{"id":504,"date":"2007-05-16T18:55:41","date_gmt":"2007-05-16T18:55:41","guid":{"rendered":"http:\/\/166.62.41.2\/~holaamericanews\/2007\/05\/16\/how-can-quninsuredq-hispanics-be-sure\/"},"modified":"2022-07-17T14:14:11","modified_gmt":"2022-07-17T19:14:11","slug":"how-can-quninsuredq-hispanics-be-sure","status":"publish","type":"post","link":"https:\/\/holaamericanews.com\/es\/how-can-quninsuredq-hispanics-be-sure\/","title":{"rendered":"How can “Uninsured” Hispanics be Sure?"},"content":{"rendered":"
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\"tom_kadala\"<\/a>Opinion: \u2018Uninsured\u2019 Hispanics need concrete Assurances<\/i><\/span><\/b><\/p>\n

For hundreds of years, insurance has been an important part of the American culture.\u00a0\u00a0 The relatively straightforward concept of pooling affordable premiums to help out the statistically few who may encounter the unlikely has become the backbone of both our economy and social status.\u00a0 From driving a car to running a business, there is insurance for anyone and anything.\u00a0 …and to acquire insurance, all one needs to do is request it over the phone or web and agree to pay the corresponding premiums.\u00a0 <\/span><\/p>

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Of course, the underlining current that drives the demand for insurance is hard evidence that people who are afflicted actually get paid.\u00a0\u00a0 Without these concrete and visible examples, insurance buyers might shy away from paying premiums,\u00a0<\/span><\/p>\n

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if even for a moment they felt that their insurance company was more interested in collecting premiums rather than dispersing payments.\u00a0 The fact is that our society in the U.S. is so conditioned to accept the need for insurance that the only question that remains among most consumers is \u2018Do you have enough coverage?\u2019\u00a0 …insinuating that even the thought of not having insurance is practically \u2018un-American\u2019.\u00a0 <\/span><\/p>\n

To further support the evidence that the insurance system works, insurance companies spend millions in running aggressive ad campaigns designed to reassure the public that when a disaster occurs, insurance protection will be immediately available to bail them out.\u00a0\u00a0 These ads have been so effective that the messages along with their corresponding jingle have become household terms.\u00a0 For example, \u2018Get Met, It Pays\u2019 or \u2018You\u2019re in Good Hands with Allstate\u2019 or \u2018Like a good neighbor, State Farm is there\u2019.\u00a0 Why is it then that so many Hispanics, who can afford insurance, remain uninsured?\u00a0 <\/span><\/p>\n

In my travels I have heard all kinds of explanations from self-proclaimed insurance experts such as, \u201cHispanics don\u2019t understand the concept of insurance?\u201d\u00a0 …or, \u201cThey don\u2019t like to plan for the unexpected?\u201d …or, \u201cIt\u2019s a gender thing where Hispanic women may be more prone to purchase insurance while men are not.\u00a0 It\u2019s not a macho thing to do.\u201d\u00a0 Whatever the reason, insurance lacks the integrated presence in Hispanic cultures.\u00a0 Insurance ads on TV, print, or radio practically do not exist.\u00a0 The literal translation of \u201cAre you covered?\u201d does not make sense in Spanish, and the appropriate phrases used lack a colloquial familiarity.\u00a0 It\u2019s just not part of their everyday speech. <\/span><\/p>

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As for evidence of insurance companies paying their policy holders in Latin American countries, few, if any, can vouch.\u00a0 Insurance companies in Latin America don\u2019t go out of their way to explain their services and much less their benefits.\u00a0 They don\u2019t have to, since most premiums are government regulated and are for the most part perceived by the consumer as an added tax.\u00a0 In fact one of the terms used to express \u2018premium\u2019 in Spanish is synonymous to the word used for \u2018taxing\u2019.\u00a0 <\/span><\/p>\n

As for U.S. insurance companies who are looking to win over Hispanic consumers, they should look for ways to become an integral part of the Hispanic culture.\u00a0 If presented properly, Hispanics will listen.\u00a0 Companies should be prepared to be patient.\u00a0 It just may take some extra time to undo their negative perceptions.<\/span><\/p>

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\u00a9 Copyright 2007 ResearchPAYS, Inc., All Rights Reserved<\/span><\/p>\n

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Opinion: \u2018Uninsured\u2019 Hispanics need concrete Assurances For hundreds of years, insurance has been an important part of the American culture.\u00a0\u00a0 The relatively straightforward concept of pooling affordable premiums to help […]<\/p>\n","protected":false},"author":1,"featured_media":503,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[42],"tags":[],"translation":{"provider":"WPGlobus","version":"3.0.2","language":"es","enabled_languages":["en","es"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"es":{"title":false,"content":false,"excerpt":false}}},"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t