De-influencing Health Insurance

Think health insurance with a low premium is best for you? Do you get mesmerized (and confused) by different features of the policies?
Having health insurance is important for everyone and finding the right insurance is even more essential. This video explains everything that you need to know before buying health insurance and how you can save yourself from scams!
00:00 Let's begin
01:08 Health insurance tricks
01:36 Trick 1: Low premium & low waiting period
03:49 Trick 2: OPD & Maternity plans
05:37 Trick 3: Company Insurance
07:32 Trick 4: Unlimited restoration & no claim bonus
08:55 Trick 5: Buy insurance from low-premium zones
10:22 Checklist for choosing the right health insurance
Learn more about Ditto Insurance here - bit.ly/4aJcS6g
#lifeinsurance #ditto #insurance

[@monishk351]

Insurance is more of a business and day by day it's becoming a scam than a business.

[@TheOutlawedCritic]

If you ever end up in court fighting, Most insurance companies usually have the judges on payroll. They will settle the case for very less amount. Happened twice to my parents.

[@twistr99]

Sorry to hear that.

[@ramkumarpandey4865]

Which insurance?

[@nikhilkumar-YT]

insurance comapny name please

[@unknownwanderer04]

Bottom line Every insurance company wants you to pay premium But they won't want to sanction claims This is harsh reality

[@dandpaty]

i have eatched 100s of health insurance video. Never seen such clearity in every aspect of insurance.

its not De-influencing, its influencing to buy insurance from ditto backed up by Zerodha.

[@saurabhjha8733]

Is it bad?

[@whatever1538]

No, it is'nt they never mentioned the name and If that platform has the upsides mentioned in the video, it would'nt have been wrong even if they would've marketed it

[@jana.anubhav]

So?

[@dm5665]

Ditto is very good.

[@MAYANKKUMAR-pk3qo]

Yes, you are right. The video was jumping from one point to other without validating reason on any points.

[@VineethShankarMaller]

I think you need more episodes on the same topic, but where each succeeding episode gets more technical. Also, a real life comparison of a few best offers would also help. I had done a ton of research on health insurance and it was a pain. Takes a lot of time. Also insurance advisors are not a good option as they have conflict of interest. Most of them get some kind of kickbacks from insurance companies and they "advice" you to take offers which pays out the maximum commission to them.

[@i_sarathchandra]

Good presentation. But top-up policies are missed in this video. I'd be happy to learn more about top-up policies and how they work. Hoping a video on it soon.

[@Zero1byZerodha]

Hi, thanks for your heads-up on the top-up policies 👍We will certainly consider your suggestion as we create more content. Keep an eye out there!

[@qriousitybug]

Have watched your videos from the beginning and loved 'em all! But this video made me more confused and intimidated about the process of getting an insurance policy.

[@Zero1byZerodha]

Fair enough Neezar, have noted your feedback. See you in the next episode :)

[@rakesh_vv]

​@@Zero1byZerodhaPlease make a version with a bit more clarity on how to opt one before 31st of March 😄

[@albinantony4998]

New age insurance companies customer service is pathetic. No physical office to go to incase anything get's messed up. They only have online presence. I can directly go to any old age insurance companies nearby and make a scene if something goes wrong with my claim which is not possible with ditto

[@businessanalysishub4003]

Extremely useful and loved presentation style too… thank you so so much 🙏🏻😌

[@joereadsx1]

How to check Claim Settlement Ratio genuinely from IRDAI? Now before you ask to check IRDAI Annual report, please note that IRDAI has skipped critical details like Claim Settlement Ratio & Amount Settlement Ratio, from their latest Dec 2023 report.

[@shinelagoon]

Looks like IRDA will forget to wear pants someday.....it doesn't make sense. How come they not published company wise critical data??

[@smarteveryday1606]

very effective industry loopholes exposing

[@naimafathima5016]

Really hard to take home points actually because the tricks you are presenting are really very appealing with the way you present contrary to the crux of the video. Check list is ok but should include what not to do i e your tricks .

[@sunilagrawal1844]

Plans of which health companies are sold and serviced by ditto?

[@jaithakur31]

Great video and great editing ❤

[@Dushyantgiri]

My question aee covered here , but still need professionla heelp in deciding ...

[@bishalkumarshaw1]

I really liked your presentation quality

[@sarathchandrarepaka9595]

I found this video a bit confusing as prateek was contradicting at the end of every point 😂😢 However everything made sense at the end ❤❤

[@Zero1byZerodha]

Glad you found it useful ❤️

[@saarthakvashishth4922]

Hey, thanks for all these videos, they are quite helpful. Can you also please make one on investing in direct mutual funds vs investing in mutual funds via family uncle/papa's friend

[@Zero1byZerodha]

Hey Saarthak, we're glad that you found this video helpful. We'll certainly consider your suggestion while we plan for our upcoming videos. Keep an eye out! 😇

[@AIutopiacw]

Pahle mujhe bhi scam...lagta tha..but practically mila paisa aur faida raha

[@BusyBee-lm7xp]

What policy did you buy? Can you share some details?

[@AIutopiacw]

@@BusyBee-lm7xp HDFC ergo

[@rajarampatel601]

Insurance wale bhaiya real id se aao

[@nishchaypallav]

​@@rajarampatel601😂😂😂

[@nishchaypallav]

​@@rajarampatel601Commission wale paise ki baat kar rhe wo 😂😂

[@gelaxyelectronic8035]

Konsa better hoga standerd one health insurance or General health insurance

[@vikalpmishra7776]

Great and very entertaining way of making common citizens aware on range of topics. I congratulate and thank the whole team for high production value and great content both. 🎉😊

[@Zero1byZerodha]

Thank you Vikal for the love

[@vinuvaishnav7759]

Also Indian buy health insurance when they are diagnosed of any illness hide there illness which not fair to good risk in premium pool , also hospital inflate bill when customer have insurance. (Hospital will have 2 tariff one for cash other for insurance) .Premium is increased because of claim loss if pool will have all bad risk then there will increase in premium definitely.

[@DocSanket]

Active one plan is asking more money from me even after paying their default business on the name cmp i.e chronic medical care

[@Om.Dandale]

Most awaited video... Prateek and team is the genz content creator. I already know about ditto, they are really great and knowledgeable in the field of insurance.... Waiting for more detailed video about health insurance and some 2-3 top insurers

[@Zero1byZerodha]

Hey Om, thanks for the love, our team works really hard and these words of appreciation go really far ❤️

[@imvarunarya]

How do Insurance companies know or calculate that I have kept hidden some fact (say BP) in the past in case I don't declare while taking insurance policy? There can be a possibility that today I have no BP but later it develops then?

[@MURajD-m7u]

Need Assist : I'm an employee at an MNC and we have a company health insurance plan (2 lakhs). However, I want to take an additional policy from outside. Recently, my mom was diagnosed with breast cancer. When filling out the form, do I need to mention that someone in my family has cancer?

[@sachindrad1870]

Can you tell me how is Reliance Infinity health plan?

[@shivajimaharaj-namastesada4682]

I work for Central Government and they provide Central Government Health Scheme (CGHS) which is by far the top in the nation. Can you please make a detailed video comparing this to private health schemes?

[@ajinkyaraj]

I also have CGHS , also i have a HDFC ergo health insurance for my family. As CGHS is just basic and may not cover all your needs

[@nrsivaraman]

Very informative one.. keep up guys...

[@worthwatching4924]

#Zerodha team always put an effort to educate masses. Thanks.

[@srinathv7280]

Instead of simplifying the topic its tooo tooo complicated and unable to make decision whether we need to take health insurance or not.

[@user-ry8gb6ou9t]

After watching this I can say i am in good hands Port my policy from star to manipal cigna this year. All issues u discussed are covered

[@vishnuwho]

Great work !

[@ursbestfriend]

Excellent Contents. Awesome Presentation. Zerodha lifting the benchmark in all segments where they come.

[@Zero1byZerodha]

Thank you ❤️

[@saini662]

it should be insurance company’s duty to do entire check up on customer and give him clean chit so that their claim should not get rejected

[@Dinesh-bd8bt]

Which health insurance policy should I choose for myself, wife & 1 child with a sum assured of 50/75L? Looking for insurance with an optional deductible.Now I have 2L corporate ins.So after sometime, I plan to optout & willing to pay the full premium

[@SHAMIKII]

Consult ditto

[@anirbansarkar7391]

HDFC ERGO

[@bretlee14]

These health insurance companies increase premium for senior citizens during renewal, even if they don't claim. How do you address that? Is it normal if individual who cross age 65, 70 or 75 the premium almost doubles? Which raises the question how can people afford... What are your views?

[@ritammukherjee3272]

Yes it's normal because with age the probability of diseases rises and so the company charges more. Talking about the affordability this should be handled by the govt not by private companies bc they are in this game not for public welfare but for business and from business pov what they do does make sense but from humanitarian pov you're correct

[@shinelagoon]

Here you go:- open one account with any PSU bank like Canara, buy a group health insurance from them, if possible buy a family floater to cover all under one umbrella. preferably from any of the 4 PSU like New India, these are undoubtly good. Now buy a super top up on your base policy. Your parents got safely and adequately covered at cheapest rates. Flip side is that these policies are not portable but it works ditto like any other private policy with no hassles at all.

[@divyanshusharma7055]

Hey. Thanks for the all the information. I wanted to ask. My father have hypertension issue from past 10 years. He's taking medication on daily basis and it is quite controlled. I'm going to buy a health insurance soon. So do i need to tell this to the insurer?

[@rakesh8809]

yes you do my freind

[@imvarunarya]

How do they know or calculate that I have kept hidden that fact in the past? There can be a possibility that today I have no BP but later it develops then?

[@adhirajnipanikar5667]

Editing and bg music 👌👌👌

[@Zero1byZerodha]

Thank you. Cheers to our awesome team! :)

[@vageeshajm990]

Apart from your employer Insurance, its always good to have your own health insurance.

[@vspraneeth1990]

Most of them saying HDFC ERGO is most reliable and they r boasting that ICR is better than other insurers. Is it true?

[@dm5665]

Yes

[@saurabh7794]

What about hdfc ergo optima secure?

[@nazmakhan462]

Someone people answer this

[@sujayshetty1618]

Oh Mangaluru (Kudla) guy❤

[@jungletraderbee]

Prateek bhai! Now I understand why the algorithm is demoting these videos, they will be out of business! 🙂

[@ankitparate7295]

Sir 10 day MBBS shuru karo na, medical cost bohot increase ho gaya hai😢

[@TheLearner048]

😂

[@shrinivasmanjithaya2112]

Better stay healthy than reading all the clauses of insurance..😂

[@Zero1byZerodha]

Absolutely, staying healthy is always the best policy! But a quick glance at insurance clauses can help you in unexpected situations. It's all about balancing good health with being prepared. 😊

[@MandeepSingh-ic7ir]

Little confused tried but unable to understand this video

[@Prithivijay]

Nice content ❤

[@ktaakash]

insightful

[@vemajik5127]

The animations through out the video are both interesting & at times distracting. Great job by the creator, but director sir should rethink on limiting the number of animations.

[@SHAMIKII]

PRATEEK you are the MAN! More videos!

[@Zero1byZerodha]

More to come! Thanks for the love ❤️

[@SHAMIKII]

@@Zero1byZerodha Perhaps Crypto sometime. "I made 100% within the last year, what did you make?"

[@codedusting]

Niva bupa increased premium for parents by 21k last year 😂 because one member went from 60 to 61 year old.

[@avulakeerthisagar619]

Car episode. Waiting.

[@subrahmanyar8076]

Now it's cashless everywhere

[@maybepranav]

Prateek is the metaphorical Abhishek of this video hahaha

[@vishaln4983]

Where to find claim settlement ratio? Not finding on IRDA website. Only option is to view on insurance's wbesite? You guys said would be mentioned in description

[@Zero1byZerodha]

Hey, you can check the claim settlement ratios in IRDAI's annual reports. Here is the link to the latest annual report - irdai.gov.in/document-detail?documentId=4273788

[@vishaln4983]

I asked the question because I could not find it in the report, and you guys just linked to it again. The report only contained INCURRED CLAIMS RATIO @@Zero1byZerodha

[@50karanbebale81]

Thank you prathik sir

[@Zero1byZerodha]

🙏

[@brijendrakumar7821]

How much ditto charge for their consultation?

[@shashankvattam5386]

They're free of cost!

[@bondnikunj]

Bhai aaj tk hospital 1 hi baar gya food poisoning k liye 500 rs kharcha hua

[@randomstuffsofdayandnight]

Standalone is best or general health insurer ?

[@santhoshthadishetty]

For health go for optima secure don't fall for features or nature Avoid the worst like acko, star and Niva Bupa

[@santhoshthadishetty]

Ratios matters finally

[@randomstuffsofdayandnight]

@@santhoshthadishetty ok but with my case is, looking for my father and he is serious citizen. So only two options are there care and Aditya Birla activ one. Which one should I go with ?

[@speakes_her_mind]

Finally people won't be shocked that something like "MANGALORE" exists.

[@akshayshetye8718]

health insurance is most fucked up thing i have ever seen.. show me the best and most reliable health insurance and I'm happy to pay 1L premium for my parents

[@ryugaryuga7744]

1:00

[@Zero1byZerodha]

Why don’t you have health insurance yet? Honest answers only

[@aravindrajanm2297]

1. corporate health insurance covers 2. young and healthy as a Stallion ;p 3. Why extra commitment when already so much to spend on ?

[@FrustratedCommoner]

1. 95% of the time,.health insurance companies ask to apply for reimbursement. If I have the total sum, I don't need health insurance. 2. Stay healthy, stay strong, live to the fullest and die taking a cy@n1de pill. I don't want to have +1 liability in my life. 3. I am making the above statements after considering my and my neighbourhood experiences (10+) with Health insurance ponzi business.

[@shre6619]

I mean, everyone thinks that they will win a lottery. Get more benefits from an insurance policy, than the premiums paid, But it is not possible. These insurance companies, are only care about profit, with these TnC, they reject claims for any reasons. Just use, the company provided plan and add insurance premium money to an emergency fund

[@DileepM]

I'M FIT NOW.😂

[@DrAkashraj]

As I understand the purpose of this channel is financial literacy so please stay neutral, please don't promote Ditto here, they are horrible, trusted them because of zerodha's backing but had pretty disappointing experience, much like new age insurers, one should avoid these new age intermediaries too 😌

[@ramkumarpandey4865]

Can you please enlightn us

[@DrAkashraj]

@@ramkumarpandey4865 Most of their advisers don't come from insurance background, don't understand the technicalities of insurance, they just blabber 2-3 plan what they have been asked to sell, there's absolutely no co-ordination between their advisor, their operations team, Insurance company, got the proposal rejected for my parents and wasted over a month, insurance company says they didn't do the formalities in time etc etc, they are only good on social media, I don't think people should trust them for such a serious and complex thing like health insurance or term. If you understand insurance or have the time and capability to do the formalities, buy it directly from the insurer, nothing like that, best price and zero confusion in between. And if you need someone's help, then please buy from an experienced agent, don't try to save on commissions, pay the extra, it would be worth in time of need. Hope it helps!

[@octoderma]

I like the zone, but feel these kind of videos can be more indexed on info and less on entertainment. Will become more comprehensive that way, otherwise post video you are not sure what is the conclusion

[@rider_24]

The only reason health & life insurance does not work on india

[@santhoshthadishetty]

Insurance started as protection but working now as scam, cheat, bluff and giving headache to consumer 🥺

[@anirudhkumar4507]

So.. Taking insurance is bad, yes?

[@Zero1byZerodha]

Hi Anirudh, insurance is key in safeguarding against various risks. Just make sure to pick a reliable insurer.

[@naveenkumar-iu1vo]

He is de influencing influencer

[@ShowvhickNath]

Explanation ka tadika thoda cazual hai

[@khanra17]

Shreenet is speaking like a series man

[@Zero1byZerodha]

What’s a series man?

[@sanketshah9104]

Super 💯

[@Zero1byZerodha]

Thank you🔥

[@paragsancheti8359]

Editing ka baap hai ye channel 😂😂😂

[@Zero1byZerodha]

Yeh toh hai 😬😬

[@krinu]

this may be hypothetical in this modern or so called mechanical world , rather i would invest that in my complete health (food habits, doing what i really love ,etc) than buying a health insurance , and i do nott mean to say this way uncertainities will not strike, but ill do it with utmost comitment and leave the rest to Nature or God ...this is just my way

[@utkarshjha657]

Dekh ke accha laga par jyada samajh nhi aaya 😅

[@parthachoudhury4152]

This video looks quite confusing for a newbie. Saying a point and contradicting it immediately. Better keep a simple format.

[@crazyideas7542]

Don't forget COBRA

[@sourabhbhattacharya3411]

Wow.....

[@line9312]

Shrehith is way better than abishek, please don't include abishek in the video

[@Zero1byZerodha]

Don’t break our heart, we all are one big team and work really hard to bring high quality episodes to you :) - Prateek

[@NeerajRaghavendra]

No one talks about post-hospitalisation expenses.. How fraudulent can you be into influencing us to buy a stupid insurance..

[@sahilchamp]

Why the content language changed to English...???

[@Zero1byZerodha]

We’ve moved completely to English now

[@sahilchamp]

@@Zero1byZerodha that's bad.. Can we still do Hinglish????

[@deadsparrow-dd1tm]

@@sahilchampwhy would hinglish make any sense? To repel non Hindi people?

[@sahilchamp]

​@@deadsparrow-dd1tmSorry dude. That was not my intent

[@kapaleshwarC1]

holy sh*t i saw so many other health insurance videos and non of them ever mentioned anything about the several caveats that come with them. it just goes to show how biased and manipulating today"s day and age has become.

[@akashhamare8293]

method acting

[@arvindynr]

start a SIP to target 10 lakhs. once you achieve this, don't need health insurance.

[@SHIVAMPANDEYSJTG]

I am thinking about same and can save that easily but point is health insurance can pay the premium every year if you need it every year. But our saving is a one time thing right?

[@arvindynr]

@@SHIVAMPANDEYSJTG you forgot compounding every year.

[@renoll]

Wasn't this Zing? Now it's Zero? When did this change?😂

[@Zero1byZerodha]

Yeah it’s now Zero1…taking your money game from 0 to 1

[@MAYANKKUMAR-pk3qo]

Video was too much confusing. Never any point was validated. All the points were made with pointless argument😮

[@bharatvarsha7]

The settlement ratio is also telling half the story. If somebody has hospital bill of Rs10Lakh, and insurance only give Rs1lakh, they will still add it to settlement and increase the number to misled customer

[@jayaganthan1]

Hope this video is not sponsored by ditto 😂

[@Zero1byZerodha]

Nope, we dont accept any sponsorship or advertisements. This is what gives our media company an edge. We build content because we think it’ll help you Jayaganthan :)

[@jayaganthan1]

@@Zero1byZerodha Nice ❤❤

[@shinelagoon]

Dedicated to all parents: open one account with any PSU bank like Canara, buy a group health insurance from them, as a child, you can cover your whole family under one family floater plan (4+2), which is rarely possible. Always prefer buying from any of the 4 PSU like New India, Oriental etc., they are undoubtly best. Now buy a super top up on your base policy. Your entire family including parents got safely and adequately covered at reasonable rates with no exorbitant premium increase. Flip side is that these policies are not portable but it works ditto like any other private policy with no hassles at all. Caveat: you may abuse me calling me a PSU broker, thats fine but cover your parents

[@RKBengaluru]

Very confusing Video . More Noise which is distracting the actual content . Always make a summary of the entire content .

[@jainamshah1049]

I didn't like this debate style of a video. No matter how good this video is, Pratik sounds so dumb. All the points which Pratik makes, that other guy is correcting him every time. Abhishek was better instead.

[@Zero1byZerodha]

Sure, we’ll try a new style next time :) thanks for the feedback

[@sahilchamp]

I agree

[@pradeepsekar5113]

Pls put sponsored content as sponsored . If ur aim is to deinfluence using the same tools influencers use then what’s d point of this channel ?

[@ankursaraf3795]

Hindi please

[@sahilchamp]

The original style was better than this.

[@Zero1byZerodha]

Got it will keep this in mind

[@info-tech2017]

Make in हिन्दी

[@ramyadav6687]

please Hindi me video banaye 🙏

[@deadsparrow-dd1tm]

English is better. Re-subscribing 👍🏼

[@Zero1byZerodha]

Welcome back :)

[@codedusting]

So basically, don't buy health insurance