In­surance Nuggets: Health In­surance

Howler Magazine - - Contents - by Phil Eit­man

“We are healthy and we never need to go to the doc­tor.”

Over the years as a health in­surance provider in Costa Rica, I have heard this more of­ten than not from clients ap­ply­ing for cov­er­age. It's led me to con­clude that most peo­ple would not move to Gua­nacaste un­less they were healthy.

I have also come to the con­clu­sion that most peo­ple are over­due for a health prob­lem that needs at­ten­tion. Maybe it's the pura vida life that lets us put our guard down — more ac­tiv­i­ties, no side­walks and holes ev­ery­where. We are all tick­ing time bombs … we are just due.

Af­ter giv­ing this more se­ri­ous thought, I started to re­al­ize how im­por­tant it is for my clients and friends to have in­surance that pro­vides ex­cel­lent ser­vice, es­pe­cially when an emer­gency oc­curs. Con­sider that the 9-to-5, Mon­day-to Fri­day time pe­riod, when most fam­ily mem­bers are at work or school, ac­counts for only 23.8 per­cent of the week. There­fore, the ma­jor­ity of ill­nesses and emer­gen­cies take place dur­ing evenings and week­ends.

Who­ever you choose as an in­surance bro­ker, make sure there is some­one who will an­swer your call out­side of busi­ness hours. That is when you need an ad­vo­cate most!

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