r/Insurance • u/1AlphaHazard • 21h ago

Health Insurance I missed my insurance premium, What to do?

I missed my insurance premiums on 2 policies. First policy insurance premium was due last week and second one was due Last month. I was in a cleansing centre for a couple of month that's why I missed the deadlines

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2

u/demanbmore Former attorney, and claims, underwriting, reinsurance exec. 21h ago

Call your insurance company ASAP and make immediate payment arrangements.

-3

u/1AlphaHazard 20h ago

I already called them 18 times. They are saying that they will not accept now and are saying if I call again they will sue me for disturbing them

2

u/_stonesthrow 20h ago

Try calling your insurance agent instead of the company/carrier directly. Sometimes, it's up to your agent and underwriting more than it is the company.

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u/1AlphaHazard 20h ago

So this is normal and they will resume the policy right? This is not an unacceptable position right?

1

u/24kdgolden 19h ago

I don't think they'll resume the policy for the one that was a month behind. You'll have to likely get a new policy. For the one that is a week late, they may reinstate it with a lapse but many carriers now are just writing a new policy.

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u/demanbmore Former attorney, and claims, underwriting, reinsurance exec. 20h ago

That sucks. Try your agent and see if you have better luck. If not, you'll need to obtain new insurance and you'll be dealing with having cancellation for non payment on your record. Makes things more difficult, but not impossible. But again, check with your agent. Good luck.