What is an insured's right to make a claim under a health insurance policy?

An insured's right to make a claim under a health insurance policy is best described by claim submission rights. This refers to the insured's ability to formally present their claim to the insurer for coverage of medical expenses or health-related costs. Health insurance policies outline specific procedures and timelines for submitting claims, ensuring that policyholders have the necessary framework to access the benefits for which they have paid.

By understanding claim submission rights, insured individuals can navigate the claims process effectively, ensuring that their claims are filed accurately and in compliance with insurance regulations. This right is crucial because it empowers the insured to seek reimbursement or payment for health services covered under their policy, facilitating access to necessary medical care without the burden of upfront costs.

In contrast to claim submission rights, the other options do not accurately capture the essence of an insured's ability to present a claim for benefits. Cancellation, adjustment, and approval rights refer to different aspects of managing claims or the insurance policy itself, but they do not directly address the fundamental right of an insured to initiate a claim.