Already have insurance? For those who haven't, maybe you want to get insurance right away, but haven't found the right product yet. Because before buying, we must know the product well so as not to choose the wrong one.
No wonder insurance agents have an important role as a bridge between the community and insurance. If one day we meet with agents and are offered insurance products, here are some things to pay attention to.
Here are things to consider when meeting an insurance agent:
1. Understand the Purpose of Insurance Registration
Insurance is a product to minimize risk, not an investment even though there are benefits of investing in it. Because insurance cannot increase the number of assets we have but saves them from expenses due to illness, accidents, or when they die.
Understand our purpose in insurance. If the goal is to ease the financial burden when you fall ill, health insurance is the right product. Meanwhile, if we are breadwinners for the family, then life insurance is the right one.
Convey these goals to the agent, so he can calculate the cost or insurance premiums every month. Of course in accordance with the benefits we want.
2. Open about Financial Condition
How about financial condition? It is also important to discuss this with the insurance agent in order to facilitate the selection of the right products and benefits. Because to get optimal benefits, the premium paid is higher.
For example, we want the benefits of treatment to reach the whole world, so the premium can be many times the benefit if the treatment is only in Indonesia.
Ask the agent to make an insurance simulation based on the amount of premiums that can be paid, the criteria for inpatient rooms, and the area of the treatment area. From here we can find out whether our wishes can be realized or not. If not, then the premium must be increased again.
3. Tell Who Signed Up for Insurance
Insurance is intended for people of all ages. Tell who will apply for insurance when we meet with the agent. Whether it's us, parents, siblings, or partners.
The goal is to estimate insurance premiums. Because, the size of the premium is very dependent on the age of the prospective policy. Between a 30-year-old spouse and a 50-year-old parent, the parent's premium is definitely higher.
Why is that? Therefore, the risk of disease in the elderly is greater than the younger ones.
4. Honest about Health Conditions
In the insurance registration process, there is an underwriting process. This means the process of assessing the level of risk that may occur in the policy in the future. Is the level of risk classified as high, medium, or low.
The way to find out is to tell the actual health condition. So, we need to be honest about the type of illness that has been suffered. If you are not honest, I fear that this will hinder the claim process in the future.
If one day we make a claim for one of the critical illnesses that were not mentioned during registration and the insurance manages to track that we have suffered from the disease, then the claim may be rejected.
5. Ask if you don't understand
Ordinary people like us certainly do not understand about insurance, let alone the terms that are in it. This is the reason why asking questions is important when there are things that are not understood. As long as there are insurance agents who are also ready to explain, so don't waste this moment.
The questions asked help us become more familiar with the product we want to buy. Thus, misunderstandings about benefits as often occur in insurance can be minimized.
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