How long is an authorization valid for insurance purposes?

An authorization for insurance purposes is valid for a duration of 24 months. This timeframe is established to ensure that the information provided remains relevant and accurate for underwriting purposes. After 24 months, an insurer may require a new authorization to access or review any necessary medical or personal information. This helps protect consumers by ensuring that outdated information is not utilized for decisions on coverage or pricing. The 24-month validity period strikes a balance between the need for current information and the privacy rights of individuals, allowing for updates to medical histories and personal circumstances that may have occurred since the last authorization was granted.