How long must an insured wait after providing written proof of loss before bringing legal action against their accident and health insurer?

The policy stipulates that an insured individual must wait 60 days after providing written proof of loss before initiating legal action against their accident and health insurer. This timeframe is established to ensure that the insurer has sufficient opportunity to review the claim and process it appropriately. It serves as a grace period for both parties, allowing for any disputes or misunderstandings regarding the claim to be addressed before legal proceedings are pursued.

This 60-day period is standard in many insurance contracts, as it balances the rights of the insured with the insurers' responsibilities to evaluate claims thoroughly. By requiring a waiting period, the law helps facilitate communication and resolution between the insurer and insured, potentially avoiding the need for litigation altogether.