6 Reasons Why You Need a Health Insurance Advisor

Evaluating different health insurance plans and choosing the perfect insurance plan that fits our needs can be challenging. Given the multiple options, different benefits, and all the hidden terms and conditions - finding the right policy may feel like searching for a needle in a haystack. 

Well, that's where an insurance advisor can help you save the day! An expert who knows the ins and outs of the health insurance business can guide you through the process and find the ideal plan just for you.

An insurance advisor is a trained and experienced professional who helps individuals, families, and businesses understand the nitty-gritties of different insurance options. Health insurance advisors provide guidance and recommendations on selecting the best health insurance plans that meet their clients' specific needs and budgets. They have in-depth knowledge of various health insurance policies offered by different insurers. Therefore, they can compare coverage options, premiums, and benefits and recommend plans accordingly.  

But you may wonder, “Why do I need an insurance expert when I can go on the internet and do it all myself?” Well, here's your answer!

1. Extensive Product Knowledge 
   There are so many plans out there with different features, benefits, and coverage options that it can be really overwhelming to shortlist one! Health insurance advisors have industry experience and extensive knowledge about the ins and outs of each plan. They'll consider your unique needs and guide you to choose the best options!  
    
2. Personalized Guidance 
   One-size-fits-all solutions never work when it comes to health insurance. Suppose your parents have multiple pre-existing illnesses or need coverage for alternative treatments like Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. That's where a health insurance advisor can provide personalized guidance to choose a plan with shorter waiting periods for pre-existing disease coverage or coverage for alternative treatments. 
    
3. Decoding Fine Print and Terminology 
   If you are reading the fine terms and conditions of an insurance policy for the first time, you know that the struggle is real. A whole lot of legal terms and jargon can leave your head spinning! An advisor can decode the fine print, cut through the clutter, and simplify the core offerings of the policies for your understanding.  
    
4. Unbiased Advice 
   If you have searched for health insurance plans online, you must have been bombarded with flashy ads, persistent marketing, and spam calls. Algorithms have made it difficult to get unbiased information. Besides, there are numerous insurance agents who will try to sell insurance plans regardless of your requirements. Insurance experts, such as the ones registered on the Beshak platform, provide unbiased advice as they have no hidden agendas or backend revenue-sharing arrangements with insurance companies. 
    
5. Hassle-Free Purchase Process
   The paperwork involved in the health insurance purchase process can feel like a maze. An insurance advisor can help simplify the process and handle all the nitty-gritties.  
    
6. Assistance in Claim Processing 
   When the situation arises, and you need to make a claim, having an advisor by your side is simply a godsend. They will guide you through the claim process and ensure you have all the necessary documentation to process your claim quickly and efficiently.  

Now that you have understood the benefits of consulting and advisors, it’s time to find one for yourself. Consider the following aspects to find the right insurance expert: 

• Shortlist the advisors based on the type of insurance you need. If you need health insurance, then look for advisors who specialize in health insurance. 
• Check their number of years of experience. 
• Verify if the advisor holds any professional credentials or certifications.  
• Read reviews and testimonials about them. 
• Check their communication efforts and timeliness in responding to your queries. 

At Beshak, you can choose from among India’s top 5% financial advisors. We’ve curated advisors from around the country who will guide you, help you make informed decisions, and be by your side throughout your insurance journey - right from purchase to renewals to claims. These insurance advisors are responsible and accountable not only to you as customers but also to us at Beshak.  

Now, let us see what Beshak brings to the table. 

• Verified profiles of financial or insurance advisors 
• Each advisor has at least 5 years of industry experience 
• Transparent information and details about the advisor’s work profile, including licenses, areas of specialization, and even how many people they've helped through Beshak.  
• Options to sort advisors according to their specialization 
• Reviews from real customers
• Hassle-free appointments 
• Free call with no hidden charges  
• No more annoying spam calls. Schedule calls according to your convenience and availability. 

So, it’s time to book an appointment with a Beshak advisor. How? Here’s your step-by-step guide! 

Step 1: Visit the Beshak website and click on "Talk-to-Experts".

Step 2: Choose health insurance or term insurance depending on what you're looking for. We have advisors specializing in both, so you're in good hands either way. 

Step 3: Check out the advisors' portfolios and consider their experience, qualifications, areas of expertise, and how they've helped others through Beshak. 

Step 4: Found an insurance expert whose portfolio amazed you? Great! Now schedule your first, free one-on-one call. Pick a time from the slots as per your convenience and our advisors will be there, ready to chat and answer all your questions. You will receive an email with the confirmation and meeting link. 

After your first discussion, you'll receive a questionnaire to fill in. It helps our advisors get a deeper understanding of your specific needs and preferences. Once a user fills up a questionnaire, you will receive a comprehensive recommendation report with brands, coverage, type of policy, etc. This report is 100% unbiased and entirely powered by Beshak Research. You can check the policies shortlisted by us and then schedule a follow-up call with your advisor to discuss the report further. This is your chance to ask any additional questions, get clarifications, and fine-tune your insurance plan until it's a perfect fit for you.