The Reason for Insurance Refusal by Company Balta: Unexplained Denial Sparks Controversy

The reason for the refusal is not disclosed, as public complaints are not the cause

The company “Balta” denied Aigars the opportunity to buy an accident insurance policy for his child, but the response to the data of Aigaras’s wife, the child’s mother, was completely responsive and the policy was offered. However, Aigars was also denied travel insurance. The company’s agent admitted to Aigaram that it could not insure him and that the reasons for its refusal should not be disclosed.

“The reason for the rejection is confidential and is not disclosed either to me or to you as a client. These rights are provided by the provisions of the Insurance Contract Law (Article 6, Part 2).

The insurance claim does not force the insurer to conclude an insurance contract,” explained Balta in the letter.

Aigars recalled that he publicly wrote two complaints about the services provided by this company – about health insurance and after his car was unsatisfactorily repaired at the car service provided by “Balta” over.

“Balta” representative Tom Sadovskis denied to the program that the insurance company is suing Aigar for the complaints he wrote.

On the other hand, every complaint helps insurers to evaluate and improve their services.

“Why is there no explanation why insurance is not sold to the customer, why is there some black list where customers are placed?” Aigars appeared confused.

Association of Insurers: There is no centralized blacklist, but there is a customer portfolio

The black list of insurers is created by the imagination of customers, said Jānis Abāšins, president of the Association of Latvian Insurers. However, he did not deny that every company has a customer information package.

“There are no official blacklists, such centralized blacklists in the insurance industry. Since there will be such a thing, there must be a legal basis.

There is no legal basis – therefore, there are no central general blacklists,” Abašin said.

The basis for avoiding a specific customer group is in cases where the insurer understands that a service department of a specific customer segment is operating at a loss, then the price of the service is raised so high that it does not buy customers it.

“If you are talking about one individual, you have to stand out, so that insurers do not want this person as a client. The first thing that comes to mind, the most obvious thing – if there has been any fraud. It is clear that the insurer has some kind of internal database. client,” explained Abašin.

“Balta” also confirmed – cooperation is usually refused to customers who are suspected of dishonest behavior.

Whether Aigara’s situation is normal or a case that can be explained in another way – the law allows insurers to keep it secret both from the media and from the client himself. Just as customers have the right to change their usual insurance company to another one without explaining anything.

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