Having health insurance is very important, both for those who are single and those who are married. Especially for those with families, the benefits can be said to be double because one policy can be used to cover all family members.

Given the importance of insurance ownership, more and more people are taking advantage of this moment for fraud. So that you don't become a victim, apply the following tips.

7 Tips to Avoid Being a Victim of Insurance Scams

1. Get to know the insurance company

The first tip, first identify the insurance company. Companies that have good credibility or reputation will not deceive customers or potential customers. Because, it is the company's mission to provide the best.

Important points to ensure the credibility of the insurance company is good or not, including having an official website. The website contains information about the vision, mission, products, addresses, branches, services, and financial statements of insurance companies.

Ask the name of the company if someone offers a health insurance product, then find out the information before buying.

2. Review the insurance plan

A good insurance company has a clear plan or product plan. This plan will later be shown to customers to ensure that a product meets their needs.

As a potential customer, it is important to review the plans offered. This is because the plan chosen will affect the amount of premium paid as long as the policy is still inforced.

Do not pay dearly, but the insurance benefits are not used at all. Ask for time to consider the plan before making a decision, especially since this health insurance is long-term.

3. Adequate limit

The amount of premium is a basic consideration before buying insurance products. But, your focus is not only on that one point. It would be nice to see the limit given as a whole per year.

The bigger the limit, of course the better because it will provide its own relief if one day you fall ill. At least, these costs are covered by the insurance company, so the possibility of personal money being used is small.

This overall limit will usually be subdivided into various health benefits. For example, room costs, medicines, check-ups, and others. You can check one by one when the agent offers insurance products, so you won't make the wrong choice later.

4. Insurance list requirements

Each insurance company has general and special requirements for prospective customers which automatically affect the size of the monthly premium. One of these requirements is in terms of age. The older the age of entering insurance, the premiums are usually more expensive than customers who enter at a young age.

This is inseparable from the risk of disease that occurs. Older people are usually more susceptible to disease. In addition, the level or level of the disease is also more severe than young people.

Complete information about the requirements can be seen directly on the insurance company's official website. You can also ask the agent by phone or live chat feature.

5. Compare products

Health and life insurance are two products that are definitely owned by insurance companies. However, the products and benefits offered will certainly vary between companies.

Before deciding, you should first compare the products from each insurance to get the best one. Especially if you plan to have only one unit of insurance for life.

The easiest way to compare products is to open the insurance company's website all at once from a laptop.

6. Read testimonials about services

In order to avoid the rise of insurance fraud cases, you can take the time to read testimonials about the services that insurance companies provide. Starting from the claim waiting time, partner hospital services, the accuracy of the information from the agent, and the speed of replying if you have questions.

Because, trusted insurance companies always try to provide the best service so that customers don't turn "to another heart".

If the service is not good, you will be affected when you need help or make a claim. Administrative matters that should quickly become long.

7. Understand the insurance mechanism

In fact, there are still many people who refuse to buy health insurance because they do not know the insurance mechanism at all. Even though the way it works is simple, where one insurance policy can be used to cover all family members.

Beware of Non-Sense Insurance Benefits

The benefits of an insurance cannot be separated from the size of the premium. If there is an insurance product that offers many benefits at low premiums, review the company. There is a possibility of fraud, so you can avoid it as soon as possible before it becomes a prey.