If insureds have not received the proper claim forms within 15 days of notifying the insurer of a covered loss under a major medical policy, they have the right to do what?

When insureds notify their insurance company of a covered loss, the expectation is that the insurer will provide the necessary claim forms within a specified timeframe—in this case, 15 days. If these forms are not received within that period, the insured has the right to submit their claim in a different manner, specifically by providing a description of the loss on a plain sheet of paper. This approach allows insured individuals to ensure their claims are not delayed solely due to bureaucratic processes; they can proceed with detailing the circumstances of their claim directly, which the insurer must then acknowledge and process.

This provision exists to protect consumers, ensuring they are not unfairly penalized for a lack of communication or delays on the insurer's part. It also helps to expedite the claims process, promoting a more efficient resolution for the insured. By enabling claim submissions in this manner, the insurance framework emphasizes the importance of timely and fair claim handling, enhancing consumer rights in the insurance process.