Except in a case where the obligation of an insurer is not reasonably clear, or when there is a reasonable basis supported by specific information available for review by the superintendent that such claim was submitted fraudulently, such insurer shall pay the claim to a policyholder or covered person or make a payment to a health care provider within thirty days of receipt of a claim or bill for services rendered that is transmitted via the internet or electronic mail, or forty-five days of receipt of a claim or bill for services rendered that is submitted by other means, such as paper or facsimile.

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