Answer :
Final answer:
An insured must typically wait for a specific period after submitting a proof of loss before they can file a lawsuit against their health insurer, usually around 60 days.
Explanation:
Under the legal actions provision of health insurance policies, an insured is usually prevented from bringing a lawsuit against the insurer to recover on a health policy prior to the expiration of a certain period following the filing of a proof of loss. This timeframe allows the insurer to investigate the claim and make a payment decision. The typical period specified is often around 60 days, but this can vary depending on the policy and the laws of the state in which the policy was issued.
