際際滷

際際滷Share a Scribd company logo

Insurance Application Tips

Download as PPTX, PDF
Tim Barnes Clu
Tim Barnes Clu

The document provides tips for applying for health insurance to get the best premium rates. It advises to shop wisely and choose a policy that fully meets your needs, as major medical insurance alone may not cover everything. It also recommends applying online if healthy, but seeking an agent's help if you have pre-existing conditions or want supplemental policies. Additionally, it warns against self-diagnosis without a doctor's opinion and being prompt responding to insurance company communications.

1 of 9
Download to read offline
Insurance Application Tips Things you can do to get the best premiums possible when you apply for health insurance.
INSURANCE APPLICATION TIP 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.
INSURANCE APPLICATION TIP 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.
INSURANCE APPLICATION TIP 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.
INSURANCE APPLICATION TIP 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 doctors diagnosis.
Insurance Application Tip PROMPTLY RESPOND TO ANY MAIL COMMUNICATIONS YOU GET
INSURANCE APPLICATION TIP (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.
INSURANCE APPLICATION TIP (TELEPHONE INTERVIEW) BE PREPARED WRITE DOWN YOUR DOCTORS CONTACT INFORMATION AND PRESCRIPTION MEDICATION DETAILS ASAP AFTER SUBMITTING YOUR APPLICATION AND PUT THEM NEXT TO THE PHONE YOU WILL USE IF THE INSURANCE COMPANY CALLS
INSURANCE APPLICATION TIP (TELEPHONE INTERVIEW) GET OFF THE PHONE FAST IF THE INSURANCE COMPANY CALLS, BE POLITE BUT IN A HURRY TO GET OFF THE PHONE. GIVE THEM THE CONTACT INFORMATION FOR YOUR DOCTOR. HE CAN BE MUCH MORE DETAILED ABOUT YOUR HEALTH CARE TREATMENT THAN YOU. DONT ACCIDENTALLY USE A MEDICAL TERM INCORRECTLY.

More Related Content

Insurance Application Tips

  • 1. Insurance Application Tips Things you can do to get the best premiums possible when you apply for health insurance.
  • 2. INSURANCE APPLICATION TIP 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.
  • 3. INSURANCE APPLICATION TIP 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.
  • 4. INSURANCE APPLICATION TIP 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.
  • 5. INSURANCE APPLICATION TIP 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 doctors diagnosis.
  • 6. Insurance Application Tip PROMPTLY RESPOND TO ANY MAIL COMMUNICATIONS YOU GET
  • 7. INSURANCE APPLICATION TIP (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.
  • 8. INSURANCE APPLICATION TIP (TELEPHONE INTERVIEW) BE PREPARED WRITE DOWN YOUR DOCTORS CONTACT INFORMATION AND PRESCRIPTION MEDICATION DETAILS ASAP AFTER SUBMITTING YOUR APPLICATION AND PUT THEM NEXT TO THE PHONE YOU WILL USE IF THE INSURANCE COMPANY CALLS
  • 9. INSURANCE APPLICATION TIP (TELEPHONE INTERVIEW) GET OFF THE PHONE FAST IF THE INSURANCE COMPANY CALLS, BE POLITE BUT IN A HURRY TO GET OFF THE PHONE. GIVE THEM THE CONTACT INFORMATION FOR YOUR DOCTOR. HE CAN BE MUCH MORE DETAILED ABOUT YOUR HEALTH CARE TREATMENT THAN YOU. DONT ACCIDENTALLY USE A MEDICAL TERM INCORRECTLY.