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

Give the insurer notice of a claim within the time stated in the policy

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

2. Under the claim forms provision, if the insurer does not furnish claim forms within the required time, the insured may:

Submit proof of loss in their own written statement

If the insurer fails to supply claim forms timely, the insured may submit written proof of loss in any reasonable form.

3. The time of payment of claims provision in a health policy requires the insurer to:

Pay covered claims promptly after receiving proof of loss

This provision requires the insurer to pay covered claims promptly upon receiving acceptable proof of loss.

4. The payment of claims provision generally directs that health policy benefits be paid:

To the insured, or to a named beneficiary for any death benefit

Benefits are generally payable to the insured, with any death benefit paid to a designated beneficiary.