Why every Indian needs to get a HEALTH INSURANCE - Health Insurance explained
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- เผยแพร่เมื่อ 21 ก.ค. 2024
- Ditto has simplified the concept of health insurance in a very easy manner. Check them out today!
I bought my insurance using Ditto here: bit.ly/35J07Iu
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Health is the most important part of an individual's life. Without health, there is nothing.
The second wave of coronavirus in India put a lot of people in grave financial distress. People had to take massive amounts of loans to get their loved ones treated. This gave a serious reality check to all of us, that-
You can earn bucketloads of money, but one single incident can literally wipe out your entire wealth!
This is why it is so important to get a health insurance!
But buying a perfect health insurance is not as easy as it seems. Given the complexity of an insurance policy and with so many options being available, it is but natural that you might get bogged down and give up buying an insurance altogether.
Thus, in this video, I break down the concept of health insurance in simple parts and try to explain the process of getting an appropriate health insurance which will be suitable to your needs!
0:00 Health Insurance
01:17 Need of a Health Insurance
03:45 How to decide on a Health Insurance?
13:47 My Health Insurance
Health is something which should not be compromised at any cost. Therefore, I would urge you to understand all about health insurances and buy one for yourself and your family today!
If you want me to cover any topics, do drop in a comment. I will definitely try to shoot those videos!
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I provide tips on how to grow professionally! Follow me on other social media channels:
Instagram: / akshat.world
LinkedIN: / akshatshrivastavainsead
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I bought my Health Insurance on Ditto here: bit.ly/35J07Iu
Hi Akshat! Can you let me know how much premium you are paying for the 20L cover?
Please checkout my comment someone is trying to do scam in your name.
Make a video on problem of claim in health insurance and whether to take the insurance from agent or online
Can you make a video on term insurance or other insurance products which can be useful to young adults like yourself.
Any chance to review Navi Insurance ?
Funny place .. India , automobile insurance is mandatory , health insurance is not .
The Indian health system has come to a juncture where only 1 medical emergency can push a family to poverty (especially families who have just entered the lower middle class).
A good Health Insurance is an amazing and one of the most important hedges against uncertainties today .
Thanks for spreading this awareness !!!
Being from the insurance industry, I can say, your video was very necessary, as insurance awareness is very low in India. Thanks a lot for bringing this up, most of the points you touched upon are relevant and accurate. Just to bring to your notice, you still can cover your parents in your family floater policy, even your in laws too.
Anybody who is reading this comment, I will suggest you to please add Critical Illness Rider and Accidental Benefit Rider in your existing life insurance policy.
If you still don't have LIFE and HEALTH Insurance, come out of the cave, run and get yourselves insured.
Hey Nikhil, would you pls suggest which will be good for a whole who has 20yrs kid and parents age are above 40yrs. They r very confuse as some people like Ankur say don't combine parents and young child's insurance with family plan. 🤞🏼
I can first hand say that it is outrageously complex topic. I literally sat with a pen and pad and noted down, loved how clearly you were able to explain it.
It's not even a week since I first came across your channel and I've already watched 20 videos. I started off with the "Stock Market Investing" playlist and since then whenever your videos showed up, I watch it without a second thought. Easily understandable, highly informative and you always cut to the chase. Looking forward to more videos. Love from Chennai!
Really Helpful
U r Turning into a Guru for me atleast
Not a single day where I do not watch 1 r 2 of your videos
Really Life-changing & Life Guiding for me
Thanx For all this stuff
I really don't understand why channels like this one has so few subscribers. Thank you Akshat for giving an unbiased and honest opinion.
With hospitals turning into corporate blood suckers, draining you of your life savings, the best insurance is to invest yourself in yoga and maintaining a healthy lifestyle.
Sorry but maintaining perfect lifestyle will still make you old and susceptible to diseases. Health insurance is compulsory
Lift iron, eat right and get a health insurance. That's it.
All your videos are so full of knowledge and awareness that everyone needs. The way you explain things is just amazing and I literally feel drawn to watch and learn from them. I have shared the content with the people around me and they hold the same opinion. Thank you so much. Respect!
Glad you like them!
It feels really great when you get such a quality content in your recommendation! Wishing this video to reach a huge audience further :)
1) Individual/Family Plans
2) Size of the cover
3) Hybrid plans (Base covers + super top ups)
4) Consultation/Day care
5) Domiciliary care
6) Type of Treatment (Ayurveda/Homeopathy)
7) Sub-disease spend clause
8) Network hospitals with cashless treatment (re-imbursement clause with non-network hospital)
9) Co-payment clause
10) Claim processing time & claim processing rates
The videos you make sir are super amazing , informative and engaging to watch. You are the best teacher for college students.😅😅😄
My day:
Morning with finshots
Nights with Akshat
Haha thanks for the support! :)
I'm constantly amazed and humbled by the quality of your research and presentation. Thank you for the work Akshat.
Health insurance is the most complex thing I have done in my life. Took a week to understand important clauses, various insurance providers etc. Felt like DIY.
Thanks to Mr. Pattu (if I may say), his articles helped a lot.
Which one did you finally get?
@@meghaseth5815 star comprehensive individual. Took print out of the policy wording. Highlighted all the important clauses in pen so that it doesn't come as a surprise in future.
Also there is a limit to which we can customise our policy. My policy dint tick all the check boxes but most of them.
This was really helpful. Would appreciate if you did one on Life Insurance as well. It seems to be more complicated than Health Insurance.
I was searching everywhere if there is any video regarding health insurance today only, and akshay came with such a wonderful content. Loved it :)
That's actually a good topic to discuss !!!
The awareness was much needed
Very true Deepak :)
You are such a multi talented guy with such diverse knowledge.It's really a pleasure to watch your videos and be knowledgeable.❤️🔥
So nice of you
Thanks for educating us about things that no one generally talks about.
I've been thinking for few days to comment on your videos just to acknowledge the fact that the Content you are bringing consistently is Stupendous. The amount of respect you've got from me in this short period time is just awesome. Brother just keep on bringing such useful content. 💪
Thank you Ayush :)
Thanks for making a proper content and well visualized concept of health insurance concept.
We are expecting more videos on how to climb in Finance field like private equity, venture capitalist and corporate finance roles....
Although this vedio didn't get the likes this deserves ...we other set of people really loved it Akshat, U started building the moral/emotional bond as well...keep Rocking my brother😘
This is a great video. You gave a good overview of the different aspects that are associated with health insurance.
👍👌 Eagerly look forward to many more 'informative videos on various topics affecting our life' from u @ the earliest! God Bless U & may ur channel have more & more subscribers each day!!!!!
I do not know that health insurance is so important.
Thanks for bringing this.
Please make a video on : How corporate save taxes and how a individual save taxes 🙏🏼
I tried to find data related to corporate tax saving but couldn't gather enough information
Wish this was shared 5-6 years ago😄.
Very good advice.
Thank you so much Akshat for making this video. I got some clarity on this topic. There are so many providers out there that it is sometimes difficult to choose.
Wow . Thanks a lot sir.
We really need this especially in such situations.
Wow! This is so informative! Thanks for demystifying such complex yet informative topics for us!
Glad it helps Surya :)
Appreciate.....Term insurance is important too...Indians think themsleves as immortal before 60 and spending 500-600 per month to financially protect your family seems much to us
Please make videos on swing trades setups every week.
Beta sab kuch free me chahiye.
Sir It was quite easy to understand and get hold of the basic idea and process of getting a health insurance the way you explained it to us... Helpful!!
good one sir. This is extremely, extremely and infinite extremely helpful video for all. In just short 17 min you have explained so much. Hybrid option is literally useful. Sub disease clause, network hospitals, cashless and reimbursement, copayment clause, claim process rate and time updates. Everyone should look into this video. This is really super complex projects. very informative. you have covered everything from how much to take and hidden details of it. we also got to know about ditto services. I will surely get in touch with them to understand more. Thank you for providing the details on service providers as well. I just need one info for people have insurance from their office. How to go about with this. We would already been paying top-up in our company but how to take personalized insurance. Should we opt same amount thinking if we come out of work or if company sends us out any day or should we take less if we have one from corporates. It would be good if you can make second part of this video and talk about people who have corporate insurance, and some govt people who have Esi facilities. It would be good if you can talk about restoration clause in insurance. I see in your video screen shot that there was something called restoration. We know little but it would be good if you can cover that and if there is any hidden catch there for us to understand. Also, we hear that these health insurance increase based on the age and some health insurance will not increase based on age. What to do in these cases. Whenever you have time can you please come up with second part of your health insurance and cover these topics which will be a good 2 episodes for us to understand length and breadth of health covers. As usual you are awesome. Excellent sir.
Loved the video! Must watch for everyone especially in today's times :)
Glad you enjoyed it!
What a detailed analysis Akshat.
Always been reluctant to study about insurances. Great job
Thanks Kanav :)
Great video!!! Very informative sir. Thank you so muchh
My father was hospitalised for 33 days. If not for CGHS and its subsidised CGHS rates we wouldn't have been able to afford his treatment.
Hi Akshat, Great work! I am following your channel for past 1 month now. All the videos are quiet informative and very well delivered. I have a request can you also make a video about term life insurance.
I am following your channel from last month its awesome bro..keep continue the same. am sharing your channel to many of my friends.. my request shot a video on Term insurance. Thanks..
Thank you soo much Akshat.. You made my life easy and added value to my conviction...
Oh cool. I'm 22 and I have just started as an agent.
I started learning about this topic from my parents who are Agents for a Health Insurance Provider.
The most important thing is to have a provider you can trust and look at the track record of settlements. Lots of online businesses provide health insurance at a competitive price. If you are purchasing a health insurance online instead of going with an agent, please read up the provider's track record on the forums available online.
And please inform your family and relatives about your health insurance situation. Most of the times you will be extremely ill and in no condition to even think about the insurance claim. Have a "guardian angel" relative who can inform the hospital or the agent on your behalf.
Please do your due diligence and bear in mind that dental coverage is not included with most of the policies. I know so many folks who have this exact misconception.
Please get a health insurance as soon as possible as your age will cost you more. Sometimes a single year can make a difference of Lakhs of rupees in the long run.
Cheers,
Great video as always.
Thanks for the precious information!
In current scenario every family should have health insurance rather health insurance comes in essential category for every family, content shared on health insurance is really eye opener for somany people... 👍🏻👍🏻
one of the best videos I found on this topic.
Thank you for sharing the valuable information sir. It feels great to see people like you literally care for other individual's personal finances, health insurances, career selections and bunch of other most valuable aspects of life. Thank for being the digital big brother in this digital world. More power to you.
@@upnextcryptoyoutube3943 Don't try to do scam in this platform.
Waiting to hear you out gives hope and knowledge and perspective
Would like to hear from u about insurance career
Thanks a lot Akshat. I have been looking got a health insurance cover for myself and my mom although we are covered through my employer. My query is - should I go for a public health insurance for my mom and something like HDFc for myself? Also, can I buy top up for myself, mom and dad together although we may have separate policies? I will be grateful if you can help
Excellent video Akshat. Got to understand complex things in simplified way, also got aware of soo many new things. Please make a video on Life/Term insurance as well
The people at Finshots and Ditto are doing an amazing job. Simplifying insurance and finance; the most important yet the least talked about topics :)
Glad that you've put it up, Sir.
Hi Akshat,
How important is it to get a health insurance apart from a decent one that is provided by the company that a person is currently working at?
which travel insurance provider do you prefer when visiting US? I had a very bad experience with Reliance travel insurance during emergency and for reimbursements(prior to covid).
WAITING FOR THIS TOPIC FOR A LONG TIME!!!
Hey thank you sir, I was already looking into this and your video came up. It really helped me and smiplified alot of things about insurance. Thank you ✨❤️
Thank you for a vivid apprisal. It helped me a lot to understand.
All your videos are informative. Learning a lot
What if I have a very good health insurance from work? Does it make sense to buy health insurance over and above that?
You just through a light on us.u may do separate playlist about health insurance. Gave too many information but little about them.yeah you have to short the video .I appreciate your effort.if possible do a Playlist about health insurance top to bottom.thank you sir
Akshat your videos are my daily ritual now. Please keep us more informed by these regular videos.
Glad it helps Akash :)
thanks for the video... just what i needed.. makes things much clearer now
On a Holistic Level..... This Video was a Class Apart one!!!!!!
That's very good content Akshat. I have a 10 lacs base plan and 90 lacs top-up for a family of three.
Always helpful and knowledgeable be it stocks or insurance.
Hey Akshat, do you think we need separate medical cover if we are already covered by the employer we are working for??
Amazing video. Should I buy a separate health insurance if I have a company provided health insurance?
Every year should it be renewed or is there anything like onetime payment for 10\20\ life long medical insurance cover.. Also, taking it at earlier age does it have any specific benefit on the future premiums??
Hi Akshat , Please continue with these kinds of videos.
Hey, great information about insurance. Specifically liked it how you framed the video in a Q n A format. I am 24 rn and have to buy health insurance when I turn 25... So this will provide a base video which I can refer back to.
Also, I saw your video describing your expenses as a millionaire... Can you please spill on what skills you are currently investing on??
Thanks
Very good video. You can also include some points on what type of health insurance those people should buy who are in corporate as their companies already have health insurance
As usual, Great content! Thank you for apprising us with this important concept:)
Glad it helps Khyati :)
What is the reason for hybrid models to be less costly? Like base cover of 1cr will cost more than hybrid cover of 10lac+90lac(top up).
Hi Akshat - Could you throw some more light on top-up or super top-up plans? How to choose and any personal experience/ recommendation for this?
Hello... I want to know... if nothing happens then will we get our premium or particular amount back from the insurance policy..??
Keep doing the great work sir❣️
Please keep making more videos regarding financial decisions. Regards
Hey Akshat, thank you so much for bringing this topic out on this video. Learnt alot about health insurances in general & got more educated on 'how to choose' a health insurance. Thank you so much for this & keep bringing such content to us 🙂👏👏👍.
@@upnextcryptoyoutube3943 okk sure
Sir Main 35 yrs ka hu. mujhe ap se Jan na hai konsi company/policy health insurance ke pehle medical checkup karate hai , pher policy issue karte hai.
Thank you. This was much needed. What do you think about HDFC Ergo Optima Secure?
sir you are really an inspiration I also want to pursue with mba and finally end as an investor
Can you please share your views on group health insurance policy provided by the company that you work for? Should you get another policy?
Hi Akshat, when you say you will buy insurance at the country you travel? how does that work. Lets say if you're travelling for Singapore and may be for a week, what will be your approach?. Also, getting insurance from the country you travel will be cheap?
Sir your videos are really too good , need more such type of videos , i am a college student , And tring to invest in stock , just by motivated from your videos 😁
Thank You Sir for making such videos. 🙏
If we buy an insurance for 20L coverage, it might be enough for todays cost, but if continue to pay same premium for 20 years I still get same 20L cover which may not be enough at that time. Do we need to take multiple insurance then?
Hey Akshat, Thanks a lot for educating about health insurance. Health is wealth
True Nagesh :)
Glad it helps
Hi Akshat.
Request you to make a video for salaried professional who are in thier mid 40ts regarding which executive program they should do. Is it useful or not. What should be the main focus of programm ie to gain knowledge or to add value in CV or to get access to Alumini network. Pls also suggest the institute .Pls help. Thanks.
Thank you sir for explaining amazingly
Thanks Akshat. This is helpful.
Me and my wife are already covered under a policy provided by my compay. Should I still look for a health insurance policy of my own?
Thanks Akshat. If you can please make video on Term insurance (in details), that will be really helpful.
if I'm below 25 can I buy a policy which covers my parents too?
Sir ,
Please make video on how to become confident and deal with various insecurities! .
Should I add my parents in my corporate insurance plan ? Or buy a separate health insurance plan them ?
Akshat if someone have company insurance even then one should take ?
Very indepth information Akshat. Though i have taken the medical insurance for me and family but there are few points I need to recheck to insure that I don't face problems at thetime of claim settlement. Further to add Homeopathy and Aryuveda also become expensive treatment now. Hence one should also consider taking this into account while taking insurance. Thanks for the video.
What if I buy an insurance of 5 lakhs of 3 year but I had an accident or got any medical issues after few days of buying and the expense is 5 lakh too ,so will it cover my 5 lakhs insurance ? But I had to pay only about 60K in those 3 years?
Excellent
Appreciate more case studies on different companies.
Definitely will do that Hari
Hi Akshat sir! Having completed 2 out of the 3 levels of professional levels in Insurance ( from III :- Insurance Institute of India) I just wish you would have taught me. Would have scored even more :p
Also, Kudos to you for 70K!!
Planning on getting insurance for myself and my parents.
Hi im 36 yrs i have care health insurance from 3yrs back onwards, 4th jan 2022 is my 4th year renewal, i want to port care to star, is star health insurance is best are not. Plz suggest me