Adding some point as per my 8 year exp in Health Industry I suggest to my customer when ever they don't feel good better to take One OPD from Govt Hospital ( In Rajasthan its free of cost) , whether you are not taking that treatment medicine which is free of cost by Govt but for documentation it worked very well . Don't try to hospitalize directly in emergency for seasonable disease at least , take OPD any network hospital near to them that fee not more than 200 rs generally to avoid big amount claim Client mostly take medicine to unauthentic ( Farzi) Dr or take medicine from direct to shop but they don't follow the steps . At the end of day claim are settled basis on documentation not to emotional basis . Follow these steps regularly my accuracy to approve customer claim has gone 95% in last 5years .
I dont know what others point of view regarding Navi health insurance but for me...Navi health insurance is best...Recently my 2 yr old son hospitalised for 18 days...The bill amount was 1.3 lacs..& it was cleared within 2 hrs through cashless..I didnt pay a single penny...
Main khud medical billing me hu ye sab ye bta deta hu insurance lete waqt sari detail read karein kyonki insurance company kuch percentage claim deti hai or sab ka alag alag hota hai
Yes, mera bhi star health insurance ne claim reject kiya tha ye bolke ki patient ko OPD treatment se thik kiya ja skta tha... maine CIO me complaint kiya aur claim amount mila.. lekin 12 महिने लगे case decide hone ko. Lekin finally amount mila.
Insurance companies have to mentions clearly like this video. and all government insurance companies officers and staff don't have any work 1. selling agents, 2. claiming agents, 3. approving TPS No R&D since many years.
respected sir / madam, media,organisation Special request to create content on disable people related subject and topic. 1) What is disability. Types of disability and its categories and subcategories. Causes of disability. Previous measures to reduce disability. 2) special information on person with disability act in India/government policies. And reservations in job and education. 3) importance of accessibility in the basic infrastructures, and public transport.Assistive devices ,mobility tools. Healthcare and medical tools. 4) Education ,Training, Arts, Skills, Sports, literature, Materials and Means of Livelihood , business opportuniti, science and technology using by disable. 5)Contribution and importance of CSR Trust Society, an NGO working for the disabled 6) Social issues faced by persons with disabilities. How a family takes care of a disabled member, how a disabled couple spends their family life. Caste religion cult is a crippling view of social factors, Attitudes and of Indian citizens towards disabled citizens. +)The important objective of creating this special literature is to create awareness about persons with disabilities among the population, individuals in particular and the general public.
Mera Bhai ka corona ke time pe COVID huwa tu private hospital mei admit huwa tha baad mei oriental insurance ne claim reject kor diya, ye bolke ki Doctor ne Kahan ki patient serious Nehi tha Ghar mei ilaj lene se bhi thik ho jata। Lekin hamare Ghar mei 78 saal maa hei aur mere bhai ka 4 saal ka batcha bhi tha uos samay
Family main poda leka 1 hadmi ka hai ager oska hee tho kon itna jamela Carey kore ga.....iss se bether he sip korlo ..or 40 badh hi big problem hoga tho 10 sal sip kor Lena accha hai
I never knew about this in depth claim process. I have immediately shared this video with my policy Nominees, Family and friends. Thank you sharing knowledge😊
Reasonable and customary charges are applicable to compare cost of same type of hospital. Dont compare 3 star cost with 5 star vost of treatment. Dont be mislead.
Mera Clint ka bhi claim ye bol kar reject kar diya aap OPD me apna ilaj kara sakte th,fir mere clint ne muze bataya,maine dr. Se baat ki or unko bola apne admit qu kiya,jab opd me ilaj ho sakta th,fir dr.ne bhi support kiya or unhone ek justify letter bana kar company ko mail kiya ,or company ne claim pass kiya...
Which are the best companies to have health insurance? As per my best of knowledge it is important to know a person from the company to have good settlement claims
Just a thought - If you are young, fit and have a source of income, then create an sip of 30,000 rupees per year instead of buying health insurance. Assuming you don't get any diseases from hereditary, you won't need major health surgery until your late 30's or 40's. Even if a sudden expense from road accident happens, you have your health insurance from job. In 10 - 20 years of time, those sips can generate good sum of money which you can use without any problem. This seems better than getting your claim rejected and running after consumer court.
@@Bankniftysurgeon That's why the idea is to let the money compound for 10-15 years and manage your hospital bills via company insurance. I mean its just a thought. Not sure how practical it is.
All those who were claiming to have availed cashless facility from Navi health insurance should definitely try lottery ticket, Also, there are high chances that you might win.👍🏽
Great Video. God bless you for an innovative topic. For narcotic drugs hair keratin is used but it’s usually not started for general lab tests. But false declaration is most idiotic thing.
Care Health Insurance Last Month rejected my claim. My Son was admited in emergency for high fever and typhoid however they rejected spying that it can be treated in OPD. I am now looking to switch.
मेरे शरिर पर हिटर कि टाकी गरम पाणी गिर गया तब मै निंद में था हॉस्पिटल मे ईलाज करवाया मगर मेरे टेस्ट लॅब में किए गये रिपोर्ट इंशोरन्स कंपनी को भेज दिए है पर अब इंशोरन्स कंपनी कहती है कि पॅथाॅलाॅजी में क्यूँ नहीं करवायै ईस वजह से मेरा क्लेम रिजेक्ट हो सकता है यह इंशोरन्स कंपनी का कहना है तो क्या करना चाहिए
Claim form of company Pancard Aadhar card Discharge summary Final bill Medicine bill OPD consultation paper Cancel cheque Submit online or send currier to insurance company office
Hi Prasad, recently my father in law who is 64 years old was admitted in ICU for seizures which resulted in shoulder dislocation. He already had a policy of 5L sum assured and 5 L top up from year 2019, but unfortunately the claim was denied citing non-disclosure of CVA from the policy inception date. He had a brain stroke in 2019 and after this event he enrolled a health insurance for himself, he is sure he has provided the details regarding PED to the Health Insurance Agent (also in the policy loading section it is clearly mentioned the insured person is paying additional premium for PED). Helplessly we had to pay 9L cash which took a huge toll on us. I am not sure even if i raise a re-imbursement request, insurer might reject citing the same reason. Can you or someone who is reading this comment help us in this regard, even on paying premiums on time for 5 years, we had to face this trauma. Thank you.
Sir ur great love u ❤ If you succeed in cheating someone, Don't think that the person is a fool... Realize that the person trusted you much more than you deserved ...!! Chapter 2nd compare why this option is better than P & XYZ? I wanna u earn but 100% pure guaranteed♥️
If your claim gets rejected under any Health Insurance Company then surely contact a lawyer and file a complaint in your local police station and consumer rights
My experience wirh Policy bazaar for claim settlemennt is worst ... pls dont suggest policy bazaar to anyone. Policy bazaar is for those who have full time to follow up with till free numbers at the time of claim settlements and who need cheaper policy with lots of headache .... I have mediclaim of aditya birla and have claimed 2 or 3 times, they are always ready to reject claims if you are not aware ....
Health insurance must be according to health needs to per as market & claims needs, irrespective of patient admitted in OPD or Hospital. 7:05 The reason I hate the market, economy and capitalism.
Now if I don't get problem in those three 3 years , Now after that three years Should I buy a new health insurance again ? If I buy, my premium will be more na sir ? , Since my age will be + 3 years at that time Please tell me if I am Missing something here
mujhe pata nhi tha mera chola me health insurance hai, mujhe 2022 me malaria hua tha or admit hua tha 5-6 din ke liye usi time mene chola se contact kiya or mujhe 30k payment mil gya thode dino baad.
I've icici lombard insurance given by my office in 2022 july. Before joining office my brother was diagnosed by hernia. Will it's surgery be covered from my insurance? Surgery estimated cost: 30k
My 3 year old son is admitted in Apollomedics Lucknow due to Dengue Fever, total bill was 1.01Lakh , but Star only approve 80 thousand. Even hospital is in their network hospital. They said they have agreed approved package of 80k with hospital. Please tell me what to do.
Mr Prasad I would like to know your thoughts , foreign me US, UK and many more health facilities free hai , they have free medical faciliy.ek health insurance ka card leke jana padta hai .opd bhi free hai , aise sab condition nahi hai .India me ye sab gandagi hai , upar se health facility bhi free nahi balki costly hai aur govt bhi health insurance ke oremium pe 18%tax charge karti hai .Whats ur thought
Although health care facilities are better in Western countries the waiting period for an appointment is sometimes 2-3 months. & regarding free healthcare I highly doubt its free. The hospital bills are mostly backed by health insurance even OPD since most of them have health insurance.
Buy Online Health Insurance (Upto 25% Discount) -
bit.ly/3wCnPYe
My 2 claims rejected by policy bazaar
@@fungyaji plz explain how
Ap ne insurance samadhan k bare main bat nehi kiye
5.16 - policy bazaar is bad for chosing insurance. waste
Every policyholder should watch this video
Adding some point as per my 8 year exp in Health Industry
I suggest to my customer when ever they don't feel good better to take One OPD from Govt Hospital ( In Rajasthan its free of cost) , whether you are not taking that treatment medicine which is free of cost by Govt but for documentation it worked very well .
Don't try to hospitalize directly in emergency for seasonable disease at least , take OPD any network hospital near to them that fee not more than 200 rs generally to avoid big amount claim
Client mostly take medicine to unauthentic ( Farzi) Dr or take medicine from direct to shop but they don't follow the steps .
At the end of day claim are settled basis on documentation not to emotional basis .
Follow these steps regularly my accuracy to approve customer claim has gone 95% in last 5years .
@satyaprakashgupta4445 make sense
I dont know what others point of view regarding Navi health insurance but for me...Navi health insurance is best...Recently my 2 yr old son hospitalised for 18 days...The bill amount was 1.3 lacs..& it was cleared within 2 hrs through cashless..I didnt pay a single penny...
Navi is best
@@odiaputra thanks
Bcoz the amount is too less for them
Increasing order of escalation:
Cashless, Reimbursement, Bima bharosa, IRDAI, CIO ombudsman, consumer court, civil court
Main khud medical billing me hu ye sab ye bta deta hu insurance lete waqt sari detail read karein kyonki insurance company kuch percentage claim deti hai or sab ka alag alag hota hai
Yes, mera bhi star health insurance ne claim reject kiya tha ye bolke ki patient ko OPD treatment se thik kiya ja skta tha... maine CIO me complaint kiya aur claim amount mila.. lekin 12 महिने लगे case decide hone ko. Lekin finally amount mila.
Great. Well done
What is cio?
@@hareshrathod6107Means :- Councul of Insurance Ombudsman
@@hareshrathod6107 insurance ombudsman
@@hareshrathod6107 Means :- Council of Insurance Ombudsman
Bahut achhe se samjhabe ke liye thanks PRASAD SIR❤
Insurance companies have to mentions clearly like this video. and all government insurance companies officers and staff don't have any work 1. selling agents, 2. claiming agents, 3. approving TPS No R&D since many years.
respected sir / madam, media,organisation Special request to create content on disable people related subject and topic.
1) What is disability. Types of disability and its categories and subcategories. Causes of disability. Previous measures to reduce disability.
2) special information on person with disability act in India/government policies. And reservations in job and education.
3) importance of accessibility in the basic infrastructures, and public transport.Assistive devices ,mobility tools. Healthcare and medical tools.
4) Education ,Training, Arts, Skills, Sports, literature, Materials and Means of Livelihood , business opportuniti, science and technology using by disable.
5)Contribution and importance of CSR Trust Society, an NGO working for the disabled
6) Social issues faced by persons with disabilities. How a family takes care of a disabled member, how a disabled couple spends their family life. Caste religion cult is a crippling view of social factors, Attitudes and of Indian citizens towards disabled citizens.
+)The important objective of creating this special literature is to create awareness about persons with disabilities among the population, individuals in particular and the general public.
Mera Bhai ka corona ke time pe COVID huwa tu private hospital mei admit huwa tha baad mei oriental insurance ne claim reject kor diya, ye bolke ki Doctor ne Kahan ki patient serious Nehi tha Ghar mei ilaj lene se bhi thik ho jata। Lekin hamare Ghar mei 78 saal maa hei aur mere bhai ka 4 saal ka batcha bhi tha uos samay
Kya kia fir?
Oriental is very bad they reject main claim as well i have corporate plan still got rejected
mera bhi oriental hai, aur bahaut pareshan karte hai, same reply bar bar document missing even for cashless claim
Family main poda leka 1 hadmi ka hai ager oska hee tho kon itna jamela Carey kore ga.....iss se bether he sip korlo ..or 40 badh hi big problem hoga tho 10 sal sip kor Lena accha hai
Nice subject selected Sir! It's a need of an hour.
I never knew about this in depth claim process. I have immediately shared this video with my policy Nominees, Family and friends.
Thank you sharing knowledge😊
Reasonable and customary charges are applicable to compare cost of same type of hospital. Dont compare 3 star cost with 5 star vost of treatment.
Dont be mislead.
policy bazaar sold star health insurance to me, which hospitals try to avoid and are not happy. Experienced with 3 hospitals. Used my office insurance
Mera Clint ka bhi claim ye bol kar reject kar diya aap OPD me apna ilaj kara sakte th,fir mere clint ne muze bataya,maine dr. Se baat ki or unko bola apne admit qu kiya,jab opd me ilaj ho sakta th,fir dr.ne bhi support kiya or unhone ek justify letter bana kar company ko mail kiya ,or company ne claim pass kiya...
@@vijaykumar-kv6hq konsi company thi jo pass kiya?
I have Reliance General insurance..is it good..??
amdavad, you pronounced it right!
Reasonable and customary clause isme bahut doubt hai, kaun si company badnam hai. Kaun si company achi hai?
13:38 Mr. Bajaj surgery 🤣🤣..... nice 👌👌
Sabse best insurance company kon hai?
Tata AIG And HDFC ergo
Which are the best companies to have health insurance? As per my best of knowledge it is important to know a person from the company to have good settlement claims
Just a thought - If you are young, fit and have a source of income, then create an sip of 30,000 rupees per year instead of buying health insurance. Assuming you don't get any diseases from hereditary, you won't need major health surgery until your late 30's or 40's. Even if a sudden expense from road accident happens, you have your health insurance from job. In 10 - 20 years of time, those sips can generate good sum of money which you can use without any problem. This seems better than getting your claim rejected and running after consumer court.
How 30k sein Kaya hi ho jayaga inflation bhi to hein
@@Bankniftysurgeon That's why the idea is to let the money compound for 10-15 years and manage your hospital bills via company insurance. I mean its just a thought. Not sure how practical it is.
All those who were claiming to have availed cashless facility from Navi health insurance should definitely try lottery ticket, Also, there are high chances that you might win.👍🏽
Star health insurance not good
Thank you so much prakash sir sharing us value information
Great Video. God bless you for an innovative topic. For narcotic drugs hair keratin is used but it’s usually not started for general lab tests. But false declaration is most idiotic thing.
Best insurance kon se hai
Your filled bank account or go to civil hospital for free treatment. ❤❤
Behtareen information behtar andaz me aapne diya hai....
Thank you so much for this information
Superb information
What a presentation i am highy impressed
Care Health Insurance Last Month rejected my claim. My Son was admited in emergency for high fever and typhoid however they rejected spying that it can be treated in OPD. I am now looking to switch.
You are making content on very important topic thankyou
On safer side try to keep atleast 50 % of the total insured
Thank you so much Prasad....
Thank you Prasand brother..for your most valuable information, Thank You so much 🙏
Bahut sundar jankaari
मेरे शरिर पर हिटर कि टाकी
गरम पाणी गिर गया तब मै निंद में था हॉस्पिटल मे ईलाज करवाया मगर मेरे टेस्ट लॅब में किए गये रिपोर्ट इंशोरन्स कंपनी को भेज दिए है पर अब इंशोरन्स कंपनी कहती है कि पॅथाॅलाॅजी में क्यूँ नहीं करवायै ईस वजह से मेरा क्लेम रिजेक्ट हो सकता है यह इंशोरन्स कंपनी का कहना है तो क्या करना चाहिए
Very informative. Pls add link for documentation to prepare for claim
Claim form of company
Pancard
Aadhar card
Discharge summary
Final bill
Medicine bill
OPD consultation paper
Cancel cheque
Submit online or send currier to insurance company office
Two wheeler accident me, mandible jaw Operation (Plastic Surgery) Jo ki unpredictable accident hai, waha par insurance kyun claim nahi hota hai.
plastic surgery humesha exclusions me hota hai har company me.. iska reason to company hi batayegi ki kyun exclude kar rakha hai
Hi Prasad, recently my father in law who is 64 years old was admitted in ICU for seizures which resulted in shoulder dislocation. He already had a policy of 5L sum assured and 5 L top up from year 2019, but unfortunately the claim was denied citing non-disclosure of CVA from the policy inception date. He had a brain stroke in 2019 and after this event he enrolled a health insurance for himself, he is sure he has provided the details regarding PED to the Health Insurance Agent (also in the policy loading section it is clearly mentioned the insured person is paying additional premium for PED). Helplessly we had to pay 9L cash which took a huge toll on us. I am not sure even if i raise a re-imbursement request, insurer might reject citing the same reason. Can you or someone who is reading this comment help us in this regard, even on paying premiums on time for 5 years, we had to face this trauma. Thank you.
I have company insurance policy .should i buy another personal health insurance or not
Thanks for deap dive detail all about health insurance claim
If someone smokes occasionally, like 2-3 times in a month, do they need to choose smoker category as well?
Yes.
Which company insurance to take...
If you fight some one and get injured, is it covered or not...???
Agr aap kanoon ko aapne hath me loge . To yeh gair kanooni Kam hai. Gair kanooni Kam insurance me cover nhi hoga.
Thank you so much My Brother .. This video is really very useful for every Insurance Holder..
I always share your every video seriously
Sir ur great love u ❤
If you succeed in cheating someone,
Don't think that the person is a fool...
Realize that the person trusted you
much more than you deserved ...!!
Chapter 2nd compare why this option is better than P & XYZ?
I wanna u earn but 100% pure guaranteed♥️
Such a great video and very informative 🔥🎦
Thank you Prasad for video
Policy bazaar se kabhi insurance mat lena personal experience hai samjh sako to samjh jana
Right
Kyu
Correct. Not from Nia Lupa.
@riteshsathe8496 ok thanks pr short me thoda bata sakte ho kya?
To kaha se le le phir
Best Explanation... Thank You
Helpful information ❤ brother
If your claim gets rejected under any Health Insurance Company then surely contact a lawyer and file a complaint in your local police station and consumer rights
Solution hota hein kaya
My experience wirh Policy bazaar for claim settlemennt is worst ... pls dont suggest policy bazaar to anyone. Policy bazaar is for those who have full time to follow up with till free numbers at the time of claim settlements and who need cheaper policy with lots of headache .... I have mediclaim of aditya birla and have claimed 2 or 3 times, they are always ready to reject claims if you are not aware ....
It is very helpful for me
सब पैसा हैं पैसं के ली ये है enjoyed
Sar online insurance karvana theek hai ya FIR agent se aur Sar best kon si company ka rahega
Navi
Really helpful Prasad, thank you.
Thanks for knowledge ❤
Health insurance must be according to health needs to per as market & claims needs, irrespective of patient admitted in OPD or Hospital. 7:05
The reason I hate the market, economy and capitalism.
Thanks for such useful videos
5.16 - policy bazaar is bad for chosing insurance. waste
आप बहुत अच्छा काम कर रहे हैँ
Very good and informative video..
Great job bro, thank you soo much
Now if I don't get problem in those three 3 years
, Now after that three years
Should I buy a new health insurance again ?
If I buy, my premium will be more na sir ? , Since my age will be + 3 years at that time
Please tell me if I am Missing something here
mujhe pata nhi tha mera chola me health insurance hai, mujhe 2022 me malaria hua tha or admit hua tha 5-6 din ke liye usi time mene chola se contact kiya or mujhe 30k payment mil gya thode dino baad.
Future comsumer is not visible on trading platform..pls make video on this.
Mera b policy bajar m health insurance tha par jarurat k time sahe Banda tik se bat b nh karta..
@@sunilmeenameena7491 apko policy bazar se support mila tha kya?
I've icici lombard insurance given by my office in 2022 july. Before joining office my brother was diagnosed by hernia. Will it's surgery be covered from my insurance? Surgery estimated cost: 30k
My 3 year old son is admitted in Apollomedics Lucknow due to Dengue Fever, total bill was 1.01Lakh , but Star only approve 80 thousand. Even hospital is in their network hospital. They said they have agreed approved package of 80k with hospital. Please tell me what to do.
Same
Mene saal me apne family ke liye 1 lakh premium deta hu healt insurance ke liya aaj baad insurance hi band
Health insurance always good choice. Don't close your policy
Is there any parameter for cover amount for decide abt expense amount
Mr Prasad I would like to know your thoughts , foreign me US, UK and many more health facilities free hai , they have free medical faciliy.ek health insurance ka card leke jana padta hai .opd bhi free hai , aise sab condition nahi hai .India me ye sab gandagi hai , upar se health facility bhi free nahi balki costly hai aur govt bhi health insurance ke oremium pe 18%tax charge karti hai .Whats ur thought
Plz share this type of policy . I also want to see
Although health care facilities are better in Western countries the waiting period for an appointment is sometimes 2-3 months. & regarding free healthcare I highly doubt its free. The hospital bills are mostly backed by health insurance even OPD since most of them have health insurance.
Nice thumbnail 🩵🩵
OPD ka kya matlab hai
Nice job bro, tnx for the stuff u n ur team did,
informative ❤
Verry informative 🙏
Thanks Brother ❤
Iffco- tokio kabhi mat lena galti se bhi.😢
Excellent!!!.
Make video on best term insurance
is aya sister nurse expenses covered under post hospitalization expenses and also physiotherapy expenses ??
Now this time mentel illness not cover in Insurance so post hospital ization not cover
Star health Insurance very bad don't buy
Why
Yes
Whats wrong with it? I have bought star health insurance 😢
Yes, I agree with you.
I have brought it😢
Yes
Very informative ❤
How is niva bhupa
Thank you so much for the information
Nivabupa sahi h kya??
Ji bahut achhi company hai
What about The chainsmokers music band?
Court mein bharosa nahi hai isliye no 7 is ruled out.
Wonderful video..
Ej br policy lelo dr Pokicy Bazar wale bolnge... Tu kaun hai.. 😂
I have a top up , claimed for stent after bypass operation. Now I'm not reembursed
Pre existing - hypertension disclose nahi kiya easa kaheke claim reject kar diya hai... Kya solution hai?
Mera bhi Orient ka health insurance hai
@@Niteshsaroj12 acha hai kya?
The best video.