Health Insurance Dark secrets!🤯 | The Allrounder Show - 32 | Ft Shashank - Ditto Insurance

In this episode, we sit down with Shashank from Ditto Insurance to break down everything you need to know about health insurance. From understanding why it matters, to the common mistakes people make while choosing a policy, this conversation simplifies a topic that most of us tend to ignore until it’s too late.

We talk about the realities of medical costs in India, how insurance actually works, and why being prepared is the smartest financial decision you can make for yourself and your family. Shashank also shares his insights on choosing the right plan, avoiding hidden clauses, and the role of transparency in building trust around insurance.

If you’ve ever been confused about health insurance, this episode is a must-watch.

Learn more about Ditto Insurance here: https://ditto.sh/wmlgqp

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Timeline

0:00 - Trailer and intro
2:18 - Health Insurance Starter
3:52 - Why private insurance?
5:15 - No GST on insurance?
7:08 - Health vs Life Insurance
9:20 - Pre hospitalisation costs
12:25 - Insurance coverage explained
15:10 - Mental health coverage
16:55 - Terms and Conditions
18:02 - UP Fraud ..
19:10 - Pre existing diseases ..
22:15 - 3, 2 and 1 year waiting period
26:22 - Aggregator vs Agent ..
29:11 - Specific illness waiting period
31:30 - Diabetes Capital India ..
33:44 - PED insurance accident cover
35:00 - Add-ons ..
41:05 - Family vs Individual Policy ..
45:17 - Office/ Corporate Insurance
48:10 - Multiple Insurances
51:46 - Copay clause ..
53:10 - Co-pay explained
56:00 - Room rent limit ..
59:10 - Insurance awareness drives
1:05:25 - Celebrity Leg, Butt, Voice insurance ..
1:06:25 - Black listed hospitals ..
1:10:50 - Cashless insurances ..
1:13:48 - Sum insured and restoration
1:18:30 - Top 5 recommendations ..
1:26:19 - Questions to be asked (Claim settlement ratio, Incurred Claim Ratio , Complaint volume, Track record) ..
1:30:00 - No claim bonus
1:31:10 - International, Travel Insurance
1:33:00 - Conclusion


Why The AllRounder show ?

We are content consultants who enjoy bringing our practical experience to entertain and educate people. Currently building 'ALLROUNDERS' - a dynamic show that celebrates the diversity of talent and interest, offering something for everyone. Whether it's entertainment, lifestyle, or trending topics, Allrounders is all about connecting with people across various walks of life in a way that's fresh, fun, and relatable.

As creators deeply rooted in Kannada culture, we are committed to producing content that resonates with local audiences, while also reaching a broader spectrum of viewers. We believe in the power of collaboration—whether with other content creators, brands, or organizations—to deliver meaningful, high-quality content that stands out. The goal is to bring the best of minds in one place and build groundbreaking content for the next gen

Currently, we are looking to collaborate with brands who share our vision of bringing the best of Kannada-English language content to the forefront. If you're interested in working together to create innovative, audience-centric content that amplifies your brand’s message, let's connect!

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Abhishek Savalagi -   / abhisheksavalagi