Steps for choosing a good life insurance plan
For experts, the price of hiring private healthcare services become very high risk of not hiring a plane. See below what points should be observed carefully so that health insurance does not compromise your monthly income or you fail to deliver when the time comes to make use of services:
1 – Choose collective plans
Many companies offer their employees life insurance “packages”, which can be a good alternative to save rather than risk paying more to hire an individual insurance, you have to consider the fact that group plans, business, are cheaper than the individual.
The collective is always cheaper than the individual. If a collective enterprise, it is likely that the cost is even lower, This is because the individual insurance have a more specialized setting, whereas in the case of collective life insurance business, who determines which model is the product of the company.
Even if we compare two identical products, one of the other collective and individual character, is very likely that, even so, the collective is more economical for the consumer. For those working in companies that do not offer this benefit to employees, a possible solution is to look as professional associations and unions to verify the existence of collective plans.
2 – Check the quality of the network
“What is the distribution network? What is the size of the network covered by insurance? “. These are two questions that must be made by the insured before hiring plan.
3 – Evaluate the bureaucracy (paperwork) needed before and “after”.
Another extremely important point is the level of bureaucracy that the plan requires time to make use of their services. “It is essential to note that the facilities and difficulties that insurance offers,”.
It is common for a plan that requires the insured prior authorization number so that they perform certain procedures. The trick is that consumers pay attention to this point and know exactly what type of authorization shall request, in which times and if the process is simple and effective and time-consuming and exhausting. Getting appointments and exams.
You have to understand that your profile you create the “rules”, some Life Insurances are extremely cheap, it’s pretty obvious, if you are young, healthy and do not have a very dangerous job, you are most likely to pay a very low monthly or yearly fee. For elders it goes all the way down, sometimes they even ask for dozens of exams before even thinking about insuring you. You may also remember that you’ll receive premiums, as the time goes on the insurance price usually goes down and that can be a very nice way to keep you in there with them. A lot of companies offer Life Insurance for their employees, because it makes them feel “double-safe”. It’s a good thing that the company offers and the employee will indeed feel safer, and it’s also a plus for the family.
No matter what you do always remember that your “Profile” will shape the kind of insurance and of course the price will be based upon that. But relax, there’s all types of companies who are specialized with all kinds of “clients”. It is not something hard, but It’s something you’ll have to think about and do your homework.