The reason life insurance does not pay claims
Feeling cheated by the insurance company because of your claim is denied? This article was created for customers and prospective customers know what can make your claim is denied and the avoidance of losses on the part of customers
Generally, the denial of insurance claims in because
1. Dishonesty customer.
Many people realize the importance of insurance when already in jangkiti serious diseases such as cancer, heart disease, etc.. When customers fill up with honest SPAJ (Application for Life Insurance), a disease that is in misery, is certain to be rejected because the insurance company is not a charity.
If the customer claims due to accidents or other issues outside of his illness is, of course, a lie will not be revealed, but when there is a claim (illness / death) because the disease is, of course lie will be uncovered and the insurance company may refuse payment of claims.
2. Dishonesty agent.
Many agents simply chasing sales targets and commissions, so they are reluctant to describe at length about the products on offer, apart from being able to make the sales cycle becomes longer, too risky to buy off potential customers.
Even in some cases, agentlah that encourages customers to be dishonest. I have experienced myself when getting the prospective customer has a doctor diagnosed a fatal disease. Prospective customers have been rejected by some insurance companies, and only 1 company that received because agentnya advise not to include the diagnosis.
Dishonesty agent can also be in the form of promising something that is not listed in the policy. That's why customers should take the time to read policies and match them with the words of the seller agent. If there is not in the know, try to ask the seller agent. If the negative attitude so that you do not even try to understand the contents of the policy, then you need to question the motivation of these agents.
3. Because the exclusion in the policy
Many agents (which honestly though) negligent in explaining pengecualian2 contained in the policy. Described or not by the agent, read or not by customers, the exception remains valid, meaning that if your claim included in the exceptions, then do not be angry if your claim is denied. For those of you who already have an insurance policy, read and understand the existing pengecualian2 now, so you are not disappointed later.
4. Because insurance companies are not bona fide
Life insurance is a long-term contracts, in many cases, new claims came after many years as a customer. Therefore, choose a company that is trusted, and to facilitate you, every year as investors and InfoBank magazine published the rating of the insurer. Although the rating is not a guarantee, but at least help you to make decisions.
Feeling cheated by the insurance company because of your claim is denied? This article was created for customers and prospective customers know what can make your claim is denied and the avoidance of losses on the part of customers
Generally, the denial of insurance claims in because
1. Dishonesty customer.
Many people realize the importance of insurance when already in jangkiti serious diseases such as cancer, heart disease, etc.. When customers fill up with honest SPAJ (Application for Life Insurance), a disease that is in misery, is certain to be rejected because the insurance company is not a charity.
If the customer claims due to accidents or other issues outside of his illness is, of course, a lie will not be revealed, but when there is a claim (illness / death) because the disease is, of course lie will be uncovered and the insurance company may refuse payment of claims.
2. Dishonesty agent.
Many agents simply chasing sales targets and commissions, so they are reluctant to describe at length about the products on offer, apart from being able to make the sales cycle becomes longer, too risky to buy off potential customers.
Even in some cases, agentlah that encourages customers to be dishonest. I have experienced myself when getting the prospective customer has a doctor diagnosed a fatal disease. Prospective customers have been rejected by some insurance companies, and only 1 company that received because agentnya advise not to include the diagnosis.
Dishonesty agent can also be in the form of promising something that is not listed in the policy. That's why customers should take the time to read policies and match them with the words of the seller agent. If there is not in the know, try to ask the seller agent. If the negative attitude so that you do not even try to understand the contents of the policy, then you need to question the motivation of these agents.
3. Because the exclusion in the policy
Many agents (which honestly though) negligent in explaining pengecualian2 contained in the policy. Described or not by the agent, read or not by customers, the exception remains valid, meaning that if your claim included in the exceptions, then do not be angry if your claim is denied. For those of you who already have an insurance policy, read and understand the existing pengecualian2 now, so you are not disappointed later.
4. Because insurance companies are not bona fide
Life insurance is a long-term contracts, in many cases, new claims came after many years as a customer. Therefore, choose a company that is trusted, and to facilitate you, every year as investors and InfoBank magazine published the rating of the insurer. Although the rating is not a guarantee, but at least help you to make decisions.
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