# [Health Insurance] 23, Payment of Claims and Physical Examination

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-23-payment-of-claims-and-physical-examination
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-23-payment-of-claims-and-physical-examination.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-04-19T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/03c4f004-d8da-4eb8-a992-c955c0aaf1b9.mp3
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JSON: https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/health-insurance-23-payment-of-claims-and-physical-examination
Duration seconds: 167

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That claim benefits are paid to the insured, their assignee (like a hospital), or a beneficiary. - The 'facility of payment' clause allows insurers to make small, immediate payments to a relative for final expenses. - Insurers have the right to require a physical exam of the insured while a claim is pending. - The insurer is always responsible for the cost of any physical exam or autopsy they require. - An autopsy can be performed at the insurer's expense unless it is prohibited by state law. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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