Link: bit.ly/3CpVAdV With Ditto, you get the best advice on insurance. Understand your policy, get answers to your burning questions, and buy insurance, all at the same place
मैंने कई insurance का प्रीमियम नहीं भर पा रहा हूं और पैसा भी नहीं कामना चाहता हूँ क्योंकि मै गांधी के विचार से प्रभावित हूँ । क्या करूं lic का सभी प्रीमियम भरता रहूं कमाई करूं या छोड़ दूं। क्योंकि lic प्रीमियम नहीं भरना बहुत मुश्किल हो रहा है। एजेंट बार बार टोकते रहता है। क्या करूं । हेल्थ इंश्योरेंस पॉलिसी तो कोई है भी नहीं। बस हेल्थ पर ध्यान रखता हूँ कि हेल्थ सही रहे। कई साल से हेल्थ इंश्योरेंस के पैसे भरते भरते तंग आ चुका था पूरा पैसा लगता था कि जैसे मै किसी गरीब को नहीं बल्कि एक बहुत अमीर को दे रहा हूँ। क्या करूं
Nitish sir most of the European countries me 100% free health insurance hai but unki govt. apne logo ki salaries ka 27% cut krte hai jo bahot jyada hota hai waha ke logo ke liye Jo ki India in details ke video me Karolina Goswami ne explain kiya hai hamari health care system bahot sahi hai abhi ke hisab se
Sir me apka sari video to nhi dekha but mene Jo bhi apki video dekha sach bolu you tube channel me bhut hinkm log hai jo sach or shi baat batate hai.ek apka channel or ek khaan sir ka Chanel ka me bhut bda fan hu.bhagwan ap dono ko bhut age badaye.ap dono real hero ho
Masha allah bohoot ache bhai aaj tak mujhe samajh nhi ata tha ye sab kya h kisi se puchna bhi zaruri nhi samjha par apki video ne sab samjha diya jazakallah kher allah apko or hum sab ko apni panah m rakhe ameen
My father undergone heart surgery 2 years back and payment made by AYUSHMAN BHARAT SCHEME. I would like to thank my PM MODI for doing such great things otherwise, as Nitish said, we must've become lower middle class if we had bear the same amount.
Excellent topic.. Also people need to invest in health.. Like daily exercise, good diet to avoid medical ailments but most people only invest in property with no assurance of being alive to enjoy good life.
Thank you for educating so many people on Health Insurance. You did a great job. You're kind, courageous and selfless service will always be appreciated.
So true man, i am spinal cord injury patient and I regularly buy catheter and urine bag. The other medical charges 700 and 150 for catheter and urine bag respectively. Now one of my friend started medical and he takes only 120 and 30 for the same. Same brand same company same items. Same on other medicines and surgical items. So much margin.
Goverment should give free health insurance for income tax payers. Everybody talks about farmers, backwards but noboady care about the people who are paying the income tax and feeding the whole country.
I was planning to take a family floater plan and i Haven't covered the maximum of points you have said. So, thank you sir for too much detailed information. A person like you can save many people like us to be fraud by insurance companies. Once again Thanks a lot
I have been in the insurance sector for the last 5 years, it's a lack of awareness in India for Insurance especially in small cities. Health Insurance is very important nowadays. I have seen many people regretted after getting some serious diseases with high medical expenses Thanks for this video and awareness..
Being an insurer, I must say your way of explaining this boring yet a very important topic in such a simple way is highly appreciated. Kudos to you for your research and explaining things with a simplified approach in your every video . Keep up the great work. Applauded your hard work .
He is doing a great job , he is bringing the weakness of india ♥️ in front of common people and making them aware about situation of our country this will help people while choosing the right govt. which can address the issues which are really important 🇮🇳 💎
Being a Doctor and knowing all the hazzards faced by the people.. this video is very much appricated with the information it contents.. thanks for bring out the truth fact.. 👍
@@rajsupe9009 hame hospital or market medical me 21k ka fayda hua wo bhi 33k me se kyuki hospital 33k ki medicine batai wahi hame 12k me mili bahar se or ye baat dr. Ne hi boli thi bahar se lene ko
I am from dental industry, i'll give you small example most of guy heard about metal crown, you know what this crown cost to the doctor Rs 200 to 300 , and they charge from patient Rs 2500 to 3000/-
I shared this video to my 10 friends who also of my age(17years) to make them aware and this video is helpful for them. If only 50% people who watch and each person sure this video to only 10 people than we help most of people and aware them about this thing. AND HEADS OF YOU NITISH BHAIYA
First , if you are middle class person and you dont work on your body then you should avoid fast food, coldrinks. 2.Then start exercise daily to maintain body 3. Travel by metro and bus to avoid accident. 4. Try to avoid fights. 5.do meditation yoga for bright future. 6.try to avoid contact with lazy, angry and irritating person. 7. Be happy and pray to your God( which you believe in) I assure you, you wil never have to watch hospital stairs , police station and court.. Be confident and happy❤😊
Salut to Indian health care. 4 months back i met with an accident in the United States. Had to go for an open reduction closed fixation for the humerus fracture. Got a bill of around U$100,000. Still fighting with the hospital and insurance for a while. If insurance doesn't kick in, i may need to declare bankruptcy. 😢
@@achintamkarmakar Didn't mention it before, i actually feel of a Lime Scooter. Insurance company asking me to contact Lime to get vehicle registration, make model etc. Contacted Lime regarding this, it's been 6 months and I have been waiting. Insurance company wants me to seek legal advice 🙃. Not sure kya scene ha yaha court kacheri ka, waiting for their update.
I am 18 and my father had not have much knowledge about health insurance and hads so much myths so he didn't have insurance for my grandfather. Unfortunately he fell sick and admitted to medanta (Gurugram) . 25lakhs overall expenses (approx) endured.it was a financial dent😔. He will make sure that we have a family floater flan.
If you had insurance of 25 lakhe... hospital would have bill you 50 lakhs... would dragged the patient more... Insurance companies and hospital go hand in hand...
Hi, I have tried Ditto after watching your video. I have gained lots of knowledge on the subject of mediclaim after watching your video and talking to ditto person. However after doing a bit more research I found out about gypsa agreement with hospitals. I would request you to please make a video on this. This will make a real difference. Thank you.
in west bengal each family member get 5 lakhs per year with a card provided by west bengal govt. which can be used in any private hospitals where after the card scans upto 5lakh is debited from govt. funds. 😘 love u trinimul sarkar
नितिन भैया लव यू ❤️Totally agreed! I hope this channel never ends and keeps spreading happiness. Whoever is reading this, I hope this day will be a great day. I pray whoever reads this right now, may you get everything you wish.
Very informative video bhaiya as usual, itni positive information for common man, koi nhi dega kyunki sb apni dukan chalane bethe h love you broh!!!❤️❤️❤️
💐हेल्प सर ये आप भी जानते है की भारत मे बहुत से लोग है जो ESIC मे आते है पर उसका उपयोग और अज्ञानता.. की वजह से उपयोग नहीं कर पाते कैसे कहा.. 💐💐 आप की एक विडिओ कितनो को आसानी से समझदर बाना देगी... 💐💐💐 (धन्यवाद सर PLZ )
Hi Manjesh, there are various insurance companies in the market who will provide senior citizens plan, but be cautious about the terms and conditions. Clauses to be checked before buying any health insurance. 1. Co-Pay Should be 0% or no Co-Payment 2. Treatment or Diseases wise Sub Limit should be not there. (Private and Public insurance companies like Star Health, New India Etc has clauses in the policy) 3. Less Waiting Period 4. Room Rent Limit should be higher or there should be no limit 5. Appropriate Sum Insured, More than 5 lacs cover. Or you can have Super Topup on your base cover to enhance the cover in less cost.
in my case my father went through heart angioplasty on 16 July 24 . His heart had 3 blockages and needed 3 stents to be placed in the arteries. Although it was free in some maharshtra government schemes, i went with private cashless hospital because in government scheme stent was without drug eluated stent. Hence private hospital bill was 2.5Lac and i paid 0 rupees and i was so relaxed during all this process. Health insurance company is Niva bupa Reassure 2.0. I had paid almost 1.2Lac since 4 years for my father mother combined in health insurance. So in my experience health insurance is safer bet.
1 benefit of health insurance is when ever you hospitalized your bill will be checked by your insurance company, but if you are not covered than hospital will give you huge amount bill figure they know no one will be questioned about what they had charged for what in your bill.
True, had suffered once when had to get a family member admitted to hospital. The amount charged was huge and lot more than what was expected before admission!
"Ek middle class admi shirf ek hospital k bill se door rahta hai garibi rekha se niche aane k liye" The line touches my heart😔 One question! Suppose I am covering the insurance of a 5 lakh plan and my family member gets admitted in the hospital during the payment duration i.e. before the completion of the coverage. In that case I will be eligible to claim the insurance and if yes then I will have to pay and continue the coverage after the check up has done since I don't need it any more. I don't know, please help if anyone knows anything. Notes from this video! For Health Check for cashless Network with hospitals (should be large) Check for pre and post hospitalizations (such as cost of ambulance, different tests) Co-Pay (money which is given by the customer after reaching a certain limit- should be checked) No claim bonus (if not used in whole year, certain companies gives you bonus like they will increase the cover amount or may free certain health check ups or may add some premium consensation like that) Reputation and claim settlement ratio (check before taking any insurances) Pre existing disease (Don't hide otherwise policy may terminate) Room rent capping (Check that policy shouldn't be linked with the room rent). Insurances • Individual For more senior citizen, go for individual for them as will cost cheaper and sustainable • Family Generally, goes for this! For choosing which health insurance should be take, look at your financial condition, pre existing diseases or overall lifestyle. Generally if you age is below 30, than atleast you should take 3 lakh cover for individuals and for family you must take 5 lakh cover. If living in metro cities, than you should plan for more as the cost is higher there. Some experts suggests that it should be your 50% of your annual income or atleast the cost of the heart surgery in your city. Also with health insurance, you get tax benefits of ₹25000 under the section of 80D.
Video is very informative but a suggestion if you can provide some important information about maternity plans like what keys or keens we need to follow?
I have worked in insurance field ..watever he's saying I completely agree with him. In india usually people avoid or due to lack of awareness they don't go for health insurance .
Yea lack of awareness because, Why are there no good RUclips reviews for insurance packages even in 2023? Package insurance as a understandable transparent product like the online sites/ apps. So that people can easily pick and choose. Company's must change selling strategy.
I still avoid health insurance I think opting a mutual fund of same amount is more beneficial than health insurance for a family of 5 which cost is approximately 40k a year
It's tough for a person who's income is below 30k to have health insurance of whole family If you invest same amount in mutual fund you can easily sustain health emergency and if no health emergency occurr then you hv some amount Health insurance is a scam
@@michaelrichard5148 Hey, I invested largely on stockmarket last year, tried some index but my experience doesn't pay me. I have lost so much trading by myself Please is there any handle or link can get to her..
Guys dont ignore Health insurance Health insurance have saved a lot from poverty and many uncertainties. Its the biggest investment to save our loved ones Buy a good health insurance policy not from an agent who sells for his sales,buy it from a real expert and dont let emergency bills spoil your hard earned savings.❤ There are N no of benefits of health insurance It can save your loved ones It can save your savings It can save you from loans to overcome medical bills It can give you financial freedom and choosing hospitals. Buying it is compulsory Mark my words I have lost my. Very close persons that are not even having any diseases but due to uncertainty suddenly without funds we lost them. Dont get confused Buy it from real people like a real health advisor.
6000 times bill hota hi private hospitals ka bill Government ko medical insurance krna chahiye at low price Private company claim nhi deti hi 100 me 1 ka hi deti hi claim It's fraud n scam
Can u make a topic on caste vise employment ...I mean what % of general ..obc..sc..st in services ..and how much benefit every community getting based on caste..and what is the average lifestyle of each caste..also include minority
Sir aaj aap mere sapne mein aaye the aur voh sampna main bhul gya tha but ab aapki video feed pe dekhi toh yaad aaya ki aap toh aaj mere sapne mein aaye the😅 wish ki sb bta pata joh joh hua tha sapne mein:) love you sir❤
![Jack Harlow - Hello Miss Johnson [Official Music Video]](http://i.ytimg.com/vi/Q86_nlRoIGw/mqdefault.jpg)
Link: bit.ly/3CpVAdV
With Ditto, you get the best advice on insurance. Understand your policy, get answers to your burning questions, and buy insurance, all at the same place
Sir please make video on caste i.e general , lower cast ect because sir we general and middle too but we can't receive any benefit from gov sir please
Dark side of insurance policy bataya hi nahi
Kese bataenge pese to advertiser ne promotion ke dye the na
@Nitish Rajput तुम्हाला एकदा भेटायचं आहे साहेब 🙏
मैंने कई insurance का प्रीमियम नहीं भर पा रहा हूं और पैसा भी नहीं कामना चाहता हूँ क्योंकि मै गांधी के विचार से प्रभावित हूँ । क्या करूं lic का सभी प्रीमियम भरता रहूं कमाई करूं या छोड़ दूं। क्योंकि lic प्रीमियम नहीं भरना बहुत मुश्किल हो रहा है। एजेंट बार बार टोकते रहता है। क्या करूं । हेल्थ इंश्योरेंस पॉलिसी तो कोई है भी नहीं। बस हेल्थ पर ध्यान रखता हूँ कि हेल्थ सही रहे। कई साल से हेल्थ इंश्योरेंस के पैसे भरते भरते तंग आ चुका था पूरा पैसा लगता था कि जैसे मै किसी गरीब को नहीं बल्कि एक बहुत अमीर को दे रहा हूँ। क्या करूं
Nitish sir most of the European countries me 100% free health insurance hai but unki govt. apne logo ki salaries ka 27% cut krte hai jo bahot jyada hota hai waha ke logo ke liye Jo ki India in details ke video me Karolina Goswami ne explain kiya hai hamari health care system bahot sahi hai abhi ke hisab se
May common man never see the stairs of
1)hospital
2)court
3)police station
They will suck fortune out of misfortune.
You are right sir mere saath bhi ho chuka hai yeh sab
Police ki Naa dosti achi na dushmani
You can also say that good health care system & justice are imaginary in India 🙃
Court.
And private schools 👍
This man is there to make revolution in INDIA
Chal na be chutiye
Like lene ka new tarika...🤣🤣
Absolutely right ▶️
And Mohak Mangal also
Oh bhai...😄
Points must be noted 9:10
1. cashless health insurance
2. Pri and post hospitalization
3. Coo-pay option
4. Cap on coverage (limit)
5. No claim bonus
Cashless
No claim bonus is a trap be careful
Room Rent Capping
@@arnold4424 how? Explain plz
Sir, pls suggest me three health insurance.i am planning to buy health insurance for my parents
Such an eye opener... People should rethink who blindly follow politicians without questioning them. Good work mr. Nitish.
Your videos should be shown in all schools. You cover all topics so broadly
Point👍👍
Ya 👍
✅👍
that's so true.
Difference between generic drugs and branded drugs is like tap water and mineral water…that’s why doctors recommend branded medicines…
Don't lose your confidence bro 🤜 you're A very good Person🇮🇳
Bhai ji carry on good job
Only Education can change our country 👍
Not just a country, all world...
Faltu ka ratta nahin asali education Jo hamare Desh mein milati hi kahan hai.
Education ka kya fayda jab job hi na mila
Knowledge not education
Bhrasta adhikari anpadh h?
You and your videos are benchmark industry for any you tuber. Your communication, knowledge and looks...is full package.
Sir me apka sari video to nhi dekha but mene Jo bhi apki video dekha sach bolu you tube channel me bhut hinkm log hai jo sach or shi baat batate hai.ek apka channel or ek khaan sir ka Chanel ka me bhut bda fan hu.bhagwan ap dono ko bhut age badaye.ap dono real hero ho
Masha allah bohoot ache bhai aaj tak mujhe samajh nhi ata tha ye sab kya h kisi se puchna bhi zaruri nhi samjha par apki video ne sab samjha diya jazakallah kher allah apko or hum sab ko apni panah m rakhe ameen
My father undergone heart surgery 2 years back and payment made by AYUSHMAN BHARAT SCHEME.
I would like to thank my PM MODI for doing such great things otherwise, as Nitish said, we must've become lower middle class if we had bear the same amount.
@Support Ex Muslim Sahil 4 - 4.5 lacs (approx)
Thanks to honable PM ..
Such a grt step ...
In government hospital???
@@nerisalobo No. It's private hospital in Dehradun
@@user-zt1vr3xq3p It was easy in Uttarakhand. They visited every ward to prepare card but now you have to go to Government Hospital👍
Excellent topic.. Also people need to invest in health.. Like daily exercise, good diet to avoid medical ailments but most people only invest in property with no assurance of being alive to enjoy good life.
Nitish sir jab kuch bolte h to sab kuchh samne aa jata h....faltu ki baten ak bhi nhi.. only genuine facts jo ham relate karte h apne aas paas ..🙏
Irony is... Is video pe bhi health insurance ka ad ara hai 😂🤣💀💀
Sahi baat...😂😂mai yahi comment dhundh hi rha tha..
Ha to tumhe wahi dikh Raha hai na knowledge to tume Lena hai nhi
Tata health😂
Ad k liye hi video bnayi 😅
Thank you for educating so many people on Health Insurance. You did a great job. You're kind, courageous and selfless service will always be appreciated.
This man is on a mission to educate India. We are proud of you!!
You are a fool. He is a company agent and not a charity man.
So true man, i am spinal cord injury patient and I regularly buy catheter and urine bag. The other medical charges 700 and 150 for catheter and urine bag respectively. Now one of my friend started medical and he takes only 120 and 30 for the same. Same brand same company same items. Same on other medicines and surgical items. So much margin.
can u give me refrence of that person
I think that you should try acupressure.
Goverment should give free health insurance for income tax payers.
Everybody talks about farmers, backwards but noboady care about the people who are paying the income tax and feeding the whole country.
I was planning to take a family floater plan and i Haven't covered the maximum of points you have said. So, thank you sir for too much detailed information. A person like you can save many people like us to be fraud by insurance companies. Once again Thanks a lot
Contact For health Insurance
KISI KO "STAR HEALTH INSURANCE COMPANY " KE FRESH POLICY / KNOWLEGDE/ CLAIM/ PORTABILITY/ RENEWALE ME HELP KI NEED HAI TOH MUJHSE CONTACT KARE...!
😂
I have been in the insurance sector for the last 5 years, it's a lack of awareness in India for Insurance especially in small cities.
Health Insurance is very important nowadays. I have seen many people regretted after getting some serious diseases with high medical expenses
Thanks for this video and awareness..
2hich insurance should one buy
Health insurance companies in India are mostly fake…they just want a reason to reject your claim
Not Boring....its informative 👌👌👌👌
None can beat Nitish Rajput Sir in explanation on any topic 🙏🏻❤️
One man can beat.... Dhruv Rathee
@@JATTSTUDIOAALE never
@@JATTSTUDIOAALE never
@@vivek_shukla42 bro both are doing good work stop comparing them like idiots
@@pedoslayer275 where is the comparison 🙄
Loving his every video topic ❤️
He does his research unbiased that's why i admire him the most 🙏
Being an insurer, I must say your way of explaining this boring yet a very important topic in such a simple way is highly appreciated.
Kudos to you for your research and explaining things with a simplified approach in your every video . Keep up the great work. Applauded your hard work .
KISI KO "STAR HEALTH INSURANCE COMPANY " KE FRESH POLICY / KNOWLEGDE/ CLAIM/ PORTABILITY/ RENEWALE ME HELP KI NEED HAI TOH MUJHSE CONTACT KARE...!
Your better than Dhruv rathee, big fan bro, your voice, presentation are very nice keep going.
He is doing a great job , he is bringing the weakness of india ♥️ in front of common people and making them aware about situation of our country this will help people while choosing the right govt. which can address the issues which are really important 🇮🇳 💎
Being a Doctor and knowing all the hazzards faced by the people.. this video is very much appricated with the information it contents.. thanks for bring out the truth fact.. 👍
But whatever he says about generic and branded medicines is wrong
@@rajsupe9009 hame hospital or market medical me 21k ka fayda hua wo bhi 33k me se kyuki hospital 33k ki medicine batai wahi hame 12k me mili bahar se or ye baat dr. Ne hi boli thi bahar se lene ko
This man is love 💗 of every indian
Honestly... He's the man we need in our system...
I am from dental industry, i'll give you small example most of guy heard about metal crown, you know what this crown cost to the doctor Rs 200 to 300 , and they charge from patient Rs 2500 to 3000/-
Sir, you are the one whom I really like, you should come into main part in politics, we need people like you whom we can trust.
I shared this video to my 10 friends who also of my age(17years) to make them aware and this video is helpful for them. If only 50% people who watch and each person sure this video to only 10 people than we help most of people and aware them about this thing. AND HEADS OF YOU NITISH BHAIYA
We need millions of Nitish Rajput to spread awareness in India.
1-cashless
2-pre-post hospitalisation
3-co-pay
4-cap on coverage
5-no-claim bonaus
6-reputation & claim settlement ratio
7-pre-existing disease (48 months)
8-room rent capping & link
First , if you are middle class person and you dont work on your body then you should avoid fast food, coldrinks.
2.Then start exercise daily to maintain body
3. Travel by metro and bus to avoid accident.
4. Try to avoid fights.
5.do meditation yoga for bright future.
6.try to avoid contact with lazy, angry and irritating person.
7. Be happy and pray to your God( which you believe in)
I assure you, you wil never have to watch hospital stairs , police station and court..
Be confident and happy❤😊
Bahut der se is topic pe video ka intezaar tha thanks for your knowledge
👍🏻
Sir health insurance per ek aur deep mein video banaaiye 🙏🙏
Salut to Indian health care.
4 months back i met with an accident in the United States.
Had to go for an open reduction closed fixation for the humerus fracture.
Got a bill of around U$100,000.
Still fighting with the hospital and insurance for a while.
If insurance doesn't kick in, i may need to declare bankruptcy. 😢
Any update on this
@@achintamkarmakar Didn't mention it before, i actually feel of a Lime Scooter.
Insurance company asking me to contact Lime to get vehicle registration, make model etc.
Contacted Lime regarding this, it's been 6 months and I have been waiting.
Insurance company wants me to seek legal advice 🙃.
Not sure kya scene ha yaha court kacheri ka, waiting for their update.
I am 18 and my father had not have much knowledge about health insurance and hads so much myths so he didn't have insurance for my grandfather. Unfortunately he fell sick and admitted to medanta (Gurugram) . 25lakhs overall expenses (approx) endured.it was a financial dent😔. He will make sure that we have a family floater flan.
so bad brother
if you need consultant for health insurance plz contact me
If you had insurance of 25 lakhe... hospital would have bill you 50 lakhs... would dragged the patient more...
Insurance companies and hospital go hand in hand...
This video is a good suggestion for those who are seeking health insurance 👍
Your are making revolution in India through your RUclips videos,
And hat off to you Nitesh sir.
Personal experience, my dad went for heart ailments and our insurance got us covered for every single penny
Can you tell which insurance company it was and what was the scheme name? My father having heart problems so that i am asking you. Thank you
Please tell the name of the company please
Mine is care health insurance it is very good in terms of service.
The rate of ORS is Rs. 5 in generic and available free at govt. Hospital but no one believe that private hospital gives it @Rs. 40
The work is great, lots of appreciation and respect Nitish ji
are bhaiya mujhe to bahut help mili.
mera operation hua tha jan 2022 mein aur religare walon ne poora 100% hospital ka bill diya.
Real life main Masiha ho tum Nitish bhai... God bless you and keep up the good work 🙏
Sir, claim rejection ratio is the important point in selecting insurance company. Settlement ratio is a jumla.
This bitter truth comment I love you man
Claim rejection totally depends on one person condition. If one go with autoimmune disease, they are not covered.
Very well said , I was health insurance medical officer , I advoice each and every my patient to buy at least one policy' of health insurance
Hi, I have tried Ditto after watching your video. I have gained lots of knowledge on the subject of mediclaim after watching your video and talking to ditto person. However after doing a bit more research I found out about gypsa agreement with hospitals. I would request you to please make a video on this. This will make a real difference. Thank you.
in west bengal each family member get 5 lakhs per year with a card provided by west bengal govt. which can be used in any private hospitals where after the card scans upto 5lakh is debited from govt. funds. 😘 love u trinimul sarkar
Abee ye to ayushman bharat hei BJP ka 😂😂
Good joke bro! 🤣🤣
@@anikeshpaul5320 tumko mila kya iska benifit
@@anikeshpaul5320 tujhe ayushman k bare mai pata v hai kya? Phele jake dono ka diff pata krle
Many pvt hospitals reject sawstha sathi cards
9:00 - Points to remember while taking Health Insurance.
Thanks
Very helpful and knowledgeble video.
Thank you sir .
You are inspiration of many people.
Love you sir 😉❤️✨
नितिन भैया लव यू ❤️Totally agreed! I hope this channel never ends and keeps spreading happiness. Whoever is reading this, I hope this day will be a great day. I pray whoever reads this right now, may you get everything you wish.
For this topic , you get 100/100 , Superb Bro
I am really impressed by your way ok explaining. I got your video last evening excidently and now i am viewing continues from that time.
Private hospital ki fees 10 -20 guna jyada he .... Or experience doctor bhi nahi he.. Government hospital is best .
Very informative video bhaiya as usual, itni positive information for common man, koi nhi dega kyunki sb apni dukan chalane bethe h love you broh!!!❤️❤️❤️
Your way of explanation of complex matter in simple terms are absolutely amazing. This helps lot if people. Thank you
More names like Nitish Rajput are needed to remove corruption and problems from the country
💐हेल्प सर ये आप भी जानते है की भारत मे बहुत से लोग है जो ESIC मे आते है पर उसका उपयोग और अज्ञानता.. की वजह से उपयोग नहीं कर पाते कैसे कहा.. 💐💐
आप की एक विडिओ कितनो को आसानी से समझदर बाना देगी... 💐💐💐
(धन्यवाद सर PLZ )
When I wish to leave all social media once for all ..just these contents compels me to stay here again
I am watching your videos when it was 12k subscribers... And now it's 1280k 😍🎉🎉
It was worth watching it. Planning to take health insurance for my parents
Hi Manjesh, there are various insurance companies in the market who will provide senior citizens plan, but be cautious about the terms and conditions.
Clauses to be checked before buying any health insurance.
1. Co-Pay Should be 0% or no Co-Payment
2. Treatment or Diseases wise Sub Limit should be not there. (Private and Public insurance companies like Star Health, New India Etc has clauses in the policy)
3. Less Waiting Period
4. Room Rent Limit should be higher or there should be no limit
5. Appropriate Sum Insured, More than 5 lacs cover. Or you can have Super Topup on your base cover to enhance the cover in less cost.
So clear and concise.. Good job 👍👌👌
in my case my father went through heart angioplasty on 16 July 24 . His heart had 3 blockages and needed 3 stents to be placed in the arteries. Although it was free in some maharshtra government schemes, i went with private cashless hospital because in government scheme stent was without drug eluated stent. Hence private hospital bill was 2.5Lac and i paid 0 rupees and i was so relaxed during all this process. Health insurance company is Niva bupa Reassure 2.0. I had paid almost 1.2Lac since 4 years for my father mother combined in health insurance. So in my experience health insurance is safer bet.
Your knowledge should be shared among all the school, intermediate and bachelor's students for the betterment of the future. Respect❤
Great explanation sir, that's why we wait for your next video always. Keep doing. Love you lot
Best from the rest knowledge ⭐🙌
GREAT JOB,GOOD GOING BROTHER 👍.MAY ALLAH RESPONDS YOU FOR YOUR HELP & KINDNESS MY DEAREST FRIEND INSHA'ALLAH ❤️👍.
1 benefit of health insurance is when ever you hospitalized your bill will be checked by your insurance company, but if you are not covered than hospital will give you huge amount bill figure they know no one will be questioned about what they had charged for what in your bill.
True, had suffered once when had to get a family member admitted to hospital. The amount charged was huge and lot more than what was expected before admission!
भाई इतने बढ़िया तरीक़े से आप ने जो बताया, बहूतभी बढ़िया। धन्यवाद।।,👍👍👌👌
Nice explanation.. Nitish bhai never disappoints
Love From Pahadi Vlogger From #Uttarakhand Regards #CaptainVlogger
Why this guy has only 2.15M subs, he deserve at least 21.5M subs.
"Ek middle class admi shirf ek hospital k bill se door rahta hai garibi rekha se niche aane k liye"
The line touches my heart😔
One question!
Suppose I am covering the insurance of a 5 lakh plan and my family member gets admitted in the hospital during the payment duration i.e. before the completion of the coverage.
In that case I will be eligible to claim the insurance and if yes then I will have to pay and continue the coverage after the check up has done since I don't need it any more.
I don't know, please help if anyone knows anything.
Notes from this video!
For Health
Check for cashless
Network with hospitals (should be large)
Check for pre and post hospitalizations (such as cost of ambulance, different tests)
Co-Pay (money which is given by the customer after reaching a certain limit- should be checked)
No claim bonus (if not used in whole year, certain companies gives you bonus like they will increase the cover amount or may free certain health check ups or may add some premium consensation like that)
Reputation and claim settlement ratio (check before taking any insurances)
Pre existing disease (Don't hide otherwise policy may terminate)
Room rent capping (Check that policy shouldn't be linked with the room rent).
Insurances
• Individual
For more senior citizen, go for individual for them as will cost cheaper and sustainable
• Family
Generally, goes for this!
For choosing which health insurance should be take, look at your financial condition, pre existing diseases or overall lifestyle.
Generally if you age is below 30, than atleast you should take 3 lakh cover for individuals and for family you must take 5 lakh cover.
If living in metro cities, than you should plan for more as the cost is higher there.
Some experts suggests that it should be your 50% of your annual income or atleast the cost of the heart surgery in your city.
Also with health insurance, you get tax benefits of ₹25000 under the section of 80D.
Surely one of most simple but important concepts, thanks for guidance
Easily becoming one of my favourite Indian youtubers with such meaningful content.
Nice explanation.. Nitish bhai never disappoints
Video is very informative but a suggestion if you can provide some important information about maternity plans like what keys or keens we need to follow?
Most insurers usually don't cover maternity claims, but you can opt for it with higher premium.
A policy from edelweiss gives only maternity plan.. Premium is under 8k I think.
Don't know much about the plan.
You can search it.
Dhruv and Nitish sir is brilliant.......❤️❤️
dhruv is biased..
nitish is best
I have worked in insurance field ..watever he's saying I completely agree with him. In india usually people avoid or due to lack of awareness they don't go for health insurance .
Yea lack of awareness because, Why are there no good RUclips reviews for insurance packages even in 2023?
Package insurance as a understandable transparent product like the online sites/ apps. So that people can easily pick and choose. Company's must change selling strategy.
খুব প্রয়োজনীয় সত্যি কথা।
ভালো লাগে,
আপনার ভিডিও।
thank you sir, for your valuable advice, kindly make video on term insurance as soon as possible....
I don't get health insurance because of pre condition. They say it's not profitable for them to give health insurance.
Please mention down your Pre Existing Disease, I might help you to select the insurance company and plan.
@@anudeepigave ulcerative Colitis and diabetes
I still avoid health insurance
I think opting a mutual fund of same amount is more beneficial than health insurance for a family of 5 which cost is approximately 40k a year
It's tough for a person who's income is below 30k to have health insurance of whole family
If you invest same amount in mutual fund you can easily sustain health emergency and if no health emergency occurr then you hv some amount
Health insurance is a scam
Instead of these insurance you can opt Aushmam Bharat type insurance
Which is not discussed
I think nitish got biased due to his sponsor
Sir apne bahut acche subject per video banaya apne aakhen khol di reality yehi he premium lo claim me nukes niklo claim na dena pade
Sir aap sach bol dete ho apni videos me Jo ajj Indian news media kabhi nhi bolti
Very informative video.
As well as exposing the medical industry.
Sir please make video's on Operation blue star,delhi riots,CAA NRC
He make educational videos not communal 👍
@@nobody_knows_but_i_know lashmir pe banai hai
I reached my goal of $200k yearly trade earnings. Setting realistic goals is an essential part of trading
wow!! you know her too?
I even thought am the only one she has helped walked through the fears and falls of forex trading
@@michaelrichard5148 Hey, I invested largely on stockmarket last year, tried some index but my experience doesn't pay me. I have lost so much trading by myself Please is there any handle or link can get to her..
@@jamesrobert4154 Oh yeah She is always active on whats-app APK🇺🇸
+1315
Guys dont ignore Health insurance
Health insurance have saved a lot from poverty and many uncertainties.
Its the biggest investment to save our loved ones
Buy a good health insurance policy not from an agent who sells for his sales,buy it from a real expert and dont let emergency bills spoil your hard earned savings.❤
There are N no of benefits of health insurance
It can save your loved ones
It can save your savings
It can save you from loans to overcome medical bills
It can give you financial freedom and choosing hospitals.
Buying it is compulsory
Mark my words
I have lost my. Very close persons that are not even having any diseases but due to uncertainty suddenly without funds we lost them.
Dont get confused Buy it from real people like a real health advisor.
A great salute to u again .....for this very important information......finally health and life insurance is important
6000 times bill hota hi private hospitals ka bill
Government ko medical insurance krna chahiye at low price
Private company claim nhi deti hi
100 me 1 ka hi deti hi claim
It's fraud n scam
Can u make a topic on caste vise employment ...I mean what % of general ..obc..sc..st in services ..and how much benefit every community getting based on caste..and what is the average lifestyle of each caste..also include minority
Another casteist over nation
Why don't you think about poor or middle class people as their caste?
@@shivangsingh2529 if I had all the resources then it would have been done a very long time ago...definately...may be u can also go for that
The best insurance is to have a doctor in ur family …
@@financenanchahal8801 i want
Nitesh bhai .... love you yaar
Bhot achhe aise hi video karo....or apki video 👌👌👌👌
Really ground base information also very much helpful..HANDS OFF
Well researched and loop holes are properly identified. Great job 👍
Thank You so much for giving so much of information in such a short span of time. You really saved a lot of hours of research.
May common man never see the stairs of
1)hospital
2)court
3)police station
Sir aaj aap mere sapne mein aaye the aur voh sampna main bhul gya tha but ab aapki video feed pe dekhi toh yaad aaya ki aap toh aaj mere sapne mein aaye the😅 wish ki sb bta pata joh joh hua tha sapne mein:) love you sir❤