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In the health insurance claim settlement process, what is the role of the 'Surveyor' appointed by the insurer?

medium Q4 of Q15
Insurance Awareness - Health Insurance
In the health insurance claim settlement process, what is the role of the 'Surveyor' appointed by the insurer?
ATo approve the claim amount immediately
BTo investigate and verify the claim details and documents
CTo pay the claim amount to the insured
DTo provide medical treatment to the insured
Step-by-Step Solution
  1. Step 1: Understand the surveyor's function

    A surveyor is appointed by the insurer to investigate and verify the authenticity of the claim and documents submitted.
  2. Step 2: Eliminate incorrect roles

    Surveyors do not approve claims, pay amounts, or provide medical treatment.
  3. Final Answer:

    To investigate and verify the claim details and documents → Option B
  4. Quick Check:

    Surveyor's verification helps prevent fraudulent claims.
Quick Trick: Remember: Surveyor = Claim verification expert.
Common Mistakes:
MISTAKES
  • Confusing surveyor with claim approver or payer.
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