How to reduce the risk of insurance claim denials?

[global expat]

Other than using a reputable broker, what other strategies can individuals use to minimize the risk of claim denials and ensure their insurance will pay out when needed? I'm worried my current and future insurance providers might not come through in a critical situation.

[Hummin]

20 minutes ago, global expat said:

Other than using a reputable broker, what other strategies can individuals use to minimize the risk of claim denials and ensure their insurance will pay out when needed? I'm worried my current and future insurance providers might not come through in a critical situation.

Be honest about your history and prehistoric health issues, and pay what it cost to get the best option. 

[Sheryl]

2 hours ago, Hummin said:

Be honest about your history and prehistoric health issues, and pay what it cost to get the best option. 

And make sure you understand the policy terms and follow the corrrect procedures if hospitalized (usually this means obtaining pre-authorization).

 

Moved  to Insurance forum. 

[OneMoreFarang]

10 minutes ago, Sheryl said:

And make sure you understand the policy terms and follow the corrrect procedures if hospitalized (usually this means obtaining pre-authorization).

 

I think that can't be said loud enough. Look at the details of your contract. Don't assume this and that.

Too many people don't know what they sign and then later they are surprised that they don't get what they hoped for.

Read it! 

[BritManToo]

3 hours ago, global expat said:

what other strategies can individuals use to minimize the risk of claim denials

My strategy is not to have insurance (beyond government requirement).

[global expat]

Thanks guys