Indian Business Podcast The Ultimate Insurance Guide for 2026| Health Insurance SECRETS revealed ft. Pawan Kumar Rai| Ditto
Mar 16, 2026
Pawan Kumar Rai, co-founder of Ditto Insurance and health-insurance practitioner, shares practical wisdom on buying and claiming medical cover. He unpacks insurer reliability, how to pick the right cover amount, when intermediaries help, and why full disclosure and record-keeping matter. Short, clear guidance on network hospitals, top-ups, and spotting mis-selling.
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Prefer 10–15 Lakh Base Cover
- Do choose cover of roughly Rs.10–15 lakh as a practical base cover and rely on built-in annual bonus to grow sums insured.
- Pawan recommends 10–15L as enough for most events while bonuses raise effective cover each year.
Use An Intermediary For Claim Support
- Do pick an intermediary (broker/aggregator) who provides post-claim support, not just a purchase channel.
- Pawan explains intermediaries help with re-assessments, underwriting mistakes and appeals at no extra premium cost.
Pneumonia Claim Won After Paperwork Review
- Pawan describes a child pneumonia case where insurer cut Rs.8,000 for ‘unjustified’ extra days.
- Ditto obtained indoor case papers and doctor notes to justify nebulisation and recovered the full amount.