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📌 Term & Health Insurance Q&A | Clear Your Insurance Doubts
Confused about Term Insurance and Health Insurance? 🤔
In this video, we answer the most common and important questions related to term plans and health insurance to help you make smart financial decisions for you and your family.
🎯 In this Q&A video, we cover:
✔ What is Term Insurance and why it is important
✔ Difference between Term Insurance & Health Insurance
✔ How much term cover should you take?
✔ When should you buy health insurance?
✔ Individual vs Family Floater Health Plans
✔ Common mistakes people make while buying insurance
✔ Claim process explained in simple words
✔ Tips to choose the right insurance policy
Whether you are a beginner, a working professional, or planning for your family’s financial security, this video will help you understand insurance in a simple and practical way.
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Thanks for watching.
Team Money Purse

What is in for you?
00:00 Introduction
02:12 Why have insurance companies been reluctant to offer the Critical Illness rider with term insurance plans over the past year?
10:05 Is it more appropriate to add a Critical Illness rider to a health insurance policy or to a term insurance policy? Why?
11:23 Do we currently have a standard formula for calculating the Claim Settlement Ratio, or does it vary across insurers?
15:44 How many claims has Ditto supported for policyholders so far?
18:24 Have you encountered any claim rejections based on Crazy reasons? 
23:47 What precautions or training do you provide to advisors to minimize policy rejections and claim issues?
28:44 Have you seen policy holders facing problems due to porting?
31:24 Does Ditto partner with only a limited number of insurance companies instead of offering products from all insurers? What is the reason for this approach?
37:35 Is Ditto truly a spam-free platform for customers? How is this ensured?
41:54 Some applicants report not receiving calls even after booking a call slot. How do you address such situations?
43:41 Are you currently hiring? If yes, what qualifications are you looking for, and what compensation structure do you offer?
46:58 Is it true that Ditto advisors do not have sales targets? If so, how does this impact advice quality?
50:13 Have there been cases where you were unable to assist with a claim? If yes, what were the common reasons?
53:44 When application forms ask only about recent medical history, how should applicants disclose older or relevant information to avoid future claim rejections?
57:16 How do insurance companies evaluate and underwrite applicants involved in new-age or adventure hobbies such as skydiving, trekking, or biking?
59:57 What type of data or information do insurance companies typically analyze during claim investigations that applicants may not be aware of?
01:01:57 How do insurance companies assess and handle proposals from applicants with pre-existing diseases (PEDs)?
01:03:18 Are you noticing a trend where existing policyholders are adding new policies or increasing their sum assured? What is driving this behaviour?


Disclaimer: We are not SEBI registered. Before taking any positions, contact your financial advisor. we are not responsible for any Profits or losses; whatever we are providing here is purely educational and informational point of view