. The correct rule is that notice of a health claim must be given in writing within twenty days after the loss occurs. This requirement ensures the insurer can promptly investigate and creates a clear record of when the claim process started. Written notice, not just an oral heads-up, is typically part of the policy terms, and delaying beyond twenty days can put the claim at risk if the insurer is prejudiced by the late notice. The other options don’t fit standard health policy practice: oral notice isn’t usually enough, sixty days is longer than the typical window, and there is indeed a requirement to notify rather than no notice.