Dark Patterns in buying/renewing insurance online

Insurance is always enigmatic as the seller seeks to hide more often than not. This is also an area where mis-selling is rampant. Whether online or offline, there is always a lack of meaningful data. The push is to sell and in that process the company agents tend to give incorrect commitments or less information than they should. I have always observed an obtuse way of answering questions, forcing people to take insurance policies on impulse. Mostly impulsive decisions are emotional ones and they generally tend to over-look several things. Insurance is serious stuff and you are paying a premium for coverage. Therefore it is important not to get hood-winked or short-changed. My ways to address insurance solicitation: a) Ask them to share all the information in writing before you talk b) Take time to analyse. Avoid plans that are pushed saying this is the deal for the day or never before offer. c) Speak to intermediaries who can give a balanced outlook d) Evaluate the interest of the agent / broker in pushing something (your interests will be hit if the commission is high). e) Check exclusions and see if you are fine with them or something critical is getting excluded f) Check capping amounts and sub-limits - This becomes critical in medicliam policies g) Make a list of "Must have", "Good to have" and "uninportant". Do not compromise of "must haves" h) Premium vs cover - make a comparisoon between insurers to prevent getting short-changed i) Avoid random insurers who most people dont entertain or allow on cashless terms - Can be a major issue in mediclaim polices j) Do not hide facts or any disclosures - agents often avoid some things and these may hit you later if it surfaces that you have supressed information. more  

Online/Offline renewal both are not totally transparent about their premium amounts, services and execution of services more  

You register on website once for a quote they bombard u with phone calls more  

Can the insurance sector properly be examined from a dark pattern perspective? more  

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