This Tiny Mistake Can Get Your CLAIM REJECTED | How Can You Fix It? | Ditto Customer Story
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- Опубліковано 23 кві 2024
- In this video, Shrehith discusses a unique case- how 2 alphabets in the doctor's prescription caused a health insurance company to reject a valid claim- the chaos that followed- along with how Ditto Insurance’s claim experts intervened & got the case in the favour of the customer.
Ditto claim support department support is amazing Shashwat Tanvi are best guys
Thank you so much :) We will let Shashwat and Tanvi know that you are pleased with their support
Also akshat bhatia
Glad to know that you went to such lengths to help the customer.
It’s only our job as an intermediary. Otherwise what good are we for :)
Very insightful.
Thanks :)
We can go to consumer court to prove that we have not taken a consultation from the doctor regarding disease, we have only a report of it. The company is asking for a doctor's letter but we are not taking treatment from any doctor.
Insightful ✨️
Thanks :)
Insightful 🚀
Thank you :)
Unless you name them, you are knowingly jeopardising other customers as well
As Rightfully said, never trust the insurance companies wholeheartedly. While having an insurance is good, always have a medical emergency fund
There should be IRDAI interference for very policy approval be it from any company.... Because they can take ultimate decision in this case as they have capacity to regulate any Insurer...
But why ditto did not want to pitch in IRDAI for that long??
It was a cashless network hospital by a Insurer and how he can come and say that doctor and insured party were conspired to fraud Insurer.... Did it really happen??
Which company he is talking in this video?
Even my claim was rejected with Niva Bupa
Insurers became too smart to cheat customers, always find a loop hole to reject
In my case they created a fake documents with a un exisisted hospital name and cheated
In one of your video kavya spoken about Niva Bupa (indirectly) how companies always find loop hole and bluff
When it comes to Niva Bupa guys don't fo for it, their service and their response was worst
Service and communication is also important as important as policy and it's features
Jaago grahak jaago 🤯🙏
Niva Bupa has a shitty cuatomer service.They took 3 months to resolve an issue.Finally,i had to go for cancellation of policy.
If a person takes insurance for 3 years and after one year if he needed to port to some other companies, shall he get the remaining 2 years of money refunded????
Does the insurance ( ex: HDFC ERGO OPTIMA Secure) can reject a claim after 3 years or 4 years ( waiting period ) on any kind of future unseen scenarioes ?
My claim also rejected as my wife admit in emergency with caviar pain in lower abdomen, but all reports are good no problem find out and Dr said it's a minor UTI and musel cram but she need to Hospitalised still my claim rejected.Is it justified
Which company are you talking about?
I assume it's HDFC because Ditto matlab HDFc
Go to consumer court, it will be approved for sure
Why IRDAI has no customer grievance reports from 2020 onwards and you guys have all the data of volume of complaints after those years?
Hey
You can find this in public disclosures made by companies on a quarterly basis. You’ll have to visit the insurance website to source this information!
bro what are the odds same exact situation for me, that to naryana nethrayalaya
That’s really insane 😮
can you name which insurance company you dealt with? i had a similar issue with Niva Bupa when i wanted add PED post issuance of Insurance .They asked for first consultation report which would be of 6 years old
It must be STAR ❗
There is a large waiting to talk to your SALES TEAM.
Don't worry ,,, ditto have 300 members in their customer care team and each n every person have some slots booked 3 days before only . So you have to wait for that .
Hey
We are very sorry about this. We have a waiting period because it takes a while for us to train new advisors and we haven’t been able to add as many advisors as we would have liked. We promise to fix this in the coming days
I have a policy bought with policy bazaar, it will be over by December.. i don't want to continue with policy bazaar, what are the options for me, i need ditto on my back
Hey! Please reach out to us for more details. Book a call- bit.ly/4787WoW
Hello team ditto , may I know what is that insurance company name ?
Hey
Sorry about this.
But as we stated in the video, we cannot disclose the name of the insurer due to legal implications. However hopefully the takeaway here is that this could happen with any insurer and you know how to navigate such situations :)
What Legal Implications are there to reveal the name? There is no legal implications only buisness implications for Ditto
I bet the insurance company in this case is Star Health.
I guess ditto doesnt provide the option for Star Health these days...if it is family floater it would be HDFC ERGO optima secure or CARE Supreme
@@iamrajatjain because ditoo working for HDFC 😂
I already have health insurance. Can I change my agent to ditto
Currently we don’t support switching. However we have been asking the founders to figure this out! Hopefully it happens soon
@@dittoinsurance How about we renew the insurance through ditto once the current one expires?
I dont understand which policy says its okay for claim other than accidents with just 30days waiting period
Which insurer it was ? Bupa or care ?
It must be STAR ❗
I feel this can be Niva Bupa...
@@Andromeda_123 Maybe, but STAR IS THE WORST never even think of buying it.
@@sns9840 yeah I know... Personally my family had both Star Assure plan and Niva Bupa Reassure 2.0 plan... Had a horrible experience with Niva Bupa .. what is the use of so many features if u r not able to make a claim ultimately... but now I have shifted to Optima secure for the last 6 months ... U need to have a good agent at your back to help u out in those critical times...
Ditto carriers are not that good i tried to apply job on April 24 and still haven't gotten any reply from them constantly I'm asking for an update also they told me within 2 weeks but even 1 round didn't take place. I have high hopes for ditto but I didn't expect from them
You mean career ?
@@randomstuffsofdayandnight yes
I want to Purchase Health insurance for My Mother. How Can I contact You ?
Hi Amanpreet,
To get in touch with our expert advisors, please head to joinditto.in/ and book a spam-free, free-of-cost call with any of our advisors :)
It's niva bhupa
Hey
As we stated in the video, we cannot disclose the name of the insurer due to legal implications. However hopefully the takeaway here is that this could happen with any insurer and you know how to navigate such situations :)
what is ditto
Hi!
Ditto is an Insurance Advisory platform where you can talk to advisors without the worries of being spammed or mis-sold. With our free consultation, no-spam policy, and honest insurance advice, one can talk to experts who care.
To know more or speak to our experts, head to the link in description :)
See how naggingly he supports insurance company
This is how ditto works
Hey Thejesh
We don’t support the insurance company at all. Any spurious rejection is a blemish on the insurer and it is our job as an intermediary to make sure our customers receive their dues. You are free to choose any insurer/intermediary you like. But hopefully this video gives you and idea of how to navigate similar situations :)
Obviously they have some interest in business growth but I have not found any evidence that they are biased towards insurance company
Once I booked a slot. The agent called from your side doesn't know Hindi.
She rescheduled my slot to a Hindi knowing agent but he didn't call me till now. Don't you have a Hindi knowing agent or you think a customer who doesn't know English well cant buy a health insurance policy with you
I booked my call and specifically asked for a regional language speaking advisor.. and they got it on point. Faced 0 issues 🤷🏻♂️
Hey Aryan
This shouldn’t have happened. Can you please send your email and phone number to hotline@joinditto.in
We will have this sorted ASAP
It seems this claim was settled on the grounds of business, not on ethical grounds. If the client were genuine, he or she would not apply in just the first month of the policy, which means he or she bought the policy for the claim.
Second, why had our team not initially educated themselves about the T&C while discussing the policy instead of features.?
Such claims should not be settled and highlighted by you to encourage such people who look at insurance as an opportunity and later create burdens of premium enhancement for genuine people.
Please avoid such promotional practices.
You are doing good work, so please don’t promote such practices but instead talk about transparency. 🙏🙏
Looking forward positively
Hello, Claiming in first month does not make any customer NOT being genuine. It may be the customer might have forgotten or not aware of the same. There might be reason why they took the case ahead despite knowing it was within a month. You, casting a shortsighted and sinister intent on a customer is completely wrong as you do not know the complete details. It tells how fast you make a decision on customer without asking relevant questions or reasons. Remember that people tend to forget the T&C or do not read Policy wording, which is wrong. The agents should definitely taking them through whole document after features explanation. Note: Insurer too has many ways to reject which you cannot think, even if you read 100 times the policy wordings. There are teams sitting to reject the claim. You can get this by seeing ICR of govt and private insurers. Hence comes the experience of agents( FOR PROFIT). Some agents do not tell anything about policy wordings too until triggered by customer. I am not from DITTO but a plain customer who has got or is looking comprehensive health insurance. You decisive statement on genuineness of customer is the one which I object too. In any industry there might be very very less people who take service with a fraudulent intent but there are many many companies or agents or service providers who deceive much more then customers.
@@SivaEpic
We have practice to mention complete details stating from birth till date of filling proposal and educating customer about important T&C like (permanent exclusions, limitations, policy cancellation clause, product modification clause, product withdrawal clause,etc).
No Company reject genuine claims. The problem with people who belongs to the industry focus more about sales instead of transparency.
@@SivaEpicand it @@SivaEpic💡
Rest my deep apologies for those who hurt with my statement. God bless everyone wisely🙏✨
@@SivaEpic Good morning! Dear✨🌻
Your valuable input is highly appreciated.✨
My dear, having been in this industry for 12 years, I have had little exposure to such sensitive issues. For your kind information, these illnesses are called slow-growing illnesses in nature. If it was a case of sudden illness, I would be strongly committed to supporting the customer. But whereas in such a case where it’s clearly a slow-growing illness and exactly after 30 days of waiting straightly went for treatment, I would like to strongly discourage such practices.✅
We believe insurance is for genuine people, and in the last 12 years, only 10 claims of ours were rejected for being not genuine, and we settled 15,000+ health insurance claims.💡
Insurance claims paid by any company from the pool of premium collected, which is hard-earned money for any individual, should not be available for such practices.
It’s my personal opinion, and I have the right to speak. What is wrong should be called wrong, and whatever is right should be called right.💡
My deepest apologies for those who hurt with my statement and lesson for those valuable clients who want to learn from such incidents and want to avoid such hurdles in there journey of tuff hours of hospitalisation and claim settlement.
Hope you will follow the intention.
Best Wishes! To Ditto who is doing good work to educate people about the importance of Health and Term insurance.
Wishing! forward positively for every individual to have smooth and genuine solutions so no one will face such sensitive issues and have great financial support during most crucial hours.
Profound Regards
Mahajan Dhiraj
No insurance company does this far explanation of insurance nuisances and cases
Thank you for your kind words :)
So much disappointed
Hey
We apologise for this. But could you please let us know why you’re disappointed??
@@dittoinsurance Your wait time is too long, there is no directly customer team of Ditto, we have wait for long time for connecting with your sales team
Never trust HDFC ERGO
Why?
Why??
Why?
Why?
I recently got it, what happened?