Dark Reality of Health Insurance in India - My Real Story !

This is Not a Mobile Smartphone or Best smartphone video
This video is for information purpose about Health Insurance in India with My personal health Insurance case and claim money !

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[nikhilxxsharma]

In cashless, I have heard a lot of cases where patient can't be discharged because claim is not approved. Patient has to unnecessarily stay in hospital because of this malpractice by insurance companies.

[PriyanshuKumar-mrj]

Sir, my father had an accident on May 15, 2024. Some people admitted him to the hospital, and when I found out about it, we immediately rushed to the hospital. The hospital staff demanded ₹10, 000 from us, saying it was the emergency admission charge. They later generated a total bill of ₹45, 000.

I come from a lower-middle-class family, and I had to arrange the money to pay the bill. To repay that amount, I had to leave my studies and start working. My father didn’t even suffer major injuries.

I had filed a reimbursement claim with ESIC, but I haven't received any money yet. The employees there are not giving any proper response. Once, they told me that ₹6, 000 would be reimbursed, but it has been almost a year, and I haven't received anything.

ESIC collects money from us, but it’s of no use. If you visit any hospital, you won’t find a single patient saying they are receiving proper treatment through ESIC.

[aveekkartekeyupadhyay]

Rakesh bro, you're truly a gem. Using your platform to talk about serious issues and scams to be careful for. Aapko bhagwan achi health aur kushi de. GT Sub since 2019

[hrithikpradhan]

Abhi se kisi ko Niva Bupa lene hi nahi dunga. Thank you bhai❤

[Thewolfking]

Actual problem is hospitals charges unnecessary charges ...
Hospital's are overpriced...

[kabirdutta]

Private Hospital 🏥 private college 🎓 and private school all are running business 😔..

[aniket_]

This is the Difference b/w Gyan Therapy & others ❤

[shukantdhanraj]

The recent scam of HDFC ergo India gets moving, where a lot of people including me bought an apple watch and got their claim rejected but due to social media support from influencers like you we all got our claim so thank you a lot😊.

[udaichakraborty]

My wife got admitted to Manipal Hospital and had to undergo gall bladder surgery. Although, approx 60% of the admission expenditure they have settled with the hospital, however rest 40% in some pretext or other they have not paid. In addition to it, just prior to admission the OPD Dr had prescribed for some test, on basis of which she was operated upon. Niva Bupa has refused to reimburse for that too. Sharing my experience, as it happened, for others to know. Thanks.

[vickysharma]

mein 12 mein padta hun ...Maine Bajaj company se reimbursement claim Kiya aur investigator mere ghar aya aur mere se 50 percent amount of the claim amount se demand Kari ...bolta hai aap agar Paisa nhi dete ho toh jao Bima lokpal mein vahan bhi hum Paisa khilate hain ...case mein kuch nahi milega

[rayquick]

Belated Congratulations for being a father 🎉❤🎉❤ you amd family

Aur mera wife ka bhi recently kuch atla hey related to health insurance..but will fight

[venugopal]

Poor people need health insurance....poor people can't fight a him frustrated until he comes to his knees for the worst deal possible

[prajwalmali]

1:06 day by day quality badh rahi he bhaiya bahut acha kam kar rahe ho aap

[hcd]

Maine to health insurance walo ki band baja di thi ... But fir 1 month me unhone pay kr diya... Bas hmko hath dho ke piche padna padta hai

[Aniketjggu]

Bhai ye aap eisi video batate ho respect badh jati hai. Salute you 🫡 jai Hind 🇮🇳

[subhajitdeb]

Govt needs to build proper rules to simplify all these complications..G8t educational video..❤❤❤❤

[Binod]

Cashless me v sirf 60 - 70 % hi milta hai, baki apne pocket se bharo 😢

[drkrishnavardhan]

A very good informative video! To tackle this, Dr. Devi Shetty, a renowned cardiac surgeon and founder of Narayana Hrudayalaya, initiated the Yeshasvini Health Insurance Scheme to provide affordable healthcare to rural farmers and peasants in Karnataka. This scheme, launched in collaboration with the Karnataka State Government, is managed by the Yeshasvini Cooperative Farmers Health Care Trust. The scheme is self-funded and NOT linked to any insurance company. The Yeshasvini Health Insurance Scheme operates on a cooperative model, where members pay a minimal annual premium, giving them access to cashless surgeries at empaneled hospitals. Since Narayana Hrudayalaya directly manages approvals without third-party insurers, it reduces fraudulent claims and unnecessary costs, ensuring funds are used efficiently for genuine medical needs.

[n.]

As an Advocate I would say that it is common for insurance companies to reduce the amount of your claim. As you always have the option to move to a court for a better claim. But in court it would take almost 6-10 years for claim but you will get true value of your claim in the court. The best way I would recommend is
1)Ask for claim from the company itself and if you are satisfied with the claim(not want to fight 10 years in court) than keep it.
2) If not satisfied with the claim than move to court and try yo compromise with the insurance company for a better claim. If you are satisfied with the claim than file a compromise petition and settle the matter in lok adalat.
3) If you are still not satisfied with the claim than fight in court it might take3-10 years though.
Hope this helps😊

[GistOfInternet]

Ek acchi health insurance to sabko leni chahiye. Middle class families bas ek hospitalization se kangaal ho sakti hai.
Pichle saal ek spine issue ki wajah se mai paralyze ho gaya tha. Mera operation Delhi me ek bade doctor ki team ne kiya. Agar paise ki dikkat se operation late ho jata to mai recover hi nahi kar paata. Khud ke paise lagaane ke baad koi savings bhi nahi bachti. Health insurance companies bilkul koi bhi reason nikaal ke claims deny/delay kar sakti hai but fortunately health insurance mere kaam aayi.
Bimari me health ki wajah se jo stress hota hai usme agar paise ka stress beech me na aaye to ye bhi ek blessing hi hai.