Buying any financial product is not easy. Let us look at a product like life or even general insurance. Fact is, you are buying a ‘security’ – you want to be reasonably sure you are dealing with a good company, right.
What do people look for:
1. Can I buy it online: Ease of buying.
2. Is it cheap? : Price
3. Is the documentation simple? – ease of operation
However when you are buying insurance what you should be looking for is:
Will this company pay the claim at all?
Will this company make it easy to claim the amount, and in case of medical insurance is there a cash less option available?
Will I have the patience to deal with the company in case of a claim?
Of course there are some people who :
Do not care about web based execution, they are not comfortable dealing on the net. Yes they are a small minority, but yes sure they exist even in big cities like Mumbai, Delhi and Bengaluru….
These people look for an agent – who (they hope) will help them with their claim….we will look at that in another post…
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