California Life and Health Insurance Practice Exam

What must accompany an insurance company's request for an attending physician's report?

1. A check for services rendered

2. A copy of the signed authorization

3. A verbal consent from the insured

4. Initial medical records only

The correct answer is: A copy of the signed authorization

The requirement for an insurance company to provide a copy of the signed authorization is essential because it ensures compliance with laws regarding patient privacy and the sharing of medical information. The signed authorization acts as proof that the insured has granted permission for the insurer to obtain information from their attending physician, which is vital for the accurate assessment of claims or policy applications. This authorization not only protects the rights of the insured but also maintains transparency in the claims process. Without this signed document, the insurance company may not have the legal right to access the insured's medical information, potentially delaying or complicating the claims process. The other options do not fulfill this important legal and procedural requirement, making the signed authorization the necessary accompaniment to a request for an attending physician's report.