|  “Well, I Didn’t Actually Read The Policy.”- By Milan Korcok, Health Issues Writer
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- Though denial of travel health insurance claims is rare, among the most frequent complaints heard from aggrieved clients is that they were rushed, the agent got it wrong, they didn’t read the policy, they didn’t know what they were signing. In effect, they deny responsibility for understanding the product they purchased.
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- For example, failing to tell an agent of a previous cardiovascular condition often becomes: “I told her I had an irregular heart beat, but she didn’t mark it down.” Yet the same client will promptly sign off the application as being correct—even without the heart irregularity being noted.
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- And how often will a client simply take the completed application out of the agent’s hands, grab the proffered pen and sign on the dotted line, without reading anything, or without paying any attention to the notice just above the signature line which says: “The completion on my behalf of this form by another party does not relieve me of my responsibility for the accuracy of the information provided.”
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- Making sure that the client does take the extra time to read and understand the application they provide and the policy they purchase is essential to a properly closed sale. Focusing their attention on certain elements of the policy that relate to their responsibilities and getting them to sign off that these elements have been explained to them can save a lot of aggravation and ill-feeling later for the agent as well as the client.
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- Article provided compliments of Trent Health. Author Milan Korcok is a freelance medical writer specializing in travel health issues. May not be reproduced or transmitted without permission.
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