Delaware Health Insurance Practice Exam 2025 – All-in-One Comprehensive Study Guide for Exam Success!

In the scenario where an insurance company does not send the claim forms in a timely manner, the insured is allowed to submit the claim using any form that can serve as proof of loss. This requirement is in place to ensure that policyholders do not face undue delays or hardships in the claims process when the insurance company fails to provide the necessary documentation.

Submitting the claim in any form serves to initiate the claims process and provides the insurer with the information needed to evaluate the claim, even if it does not conform to the specific format that the insurer typically requires. This provision protects the policyholder's rights and promotes a more efficient resolution of claims, as it allows them to bypass potential delays caused by the insurance company's failure to act promptly.

This understanding emphasizes the importance of timely communication and obligation on the part of the insurer, as well as empowering the insured to take proactive steps in securing their benefits. The other potential actions, such as waiting for claim forms, contacting regulators, or filing complaints, are not immediate solutions to the issue at hand and could prolong the claims process unnecessarily.