Sir, என் அனுபவபடி ins company & pvt hospital இரண்டு பேருமே கூட்டு களவாளிகள் தான். Ins கம்பெனி claim reject ஆனால் சரியான காரணம் சொல்வதில்லை. Pvt hospital கள் பணத்தில் தான் அதிகம் குறியாக இருக்கின்றன.
Your insurance policy is governed by the terms and conditions of the policy , You have to read the terms and conditions carefully and all insurance including life and motor insurance have a window period of 15 days (ie if you are not satisfied with T&C you can return your policy). No insurance company or hospital can breach the T&C. In can if you feel you are not paid by insurance company as per T&C you can write to your insurance company if not satisfied you can approach IRDAI then Ombudsman (if claim is blow 20 laks) on final court of law.
Wow what an legal idea. So write a letter to insurance company about their tc if not addressed then go to Ombudsman. Do you have any idea how long these processing time for the process you mentioned so during that how will I pay the bill to hospital. Your comment itself shows you r an elite ass and has the money to settle the bill without insurance and cares two hoots even if insurance don't honor the claim. We are talking about us who struggle to make end meet on month end
Cashless rarely works,bed charges icu dental eye r not covered easily.There is also a PM yojana policy for 350rs per year 2lac coverage is there for any citizen
In this video, the difference between Mediclaim & Health insurence is not discussed, which I think is an important aspect. Most of us ,or at least some of us don't know this. Insurence agents do not care to explain in details. They are particular only about increasing their client base. Please give us a detailed video on this.
My relation admit on COVID during peak time.. He is hold the insurance for 10yrs in star company... During those days every hosp speaks on package for covid which cost bed, room, nursing per day min 8K, however as per insurance it 1.5K...remaining to be given from pocket which is an bribe
😊Nice information 💐@ As sir .. Thankyou so Much... Please continue your support to middle class people..🙏🙏.. But Ella information ungaluku therium apadi irunthum engalukaga nanga kekka vendiya ella doubts ketinga so sweet. .🥰🥰
Neenga keka vendiya doubts onnum kekala. Do you have any idea what to do if they don't honor cashless transaction. Do you know if they delayed processing your claim can you claim penalty for months delayef in settlement
Dear sir The health insurance premium is increased every 5 years.What percentage is raised from the old premium amount. Please give a clear explanation for this
One of best content from Money pechu.. Kudos to team and special thanks to Anand & Jayakanthan sir and for asking such a detailed questions & answer session. Kindly make a term insurance videos to make awareness among the people.
If government hospitals can give good treatment and services on par with private hospitals, then there is no need for this kind of medical insurance companies and complex policies
Hospitals charges differs for Cashless hospitalization.... Bill amount increases 1.5X to 2X if goes to cashlesss.... Please speak about it..... Incase of reimbursement, it will be normal bill... Different bill amount for same hospitalization, between cashless and reimbursement.
Very Informative. 1 doubt, for most of the salaried they have their insurance coverage from employer. It covers till we retire. But after that we need insurance and premium will be higher at that age. How to overcome this issue. Please explain thala
Usually Insurance provided by Employer comes under Group insurance, As long as you are in Service you are entitled to benefit the insurance as per the conditions. However when you are no more in the service by default you will be expelled from such insurance. In such a case you should own individual health insurance
You will be covered by employer for both Health and term insurance but it’s limited to very small amount especially Term insurance like 10 - 20 lakhs in case of death. This will not be sufficient to meet family expenses.
சில பெரிய Hospitalல் நாங்க initial payment பண்ண amount திரும்ப தரவே இல்லை. Insurance companyல் இருந்து reimbursement பணம் வரவில்லை என்று 4,5 மாதம் அலையவிட்டாங்க. Reimbursement பணம் Hospital மூலம் திரும்ப வரவே இல்லை. Insurance companyக்கும் Hospital க்கும் ஒரு adjustment இருக்கிறது. பணம் எப்படி எப்போது வந்தது என்று கடைசி வரை எனக்கு தெரியப்படுத்தவே இல்லை.
Dear sir,நான் சொந்தமாக மளிகை கடை வைத்துள்ளேன் .எனது வயது 32,இதுவரை வாழ்வில் பெரும்பணத்தை சில்லறையாக செலவலித்து விட்டு இப்போது உங்கள் பேச்சை கேட்டு என்னை மாற்றி வருகிறேன். எனது தின வருவாய் 1000திற்கு குறையாமல் உள்ளது.அது போக கடன் 300000 மூன்று லட்சம் மட்டுமே உள்ளது ஒரு வருடத்தில் நான் சுதந்திரமாகவும் பணத்தட்டுப்பாடு இல்லாமல் வாழவும் ஒரு வழி சொல்லுங்கள் ஐயா,இது என் வாழ்நாளில் பெரும் பாக்கியமாகவும், திருப்புமுனையாகவும் இருக்கும். தயவுசெய்து உங்கள் வார்த்தை எனக்கு வளமாக வாழ்க்கை தரலாம் ....உதவுங்கள்
Unga thinasari varumanathil irunthu daily oru 100 rs ah mattum sip mutual fund la invest panniteh vaanga within 3 years la unga kadanum adanjidum easy ah unga kailaiyum oru descent aana amount irukkum sir ..
Hospitals are changing the package amount depending on the insurance,pls discuss on that too, me and my wife are working on different IT companies, I have govt insurance and my wife has a private insurance tieup with respective company, when we went to apollo for pregnancy, they are saying, if I proceed the claim with my wife's insurance , total package is 1.4L and the same package for my ins in 80K (which they dint mentioned earlier), eventhough my wife's ins coverage for pregnancy is more than mine , the package for it differs from private to govt insurance ,the hospital ins person is making us to go with private insurance from which they are benefitting ..
"Very important question" sir Which AYUSH HOSPITALS have cashless claims tied up with any insurance company in TAMIL NADU? How to claim in ayush hospitals? Pls reply to me.
We are govt servant.in2019 i admitted in Aysha hospital for 15 days more .I paid all the bills nearly 2lakhs. But unfortunately United Insurance company said that hospital is not in the govt approved list. So they refused to pay my claim.Till date i have to fight for the settlement.please give some idea to get that amount
I have a doubt! for example, if I have a policy of 10lakh cover for 15 year period and I exhausted all 10lakh in the first 5 years what will happen? Should I have to pay a premium for the rest of the 10 years?
Sir, I request you to provide more information about the Senior Citizen policy and its terms and conditions. Why treatment cost is high when we opt for single and double-occupancy rooms. Are there any portability options available in the medical policy? If so what are the advantage and disadvantages?
Sir can u explain in detail about term insurance who shd take term insurance or in health insurance what type of insurance an individual or for family one must take .nice information about today's insurance education
Sir term insurance salary mela rombo dependent haa irundha vangnu if a individual is living in a rented house he is the bread and butter earner nah term kandipa venu yenakhu health podum i am a fresher searching for a job own house irukhu soo health insurance I prefer more it depends on individual health or term based on there situation
Good day sir. I am 30 years old. I am planning to buy term insurance as per your advise. Should I pay the premium for 10 yrs or till 60 years of age. When considering inflation the real value of total premium paid in both the cases are more or less same. What should I choose, pls clarify.
always choose 60 years option. for 2 reasons. 1) The yearly premium is lower and after 10 years it will be even more easy on your pocket to pay that premium. 2) What if you die at the age of 40? You could have saved the remaining 20 payments if you had chosen the pay till 60 option. Problem is that you are viewing it as debt and hence you are trying to finish it as soon as possible. But it is not debt, it is like paying for your society security guard. why pay him all his 30 years salary in 10 years, when you can slowly pay him his salary over 30 years?
Sir hospital health insurance waste nu solranga .. cashless nu pona they are charing more… ella insurance term and copay ooda dha tharanga or else insurance money itself too costly.. IF we want to claim the money hospital full ha alaya viduvanga.. namaku patient ha kootitu veetuku pona podhum nu dha irrukum
