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Why every Indian needs to get a HEALTH INSURANCE - Health Insurance explained  

Akshat Shrivastava
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Ditto has simplified the concept of health insurance in a very easy manner. Check them out today!
I bought my insurance using Ditto here: bit.ly/35J07Iu
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Health is the most important part of an individual's life. Without health, there is nothing.
The second wave of coronavirus in India put a lot of people in grave financial distress. People had to take massive amounts of loans to get their loved ones treated. This gave a serious reality check to all of us, that-
You can earn bucketloads of money, but one single incident can literally wipe out your entire wealth!
This is why it is so important to get a health insurance!
But buying a perfect health insurance is not as easy as it seems. Given the complexity of an insurance policy and with so many options being available, it is but natural that you might get bogged down and give up buying an insurance altogether.
Thus, in this video, I break down the concept of health insurance in simple parts and try to explain the process of getting an appropriate health insurance which will be suitable to your needs!
0:00 Health Insurance
01:17 Need of a Health Insurance
03:45 How to decide on a Health Insurance?
13:47 My Health Insurance
Health is something which should not be compromised at any cost. Therefore, I would urge you to understand all about health insurances and buy one for yourself and your family today!
If you want me to cover any topics, do drop in a comment. I will definitely try to shoot those videos!
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I provide tips on how to grow professionally! Follow me on other social media channels:
Instagram: / akshat.world
LinkedIN: / akshatshrivastavainsead
_______________________
Attributions:
Stock Videos from Pixabay and Pexels
Logos: Wikipedia Commons

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26 июн 2024

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Комментарии : 307   
@AkshatZayn
@AkshatZayn 3 года назад
I bought my Health Insurance on Ditto here: bit.ly/35J07Iu
@tabishjaved8264
@tabishjaved8264 3 года назад
Hi Akshat! Can you let me know how much premium you are paying for the 20L cover?
@ishulamba7923
@ishulamba7923 3 года назад
Please checkout my comment someone is trying to do scam in your name.
@rajatwow737
@rajatwow737 3 года назад
Make a video on problem of claim in health insurance and whether to take the insurance from agent or online
@danmiranda888
@danmiranda888 2 года назад
Can you make a video on term insurance or other insurance products which can be useful to young adults like yourself.
@enzio333
@enzio333 2 года назад
Any chance to review Navi Insurance ?
@arshadnawaz6953
@arshadnawaz6953 3 года назад
Funny place .. India , automobile insurance is mandatory , health insurance is not . The Indian health system has come to a juncture where only 1 medical emergency can push a family to poverty (especially families who have just entered the lower middle class). A good Health Insurance is an amazing and one of the most important hedges against uncertainties today . Thanks for spreading this awareness !!!
@nikhildayal9013
@nikhildayal9013 3 года назад
Being from the insurance industry, I can say, your video was very necessary, as insurance awareness is very low in India. Thanks a lot for bringing this up, most of the points you touched upon are relevant and accurate. Just to bring to your notice, you still can cover your parents in your family floater policy, even your in laws too. Anybody who is reading this comment, I will suggest you to please add Critical Illness Rider and Accidental Benefit Rider in your existing life insurance policy. If you still don't have LIFE and HEALTH Insurance, come out of the cave, run and get yourselves insured.
@japeshbagga7353
@japeshbagga7353 2 года назад
Hey Nikhil, would you pls suggest which will be good for a whole who has 20yrs kid and parents age are above 40yrs. They r very confuse as some people like Ankur say don't combine parents and young child's insurance with family plan. 🤞🏼
@bloody9162
@bloody9162 2 года назад
I can first hand say that it is outrageously complex topic. I literally sat with a pen and pad and noted down, loved how clearly you were able to explain it.
@gojosan1376
@gojosan1376 3 года назад
My day: Morning with finshots Nights with Akshat
@AkshatZayn
@AkshatZayn 3 года назад
Haha thanks for the support! :)
@sunnyphilips176
@sunnyphilips176 3 года назад
It's not even a week since I first came across your channel and I've already watched 20 videos. I started off with the "Stock Market Investing" playlist and since then whenever your videos showed up, I watch it without a second thought. Easily understandable, highly informative and you always cut to the chase. Looking forward to more videos. Love from Chennai!
@dakshdagar9872
@dakshdagar9872 3 года назад
All your videos are so full of knowledge and awareness that everyone needs. The way you explain things is just amazing and I literally feel drawn to watch and learn from them. I have shared the content with the people around me and they hold the same opinion. Thank you so much. Respect!
@AkshatZayn
@AkshatZayn 3 года назад
Glad you like them!
@nityakumari1480
@nityakumari1480 2 года назад
It feels really great when you get such a quality content in your recommendation! Wishing this video to reach a huge audience further :)
@aritrakar2492
@aritrakar2492 3 года назад
The videos you make sir are super amazing , informative and engaging to watch. You are the best teacher for college students.😅😅😄
@deepakvadhan9366
@deepakvadhan9366 Год назад
Really Helpful U r Turning into a Guru for me atleast Not a single day where I do not watch 1 r 2 of your videos Really Life-changing & Life Guiding for me Thanx For all this stuff
@akshitg
@akshitg 3 года назад
I really don't understand why channels like this one has so few subscribers. Thank you Akshat for giving an unbiased and honest opinion.
@chubaka42
@chubaka42 Год назад
I'm constantly amazed and humbled by the quality of your research and presentation. Thank you for the work Akshat.
@simarsingh2983
@simarsingh2983 Год назад
1) Individual/Family Plans 2) Size of the cover 3) Hybrid plans (Base covers + super top ups) 4) Consultation/Day care 5) Domiciliary care 6) Type of Treatment (Ayurveda/Homeopathy) 7) Sub-disease spend clause 8) Network hospitals with cashless treatment (re-imbursement clause with non-network hospital) 9) Co-payment clause 10) Claim processing time & claim processing rates
@uma_r
@uma_r 3 года назад
Health insurance is the most complex thing I have done in my life. Took a week to understand important clauses, various insurance providers etc. Felt like DIY. Thanks to Mr. Pattu (if I may say), his articles helped a lot.
@meghaseth5815
@meghaseth5815 2 года назад
Which one did you finally get?
@uma_r
@uma_r 2 года назад
@@meghaseth5815 star comprehensive individual. Took print out of the policy wording. Highlighted all the important clauses in pen so that it doesn't come as a surprise in future. Also there is a limit to which we can customise our policy. My policy dint tick all the check boxes but most of them.
@IITKgpian
@IITKgpian 3 года назад
You are such a multi talented guy with such diverse knowledge.It's really a pleasure to watch your videos and be knowledgeable.❤️🔥
@AkshatZayn
@AkshatZayn 3 года назад
So nice of you
@aravindakshansanjay1702
@aravindakshansanjay1702 3 года назад
Thanks for educating us about things that no one generally talks about.
@deepakrao5553
@deepakrao5553 3 года назад
That's actually a good topic to discuss !!! The awareness was much needed
@AkshatZayn
@AkshatZayn 3 года назад
Very true Deepak :)
@thop9747
@thop9747 3 года назад
Wow . Thanks a lot sir. We really need this especially in such situations.
@bituagarwal18
@bituagarwal18 3 года назад
WAITING FOR THIS TOPIC FOR A LONG TIME!!!
@albertbenny4637
@albertbenny4637 3 года назад
This was really helpful. Would appreciate if you did one on Life Insurance as well. It seems to be more complicated than Health Insurance.
@VinayKumar-kc3fp
@VinayKumar-kc3fp 3 года назад
With hospitals turning into corporate blood suckers, draining you of your life savings, the best insurance is to invest yourself in yoga and maintaining a healthy lifestyle.
@codenamevisage
@codenamevisage 4 месяца назад
Sorry but maintaining perfect lifestyle will still make you old and susceptible to diseases. Health insurance is compulsory
@AsifAkhtar20
@AsifAkhtar20 5 дней назад
Lift iron, eat right and get a health insurance. That's it.
@saadasif9949
@saadasif9949 3 года назад
I was searching everywhere if there is any video regarding health insurance today only, and akshay came with such a wonderful content. Loved it :)
@abhinav5238
@abhinav5238 3 года назад
Please make videos on swing trades setups every week.
@Mrmaert
@Mrmaert 3 года назад
Beta sab kuch free me chahiye.
@messigaurang
@messigaurang 3 года назад
This is a great video. You gave a good overview of the different aspects that are associated with health insurance.
@parthgoel7335
@parthgoel7335 Год назад
one of the best videos I found on this topic.
@sanathutube1
@sanathutube1 3 года назад
Wish this was shared 5-6 years ago😄. Very good advice.
@harikrishnamodi123
@harikrishnamodi123 3 года назад
Thank you Akshat for this video.. One imp point to mention is that hospital should be registered one with local authorities (Generally should have greater than or equal to 13 beds) to be eligible for reimbursement. More applicable for the rural India, as this happened with me recently. Hope this helps!
@ramesh.S04
@ramesh.S04 2 года назад
Thank you soo much Akshat.. You made my life easy and added value to my conviction...
@thesuryapasricha
@thesuryapasricha 3 года назад
Wow! This is so informative! Thanks for demystifying such complex yet informative topics for us!
@AkshatZayn
@AkshatZayn 3 года назад
Glad it helps Surya :)
@SOROUT_Mohit
@SOROUT_Mohit 3 года назад
I do not know that health insurance is so important. Thanks for bringing this.
@kanavify
@kanavify 3 года назад
What a detailed analysis Akshat. Always been reluctant to study about insurances. Great job
@AkshatZayn
@AkshatZayn 3 года назад
Thanks Kanav :)
@paladuguchaitanya7547
@paladuguchaitanya7547 2 года назад
Although this vedio didn't get the likes this deserves ...we other set of people really loved it Akshat, U started building the moral/emotional bond as well...keep Rocking my brother😘
@saisrinivas4721
@saisrinivas4721 3 года назад
Thanks for making a proper content and well visualized concept of health insurance concept. We are expecting more videos on how to climb in Finance field like private equity, venture capitalist and corporate finance roles....
@ayushspooke2968
@ayushspooke2968 3 года назад
I've been thinking for few days to comment on your videos just to acknowledge the fact that the Content you are bringing consistently is Stupendous. The amount of respect you've got from me in this short period time is just awesome. Brother just keep on bringing such useful content. 💪
@AkshatZayn
@AkshatZayn 3 года назад
Thank you Ayush :)
@shivkhakhar3273
@shivkhakhar3273 3 года назад
Loved the video! Must watch for everyone especially in today's times :)
@AkshatZayn
@AkshatZayn 3 года назад
Glad you enjoyed it!
@sharanyar3948
@sharanyar3948 3 года назад
👍👌 Eagerly look forward to many more 'informative videos on various topics affecting our life' from u @ the earliest! God Bless U & may ur channel have more & more subscribers each day!!!!!
@mondeepthapa1771
@mondeepthapa1771 3 года назад
Thank you for a vivid apprisal. It helped me a lot to understand.
@prachisingh7353
@prachisingh7353 10 дней назад
Great video!!! Very informative sir. Thank you so muchh
@dormantknight3
@dormantknight3 3 года назад
My father was hospitalised for 33 days. If not for CGHS and its subsidised CGHS rates we wouldn't have been able to afford his treatment.
@mayankurariya
@mayankurariya 3 года назад
Hey thank you sir, I was already looking into this and your video came up. It really helped me and smiplified alot of things about insurance. Thank you ✨❤️
@mdnoorqutub8430
@mdnoorqutub8430 3 года назад
Waiting to hear you out gives hope and knowledge and perspective Would like to hear from u about insurance career
@marthaiyengar8322
@marthaiyengar8322 3 года назад
All your videos are informative. Learning a lot
@yuvigemini
@yuvigemini 3 года назад
On a Holistic Level..... This Video was a Class Apart one!!!!!!
@prabhatjha5139
@prabhatjha5139 3 года назад
Sir It was quite easy to understand and get hold of the basic idea and process of getting a health insurance the way you explained it to us... Helpful!!
@pratyushdas1459
@pratyushdas1459 3 года назад
thanks for the video... just what i needed.. makes things much clearer now
@aayamagrawal
@aayamagrawal 3 года назад
Hi Akshat, Great work! I am following your channel for past 1 month now. All the videos are quiet informative and very well delivered. I have a request can you also make a video about term life insurance.
@madhur3411
@madhur3411 3 года назад
Keep doing the great work sir❣️
@ritvikmaurya2986
@ritvikmaurya2986 2 года назад
Thank you sir for explaining amazingly
@krishsureka8419
@krishsureka8419 3 года назад
sir you are really an inspiration I also want to pursue with mba and finally end as an investor
@prakyathreddy5790
@prakyathreddy5790 3 года назад
Thanks Akshat. This is helpful.
@COCO-Naksh
@COCO-Naksh 2 года назад
Always helpful and knowledgeable be it stocks or insurance.
@AyushSingh-sy2lg
@AyushSingh-sy2lg 3 года назад
Appreciate.....Term insurance is important too...Indians think themsleves as immortal before 60 and spending 500-600 per month to financially protect your family seems much to us
@zaidarshad4684
@zaidarshad4684 3 года назад
This is really helpful Akshat. Great stuff!
@AkshatZayn
@AkshatZayn 3 года назад
Glad it was helpful!
@ishulamba7923
@ishulamba7923 3 года назад
Thank you for sharing the valuable information sir. It feels great to see people like you literally care for other individual's personal finances, health insurances, career selections and bunch of other most valuable aspects of life. Thank for being the digital big brother in this digital world. More power to you.
@ishulamba7923
@ishulamba7923 3 года назад
@@upnextcryptoyoutube3943 Don't try to do scam in this platform.
@mrmomorisin
@mrmomorisin Год назад
Thank You Sir for making such videos. 🙏
@khyatimehrotra6249
@khyatimehrotra6249 3 года назад
As usual, Great content! Thank you for apprising us with this important concept:)
@AkshatZayn
@AkshatZayn 3 года назад
Glad it helps Khyati :)
@pratapsinghchouhan8456
@pratapsinghchouhan8456 3 года назад
In current scenario every family should have health insurance rather health insurance comes in essential category for every family, content shared on health insurance is really eye opener for somany people... 👍🏻👍🏻
@preethamr7644
@preethamr7644 2 года назад
Hi Akshat , Please continue with these kinds of videos.
@pranavkatarias
@pranavkatarias 3 года назад
Please keep making more videos regarding financial decisions. Regards
@booksdumbbells
@booksdumbbells 3 года назад
Planning on getting insurance for myself and my parents.
@funwithcartoon4583
@funwithcartoon4583 3 года назад
You pick good topics in your videos 👍
@sudheerbabu6415
@sudheerbabu6415 3 года назад
I am following your channel from last month its awesome bro..keep continue the same. am sharing your channel to many of my friends.. my request shot a video on Term insurance. Thanks..
@harimahalingam8870
@harimahalingam8870 3 года назад
Excellent Appreciate more case studies on different companies.
@AkshatZayn
@AkshatZayn 3 года назад
Definitely will do that Hari
@kapildeshmukh7878
@kapildeshmukh7878 3 года назад
Oh cool. I'm 22 and I have just started as an agent. I started learning about this topic from my parents who are Agents for a Health Insurance Provider. The most important thing is to have a provider you can trust and look at the track record of settlements. Lots of online businesses provide health insurance at a competitive price. If you are purchasing a health insurance online instead of going with an agent, please read up the provider's track record on the forums available online. And please inform your family and relatives about your health insurance situation. Most of the times you will be extremely ill and in no condition to even think about the insurance claim. Have a "guardian angel" relative who can inform the hospital or the agent on your behalf. Please do your due diligence and bear in mind that dental coverage is not included with most of the policies. I know so many folks who have this exact misconception. Please get a health insurance as soon as possible as your age will cost you more. Sometimes a single year can make a difference of Lakhs of rupees in the long run. Cheers, Great video as always.
@santoshpanda379
@santoshpanda379 2 года назад
That's very good content Akshat. I have a 10 lacs base plan and 90 lacs top-up for a family of three.
@ashishnayak2339
@ashishnayak2339 3 года назад
Please make a video on : How corporate save taxes and how a individual save taxes 🙏🏼 I tried to find data related to corporate tax saving but couldn't gather enough information
@anshularora300
@anshularora300 2 года назад
Hey, great information about insurance. Specifically liked it how you framed the video in a Q n A format. I am 24 rn and have to buy health insurance when I turn 25... So this will provide a base video which I can refer back to. Also, I saw your video describing your expenses as a millionaire... Can you please spill on what skills you are currently investing on?? Thanks
@sidtotore
@sidtotore 3 года назад
Excellent video Akshat. Got to understand complex things in simplified way, also got aware of soo many new things. Please make a video on Life/Term insurance as well
@AshishChourasia-yh9se
@AshishChourasia-yh9se Год назад
Appreciate for making this video
@adityapattanayakvlogs
@adityapattanayakvlogs 3 года назад
Hey Akshat, thank you so much for bringing this topic out on this video. Learnt alot about health insurances in general & got more educated on 'how to choose' a health insurance. Thank you so much for this & keep bringing such content to us 🙂👏👏👍.
@adityapattanayakvlogs
@adityapattanayakvlogs 3 года назад
@@upnextcryptoyoutube3943 okk sure
@nageshsv7397
@nageshsv7397 3 года назад
Hey Akshat, Thanks a lot for educating about health insurance. Health is wealth
@AkshatZayn
@AkshatZayn 3 года назад
True Nagesh :) Glad it helps
@akashtiwari5642
@akashtiwari5642 3 года назад
Akshat your videos are my daily ritual now. Please keep us more informed by these regular videos.
@AkshatZayn
@AkshatZayn 3 года назад
Glad it helps Akash :)
@sudheenl2917
@sudheenl2917 Год назад
good one sir. This is extremely, extremely and infinite extremely helpful video for all. In just short 17 min you have explained so much. Hybrid option is literally useful. Sub disease clause, network hospitals, cashless and reimbursement, copayment clause, claim process rate and time updates. Everyone should look into this video. This is really super complex projects. very informative. you have covered everything from how much to take and hidden details of it. we also got to know about ditto services. I will surely get in touch with them to understand more. Thank you for providing the details on service providers as well. I just need one info for people have insurance from their office. How to go about with this. We would already been paying top-up in our company but how to take personalized insurance. Should we opt same amount thinking if we come out of work or if company sends us out any day or should we take less if we have one from corporates. It would be good if you can make second part of this video and talk about people who have corporate insurance, and some govt people who have Esi facilities. It would be good if you can talk about restoration clause in insurance. I see in your video screen shot that there was something called restoration. We know little but it would be good if you can cover that and if there is any hidden catch there for us to understand. Also, we hear that these health insurance increase based on the age and some health insurance will not increase based on age. What to do in these cases. Whenever you have time can you please come up with second part of your health insurance and cover these topics which will be a good 2 episodes for us to understand length and breadth of health covers. As usual you are awesome. Excellent sir.
@SatyendraSinghrafi
@SatyendraSinghrafi 2 года назад
Very good video. You can also include some points on what type of health insurance those people should buy who are in corporate as their companies already have health insurance
@AakifKhan-ly2zi
@AakifKhan-ly2zi 3 года назад
Learned something new today 💯
@varunjoshi90
@varunjoshi90 3 года назад
A true influencer 💯
@manojrana3436
@manojrana3436 3 года назад
Very indepth information Akshat. Though i have taken the medical insurance for me and family but there are few points I need to recheck to insure that I don't face problems at thetime of claim settlement. Further to add Homeopathy and Aryuveda also become expensive treatment now. Hence one should also consider taking this into account while taking insurance. Thanks for the video.
@bhaskarsharma1909
@bhaskarsharma1909 Год назад
Crisp and insightful summary
@thelordforeveryou
@thelordforeveryou 2 года назад
Thanks Akshat
@stutiagrawal1018
@stutiagrawal1018 3 года назад
The people at Finshots and Ditto are doing an amazing job. Simplifying insurance and finance; the most important yet the least talked about topics :) Glad that you've put it up, Sir.
@tanmayselot3108
@tanmayselot3108 3 года назад
Hi Akshat sir! Having completed 2 out of the 3 levels of professional levels in Insurance ( from III :- Insurance Institute of India) I just wish you would have taught me. Would have scored even more :p Also, Kudos to you for 70K!!
@eugene8166
@eugene8166 3 года назад
This guy is a gem
@abhishek98912009
@abhishek98912009 3 года назад
Please cover intraday topic with strategy
@meghrajmjadeja
@meghrajmjadeja 3 года назад
Thanks Akshat. If you can please make video on Term insurance (in details), that will be really helpful.
@Asjdbj6728
@Asjdbj6728 2 года назад
Sir your videos are really too good , need more such type of videos , i am a college student , And tring to invest in stock , just by motivated from your videos 😁
@guttikalpana3755
@guttikalpana3755 Год назад
Good explanation 👏
@skymaster9665
@skymaster9665 3 года назад
Very helpful also make videos on term insurance and car insurance. Thanks
@arjungourisaria9791
@arjungourisaria9791 Год назад
Hello, Akshat! I am 58 years old. For what it's worth, you could, if you wanted, see 'who's this guy' by doing a Google search of my name 🤣 - but that's not the reason for this comment. Back in 2010, I was earning about Rs. 15-16 lakhs per month. However, I had NO ONE to advice me on investments and I made NONE. Today, I am virtually a pauper - got rich, but not wealthy, as you keep pointing out 🤣 I simply love your videos and wish there was someone like you around when I was 'getting rich'... Thank you, and do please keep up the good work. Wish you good health ❤️
@arjungourisaria9791
@arjungourisaria9791 Год назад
@Akshat S㊉①⑧④⑦⑧⓪②⑨⑦③⑧ Thanks for responding! And thanks for sharing your number :) I shall write to you there. Meanwhile, I shall definitely continue watching your videos and learning :)
@shouvikdutta9040
@shouvikdutta9040 2 года назад
Thanks for such insight on Health insurance policies. Can you please share your insights on Term Insurance as well.
@vinayakunnikrishnan6587
@vinayakunnikrishnan6587 3 года назад
Very good explaining
@Balaji.3197
@Balaji.3197 3 года назад
You just through a light on us.u may do separate playlist about health insurance. Gave too many information but little about them.yeah you have to short the video .I appreciate your effort.if possible do a Playlist about health insurance top to bottom.thank you sir
@bravo2868
@bravo2868 3 года назад
ditto is amazing
@sakshi5agrawal
@sakshi5agrawal Год назад
Hats off to you Akshat
@NikhilPanchil
@NikhilPanchil 3 года назад
Just by reading the title of the video, I knew this video was sponsored by ditto🤣
@amaanfaraaz2243
@amaanfaraaz2243 3 года назад
It's almost instinctive for me to like your videos before even watching it now. Insightful content as always ❤️❤️🙌
@AkshatZayn
@AkshatZayn 3 года назад
Wow, thank you!
@amaanfaraaz2243
@amaanfaraaz2243 3 года назад
@@AkshatZaynHey Akshat , it would be great if you could provide some info on the rising trend of fintech . I have many friends from a technical/engineering background who would like to get into the finance field and see fintech courses as a means to it. There's less info on it so it would be great to receive your input on this topic. Ecstatic with the response btw !! ☺️
@raneshmitra8156
@raneshmitra8156 3 года назад
@@amaanfaraaz2243 Yes, I also eagerly waiting for the opportunity of Fintech in India especially for Data Science / ML role.
@pranitrevandkar5722
@pranitrevandkar5722 2 года назад
Thank you so much
@randompeople6890
@randompeople6890 3 года назад
Sir , Please make video on how to become confident and deal with various insecurities! .
@SaravanaKumar-bs2lf
@SaravanaKumar-bs2lf 3 года назад
Thank you for your advice
@AkshatZayn
@AkshatZayn 3 года назад
You're welcome
@sujitkumarchakraborty1221
@sujitkumarchakraborty1221 2 года назад
useful topic
@vimarshbhs
@vimarshbhs 2 года назад
Informative Video!
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