Middle Class People Should Watch| Health Insurance in India by Mr. Bhanu Gurram Telugu Podcast Ep-48
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- Опубликовано: 18 май 2024
- In our latest Telugu podcast episode of #RawTalks, we venture into the nuanced domain of insurance with Mr. Bhanu Gurram, Co-Founder at Ditto Insurance & Finshots.
With Ditto - Insurance made easy
Spam-free Insurance with Ditto -bit.ly/4d5JMzh
Apply for Advisory Role at Ditto [English + Telugu] - bit.ly/441ys31
We explore a myriad of topics ranging from funding dynamics to the intricacies of claims investigation and the prevalence of hospital frauds in insurance claims. Through this candid conversation, we aim to demystify insurance practices and empower listeners with valuable knowledge about safeguarding their financial interests.
During our discussion, Mr. Bhanu Harish sheds light on how Ditto secured funding from Zerodha’s Nikhil Kamath without substantial revenue, providing insights into the world of startup funding and strategic partnerships. We also delve into the meticulous process of claims investigation after unexpected deaths and the rampant frauds in hospitals involving fake admissions and inflated charges, uncovering the challenges faced by insurance providers and policyholders alike.
Here's a breakdown of the key points covered in this enlightening episode:
- Funding Dynamics: Securing investments without a developed product or substantial revenue.
- Claims Investigation: The intricate process of verifying claims and detecting fraudulent activities.
- Hospital Frauds: Exposing scams involving fake admissions and exaggerated medical bills.
- Specific Body Part Insurance: Exploring the possibility of insuring individual body parts for celebrities.
- Natural Calamities Coverage: Understanding insurance coverage for acts of God and disasters like floods.
- Perception Challenges: Addressing negative perceptions and misconceptions about insurance agents.
- Regulatory Impact: The influence of IRDA regulations on insurance companies and policyholders.
This insightful conversation provides a comprehensive view of insurance practices, fraud prevention measures, and the importance of making informed decisions when it comes to financial security. Tune in to gain valuable insights and equip yourself with essential knowledge about navigating the insurance landscape effectively.
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#telugupodcast #businesspodcast #rawtalks
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What We Discussed -
00:00 - Introduction
03:13 - Funding From Nithin Kamath
14:38 - Why & How Ditto?
23:50 - Insurance Scams in India
27:41 - How Insurance Companies avoid Frauds from customers
38:15 - Misinterpretations to check while claiming Insurance
40:53 - If not through agents, how can a common man buy an insurance policy?
43:49 - Bahubali Set Insurance!
48:12 - What is Insurance & Importance in generic terms
50:34 - Smart Investing Vs Insurance
51:31 - Term Vs Life Insurance
56:37 - Actress Sridevi’s Life Insurance
59:51 - Body parts’ Insurance
01:02:51 - Gopala Gopala/ OMG movie
01:05:50 - Can we trust Insurance Agents?
01:10:53 - How is Nithin Kamath as an Investor?
01:15:28 - Why not build from the same company?
01:21:48 - How is "No-Target" process working?
01:31:10 - Points to note while buying an Insurance
01:38:50 - Can we change Policies later?
01:40:24 - Advice for Finance business
01:41:45 - Inspiration & Takeaways
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Why Telugu Podcast ?
I am dedicated to providing informative and educational content to my audience on RUclips through the 1st Ever Telugu Podcast Channel.
My goal through these podcast is to give a deeper understanding and exposure to various topics that can be beneficial for my audience. I believe in making this knowledge accessible to our Telugu community. I aim to empower and educate them by providing them with the same level of information and resources as anyone else.
I will be creating content that covers a wide range of topics, including but not limited to marketing, digital marketing, decentralised marketing, business strategies and personal development.
I will be inviting guests from different niches to provide diverse perspectives on the subject.
I understand that knowledge is power and with the right information, my audience can make well-informed decisions, improve their skills and achieve their goals. I am committed to being a reliable source of information for my Telugu community and to help them to grow both personally and professionally.
Join me in this journey of learning, growing and empowering ourselves and our community.
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Connect with me -
Instagram: / thevamshikurapati
Website: rawtalks.in/
LinkedIn: / thevamshikurapati
Twitter: / vamshikurapatik
Facebook: / vamshikumarkurapati
Email: business@rawtalks.in
Spotify: podcasters.spotify.com/pod/sh...
For those who have been asking details to reach Ditto:
Spam-free Term Insurance - bit.ly/4d5JMzh
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Apply for Advisory Role at Ditto [English+Telugu] - bit.ly/441ys31
Watch mukundhan unni Krishnan movie related to insurance scams, it will be more interesting but not sure whether it is possible or not
Ann Rural Development gurunchi oka topic meda oka podcast
@rawtalkswithvk - don't interrupt podcasts with your silly jokes and answers. Thanks for the good video. Keep doing...
Bro , our community would love to hear☺️ if you could get someone from an agriculture background to talk about their problems .
Hi raw talks team, if you can make 5 to10 min clips important which should reach the people it can help people to reach your hardwork not go like that it's an suggestion
Vamshi consider this as a feedback.let the guest complete explaination. At 59:12 he is finishing explaining something, but you immediately started saying an example from your end, immediately after finishing the example you immediately switched to an another topic of insuring a body part by ronaldo. The continuation of guest speaker after 59:12 was disconnected with your example. Let the guest speaker talk and complete things. You are doing a great content . I just dont want you to overlap when guest speaker is talking. Hope this feedback is considered.All the best vamshi👍🏻
About say almost same thing
Exactly please consider this suggestion
Yes
He will never listen and will never stop interrupting what guests is saying..
Even I feel same in every podcast, though his content is his nice seems he is trying to prove himself that I know everything and has better knowledge than guest. Of course he has a good knowledge but it is not time to show case.
The only podcast channel in TELUGU community ani content meedha compromise kakunda quality content chesthunnav bro
Hats off 🤌🙌
Big thanks for your support! Keep watching!!!
Please do publish the names of genuine insurance companies who are good at (100%) claims settlement. Hope the Indian's don't find at least one company 😂
@@sooryaraj6685 it's one of the most imp metrics while choosing insurance therefore it's published/highlighted the most on all aggregators 😄. Max life when it comes to Term and HDFC Ergo for Health insurance if I'm not wrong!
@@rawtalkswithvk Hi Bro, I have an app idea 💡, and I also have the funds for development and marketing. The only thing is, I'm not sure about the process of where to start and what the rules and regulations are, especially for Telangana and Andhra Pradesh. Additionally, I live in the USA."
Ditto kuda mana telugu valladhe....telugu supremacy.. 🔥🔥🔥💥
Yeas🙌🏻
Its better than G**** supremacy.
@@rawtalkswithvkyou're really doing a great job. I'm learning a lot of things through your podcasts. Please continue to do so!
And Telugu entrepreneurs andarini tiskurandi, kudirinantha varaku break iddam❤. Monna MIVI, ivala Ditto.
Idiot template ..mandhey idhantha ...@@rawtalkswithvk
India lo chala manchi startups unnayi, chennai man built Pepul app like facebook, deniki already 3M downloads, and Quora lo I met a telugu guy building whatsapp alternative called Altnine, chala manchi apps chala mandi chestunnaru, future lo India power chala undabothundi
I bought my both term and health insurances from Ditto few months ago because of one and only one reason strictly No Spamming. They are a no nonsense straight to the point aggregator. Surprised to know one of the founders is a Telugu. Great job guys 👏🏼👏🏼
మంచి దమ్మున్న మనిషీవిర కానీ తెలియని పోరాటం చేస్తున్నావు.... మరీ జాగ్రత్తగా ఉండాలి....
Health insurance chala important now a day . One year back andharam Health ga vunam ani Health insurance andhuku anukunam but Recent ga ma mother in law ki sarcoma cancer Operation ayide total ga maku 11 lakes experience ayide... ma saving zero ayide and remaining loans tesukovalise vachide ... please everyone must take Health insurance...
Small request ..
Oka manchi doctor or dietician tho night shifts chese employees ki healthcare topic mida video chey bro ...
Vammo chachipotham bro video chuse😢
Plz do it
Yes please do it this is really helpful for night shift employees
My new hobby is watching your podcast 😃 really RAW TALKS
Mee too
Kick ichinav bhayya🫶🏻🫶🏻😜😜
Sudha Murthy garini podcast chayi bro.
😮
ఆశకి హద్దు వుండాలి గుద్దకి సిగ్గు వుండాలి విని ఫేస్ కి సుధ మూర్తి 😂😂😂
😂
The podcast and the information which should need to be consumed each and every citizen. Coz these are the things don’t teach in schools and colleges.
Thank you so much! That's great to hear
Thanks! Glad you found it insightful!
The ONLYYYYY podcast's or a youtube content / channel that I listen to without being bored is yours and it is very informative. And I never post a comment on anything but I had to do this. Highly appreciable !!!!
Means a lot 🫶🏻🫶🏻
Keep supporting❤️
Bhanu gari business ethics and values matram super asalu.... Vamsi garu ilanti vallani inka meru prapancham ki parichayam cheyalani expect chestunam as you are in this field.
was a big fan of shrehith because of Finshots and now co-founder kuda telugu guy ani telisaka .. respect perigindi on Ditto and Finshots
🙌🏻🙌🏻
I follow finshorts sinces 2 years back it was nice. i feel great to know that one of cofounder is telugu people.
Yes!! Hope you found the podcast insightful!
This podcast is very useful who are facing many issues while taking insurance👏🏼👏🏼
Vamsi bro miru pod guests tho ala ela adapt avutunaruu
Ento oka 10 yrs nunchi frndship unnatha free ga matladutunaruu
Super ❤❤❤❤
HI Anna i m 20 years old Na life lo Nenu Nak istam ayina movie kuda skip cheyyaknda chudala nee podcast chustunna anta length video ayina nak anta nachayi bro keep it up ❤️
Following Finshots Since 2Yrs And Its definitely One Of My Favorite News Letter.Used To Watch Them Writing About Dittos insurance At The Start Of Every Newsletter Which I Skip.But Never Knew That One Of The Co Founder Of Finshots & ditto Insurance Is From Telugu!
Generally I don't watch RUclips videos completely but in this channel this is second podcast in a day that I completely watched. Keep going on and bring the good content to all of us.
Thank you VK bro & Team.
I am in plan since about a week to 10days to buy Star Health insurance for my Parents. I thought of making payment this weekend to an Agent.
But after Bhanus conversation I feel like he is very genuine at what he is serving. When I checked the Podcast length this long I thought i will drop in middle but the Genuinely talk holds me. So immediately dropped a message in Ditto. I'm going to make my decision based on Bahnu's Team valuable suggestion now.
🤩I'm not sure about others but for me this is perfect time to know this information All the very best both of you 👏🙌👍
This is the first time ever I am commenting on a RUclips video in the last 13 years. And I am glad you made this video and learned a lot from this episode. Thank you so much for making this and please continue doing more knowledgeable and important topics like this.
Really glad that you guys are liking such content🫶🏻
And definitely will keep this going and get more better episodes!!!
I have watched this podcast fully without skip.. Very useful information bayya... Thankyou...
Really anna insurance lo kuda enni types vuntai ani assal anukole anna..this is really awesome podcast anna...❤
Mr. Bhanu Sir has a veryyyyy sweet 😊philosophies, they really follow all the ethics n values.. HIGHLY APPRECIABLE PERSONALITY
Everyone learning in college same subject only but society totally difarent but u r doing what's going on society open book in U r vedioes, I love it. I can learning lots of knowledge thank you bro
First time in my life watched a podcast and completed the whole podcast. Thanks for information on insurance. And I am RCB fan too... Ee Sala Cup Namde.. 🎉
Much love for the support! ❤️
Thank you VK ❤ for upbringing inspiring personalities at the same time making us to awake and aware of things which are utmost important.
nice podcast Vamsi garu. Co-incidentally last week I've approached Ditto for insurance advice. After the discussion, there has been not even single spam call. very happy service from them. 👏
Thanks anna naku chala knowledge vachindhi hope it will be useful
Anna ela anna intha manchi content estunaru very good podcast and informative. Good luck to you and your team vamsi anna.
Thank you so much annaya for your help and knowledge sharing
I tried ditto twice but I could not take the step of taking the insurance policy due to procrastination. I have so much confidence now in ditto after this poscast, understanding the philosophy from the founder. Kudos. I also tried PB but loads of spamming...focus on selling ..what happened to Byjus? I dont think these start-ups in sensitive spaces like education and finance should run like sales machines, rather they should run on trust and values.
Usally any podcast of 2 hours I feel 1 hour will be of important content but ,After watching this just 45 minutes my brain was cracked out . Every second was filled with precious information.
Hope it continues
I really love the values of ditto which I'm looking for. Huge respect to ditto. Best startup I've ever seen.
Ditto is also a brokerage
Preferring direct company through agent or employee is far better than Brokerages.
I know everything about Ditto before but I don’t know that it’s started by Telugu people huge respect to Raw talks and Ditto love you both of them and you guys of course getting source of income but not spamming anyone and mainly adding value to the people lives you have choosen social service as an carrier without changing core values
Such a useful information that one must know. Thank you Raw talk for sharing.
Please do a podcast with aquaculture industry expert
Hi VK, good to know that you are of CA fraternity and coming up with this out of box idea of podcasts. Inspiring and keep continuing ur good work. One suggestion is you are dropping multiple questions at a time mark it and ask pne by one. Thank you
The best podcast I've ever come across on your channel. Thank you, Vamsi 😊
Thanks for listening!!!
Good information. Clear and detailed insurance podcast.
One suggestion to Raw talks. Please do a podcast with common public (mostly middle class) let the world know about there idea 💡 & thoughts. Welcome them & give some importance. I do want to share a business model with co-founder Bhanu Gurram ( Ditto ) as I feel he can understand the importance of the business model & share with public to save there valuable money & health. Raw talks can reply if want to know & be a part of good things
Thanks for this podcast to VK and Team especially to the Bhanu gaaru for enlighten us regarding this topic.
Very good podcast
Nen policy bazaar and ditto lo calls schedule chesukoni matlaada i clearly see a difference
And ditto is doing a great job
Thanks for the podcast once again vamsi bro
Raw talks supremacy❤
🤞🏻🙌🏻
"Be true to yourself" is very heart touching Tag bro.... I really enjoyed this video as it is informative.
Brooo naaku actual gaa e finance & insurance medha antha idea ledhu asaluu e podcast chuse mundhu varaku kuda telidhu but e podcast chusaka direct gaa ditto loone work cheyalanipisthundhii anthalaa echi padesavv podcast super asaluu🫡 kastha nee side nunchi refer cheyy broo ditto loo kiii😊
Nenu Maximum Hindi Podcasts Chustunta Anna Endukante Telugu Antha Quality Ga Interested Ga Yevr Cheyaledu Ani Na Opinion But Telugu Lo Raw Talks Lo Oka Podcast Chusa Oka 1 or 2 Months Mundu Taravata Pratidi Bell Icon Ki Vachela Petukuna Antha Baguntunai Vamsi Anna Podcasts e Comment Cheyadanki Reason Bhanu Garu Chala Nerchukuna Bro.
Thanks Raw Talks Team Brothers🫶
Day by Day content in your podcast is crazy bro.. Keep rocking 🎉
Good information bro.. Please do one video regarding multi level marketing... అమాయక ప్రజలు తమ విలువైన సమయాన్ని మరియు డబ్బులు వృధా చేసుకుంటున్నారు
Thank you for sharing very informative podcasts through your platform...i sincerely thank you for the content..your commitment for the content may help u increase subscriber base and financial base..
i am so happy really very helpful podcast
Thank you so much bro 👍 it's very informative vedieo 😍
Informative Podcast anna... And Respect towards Bhanu anna....
great vamshi bro ellanti inka chala chai eppudu varku insurance gurinchi okka mukka teliyadu ne podcast valla chala nerchukunanu. do more videos, and keep going love from subs
Everyday I listen to your podcast while driving to the office and back forth. Great content in each and every video.
Much love for the support! ❤️
Kudos to Mr. Bhanu and VK
1:15:00 types of licenses
Main things to look for in Health insurance:
* Floater policy vs individual policy.
* Good room rent capping limit /private room etc (because all other treatment cost that insurance company reimburses depends on this).
* Copay limit (limit before which insurance even "discusses" the amount they will consider. Not even give but consider)
* Pre existing illness waiting time
* Network hospitals and claim ratio
* Disease wise sub-limits (For some operations there are sub-limits. For example, there might 10lakh coverage but for that surgery only 2 lakhs is limit)
1:39:40 porting of Insurance to not have waiting period
Actually you are educating many from these videos ❤❤
Oka chinna suggestion meru oka person ni guest anukunappudu you will prepare with the questions in a particular topic to address kada so appudey community lo next ee topic anukuntam mee queries cheppandi ani post cheyandi so that views peragachu , content akkuva vastundi and maku akkuva knowledge vastundi 😁
Nice podcast whichever I saw before thank you
Thanks for providing this podcast i have got more information about the insurance and stocks .I will force my family to take insurance.keep going and bring a podcast for software jobs before covid and after covid.and why recession became
Best podcast till now in our Telugu community ❤ Thank you bro...keep making people Conscious
Super Vamsi Bro. This podcast is raising the bar from episode to episode. Keep growing and bring more informative videos in our regional language. Thanks, brother for you and your team 👌👌👌👌
We’re grateful for your support, Thank you!
Big fan of ur talks work sir
thank you very much for bringing us the knowledge on different topics..
Thanks for checking it out💯
Bro eagerly waiting for your podcasts.... Actually addicted to many podcasts in RUclips... Your channel is one of them... Twaragha video pettu bhayya... Waiting ikkada
Lots of thanks
Bro ur broadcast r awesome...... Thank you so much fr the information vasmi bro❤
One of best content saw in youtube my life very interesting
One of the best video vamsi bro
Thanks! Stay tuned for more!❤️
Vk great podcast evry one will tack insurance
Very useful information for all,Thankyou
verymuch
Glad you enjoyed it!
I really liked it.. i was looking for finding good health insurance policy. Great conversation..
Thank you!
Have watched the total video without missing and have gained some knowledge. Thank you for the information.
And am RCB fan 😊
The only podcast channel in Telugu .
Giving very useful knowledge to people,I have interest to know about investments and savings Your channel is giving very detailed information about anything, seriously watching your videos is it becomes my hobby, I have intrest to know about new things for that your channel perfect 😊
We’re grateful for your support, Thank you!
The problem with health insurance is hospitals billing amount will be different for insured people. They will charge twice the price for the same treatment when you go for a claim
Established hospitals don't do that because even they know that insurers honor the payments subject to the legitimacy of the policy. If you state all true facts at the time of buying then there should be nothing that stops you from claiming the expense as long as it's covered under the policy.
Even if there's a slight price increase, it'd be to a max of 20% (or) you can even say that if that certain hospitals might provide discounts as long as you are not taking the insurance route.
Eye opener, specially on few aspects. Great job vamshi
Glad you enjoyed it!
Very Good Ethics. Impressed to have such kind of persons
Thank you for the information….!!!
Can you provide a podcast on claiming of taxes for IT employees and who are working as a freelancer or B2B contractor
Great podcast
RCB ❤
Thanks for the nice podcast
Great , its only values that runs business in the long run
Hi , very good content . Point to point everything clear-cut answers.❤
Truly appreciated, Thanks! 😊
Hi annaya this is most useful podcast for me but I want more details information about different between health insurance, term insurance, and life insurance and etc.
Thank you for giving such good information sir❤
Keep watching🙌🏻
Hey Ravi.. do something from recruitment.. as I am from the same industry.. I can give you some inputs
I watch all your videos.. they are awesome and transparent
Vamshi good work.
Need to do more analysis or research on insurances, u asked very basic questions you haven't covered many topics in insurances which is useful for many of our Telugu people and everyone.
Anna content matram super every podcast is super informative but chala lengthy undi podcast length taggisthe enka ekva chala mandi chusthru
Thank you so much Vamsi & Co team for this knowledge sharing. Actually I have a plan to buy a Term Insurance after watching this video, I got cleared. Now I decided I will take 1cr policy. Once again thanks a lot. Big fan you🤗🙌🙏
Thanks for watching!
Thanks for the information and guidance for insurance
Thanks! Glad you found it insightful!
Best podcast ever watched ❤
So glad you enjoyed the episode!
Very informative podcast . Thankyou RAW TALKS❤
Seriously they don't give any call backs in ditto untill unless we request. Quality business they are doing
Worth full time spending on social media
Really
Vamsi bro ❤
Your videos reaching to many rural areas, which is very important.
Most needed knowledge are delivering to rural areas ehich leads to enlightenment of society.
Wow, Thanks for the amazing feedback!!!
Klm fashion mall founder tho podcast cheyandi
The only podcast channel in TELUGU community ani content meedha compromise kakunda quality content chesthunnav bro
Hats off....5k follower ayyanappudu anukuntanu ninnu follow ayyanu .. but ippudu peaks ...elaa mariinni videos cheyyandi anna
Thanks from our entire team!
Best information video so far, this should reach to many people.
Thanks a ton! Spread the word! 🤞🏻🙌🏻
Super ga cheparu...Bro.
RAW TALK ON POLAVARAM PROJECT Please,...........