Скачать или смотреть Medical Insurance in India Explained | Cashless vs Reimbursement | Dr. Rajashekar Y L

In this informative video, Dr. Rajashekar, Medical Director and Senior Cataract Surgeon at Shekar Eye Hospital, Bangalore, shares his insights on medical insurance in India—an area that continues to cause confusion for many patients. With over three decades of experience in eye care, Dr. Rajashekar discusses the evolving landscape of healthcare and the current state of medical insurance coverage.

He addresses common concerns people have:
🔹 What is cashless insurance?
🔹 What does pay-and-reimburse mean?
🔹 Why do so many patients face hurdles even after having insurance?

Dr. Rajashekar explains that while medical insurance is designed to support patients during health emergencies, the system often falls short—especially due to communication gaps and a lack of clarity around procedures.

Many assume that cashless insurance means signing a form and getting everything covered, but the actual benefits depend heavily on the Memorandum of Understanding (MoU) between the hospital and the insurance provider—not just your policy. On the other hand, when patients opt for the reimbursement route, they may be able to claim as per the full policy benefits—but this requires proper documentation and can feel overwhelming.

The good news? Many hospitals, including Shekar Eye Hospital, help patients with paperwork and guide them through the process. The key is understanding the difference between MoU rates (for cashless claims) and policy rates (for reimbursements), and making an informed choice.

If you're unsure about your medical insurance or worried about claim rejection, this video is a must-watch.

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Disclaimer: These videos provided by Shekar Eye Hospital are intended to provide unbiased scientific information to the general public. The videos are generic and are meant to provide general information for educational purposes only. They do not serve as a guide for treatment in any individual case. Patients are advised to consult a practising doctor for specific treatment advice.