9. Steps to follow for getting lifeInsurance
• Seeif you canfind theactual life insurance policy
• Callthe life insurance agent or lifeinsurance
company on the life insurancepolicy.
• Next fill out the life insurance claim forms
• Sendin the life insurancepaperwork
What to look for in a LifeInsurance policy
• Policy Benefits
• pricing and premiums
• additional Services
• Customer Support
11. • Get admitted in any one of networkedhospitals
• Faxthe pre-authorisation form along with
relevance
• Obtain itemized receipts andbills
• Get your claim form
• Make copies
• Review then send
13. • Risk Cover
• Protection against rising healthexpenses
• Daily hospital cashallowance
• Peace of Mind
• T
axBenefits
• Coverage of expenses related to organdonors
• Convalescence Benefits
15. • Restricted hospital
• Health does not cover pre-existingdiseases
• Expensesof defect related AIDSis not covered
Eg:-Contact lenses, HearingAIDS,general
ability & intoxicatingDrugs
• Most company do not haveseparatehealth
insurance cover for achild
• Older the agehigher the cost ofpremium
19. • Understand that you canencounter insurance agents everywhere,
on shopping malls, the Internet, even just outside yourhouse. They
cancall you out of the blue and askif you want to purchase life
insurance.Not all of these people are out to scam you.
• Don’t just accept the agent’s company ID, Verify itwith the
InsuranceCommission.
• Understand that agents who are into health insurancescamsare
usually in ahurry to get you to fork over money to them
• Donot give any sensitive personal information suchasyour Social
Security number, bank account, or even hand out your creditcard.
• Understand that Someinsurance agents who make up life insurance
scamsusefake promos and rewards to lure customers to purchase
an insurance policy.
• Bealert and careful when dealing with offers orpromos.
• Before signing apolicy, make sure that you agree with the termsof
the policy.
• Donot pay your premiums through your insurance agent. Askfor
payment options where you are paying directly to thecompany.