Basic questions about Insurance that you were too embarrassed to ask

Having adequate health and life insurance for yourself and your family is the most important financial investment you can make. Most Indians are just one serious incident away from financial ruin. The problem with insurance today is that there's rampant misselling, too much choice, complexity, and, not to mention, annoying spam. This is why we partnered with Ditto ‪@dittoinsurance‬ by ‪@finshotstv‬ to make insurance simple and transparent for Indians.
Over the years, whenever we asked people what aspect of their personal finances they struggled with the most, the common answer was insurance. So we decided to do an Ask Me Anything session with Shrehith Karkera, co-founder of Ditto Insurance. We collected the most common answers from people, and in this video, Shrehith answers them in detail.
With Ditto, you can get advice on insurance based on your needs without any misselling or spam. Visit joinditto.in to book a call with an insurance advisor.
00:00 Introduction
04:48 What is insurance?
05:48 Why do I need insurance?
13:16 Problem with most of the insurance policies
19:55 Term Insurance = Financial replica of yourself
23:11 Term or Health insurance - Which one to buy?
28:07 Tax benefits of insurance
29:18 Buying a Term insurance
37:55 Can I increase my coverage amount?
42:40 Buying a Health insurance
48:14 Is corporate insurance enough?
51:33 Super top-up policy
57:04 How to ensure your claims are not rejected
01:01:00 Insurance for freelancers
01:02:46 Mis-selling
01:13:33 Mixing insurance and investments
01:26:21 Checklist for buying a policy
01:34:08 Reasons behind claim rejections
01:45:03 Reasonable & Customary clause
01:49:09 Zero-cost term insurance?
01:51:19 Is diabetes covered?
01:54:57 Is mental health covered?
01:56:32 Are maternity costs covered?
01:59:28 Can I buy insurance after a serious condition?
02:01:37 Can smokers get insurance?
02:05:04 Key takeaways

[@zakirpatel9508]

Very informative video on health and term insurance...

[@akanshajain6020]

very informative, thanks for the video

[@vivekteega]

Thank you so much for this

[@tarunbhatt5003]

Thanks for the video

[@sabdulkhaleelullah3341]

Hi , what I understand from Ditto that term insurance only for earning person, yet to get a job or studying, not possible to take term insurance, please guide.

[@shaileshsalve5625]

What kind of cause of death are eligible for death cover in term insurance

[@swarup01]

If you can make some contents for Indian living abroad please

[@ansumanpattanaik8224]

People today dont realize the importance of an insurance until they are hospitalized. Term and Health insurance are two most important things in life which are as much as important like job, career and family.

[@Hariharan-sn8dw]

so you have to make money in name of insurance nice concept

[@insanityiloveit5035]

Zerodha guy ain't adding any value and disrupting the flow of ditto guy's thoughts