Fraud Health Insurance: இன்சூரன்ஸ் போடுறதுக்கு முன்னாடி இதை தெரிஞ்சுக்கோங்க | Explain in Tamil скачать в хорошем качестве

Fraud Health Insurance: இன்சூரன்ஸ் போடுறதுக்கு முன்னாடி இதை தெரிஞ்சுக்கோங்க | Explain in Tamil

Ditto Insurance Free call slot booking Spam-free Health Insurance - https://ditto.sh/fxsgil நீங்களும் Social Media-ல Success ஆக, எங்களோட 'How to Become Successful in Social Media Course” வாங்க இந்த link ah கிளிக் பண்ணுங்க: https://bit.ly/Ti-social-links Follow Theneer Idaivelai Social Media Handles: Youtube:    / @theneeridaivelai   Instagram: www.instagram.com/theneeridaivelai Facebook: www.facebook.com/TheneerIdaivelai Twitter: www.twitter.com/theneeridaivela Whatsapp Channel: whatsapp.com/channel/0029Va5cjmu5q08TDLhhYe1J For Brand Collaborations: Email: [email protected] Phone: 8925648880 This video is about: Hey buddy! Here's a detailed but simple explanation of key health insurance terms that confuse most people — like Co-Pay, Room Rent Limit, Restoration, and Cashless Network. These are very important when choosing or using any health insurance policy 👇 💡 1. Co-Pay (Co-Payment) 🔹 What is it? Co-Pay means you agree to pay a portion of the hospital bill and the insurance company pays the rest. 🧮 Example: Let’s say you have a policy with 20% co-pay: Your hospital bill: ₹1,00,000 You pay: ₹20,000 (20%) Insurance pays: ₹80,000 (80%) ✅ When does it apply? Often applies to senior citizen plans or treatments in non-network hospitals Some policies offer zero co-pay, which is better for the customer 🛏️ 2. Room Rent Limit 🔹 What is it? This is the maximum amount your policy will pay per day for room charges in a hospital. 💡 Types: Capped Room Rent: ₹5,000/day or 1% of sum insured per day Room Type Limit: Only for shared room or standard room No Room Rent Limit: You can choose any room freely ⚠️ Why it matters: If your room rent exceeds the limit, ALL other charges (like doctor fees, surgery, nursing) may also get partially reduced. This is called “proportionate deduction.” 🧮 Example: Room Rent Limit: ₹5,000/day You take a room of ₹10,000/day Then, even if your bill is ₹1,00,000, the insurer may only approve 50% (i.e., ₹50,000) 🔁 3. Restoration Benefit 🔹 What is it? If your sum insured gets used up in a year, this feature restores the full amount again — for free (but only for a different illness in most cases). 💡 Example: Your plan sum insured: ₹5 Lakhs You use it all in March for a heart issue. Then in July, you get hospitalized again for an accident. Restoration gives you another ₹5 Lakhs. ✅ Some policies allow: Multiple restorations in a year Even for same illness (rare, premium policies only) 🏥 4. Cashless Network 🔹 What is it? If you get treatment at a hospital tied up with your insurer, you don’t have to pay from your pocket (except non-covered items). This is called Cashless Claim. ✅ How it works: Go to network hospital (check on insurer’s app or site) Show Health ID card / policy number Hospital sends bill to insurance company for approval After approval, you get treated without paying upfront 💰 What you might still pay: Room upgrade charges Non-medical items (like gloves, admission kit, etc.) Any amount beyond policy limits ✅ Subscribe To Our Other YouTube Channels: Nattu Nadapu:    / @naattunadappu   Street Light:    / @streetlightscience   Skiddy:    / @skiddytamil   Lets Dance:    / @letsdance3608   Welcome to Theneer Idaivelai! Like a refreshing tea break, our channel offers a blend of content on social issues, health, lifestyle tips, self-improvement, and Tamil culture, engaging a community of 7.7 million subscribers/followers across social media platforms. With a proud reach and an active audience worldwide, we’re thrilled to be a voice that brings awareness, inspiration, and a touch of light-heartedness to your daily routine. Whether you're looking to spark a change, learn something new, or simply enjoy insightful conversations, Theneer Idaivelai is your perfect companion to stay informed and entertained. We believe in creating a positive space for growth, discussions, and a sense of belonging that encourages you to think, laugh, and take action. Join us on this journey and be part of a growing family!