Insurance Application Tips Things you can do to get the bestpremiums possible when you apply for health insurance.
INSURANCEAPPLICATIONTIP SHOP WISELY The biggest mistake people make is to buy a policy based solely on price. Make certain the insurance policy you purchase will meet your unique needs. If it does not, add supplements or look for a policy that does.
INSURANCEAPPLICATIONTIP BE THOUROUGH MANY PEOPLE STOP WITH MAJOR MEDICAL INSURANCE. IT IS THE MOST COMPREHENSIVE TYPE OF HEALTH INSURANCE BUT IT DOES NOT COVER EVERYTHING. YOU MAY NEED SOME SUPPLEMENTAL INSURANCE OR OTHER TYPES OF HEALTH INSURANCE TO COMPLETE YOUR PORTFOLIO.
INSURANCEAPPLICATIONTIP APPLY ON-LINE If you are healthy and comfortable with the computer, most insurance companies will allow you to complete your application on-line for the Major Medical portion of your portfolio. If, however, you feel you have a pre-existing condition, are not comfortable on the computer or want supplements like Critical Illness, Disability Income or Long Term Care insurance, you should contact an insurance agent whom you trust.
INSURANCEAPPLICATIONTIP AVOID SELF-DIAGNOSIS If you do not have an official diagnosis from your doctor, under no circumstances should you ever diagnose yourself. It is better to say “My knee hurts when it rains” than to say “I have arthritis in my knee” without a doctor’s diagnosis.
Insurance ApplicationTip PROMPTLY RESPOND TO ANY MAIL COMMUNICATIONS YOU GET
INSURANCEAPPLICATIONTIP(TELEPHONE INTERVIEW) USE SMALL WORDS YOU ARE PROBABLY INTELLIGENT BUT UNLESS YOU HAVE MEDICAL TRAINING, YOU DO NOT USE THE SAME JARGON THEY DO. YOU WANT TO BE HONEST AND POLITE BUT REFER ALL DISCUSSIONS ABOUT YOUR HEALTH TO YOUR DOCTOR. HE SPEAKS LANGUAGE THEY UNDERSTAND. IF YOU ACCIDENTALLY USE A MEDICAL TERM INCORRECTLY, THE INSURANCE COMPANY MUST ASSUME THE WORST AND EITHER CHARGE YOU A HIGHER PREMIUM OR DECLINE YOUR APPLICATION.
INSURANCEAPPLICATIONTIP(TELEPHONE INTERVIEW) BE PREPARED WRITE DOWN YOUR DOCTOR’S CONTACT INFORMATION AND PRESCRIPTION MEDICATION DETAILS ASAP AFTER SUBMITTING YOURAPPLICATION AND PUT THEM NEXT TO THE PHONE YOU WILL USE IF THE INSURANCE COMPANY CALLS
INSURANCEAPPLICATIONTIP(TELEPHONE INTERVIEW) GET OFF THE PHONE FAST IF THE INSURANCE COMPANY CALLS, BE POLITE BUT IN A HURRY TO GET OFF THEPHONE. GIVE THEM THE CONTACT INFORMATION FOR YOUR DOCTOR. HE CAN BEMUCH MORE DETAILED ABOUT YOUR HEALTH CARE TREATMENT THAN YOU. DON’T ACCIDENTALLY USE A MEDICAL TERM INCORRECTLY.