Update.
- I email my insurance broker.
- They write an email to the insurance co. official asking for a "payment link."
- Insurance co. official gives a classic response "The below-mentioned policy does not pertain to our office."
I usually don't like to take up a case against a brand. But I am doing it this time - coz, if it can happen with me, I am just imagining people who don't have a clue about insurance.
I mean Insurance brand.
I decide - I will file a grievance.
I call on the number on the grievance page - It says, "The dialed number does not exist. Please check the number you are dialing." 😂😂😅
It shouldn't take me a minute to call up some friends in the industry to solve this - but this is more fun. Let's understand what a regular customer goes through.
Hello @UnitedIndiaInsu - My policy is due for renewal, but your website has blocked renewals.
When I call the phone number 022-22045059 on your website - I am getting a message that "the number does not exist".
How can I pay you and renew my policy?
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Agent vs Online - whom do you buy health insurance from?
A debate more complex than Android vs iPhone
I found a reasonable answer to this question through countless interactions with customers over 15+ years of working in insurance distribution.
Here's what I realized.
Online platforms are great for transactional products.
Products where the cognitive load to make decisions is low - where stakes are low, where decisions are reversible.
Simple UX and an efficient call centre do the trick.
But this same thing is not true for complex insurance products like health insurance.
These products have serious nuances that cannot be understood easily.
Personalization, right declarations when buying the policy
Paperwork, follow-up, and dispute management when making claims
4 myths regarding parents' health insurance through an employer you must know.
On the face of it, employer parent's health insurance looks like a no-brainer
✅ No medical tests
✅ No waiting periods
✅ Cover all diseases
✅ Faster claims
To problem kya hain? Read on 😅
𝗠𝘆𝘁𝗵 𝟭: I will remain employed for a good time. So I will always have parents cover
Not really
Note, parents' coverage with those lovely benefits causes major losses to insurers The policy is hence prone to:
a) price hikes
b) reductions in benefits
I have witnessed companies that start with fancy benefits for parents, free.
Then renewal comes
When they realize there is a huge premium hike, the CFO walks in, and rest is history
Just check the pricing history of parents insurance in your company for last 5 years.