Feel cheated by the insurance company because your claim is rejected ? This article was created for customers and potential customers know what you can make your claim on the decline and prevent harm to customers
General denial of insurance claim payments in because
1 . Dishonesty customers .
Many people have realized the importance of insurance when already in jangkiti serious diseases such as cancer , heart disease , etc. . If the customer fills honestly SPAJ ( Application for Life Insurance ) is a disease in misery , it is definitely going to be rejected because the insurance company is not a charity .
If the customer claims due to accidents or other issues outside of the illness , the lie of course will not be revealed , but in the event of a claim ( illness / death ) because of the disease , of course, a lie will be uncovered and the insurance company the right to refuse payment of the claim .
2 . Dishonesty agent .
Many agents only pursue sales targets and commission , so they are reluctant to explain at length about the products on offer , apart from being able to make the sales cycle is longer , too risky to buy off potential customers .
Even in some cases , agentlah which encourages customers to be dishonest . I have experienced myself when get a prospective customer has a doctor diagnosed a deadly disease . Prospective customers that have been rejected by some insurance companies , and only one 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 must be willing to take the time to read the policy and match it with the words of the seller agent . If there is not understand , try to ask the seller's agent . If the negative attitude that you do not even try to understand the contents of the policy , then you need to question the motivation of the agent .
3 . Because exceptions in the policy
Many agents ( which to be honest though ) remiss in explaining pengecualian2 existing in the policy . Described by the agent or not , or is not readable by the customer , the exception still applies , meaning that if your claim into the exception , then do not get mad if your claim is rejected . For those of you who already have insurance policies , read and understand the existing pengecualian2 now , so you are not disappointed later .
4 . Because the insurance company is not bonafide
Life insurance is a long-term contract , in many cases , new claims occurred after so many years as a customer . Therefore, choose a company that is reliable, and for your convenience , each year as investors and Infobank magazine published ratings of insurance companies . Although ratings are not a guarantee , but at least help you to make a decision .