Who is entitled to receive claims payments while the insured is living, as stipulated in the Payment of claims provision?

In the context of health insurance policies, the Payment of Claims provision typically outlines who is entitled to receive payment for claims while the insured individual is alive. The correct answer relates to the fact that the insured is the individual covered by the policy and, in most cases, they retain the right to receive payments for claims related to their healthcare expenses. This means that while the insured person is living and incurs healthcare costs that are covered by the policy, they are the ones who can receive the claims payments directly from the insurance company.

In many instances, even if a beneficiary is designated for life insurance or similar policies, during the insured's lifetime, the insurer will typically disburse payments to the insured for incurred medical expenses. This aligns with the general principles of how health insurance claims function, where the insured individual will use the benefits while they are alive to cover their medical costs.

The insurer does not receive claims payments in this context because they are the entity responsible for paying out the claims rather than receiving them. The policyholder is usually the person who owns the insurance policy, but in health insurance scenarios, it is often the insured themselves. Lastly, while beneficiaries are important in policies like life insurance, they usually become relevant only after the insured’s death, indicating