I had a conversation with Vishnu Pellakuru, a seasoned expert in health insurance with experience at industry leaders like Uber and Acko. Vishnu has a front-row seat to how health insurance works in India and, more importantly, where it fails millions of families during their most vulnerable moments.
In this episode, we unpack the uncomfortable truths behind health insurance policies that many of us blindly trust. Did you know that over 60% of healthcare expenses in India are still paid out-of-pocket? Or that medical inflation is racing ahead at 14% annually, far outpacing most income growth?
We dive deep into the real issues: delayed or denied claims, sneaky exclusions, false promises of cashless treatments, and why ₹10 lakh coverage might no longer cut it in today’s world. Vishnu also sheds light on the hidden pitfalls of cheap premiums, the role of agents who often push high-commission plans, and the importance of asking the right questions before you buy.
If you’ve ever wondered why your insurance doesn’t protect you when you need it most, or how to make smarter choices without getting lost in jargon and fine print, this episode is for you.
Tune in to understand:
What to watch out for in health insurance policies
How to avoid common traps that lead to claim denials
The mindset shift every Indian needs to protect their family’s future
Practical steps to prepare BEFORE a medical emergency hits
Get ready for a candid, eye-opening conversation that could save you from financial and emotional heartbreak.
Don’t miss this essential episode of the Ropana Podcast with Vishnu Pellakuru, your guide to decoding the health insurance maze.
Hit play now, because change begins with honest conversations.
🔗 Connect with Vishnu Pellakuru –
LinkedIn: https://www.linkedin.com/in/vishnu-pellakuru-415249128/
I'd love to hear your thoughts on this episode, too. Do you have feedback or reflections on the Ropana Podcast?
Let’s talk. Send me a message using the link below.
Reach me (Host of Ropana Podcast) –
LinkedIn: https://www.linkedin.com/in/shreya-innovative-medic-voice/
Instagram: https://www.instagram.com/ropanapodcast