How to avoid health insurance fraud?
Safeguarding Against Insurance Fraud.
Health insurance is a true blessing in today’s day and age. However, the growing number of health insurance scams is worrying the insurers as well as the customers. If you are in the process of getting a health insurance policy, make sure you exercise a lot of caution and avoid getting scammed at all costs. It helps to get your health insurance from a reliable insurer like Zurich Kotak General Insurance as professional insurers ensure the chance of fraud is minimised.
How to avoid health insurance fraud?
Below are some of the tips to avoid health insurance fraud:
Tips to avoid health insurance fraud
Try to keep it online
Insurance has largely moved to the online space these days. You get some excellent health insurance plans online at the best rates. It is also very safe to buy health insurance online directly. But when you buy the plan offline, you do so via insurance agents. There may be frauds and scammers posing as insurance agents and you may fall prey to a health insurance fraud when trying to get coverage. Hence, try to get the online plans.
Do not blindly trust an agent
As mentioned above, fraudulent people can pose as insurance agents. To avoid insurance fraud, check the ID card of any agent who tries to sell a health insurance plan to you. Only do business with them after you have verified their identity and true intentions. Also, if you come across a person who insists very strongly that you buy a health plan, even when you don't need it, stay away from him.
Do not deal in cash
No insurance company authorised their agents to collect cash from the customers. The premium is always collected via a cheque or through online payment. If you come across someone who persuades you to pay cash, it may be a part of insurance fraud. Be cautious and stay alert.
Submit KYC documents to valid places
You often need to produce certain KYC documents such as your PAN or Aadhaar Card when buying health insurance. These are crucial documents that you should never hand over to strangers. Only submit copies of these papers to valid places such as directly on the insurer’s portal or office.
Fill out the form yourself
A lot of health insurance scams include filling in wrong or irrelevant information in the application form, which later causes problems for you. Do not rely on an insurance agent to fill out the health insurance proposal form for you. Rather, complete this step on your own as it is important and you provide classified information. You also give sensitive data about your health and past medical records that you may not want anyone else to know. Stay on the safer side and fill out the form yourself.
To sum it up
There is no limit to being careful when you deal with important financial documents and classified personal information. And since you use a lot of this data when applying for a health insurance plan, you have to be very cautious. Keep all the points mentioned above in mind to avoid falling victim to any medical insurance fraud.
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