1. The notice of claim provision in an individual health policy generally requires the insured to:

notify the insurer of a loss within a stated period

The notice of claim provision requires the insured to notify the insurer of a loss within the stated time.

2. If an insurer does not furnish claim forms within the required time after receiving notice of claim, the insured may:

submit proof of loss in any written form describing the loss

If claim forms are not provided in time the insured may submit proof of loss in any written form.

3. The payment of claims provision in a health policy specifies:

to whom benefits are paid such as the insured or a named beneficiary

The payment of claims provision states to whom benefits are paid.

4. An optional provision allowing the insurer to deny a claim for a loss resulting from the insured's intoxication or commission of a felony addresses:

illegal occupation and intoxicants and narcotics

The illegal occupation and intoxicants/narcotics optional provisions let the insurer deny losses from such conduct.