The Biggest Lie About Cashless Health Insurance | The Biggest Lie EXPOSED | Ditto Insurance

Описание: Book a FREE call with Ditto and speak to an IRDAI-certified advisor - https://ditto.sh/rg114q

In this video, Shashank breaks down one section of the health insurance policy document that most people completely skip — exclusions. These are the exact clauses that silently decide whether your claim gets approved, partially paid, or outright rejected. Using real policy wordings from multiple insurers, we explain what exclusions actually mean, why insurers include them, and how they can directly impact your hospital bill.

Video highlights.
→ Why exclusions exist and why they are not a “scam”
→ The difference between permanent exclusions and temporary exclusions
→ Common permanent exclusions like cosmetic treatments, non-medical expenses, OPD, fertility treatments, substance abuse, and experimental procedures
→ Temporary exclusions that disappear with time, including initial waiting period, pre-existing diseases, specific illnesses, and maternity
→ Red flags to watch for, like cancer included under specific illness waiting periods
→ How riders and add-ons can override or reduce exclusions
→ When riders actually make sense and when they don’t
→ Why exclusions matter more than just premium comparisons
→ Where exactly to find exclusions inside your policy wording

Who this video is for.
This video is for anyone who already has health insurance or is planning to buy one.
→ If you’ve ever heard “sir, this is not covered” during a claim
→ If you don’t know what your policy excludes
→ If you’re comparing plans from HDFC Ergo, Care, Aditya Birla, ICICI, Niva Bupa, or others
→ If you want your insurance to actually work when you need it most

What we will discuss.
→ Permanent exclusions that never go away
→ Temporary exclusions and waiting periods
→ How insurers treat pre-existing diseases
→ Maternity, OPD, and preventive care exclusions
→ Consumables and non-medical expenses that inflate hospital bills
→ How add-ons like consumables cover, PED waiver, and maternity riders help
→ How to read exclusions inside policy documents without losing your sanity

→ Still unsure what your policy actually covers and what it doesn’t?
Book a FREE consultation with Ditto — https://ditto.sh/rg114q

Ditto is a registered web aggregator and works with select insurers. This explanation is unbiased and based purely on policy wordings and IRDAI guidelines.

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