1202                            LAWS OF MARYLAND                       [CH. 553

in ninety (90) days after the termination of the period for which
the insurer is liable and in case of claim for any other loss within
ninety (90) days after the date of such loss. Failure to furnish such
proof within the time required shall not invalidate nor reduce any
claim if it was not reasonably possible to give proof within such
time, provided such proof is furnished as soon as reasonably possible
and in no event, except in the absence of legal capacity, later than
one (1) year from the time proof is otherwise required."

447.    Time of Payment of Claims.

There shall be a provision as follows:

"Time of Payment of Claims: Indemnities payable under this
policy for any loss other than loss for which this policy provides any
periodic payment, will be paid immediately upon receipt of due writ-
ten proof of such loss. Subject to due written proof of loss, all ac-
crued indemnities for loss for which this policy provides periodic
payment will be paid ..... (insert period for payment which must not
be less frequently than monthly) and any balance remaining unpaid
upon the termination of liability will be paid immediately upon receipt
of due written proof."

A policy shall not be deemed to provide for periodic payment for
any loss unless specifically so stated therein.

448.    Payment of Claims.

There shall be a provision as follows:

"Payment of Claims: Indemnity for loss of life will be payable in
accordance with the beneficiary designation and the provisions re-
specting such payment which may be prescribed herein and effective
at the time of payment. If no such designation or provision is then
effective, such indemnity shall be payable to the estate of the insured.
Any other accrued indemnities unpaid at the insured's death may, at
the option of the insurer, be paid either to such beneficiary or to
such estate. All other indemnities will be payable to the insured."

The following provisions, or either of them, may be included with
the foregoing provision at the option of the insurer:

"If any indemnity of this policy shall be payable to the estate of
the insured, or to an insured or beneficiary who is a minor or other-
wise not competent to give a valid release, the insurer may pay such
indemnity, up to an amount not exceeding $ .... (insert an amount
which shall not exceed $1,000), to any relative by blood or connection
by marriage of the insured or beneficiary who is deemed by the in-
surer to be equitably entitled thereto. Any payment made by the in-
surer in good faith pursuant to this provision shall fully discharge
the insurer to the extent of such payment."

"Subject to any written direction of the insured in the application
or otherwise all or a portion of any indemnities provided by this
policy on account of hospital, nursing, medical or surgical services
may, at the insurer's option and unless the insured requests other-
wise in writing not later than the time of filing proof of such loss,
be paid directly to the hospital or person rendering such services; but
it is not required that the service be rendered by a particular hospital
or person."