Biggest Health Insurance Mistakes (2024) | Health Insurance Secrets *REVEALED* | Part 2 |
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- Опубліковано 8 сер 2024
- For any health or term insurance-related advice, talk to Ditto Insurance for FREE- bit.ly/3VhUgov
In this video, Shrehith & Bhanu will discuss the reality of health insurance in India. We will be discussing the most common mistakes people make that lead to health insurance claim rejection & how to avoid them.
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00:00 Teaser
00:51 How Insurance companies decide claim amount
01:47 Health Insurance Claim problems in Specific Illness/Pre-existing conditions
05:22 How to file Health insurance Claim
07:41 What if company rejects health insurance claim
09:09 How to reach out to an Ombudsman
12:13 Health Insurance Claims in cases of Alcohol, Smoking or Substance Abuse
15:21 What happens to your health insurance claim in a blacklisted hospital
16:59 How to find a network hospital?
17:50 Health Insurance Mistakes to avoid
20:10 Role of Insurance Advisory in Health Insurance Claim settlement
Wonderful series on claim rejection. Kindly provide more videos on more and more case of genuine claim rejection by insurers and how did ditto handled their settlement
Hi Team, we need a channel like this to resolve all PF/Pension related issues. Good Job!!
Good and rare information found in this video. thanks for making this video
These videos are of huge help. Big thanks to Ditto for the efforts. Cheers!!
Thank you! 🙌
Great value add podcast and thank you immensely Team Ditto. While you cover Health and Term Insurances, please consider covering sessions on Motor and Travel Insurances as well as these are equally important insurances where insights are required. Thank you
I want to purchase a health insurance plan, but hesitant about genuine claim rejection thought, your videos add value to make decisions.
Thank you so much for your kind words:)
Thanks to UA-cam, such genuine and enlightening content is coming. Ditto is doing very well. Good. 🎉
Thank you!
Kindly do more videos, this channel has been an eye opener
Thank you for supporting! 🙌
Nice video with case details
Thank you so much :)
Hi team, now the government has announced the concept of treatment at any hospital for all health insured person . But why still the concept of network hospitals is discussed??
This video may help:
Truth Behind CASHLESS EVERYWHERE Scheme | 100% cashless treatment ANY hospital
ua-cam.com/video/fuggncqxFvE/v-deo.html
Need more of those claim rejection stories…. Continue this series
We will definitely do more. Thanks for your support
❤
Dear Team, Pls Make a video whether Section 45 of Insurance Act really helpful to the Policy holders. What is your experience
It's on our to do list. We will get to it soon.
However to put it simply even though there are clear guidelines stating that no claim can be called into dispute for suppression of material facts (pre existing conditions etc) after 3 years (in life insurance policies) insurance companies have been known to take the matter to court even though they know they won't win. This can affect nominees. So we normally suggest people to be as honest as possible when filling out the application because the moratorium period may not be your savior all the time.
Please create a video explaining the nuances of plus benefit and guaranteed cumulative bonus from popular insurance companies.
We will do this soon. Thanks for your support
Does insurance company reject cliam if insurer didn't wear helmet or not having driving licence for accident case. Because in India most of the places in rural areas it is quite common not to have licence and wearing helmet then what is the benifit of taking insurance if it doesn't cover
This can happen. However some insurers do not consider this as a major lapse and they do approve claims. But having said that they have legal grounds to deny the claim
I have care supreme direct present I'm in family floater my age is 24. In this policy kids should exit from policy after 25 years. But if i take policy for 3 years can i stay in this family floater policy until 27age?
We don't think you can do this. However we will have to check with the insurer and get back.
I and my spouse have completed 8 years in a comprehensive floater policy. From the middle of 7th year I'm taking pills for BP. Should I declare this in my renewal??
My policy states
1. No PED declared
2. No PED buyback opted
After 8 years you will have completed your moratorium period. So no claim can be called into dispute based on non disclosure of PED etc.
However if you're still worried about this you can simply email your insurer that you were diagnosed with BP last year and seek an acknowledgement. This will make sure the insurer knows that your BP was diagnosed last year.
Also this will not entail any consequences. No extra charge. No waiting periods.
my family having a health insurance which I bought through online customer care support. Is there is any provision to include Ditto as an agent while renewal?
While there is a provision to include an intermediary, Ditto currently does not support this feature. We will take it up with management and make sure they introduce this feature soon
Thank You. Hope will get notification after introducing so. @@dittoinsurance
From your experience, recommend us 3 insurance companies to trust, please.
This depends on a whole host of things and will depend on the agent you're working with or the things you want to prioritize. For instance people may generally trust public sector insurers but we don't recommend them as a corporate agent because it is almost impossible to negotiate with them when something goes wrong with your application or your claim. They are painfully slow. We also do not recommend policies that are priced very low because we aren't sure how their claims experience will be when the pricing becomes unsustainable. We generally work with partners who have decent numbers, who have shown a commitment to work with us when we dispute claims or request specific help with certain applications and who have good product range that cater to a wide customer base. We would suggest you speak to our advisor, specifically list your requirements so we can outline the best insurance companies for you
PLEASE ELABORATE ON 8 YEAR MORATORIUM IN HEALTH INSURANCE
if i am diagnosed with diabetes in 9th year but i havent claimed for 8 years so any complicationwhich arise after diabetes after 8 years will my claim be rejected??
I think you're slightly mistaken. Once the moratorium period is complete, no claim can be called into dispute. So then you don't have to worry about rejections based on non disclosure of pre existing conditions etc.
Meaning in your case the claim will be settled after 8 years no matter what
The condition for moratorium of 8 years is that the cover for 8 years should be with a single health insurance company without any portability. @@dittoinsurance
underrated video, im surprised this hasn't gone viral
How to reach out to you sir
You can talk to our advisors using the link in the description box. It will take you to our website. You can book a free call there
The lead presenter (red shirt) should speak less and not interfere frequently when the guest is speaking. Otherwise, a good video as always
Feedback noted. Will improve from next video
How to contact you. Phone & office address pl.
Just book a call here: bit.ly/3VhUgov
Our IRDAI certified advisors will contact you at your desired time. Happy insurance hunting! 🙌