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Points To Check While Buying A Health Insurance Policy | Clauses In Policy | CA Rachana Ranade
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- čas přidán 14. 08. 2024
- In this video I have discussed in detail about the various clauses that are generally present in the health insurance policies and which everyone must know. What happens usually is that people pay the premiums timely but when the time to claim comes, they are actually unaware of the inclusions / exclusions, co-payment clauses, claim settlement procedure etc. Watch this video till the end to be educated on this issue.
Get personalized and unbiased insurance advice from Ditto:
bit.ly/3T2ZyQz
List of Insurance Ombudsman:
www.icicipruli...
What is covered?
00:00 - Introduction
01:15 - What is the Co-payment clause?
02:41 - What is the Zonal Co-payment clause?
04:08 - What are the permanent exclusions in health insurance?
04:58 - What is the Waiting period clause?
06:27 - How can someone help us?
07:42 - What is the Room rent restrictions clause?
09:03 - What are the steps that we should do in case we have to submit a claim?
11:20 - How to handle claim rejections? and Conclusion
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Thumb rule for buying an Insurance - Don't ask what's covered in the policy. Always ask what's not covered in the policy.
स्टार मेडिकल के अंसोरांस एक जालसाज कंपनी है मैन पूरे परिवार का पिछले 4 साल से प्रीमियर भर रहा हूं लेकिन जब क्लेम किया तो एक पैसा नहीं दिया। मेरा आप सभी से हाथ जोड़कर प्राथना है स्टार में अपना मेहनत की कमाई ना करें
@@ajayjain1456 thanks for letting us know
@@anupamthakur3002 thanks
@@ajayjain1456claim reject ka reason kya bole star wale
@@sunil1229 कोई कारण नही था बीमारी पुरानी बता दी जबकि पालिसी लिए 4 साल हो गई थी। मैंने इस साल पालिसी दूसरी कंपनी में शिफ्ट कर दी है।और पूरा बेनिफिट दूसरी कंपन्त ने दे दिया है
Notes: Co-pay clause; zonal clause; permanent exclusion; waiting period; room rent restrictions; cashless claim - planned treatment; emergency treatment; claim rejection.
Thanks
Thank you very much for the video, through this I came to know if your claim gets rejected or anything else to whom we should approach. Just now sent a mail to IRDAI regarding my issue and the next moment I have received reply from Health Insurance company.
Thank you very much. You are doing very great job, Keep it up......👍
You are such a great financial advisor i have ever seen. I appreciate your hard work. Hope to see more videos in this channel. Please make a video on how to protect demat account from hackers
What a coincidence... I'm 24 nd I'm planning to buy a family health insurance...bcoz of which I'm going through a lot of vdo's...2days back i watched ur health insurance vdo...n today u come up with this vdo..donno why bt felt connect with you n ur vdo's..feels like elder sister is explaining something 😍... Thank you so much Rachna Tai🥰... it really helped me to select my plan
Glad you liked it.
The intention is everything, You think of it, Universe gives you.
Cheers
@@srinivastrcareercoach 💯
Thanks for adding subtitles otherwise person like me having listening problem in both ears can't understand ur learning. Again thank you so much. And pls keep adding subtitles in all ur videos.🙏
Thanks for the update and keep doing what you do.
Not surprised you mentioned Carol Ann Mcelroy she is just so good and her professional strategies are really mind blowing. this is over a year i have been benefiting from her trading services.
Professional Carol Ann Mcelroy has been my coach, broker for a long time now and I'm happy with her services I get my weekly profits consistently
Her strategies is the best i started with a thousand dollars i never thought of making such profits shes really reliable and trustworthy
@@joanshulz3938
Wow, l'm so much perplexed seeing her name mentioned here also. Didn't know she has been so good to so many other people as well.
This is not the first time I am coming across Carol Ann Mcelroy and her trading exploits but I have no idea how I can reach her so that i can invest.
It was a wonderful informative video. However I would like to add one more point. There is a ceiling limit for certain procedures. Like for example for cataract you get max 30 k per eye per year.
Additionally there are some things called gipsa agreement or something similar between insurer and hospital where only a portion would be claimed. Again it varies between hospitals.
There is a personal experience in this regard. A private hospital would claim only 50 k as per GIPSA agreement for C-Section although the total expected cost was around 1 lakh for cashless. The remaining amount would need to be born by individual.
Sir for cataract sx its max 50 k in government owned policy and 1 lac fir private policy provided all the criteria are fulfilled
There are many more clauses in various policies and it is not possible to cover all clauses in a short video.
@@CARachanaRanade which one is the original account of yours... above comment seems to b fraud.
Thanks for an eye opener video. It would have been an additional info if you could have spoke about choosing "Family Floater" or "Individual" type of health insurance... Even a shorts will be nice if you make it. Thanks🙏
If u have a family to look upon then Family Floater is the best
Awesome! your potential seems timeless. Understanding your financial needs and chalking out a plan remains the smart way to prepare for the unexpected. 11yrs in investing space and extremely pleased with the decision I made. The good news is - it’s not too late...
@@YusufEymen248 Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financiaI growth, I'll advise you to seek the help of a professionaI...
sincerely I have been wanting to invest in stock and crypto but I'm so skeptical on whether to continue or not but seeing how good people are doing in it, I developed alot of interest. Please if you can tell me what to do I have savings set aside..
@@YusufEymen248 there is nothing hectic in lnvesting, all you need to do is to get an lnvestment advisor who will guide you through and build intelligent investments ideas to meet your financial goals.....
@@lailacraig1545 Thank you so much I really appreciate. It’s always difficult to connect with a good professionaI and I really need a good lnvestment pIan right now, how can I get in touch with a professionaI ?..
yeah I personally agree with you. they actually make lot of changes on a portfolio generally. A financial advisor gives you peace, I've had numerous firsthand experience and understanding of how the markets really works coupled with a portfolio growth of $670k in 2years, I'll say they are quite important...
Thank You Rachana 🥰 I'm planning to take a health insurance for my parents, this was very informative 🤝🏻 I've learnt alot of things.
How come you always present all the aspects & that too a very simple manner, so as a layman also can easily understand. Really, u r a great teacher & a trainer too. Blessings.
Ok mam. Thanku. I will tell my son.
Thank you so much.
in my case my father went through heart angioplasty on 16 July 24 . His heart had 3 blockages and needed 3 stents to be placed in the arteries. Although it was free in some maharshtra government schemes, i went with private cashless hospital because in government scheme stent was without drug eluated stent. Hence private hospital bill was 2.5Lac and i paid 0 rupees and i was so relaxed during all this process. Health insurance company is Niva bupa Reassure 2.0. I had paid almost 1.2Lac since 4 years for my father mother combined in health insurance. So in my experience health insurance is safer bet.
Racha ranade is the GOAT of finance CZcamsrs 👌👏
Rightly said
Why no CZcamsr tells which insurance plan they personally have for their family?
The most insightful video I've watched by now, I've watched a lot of videos on Health Insurance but none mentioned the Zonal Copay along with what to do if your claim gets rejected, Some cool info by ma'am thank you
Now according to you wich is the best insurance company?
Wow! Clear and concise explanation. The video I was looking for. Thank you
Most beginners make the error of trading alone without the necessary knowledge to enable them to profit from the market. I used to be that way, but everything changed because of expert Logan. Well, I'm glad I started investing in Mr. Logan's fantastic platform since I have never looked back.
Loganfx6
I remember having lots of losses incurred by my old manager but not no more now thanks Logan
You're the reason why I'm a consistently profitable trader 🎉
Trading with Mr Logan has changed my life because he has recovered all of my trading losses.
Trading with Mr Logan has changed my life because he has recovered all of my trading losses.
As per your opening clip most sign the documents at the designated places marked by the agent.
This Video is eye opener
Co-Payment clause, Exclusion clause, Zonal Payment, waiting period ......- Need to look at all these clauses.
Thanks for the Gyaan.
During my Coaching of Career Development, i talk about PPF- Potential Pitfalls, I will take this clue and adapt it in the courses.
Once again Thanks for the effort put in.
Cheers
I'm from Risod , I thought nobody knows this Taluka but surprisingly you know abt it
I am also from Risod.
I have a team member who is from Risod!
Mr Logan is a blessing to me. Trading with him has changed my life because he has recovered all of my trading losses. Every week, I receive various successful withdrawals here, demonstrating Mr. Logan's investment platform's legitimacy.
You're the reason why I'm a consistently profitable trader 🎉
Trading with Mr Logan has changed my life because he has recovered all of my trading losses.
scam comment
Love u mam! You explain complex things in such simple words🙃
Thank you Rachna mam, I have learnt so much from your videos, good work as always 👍
Thank you 😊
@@CARachanaRanadewhich health insurance do you have
One more thing I would like to add in this that I got my Mediclaim rejected by saying that I went under the BAMS doctor not MBBS doctor.
So, before you purchase any health insurance, please ask them the hidden terms and conditions.
Which insurance is this?
Please tell us name of your insurance
स्टार मेडिकल के अंसोरांस एक जालसाज कंपनी है मैन पूरे परिवार का पिछले 4 साल से प्रीमियर भर रहा हूं लेकिन जब क्लेम किया तो एक पैसा नहीं दिया। मेरा आप सभी से हाथ जोड़कर प्राथना है स्टार में अपना मेहनत की कमाई ना करें
@@ajayjain1456they are mega frauds
CoPayment clause: if it is mentioned as 20% co pay...that means the insured had to pay 20%
Zonal CoPayment Clause: medical treatment NEEDS to be taken in same zone ...and if he takes treatment outside Zone ...then only partial payment will be settled
Adventure Sports/Cosmetic Surgeries/Drugs are a PERMANENT exclsion
Check Waiting Period from date of Commencement...In case of pre existing diseases,pregnancy, child birth
Room Rent restrictions...doctor fees,Consultancy fees will not be covered in case the Room rent is higher than mentioned in policy then entire bill wont be covered by insurance company...check policy with no Room rent restrictions
Cashless claims:planned treatments...inform the insurance desk within network of insurance company 2 to 3 days prior..once pre authorisation is done ...u dont need to pay anything
In case of emergency admission...inform the insurance company within 24 hours....
In case of reimbursement policy...submit the documentation within 14 days of discharge...
If in case claim is rejected ...email to grievance redressal desk ...then mail to Ombudsman and if this doesn't work get in touch with IRDA and then last resort is Court...
Love from India .. Being financially stable and debts free has been one of the many things i have been able to achieve since i invested with Logan few months ago. He is my mentor and a genius.
Contact on telegram
You're the reason why I'm a consistently profitable trader 🎉
Trading with Mr Logan has changed my life because he has recovered all of my trading losses.
ବାଳ ନା
स्टार मेडिकल के अंसोरांस एक जालसाज कंपनी है मैन पूरे परिवार का पिछले 4 साल से प्रीमियर भर रहा हूं लेकिन जब क्लेम किया तो एक पैसा नहीं दिया। मेरा आप सभी से हाथ जोड़कर प्राथना है स्टार में अपना मेहनत की कमाई ना करें
This is the most informative video i found today!
Thank you 😊
It was comprohensive.
Thank You.
Please elaborate on Travel Abroad Health Insurance policy.
Will try.
You are a great teacher for all financial matters.
Thank you 😊
Can you cover term life insurance
Will try.
Hello mam ...
Pls make a spcl video on term insurance if possible ..Thank you.
Will try.
Why on earth all youtubers are sponsoring health insurance policies? At least they should spare health insurance polices.
Kaha se bhi Ad mile lelo. Ankur says Navi, whereas here Ditto!
Very informative keep up your good work.They have rejected claim hospital tariff for all rooms not in tabular format again I submitted but keeps dragging.
Please elaborate on PPN package by GIPSA. Even if the policy does not have sub-limits, the insurers are making us pay because they don't admissible claim beyond the agreed limit with the hospital. So even of you have a cashless claim, you end up paying more of the share of the claim. This issue is not highlighted while purchasing the policy and only is made realised when claim is made. This is total shock!
What could be the possible reasons for rejection? My question is pertaining to your last bit in this video. Thanks in anticipation!
Not intimating and claiming within timelines, no following terms in the policy etc.
Very informative ,educative information about the Health Insurance Policy.Please share me let to know the Top Realible,Trustworthy Health Insurance Companies Because, I am interested to purchase the Health Insurance Policy.All the Best & Thanks Madam.,
Mam plz make video in hindi. it will be easy to know your concept deeply for who don't know english. 😊
So useful. ✨✨🙏 Will refer to Ditto.
Liked the background music .. गोलमाल है भाई सब गोलमाल है.. I often say this line in different instances.🙂
Hi Madam, thanks for your valuable and simplified video.
I need an Important advice Mam, In a pre scanner device, I have shown oral cancer Symptoms. Shall I reveal it to the insurance company? It’s not been officially confirmed though…
Shall I buy term insurance without revealing this info? I can take advantage of critical illness rider then.
Like no scan was conducted!!
Need an expert advice, please avoid commenting if you only know half things….
This is very much important and need of the hour, thank you ma'am
Glad it was helpful!
Well explained, in a simple language
Hello ma'am
If you could make a video on lic
And how people confuse insurance and investment in lic policy..
Will try.
Thanks a lot, it was very good & made awareness about the insurance. Thanks once again.
very usefull information for a common man and also for every one
Thank you 😊
Hello Madam, I like your videos very informative and useful it is , with all due respect just one suggestion that you start making videos in Hindi also aur atleast put hindi subtitles for the people who dont understand english, these are the actually audience who get fooled by insurance companies and they should be your target first ... "वैसे, बीच-बीच में खरगोश भी अच्छा बनाते हो आप।"
The journey of a trader is not always easy, but having a trader like Mr Logan makes it less stressful. I am always delighted to receive my payouts in my wallet and to share my experiences with Mr. Logan's platform.
You're the reason why I'm a consistently profitable trader 🎉
Trading with Mr Logan has changed my life because he has recovered all of my trading losses.
स्टार मेडिकल के अंसोरांस एक जालसाज कंपनी है मैन पूरे परिवार का पिछले 4 साल से प्रीमियर भर रहा हूं लेकिन जब क्लेम किया तो एक पैसा नहीं दिया। मेरा आप सभी से हाथ जोड़कर प्राथना है स्टार में अपना मेहनत की कमाई ना करें
Ma'am, I was diagnosed with IBD Crohn's disease in 2022 (age 22 years), and have not taken any health policy, but now I am not able to buy a health policy, whenever I tell them that I have this disease. But one can fall ill, or due to an accident also get hospitalized, in this case, what shall one do, should I not disclose my pre-existing disease, or without disclosing serve the moratorium period, then raise claims after 8 years if anything happens, till then get treated on my own cost, etc. Please, help/guide or make a video for this type of case, (where, what one should do when the company is not giving insurance to any pre-existing disease, how they should buy the insurance). Thank You.
Madam please make vedio about term life insurance policy .
Will try.
Mast starting h🤣golmal hi h sach m.
My question is madam,does health policy clauses can be changed by insurer in future Renewal of same policy as we are getting everytime new agreement every year perticular in health policy.🤔?
Can you explain on deductible option that few insurance companies are giving now a days ?
Thank you . This was an independent view and helpful
Rachana Ma'am, Thank You So So So So Much For Such Detailed Info. God Bless You 😇❤️🙏🏽
which is the best health insurance company, any advises please .
Wow so well explained. Keep up the good quality work
Thank you 😊
Hi ma'am. Can you please guide us on whether we should be going for online insurance or only through an agent? I have heard that the claim rejection ratio is higher for online policies.
Yes bec due to incomplete form filling by them
thanks a lot madam for such a comprehensive and detailed explanation!!
Mam May I know what about term insurance as you have explained in the previous video's.
Thanks a lot Rachna madam. Can you make a video on term insurance clauses to be checked while taking a policy.
Will try.
Ma’am please make a video on maternity insurance.. whether to buy or not and if yes then which one
Superb duperb information with excellent explanation....Nice. Thnks a lot for making such video.
Madam namskar mi kishor tumche videos baghat asto khup motivation speech aani anokhi mahiti deta khup kahi shikayla milte
Ek question aahe maz v mazya family la health insurance kadhaychi aahe
Pan pre existing disease aahe
Tar konti mediclam policy deil ka amhala policy
Mam 60+ parents sathi kont policy buy karavi, jyanch income kami ahe ashani.
Wonderful Video. I have no words to thank you.
@Rachana Please make one video on this comments people are believing on it.
I am one of it I go with telegram number I thought I’ll get advice from you I mentioned all things then he said it’s will advise cost 5000 INR Evan I am going to to pay but only I did not pay because he send me QR code instead of Proper account details.
Thank you 😊
Thanks for this info you can try in Hindi video can reach more persons
Thank you for valuable information which is really unaware by ourself ....Thank you
Ma'am
Manipal Signa chi health insurance policy ghetali hoti,
Ti cancel kartaa yeil ka??
With full refund of premium.
Please guide ma'am.
Which tablet you are using in this video
Please give the more awareness for this type of videos
स्टार हेल्थ इन्शुरन्स कभी मत लेना, स्टार हेल्थकी प्रिसेल सर्विस अच्छी है, दावे बडे बडे करती है, लेकिन क्लेम सेटल नही करती
Mam,
Thank you for your time and efforts making such videos. I have a doubt. Before buying Health insurance what kind of health check-ups we need to take ? Pls guide me on this.
स्टार मेडिकल के अंसोरांस एक जालसाज कंपनी है मैन पूरे परिवार का पिछले 4 साल से प्रीमियर भर रहा हूं लेकिन जब क्लेम किया तो एक पैसा नहीं दिया। मेरा आप सभी से हाथ जोड़कर प्राथना है स्टार में अपना मेहनत की कमाई ना करें
Which health insurance policy doesn't have reasonable and customary clause?
Excellent information sharing. Only point is why only Ditto? Are you promoting Ditto?
Thanks Madam for uploading such interesting & informative video 📹
Thank you 😊
I swear your videos are so fun n informative. I love the way you teach with an essence of humor. Amazing !
Glad you like them!
Star also froud
Rachana maam ,
Recently a news outlet named THE MORNING CONTEXT has published an article about unethical practices of 'ADANI GROUP' in context of Auditing of its financial Statements. Please make a video on this topic that how the pressure of resession along with probable threats arising from this news can bring a LEHMANN CRISIS like situation in India
Which insurance covers mental health treatment too?
Not the one which requires hospitalization. General consulting and therapy
Nice information Ma’am 🙏pls also cover its better to top up policy or buy higher amount insurance
Consider a Decent Health Policy alongwith Topup
Good content.... but i have few questions in my mind that are combined for health and Term insurance-
1. The term insurance is taken by breadwinner of the family and if that person takes critical illness rider also still only that person of the family will be covered. Say his spouse/child/any other dependent get suffered from critical disease then this critical illness rider is of no use. Isn't it better to take critical illness rider with floater family health insurance so dependents also get benefitted. Another point is portability because the critical illness rider may not be available with other company term plan.
2. A person (say Raman) has annual income of 10 lacs and he is of 30 year old at the time of taking Term insurance with 1 crore cover amount for 30 year (i.e. his policy will expire when he attain age 60). He paid the premium on time every year and he dies at the age of 50. Now will company settle claim of 1 Crore rupees or they will calculate Human Life Value (i.e. based on the pending working life income) then accordingly they will settle reduced claim. I didn't find any clear illustration despite of reading many policy document. Can you answer or better to create a detailed video on this?
Hello ....
Madam
U Suggestions Good Insurance policy Company Name....
Age group 25 to 30 ..
Please..
You can consult the advisors as mentioned in the video for free.
Term insurance video also please.
Will try.
Hello madam,
Please make a vedio on cancer insurance specially for women because it differs from normal health insurance
Policy bazar se health policy Lena thik hai ya direct company agent se
Meri Railway m government job h kiya mujhe health insurance lena chaiye ya nii
Very well explained. Thank you.
Madam please make video on Peak Margin Penalty and how to avoid it.
Hi Mam, Can you please help me in choosing correct health insurance(upto 5Lkh) for my Father(52 yrs) and mother (50 yrs).
1. Max Saver
2. Arogya Sanjeevani
3. ManipalCigna Prohealth Prime - Protect+ NME.
Any help here would be highly appreciated you can also share other policies if above listed are not up to the mark.
Informative video, thank you
Most welcome 😊
Ditto or policy bazaar which one is best
What about insurance coverage for medical treatment arising out of pre existing medical conditions like diabetes, blood pressure etc? Especially if the condition is declared and cooling off period is over?
Thank you very much for such an informative video!!!
Madam jitna jante hain utna bolie kyu ki app bola tn petro ko khardinikeleie now kya hua
Thank you mam for valuable guidance
Mam I hv request for you will u please tell -
If we want port our policy and if there is no pre-existing disease in policy but after 2 years osteoporosis is detected,
Now if we want to port policy to other company then will this company consider it as a pre-existing disease or
I mean can we will get waiting period for this or not?
(For osteoporosis 2 years waiting period but we hv completed in old policy this is detected after purchasing policy
Excellent Video Rachna Madam as always !!
Madam, please video on investment in share selection at current market situation
Ma'am your videos are really very helpful.
Ma'am can you please suggest best health insurance
Madam, please send ditto link
Mam Suggest a name of policy or company directly. It will be also helpful.
You can consult the advisors as mentioned in the video for free.
Dear Ma’am
Can you make a video on Bank offer’s health insurance bcz they are offering a low premium….
Should we go for that?