IRDAI Abolishes Age Restriction on Health Insurance | Know All About it | UPSC

[@StudyIQEducationLtd]

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[@alokmahadev1449]

Health sector should be under radar….the medical expenses are rising very rapidly….government should improve public hospitals and build more and more infrastructure

[@arcaakvira]

we already get medicines with 99.743 discount compared to other large economies and with that another 90% discount in generic stores honestly it can't be reduced more

[@alokmahadev1449]

@@arcaakvira genric medicine are cheaper no doubt in that....I talking about medical surgeries,medical operations,and other medical expenses

[@EKSHATEK]

free m chahiye kya, pehle khud apni health ka dhyaan na rakho fir sab kuchh free m mango...........

[@EKSHATEK]

@@arcaakvira agree

[@zoravar7405]

India me cancer ki tablet 600$ ki milti hai america me 69000$ ki

[@sankum11]

Somehow these Health Insurance companies try to deny the claims.. They have so many terms and conditions, fine prints... They are not customer friendly

[@devashishekka2113]

Frauds make them put checks and balances

[@Civilclips]

Hdfc ergo isn't like this... Yeah if you buy cheap health insurance obviously they will play games

[@preetkamboj1970]

Meri khud ki nivabupa sye thi unhone deny karr diya claim denye sye toh mere toh man na yee ha sab company ekk jasi hi ha ​@@Civilclips

[@arunvyas773]

Insurance sector = चोर सेक्टर

[@kritikarawat2180]

Good with public sector companies they give late but you will surely get the claim complete.

[@uttampradhan501]

Before purchasing health insurance we must ask insurance agent about which conditions we would not get the benifits of insurance🙏

[@Ex_Muslimin]

Yes

[@neerajgupta9202]

Always ask your insurance agents for the policy wordings pdf of the policy which they are selling everything is written in the policy wordings

[@sougatamukherjee8977]

As a doctor I can says It's not about mentality of people to opt for health insurance the real reason is premium because 80 percent indian are earning less then 10k per month according to the socioeconomic census and working report of India there living rural areas miserable life so monthly cost of living going though Sky but income equality and saving and unemployment rate is at its peak in decades 😢

[@anirban1859]

Remove GST from heath insurance

[@RAM_JAN22]

Correct 💯

[@manaktripathi9529]

​@@Balamua_banaras_wala ok I agree,so why not reduce it to 1%

[@manthanshah4713]

Agreed

[@Bitter.truth07]

The most needed... 18% GST in health insurance... Huge...

[@satyamrathor8161]

Yes

[@parasvaghelaksv]

OPTIONS--C>>>>>>>>>>General insurance business was nationalized. In 1972 with the passing of the General Insurance Business (Nationalisation) Act, general insurance business was nationalized with effect from 1st January, 1973.

[@aaditya880]

B - Bhartiya J - Jan Aushadhi P - Kendra Its really cheap for generic medicines

[@nastyjayin]

What about 18% Gst on health insurance ? No age limit on health insurance is good , but at the same time companies will raise so much price that an old person will not be able to buy or continue the health policy. It's useless to have this rule until the govt put some cap on maximum premium and also they should atleast reduce the gst from 18 to 6% .

[@nerisalobo]

Wrong, the more people buy insurance the more affordable it becomes as in it will become possible to lower the rates

[@nastyjayin]

@@nerisalobo people buy various insurance, have you ever experienced anything like what you have said.

[@satyamrathor8161]

​@nerisalobo your knowledge 🤡

[@bhagatsingh_1993]

13:15 *_When was General Insurance Business nationalized in India 🇮🇳 ?_* ✅ Answer:- [🇨] 1973. _General insurance business was nationalized. In 1972 with the passing of the General Insurance Business (Nationalisation) Act, general insurance business was nationalized with effect from _*_1st January, 1973._* जय हिन्द ।। जय भारत ।। वंदेमातरम ।।🇮🇳🙏🏽

[@AbThinker]

Brilliant change by IRDAI. Good Healthcare and education should be affordable and accessible for everyone.

[@prembedi2551]

I agreed

[@thenua]

If government think that Insurance is basic necessity then firstly they should keep all insurance products in 0% GST slab, 18% gst is too much.

[@iamkumarineha]

13:16 Answer:- 1973 (option c) In 1973 general insurance business was nationalised in India. Thank you sir.

[@rajeshsawant7531]

1973

[@iamkumarineha]

@@rajeshsawant7531thank you for correction.

[@Siddhartha-rt8fl]

❤​@@rajeshsawant7531

[@ilove3dmusic]

hospital par price celing lagana chaiye apne man mane dhnag se paisa na le payeen to insurence ki jarurat hi na ode

[@namangupta86]

The problem is not IRDAI limit. The Insurance companies are going to increase the premium soo high that no one would be willing to pay for it.

[@vikashg6447]

Sab ko free Health Free chiya Lakin Dr. bnne pr Wo Kisi bhi patient ka free me ilaz nhi krnga Or Sab ko passa banana H .. or phir bolta h Govt Kuch nhi kr pa rhi h.

[@yogiegupta1373]

Koi logic h iss baat ka ? Kyun tumko sab free m chahiye. Maagne wale Mt bano, tumne society ko kya diya ye socho. (Saying this to you just because u are a literate citizen and must be above the poverty line). Chahiye bhi to PHC CHC aur Govt Hospitals m jao.

[@Admin-jiji]

Good step now we want Laws on claim rejection.. ❤

[@abhiavinash2192]

Insurer cant deny any claim after completion of 3 years

[@vineyanand-ed7hg]

Education and health should be free for two or less child family only.

[@Krishjaiswal101]

You will not use it when it will be free thinking it will not be good

[@shine123..27]

Really good steps by IRDAI 👍👍

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[@ProudIndian007]

Good Decision. Now the one who need more money for treatment are under it..... Insurance companies were earning more by applying insurance for particular age only.

[@prashantkv4]

Senior citizens health insurance is very problematic. First they not give any insurance, if given there are so many conditions, waiting period, capping on major operations, co payment. And they also refuse to pay in many conditions.

[@vivekpnice]

Isme bhi loop hole hai company offer to karegi pr premium vary hoga parent ya pre medical condition pe premium high rkh dege isko kon control karega

[@CKS55581]

Govt side se only Education or health free hona chahiye or kuch nahi

[@motivationalworld_official.i]

Yes, bro👍

[@subhajit_nandi]

100% eligible citizen ko tax bharna chahiye phle

[@sunilsinghmehra9398]

Ye kabhi nahi hoga ye bhi logo ke waja se kyu ki logo ko free ka sab chaiye jab ke education or health main chij hai jo free ya to kuch karna chaiye tha par logo ko baki chije free chahiye

[@1.9tdilove71]

आप किस field me काम करते हो, वो भी free होना चाहिए, क्या कहते हो?

[@user-ok6jv8lx6w]

Paisa aap dena sabka

[@DheerajKumar-ch1rg]

But it will also reduce cost of insurance for senior citizens or now they are forced to offer insurance to everyone but interms of price it will pocket friendly to buyer?

[@rigwala]

I wanted to increase sum assured last month at the time of renewal of my policy but they refused to increase and gave me reason that I made a claim last year.

[@kumpipanda5923]

All insurance has high claim rejection percentage in India its easy to manipulate but Other countries claim rejection is very low that is what need to match as per my opinion

[@prembedi2551]

Now government must keep an strict eye on insurance companies because they are always very cunning. Also hospitals must be controlled from making not unnecessary highly bills by which poor can be ruined financially.

[@अपनामध्यप्रदेश-व8ष]

18 % tax kam karo health insurance me 😊 esa lagta hai sarkar ki najro me insurance karana enjoy me aata hai

[@aadil5891]

Sir ji....abhi tak cash less treatment shuru nahi hua hai...aap toh bahut kuch bolte hai...but actually kuch nahi hota...sirf paper per hi sab hota hai

[@girishsoni8898]

I paid almost 50000/- yearly for my parents insurance premium but when I claimed just for few thousands, the claimes were rejected saying these conditions are due to vitamin deficiency and it is not in cover. Again for some claims were they agreed to pay, only paid partial amount. It’s better if i would have saved 50k per year and put it in some mutual fund, this same money i could have used against any treatment for my parents as well as whole family.😢 they are looting our money and New India Assurance is the biggest scammer.

[@nikhilsingh00058]

General insurance got nationalized on 1 January 1973.

[@neetaspirant9835]

Sir aapne kon sa insurance liya hai please bataiye

[@Ritesh-un4zm]

Very Nice, 1st Oct latest Information

[@thalasadagrouplcb9914]

*Love you for choosing this topic*

[@ananthapadmanabharaobharth8114]

All health insurance not covering Daily medical expenses this cost is more but our government never thinks

[@manishadadhich7893]

Ans C

[@k2712m]

No meaning if the Insurance premiums are high. i would rather wait for Ayushman Bharat. Even Rich Senior Citizen will not pay a premium of 75,000.

[@subhajit_nandi]

Insurance cancellation pe Refund Above 80% karwado IRDAI babu bohot log fanse hue hai C word wala insurance leke

[@surendraverma2501]

Going to buy health insurance stocks.

[@akilahmad9685]

In this sr citizen scheme ins company may charges to high because irdai has not regulated these charges according to age

[@alokmishra1862]

Answer. C) 😊 Remember, Banks were nationalised in 1969 Insurance business was nationalised in 1973

[@pradipshinde6598]

Insurance ki Mansikta hai Lekin Paisa Nahi Hai Premium Bharne ka.. kya kare... Sab ka Premium Alag Alag Lenge to Aur bhi Jyada Kharcha hota hai..

[@NavStudy642]

Mujhe lgta hai sir. , insurance claim ke bare me confident ya Jankari na hona bhi reason h

[@villageboy2176]

How many people is here who victim of health insurance company please like and comment?

[@saumajumder9279]

Health sector ko lekar govt ko zada satark hona chahiye, medicines k kharcha bohut baar Chuka hai

[@abhishekmishra5936]

Great decision by Government 👏🏻👏🏻

[@thesandeshvlogs]

General Insurance Business (Nationalisation) act 1972, Nationalised this sector which came into force from 1st Jan 1973

[@praveenprakash1448]

Sir In last you told As per IRDAI Policy the maximum waiting period of any pre existing diseases should be less then 36 months but I am taken policy of Aditya Birla health insurance insurance,plan is Active fit plus in which waiting period of pre exiting disease is 48 months.Should I contact insurance company?😢😢😢

[@ShirishVatkar]

With blessings of IRDA premium wl increase 😅

[@HarshitRanaVlogs]

Aayush maan card ko accept to karte nahi private hospitals wale kya fyada

[@KaranSingh-hx8dh]

This is very important topic to share. But there should be life time health insurance sceam

[@preetkamboj1970]

Sir bat yee nhi ha ki health insurance lena nhi cahtye log log lyenye lag bhi jaye health insurance prr private companies jo ha na claim kye time bohat frauds karti ha toh logo ka trust nhi ban paa rha hmari khud ki chal rhi thi 8 sal sye health insurance lekin jab claim lenye ki bari aai toh company nye claim hi nhi diya toh ham nye bhi band kra dii policy toh ic liye trust nhi ban paa rha logo ka

[@TheNeetu27]

Ankit sir make video on recent hindu marriage act judgement by SC

[@samtos236]

Private hospitals must be transparent in their charges

[@debimukherjee2933]

Save that premium money in bank. Not every year people need mediclaim covarage. So why pay that money to insurance companies? Save it for yourself.

[@Niks0937]

Commendable step👍🏻👍🏻👍🏻

[@trisha4002]

अभी भी ज्यादा प्रीमियम लेकर पॉलिसी देते तो हैं । एक्सिस्टिंग बिमारियों के साथ भी पॉलिसी देते हैं लेकिन वो तीन साल बाद कवर होती हैं । फिर क्या बदला है उसे कृपया स्पष्ट करें ।

[@sanjanind]

They simple reject the application with xyz reason.

[@manjubaldawa2602]

❤❤❤🎉🎉🎉in health insurance ayurveda & homeopathy treatment should be included

[@SatyamKumar-cb3he]

General insurance nationalized in -1972

[@mjan1509]

6:04. Used "budha" for Sr citizen. Please use decent language and word

[@Arvind-Srinivas]

I am an employee from royal Sundaram general insurance

[@sarkariyojnatv]

Bahut badhiya inaciative liya hai bhaiya 😮😮❤🎉

[@bashantkori269]

लोगो को पता ही नहीं है कि आयुष्मान भारत से कोन सी हॉस्पिटल में इलाज कराएं हॉस्पिटल के बाहर लिखा होना चाहिए ताकि गरीब लोगों को तुरंत पता चल पाए की इस हॉस्पिटल में फ्री इलाज होगा 😢

[@saddammughal834]

Thanks alot to IRDA

[@Y2CC]

What a development now instead of denying insurance for senior citizens private companies will keep cost so high that hardly anyone can effort.. hospital companies are biggest scam in India. Hospital unions ne ek rate card publishing kiya to fix treatment cost. So these hospital made this list as minimum cost instead of limiting maximum cost. And insurance company follows unions list and asking extra amount to be recovered from patients..

[@lightsforall7076]

Sir logo ko nhi lgta ye companies ki policy h ki insurance ka claim reject kr deti h isliye koi krata hi nhi

[@hemavathyg2494]

What about individual with special needs, they are refused too.

[@anshulsinha5540]

Ankit sir the best ❤❤

[@chintusahu0403]

Fir bhi log nahi karwayenge insurance

[@durgeshpandey1381]

SIr yah rule kab tak implement mein a jayegi..???

[@vjk-u6q]

Gr8 work by our central government

[@himanshuk177]

Health insurance should be free for all ITR filing individual irrespective of age.

[@marripallinikhil3197]

Sir, Is this kind of policy change acceptable in election code?

[@krishnaagarwal3018]

they wont dey healthy insurance , just increase the premium so much for senior citizens especially with existing medical conditions that nobody will opt for it.

[@ManojKumar-ck4ll]

सर इसमें प्रीमियम का क्या प्रीमियम भी काम होगाक्या

[@antevasin2786]

what about term insurance

[@Bholu420]

18% GST का कोई औचित्य समझाये सरकार को? मतलब सरकार के हिसाब से बीमा लेने एक luxury है और नहीं लेना चाहिए। अपना घर बेच देना चाहिय अगर कोई गंभीर बीमारी हो तो। health insurance तो मजबूरी है सरकारी हस्पताल की हालत सुधरे या फिर GST हटाये।

[@alluh4261]

Thank you government 🙏

[@overunityinventor]

Sometimes back govt mandated 100% cashless treatment in all hospitals by all insurance companies, but when i spoke to starhealth customer service, they said, they have not received any such circular from the govt in written and unless they receive it in written, they will not start practicing it, so this is all jumla, govt is pleasing public and not making it jappen at ground

[@VishB-nf5ye]

Prevention of diseases should be the priority. Try to eat home made meals in order to minimise damages in the long run. There are sonmany diseases that have no cure. Mental health shouldn't be ignored either. These are the basics.

[@aboveall.7]

No matter what..! मोदी जी Forever ♾️

[@crpfrajan]

Yes ❤

[@sujansahoo2951]

Insurance premium itna jyada hoga ke hum effort nhi kr sakte

[@craze540]

Finally a very respectable step!

[@Amarrdiipkumaarr]

This will have not provided much help to public as premium of such policy will be very high when during higher age bracket in India there income reduce and also do not have life cover.

[@prabhatthakur2812]

Rather govt. Must improve health sector.

[@Moderator.]

faida kya h.. premium hee itna jaida hota h senior ka ki waise hee dedo hospital ko

[@NeelamSharma23500]

Or Paisa maar lenge, claim v ni denge...

[@abhishektiwari7127]

Insurance policies are in more favour of insurance company than insurance holder.

[@SonuSingh-yy8cc]

A] 1956 general insurance was nationalised in India

[@rajeshsawant7531]

1973

[@mandarp9472]

This is misleading news. Insurance companies will decide whether to accept the policy above the age of 65 years or not. So not at all useful for customers and insurance companies can increase premium by a huge percentage.

[@manis.c4521]

Age restriction se kya hoga age ke saath premium bhi badathe hai

[@nirmalmondal1494]

Through increasing insurance awareness in public, govt want to decrease liquidity in the market.

[@jit3864]

Health government ka responsibility ha ...... government ko health may spending barana chayea😅

[@pravinkshirsagar4252]

It's disappointing that instead of regulating hospital and medical company pricing policies, the government is promoting insurance purchases, which seems to benefit these companies at the expense of consumers, resembling a legal scam.

[@SHAGUNSINGHAL-vu7xn]

Sir, please start making International Relation topic videos again.

[@Rjj323]

Bharat ke log insurance issiliye nhi lete kyu unki salary se basic need hi puri nhi hoti.

[@user-hv8we6gu6v]

Premium kese kam hoga?

[@dnyaneshwarhirgude4267]

Good step..

[@harshvijayvargiya1935]

Mere papa ka khudka 28000 ka hai baki hum teeno ka add karke 33000 hi pada