Agents for health insurance
An agent is a person who helps you by getting you a health insurance policy through a company which he represents. As he represents a particular company, he is in the complete know-how of all the details pertaining to that company including available benefits, packages offered, the way things are processed there, the deadlines that need to be adhered to, the way claims are to be handled etc. He gives you that personalized touch, by volunteering to come over to your house for collecting documents and payments, for taking your signatures and for other important things.
Also, while buying a health insurance policy from your agent, it is important that you take a look at the policy wordings which contain the details of the policy. This will make the exclusions clear to you. (Exclusions are the finer details including pre-existing diseases, waiting period etc)
As is sometimes observed, especially in India, some agents are mostly seen to specialize in life insurance, and just ‘happen’ to sell health insurance. They do not specialize in health insurance per say, hence the level of knowledge in the subject may be low.
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