Hi Pritam. There is a significant chance of increased premiums or even rejection in some cases. Substance abuse related illnesses and alcohol related illnesses are usually not covered in health insurances.
In case one misses to inform of any pre existing disease and has been insured for many years, yet thier claim can be rejected on this ground. Isn't there any period post which pre existing disease don't matter?
There is a moratarium period of 8 years. Although it does act as an insurance to any undisclosed PEDs, intentional non-disclosures can come under the umbrella of fraudulent activities and claims can still be rejected.
Thank you for your suggestion! We are planning to launch a mobile app for our users, but we are yet to establish a timeline. We’ll be sure to update you when we have more details from our tech team. However, since our core mission in insurance doesn’t necessarily require a mobile app, the entire process-from understanding insurance to purchasing, claiming, and renewing (including porting)-can already be done with the help from our advisory team, who are always available via call or WhatsApp. So, if you're looking to buy an insurance policy, we recommend using our website to book a call or WhatsApp session with our advisory team - ditto.sh/jbh1ww
Need health insurance options for chronic illnesses like rheumatoid arthritis, epilepsy etc. does ditto have any tie ups with insurers to provide insurance to people with such chronic conditions. Please cover a video.
Claim settlement ratio is the number of claims that the insurer has paid out against the number of outstanding claims during a financial year. Only settled claims are considered for CSR.
Sir, I am having a health insurance policy from last 10 years recently I was diagnosed with BP should I inform health insurance company right now or at the time of renewal
Keep the prescription. If you can, goto the treating doctor and ask him to mention "First Consultation" on the prescription in the part where he diagnosed you with BP and wrote down the medications.
Has anyone noticed the improvement? The host is not interrupting the expert repeatedly. Good job man, it is actually better than before.
I’m the host 🙋♂️ Thanks for noticing :) All part of learning and course-correcting :)
I bought my policy after watching this video. Thank you Mr. Supreeth
Maxlife?
Impact of smoking and alcoholism on health insurance?
Hi Pritam. There is a significant chance of increased premiums or even rejection in some cases. Substance abuse related illnesses and alcohol related illnesses are usually not covered in health insurances.
In case one misses to inform of any pre existing disease and has been insured for many years, yet thier claim can be rejected on this ground. Isn't there any period post which pre existing disease don't matter?
There is a moratarium period of 8 years. Although it does act as an insurance to any undisclosed PEDs, intentional non-disclosures can come under the umbrella of fraudulent activities and claims can still be rejected.
hey pls do star health newly launched SUPER STAR health insurance
Sure!. This video is in our pipeline. Please stay tuned
Please make a checklist for policy porting!
Hi there. This video is in our pipeline. Please stay tuned :)
Why does ditto do not have an app yet? Being an app would've made it more trustable to new customers.
Thank you for your suggestion!
We are planning to launch a mobile app for our users, but we are yet to establish a timeline. We’ll be sure to update you when we have more details from our tech team.
However, since our core mission in insurance doesn’t necessarily require a mobile app, the entire process-from understanding insurance to purchasing, claiming, and renewing (including porting)-can already be done with the help from our advisory team, who are always available via call or WhatsApp.
So, if you're looking to buy an insurance policy, we recommend using our website to book a call or WhatsApp session with our advisory team - ditto.sh/jbh1ww
Unfortunately there no such policy which you mentioned, all policy have one or the other restrictions. No ideal health insurance to be honest.
Really very important points covered by Supreeth.
It was really good content ❤
Insightful!
Good one!
Hey ditto make a video on how to read an insurance document. Then customers can understand the policy document well
Sure, Lathish. This video is in our pipeline. Please stay tuned.
Need health insurance options for chronic illnesses like rheumatoid arthritis, epilepsy etc. does ditto have any tie ups with insurers to provide insurance to people with such chronic conditions. Please cover a video.
Please get in touch with us. One of the advisors will help you find the right plan. ditto.sh/jbh1ww
What is the definition of claim settlement ratio? Does it mean even if the claim is rejected, it is considered to be settled ?
Claim settlement ratio is the number of claims that the insurer has paid out against the number of outstanding claims during a financial year. Only settled claims are considered for CSR.
Sir, I am having a health insurance policy from last 10 years recently I was diagnosed with BP should I inform health insurance company right now or at the time of renewal
You are out of moratorium period of 5 years. You don't need to mention any new conditions.
yes you should declare it at the time of renewing the policy on your upcoming renewal
2 différent answers! 😂
Just keep consultation document with doctor for future reference .Whether you declare with insurance company or not is your choice.
Keep the prescription. If you can, goto the treating doctor and ask him to mention "First Consultation" on the prescription in the part where he diagnosed you with BP and wrote down the medications.