What rights does the insurer have regarding examination or autopsy?

What rights does the insurer have regarding examination or autopsy?

• A. The insurer has no right to examine the insured.
• B. The insurer may require a medical exam or autopsy at its expense.
• C. The insured must pay for any required exam.
• D. Autopsy is mandatory in all cases.

Answer: (B)

Insurers can require a medical examination or, with consent and where allowed by law, an autopsy, and the insurer pays the cost. This authority is used during underwriting to assess health risk and, after a death, to investigate a claim. An autopsy isn’t mandatory in every case, and the insured doesn’t pay for the exam. The blanket statement that there’s no right to examination is inaccurate, and autopsies aren’t required in all situations.

Insurers can require a medical examination or, with consent and where allowed by law, an autopsy, and the insurer pays the cost. This authority is used during underwriting to assess health risk and, after a death, to investigate a claim. An autopsy isn’t mandatory in every case, and the insured doesn’t pay for the exam. The blanket statement that there’s no right to examination is inaccurate, and autopsies aren’t required in all situations.