Payment of Claims

Mandatory provision directing who gets paid: benefits go to the insured (or, at the insurer's option, directly to the hospital/provider). A death benefit goes to the named beneficiary; with no beneficiary, to the insured's estate; if the beneficiary is a minor or can't give a valid release, up to $3,000 may be paid to a relative by blood or marriage (F.S. 627.614).

The money trail: you → (or your doctor) → your beneficiary → your estate.