Health Insurance SCAM Revealed - Do These 10 CHECKS Before Buying Health Insurance | Rahul Jain

[@torahulj]

Book a FREE call with Ditto. LIMITED SLOTS 👉 bit.ly/3QlVQ6b Hi All - I made a calculation mistake so if I correct that the total settled bill be 272,000 instead of 2 Lacs. My apologies for a mistake. But the point and the intent of the video remains same that we need to check these points before getting very less claimed amount. Hope the intent of video is clear. For exclusive member only content, you can Join my YT community here: 👉www.youtube.com/@torahulj Click on the Join button next to the subscribe button and follow through the process :-) You can follow me here as well: 👉Insta: instagram.com/torahulj/ 👉LinkedIn: www.linkedin.com/in/connectwithrahuljain/ 👉Twitter: twitter.com/torahulj If you found this video educating, please let me know in the comments. 🙌 Also please drop your suggestions on the topic that I should make videos. Thank you for watching and learning with me, keep rocking :-)

[@blackmagic-p3q]

This video should be marked "Includes Paid Promotion"

[@shubham7419]

Can you please suggest any good health insurance policy on the basis of certain criteria.....

[@tejeshjptejesh5288]

Firstly you told 200K and changed to 272K and commented apology for that. That's great to accept mistakes. But 272k itself wrong. Kindly revise the mistakes. 5k*7 =35k 10k*3 = 30k 100k 75k 80k 21k so Total = 341k Not 271k

[@torahulj]

@@tejeshjptejesh5288 - you forgot 20% co pay so if you apply 20% on 341k, it will come out to be 272k. We all make mistakes but the point is not the exact numbers, its all about what are we paying and what are we getting back!

[@tejeshjptejesh5288]

@@torahulj yes yes I understood it well. This is my first video from your channel. It's a great work from your side. I continued to watch the term insurance policy video. That's great too. Still I may not accept a 12% is return possible. You put a lot of effort in these videos and a math mistake is very common. I just not wanted to mention it. But still I done it out of curiosity.

[@rv0_0]

- Do not have Co - Pay - Do not have Zonal Co pay - No restriction on room rent (No capping) - No Disease Wise Sublimit - Pre and Post Hospitalization Limits - Low waiting period. - Covered for Daycare Treatment

[@mahenderpratap1466]

Is there any plan ,full proof of all above concerns

[@rajanibhat1586]

​@@mahenderpratap1466 Yes. There are plans

[@anilrajput1984]

⁠not available like perfect wife come in dream 😂😂😂😂

[@ojasvbansal8952]

Optima super secure ​@@mahenderpratap1466

[@Helper7658]

Axis Bank x Aditya Birla Aditya Birla Active One NXT. Maine liya hay. 10L sum assured (Increase 10L every year, up to 50L)(Even if you claim your insurance) 25L Life Insurance It's free from all of these problems you asked for 9093 per annum (including GST)

[@sameerbaig3216]

I have insurance policy with Manipal Cigna for my parents. My mother who is 69 who suddenly her walking & overall physical moments affected. And wheelchair bond. After medication & with MRI scan she was diagnosed with severe compression in her C4 C5. Surgery was needed in urgency otherwise permanent paralysis was possible head down. After the operation when wanted to reimburse they said waiting time is 2 yrs. whereas our insurance policy had completed 18 months. If we had to wait for 2 years my mother would have been paralysed for life. You are right insurance companies exploit.

[@narrpavi2812]

Why not buy much earlier & cross the 2 years waiting period ?

[@brianmouses28]

That's the rule...not much we can do about it.

[@anilthota414]

Age 69 years How policy Issued

[@sujitkushwaha1541]

इंसोरेंस कंपनी आपसे ज्यादा चालाक है, , फर्जी क्लेम लेना आसान नहीं है,

[@microtech2448]

These health policies should be strictly monitored. Insurance companies make these policies so lengthy and complicated that no normal person can understand fully. Policies across insurance companies should be mandatorily standardized to simple teams and all capping/limitations should be listed on a single page with amount/percentage.

[@FoxyCAMTV]

Insurance is an all party inclusive scam...Government is one party.

[@santhanamsethu2531]

BJP govt give full freedom to collect money & cheat people. All insurance companies are do this. I suffered with ** 2:35 medi Assist ,, Insurance company

[@PrakashSrivastava]

actually every insurance company have diff plans and the fucking insurance employee and 99% insurance agents never tell that diff plan , they will try to sale cheap plans so sales will increase and unfortunately not any one check full details of policy proposal also not read policy deductions within 15 days after issuing of policy

[@bvssrsguntur6338]

@@santhanamsethu2531 And BJP govt did this?

[@DipankarGhosh007]

​​@@santhanamsethu2531🫡u 🤡, blame the govt for ur inadequacy to read ur health insurance terms

[@jaychandra2754]

Feel so lucky i got to see this video only today.....too late though.brilliant video. i have two points to raise 1.Am a senior citizen in my seventies with a medical insurance policy.How can someone already on a policy rebiew the terms and rectify the points you have pointed out.Can i switch the provider? 2.cant the health insurance holders form a lobby and seek a legal remedy for all health insurance providers to adhere to standard terms that are fair to the insured while recognising the business sense from the providers point of view.

[@user-vn7vr1oy2j]

Check on policy bazar

[@neerjaahluwalia3711]

Policy bazaar is a scam

[@VineetNautiyal]

Who all needs the next video on "Best Health Insurance Policy in India" by Rahul Jain Ji?

[@karan4163]

there is no such policy atleast in India

[@aosaeanor]

Maybe the best or better options offered by some of the well known Insurance companies

[@sanjeevphukan806]

Sir, pliz make a video of the best health insurance Co. In india 2023 at the earliest. Waiting eagerly n in anticipation

[@indranidutta1945]

Yes best health insurance policy for senior citizens. Most important to note also senior citizens are not being accepted by insurers if they have had any serious hospitalisation like pituitary tumor surgery etc

[@rama-no9qr]

Me😊

[@sameelshamnad6142]

My uncle took a health insurance of 50000 premium in Kotak insurance, they said he should pay 1lakh next year , when said he had to pay 50000 on 10years and only get 2lakh and rest of money will be taken by them. I asked to close this deal before he looses anymore money.

[@kiran656]

The biggest scam in Midical Insurance is not claim getting rejected, it's claim getting reduced. The Insurer won't reject your claim, because it will affect their claim settlement ratio. The only way we can avoid is know your terms and conditions of your health insurance.

[@atulsrivastava3197]

Good

[@How_is..It9]

In world vide Medical Fraud looters Top rank is INDIA only. Bharat matha hi ....😢Hi...😊Hi 😂

[@vintubeable]

One more parameter should be added to evaluate the insurance companies.... Along with claim settlement ratio, claim payout ratio also should be noted... What is the payout to what is the claim amount.... This will show true picture.

[@ash59959]

Never ever buy from policy bazaar because they didn't help in behalf of you and we have to call many time's for help of claim & don't buy Aditya Birla because they decline your claim after getting every report's, because their team decide and don't trust your reports or doctor treatment..... All premium they're eating of innocent people in India and no big authority taking actions against them.....

[@sathishsathi7218]

I thought, This is most Detailed Video for insurance in the KZbin Kudos to You 👍 Thank you very much from Tamilnadu

[@Didwanakochhokro]

If it’s a cover of 15lacs, the room rent limit will usually be atleast 15k. The issue usually arises with lower covers. Then there can be issue if the sub limit for a specific treatment is not sufficient.

[@manojbhaskaran6395]

Rahul you are a great human being 🎉 only people like you can educate the common people 👏 👍 😀 God bless you 🙏

[@ripintandon]

Thank you so much for this video. In India, people do not want to talk about illness. It is considered to be "ASHUBH". That's what these companies are taking advantage of. They know that people won't go in that much details 1. because they can't foresee so many situations 2. they don't want to imagine such grieved situations. I think this shall be a part of our education system. Thank you once again for this.

[@ex.hindu.now.atheist]

@ripintandon "Thank you so much for this video. In India, [...] a part of our education system. Thank you once again for this." ==================================== *I agree with you.* *Such superstitious beliefs create many complications:* Such beliefs are one of the reasons that many persons fail to create proper wills for their property; Such beliefs are one of the reasons that India does not even have any law regarding pre-nuptial agreements; Such beliefs are one of the reasons that Indians are reluctant to think about things such as Advance Medical Directives (AKA Living Wills).

[@msrose6538]

No nonsense....clear and precise presentation.....very helpful for a lay person like me with zero knowledge of insurance policies.Thanks

[@tiwaringp]

Consumer organizations should take this up with government and IRDA.

[@adv.prabhakar4013]

I am practicing advocate in bengaluru and my suggestion is why don’t you file PIL in Supreme Court or high court regarding these frauds and scam by imposing unacceptable conditions & if you desire I can help you.

[@pretread]

once you have signed on the policy then u can not go to court - there will be few heavy weight lawyers appointed by the companies.. better is to sit and read and understand what is written in the policy

[@AbhiR0003]

Why don't you file a PIL if you know the truth? You can't pay yourself that's why you won't file it

[@purushottamr.maradia9723]

Advice to others but can't do self. All must beware of fraudulent insurance and premiums.

[@santroley]

Sir thanks not only Insurance companies but also hospitals also take rides.as soon as you accept the terms and conditions and sign one can not wriggle out of it.oy after consulting many advocates Insurance companies frame the terms and conditions with devils inbetween the T and C.both on hands and glouse.thanks sir.

[@EMTMZ]

Will you pay the advocate fees which is arround 1Crore?

[@tanmoysinghamahapatra2523]

Hello Sir, There are few mistakes in your excel calculations. In the eligible Claim column for room rent it should be 35k = 5k*7 days. Similarly Icu will come out to be 30K = 10K*3days and for Doc Visit it should be 1.5K*14=24K.

[@avadheshbhele1227]

Right

[@santoshkunjir2310]

Right

[@pankajgaba5050]

He has clearly wrote Eligible claim per day. 5000 ke upar dekhiye

[@pankajgaba5050]

He made a mistake in total. Forgot to multiply the per day cost with days.

[@ItsMyLife_05]

​@@pankajgaba5050then why does he mention no.of days ..?

[@aruntvs6012]

The room and ICU charges claimed by insurer is not multiplied by no.of days. Ex: 5k * 7 = 35k and 10k * 3 = 30k. So, instead of 5k + 10k = 15k, the insurance claim amount should include 35k + 30k = 65k. Pls fix the video (or) add note to check updated data in description

[@ThDaniel]

Excellent video. Before taking any medical insurance, plz ensure that you take high room rent, or NO rent limit option. Insurance companies are scamming Indians for many years now.

[@vish1146]

I liked the way you have pointed out the various clauses used by insurers to shortchange the insured. However, by following all your suggestions we may only end up paying a huge premium. We need inputs from experts like you on how to optimise the premium paid. Secondly, there are many like me who were covered by our organisation during our work life. Fortunately, we never had an occasion to avail any claim. Now, post retirement, if we try to start a new policy privately, we are charged a huge premium irrespective of the quality of our health. Please suggest a way out for senior citizens. Thanks

[@UdaiBaliga]

Your video is informative. But a big fact has been missed out...which is that. All hospital charges are based on the room rent. Meaning if your room rent for sharing is Rs.5000/- per day then your Operation charges will be say Rs.1,00,000/- . But if you take a single room paying Rs.10000/- a day then automatically the Operation charges will be Rs.2,00,000/- I have learnt this the hard way. In your example also the main reason that the insurance company is deducting so much is because of this.

[@rajeshkumar-dk5ct]

Yes ..the charges automatically goes up across all facilities as per the room rent.

[@naveenkumarsharma2716]

Government, General Insurance, private insurance companies racket is going on with each other palm greasing ( corruption) ….. poor public is exploited by Insurance Agents … they are getting 17-20% commissions for befooling innocent public . Your presentation is eye opening and very helping… I hope Ditto is not befooling public.

[@Vishad_Vishwakarma]

every insurance policy should have a tutorial video by government order to show every terms and conditions in regional languages

[@SandeepanBose]

Don't take a deluxe room if you are not covered for it. Actually even the hospitals show an example chart where the cost of a stent changes with room type. The government prescribed rate is applied if you get admitted to a ward bed.

[@nandakumarmp4317]

You could have added further value to the video if you had suggested or given rating for different companies offering health insurance which would help us to shortlist the ideal one for us. Right now again it is very difficult to compare the terms and conditions. Also, why can't government bring about a policy which makes health insurance less complicated.

[@dayatec]

They can do it easily. But they will not think about it. They let private dogs earn from scamming common taxpaying people. If govt is running, only rejections will happen more

[@umeshguddad8427]

I endorse this view.

[@vikasmishra1381]

These points need to be eradicated from Health Insurance Policies because this mean that the companies are not insuring in real sense. A PIL should be filed in the Court and the Court should direct the IRDA to check these clauses for the benefits of the people and not to maintain it for the benefits of the companiez.

[@thomaswilson5017]

You nailed it. Pls suggest a good policy that covers all your 10 points. You would be doing a great favour to many vulnerable citizens.

[@SanthakumarJothimani]

Ha ha ha ha... 😅😅

[@custompro4156]

It should be government insurance policy

[@ramidubai9033]

This is an ad to new type of insurance ..saying others are bad and we are good.. anyways thank you for the insight

[@suryoda]

Please make video on top 10 best health insurance policies

[@pinnacleessence1750]

​😅😅😊, X ufology IIGMIIIMDIeaw o mein mb

[@rakeshsrigadha8832]

What should an existing policy holder can do..to cover all the points mentioned in the vedio.

[@nonickforachange]

I have just had a horrible experience through united health care ( bought through office). Your video has helped me understand it better and learn. Thank you. Keep up the good work

[@Policefan]

And the major problem is that most of the time you get policy terms and conditions only after purchasing the policy

[@OmkarPatil-kk2mb]

Shame on our regulators IRDA for allowing such practices on their citizens. Reminds me of movie #Jawan and it's significance on our society

[@satishvarada]

I'm 66 years old and have a health policy with national insurance last 5+ years. We are aware of most of details in the video. What would be helpful to me are the following: Can you suggest a policy (name and service provider) that provides the benefits you described? You can suggest 2 or 3 policies/service providers . Also, can I switch service provider and/or policy types without again going for waiting period? Appreciate your reply.

[@santosh.script]

Acko Insurance , zero waiting period, all digital claim, no-cappings, Covers upto 100 cr too. Used it few times, no hassle, issues seen so far.

[@grajji5299]

Acko insurance have closed their window. Not accepting any new plan.

[@frankly.speaking]

We truly appreciate for taking time and making us aware of this scam which truly is a serious cause for concern and the govt needs to address it specially when they charge 18 percent GST on it but turn their backs and allow these firms to swindle the common man.

[@ramkumarch1]

everything is fraud in our country.

[@MukeshKumar-ij5cn]

Govt ko GST mil raha hai use woh hi chahiye or baki company kisi na kisi tarah se pay karti hogi like electrol bond.

[@ImmortalRider28]

When we book room in hospital the chargers of hospital too increases with rent

[@Ram-js4dj]

One of the best video in limited time(less than 15 mnts) among the videos available on KZbin by others! 👏👏👏

[@Satyamkt97]

Best video? Excel me galat calculation dikha rha hai best video me no doubt jo bata rha hai wo sahi hai but calculation to galat hai.

[@Ram-js4dj]

@@Satyamkt97 plz elaborate

[@rumi_das_biswas]

Yes calculation galat hai.

[@rumi_das_biswas]

5k per day for 7days would be 35k Icu charges would be 30k Doc visit charges would be 21k Total amount would be 3,41,000. 20% of which would be 68,200 and insurance company will pay 2,72,800/-.

[@rosarosa8993]

Thanks for your explanation I have gone through this exactly as you have said my humble request to the government to please do something specially for senior citizens who struggle to pay the premium n get peanuts when claims are put ip

[@harry280975]

Good Video. Nicely covered all the major points that has to be looked by individual before buying insurance and i agree with some of your views on the conditions that are added to not pay medical bills by insurance company. one more major issue today in our society is the medical insurance for senior citizens. People are socked to know that there are limited options and with all the conditions they have to agree to what ever terms and conditions added. Govt should really look into this and help senior citizens irrespective of which category they belong.

[@anishrajan]

Insurance company make money by not paying, why would they include seniors? As to the seniors, govt help them by providing govt hospitals.

[@NiftyPattern]

Government wants seniors to die sooner as they wont add much to GDP . See how PPF interest was manipulated to keep it low by Modi government

[@awesomeperson9142]

I opened a RD in each of my family members name and put an amount equivalent to a insurance premium into it each year. My coverage in the RD is now 5 times what would have been in insurance if I had paid premium for last several years. It takes 1 day to liquify RD. It requiers days of beggin to medi claim companies to pay the amount while the patient suffers.

[@goondabosslm]

Say if one is saving around twenty thousand per year, in 10 years it'll only be 2 lakhs sixty five thousand Rupees at 6℅ interest compounded. Or if the amount is one lakh per year, it'll be around 13 lakhs. That is still not so much considering the cost of medical bills these days. For a major surgery like a transplant if one needs it'll cross 10 lakhs excluding other expenses and after saving for 10 years without any sickness or hospitalisation the bills will become even more. So isn't it better to have some kind of insurance which could be cheaper? Just my thought.

[@awesomeperson9142]

@@goondabosslm Insurance covers only 2.75 lakh and that to even after begging they wont give you mnore then 1.5 lakh in case of hospitalization.For the insurance to reach 2.75 lakh my father used to pay 32k per year for 30 years. If you invest it in RD it would be much more than 2.75 lakhs. Plus Insurance causes delays during discharge. This might cause the patient to get some other desease like anti biotic resistance backteria. After all hospital is not a good place to stay.So overall RD will be much cheaper and convenient than insurance. I understand that hospital bills are expensive but the RD does a better job at covering the expenses than insurance. This is from my first hand experience.

[@MeifunVeil]

Very informative video. Shared it with all my friends. My friend had exactly the same experience detailed initially in this video related to room rent offsetting. Health insurance is becoming a necessary evil and iRDA is only helping insurers and not the insured / common man. Hospitals / Providers are keeping in increasing the cost. Treatments which used to cost 1L, a few years ago, now costs 4 lakhs and you will end up paying 1L nullifying the whole insurance benefit. But you can't avoid as without insurance you will end up paying at least 3L at current prices for that treatment. Now at get the real meaning of "network hospitals" - they form a network - hospital, insurance company and IRDA to fleece poor patients / common man. Government should come with strict norms to curtail this whole scam. Once again thanks for this video, Rahul 🙏

[@chetanayahuja5301]

Which policy should we choose then ?

[@subhav6194]

Very good information. Pl suggest some insurance companies which cover the very good points mentioned in your video. And also for retirees

[@vijaykhairnar6613]

That is why I don't believe on any insurance company. Instead of paying premium I collected the amount to get my treatment if I need. Best policy is save money for your own treatment.

[@jayaramank3057]

One thing missed out is the fact that one cannot claim room rent for the duration of days spend in ICU. Say a person spends 1 day in the room followed by 2 days in ICU and then gets back to his room to spend another 2 days, he can only claim 3 days of room rent and 2 days of ICU !

[@Felicia54817]

The relatives of the patient will be staying in the room

[@kamalkhaitan8008]

Which company policy we should take , i have to migrate having policy more than 12 years with oriental, main problem lies with existing disease.

[@Kiyansh_Shaha]

Hi, I understand your concerns, however what if we already have Mediclaim policy having per day cap basis? Are we 100 % okay or safe to port it? Also, what if we already undergone the claim in prior years with the existing insurer? Do the new insurer accept to port?

[@vivek.bhalla]

Most people when detect stone, harnia, catctact, fisher, fistula immediate try to take insurance policy. Co is also smart that ab hamere pass aya hai. Fir perposal main chupa lete. So thats why co 24 months lock karti hai. And pre existing 36-48 momths depending on co. Pehle knee pain aati, 5-7 saal bad knee replacement hoti. Ase to sab usi saal insurance lege. Bad main co ki chutti bhai.

[@madhunair5219]

Good information I think you have to share some Medical Policies which will take care of all these points you discussed, so that people are aware of good policies and companies will try to refine their policies once people are aware

[@Automation1OcmiIndia]

Hi sir, You have well explained in detail but I thought that the eligible claim per day needed to be multiplied by the total days and then make the final amount. Am I wrong? Thank you.

[@sanjaynatekar8186]

You have made a silly but big mistake in counting eligibility. The room rent eligibility is 5000 × 7 = 35000 and not just 5000 in total. Same mistake you made for counting ICU rent & Doc visit chgs

[@Aman-uu7vi]

Correct. That accounts to 50k difference in calculation, but still a good video for a novice

[@sanjayt1988]

Didn’t get you. Can you please explain your point?

[@priteshbheda]

Looks like mistake was done so people would watch and he could name it as scam

[@irsh_official]

This is the reason why ordinary people are not opting for health insurance

[@padmakard7]

The eligible claim calculations were done on per day for Room Rent, ICU Charges & Doctor visit. Had you multiplied it with the number of days, the eligible claim would be ₹3,41,000. Please keep such basic checks in mind especially when lakhs of people are viewing your video. Good content though.

[@devendrasuthar9465]

Agreed!!

[@kurianvarghese4659]

Can you please recommend the best policy available in India to opt, which can provide all benefits covered, it should be very helpful like...

[@reynoldserrao344]

An eye opener. Thank you for explaining the topic on medical insurance so clearly.

[@Sree_Channel2]

@1.Click_photo_GetMyContact9i was rejected my health isurance due to Iga nephropathy and advise any isnurance accept iga nephropathy

[@anupamchauhan1303]

Is better to get medical insurance for family or individual

[@nishantgiri]

Hi Rahul, It was amazing video however you didn't provide any remedy by suggesting few policies which are good to go based on the suggested points. This is the one of the main issue with many You tubers that they talk about problems and move on! however I appreciate your content and suggest to make compete video by concluding or suggesting your inputs rather leavingyour audience in limbo.. Thank You. 😀

[@ankur1828]

people will be highly benefitted if you mention which are insurance policy available in market which cover whatever you said in your talk . Its difficult most of the people go on scrutinising insurance policy because most of the insurance policy mislead or hide this information while selling the same!

[@ranjanc9846]

Hi Rahul, I see a mistake in your Ditto website, It is given there that for Optima Restore, there is no restriction on rooms but in my policy, it is given as 'Daily Cash for choosing Shared Accommodation: Rs 1K per day with Maximum at 6K per day'. So, it seems that the policy covers only for shared accommodation. Please correct me if am wrong here.

[@logingoogly]

May be if you self downgrade to shared room, the rent saved is being given back as daily cash. There is one LIC's Arogyo Rakshak Policy which can be used as a top up where a lump sum fixed amount is given no qs. asked in case of hospitalisation.

[@ranjanc9846]

@@logingoogly Thanks!

[@moushumi09]

@@logingoogly top up is another scam with deductibles! BEWARE!! Do super top up only if the company has. Many don't have

[@lenin8734]

can you guide me on choosing health insurance @@logingoogly

[@kumarsk21]

​@@logingooglysir can u suggest me some good health insurance i am a student working part time for only 10k per month

[@wilsonsudhakarbhaskarugarg2987]

Please advicee, the best health insurance company in which all the points you raised are covered.

[@ruminmusic]

It is imperative to read the fine print of every insurance document you pay premium for.

[@peacebro7913]

😂my exact thought...

[@nanaban4you]

Thank you Boss. Great Eye opener. But I have one existing insurance. How do I verify and Can I switch to another company?

[@DIPSJOURNEY]

I am a victim too, till today I am fighting for my money.

[@chaksh]

I do self insurance. Save the premium. Invest it dedicated way. All of us will fall sick sometimes. So health insurance is not about probability unlike earthquake insurance. When you pay cash in hospital you can negotiate treatment rates. You can walk out as soon as your treatment is over. Not running to insurance desk and waiting for clearance at hospital.

[@GabrielFelix-g5w]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly

[@ericmax978]

This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this, are you a pro investor?

[@JennyMaxwell-r1y]

Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields

[@GabrielFelix-g5w]

Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $508k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choi

[@SophiaMichael-ww4qd]

that's impressive!, I could really use the expertise of this advisors , my portfolio has been down bad....who’s your financial advisor or coach, do you mind hooking me up?

[@Brigh578]

I've actually been thinking of reaching a portfolio-adviser, my 401k and stocks been losing everything it's gained since 2019, mind if I looked-up this one coach you use?

[@fathburr]

Billing depends on the ward. General ward rates are generally concessional rates. If a person opts for luxuries like a semiprivate ward, private ward deluxe ward, super delux ward depending on the luxuries like fridge, bigger size of room, AC, kitchen etc your charges proportionally increase.

[@harshith2980]

Thank you Sir for enlightening us. Most of the insurance policies are fake and worthless. Instead of insurance, people can save money in fixed deposits or Recurring deposits in banks or in the form of gold which is useful.

[@prashantd1203]

Agree.. invest in FD or SIP as if medical policy.. As years passed, saved sum will grow.. can be used for medical emergencies for whole family..👍👍

[@rakeshchittodiya]

Sir aap hi baata de......kis company ki medical policy li jaye

[@prashantd1203]

Instead of buying health insurance policy, invest in FD or SIP as if medical policy.. As years passed, saved sum will grow.. can be used for medical emergencies for whole family..👍👍

[@CS-dx1fx]

Fatal advice

[@shashankr5180]

LOL What would you do if suddenly you met with an accident or were diagnosed with a critical illness out of the blue? Wait for a few years for the FD to mature or SIP to give a decent return? Crazy!

[@CS-dx1fx]

@@shashankr5180 moye moye.

[@viadik0328]

Lol, u can break ur fd any time with minor penalty ​@@shashankr5180

[@viadik0328]

Exactly , if u FD 15 lakh at a time then there is no need of Insurance....if u don't get any kind of disease in 10 yrs then u can also use that FDs interest in ur life and still u have ur 15 lakh in fd 😂

[@babuphilipose6259]

What if the authorisation to proceed with is not given to the hospital, how to overcome it despite the insured persons's phones calls and emails???

[@naidubabuj]

Hi Rahul, some points to note While calculating you have not multiplied the room rent, ICU and doctor visits by the number of days. The waiting periods are to discourage people from taking the insurance after they are diagnosed with a disease. Honestly I didn't expect this misguided info from you. Please understand the future premium rates are based on the previous settlements. So if you don't have the waiting periods, those people who have financial discipline and taking policies from long, will have to pay higher premiums. So influencers like you should encourage the discipline instead of saying that these waiting periods are like scams. In your calculations also you have intentionally not calculated based on the number of days. You should have done this whole thing in a positive tone instead of the negative approach. These suggestions are only for the betterment of the channel.

[@shuvamghosh81]

Are you from the medical insurance fraternity??

[@srinivasaiahkgf507]

Thank you.Very good insight but how to come out of the problem by a common man. As suggested by one of the commenter, PIL to be raised in SC bench requesting to takeout the limits and also private hospitals cap on surgery charges for different diseases.

[@MrPharu500]

The ethics of the Indian medical profession are shocking! The association needs a complete shakeup!

[@sachinshiremath9206]

Insurance companies aren’t run by the treating doctors. So, I don’t know why ethics of Indian medical profession when it comes to insurance are shocking.

[@MrPharu500]

@@sachinshiremath9206 I was making a general comment about the IMA. What's so difficult to understand??

[@sasma50]

Dear Rahul, I am a senior citizen and I would like to commend you for enlightening about the matter. Excellent points raised and the checklist is a must before buying any health insurance policy. God bless you. Keep up your good work.

[@teeny2024]

Insurance scam is a capitalist American import. The worst part is govts supporting this scam by making insurance compulsory n giving tax benefits for investing in insurance. Scrap insurance n the govt to stop this scam. Govt is supposed to serve citizens n protect them from these scams not encourage these thieves. JAI BHARAT. ! VANDE MAATARAM !

[@kps2017]

Government itself is unable to provide the basic health facilities, forget emergency services. How they'll save citizens. It's wise to get a cover, otherwise a single mishap could land a middle class to poor class.

[@Nanw23]

Thank Rajeev gandhi Govt in 1984 which privatized medical services and helped in reducjng health budget of the Central as well as State govts ! Since then Govt is washing-off its hands from health education as well as health services which benefitting private institutes & Insurance companies 😂😂!!!

[@teeny2024]

@@Nanw23 Sab mili bhagat. Ek shuru karleta hain , dusra aagein lekar chalta hain. Ditto Adhaar , Pan, GST, DMat, started by one, continued by the other bcoz all stand to gain looting janta. They just make a noise to fool janta HAPPY HOLI !

[@Bijay.Kumar.Behera]

even for a person aged 55yrs for 15lac of health coverage the premium cannot be more than 25k, i dont know how you got 40-50k as the premium.

[@sarkhel2009]

Why is the regulatory authority not taking actions?

[@kanageshmeenakshi5209]

Coz they are also involved in this scam or they wouldn't have any complaints received

[@pranavachu2331]

They are an actor to this charade

[@mohan3501]

Because they are also participants in the scam.

[@kishorekusupati2796]

It is informative but it would be good if you could also help in suggesting which existing policies are good to take. Everyone cannot decide with so many confusions in mind. Many are suggesting to invest in Good Mutual funds instead of getting confused with so many gimmicks played by Health insurance companies.

[@AliAkbar-dm4nm]

Shameless Govt is charging 18% GST in insurance premium

[@tailormaldives9725]

And of day,, which is the best insurance??

[@bslsundar]

Pls suggest a insurance company and policy that covers whole family (father , mother,life partner, kids and me).

[@mnaskar6458]

Please let me know whether I can get policy only for my grandson and grand daughter who's age are 7years and 1years. Thanks for your valuable guidance.

[@gomathi01]

What is the percentage increase in the policy cost if wne chose all top options, like no limitation in room rent, no co sharing, all tire cities....

[@globetrekker777]

Insurance amount font size 50 Terms and conditions font size 5.

[@vignesh_m_1995]

Is it better to go with a private or public sector insurer?? Bcoz, I have heard insurers like Star Health are rejecting more claims despite having all kinds of nil room rent sublimits, no copay, etc. (I have purchased Star Comprehensive policy due to wider cashless network coverage)

[@indrajitbaruah6605]

Kindly some health insurance companies that are best for group coverage for 3 member families

[@santhoshdayalan8104]

If you had advised which policy to o far. It would have been more helpful.

[@ashwinkumarsharma7888]

Mera abhi tak Heritage agency mediclaim settlement nahi huva.Mere friend ka other insurance agency ka claim mere baad submit kar k bhi settle hoke amount aa gaya hai. Bahut slow procedure samaz aa raha hai. Baaki update dekhte hai kab settlement hota hai.Write more updates for readers.

[@vinodnag7365]

Can someone help me in finding out the best insurance company which satisfies the below conditions for Elders above 65 year old - Do not have Co - Pay - Do not have Zonal Co pay - No restriction on room rent (No capping) - No Disease Wise Sublimit - Pre and Post Hospitalization Limits - Low waiting period. - Covered for Daycare Treatment

[@a.r.prashanthkumar687]

What should do when a claim for brain tumor rejected due to 2 year waiting period, unable to wait 2 days because patients condition was very serious, please advise any legal remedy

[@brianmouses28]

If it's malignant, there is no waiting period.

[@basheer9098]

Which is the best insurance policy n which company to avoid all the lacunas you discussed in the above video waiting for your response

[@Dr.ArunKumarGS]

Explanation is too good. What's the Outcome? Make a video of different company insurance mention first letters of the company, anyone can understand. Please do this video. Thank you

[@jagadishkrishnarajanagar5113]

Sir, In your total eligible claim amount, you have considered per day amount in the total, In the room rent it will have to be 7 x 5,000 = 35,000 instead of 5,000, ICU charges will have to be 3 x 10,000 = 30,000 instead of 10,000, doctors visit will have to be 14 x 1,500 = 21,000 instead of 1,500. Accordingly, the total claim amount would be 3,41,000 instead of 2,71,500 that you have mentioned. The copay would anyway be applicable on the 3,41,500 as explained by you.

[@blackbored-p3m]

I loved this video, liked and subbed, people dont read fine print i love it, its the fine print and its legal interpretation that saves you when you need your insurance company to hold their end of the deal. If you are well informed you cam drag them to the court and het your money with damages, insurance industry hate a informed customer.

[@surendermahta7690]

I took star health insurance…big scam… local doctor for star health insurance,who passed the bill with huge deductions had to say “look this is public money and he had to distribute it accordingly “this is the case of November 2022 . We got treatment at MAX HOSPITAL MOHALI PUNJAB. Hospital cooperated with us very nicely. The doctor from star health insurance asked me why we had gone to that hospital…

[@preranpjm1]

Recommend insurance policies meeting these criteria....

[@387rohit]

Plz suggest some policies according to u..

[@YouTubeMinion]

Can you please explain sub-limits of niva bupa reassure 2.0 ? It's confusing for many.

[@vinithell]

Can you suggest a good insurance policy for Senior Citizens with all of the above and no waiting period...

[@n.thamizhseran7585]

Unless you take a policy, where will I get the policy details?

[@kitzmawniuh2640]

Thanks boss, I quit health insurance or any insurance except car and bike insurance.

[@space_keeda]

How much is the premium for including all the conditions u said

[@sridharan2290]

Plz suggest which is d bedt health carr policy