While a claim is pending, what may an insurance company require?

When a claim is pending, an insurance company may require an independent examination as often as reasonably needed to assess the validity and details of the claim. This requirement is typically outlined in the policy terms and is essential for the insurer to gather necessary medical evidence and clarify any uncertainties regarding the claimant's condition.

The independent examination allows the insurance company to obtain an unbiased assessment of the claim, ensuring that they have a comprehensive understanding of the situation before making a decision. This is essential in cases where the severity of the condition or the validity of the claim may be in question.

While a detailed medical history, proof of premium payments, or statements from employers may also be relevant in various contexts, the independent examination is specifically designed to directly address the claim's merits by providing impartial medical evaluations. This makes it the most pertinent requirement during the claims process.