If Rick does not receive a claim form within 15 days, he may comply with the proof of loss provision by submitting the claim using any form, which the insurer is obliged to accept as proof of loss.
According to the claims form provision, the insurer must accept any claims form as sufficient proof of loss if the insurer has not provided forms for claims. Thus, the insured is obligated only to provide proof of loss in writing.
The health insurance policies are annual contracts. So when you renew your policy every year, and the year in which you do not make a claim on your insurance, and when you renew the policy, the insurer rewards you with a no-claim bonus.
Hence, once the proposal is submitted, you should hear from the insurance company in 15 days. If not, take up the matter in writing.
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