How to choose your insurance agent for health insurance?

 

A health insurance policy in present times has become a necessity. It saves you during medical emergencies when hospital medical bills can become very stressful.

 

The goal is to get an insurance policy is that the best of the lot. But, how to pick the right insurance agent for health insurance! This is how to go about the process.

1. You need to understand that in India, the insurance agent is well regarded and respected by the insured. If the person is happy and impressed with the services, there are chances that he will refer the agent to his relatives and friends. Since the relationship becomes emotional at a certain level and is filled with trustworthiness, you must put your trust in the right agent.
2. So, pay attention to a few basic facts when choosing your insurance agent; be it for health insurance, or the best life insurance policy. 
3. First and foremost, please check the types of insurance products that the agent sells. If you are focused on buying health insurance, choose someone because of his specialized knowledge in the subject matter. Do not choose him just because he has been recommended by your relative! Scrutinize his reputation and knowledge base very carefully before trusting him. 
4. It is important to check if the agent will be associated with you only till the point you buy the policy or is there any after-sale service that the agent offers. Remember that the insurance agent earns his money based on the policies that he sells. So, find out if he is interested in you only till you make a purchase, or does he believe in a long-term relationship.
5. Understand if he can offer references to his previous customers for buying a home insurance policy in India – two or three. When you speak to customers who he has dealt with in the past, you get a clearer idea of the agent’s service standards.