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.
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
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.
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!
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. 😢
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
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..
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.
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.
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?
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.
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 .
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..
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.
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
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.
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..
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.
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.
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.
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
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
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
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.
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)
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+?
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
ikkada matter enti ante..... meeru insurance details lo complete details theesukoni ... agent tho discuss chesthe... andulo sagam points... agent ke theliyadu.... especially in new policy regarding health checks, porting chesetappudu unna clauses, alaaane Bank issued policies Vs conservative policies, etc... agent nammukoni mari policy theesukovaddu.... detailed ga compare chesukoni, features chooosukoni, theesukovali... even intha home work chesi theesukunna.... CLAIM chese varaku no one knows, if that company and policy is meeting your needs or not... simple ex. HDFC insurance pedda company ayyina... recent news lo vaaale fake doc's petti mari reject cheyyadaniki try chesaaru... so everyone's individual experience is matter..
Hi sir which policy you want. Health policy Pure term policy(premium non refund) Term plan ( premium refundable) Investment with protection ( Several benefits available). Please select which one you want I can send you the best quotation for you. Thank you
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 🙏
The company that offers a term or plan will be accountable for disability, even if it's not caused by an accident, such as paralysis, and if any surgery is disabling, such as brain surgery.
Vedio liked, and I am the subscriber from a long time. I never missed any videos by your group of channels. Your vedio content is so unique and helpful for the individuals who really care finance.
Ala evaru chepaleru bro....oka policy better Ani...its just like selecting a shirt.. Every individual needs different ga untay.. each person requirment batti tiskovali..
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
Anna, naku oka doubt. Nenu health insurance tisukoni 3years aindi. Now I am diagnosed with bp. Should i need to update my insurers about my current health conditions.
Health insurance thisukune munde edaina disis vunte Health insurance company ki cheppaledu aa disisku 5yrs tharvatha clim avuthunda Ex.shugar, cancer Ripley
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
Tata Aig is the best, ma mother ki cashless accept iyindhi for 5.2 lakhs, for heart problem and multi organ failure. tanaki pre existing diabetes kuda undhi. Ma policy lo Astha, BP, Cholesterol, Diabetes diseases ki pre existing problem ledu
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.
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....
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
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
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
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!
TATA AIG IS BEST.... నాకు బాగా హెల్ప్ అయ్యింది....
better in claims and service?
Better to bring expert to your program and assign list of questions to help end users.
Ditto is providing the info in very understandable english
Awesome. Thank You Money Purse Team 🙏🙏🙏
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
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
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..
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.
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
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?
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
Nenu na best friends 5 members ki share chesanu .
Thanks for the good information
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.
Very important information it is thanks for your efforts.
Must watch video for health insurance policy holders.
Very Informative video bro. Thanks much
Insurance Samadhan is a right platform to fight with the insurer those who are trying to reambursement the claim
Sai garu, please do a video on migration of existing policy from one company to other company.
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.
No insurance company should reject our policy once they issued policy. If it continue to happen it lost insurance company credibility
Superb explained sir. Thank you sir
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..
I took Niva Buppa aspire plan, i guess this the best policy
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
Annaaaa.... Suuuper Anna.... Pls go on with videos like this Anna..
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.
Good information anna. And re embarsment , cashless claim step by step video cheyandi. Sai gaaru.
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
Thanks it’s really informative
Thanks..plz suggest good health policy for my parents 60+ age
Care health insurance sir
@@RaghavkrishnaSreerama Thanks
Aditya Birla Health Insurance good service and good claims
And TQ soo much for this video
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
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..
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
Same happened to me and we suffered a lot . Hospitals loot if they know that we are having insurance.
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
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.....???
Same thing happened with us .
Niva Bupa , they rejected with silly reason.
Whia is the reason bro
హయ్ సాయి గారు చాల మందికి తెలియని మంచి విషయాలు చాలా తెలియజేసారు ట్యాంక్ యు సోమచ్ నేను రెండు గ్రూప్స్ కి పంపించాను సార్
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.
Acko platinum plan was good 👍
Bro,
Cam we ask policy Terms & conditions in local language?
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.
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
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
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??
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
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.
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)
You are doing great job sir.
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+?
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
Shared to 5groups
Great efforts.
Good Advice Bro ✌️
ikkada matter enti ante..... meeru insurance details lo complete details theesukoni ... agent tho discuss chesthe... andulo sagam points... agent ke theliyadu.... especially in new policy regarding health checks, porting chesetappudu unna clauses, alaaane Bank issued policies Vs conservative policies, etc... agent nammukoni mari policy theesukovaddu.... detailed ga compare chesukoni, features chooosukoni, theesukovali... even intha home work chesi theesukunna.... CLAIM chese varaku no one knows, if that company and policy is meeting your needs or not... simple ex. HDFC insurance pedda company ayyina... recent news lo vaaale fake doc's petti mari reject cheyyadaniki try chesaaru... so everyone's individual experience is matter..
మంచి పని జరిగింది... మీదాకా వస్తే గాని తెలియలేదా...
Great Work MP Team…. MP Team language is very simple ❤
Valuable information
Sir, first corporate hospital close chese govt hospitals increase cheyali.
Good information bro👍🏿
Tell me best policy brother
Hi sir which policy you want.
Health policy
Pure term policy(premium non refund)
Term plan ( premium refundable)
Investment with protection
( Several benefits available).
Please select which one you want I can send you the best quotation for you. Thank you
Sir ,you forgot about ombudsman insurance .
We have office in hyderabad chintal.they are very helpful
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 🙏
Which policy is best. My 4 yr daughter is under treatment for leukemia since November 2023
Money Purse , which Health Insurance policy you suggest for senior citizen above 50 and for adults 27-30 age people ?
చాలా మంచి విషయాలు చెప్పారు.tqs to mp team share cheshanu anna
The company that offers a term or plan will be accountable for disability, even if it's not caused by an accident, such as paralysis, and if any surgery is disabling, such as brain surgery.
Vedio liked, and I am the subscriber from a long time. I never missed any videos by your group of channels. Your vedio content is so unique and helpful for the individuals who really care finance.
Hai సాయి అన్నా
చాలా మంది మిడిల్ క్లాస్ కుటుంబాలకు ఇంత అవగాహన ఉండదు కాబట్టి అలాంటి మాలాంటి వారికి మీరు suggest చేసే ఒక పాలసీ కోసం చెప్పండి అన్నా...❤
Ala evaru chepaleru bro....oka policy better Ani...its just like selecting a shirt.. Every individual needs different ga untay.. each person requirment batti tiskovali..
5.55 start main topic
Super video sir
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
Salute for providing valuable information to society.
Thank you. I have shared it with all my family groups
Anna, naku oka doubt. Nenu health insurance tisukoni 3years aindi. Now I am diagnosed with bp. Should i need to update my insurers about my current health conditions.
I'm corporate software employee and company providing health insurance still should I need to take health insurance
Yes
Yes take policy outside...
Last irda 10 points appud nunchi apply avuthai ?
hi sir plz explain NHCX explain HDFC ERGO processes its first helth claim on NHCX
Very Informative and useful. Shared the Video to my family and friends.
I shared this video to my colleagues
So nice of you
Health insurance thisukune munde edaina disis vunte
Health insurance company ki cheppaledu aa disisku 5yrs tharvatha clim avuthunda
Ex.shugar, cancer
Ripley
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
Tata Aig is the best, ma mother ki cashless accept iyindhi for 5.2 lakhs, for heart problem and multi organ failure. tanaki pre existing diabetes kuda undhi.
Ma policy lo Astha, BP, Cholesterol, Diabetes diseases ki pre existing problem ledu
Name of policy ?
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
My hard salary earned money lossed due to family health issues in 2016&2021
Manchi usefull important information iccharu annayya. 👌👌👌👌
I have shared
Sir edina company ముందే హెల్త్ చెక్ చేసి పాలసీ ఇచ్చే కంపెనీ ఏదైనా ఉందా
Thank you team
Please post one video on term insurance claim reject and necessary steps
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