Protect your Family now with a Health and Term Insurance now! Pick best Term Insurance here 👉tinyurl.com/4xtsdbbd Pick best Health Insurance here 👉 tinyurl.com/37za5jbz
ప్రభుత్వ రంగ సంస్థల లను ప్రజల లే కాపాడుకోవలి.సర్విసులను బాగు చేయాలి మనం డిమాండ్ చేయవచ్చు.ప్రజల మాట కు విలువ ఉంటుంది.ప్రవేటు వ్యక్తి లకు మరియు కార్పొరేట్ సంస్థ(కంపెనీలు)లకు లాభపడడానికి కోంత మంది కృషి చేశారు.BSNL ని బలహీన పరిచరు.India post payment Bank లో కూడా term insurance ఉంది.and postal life insurance మరియు RPLI INDIA POST OFFICE కూడా ఉన్నాయి.ఆడపిల్లల కోసం 0-10 సంవత్సరాల వరకు A/Cs మరియు age 0- etc. boys కోసం PPF ACCOUNT S
Insurance policy మంజూరు చేసే ముందే, insuurance company వారే హెల్త్ చెక్ అప్ చేసి పాలసీ మంజూరు చేస్తే క్లెయిమ్ reject అవ్వదు కదా! IRDA ఈ నిబంధన తీసుకుని వస్తే పాలసీ దారులకు ఉపయోగకరంగా ఉంటుంది కదా సాయి గారూ.
I suggest you to approach insurance company directly or an insurance Broker instead of agent. You have to approach licensed insurance Broker directly to have first hand information.
Health insurance..1) while filling up the proposal declare all the pre-existing diseases. So that pre-existing diseases are covered after 2/3/4 years of continuous renewal without break up of period 3) go for cash less facility so that you will not be fooled 4) never disclose the sum insured to hospital authorities 5) check the policy for co-pay, limits for particular diseases. 6) if claim is rejected approach ombudsman.
@@Dheerudrledandi . Never reveal. Reveal chestene bokka. They will match bill to your sum insured. Do you think if your sum insured is less they will give discounts or charge less. Big no. Now a days hospitals became heartless.
Hi Anna, Meru only claim rejections matladutunaru. But insurance partial payment esthunaru. Recent ga ma dad jan 11 heart stroke vochindi stunt vesaru. Billed amount 3 lakhs but insurance paid 2.46 lakhs , maku policy separate room facility vuna nenu sharing room tisukuna still paid less. After checking with insurance amount package prakram pay chesamu annaru, hospital valani aduguthe dad ki thread use ekuva chesaru so daniki extra 44000 aindi annaru. Dad ki mala second stunt vesaru on jan 22 , apudu nenu clear ga hospital valaki chepanu meru bill package prakaram vesthe vunta ledu ante vere hospital pothanu ani chepa. So they billed 2 lakhs for second stunt and insurance got paid 1.97 lakh.😂 Edi first time kadu nenu ma mother ki elane aindi , ma wife dad kuda elane aindi. Hospital kavali ani over bill chesi pampistharu. Mana emergency ni hospital valu cash chesukutunaru. HOSPITAL NAME SUNSHINE (KIMS) HYD
@@NAVEENKUMAR-gl2vz Avunu brother this is happening everywhere....entha insurance unna 10-20% manaki paduthundi.... Okasari alochonchu insurance lekapothe mana pani anthe
Anna meru super ga chepparu.... Agents andaru mosam chestharu. Valla targets kosam .. meru suggest chesinatlu policy bazar matram genuine ga policies ammuthunnaru... Grt anna manchiga andharini guide chesthunnaru. Tq
My claim got rejected at pre-auth status in cashless claim. I called customer support but they said to apply for reclaim. I informed the same to the hospital billing team they said without the proper reason why the claim got rejected we can't reapply again because they will be rejected again. Again I called the service desk. They said the doctor didn't not provided proper info for hospitalization. I asked what info you need and they said the doctor will update that. Finally my cashless claim got rejected and the insurance company recommended to go for reimbursement. 😢
చాలా బాగా చెప్పారు అన్న. ఇంకొక విషయం, పాలసీ తీసుకునేటప్పుడు అందరి ఆరోగ్య స్థితి ఖచ్చితంగా తెలుసుకోవాలి. నేను అపుడు హైదరాబాద్ లో జాబ్ చేస్తూ ఉండే వాడిని, మా అమ్మగారికి షుగర్, బీపీ ఉన్నాయి అని డాక్టర్ చెప్పి మందులు కంటిన్యూ గా వాడమని చెప్పారు అంత, మా అమ్మ నాకు ఎపుడు కూడా ఆ విషయం చెప్పలేదు. ఒకసారి గొంతులో ఇన్ఫెక్షన్ వచ్చి హాస్పిటల్ కి తీసుకుని వెళ్ళినపుడు నాకు తెలిసినది, అపుడు నేను కార్పొరేట్ హెల్త్ ఇన్సూరెన్స్ లో ఉన్నాను కనుక ఇబ్బంది లేకుండా నాకు money వచ్చేశాయి. అలాగే మా నాన్నగారికి పైల్స్ కూడా చెప్పలేదు, ఏవో మందులు వాడుతున్నారు. నేను ఇంటికి వెళ్ళినప్పుడు మెడిసిన్స్ చూసి అడిగితే అపుడు చెప్పారు. నేను ఇపుడు US షిఫ్ట్ అయ్యాక వాళ్ళకి హెల్త్ ఇన్సూరెన్స్ తీసుకునే ముందు పది సార్లు అడిగి అన్ని విషయాలు మేజర్ ఆపరేషన్ విషయాలు కూడా ఇన్సూరెన్స్ కి ఇవ్వడం జరిగింది.
For eye surgery, current eye hospital asked to get few tests from Apollo Hospital because of my few conditions. Every test was done but it costed 50k and surgery costed 50k. But star health insurance didn't covered the lab tests.
Hi Sai anna health insurance and term insurance videos ani saparta playlist cheyadi anna mi chennal ma lanti lower middle class ki oka dimond anna 🙏🙏🙏 tnx to money purse team..
IRDA should come up with various programs for awareness of policy holders. Most importantly the loopholes which Insurance companies were using to reject the claims and how to overcome etc..
Even, i faced similar kind of rejection with pre existing disease. I took a policy about a year ago in Care health. And I disclosed diabetes, BP and cholestrol kind of regular stuff which are common with age. Hospital people wrote that we are using Parkinson disease related tablet since 2 years. And insurance guys just rejected with this reason. And kept policy also in hold with Parkinson disclosure. Not sure what needs to be done. Will try to raise a grievience with them .
That's perfect explanation. Few more points: (a) Proportionate amount calculation when the patient opts for higher/better room. (b) Ask for co-pay to know your share of amount to pay (c) Ask if Non-medical expeses will be covered or does it need a rider.
Thank you for your insightful videos on health policy! They have been incredibly informative. I would appreciate it if you could provide a detailed analysis of the policy drawbacks for each company discussed in your videos. Understanding these cons would help us better evaluate the overall impact of these policies. Thanks again for your valuable content!
Thanks for the information. If the insurance company approves only part of the billed amount (e.g., 50% or 70%) with a 0% co-pay, what steps should be taken? Should I contact the hospital or the insurance company to address the unpaid portion?
Sir, Don't put a thumbnail like this. It says you are in health trouble. I pray for your long health. Instead you can put something like " Is your health policy rejected". Thank you for educating us financially.
Superb timing. I had a discussion with policybazar RM regarding health insurance policy on Thursday (pleasantly surprised to know that they do scheduled visits in major cities). He answered all of my questions. But I’m still worried that am I missing anything.. did I check every detail. This video is a life saver. Thanks @MoneyPurse team.
I am holding Star Health Insurance. But recently a doctor posted that many of his patients with this health insurance faced lot of trouble while claiming. I am not going to renew my policy with star. definitely i will port to another provider. suggestions welcome
Victim of Star health, paid for more than 3 years, later when needed they rejected the claim saying pre existing disease which we really dint know before. I didn’t opt for any other insurance policy then after as I lost hope. Now it’s very difficult to get a policy for my mother at 58 years.
Star health insurance chala problem aythadi chala conditions pedtaru recently hospital ki poynappudu cashless treatment kavali ani aduguthe reject chesaru reimbursement ista ani annaru kani reimbursement lo entha istaro doubt eh.
Sai garu, Excellent explanation and information. Most of the agents or staff who are very casual and not having talent and simply bluff the customers. And insurer in most of the cases won't share pre existing health issues.
Everyone take health insurance as must, yesterday I have been charged 28k for one day admission due to viral fever, 22k is claimed by insurance, have seen so many patients suffering from high amount bills
You could have briefed a bit regarding the final escalation level of insurance ombudsman also which helped thousands during covid crisis when their claims were unjustly rejected by all ins companies. I know quite a few people who were benefited that way. On the whole an excellent analysis Keep it up bro.
Hi Sai Garu, Thanks a lot for this informative video. Recently my mom had one surgery which was done in non-network hospital. I have raised for cash reimbursement. They asked for cancel cheque/pass book. I have already uploaded passbook. Still they are raising the same query. They have raised this query 4 times. Its been around 1week.still the status remains same. I have taken hdfc ergo health policy. Now I have sent an email for customer support about this. Waiting for their response. May i know what is maximum amount of days within which they need to settle the amount.
@@crazyboyzzzzzhumlog5935 Bro, just passbook/ cheque issue ayithe..... just upload the cancellation cheque ne problem 95% solve avudi.....adenti passbook kuda valid document kada upload chesa kada endhuku response ledu ante...na dagara answer ledu..but cancelled cheque update chesi problem solve chesko... mostly ayipodi..
Sai garu super information chala mandiki mi knowledge use avuthundi. Thank so much 🙏🙏🙏🙏🙏 But naku oka chinna doubt andaru individual health insurance gurinchi cheputhunnaru kani GROUP HEALTH INSURANCE GURINCHI EVARU CHEPPADAM LEDU + PRIMIUM THAKKUVAA ANDARIKI USE AVUTHUNDI E TOPIC PAI OKA VIDEO CHEYANDI SAI GARU
Sir నేను మీ ఛానల్ ని మొదటి నుండి ఫాలో అవుతున్న చాలా బాగుంటుంది మీ వివరణ, కానీ మీరు ఈరోజు చెప్పిన పాయింట్ కి నేను agree అవలేకపోయ ఎందుకంటే మీరు పాలసీ బజార్ లో వున్న వాళ్ళ తో మాట్లాడి క్లియర్ చేస్కోవచ్చు అని చెప్పారు అంటే వాళ్ళు wrong selling cheyyaru ani mi నమ్మకమా లేక ఆఫ్లైన్ లో సెల్ చేస్తున్న వాళ్ళ మిద నమ్మకం లేదా . ఇది మీరు పాలసీ బజార్ నీ ప్రమోట్ చేస్తున్నట్టు గా అనిపిస్తుంది. పాలసీ బజార్ లో హెల్త్ ఇన్సూరెన్స్ తీస్కొని వాళ్ళ సర్వీస్ బాగోక ఇబ్బంది పడినా వాళ్ళు చాలా మంది వున్నారు. అలాగే ఆఫ్లైన్ లో పాలసీ తీస్కొని లబ్ధి పొందిన వాళ్ళు వున్నారు. మీ నుండి నేను ఇది ఊహించలేదు.
ఏజంట్లు చేసే ఫ్రాడ్ కూడా చాలా ఉంటుంది... మన సంతకాలు కూడా వాళ్ళే పెట్టేస్తారు ప్రపోసల్ ఫారం లో. (ఇది ABSL పాలసీ లో నేనే గమనించాను . వాళ్ళు చేసే పీరియాడిక్ హెల్త్ చెకప్ at హోమ్ టైం లో ... నా సంతకాల బదులు ఎవడో గీకిన సంతకాలు పట్టుబడ్డాయి)
This is my real experience with "Tata AIA Life Insurance Fortune Pro" policy I have invested 1 lac rupees and didn't track the policy due to confident on TATA Brand After 6 months Track the policy and identified that They have charged 16,500/- from My capital amount where I have invested. Note: Do not go and buy any policy Blindly If you feel that Tata is brand 😢 Hope It may useful for All Money Purse Viewers 🙏
నాన్ సెన్స్ సార్ ఎందుకంటే పాలసీలో ఉన్న పదాలు ఎవరికి అర్థం కావు ఇవి ఏజెంట్ కి కూడా అర్థం కావు అలాంటి పదాలు పెట్టి గొర్రెలు చేస్తున్నారు ప్రీమియం మాత్రం తీసుకుంటారు అంతే కాదు వాళ్లు మెడికల్ చెకప్ కూడా చేస్తారు చేసిన తర్వాత మాత్రమే ఇస్తారు అలాంటప్పుడు ఏదైనా జరిగితే ఎందుకు రిజెక్ట్ చేయాలి వాళ్లకి ఇచ్చేటప్పుడు మెడికల్ చెకప్ చేస్తున్నారు కదా అప్పుడు వాళ్ళకి తెలియదా ప్రీమియం మాత్రం తీసుకొని క్లైమ్ వచ్చినప్పుడు ఏదో ఒక రీజన్ తో ఇచ్చేస్తున్నారు అది ఒక్కటే కాదు అన్ని ఇన్సూరెన్స్ లో అదే తప్పు
ITS same as MY STORY , I SUFFERED IT , Universal sompo general insurance has cheated me and i had to pay 2.8lacs to evya hospital in 2021, diabetes (hypo glycemia)was the problem
I never faced insurance rejections till now....I saved around 7Lacs because of my Health insurance...yes I agree that we need to be carefull when it comes to choosing relevant insurance... By the way I am holding Health Shield 360 from ICICI Lombard....
Hi annaya, meru oka step Miss chesaru, irdai ki complaint chesina Grievances team ke veltadi, akkada response satisfactory ledu ante , we have another step called insurance ombudsman, here the responses are faster & this is purely for insurance cases, i approached them for one of my case & it got resolved & even insurance companies also accepted that. I think nen aa case gurinchi me previous video lo detailed ga petta message, insurance ombudsman gurinchi mana viewers ki awareness evvandi ani.
Hi All, Recently faced issue with Care insurance these days they are approving Partial claims for no reason. It’s my humble request please don’t take Care health insurance or do talk to people who recently took claims . They have worst customer service too . Thank you 🙏 . Shared video Sai Anna
Before taking Health insurance is it good to have whole health check up to ensure what are the health issues we are having if we do not had any health issues prior? So that while taking health insurance we can disclose
Nenu Health Insurance and Term insurance tisukodaniki Ploicybazar lo chustey naku just 10 Lakhs health insurance ki monthly minimum 1350 to 1600 chuspistundi that too this is only for me im not married and my age is 25 also for my parents policy bazaar is showing more than 2k a month. so my family and me have to pay 3k+ and GST, only for health insurance of 10 Lakhs. yearly it costing 36k which is huge and term insurance also showing 1500 for 1.5cr s0 if i include that then it costs close to 50k yearly. that is insane and very huge for the middle class. more of I'm only 25 years old if it shows this much of a huge amount what about others ppl who crossed 30+?
హలో sir, నేను నా బార్య నాకు ఇద్దరు 3 & 2 years పిల్లలు....ఇప్పుడు నేను ఫ్యామిలీ మొత్తానికి ఒకే ఇన్సూరెన్స్ తీసుకోవాలా లేదంటే నేను నా బార్య ఒకలా....పిల్లలకి వేరుగా తీసుకోమంటారా చెప్పగలరు....
Sir, very valuable information. I'll share in my friends group. I have one question. Can we get the total test reports and filled application which were submitted during taking the health insurance policy.
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Protect your Family now with a Health and Term Insurance now!
Pick best Term Insurance here 👉tinyurl.com/4xtsdbbd
Pick best Health Insurance here 👉 tinyurl.com/37za5jbz
Online better than ofline
Share chesham
Hi
Would it be possible to invest some money in mutual funds and to set up withdrawals to pay my parents' health insurance every month from SWP?
ప్రభుత్వ రంగ సంస్థల లను ప్రజల లే కాపాడుకోవలి.సర్విసులను బాగు చేయాలి మనం డిమాండ్ చేయవచ్చు.ప్రజల మాట కు విలువ ఉంటుంది.ప్రవేటు వ్యక్తి లకు మరియు కార్పొరేట్ సంస్థ(కంపెనీలు)లకు లాభపడడానికి కోంత మంది కృషి చేశారు.BSNL ని బలహీన పరిచరు.India post payment Bank లో కూడా term insurance ఉంది.and postal life insurance మరియు RPLI INDIA POST OFFICE కూడా ఉన్నాయి.ఆడపిల్లల కోసం 0-10 సంవత్సరాల వరకు A/Cs మరియు age 0- etc. boys కోసం PPF ACCOUNT S
సార్... నా క్లైమ్ రిజెక్ట్ అయి ఆరు నెలలు అయింది నేను కంప్లైంట్ చేయాలంటే ఎప్పటిలోగా చేసుకోవచ్చు
ఏ భాష మాట్లాడే ప్రాంతాల్లో ఆయా భాషల్లో నియమ నిబంధనలు ముద్రించాలి , దీనివల్ల కొంత నష్టం తగ్గుతుంది, IRDA ఇది తప్పనిసరి చేయాలి
ఇ విషయం పై కోర్టుకు వెళ్ళండి.. న్యాయం చేసిన వల్లు ఔతారు... చెప్పడం సులువు చెయ్యడమే....
చాలా మంది కి‌తెలియని చాలా మంచి విషయాలు తెలియచేసి అందరికీ చాలా help చేస్తున్నావ్ నాన్నా. God bless you nanna.
Insurance policy మంజూరు చేసే ముందే, insuurance company వారే హెల్త్ చెక్ అప్ చేసి పాలసీ మంజూరు చేస్తే క్లెయిమ్ reject అవ్వదు కదా! IRDA ఈ నిబంధన తీసుకుని వస్తే పాలసీ దారులకు ఉపయోగకరంగా ఉంటుంది కదా సాయి గారూ.
There are thousands of diseases and lab reports.. so it's difficult
పాలసీ బజార్ లో ఒక్కసారి ఫోన్ నెంబరు enter చేసారో ఇంకా గోవిందా గోవిందా...
I suggest you to approach insurance company directly or an insurance Broker instead of agent. You have to approach licensed insurance Broker directly to have first hand information.
Nenu chesa naku calls vosthai kani yethanu 😅😅😅😅
Policy Bazaar loki velli Account > Communication preferences > ikkada manam settings change cheskovachu.. I did that, Naku chaala calls ravadam thaggayii
Chala better ok
Enduku anna
Health insurance..1) while filling up the proposal declare all the pre-existing diseases. So that pre-existing diseases are covered after 2/3/4 years of continuous renewal without break up of period 3) go for cash less facility so that you will not be fooled 4) never disclose the sum insured to hospital authorities 5) check the policy for co-pay, limits for particular diseases. 6) if claim is rejected approach ombudsman.
Thank you they do ask for sum insured....😮😮 I will tc not.to.tell
Babu sum insurered chepthene better or else vaalu porapaatuna bill exceed ayithe bokka padedhi meeke
@@Dheerudrledandi . Never reveal. Reveal chestene bokka. They will match bill to your sum insured. Do you think if your sum insured is less they will give discounts or charge less. Big no. Now a days hospitals became heartless.
పాలసీ హోల్డర్ కార్డును బట్టి మ్యాచ్ చేసుకున్న డేటాలో లిమిట్ డీటెయిల్స్ ఉంటాయి కదా
Thank you bro 🤝😊
Really great video, as mentioned last 10 points nobody will discuss
Hi Anna, Meru only claim rejections matladutunaru. But insurance partial payment esthunaru. Recent ga ma dad jan 11 heart stroke vochindi stunt vesaru. Billed amount 3 lakhs but insurance paid 2.46 lakhs , maku policy separate room facility vuna nenu sharing room tisukuna still paid less.
After checking with insurance amount package prakram pay chesamu annaru, hospital valani aduguthe dad ki thread use ekuva chesaru so daniki extra 44000 aindi annaru.
Dad ki mala second stunt vesaru on jan 22 , apudu nenu clear ga hospital valaki chepanu meru bill package prakaram vesthe vunta ledu ante vere hospital pothanu ani chepa.
So they billed 2 lakhs for second stunt and insurance got paid 1.97 lakh.😂
Edi first time kadu nenu ma mother ki elane aindi , ma wife dad kuda elane aindi. Hospital kavali ani over bill chesi pampistharu. Mana emergency ni hospital valu cash chesukutunaru.
HOSPITAL NAME SUNSHINE (KIMS) HYD
@@NAVEENKUMAR-gl2vz
Avunu brother this is happening everywhere....entha insurance unna 10-20% manaki paduthundi.... Okasari alochonchu insurance lekapothe mana pani anthe
Could you tell me the insurance company name which you used or claimed
Hi, if you tell the insurance company name, it helps to us to know and take a policy with more understanding
STAR HEALTH INSURANCE
Anna meru super ga chepparu.... Agents andaru mosam chestharu. Valla targets kosam .. meru suggest chesinatlu policy bazar matram genuine ga policies ammuthunnaru... Grt anna manchiga andharini guide chesthunnaru. Tq
My claim got rejected at pre-auth status in cashless claim.
I called customer support but they said to apply for reclaim. I informed the same to the hospital billing team they said without the proper reason why the claim got rejected we can't reapply again because they will be rejected again. Again I called the service desk. They said the doctor didn't not provided proper info for hospitalization. I asked what info you need and they said the doctor will update that.
Finally my cashless claim got rejected and the insurance company recommended to go for reimbursement. 😢
Can you mention insurance name as well please
చాలా బాగా చెప్పారు అన్న. ఇంకొక విషయం, పాలసీ తీసుకునేటప్పుడు అందరి ఆరోగ్య స్థితి ఖచ్చితంగా తెలుసుకోవాలి. నేను అపుడు హైదరాబాద్ లో జాబ్ చేస్తూ ఉండే వాడిని, మా అమ్మగారికి షుగర్, బీపీ ఉన్నాయి అని డాక్టర్ చెప్పి మందులు కంటిన్యూ గా వాడమని చెప్పారు అంత, మా అమ్మ నాకు ఎపుడు కూడా ఆ విషయం చెప్పలేదు. ఒకసారి గొంతులో ఇన్ఫెక్షన్ వచ్చి హాస్పిటల్ కి తీసుకుని వెళ్ళినపుడు నాకు తెలిసినది, అపుడు నేను కార్పొరేట్ హెల్త్ ఇన్సూరెన్స్ లో ఉన్నాను కనుక ఇబ్బంది లేకుండా నాకు money వచ్చేశాయి. అలాగే మా నాన్నగారికి పైల్స్ కూడా చెప్పలేదు, ఏవో మందులు వాడుతున్నారు. నేను ఇంటికి వెళ్ళినప్పుడు మెడిసిన్స్ చూసి అడిగితే అపుడు చెప్పారు. నేను ఇపుడు US షిఫ్ట్ అయ్యాక వాళ్ళకి హెల్త్ ఇన్సూరెన్స్ తీసుకునే ముందు పది సార్లు అడిగి అన్ని విషయాలు మేజర్ ఆపరేషన్ విషయాలు కూడా ఇన్సూరెన్స్ కి ఇవ్వడం జరిగింది.
Sir final ga em company insurance teesukunaru ma intlo kuda same problems vunnai
@@Telugu-moviemagic123 The new India assurance లో తీసుకున్నా అండి
Awesome. Thank You Money Purse Team 🙏🙏🙏
I took Niva Buppa aspire plan, i guess this the best policy
పాలసీ తీసుకున్న తర్వాత షుగర్, bp రావొచ్చు కదా , మరి క్లెయిమ్ reject ఎలా చేస్తారు.
చెప్పండి సర్
Ditto is providing the info in very understandable english
Must watch video for health insurance policy holders.
Better to bring expert to your program and assign list of questions to help end users.
For eye surgery, current eye hospital asked to get few tests from Apollo Hospital because of my few conditions. Every test was done but it costed 50k and surgery costed 50k. But star health insurance didn't covered the lab tests.
Nenu na best friends 5 members ki share chesanu .
Thanks for the good information
Hi Sai anna health insurance and term insurance videos ani saparta playlist cheyadi anna mi chennal ma lanti lower middle class ki oka dimond anna 🙏🙏🙏 tnx to money purse team..
IRDA should come up with various programs for awareness of policy holders. Most importantly the loopholes which Insurance companies were using to reject the claims and how to overcome etc..
Even, i faced similar kind of rejection with pre existing disease.
I took a policy about a year ago in Care health. And I disclosed diabetes, BP and cholestrol kind of regular stuff which are common with age.
Hospital people wrote that we are using Parkinson disease related tablet since 2 years. And insurance guys just rejected with this reason.
And kept policy also in hold with Parkinson disclosure.
Not sure what needs to be done. Will try to raise a grievience with them .
Please update your experience here sir.
That's perfect explanation. Few more points: (a) Proportionate amount calculation when the patient opts for higher/better room. (b) Ask for co-pay to know your share of amount to pay (c) Ask if Non-medical expeses will be covered or does it need a rider.
Thanks anedi chala chinna mata meru provide chestuna information ki. Thankyou very much Sai Anna and team.
So nice of you
Sai Anna me videos chala baguntai anna
Hi anna,
Meeru cheppina new IRDA REGULATIONS, term insurance policy kuda applicable ha , please tell me
Sai garu, please do a video on migration of existing policy from one company to other company.
TATA AIG IS BEST.... నాకు బాగా హెల్ప్ అయ్యింది....
better in claims and service?
ఏ విధంగా హెల్ప్ అయ్యిందో చెప్పండి సర్
Same happened to me and we suffered a lot . Hospitals loot if they know that we are having insurance.
Thank you for your insightful videos on health policy! They have been incredibly informative. I would appreciate it if you could provide a detailed analysis of the policy drawbacks for each company discussed in your videos. Understanding these cons would help us better evaluate the overall impact of these policies. Thanks again for your valuable content!
Acko platinum plan was good 👍
Insurance Samadhan is a right platform to fight with the insurer those who are trying to reambursement the claim
Aditya Birla Health Insurance good service and good claims
And TQ soo much for this video
I already have a policy but recently was diagnosed with Diabetes. But I’m yet to update it for the insurance company . So what should I do?
You should inform them
Thanks for the information.
If the insurance company approves only part of the billed amount (e.g., 50% or 70%) with a 0% co-pay, what steps should be taken? Should I contact the hospital or the insurance company to address the unpaid portion?
Superb explained sir. Thank you sir
Hi,
Thank you for useful information.
Holding Policy last 2 years.
How can I find out what details is provided at the time of taking out a policy?
U can check ur policy bond Document All benefits and limitations and terms kindly Download the doc ur policy which company ur buy
Sir,
Don't put a thumbnail like this. It says you are in health trouble. I pray for your long health. Instead you can put something like " Is your health policy rejected". Thank you for educating us financially.
views kosam emaina chestaru
Annaaaa.... Suuuper Anna.... Pls go on with videos like this Anna..
Superb timing.
I had a discussion with policybazar RM regarding health insurance policy on Thursday (pleasantly surprised to know that they do scheduled visits in major cities). He answered all of my questions. But I’m still worried that am I missing anything.. did I check every detail. This video is a life saver. Thanks @MoneyPurse team.
They will talk with you well till you buy the policy. Once you buy, they don't respond at all/take many days to resolve your queries
Very important information it is thanks for your efforts.
I am holding Star Health Insurance. But recently a doctor posted that many of his patients with this health insurance faced lot of trouble while claiming.
I am not going to renew my policy with star. definitely i will port to another provider.
suggestions welcome
Yes sir,I am also the victim of star health insurance
Victim of Star health, paid for more than 3 years, later when needed they rejected the claim saying pre existing disease which we really dint know before. I didn’t opt for any other insurance policy then after as I lost hope. Now it’s very difficult to get a policy for my mother at 58 years.
Star health insurance chala problem aythadi chala conditions pedtaru recently hospital ki poynappudu cashless treatment kavali ani aduguthe reject chesaru reimbursement ista ani annaru kani reimbursement lo entha istaro doubt eh.
Brother other options are HDFC Ergo premiums high , check out care and niva bupa too
@@Akshay13134hi bro ,I need some info regarding health insurance can u guide me
Very Informative video bro. Thanks much
Good information anna. And re embarsment , cashless claim step by step video cheyandi. Sai gaaru.
Same thing happened with us .
Niva Bupa , they rejected with silly reason.
Whia is the reason bro
Sir ,you forgot about ombudsman insurance .
We have office in hyderabad chintal.they are very helpful
Sai garu, Excellent explanation and information. Most of the agents or staff who are very casual and not having talent and simply bluff the customers. And insurer in most of the cases won't share pre existing health issues.
hi sir plz explain NHCX explain HDFC ERGO processes its first helth claim on NHCX
హయ్ సాయి గారు చాల మందికి తెలియని మంచి విషయాలు చాలా తెలియజేసారు ట్యాంక్ యు సోమచ్ నేను రెండు గ్రూప్స్ కి పంపించాను సార్
No insurance company should reject our policy once they issued policy. If it continue to happen it lost insurance company credibility
Good video.subscribed.
Thanks..plz suggest good health policy for my parents 60+ age
Care health insurance sir
@@RaghavkrishnaSreerama Thanks
Everyone take health insurance as must, yesterday I have been charged 28k for one day admission due to viral fever, 22k is claimed by insurance, have seen so many patients suffering from high amount bills
You could have briefed a bit regarding the final escalation level of insurance ombudsman also which helped thousands during covid crisis when their claims were unjustly rejected by all ins companies.
I know quite a few people who were benefited that way.
On the whole an excellent analysis
Keep it up bro.
చాలా మంచి విషయాలు చెప్పారు.tqs to mp team share cheshanu anna
Hi Sai Garu,
Thanks a lot for this informative video.
Recently my mom had one surgery which was done in non-network hospital. I have raised for cash reimbursement. They asked for cancel cheque/pass book. I have already uploaded passbook. Still they are raising the same query. They have raised this query 4 times. Its been around 1week.still the status remains same.
I have taken hdfc ergo health policy. Now I have sent an email for customer support about this. Waiting for their response. May i know what is maximum amount of days within which they need to settle the amount.
Timelines for addressing your concerns are mentioned in the policy document itself.
You can go through them once you will get clarity.
@@crazyboyzzzzzhumlog5935
Bro, just passbook/ cheque issue ayithe..... just upload the cancellation cheque ne problem 95% solve avudi.....adenti passbook kuda valid document kada upload chesa kada endhuku response ledu ante...na dagara answer ledu..but cancelled cheque update chesi problem solve chesko... mostly ayipodi..
Bro,
Cam we ask policy Terms & conditions in local language?
Sai garu super information chala mandiki mi knowledge use avuthundi. Thank so much 🙏🙏🙏🙏🙏
But naku oka chinna doubt andaru individual health insurance gurinchi cheputhunnaru kani
GROUP HEALTH INSURANCE GURINCHI EVARU CHEPPADAM LEDU + PRIMIUM THAKKUVAA ANDARIKI USE AVUTHUNDI E TOPIC PAI OKA VIDEO CHEYANDI SAI GARU
They don't get commission so they don't know
Group health insurance is given to companies not for individuals....there is a limit on min no.of employees in the company as well several t&c...
Sir నేను మీ ఛానల్ ని మొదటి నుండి ఫాలో అవుతున్న చాలా బాగుంటుంది మీ వివరణ, కానీ మీరు ఈరోజు చెప్పిన పాయింట్ కి నేను agree అవలేకపోయ ఎందుకంటే మీరు పాలసీ బజార్ లో వున్న వాళ్ళ తో మాట్లాడి క్లియర్ చేస్కోవచ్చు అని చెప్పారు అంటే వాళ్ళు wrong selling cheyyaru ani mi నమ్మకమా లేక ఆఫ్లైన్ లో సెల్ చేస్తున్న వాళ్ళ మిద నమ్మకం లేదా . ఇది మీరు పాలసీ బజార్ నీ ప్రమోట్ చేస్తున్నట్టు గా అనిపిస్తుంది. పాలసీ బజార్ లో హెల్త్ ఇన్సూరెన్స్ తీస్కొని వాళ్ళ సర్వీస్ బాగోక ఇబ్బంది పడినా వాళ్ళు చాలా మంది వున్నారు. అలాగే ఆఫ్లైన్ లో పాలసీ తీస్కొని లబ్ధి పొందిన వాళ్ళు వున్నారు. మీ నుండి నేను ఇది ఊహించలేదు.
Offline lo teeskunte may be konnalla tarvata aa person insurance cheidam apeyochu. Policy bazar is a company andulo unna vallu help chestaru
Shared to 5groups
Manchi usefull important information iccharu annayya. 👌👌👌👌
Please post one video on term insurance claim reject and necessary steps
ఏజంట్లు చేసే ఫ్రాడ్ కూడా చాలా ఉంటుంది... మన సంతకాలు కూడా వాళ్ళే పెట్టేస్తారు ప్రపోసల్ ఫారం లో. (ఇది ABSL పాలసీ లో నేనే గమనించాను . వాళ్ళు చేసే పీరియాడిక్ హెల్త్ చెకప్ at హోమ్ టైం లో ... నా సంతకాల బదులు ఎవడో గీకిన సంతకాలు పట్టుబడ్డాయి)
Great efforts.
This is my real experience with "Tata AIA Life Insurance Fortune Pro" policy
I have invested 1 lac rupees and didn't track the policy due to confident on TATA Brand
After 6 months Track the policy and identified that They have charged 16,500/- from My capital amount where I have invested.
Note: Do not go and buy any policy
Blindly If you feel that Tata is brand 😢
Hope It may useful for All Money Purse Viewers 🙏
నాన్ సెన్స్ సార్ ఎందుకంటే పాలసీలో ఉన్న పదాలు ఎవరికి అర్థం కావు ఇవి ఏజెంట్ కి కూడా అర్థం కావు అలాంటి పదాలు పెట్టి గొర్రెలు చేస్తున్నారు ప్రీమియం మాత్రం తీసుకుంటారు అంతే కాదు వాళ్లు మెడికల్ చెకప్ కూడా చేస్తారు చేసిన తర్వాత మాత్రమే ఇస్తారు అలాంటప్పుడు ఏదైనా జరిగితే ఎందుకు రిజెక్ట్ చేయాలి వాళ్లకి ఇచ్చేటప్పుడు మెడికల్ చెకప్ చేస్తున్నారు కదా అప్పుడు వాళ్ళకి తెలియదా ప్రీమియం మాత్రం తీసుకొని క్లైమ్ వచ్చినప్పుడు ఏదో ఒక రీజన్ తో ఇచ్చేస్తున్నారు అది ఒక్కటే కాదు అన్ని ఇన్సూరెన్స్ లో అదే తప్పు
Sir...health insurance tesukunetapudu manaku diabetis undadu...for example ....aaa tarvata 3-4 yrs ki okavela vachindi anukondi ...daani tarvata 6-7 yrs ki manaki health insurance avasaram ayi use chesukovaali anukunapudu diabetis undani reject cheste ala.....???
Thank you for the video 😊
Valuable information
Good information bro👍🏿
I have shared
5.55 start main topic
Super video sir
even health insurance also
ITS same as MY STORY , I SUFFERED IT , Universal sompo general insurance has cheated me and i had to pay 2.8lacs to evya hospital in 2021, diabetes (hypo glycemia)was the problem
IRDA changes will apply only to the policy holders who took the policy after the changes, or even if we take the policy before the changes??
Please make a video on guide to buy health insurance for parents with age 60+ .
Care
Thank you
You are doing great job sir.
Video starts at 05:46
Great Work MP Team…. MP Team language is very simple ❤
I never faced insurance rejections till now....I saved around 7Lacs because of my Health insurance...yes I agree that we need to be carefull when it comes to choosing relevant insurance...
By the way I am holding Health Shield 360 from ICICI Lombard....
I think you took good care regarding conditions while taking health insurance also little luck is on your favor regarding claims.,👍
Thankyou Sai gaaru
Hi Sai garu please make video about Sahaj solar IPO
Hi annaya, meru oka step Miss chesaru, irdai ki complaint chesina Grievances team ke veltadi, akkada response satisfactory ledu ante , we have another step called insurance ombudsman, here the responses are faster & this is purely for insurance cases, i approached them for one of my case & it got resolved & even insurance companies also accepted that. I think nen aa case gurinchi me previous video lo detailed ga petta message, insurance ombudsman gurinchi mana viewers ki awareness evvandi ani.
Hi All, Recently faced issue with Care insurance these days they are approving Partial claims for no reason. It’s my humble request please don’t take Care health insurance or do talk to people who recently took claims . They have worst customer service too . Thank you 🙏 . Shared video Sai Anna
Sai Garu, Thanks for information...
Most welcome
Good Advice Bro ✌️
Thank you ❤
Good information.. great editing with matching script
Before taking Health insurance is it good to have whole health check up to ensure what are the health issues we are having if we do not had any health issues prior? So that while taking health insurance we can disclose
Which policy is best. My 4 yr daughter is under treatment for leukemia since November 2023
Hello bayya policy thisukunna next days lo claim ithda
Nenu Health Insurance and Term insurance tisukodaniki Ploicybazar lo chustey naku just 10 Lakhs health insurance ki monthly minimum 1350 to 1600 chuspistundi that too this is only for me im not married and my age is 25 also for my parents policy bazaar is showing more than 2k a month. so my family and me have to pay 3k+ and GST, only for health insurance of 10 Lakhs. yearly it costing 36k which is huge and term insurance also showing 1500 for 1.5cr s0 if i include that then it costs close to 50k yearly. that is insane and very huge for the middle class. more of I'm only 25 years old if it shows this much of a huge amount what about others ppl who crossed 30+?
Shared anna😊
హలో sir, నేను నా బార్య నాకు ఇద్దరు 3 & 2 years పిల్లలు....ఇప్పుడు నేను ఫ్యామిలీ మొత్తానికి ఒకే ఇన్సూరెన్స్ తీసుకోవాలా లేదంటే నేను నా బార్య ఒకలా....పిల్లలకి వేరుగా తీసుకోమంటారా చెప్పగలరు....
Family మొత్తానికి ఒకటి
You can take a family floater policy
Sir, very valuable information. I'll share in my friends group. I have one question. Can we get the total test reports and filled application which were submitted during taking the health insurance policy.
Money Purse , which Health Insurance policy you suggest for senior citizen above 50 and for adults 27-30 age people ?
Good information thanks bro share chasitha
My health insurance also got Rejected Navi health insurance
Very Informative and useful. Shared the Video to my family and friends.
Sir, first corporate hospital close chese govt hospitals increase cheyali.
Salute for providing valuable information to society.
Thank you. I have shared it with all my family groups