Drama already has health insurance, but still has to pay back.

Drama has health insurance, but still has to pay for it.

Why does health insurance have to "reserve pay"? And how to make it less likely? ❔

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The "insurance must pay" drama case is seen throughout.

Many people feel that it is very easy to apply, almost no paperwork is required, transfer money is protected.

But when it's time to claim the truth, it's harder than I thought, get paid back, have to search history, use a lot of documents, 📑

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Because the truth is, not all cases can be claimed immediately without backup.

And what the agent says at the sale and what actually happens may not always be the same.

Especially the word no reserve, of course. All claims are unconditional. 🥶

For me, I choose to make "difficult from application day."

Check out all hospital customer records and hand them to the company from the beginning.

To keep the day practical, customers have minimal problems... a little slow, but sure. 👍🏻

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But even if we file our records, the company still has the right to investigate.

However, the likelihood that customers will be spared will be reduced, and if they are spared, the agent will have the power to negotiate with the insurer to help customers not have to spare more...But that's it. There's still a chance of backup. 🥹

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If it is a very large case, such as a pre-planned surgery or a treatment for a serious disease,

I will do Pre-Authorization every time to make sure that the limit is approved.

And then plan to continue treatment. This will ensure that the customer does not have to spare money. ❤️

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Another trick that many people don't know.

If you need to make a reservation, try using a credit card to pay for the treatment.

Then take various receipts to file claims later

Making patternsกรุงเทพมหานครYou will receive either points or a free refund.

As you know, the cost of treatment is very expensive, so it's definitely a credit card or a cash back credit. 💳

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Finally, the main thing from the drama of being spared

I see it as "communication" and "Service Mind."

If the agent is constantly communicating with the client, fully supporting and facilitating the client.

Although it may end up being backed up anyway, I believe the lovely customer will understand and see our fullness. That anger will be sparse. 😊

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# AIA Life Insurance Advisory Auto # Health insurance # Drama # Reserve pay # Medical expenses