Insurance customers who do not carefully read the contents of the policy will more often feel cheated by the insurance company. Feeling cheated appear for what is expected is not in accordance with the insurance policy purchased.
For example, customer feels can claim at any time. Though the content of the policy includes a series of rules and procedures for the withdrawal of the claim. Before purchasing a product, we should understand what we buy. So also with insurance. Do not be easily tempted seduction insurance agent. We have to critically understand the policy contents first.
Insurance customers should ask about the insurance policy to an insurance agent or marketer. Customers should also be prepared to read the policy carefully and thoroughly. This is not an easy job considering the language contained in the insurance policy is a complex legal language. In addition to a complicated language, laziness to read the policy usually also arise because the letters are small and long sentences.
Customers have the right to request a policy dummy or a copy of the insurance policy. Well, the coffee policy given to these customers typically contain points of the rules and the agreement between the responsibilities, alias customers, with the parties to bear, or insurance companies. This copy is usually a standard form policy of each insurance company.
Well, after the policy was in his hand, the customer must pay attention to rule-by-rule. Do not hesitate, ask for an explanation from the insurer on each of these points. When you feel the need, customers can contact an insurance broker. The role of insurance brokers is to bridge the interests of the insurance company with the customer.
Insurance brokers typically involved in insurance value and insurance premiums of up to billions of rupiah. Most importantly, the insurance is selected according to the needs and abilities. So do not let you buy insurance products because of went along with it.
In scrutinizing the policy, some points the following rules shall be read deeper.1. RISK GUARANTEED
It must be understood in detail what are the risks covered by the insurance. For example, on health insurance, any disease that could be covered by insurance and hospital anywhere that serves.
2. EXCLUDED RISKS
Having understood what the risks are covered, it is also necessary to understand in detail about the risks excluded, alias risks that are not covered by insurance. Obligatory for customers to ask details about all kinds of diseases that are not covered if you take health insurance.
3. CLAIMS PROCEDURE
On the point about the claims procedure, ask your insurance agent to explain the procedures. Do not forget to ask deadlines, how much the number of claims that can be taken at the boundaries of time and whether any fines or not. Then, do not forget documentation alias files whatever is needed to make a claim.
There are several insurance companies that can process a claim if the file has been received via the postal service, or online, or come directly to the insurance company.
4. CONDITIONS OF HARM CUSTOMERS
Often, this point is forgotten or ignored by the customer. For example in fire insurance, there are rules in the policy that says that when there is a fire, the object or property was stolen is not included in the risk that could be claimed.
The purpose of this point is the insurance company will not cover objects if saved in the fire, and then stolen. Thus, the customer should not have to carry his belongings except save lives and securities in case of fire.
Some of the points that is important to observe the policyholder.1. NAME BE ASSURED THAT THE LIABILITY INSURANCE POLICY THAT
Therefore, customers often also underwrite insurance for the children, wives, parents, employees or others. Thus, it is not necessarily the party who pays the premium dependents. Keep in mind it is unclear who will be borne by the insurance.
2. BENEFICIARIES OF INSURANCE
Usually, insurance beneficiaries are the name listed as the insured policyholder. However, there are some insurers that allow the recipient of the insurance benefits the insured and others.
3. WHEN SUCH TERM INSURANCE POLICY
Not only the term that should be observed, the policyholder must also look at the expiration of the insurance policy. Please note the date, month and year of entry into force of the insurance agreement.
4. AMOUNT OF LIABILITY
Details liability money is also included how much the amount, how much premium to reach money responsibilities, and whatever be the object.
INSURANCE ONLINEBasically, the insurance policy has the same standard. However, for insurance-based online, prospective customers should more actively examine the policy. It's known, in insurance online, no agents who met privately with prospective customers. Even so, it is not forbidden for prospective customers to meet directly with the agent or the party of the online insurance.
Prospective customers can read a transparent and open manner in the website. If prospective customers need more detail, it can be through the facilities of chatting with agents who are ready to serve during working hours.
Indeed the difference between online and offline insurance only on the matter of purchasing a premium. Thus, the points that must be observed in the insurance policy online is the same with insurance policies offline. However, do not forget to customers, to ask for proof, after depositing premiums.
For claims procedure, usually, an insurance company online principled ease. That is, everything can be done online. That is, all files and documentation required in the claim process can be sent to the insurance company through the online system.