Assuming that we are not vegetarians, when we go shopping at the
butcher, we don’t ask the butcher what the price per kilo of steak is, but first we have to give him a set of information related to our family’s tastes, which starts with type of animal, which can be pig, cow, veal, duck, horse, chicken, chicken, etc.
If we focus on beef or veal steak, we have at least fifteen types here, from: brisket, chuck meat, fillet steak, neck steak, rump steak, bone-in steak, sirloin steak and many others. They almost remind us of sweets: each color has its own taste.
And what about insurance?
In the automobile sector, for example, it comes down to two questions: How much does third-party insurance cost or how much does own damage insurance cost (aka all risks).
Did you know that the variables in car insurance and upgrades alone can be four to five times the types of steak?
Well, it is in this insurance illiteracy in which we live that there are insurance companies that take advantage to
preferably sell directly, avoiding the mediator or insurance broker so as not to see the different products questioned, such as that of the “hedgehog” insurance company that in the simulations included this prose in the footer: To have the possibility of choosing a workshop outside the Our (of course) agreed network, when you report a Personal Damage claim, take out the “Choose the Workshop” Coverage.
And by the way, pay another €83.50 for a €9,150 vehicle…
These and other situations are what Customers forget about when they take out their insurance without the intervention of professionals, launching rockets with the “saved money”, and then being hit by reeds, at the time of the accident.
Likewise, in other types of insurance, such as travel, we see Customers subscribing to a document entitled Travel Insurance, but when we ask what capital and risks are subscribed, they usually shrug their shoulders.
Professionals know that countries like the United States, Canada and Japan, take out insurance with
medical expenses of up to €30, 40 or 50,000 are the same as nothing. A few years ago my wife had a slight problem and was admitted to the University Hospital of São Francisco. Three hours later and 12,500 dollars supported by the insurance company, we have the problem alleviated. What if it was a serious problem?
In September of this year, more precisely on the 13th, news emerged that a citizen from the North went on vacation to New York and was surprised by an aneurysm which, given the two operations carried out (one more to go), would have already presented a bill of 150,000 € The insurance company paid the subscribed €30,000 and for the remainder there is an ongoing process of collecting contributions…
When do we start to think that going on vacation or traveling will have to be happiness and not the beginning of nightmares?
Every year we go to North America, but with travel insurance for illness and accident (there are insurance companies that only underwrite accidents, please note) and with expenses
Unlimited medical and hospital services.