A company shall have the right and shall be afforded the opportunity to have any policyholder claiming to be sick or injured examined by its physician as often as it may reasonably require during the pendency of any claim for sick or accident benefits. No action at law or in equity shall be maintained in any of the courts of this state for the recovery of any claim to sick or accident benefits when such examination of the person of the insured has been obstructed or refused.
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