194Time for making application when no decision made

194 Time for making application when no decision made under s 191 (a) an insurer is required to make a decision under section 191 (Internal review—decision) (a section 191 decision) in relation to an application for internal review of an internally reviewable decision; and (b) the insurer has not made the section 191 decision within the time required under section 191 (1), or any further time allowed under the MAI guidelines; and (c) the applicant for internal review may apply to the ACAT for review of the internally reviewable decision. (2) An application for review of the internally reviewable decision may be made within 28 days after the end of the period mentioned in subsection (1) (b).