A health insurance agent plays a very crucial role when you buy any health insurance policy. An agent is a person who tells you about the products, processes, and other things related to policy and the company. If you have a good health insurance agent, it is good.
With the help of a good health insurance agent, you can purchase a health insurance policy smoothly. He/she may also be helpful while processing claims, endorsements, etc.
But if your agent is not good enough and not honest with you then you may face some challenges. There are some important qualities that a good health insurance agent carries. In my opinion, your agent should have at least the following qualities.
Qualities of a Good Health Insurance Agent
A person can have many qualities. However, I am explaining some of the important qualities of a good health insurance agent below. So let’s understand them.
First and most important, a health insurance agent should be honest with you. Your agent should not mislead or misguide you while selling health insurance. He/She should explain everything with honesty so that you do not face any problems later.
2- Product Knowledge
Your health insurance agent should have sound product knowledge. If the agent is well equipped with product knowledge then only the person can explain the policy. If the agent doesn’t have knowledge of the product then how can you expect that he/she will tell you the complete information about the policy?
3- Customer Centric Approach
Your health insurance agent should consider your need first. First, he/she should understand your need and expectation from the policy. He should sell you the policy as per your need rather than his/her choice. An agent should analyze your need, want, and expectation, and should suggest a good insurance policy within the budget.
4- Product Explanation and Presentation
Your agent should explain the product features and benefits properly. So that you can understand policy benefits and you can take the decision properly. Incomplete knowledge is risky. So if a health insurance agent is able to explain properly, it is good for the customer.
5- Ethical Practice
A health insurance agent should explain the policy terms and conditions in detail. If it is explained well then you may not face the problem later. You will be aware that what is covered and what is not covered in the policy. And you will also be aware of its claim conditions and process etc.
Health insurance agents should not hide anything. Hiding things may be very risky and will be disappointing for you. For example, Suppose your agent hides the details of the waiting period in the policy. The agent explained to you that there is no waiting period for the pre-existing disease.
After two months you came to know that there is a waiting period of four years for pre-existing diseases in your policy. It would be very disappointing for you.
That’s why agents should not hide anything regarding policy. Your agent should explain important points without fail.
6- Clear all Your Doubts and Confusion
Your health insurance agent should clear all your doubts and confusions while selling the policy. If you have any doubts or confusion at the time of buying a health insurance policy then you must ask it. If your agent doesn’t know the answers at the moment then he/she should ask his senior and should let you know.
Your agents should be supportive in nature. You may need some support at the time of claim and other endorsement-related services. He/she should be ready to support you at this moment in time. It is the time when your agent can give you the best service and have a long-term relationship.
8- Good Listener
Health insurance agents should be good listeners also. If an agent is a good listener then will listen to you and will understand your need and expectation.
Selections of good health insurance policies are important but it is also important that your agent is good. Simultaneously you should be very cautious while purchasing the policy. You must read product brochures, their features, and their benefits.
Conclusion – Qualities of a Good Health Insurance Agent
IRDA has certain guidelines for insurance agents and companies. And IRDA always tries to improve the business environment of the insurance industry. Having a good health insurance agent is really very important.
If you are buying a health insurance policy, you can buy it online also. But if you are taking it through an insurance agent, ensure that he is good and you are purchasing a good policy.