🚨 Don’t Buy Health Insurance Before Watching This! Telugu Podcast Ft.Bhanu Gurram

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In this Episode of the Telugu Connects Growth Podcast, we have Bhanu Gurram, co-founder of Ditto Insurance & Finshots, with our host Vamsi Giduthuri, CMO of AutuX. This episode discusses rising medical costs, insurance mistakes, financial planning, and shocking insurance scam stories a must-watch if you want to secure your future.

Medical inflation in India is now 14% per year. The cost of treatments like angioplasty and kidney transplants has doubled in the last few years, and it will keep rising. Despite this, people focus on stocks, mutual funds, and savings plans but ignore health insurance, which is a huge financial mistake. Many save ₹10,000 per month for years, but if a medical emergency happens, all that savings vanishes in one go. Instead, a good health insurance plan can protect your money.

We also discuss bike insurance—many parents spend lakhs on bikes for their kids but forget to take insurance, which is risky. Bhanu shares some shocking insurance scam stories.

If you work in an MNC and get company health insurance, is that enough? We explain the difference between company insurance and personal insurance and why having both is important. Another common doubt—can you take multiple insurance policies and claim from all of them? What happens if someone hides smoking or drinking habits while buying insurance and then tries to claim later?

We also talk about marriage and divorce insurance, with real-life examples like Yuzvendra Chahal (₹40 Cr insurance) & Hardik Pandya (who insured 70% of his net worth for alimony). What happens if an entire family dies in an accident and there is no nominee? Who gets the insurance money? Bhanu explains how insurance companies handle such cases and why many Indian families don’t name a nominee properly.

Other key topics include travel insurance for IRCTC, Rapido, buses, and flights, whether suicides are covered under insurance, and why health insurance is mandatory in the USA but not in India. We also compare government insurance schemes like Ayushman Bharat (PM-JAY) with private insurance, which one is better?

We uncover some hidden secrets of the insurance industry, explain why hospitals and insurance companies work together, and why buying insurance is so complicated with paperwork and medical tests.

Bhanu also shares how Ditto Insurance works, covering term, life, and health insurance, and gives practical advice on how a 25-year-old should choose the right plan. He explains how insurance prices increase with age, what questions to ask before buying insurance, and his experience working with Zerodha’s Nithin Kamath as an investor.

Finally, Bhanu shares his biggest business lessons, regrets, and advice for young professionals. This episode contains valuable insights that can save you lakhs of rupees in the future. Don't miss it watch now!

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Timestamps:
00:00 Teaser
03:00 Medical inflation in India
05:08 Financial management in health
06:20 My friend’s example
08:00 Bike insurance 1st party vs 3rd
11:20 Bike insurance vs Health insurance
13:08 Hospitals insurance scams
17:45 MNC Insurance vs Personal Insurance
20:14 Can we take multiple insurance and Claim?
23:00 What if don’t admit at insurance Company?
24:24 Insurance on weird things!
25:30 After death to whom the insurance money is given
28:27 Why term is insurance is seen that wrong way
30:01 Where this 0.45 paisa going in irctc ticket insurance
32:55 Are suicides covered under insurance?
33:53 Insurance company vs Hospital relation
35:00 Biggest insurance scams
36:54 Insurance company business model
37:50 Watch this if have insurance!
42:55 Most common insurance abuse
45:20 How insurance companies make money
47:08 Pre covid vs post covid insurance prices
48:33 Insurance covers in Covid
49:12 Government insurance schemes vs Regular insurance
51:20 Hidden things by insurance companies
55:45 Why insurance process is hard
1:02:00 What is term insurance
1:08:55 How to choose insurance?
1:10:40 Things to see before taking insurance
1:15:01 Ditto business model
1:17:24 Why insurance in USA is mandatory
1:18:50 Things to see before taking term insurance
1:25:34 Relationship with Nithin Kamat
1:28:20 learnings from Nithin Kamat
1:30:45 3 Best life learnings
1:33:02 Regrets in Life


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