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

Notify the insurer of a loss within a stated time after it occurs

The notice of claim provision requires timely notice to the insurer, commonly within twenty days of a loss or as soon as reasonably possible.

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

Submit written proof of loss in any reasonable form

If the insurer fails to supply claim forms on time, the insured may submit proof of loss in their own words within the proof-of-loss period.

3. A conditionally renewable health policy allows the insurer to:

Decline renewal only for reasons stated in the policy

A conditionally renewable policy may be nonrenewed only for conditions specified in the contract, such as the insured reaching a stated age.

4. An optionally renewable health policy gives the insurer the right to:

Refuse renewal on a policy anniversary or premium due date

An optionally renewable policy lets the insurer decline renewal at specified dates and adjust premiums by class.