Відео

Hi Shrehith what best claim amount out of 1.2lakh what I mean after deductions of consumables and as you told in one insurance company they have deducted 50000

2:12 How to compare a general insurance company like HDFC Ergo / ICICI Lombard with a standalone insurer like Star, Care or Niva Bupa as the general insurance companies has other insurance products as well. For example (I did a small analysis. Please correct me if I am wrong), HDFC Ergo has a compaint volume of around 6% (ICICI Lombard - 8%) where as its 30-40% for Care or Niva Bupa. But we can't read that 6% as such as a really good one as HDFC Ergo has other policies like Motor, Fire, etc. So I tried to find out what is the total volume of the health insurance within HDFC Ergo against the total premiums they collect (Gross Written Premium). I can read from their annual report they have around 30-35% of health insurance. Now coming to their complaint volume. Assuming (worst case), the entire 6% of the complaints coming in this 30-35% of the health insurance share they have, 3 times 6% (calculating only for their health insurance) would be 18% which is still way less than the complaint volumes of Niva Bupa & Care. The numbers may change in future. But is the right way to compare a general insurer & a standalone health insurer??

1:17 How to compare a general insurance company like HDFC Ergo with a standalone insurer like Star, Care or Niva Bupa as the general insurance companies has other insurance products as well. For example (I did a small analysis. Please correct me if I am wrong), HDFC Ergo has a compaint volume of around 6% where as its 30-40% for Care or Niva Bupa. But we can't read that 6% as such as a really good one as HDFC Ergo has other policies like Motor, Fire, etc. So I tried to find out what is the total volume of the health insurance within HDFC Ergo against the total premiums they collect (Gross Written Premium). I can read from their annual report they have around 30-35% of health insurance. Now coming to their complaint volume. Assuming (worst case), the entire 6% of the complaints coming in this 30-35% of the health insurance share they have, 3 times 6% (calculating only for their health insurance) would be 18% which is still way less than the complaint volumes of Niva Bupa & Care. The numbers may change in future. But is the right way to compare a general insurer & a standalone health insurer??

How to compare a general insurance company like HDFC Ergo with a standalone insurer like Star, Care or Niva Bupa as the general insurance companies has other insurance products as well. For example (I did a small analysis. Please correct me if I am wrong), HDFC Ergo has a compaint volume of around 6% where as its 30-40% for Care or Niva Bupa. But we can't read that 6% as such as a really good one as HDFC Ergo has other policies like Motor, Fire, etc. So I tried to find out what is the total volume of the health insurance within HDFC Ergo against the total premiums they collect (Gross Written Premium). I can read from their annual report they have around 30-35% of health insurance. Now coming to their complaint volume. Assuming (worst case), the entire 6% of the complaints coming in this 30-35% of the health insurance share they have, 3 times 6% (calculating only for their health insurance) would be 18% which is still way less than the complaint volumes of Niva Bupa & Care. The numbers may change in future. But is the right way to compare a general insurer & a standalone health insurer??

Paid to demean every product other than HDFC Ergo Optima Secure and Care Supreme!

Very poor way of conducting interviews with the experts. This is a common feature of most ditto interviews. The interviewer keeps constantly interrupting and giving his views. Why not take the guest seat and make it a monologue.

Ye Interviewer DEDHSHANA hai, Please avoid such Oversmart People. Great content but Frustrated to see Expert being interrupted and this Interviewer Breaking the Flow.

Insurence is scam,, only given for healthy person.. as you become old premium is too much you can accumulate amount and use as and when reward

Let the guest speak, irritating when the host not just interrupts but actually disrupts😢

Please change the interviewer/host..he spoiled the entire interview with his frequent interpretations.

Dear ditto one advise either give time to finish the person or ask host to take guest seat. I have seen in almost all video host try to be a guest. So in that case dont invite another person.

Interviewer is actually expert....he knows everything 😂😂😂

How to compare a general insurance company like HDFC Ergo with a standalone insurer like Star, Care or Niva Bupa as the general insurance companies has other insurance products as well. For example (I did a small analysis. Please correct me if I am wrong), HDFC Ergo has a compaint volume of around 6% where as its 30-40% for Care or Niva Bupa. But we can't read that 6% as such as a really good one as HDFC Ergo has other policies like Motor, Fire, etc. So I tried to find out what is the total volume of the health insurance within HDFC Ergo against the total premiums they collect (Gross Written Premium). I can read from their annual report they have around 30-35% of health insurance. Now coming to their complaint volume. Assuming (worst case), the entire 6% of the complaints coming in this 30-35% of the health insurance share they have, 3 times 6% (calculating only for their health insurance) would be 18% which is still way less than the complaint volumes of Niva Bupa & Care. The numbers may change in future. But is the right way to compare a general insurer & a standalone health insurer??

how to compare a general insurance company like HDFC Ergo with a standalone insurer like Star, Care or Niva Bupa as the general insurance companies has other insurance products as well. For example (I did a small analysis. Please correct me if I am wrong), HDFC Ergo has a compaint volume of around 6% where as its 30-40% for Care or Niva Bupa. But we can't read that 6% as such as a really good one as HDFC Ergo has other policies like Motor, Fire, etc. So I tried to find out what is the total volume of the health insurance within HDFC Ergo against the total premiums they collect (Gross Written Premium). I can read from their annual report they have around 30-35% of health insurance. Now coming to their complaint volume. Assuming (worst case), the entire 6% of the complaints coming in this 30-35% of the health insurance share they have, 3 times 6% (calculating only for their health insurance) would be 18% which is still way less than the complaint volumes of Niva Bupa & Care. The numbers may change in future. But is the right way to compare a general insurer & a standalone health insurer??

Does Ditto operate in Chennai? If so, please provide the address the phone number.

Is this coming under the cashless everywhere scheme??

6:20 for this to happen, the NHCX should know that particular hospital's format as well to map it to their generic format right? Do they provide hospitals an option with registering their format??

Very well explained, Supreeth. Looking forward to more such videos.

Please let the expert speak. Interviewer is too intrusive and disrupting the flow. However great content as always.

Thanks for simplifying it with such clarity, Supreeth !

Very informative

Looking forward to many such videos!

Great job supreeth and ditto team

Very well explained, great job, Supreeth!

Insightful!

Insightful!

This is really helpful! Thanks Supreeth :)

Hey we want indepth review video about manipal Cigna lifetime health insurance policy

Sahi jankari diya aapne

the IRDAI official notice says moratorium still applicable in case of PORTING...."The accrued credits gained under the ported and migrated policies shall be counted for the purpose of calculating the Moratorium period."...pls confirm

Thank you very much for your illustration.

Ok, I found the Annual Income Limit explanation as under: Income Restriction: The low premium comes with an income limit. If your family income exceeds ₹40,000 annually, the premium increases (although it remains competitive compared to other plans).

I have bought Niva Should i cancel it And buy something else

This Policy has restrictions on Annual Income of the Person to be eligible. I am not sure but they were referring to an Annual Income of less than Rs 60,000 or Rs 90,000 to be eligible for this ADITI Insurance Scheme. Ocourse if the Pilot Project in Mysuru and Bengaluru clicks, then they will come out with different Annual Premium Products to cater to the Higher Income and Affluent Categories.

Will they provide this policy for PED - Hypertension & pre-diabetic??? with waiting is fine? But will they issue??

Please review Star Comprehensive Health Insurance & talk about claim experiences in it.

See, there are many Supreme court, NCDRC and other state CDRC's judgements and rulings that fees cannot be fixed by any authority. So, in cases like you said, the complainant can go under the Consumer Protection Act to the concerned consumer district redressal commission.

While declaring PEDs should we also declare pregency (normal delivery) and Gestational BP during pregnancy (& recovered later). Should we also declare the newborn jaundice (which is quite common among babies) in PEDs????

For PED (diabetes, BP & Cholestrol) in HDFC Ergo Optima Secure & Restore, 1. Will they be denying the policy altogether.? 2. Or will they issue the policy & make it a permanent exclusion for these PEDs?? 3. Or will they just add it to the pre-existing waiting period & provide the policy.??? If we need to buy HDFC Ergo for the hassle free claim settlement, which of these 3 scenarios would have more probability of happening. Will they deny or permanently exclude those PEDs or just add to waiting period???

This is a true review of the acko insurance...others are just paid promotion....even famous youtube channel are sold out to acko and selling shit insurance to audience

Can I get an appointment

Plse avoid HDFC, icici and BAJAJ products they clubbed the products along with hidden cheating

HDFC ♥️😘

Pls get updated before presenting.

Very Informative Episode ! and as always Sushant is very clear about Term Insurance advocacy.

stop saying "correct correct" ... let the speaker speak

Sir, kal hi insurance liya tha, aaj gadi se gir gaya hand fracture ho gaya, claim kr skta hu?

Clearly explained. Thank you ditto

Avoid paying health insurance premium to policies which restrict pre existing diseases and there is moratorium period.

Need a detailed video please