What is a standard requirement for insurers when conducting a medical examination for applicants in California?

The requirement that the insurer must provide the applicant with copies of all test results is grounded in the principles of transparency and consumer rights. In California, as part of the regulation surrounding health disclosures, insurers are obligated to share information regarding medical examinations. This ensures that applicants are fully informed about the results of any tests performed and allows them to understand their own health status as well as any potential implications for coverage.

This practice protects the rights of applicants, fostering trust between consumers and insurance providers. By granting access to test results, it enhances accountability and enables applicants to make informed decisions regarding their health insurance coverage based on the findings. It also aligns with broader laws related to patient privacy and health information transparency.

Other options fail to represent the standard requirements accurately. For instance, while the insurer's choice of the physician may be relevant, it is not mandated as a requirement. Waiving rights to privacy without due consent would contradict established health privacy laws, and limiting examinations to insurer offices only would unnecessarily restrict access to medical care. Hence, the correct assertion emphasizes the importance of applicant rights in obtaining their health information.