Insurance Agent Forum

[honestagent]

Anybody every hear or know why the hospital wrap would not pay by either carrier? Okay you write a policy, client is approved and attains policy? What, if anything, now would prevent either one of these 2 companies from paying and or indemnifying the policy owner in reference to his / her hospital stay and yes, the client did stay overnight.

[pfsthib]

90 day waiting period? I beleive Continental is a 24 hour stay.

[policy doctor]

Hey Honest,

If you don't have a sample policy, order one from the company or make a copy of the one you delivered to your client.

That policy is a contract between them and the insurance company.

That's what you did...you brokered a contract between 2 parties.

Now look over the paragraphs, and find the one that reads...Exclusions and limitations. That reveals under what conditions company does not pay.

I usually point these out in the initial sales call....

[senior-advisor-indiana]

BOy, what a headache!