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this post was submitted on 27 Nov 2023
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No Stupid Questions
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No such thing. Ask away!
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I realize that there are situations where insurance can be beneficial.
I’m just sharing what I’ve learned from working as a claims adjuster. The company I worked for created incentives for denying claims. Customers were often lied to about what is covered by the person selling the insurance. We often shared technicalities that were found in the contract that allowed us to deny more claims.
This did not only happen at the company I worked for. It is common practice in the insurance industry.
No argument here. I recently talked to someone who works for an insurance company and he said it feels like working for the mafia.
You know I used to process claims at a health insurance company in the US and while the general public consensus is that they hate that company, I've never seen the really scummy things people mention online about insurance. There were never incentives to deny claims or find loopholes or whatever. They just had the benefits listed, and various guidelines written out and you were just supposed to accurately process it to those guidelines, deny or pay, whatever.
I'm sure it happens, and there endless other issues, but it makes me wonder what company would risk that stuff if the one I was at didn't.
Insurance contracts are written/worded in a way that allow denial of most claims without much effort. But hard to understand so it is unnoticed by the customer and only the claims adjuster that has read the contract a thousand times would notice.