Not All Policies Are Alike: READ YOURS!

As you may know, not all insurance policies are alike. It’s always true that the devil is in the details. I urge all insurance clients to read their policies. 

Have you read yours? Of course not! That is how policyholders typically respond when asked. But as an insurance broker I do read my clients’ policies, and you should make sure whoever you deal with does too.

You may be surprised — or not — how many people working in an insurance company do not have their facts straight. If you are told something that is supposedly based on common sense, but does not sound correct, then it probably is not. Check your policy!

No matter what you are told over the phone or via email, check your policy to verify. Or have someone you trust point out in the policy what pertains to your particular issue.

Your insurance company should maintain in its office — as well as read and be familiar with — the policies of all the licensed health insurance companies in Costa Rica.This information should be available to you at any time. 

Ask for a copy. You will find it most useful reading, especially on nights when you cannot sleep.