What Is More Important – Price Or Quality When Selecting Insurance Company?

Price and service quality – are two the most important criteria of voluntary medical insurance, which customers always pay attention to. At the moment of the concluding the contract, most often, the price is crucial, and only then the service takes the first place. The first question that I would like to clarify: Is it […]

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Price and service quality – are two the most important criteria of voluntary medical insurance, which customers always pay attention to. At the moment of the concluding the contract, most often, the price is crucial, and only then the service takes the first place.

The first question that I would like to clarify: Is it necessary to engage a broker, and in what cases it is worth doing?

I cannot say that the participation of a broker is always necessary. Moreover, there are cases where the broker is “an unnecessary link”.

To understand whether the company needs the services of a broker, it is sufficient to answer two questions:

Does the company have in its structure the employee for whom insurance is one of the main areas of responsibility?

Does this employee have the necessary competence in working with insurers, both in terms of harmonizing conditions of insurance and in terms of the settlement of insurance claims?

As practice shows, HR-manager or financial director is engaged in the insurance work. Taking into consideration that these people have many tasks in addition to insurance – not always insurance and especially the settlement of disputed cases is the priority for them. These professionals cannot afford to pursue a stable monitoring of the market and be aware of all of its recent trends.

How to choose an appropriate insurance company among the variety of existing proposals?

You can often hear the phrase in a lot of companies: “There are no companies, there are people”. Nobody argues that it is necessary to take into account the financial performance, brand power and other “solid performance” of the company, but people play the main role because they give the definitive quotes and it depends on them, how quickly the insured person will receive the necessary assistance.

So, the main rule – is the availability of personal contacts and relationships in the insurance company and confidence in it, if you choose to work with the insurer directly. The same thing is in the case with a broker – you have to trust him and realize that he cares about you genuinely.

In today’s world it is very important to find a good and well-balanced life and health insurance and the online network can help find one. Those who live in Alberta can look for health insurance alberta and alberta health insurance in the Internet. Others can do the same replacing Alberta with their region. Many people also are dealing with risky situations at their work and life itself is unpredictable, so life insurance would be smart decision. So use an inquiry like disability insurance alberta and take the proper one.

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