What action should an insurer take if they deny a claim based on personal information?

When an insurer denies a claim based on personal information, it is important for them to make the information accessible to the claimant within a specified time frame. This action aligns with transparency requirements under laws governing insurance practices and consumer rights.

Providing access to the basis for denial not only helps to ensure that the insured understands the reasoning behind the decision but also allows them the opportunity to respond to the denial or provide additional supporting information. This practice upholds ethical standards and promotes good faith in the insurer-insured relationship.

Moreover, regulatory guidelines often stipulate that consumers have the right to understand the factors leading to decisions affecting their claims. By making this information accessible, the insurer complies with these regulations and fosters trust within their operations. This approach can also reduce the likelihood of disputes and enhance the claimant's ability to contest a denial if they believe it was unjust.