Points To Check While Buying A Health Insurance Policy | Clauses In Policy | CA Rachana Ranade

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In this video I have discussed in detail about the various clauses that are generally present in the health insurance policies and which everyone must know. What happens usually is that people pay the premiums timely but when the time to claim comes, they are actually unaware of the inclusions / exclusions, co-payment clauses, claim settlement procedure etc. Watch this video till the end to be educated on this issue.

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What is covered?
00:00 – Introduction
01:15 – What is the Co-payment clause?
02:41 – What is the Zonal Co-payment clause?
04:08 – What are the permanent exclusions in health insurance?
04:58 – What is the Waiting period clause?
06:27 – How can someone help us?
07:42 – What is the Room rent restrictions clause?
09:03 – What are the steps that we should do in case we have to submit a claim?
11:20 - How to handle claim rejections? and Conclusion

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#RachanaRanade #stockmarket #insurance
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Thumb rule for buying an Insurance - Don't ask what's covered in the policy. Always ask what's not covered in the policy.

TheBullInvestment
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Notes: Co-pay clause; zonal clause; permanent exclusion; waiting period; room rent restrictions; cashless claim - planned treatment; emergency treatment; claim rejection.

rajeshsridhar
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You are such a great financial advisor i have ever seen. I appreciate your hard work. Hope to see more videos in this channel. Please make a video on how to protect demat account from hackers

arumillirajesh
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What a coincidence... I'm 24 nd I'm planning to buy a family health insurance...bcoz of which I'm going through a lot of vdo's...2days back i watched ur health insurance vdo...n today u come up with this vdo..donno why bt felt connect with you n ur vdo's..feels like elder sister is explaining something 😍... Thank you so much Rachna Tai🥰... it really helped me to select my plan

clumsy
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It was a wonderful informative video. However I would like to add one more point. There is a ceiling limit for certain procedures. Like for example for cataract you get max 30 k per eye per year.

Additionally there are some things called gipsa agreement or something similar between insurer and hospital where only a portion would be claimed. Again it varies between hospitals.

There is a personal experience in this regard. A private hospital would claim only 50 k as per GIPSA agreement for C-Section although the total expected cost was around 1 lakh for cashless. The remaining amount would need to be born by individual.

r
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Thanks for adding subtitles otherwise person like me having listening problem in both ears can't understand ur learning. Again thank you so much. And pls keep adding subtitles in all ur videos.🙏

viralshukla
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How come you always present all the aspects & that too a very simple manner, so as a layman also can easily understand. Really, u r a great teacher & a trainer too. Blessings.

dilipd
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Thanks for an eye opener video. It would have been an additional info if you could have spoke about choosing "Family Floater" or "Individual" type of health insurance... Even a shorts will be nice if you make it. Thanks🙏

viveksiddarthkalyanasundar
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Thank You Rachana 🥰 I'm planning to take a health insurance for my parents, this was very informative 🤝🏻 I've learnt alot of things.

karthiksubramani
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Thank you very much for the video, through this I came to know if your claim gets rejected or anything else to whom we should approach. Just now sent a mail to IRDAI regarding my issue and the next moment I have received reply from Health Insurance company.

Thank you very much. You are doing very great job, Keep it

ketanddd
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You are a great teacher for all financial matters.

nitinvishwakarma
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Awesome! your potential seems timeless. Understanding your financial needs and chalking out a plan remains the smart way to prepare for the unexpected. 11yrs in investing space and extremely pleased with the decision I made. The good news is — it’s not too late...

lailacraig
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I'm from Risod, I thought nobody knows this Taluka but surprisingly you know abt it

Shivd
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Wow! Clear and concise explanation. The video I was looking for. Thank you

harishmathivanan
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Thanks for the update and keep doing what you do. <My journey in the current market has taught me a lot of lessons, at the top of that list is that it never pays to live above one's means. I have managed to grow a nest egg of around $600k to a decent 7 figures in the space of a few months. Sad to say but a lot of us have poor money management skills. My 2 cents -get an advisor to keep you accountable and aid you make better decisions, Carol Ann Mcelroy been helping me a lot, all through my journey. I find it better to pay a little bit more for peace of mind than worry about money or market trends and still get burned.

investingwithdrda
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The most insightful video I've watched by now, I've watched a lot of videos on Health Insurance but none mentioned the Zonal Copay along with what to do if your claim gets rejected, Some cool info by ma'am thank you

aayushkalyat
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Love u mam! You explain complex things in such simple words🙃

shading_and_art
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This is the most informative video i found today!

anujacodkar
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Thank you Rachna mam, I have learnt so much from your videos, good work as always 👍

steffy
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It was comprohensive.
Thank You.
Please elaborate on Travel Abroad Health Insurance policy.

lakshmeesharma