So that we can avoid the modes of insurance fraud carried out by unscrupulous employees of the marketing department, we must first get to know the practice or mode of insurance fraud which has been discussed in my previous thread entitled "5 Modes of Insurance Fraud". Next we will discuss 10 Ways to Avoid Insurance Fraud, especially when we are going to choose health insurance.
1. Get More Information about Insurance companies.
Even though there are many businesses or insurance companies, it will not make it difficult for us to find information through digital tracks, track records so that you will get information about the performance of insurance companies.
2. Choose only authorized and licensed insurance agents.
Before buying an insurance policy, make sure that the insurance agent who is offering the product has an official license from the Life Insurance Association in your country.
3. Research and Review Insurance Plans
As a prospective customer, you need to research and review insurance plans, because each insurance plan will have a different amount of premium to be paid.
4. Insurance Limits
Insurance limit is the limit of benefits that will be received by health policy holders. In general, the limit will depend on benefits, such as medicines, hospital room fees, doctor's actions, check-ups etc. which you should check carefully.
5. Insurance List Requirements
The requirements for the insurance list will affect the size of the insurance premium payment, such as age, type of illness suffered. You can also visit their website for complete information about insurance requirements or you can also ask agents via phone or live chat.
6. Read the policy carefully
You need to read the policy carefully so that you know very well what protection you can receive. Don't forget to ask about the type of illness and health conditions covered by the insurance package.
7. Claim submission process
Don't forget to ask about the process of submitting an insurance claim when a risk occurs. Do they implement a reimbursement or cashless system.
8. Completeness of the required documents
You also need to ask for the completeness of the documents needed to submit a claim, how to submit a claim and to whom to submit it.
9. Compare Insurance Products
The number of insurance companies and the types of insurance products they offer requires us to be careful before buying an insurance policy. So we need to compare several insurance products, starting with how much premiums must be paid, benefits, and terms and conditions for submitting claims.
10. Read Testimonials Before Deciding
Don't forget to take the time to read testimonials about the services we can receive from insurance companies, the accuracy of information from insurance agents, customer service support, and any partner hospitals.
1. Get More Information about Insurance companies.
Even though there are many businesses or insurance companies, it will not make it difficult for us to find information through digital tracks, track records so that you will get information about the performance of insurance companies.
2. Choose only authorized and licensed insurance agents.
Before buying an insurance policy, make sure that the insurance agent who is offering the product has an official license from the Life Insurance Association in your country.
3. Research and Review Insurance Plans
As a prospective customer, you need to research and review insurance plans, because each insurance plan will have a different amount of premium to be paid.
4. Insurance Limits
Insurance limit is the limit of benefits that will be received by health policy holders. In general, the limit will depend on benefits, such as medicines, hospital room fees, doctor's actions, check-ups etc. which you should check carefully.
5. Insurance List Requirements
The requirements for the insurance list will affect the size of the insurance premium payment, such as age, type of illness suffered. You can also visit their website for complete information about insurance requirements or you can also ask agents via phone or live chat.
6. Read the policy carefully
You need to read the policy carefully so that you know very well what protection you can receive. Don't forget to ask about the type of illness and health conditions covered by the insurance package.
7. Claim submission process
Don't forget to ask about the process of submitting an insurance claim when a risk occurs. Do they implement a reimbursement or cashless system.
8. Completeness of the required documents
You also need to ask for the completeness of the documents needed to submit a claim, how to submit a claim and to whom to submit it.
9. Compare Insurance Products
The number of insurance companies and the types of insurance products they offer requires us to be careful before buying an insurance policy. So we need to compare several insurance products, starting with how much premiums must be paid, benefits, and terms and conditions for submitting claims.
10. Read Testimonials Before Deciding
Don't forget to take the time to read testimonials about the services we can receive from insurance companies, the accuracy of information from insurance agents, customer service support, and any partner hospitals.
