Buying insurance can sometimes be daunting, but being caught unaware by an unexpected illness or ailment can be even more daunting. That is because the impact it might have on your financial security and the well-being of you and your loved ones is significant. While getting insurance is essential, getting the right insurance policy for your needs is even more critical.
This is where an agent can help you choose the right plan for your needs. In this article, you will find what an agent does, how working with an agent is beneficial, and how to hire a Health Insurance Agent.
What does a Health Insurance Agent do?
A health insurance agent is specialised in health or medical insurance. They represent insurance companies to aid potential customers in buying insurance policies. Although with all things turning digital, anyone can purchase insurance at any time, and agents are still a core aspect of insurance sales for both the insurance provider and the customers.
This is because an agent can guide you and explain everything you need to know about a policy while recommending a plan after understanding and analysing your pain point.
This is why, typically, most people who don’t know much about insurance, the jargon, and the nitty-gritty approach an agent instead of purchasing it online.
This can help you purchase a policy without worries and make the best use of the policy by being fully protected.
There are usually two kinds of agents. The first is an independent agent who can be affiliated with any insurance provider. The second is an exclusive agent who represents only a single insurance provider.
What are the benefits of working with an agent?
There are several benefits to working with an insurance agent. These benefits are both tangible and intangible. Let us understand the benefits of working with an agent and how to use it best.
Personalised recommendation
An agent in insurance provides personalised recommendations for plans based on your needs and requirements.
In-depth explanation
An agent is expected to have in-depth knowledge of the policies they are dealing with and can offer specific guidance in terms of accurate and detailed explanations.
Quick purchase
An agent can help you quickly purchase a plan offering immediate protection.
Discounts
An agent can also provide exclusive discounts for purchasing a policy from them.
Customised plans
An agent can access exclusive plans that are not otherwise available and offer customised plans based on your requirements.
Post-sales customer support
An agent can act as customer support to help you understand and deal with the insurance.
Financial Advice
An agent also offers financial advice to budget and plan for the policy by understanding your finances.
How do you approach an agent in insurance?
Now that it is clear why someone should work with an agent, here is how to buy insurance for yourself and your loved ones. There are two ways of approaching an agent. The first is if you know what insurance provider you would like to purchase the insurance from.
Do your research and find out which insurance provider you would like to purchase insurance from, whether it is from a previous policy you have held or from a recommendation. I exclusively get health insurance from Niva Bupa, a leading insurance provider in India for my and my family’s insurance. They offer some of the most comprehensive plans for affordable rates with high claim settlement ratios.
The next step is to visit their website and use the ‘contact us’ phone number or request a call-back option.
You will then be able to speak directly with the insurance POS agents.
The second way is to look online and check for a respectable and credible insurance POS agent, see who is a prominent agent in your area, and get their help purchasing the insurance policy.
The first method is preferable as it holds an organisation’s credibility. At the same time, the second one can help find independent agents who offer more options for you to choose from but might also need to be thought about twice.
Conclusion
With this, you should be clear about the benefits of working with a Health Insurance Agent and how to approach them to purchase insurance. Using these tips, you can rest assured that the daunting task of getting insurance can be minimised, and you can enjoy your life worry-free without worrying about the well-being of your loved ones or your pockets.
