Insurance is more of a business and day by day it's becoming a scam than a business.

If you ever end up in court fighting, Most insurance companies usually have the judges on payroll. They will settle the case for very less amount. Happened twice to my parents.

@twistr99

4 ай бұрын

Sorry to hear that.

@ramkumarpandey4865

Ай бұрын

Which insurance?

@nikhilkumar-YT

5 күн бұрын

insurance comapny name please

i have eatched 100s of health insurance video. Never seen such clearity in every aspect of insurance.

Bottom line Every insurance company wants you to pay premium But they won't want to sanction claims This is harsh reality

its not De-influencing, its influencing to buy insurance from ditto backed up by Zerodha.

@saurabhjha8733

3 ай бұрын

Is it bad?

@whatever1538

2 ай бұрын

No, it is'nt they never mentioned the name and If that platform has the upsides mentioned in the video, it would'nt have been wrong even if they would've marketed it

@Babaijn407

Ай бұрын

So?

@dm5665

Ай бұрын

Ditto is very good.

@MAYANKKUMAR-pk3qo

Ай бұрын

Yes, you are right. The video was jumping from one point to other without validating reason on any points.

Have watched your videos from the beginning and loved 'em all! But this video made me more confused and intimidated about the process of getting an insurance policy.

@Zero1byZerodha

5 ай бұрын

Fair enough Neezar, have noted your feedback. See you in the next episode :)

@rakesh_vv

3 ай бұрын

​@@Zero1byZerodhaPlease make a version with a bit more clarity on how to opt one before 31st of March 😄

I think you need more episodes on the same topic, but where each succeeding episode gets more technical. Also, a real life comparison of a few best offers would also help. I had done a ton of research on health insurance and it was a pain. Takes a lot of time. Also insurance advisors are not a good option as they have conflict of interest. Most of them get some kind of kickbacks from insurance companies and they "advice" you to take offers which pays out the maximum commission to them.

Good presentation. But top-up policies are missed in this video. I'd be happy to learn more about top-up policies and how they work. Hoping a video on it soon.

@Zero1byZerodha

5 ай бұрын

Hi, thanks for your heads-up on the top-up policies 👍We will certainly consider your suggestion as we create more content. Keep an eye out there!

very effective industry loopholes exposing

Great video and great editing ❤

New age insurance companies customer service is pathetic. No physical office to go to incase anything get's messed up. They only have online presence. I can directly go to any old age insurance companies nearby and make a scene if something goes wrong with my claim which is not possible with ditto

Pahle mujhe bhi scam...lagta tha..but practically mila paisa aur faida raha

@BusyBee-lm7xp

3 ай бұрын

What policy did you buy? Can you share some details?

@AIutopiacw

2 ай бұрын

@@BusyBee-lm7xp HDFC ergo

@rajarampatel601

2 ай бұрын

Insurance wale bhaiya real id se aao

@nishchaypallav

2 ай бұрын

​@@rajarampatel601😂😂😂

@nishchaypallav

2 ай бұрын

​@@rajarampatel601Commission wale paise ki baat kar rhe wo 😂😂

I really liked your presentation quality

How to check Claim Settlement Ratio genuinely from IRDAI? Now before you ask to check IRDAI Annual report, please note that IRDAI has skipped critical details like Claim Settlement Ratio & Amount Settlement Ratio, from their latest Dec 2023 report.

@shinelagoon

22 күн бұрын

Looks like IRDA will forget to wear pants someday.....it doesn't make sense. How come they not published company wise critical data??

Plans of which health companies are sold and serviced by ditto?

Great work !

My question aee covered here , but still need professionla heelp in deciding ...

I found this video a bit confusing as prateek was contradicting at the end of every point 😂😢 However everything made sense at the end ❤❤

@Zero1byZerodha

5 ай бұрын

Glad you found it useful ❤️

Very informative one.. keep up guys...

Hey, thanks for all these videos, they are quite helpful. Can you also please make one on investing in direct mutual funds vs investing in mutual funds via family uncle/papa's friend

@Zero1byZerodha

5 ай бұрын

Hey Saarthak, we're glad that you found this video helpful. We'll certainly consider your suggestion while we plan for our upcoming videos. Keep an eye out! 😇

Great and very entertaining way of making common citizens aware on range of topics. I congratulate and thank the whole team for high production value and great content both. 🎉😊

@Zero1byZerodha

5 ай бұрын

Thank you Vikal for the love

Really hard to take home points actually because the tricks you are presenting are really very appealing with the way you present contrary to the crux of the video. Check list is ok but should include what not to do i e your tricks .

#Zerodha team always put an effort to educate masses. Thanks.

Active one plan is asking more money from me even after paying their default business on the name cmp i.e chronic medical care

it should be insurance company’s duty to do entire check up on customer and give him clean chit so that their claim should not get rejected

Most awaited video... Prateek and team is the genz content creator. I already know about ditto, they are really great and knowledgeable in the field of insurance.... Waiting for more detailed video about health insurance and some 2-3 top insurers

@Zero1byZerodha

5 ай бұрын

Hey Om, thanks for the love, our team works really hard and these words of appreciation go really far ❤️

Konsa better hoga standerd one health insurance or General health insurance

Also Indian buy health insurance when they are diagnosed of any illness hide there illness which not fair to good risk in premium pool , also hospital inflate bill when customer have insurance. (Hospital will have 2 tariff one for cash other for insurance) .Premium is increased because of claim loss if pool will have all bad risk then there will increase in premium definitely.

Excellent Contents. Awesome Presentation. Zerodha lifting the benchmark in all segments where they come.

@Zero1byZerodha

4 ай бұрын

Thank you ❤️

Nice content ❤

I work for Central Government and they provide Central Government Health Scheme (CGHS) which is by far the top in the nation. Can you please make a detailed video comparing this to private health schemes?

@ajinkyaraj

4 ай бұрын

I also have CGHS , also i have a HDFC ergo health insurance for my family. As CGHS is just basic and may not cover all your needs

Prateek bhai! Now I understand why the algorithm is demoting these videos, they will be out of business! 🙂

insightful

After watching this I can say i am in good hands Port my policy from star to manipal cigna this year. All issues u discussed are covered

Editing and bg music 👌👌👌

@Zero1byZerodha

4 ай бұрын

Thank you. Cheers to our awesome team! :)

These health insurance companies increase premium for senior citizens during renewal, even if they don't claim. How do you address that? Is it normal if individual who cross age 65, 70 or 75 the premium almost doubles? Which raises the question how can people afford... What are your views?

@ritammukherjee3272

2 ай бұрын

Yes it's normal because with age the probability of diseases rises and so the company charges more. Talking about the affordability this should be handled by the govt not by private companies bc they are in this game not for public welfare but for business and from business pov what they do does make sense but from humanitarian pov you're correct

@shinelagoon

22 күн бұрын

Here you go:- open one account with any PSU bank like Canara, buy a group health insurance from them, if possible buy a family floater to cover all under one umbrella. preferably from any of the 4 PSU like New India, these are undoubtly good. Now buy a super top up on your base policy. Your parents got safely and adequately covered at cheapest rates. Flip side is that these policies are not portable but it works ditto like any other private policy with no hassles at all.

Hey. Thanks for the all the information. I wanted to ask. My father have hypertension issue from past 10 years. He's taking medication on daily basis and it is quite controlled. I'm going to buy a health insurance soon. So do i need to tell this to the insurer?

@rakesh8809

4 ай бұрын

yes you do my freind

Most of them saying HDFC ERGO is most reliable and they r boasting that ICR is better than other insurers. Is it true?

@dm5665

Ай бұрын

Yes

Which health insurance policy should I choose for myself, wife & 1 child with a sum assured of 50/75L? Looking for insurance with an optional deductible.Now I have 2L corporate ins.So after sometime, I plan to optout & willing to pay the full premium

@SHAMIKII

5 ай бұрын

Consult ditto

@anirbansarkar7391

5 ай бұрын

HDFC ERGO

PRATEEK you are the MAN! More videos!

@Zero1byZerodha

5 ай бұрын

More to come! Thanks for the love ❤️

@SHAMIKII

5 ай бұрын

@@Zero1byZerodha Perhaps Crypto sometime. "I made 100% within the last year, what did you make?"

What about hdfc ergo optima secure?

@nazmakhan462

3 ай бұрын

Someone people answer this

Now it's cashless everywhere

Niva bupa increased premium for parents by 21k last year 😂 because one member went from 60 to 61 year old.

Where to find claim settlement ratio? Not finding on IRDA website. Only option is to view on insurance's wbesite? You guys said would be mentioned in description

@Zero1byZerodha

4 ай бұрын

Hey, you can check the claim settlement ratios in IRDAI's annual reports. Here is the link to the latest annual report - irdai.gov.in/document-detail?documentId=4273788

@vishaln4983

4 ай бұрын

I asked the question because I could not find it in the report, and you guys just linked to it again. The report only contained INCURRED CLAIMS RATIO @@Zero1byZerodha

The animations through out the video are both interesting & at times distracting. Great job by the creator, but director sir should rethink on limiting the number of animations.

Little confused tried but unable to understand this video

Instead of simplifying the topic its tooo tooo complicated and unable to make decision whether we need to take health insurance or not.

Oh Mangaluru (Kudla) guy❤

Better stay healthy than reading all the clauses of insurance..😂

@Zero1byZerodha

5 ай бұрын

Absolutely, staying healthy is always the best policy! But a quick glance at insurance clauses can help you in unexpected situations. It's all about balancing good health with being prepared. 😊

Car episode. Waiting.

Thank you prathik sir

@Zero1byZerodha

5 ай бұрын

🙏

Prateek is the metaphorical Abhishek of this video hahaha

Super 💯

@Zero1byZerodha

5 ай бұрын

Thank you🔥

Sir 10 day MBBS shuru karo na, medical cost bohot increase ho gaya hai😢

@TheLearner048

3 ай бұрын

😂

Finally people won't be shocked that something like "MANGALORE" exists.

health insurance is most fucked up thing i have ever seen.. show me the best and most reliable health insurance and I'm happy to pay 1L premium for my parents

Standalone is best or general health insurer ?

@santhoshthadishetty

Ай бұрын

For health go for optima secure don't fall for features or nature Avoid the worst like acko, star and Niva Bupa

@santhoshthadishetty

Ай бұрын

Ratios matters finally

@randomstuffsofdayandnight

Ай бұрын

@@santhoshthadishetty ok but with my case is, looking for my father and he is serious citizen. So only two options are there care and Aditya Birla activ one. Which one should I go with ?

Insurance started as protection but working now as scam, cheat, bluff and giving headache to consumer 🥺

Wow.....

How much ditto charge for their consultation?

@shashankvattam5386

Ай бұрын

They're free of cost!

As I understand the purpose of this channel is financial literacy so please stay neutral, please don't promote Ditto here, they are horrible, trusted them because of zerodha's backing but had pretty disappointing experience, much like new age insurers, one should avoid these new age intermediaries too 😌

@ramkumarpandey4865

Ай бұрын

Can you please enlightn us

@DrAkashraj

Ай бұрын

@@ramkumarpandey4865 Most of their advisers don't come from insurance background, don't understand the technicalities of insurance, they just blabber 2-3 plan what they have been asked to sell, there's absolutely no co-ordination between their advisor, their operations team, Insurance company, got the proposal rejected for my parents and wasted over a month, insurance company says they didn't do the formalities in time etc etc, they are only good on social media, I don't think people should trust them for such a serious and complex thing like health insurance or term. If you understand insurance or have the time and capability to do the formalities, buy it directly from the insurer, nothing like that, best price and zero confusion in between. And if you need someone's help, then please buy from an experienced agent, don't try to save on commissions, pay the extra, it would be worth in time of need. Hope it helps!

He is de influencing influencer

Shreenet is speaking like a series man

@Zero1byZerodha

5 ай бұрын

What’s a series man?

Editing ka baap hai ye channel 😂😂😂

@Zero1byZerodha

5 ай бұрын

Yeh toh hai 😬😬

Why don’t you have health insurance yet? Honest answers only

@aravindrajanm2297

5 ай бұрын

1. corporate health insurance covers 2. young and healthy as a Stallion ;p 3. Why extra commitment when already so much to spend on ?

@FrustratedCommoner

5 ай бұрын

1. 95% of the time,.health insurance companies ask to apply for reimbursement. If I have the total sum, I don't need health insurance. 2. Stay healthy, stay strong, live to the fullest and die taking a cy@n1de pill. I don't want to have +1 liability in my life. 3. I am making the above statements after considering my and my neighbourhood experiences (10+) with Health insurance ponzi business.

@shre6619

5 ай бұрын

I mean, everyone thinks that they will win a lottery. Get more benefits from an insurance policy, than the premiums paid, But it is not possible. These insurance companies, are only care about profit, with these TnC, they reject claims for any reasons. Just use, the company provided plan and add insurance premium money to an emergency fund

I like the zone, but feel these kind of videos can be more indexed on info and less on entertainment. Will become more comprehensive that way, otherwise post video you are not sure what is the conclusion

So.. Taking insurance is bad, yes?

@Zero1byZerodha

5 ай бұрын

Hi Anirudh, insurance is key in safeguarding against various risks. Just make sure to pick a reliable insurer.

The only reason health & life insurance does not work on india

1:00

Bhai aaj tk hospital 1 hi baar gya food poisoning k liye 500 rs kharcha hua

Explanation ka tadika thoda cazual hai

this may be hypothetical in this modern or so called mechanical world , rather i would invest that in my complete health (food habits, doing what i really love ,etc) than buying a health insurance , and i do nott mean to say this way uncertainities will not strike, but ill do it with utmost comitment and leave the rest to Nature or God ...this is just my way

Don't forget COBRA

This video looks quite confusing for a newbie. Saying a point and contradicting it immediately. Better keep a simple format.

Dekh ke accha laga par jyada samajh nhi aaya 😅

Dedicated to all parents: open one account with any PSU bank like Canara, buy a group health insurance from them, as a child, you can cover your whole family under one family floater plan (4+2), which is rarely possible. Always prefer buying from any of the 4 PSU like New India, Oriental etc., they are undoubtly best. Now buy a super top up on your base policy. Your entire family including parents got safely and adequately covered at reasonable rates with no exorbitant premium increase. Flip side is that these policies are not portable but it works ditto like any other private policy with no hassles at all. Caveat: you may abuse me calling me a PSU broker, thats fine but cover your parents

Why the content language changed to English...???

@Zero1byZerodha

5 ай бұрын

We’ve moved completely to English now

@sahilchamp

5 ай бұрын

@@Zero1byZerodha that's bad.. Can we still do Hinglish????

@deadsparrow-dd1tm

4 ай бұрын

@@sahilchampwhy would hinglish make any sense? To repel non Hindi people?

@sahilchamp

4 ай бұрын

​@@deadsparrow-dd1tmSorry dude. That was not my intent

Shrehith is way better than abishek, please don't include abishek in the video

@Zero1byZerodha

5 ай бұрын

Don’t break our heart, we all are one big team and work really hard to bring high quality episodes to you :) - Prateek

method acting

holy sh*t i saw so many other health insurance videos and non of them ever mentioned anything about the several caveats that come with them. it just goes to show how biased and manipulating today"s day and age has become.

Hope this video is not sponsored by ditto 😂

@Zero1byZerodha

5 ай бұрын

Nope, we dont accept any sponsorship or advertisements. This is what gives our media company an edge. We build content because we think it’ll help you Jayaganthan :)

@jayaganthan1

5 ай бұрын

@@Zero1byZerodha Nice ❤❤

Wasn't this Zing? Now it's Zero? When did this change?😂

@Zero1byZerodha

5 ай бұрын

Yeah it’s now Zero1…taking your money game from 0 to 1

Video was too much confusing. Never any point was validated. All the points were made with pointless argument😮

I didn't like this debate style of a video. No matter how good this video is, Pratik sounds so dumb. All the points which Pratik makes, that other guy is correcting him every time. Abhishek was better instead.

@Zero1byZerodha

5 ай бұрын

Sure, we’ll try a new style next time :) thanks for the feedback

@sahilchamp

5 ай бұрын

I agree

The original style was better than this.

@Zero1byZerodha

5 ай бұрын

Got it will keep this in mind

Make in हिन्दी

Hindi please

English is better. Re-subscribing 👍🏼

@Zero1byZerodha

4 ай бұрын

Welcome back :)

The settlement ratio is also telling half the story. If somebody has hospital bill of Rs10Lakh, and insurance only give Rs1lakh, they will still add it to settlement and increase the number to misled customer

please Hindi me video banaye 🙏

So basically, don't buy health insurance

Crap video leaving viewers in confusion

Can we lose the ever running bgm please @zerodha1

someone, please create a AI T&C checker Chrome extension so that every time you make a purchase or any decision online, whether it's buying a t-shirt or health insurance, you receive a simple summary of all the terms and conditions, as nobody enjoys reading lengthy T&C?