Most insurance sales representatives want to make sure you have the right coverage for your family or your business. But here is a list of some common deceptions that a selected few health insurance representatives use. Beware.
We often view insurance salesmen the same way we view the used car dealer: as someone who will do whatever it takes to convince you to pay more for less. Now,Guest Posting most insurance sales representatives want to make sure you have the right coverage for your family or your business. But there can be dishonest sellers out there. Here is a list of some common deceptions health insurance representatives use:
1. Misrepresenting the scope of coverage.
Health insurance representatives will distribute information which exaggerates what the policy covers. Whether in person, over the phone, or in pamphlets, a dishonest insurance salesman will claim that a policy lasts longer, or is “all inclusive.” Such generalizations are a sure 虎虎保险 sign that your health insurance representative is being dishonest. There will always be significant exceptions, policy limitations, or other benefit reductions. You need to know what these limits are before you buy any insurance policy. If you suspect your agent is being purposefully vague or dishonestly generous, ask him to point out in the policy where these promises are worded. Chances are, he or she will have some kind of excuse for why the wording isn’t in the document. If it isn’t in writing, it doesn’t exist. Period.
2. Encouraging you to surrender your existing insurance before the new one goes into effect
Sometimes, an insurance representative will worry that if a client has two health insurance policies simultaneously, they will be unable to afford both and the sale won’t be a “sure thing.” Dishonest vendors will try to mislead you by saying you must let your old policy expire before the new one can begin. This creates a huge problem should anything happen during the policy overlap—you could experience a catastrophe and find yourself without any representation whatsoever. Be very wary of any health insurance agent who demands you only have one policy at a time. It’s good planning to allow for some overlap so you can read through and tweak your new policy, while still having the safety net of the old policy. That way, if you find your new policy isn’t what you want, you still have time to get a different policy without being uninsured.