How to order Claims Approved Insurance Company?

If in the previous article I discussed some of the factors that could lead to an insurance claim denied by the insurance company (read: Why Insurance Claims Unpaid?), Then I am following article is about how to make an insurance claim we can be accepted by the insurance company. Let us consider the following review ..

1. Always pay premiums on time

Try to always pay insurance premiums on time. Even if late pay, keep no more than 30 days after the due date. Because by paying premiums on time, it will make your policy is always active. It would be better if the premium you paid auto-debit from your bank account each month. This can help you avoid forgetting to pay a premium.

2. Never dilute form of cash grants

I always suggest to my clients or prospective clients to never withdraw funds in cash which are formed from their insurance, except in very urgent circumstances once. Because the actual function of the cash is 'help' you pay premiums when the insurance cost is greater than the premium paid. Besides the function of the form of cash is to pay your premium when you're off the premium. If you withdraw funds in cash that is formed, then over time your policy will lapse because of the cash that is not able to 'help' you in paying your insurance costs.

3. Learn and understand the contents of the insurance policy

You as the policyholder it is advisable to learn and understand as well as possible the contents of your insurance policy. Learn every existing provisions ranging from criteria circumstances covered by insurance companies, Article exception governing any circumstances or situations such as what is excluded by the insurance company, the terms or documents completeness in the context of insurance claims, up to the waiting period existing and limit the maximum time a claim is received by the insurance company. Ask your insurance agent if there are articles that you do not understand.

4. To be honest when the contents of the form for insurance

I strongly recommend that you have answered all questions related to your health history truthfully. Due to answer all questions honestly, then the insurance companies have known you since the beginning. And usually if for example a person has a history of a disease, it is possible that the premium that must be paid is more expensive compared to those of healthy. Or even there are also cases where the insurance company receives the insurance application for someone but there are some points in the insurance policy that is not covered by insurance companies.

5. Tell the family

Once you open an insurance policy, I suggest to you is not secret to your immediate family (spouse, biological children, siblings, your parents). Why? Because someday they will help you to remind protection you have, help contacting your insurance agent, and helps prepare / care of companion document for filing a claim.

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