So much informative. People are spreading so much rumours on you tube. Many got clarified now. Thank you so much sir. Please revisit and help us getting the best plans🙏
@@davebatista8636 Please take age 36 years with 2+ 2 family medical history of one child is pre matured and we’re admitted in hospital during birth at ventilator for 7 days only. Now fine 1. Male :-36 years 2. Female:-32years. 3. Child1:- 6 years 4. Child2:- 2 years. Looking forward positively
@@davebatista8636 Hello sir mene aj hi video dekha app ka.Meree age 52 hai nd husband ki 58 kal policy bazaar se ik employee aya nd care supreme ke liye force kar gaya.Usne insured some 10 lkh bataya dono ke liye.Sir me bhut confusion mein hun pl app guide kare. Me Chd se hi hun ya apna agr contact nut de sakte hai to pl de.Muje itni knowledge nahee hai policy bare.
Hi sir. Nice podcast. Can you please tell which insurance company has he ported all his policies to? He mentioned that he has ported star, icici lombard to some other company. Which one is that? Which one does he recommend?
सर के द्वारा दी गई जानकारी सटीक एवम काफी महत्पूर्ण है जैसा कि सर ने बताया कि ऑनलाइन पॉलिसी लेना ठीक नही है तो क्या पोलिस बाजार से health insurance सही है या नहीं या एजेंट से लेना चाहिए
Sir to wohi btayenge jo unke liye benefit ho. Policybazaar sirf policy sell hi nhi karta, saath saath claim ke regarding legal service bhi deta h. Agar koi company customer ka paisa nhi deti to fatta fat policybazaar IRDA me case file karke paisa dilwa deta h. Yeh suvidha kisi agent ke bus ki baat nhi...wo atlast apni company ke liye hi loyalty dikhayega aur customer ko sorry bolke haath jad lega...
@@kingamitin bhai befikre hoke karwaiye, I work in Pb as sales advisor.... PB ka sabse bada benefit yeh h that apna khud ka claim depart h jisme saare legalprofessions hote h, claim ke regarding customer ko guide karte rehte h koi samysa aane nahi dete. Maine khud ne is month 8th ko mumbai ke cx ka poora claim pass karwaya h, i got sc to share
BPL only nhi sir MNC walo ki monthly salary 25-30 k hoti(in hand after all deduction) h job lagne k kafi saal baad tak ..so ayushmaan bharat in that case will not work
Isnit good to purchase policy from policy bazar? Mene agent se b policy li hai but did not have good experience. We need to follow them when you claim should b settle n all. Please batao kaha se policy Leni chaiye?
Very good explanation, have one doubt which no one is telling even the companies, like eg. If we have 20 lakhs family float in hdfc optima secure for 5 years long policy and if one patient need to goo for eye cataract surgery, then can we opt high end lens like multifocal , is there any capping on lens category on eye cataract surgery? If yes then who can guide us any official resources can you pls share.
There is capping on cataract on most Health Insurance. I did parents cataract and per eye it costed 43k as we chose good lens but tge capping was 28k so per eye 28k was cashless and rest paid by us. They said as per good eye recommeneded treatment this capping agreed between hospital and the insurer and other costly lens we chose is paid by us as thats fancy acc to them.
@@davebatista8636 Niva Bupa ki policy hai... Reassyre multi individual plan...10 lac cover each for mother father. Premium 46k per year. I have taken in 2020, Mother was 59 years and father 64
Podcast is good bro . But please don't shift your frames too quickly again and again. You are shifting your frames even for your head movements or hmm ..haa .. Even though speaker is still speaking.
My primary question here is: Why such medical services charge lacs of rupees ? Beacuse of less facilities available in country ? Because of hospital is private ? Cant say because in this video Mr Dheeraj said that bonemarrow cost in PGI (govt funded hospital) is 60 lacs. I means why and how ? Do hospitals expense such lot money in medical services ? No. Absolutely not. As I have 15 years of experience in US healthcare, I can say its because of govt poor policies and no command over medical mafias due to emmense pressure and funds from them. We have seen it in COVID period badly and recently in Astrageneca (Covishield in India) case. These world pharma and medical mafias are much bigger than our thinking and they fund to govt and manipulate the policy according to their benefits. Recently i have searched about gallstone surgery (laproscopic cholecystectomy and surprisingly it varies from 30k to 150k INR in Delhi NCR area. How is it possible ? Variation of such minor surgeries can be 10-20 k but 1 lac has blownup my mind. Instead of try to dig down my comment, Think about it.
Dear Brother, Health Insurance will support you like your big brother by the life and will give you financial support to deal with any hospitalisation related to illness and accident. Remember, by the life hospitalisation is one of the biggest financial challenge for any earning member. Every year more than 8% people go below poverty line becz of major illness , 27% sell there assets, property and 43 l% people spoil there life long savings and investment. Whereas, Term insurance will help our family to provide financials (Replacement value of us) after our Natural or accidental death. So, there standard of living will not impact and provide enough backup to deal atleast 5-10years. But the effectiveness and assurance of claims depends upon to factors 1. one is Disclosure of complete generic information about us. 2ndly, about the term and conditions of Company.
Thanks for commenting, I will improve my skills.. Will do a next podcast with him, If you have any questions/doubt so comment us.. We will cover in the video
@@FocusPathOfficial definitely. I have only one request. He has 11 yrs of experience, use it. Make schedule and discuss with him, give maximum time to explain, because both life insurance and term insurance need more information otherwise these companies will just show thenga to Nominee. Hope you can understand.
Sir kab se problem thi aapko... Policy lene se pehle thi ya baad me Agar pehle se thi to waiting period dena hota h 2-4 yrs ka. Mention karwaya tha? Policy kaun si h
Good morning! Sir✨🌻 First of all I pray from God almighty with great Health and positive strength to the person who is struggling with the sickle cell anamiya.🙏✨💐 Chances are rare to offer Health Insurance but you can try with care health insurance. But you have to disclose each and every thing. Things we need to know to give you more clarity on this:- When were you diagnosed with sickle cell anaemia? Do you need to take any regular medication? Do you require blood transfusions? Have you been hospitalised due to the sickle cell anaemia? Have you had any sickle cell crises?
I have one health insurance. After two years I can't continue this policy. Can I get anything after maturity. Rupees Twenty thousand I have paid already but can't continue due to some problem, Can I get any return.
Sir my age is 53, my wife age is 48, my son is 12 years. And If I want to take policy of 50 lac. which health policy will be good with reasonable premium. And can you please suggest a good agent for this. Please reply me. This video is very informative for me.
Thank you! Mr.Sonu for asking this most important question.👍 Please note super top up and Top up plans are cheaper today but in future premium would be multiply. Insurance is all about Term and Conditions and there is a condition product withdrawal and another is product modification which gives companies to right to done any changes. It has been experienced since long, premium is continuously increasing becz of claim experiences and top is most risky product for future of customer. In basic policies premium is balanced and will effect in percent not in multiply. If tomorrow top will be discontinued or premium will multiply so consumer will got stuck either to pay heavy premium or to discontinue. But in another hand basic policy with high sum insured comes with lots of positive side and I strongly discourage any one to buy luxury product loaded with features with no future becz of T&C. Instead our decision should be focused on following parameters, 1. Transparency of material facts. 2. Information of T&C (permanent exclusions, limitations) 3. High sum insured. 4. Good Room Limit. 5. No copayment. 6. Solvency ratio of company. 7. Must ask of premium for upper ages atleast for 15 years to get the fair comparison company to company. Becz there are few companies premium are lower on younger age but at higher age premium is jumping. Looking forward positively, For any clarity please feel free to contact me on my personal No:-7876589718
So that costly policy bech sake... Waise mere pass poora knowledge h Ab jo new plans aaye h unme aapko top up lene ki zaroorat nhi padegi , wo apne aap increase ho jayenge.
@@davebatista8636increase hojayenge but bhot conditions k sth that there has to be a claim free year or something else. And after 5-10 years it will reach 1cr if you purchase 10lakhs of base policy. But by taking supertop you would have covered by 1cr from 1st day of policy.
@@davebatista8636Features is with no future my Dear advisor. Must read Term and conditions of policies becz half of the information is very dangerous.✅ Product modification and product withdrawal is two most dangerous conditions against these attractive features.✅ Basic Sum Insured is the future not these short term features. God bless you brother
Bhai ek advice hain...mujhe lag raha tha iss liye bol raha hu..you are doing well but please repeating nature ko change karo koi guest aake agar kuch bol raha hain to uski baat ko gour se suno aur audience ko sunne do stop repeating their words with them and nord while they are talking... Isse kiya hota hain aapka presentation kharap ho raha hain..guest bohot patience se bol raha hain sun raha hain...aap bhi unka statments khatam hone ka time do phir questions karo agar koi questions hota hain to.. Video meh aapka rush dikh raha hain..jo audience ko pasand nhi ayega.. Please change this habit you are doing well..best of luck.
The interviewer says that you have to say every disease you had to suffer from birth till now, and also quotes an example, but as per IRDAI this is the truth, As part of Guidelines on Standardization IRDAI has already defined Pre-Existing Disease. A Pre-existing disease is defined as under (reproduced verbatim). Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and I or were diagnosed, and I or for which medical advice I treatment was received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter. (Life Insurers may define norms for applicability of PED at reinstatement).
Good morning! Mr.Sourav✨🌻 It totally depends on exact height and weight which will give clarity on exact BMI. If BMI is more than 35 than chances to get Health Insurance is zero and if we manipulate our information to get Health Insurance than chances of getting claim is zero. So, if any person having BMI greater than 34 even he/she must go for diet control followed by yoga and exercise to reduce this. Once it’s less than he/she can apply. Remember:- Transparency of your material facts matter the most.
You are right. I have five tiimes claim settlement experience with star health as a customer and from my experience star reject most of the claims giving trifle logic. In every case i had to go to their grievance cell to get the full settlement of the claim. I will discourage you to take this company as your health insurance partner.
He is just fooling around we will not be able to purchase medical policy more than 1 your Aadhar is linked with each policy, except there is case that you also have corporate health insurance that is seperate from your individual health insurance.
Thank you! So much Mr.Aman for sharing your valuable thoughts & knowledge.👍✨ But little knowledge is always misleading.💡 Let me give you some insights. Please be noted that health insurance policies have no correlation to anyone's income, like term insurance or other life and accident insurance. Anyone can take any amount of sum insured in HI as per their understanding, but in life you can’t exceed your eligibility.✅ Anyone can have multiple health insurances, but he or she needs to declare them to the second insurer and so on. However, he or she can claim the excess amount from the second insurer because these are indemnity policies, not benefit policies. For example, if a person had applied for health insurance for Rs. 25 lakh but, due to his medical conditions, the company accepted the proposal for Rs. 10 lakh, he or she wanted additional coverage, so he or she could apply for another amount from any other company, and there they would need to declare their first policy. Now let’s assume that the insured got hospitalized a few years down the line due to any critical condition, and that claim exceeded 25 lac. So how that claim will be payable.?❓ Ans: He will claim from the 1st insurer, and the insurer will set the claim as per T&C and eligibility. For example, if the insured has earned an NCB of Rs. 5 lakh, the company will settle Rs. 15 lakh, and the rest he can claim from the 2nd insurer for the pending amount only where he needs to give the settlement letter of the previous company.📑 If you recheck the complete video, I specifically said it was the approach when the consumer did not have the high-sum insured option and if person is taking multiple insurance than he need to declare. Looking forward positively for your inputs, You can message me on my Instagram post and where we can exchange our contacts and can have more clarity with telephonic discussion.👇 instagram.com/amazing_dhirajmahajan?igshid=YTQwZjQ0NmI0OA%3D%3D& Profound Regards, Dhiraj Mahajan
Bhai kitna under confident baat kar rahe ho...Wo banda jo bol raha he use bolne do aur suno uski baat.. School ke ladke ki tarah uski baat repeat mat karo.
just started a podcast series, so it is a new thing for me, that's why i am hesitating a little bit, and (repeating the same sentence).. but i will improve my skills.. thanks for commenting, i really appreciate your comment
First try to intimate your company along with relevant documents related to pre-existing diseases. Let the company decide either they will continue your policy with excisions or May without exclusions if nature of diseases is not reoccurrence or May discontinue. Must disclose to company immediately. Through customer support mail I’d and keep cc to your advisor and branch
Awesome information on health insurance sir…knowledgeable video
Superb explanation on best health insurance tips
Great information
Awesome!! Extremely interesting!!
Superb video
Best video
Nice video
Really informative, thank you.
Can we have similar video how to choose insurance company by comparing all values in live?
Dear Sir Thanks for Good Information 🙏
Always welcome! Brother 🙏✨💐
Nice
Very informative podcast 👍👍
Glad you enjoyed it!
So much informative. People are spreading so much rumours on you tube. Many got clarified now. Thank you so much sir. Please revisit and help us getting the best plans🙏
Aap bus ek baar family members ki age n medical history bta dijiye... Market ke saare plans smja ke rakh dunga
@@davebatista8636 Please take age 36 years with 2+ 2 family
medical history of one child is pre matured and we’re admitted in hospital during birth at ventilator for 7 days only. Now fine
1. Male :-36 years
2. Female:-32years.
3. Child1:- 6 years
4. Child2:- 2 years.
Looking forward positively
@@davebatista8636
Hello sir mene aj hi video dekha app ka.Meree age 52 hai nd husband ki 58 kal policy bazaar se ik employee aya nd care supreme ke liye force kar gaya.Usne insured some 10 lkh bataya dono ke liye.Sir me bhut confusion mein hun pl app guide kare. Me Chd se hi hun ya apna agr contact nut de sakte hai to pl de.Muje itni knowledge nahee hai policy bare.
@@davebatista8636 father: bp, diabetes, mild neuro issues.
Mother: heart problem
Doing policy from policy Bazaar is good or not ?please advice
Hi sir. Nice podcast. Can you please tell which insurance company has he ported all his policies to? He mentioned that he has ported star, icici lombard to some other company. Which one is that?
Which one does he recommend?
सर के द्वारा दी गई जानकारी सटीक एवम काफी महत्पूर्ण है
जैसा कि सर ने बताया कि ऑनलाइन पॉलिसी लेना ठीक नही है तो क्या पोलिस बाजार से health insurance सही है या नहीं या एजेंट से लेना चाहिए
Sir to wohi btayenge jo unke liye benefit ho.
Policybazaar sirf policy sell hi nhi karta, saath saath claim ke regarding legal service bhi deta h. Agar koi company customer ka paisa nhi deti to fatta fat policybazaar IRDA me case file karke paisa dilwa deta h.
Yeh suvidha kisi agent ke bus ki baat nhi...wo atlast apni company ke liye hi loyalty dikhayega aur customer ko sorry bolke haath jad lega...
Doing policy from policy Bazaar is good or not ?please advice
@@kingamitin bhai befikre hoke karwaiye, I work in Pb as sales advisor.... PB ka sabse bada benefit yeh h that apna khud ka claim depart h jisme saare legalprofessions hote h, claim ke regarding customer ko guide karte rehte h koi samysa aane nahi dete. Maine khud ne is month 8th ko mumbai ke cx ka poora claim pass karwaya h, i got sc to share
Best helth insurance कंपनी
Sir gramin bank se home loan Lena sahi rahega 7.5% intrest pe
Sir Keya mey baat me child ko add kar sakta hu..
BPL only nhi sir MNC walo ki monthly salary 25-30 k hoti(in hand after all deduction) h job lagne k kafi saal baad tak ..so ayushmaan bharat in that case will not work
Sir Navi health insurance kaisa hai
Isnit good to purchase policy from policy bazar? Mene agent se b policy li hai but did not have good experience. We need to follow them when you claim should b settle n all. Please batao kaha se policy Leni chaiye?
How do we hire a right Medical advisor?
Please provide the top five health insurance provider
Sir thank u ,pehle mai online health insurance kharid raha tha lekin app ki video dekh kar off line lunga
Policy bazar se lena thik rahega ya direct agency channel se
Very good explanation, have one doubt which no one is telling even the companies, like eg. If we have 20 lakhs family float in hdfc optima secure for 5 years long policy and if one patient need to goo for eye cataract surgery, then can we opt high end lens like multifocal , is there any capping on lens category on eye cataract surgery? If yes then who can guide us any official resources can you pls share.
Cataract me koi capping nhi h, aapki policy ka cover ab bonus mila kar approx 40 lakh ho gya hoga... U can use upto Sum insured
There is capping on cataract on most Health Insurance.
I did parents cataract and per eye it costed 43k as we chose good lens but tge capping was 28k so per eye 28k was cashless and rest paid by us.
They said as per good eye recommeneded treatment this capping agreed between hospital and the insurer and other costly lens we chose is paid by us as thats fancy acc to them.
@@imanand11 policy kaun si thi... Aur kahan se li thi aapne?
From which insurer and from where you got it?
@@davebatista8636 Niva Bupa ki policy hai... Reassyre multi individual plan...10 lac cover each for mother father. Premium 46k per year.
I have taken in 2020, Mother was 59 years and father 64
Most of the companies covers only basic lens cost and lens cost may vary according to hospital in which you are getting treatment.
Podcast is good bro .
But please don't shift your frames too quickly again and again.
You are shifting your frames even for your head movements or hmm ..haa .. Even though speaker is still speaking.
Okay got it, thanks for commenting..
My primary question here is:
Why such medical services charge lacs of rupees ?
Beacuse of less facilities available in country ?
Because of hospital is private ? Cant say because in this video Mr Dheeraj said that bonemarrow cost in PGI (govt funded hospital) is 60 lacs. I means why and how ? Do hospitals expense such lot money in medical services ? No. Absolutely not.
As I have 15 years of experience in US healthcare, I can say its because of govt poor policies and no command over medical mafias due to emmense pressure and funds from them. We have seen it in COVID period badly and recently in Astrageneca (Covishield in India) case. These world pharma and medical mafias are much bigger than our thinking and they fund to govt and manipulate the policy according to their benefits.
Recently i have searched about gallstone surgery (laproscopic cholecystectomy and surprisingly it varies from 30k to 150k INR in Delhi NCR area. How is it possible ? Variation of such minor surgeries can be 10-20 k but 1 lac has blownup my mind.
Instead of try to dig down my comment, Think about it.
What is diff between Term insurance and Health insurance
Dear Brother,
Health Insurance will support you like your big brother by the life and will give you financial support to deal with any hospitalisation related to illness and accident.
Remember, by the life hospitalisation is one of the biggest financial challenge for any earning member. Every year more than 8% people go below poverty line becz of major illness , 27% sell there assets, property and 43 l% people spoil there life long savings and investment.
Whereas, Term insurance will help our family to provide financials (Replacement value of us) after our Natural or accidental death.
So, there standard of living will not impact and provide enough backup to deal atleast 5-10years.
But the effectiveness and assurance of claims depends upon to factors
1. one is Disclosure of complete generic information about us.
2ndly, about the term and conditions of Company.
Online policy claim pass nahi hota kya
Bhai, apne guest ko bolne dete to ye video aur kafi accha hai!
Thanks for commenting, I will improve my skills..
Will do a next podcast with him,
If you have any questions/doubt so comment us..
We will cover in the video
@@FocusPathOfficial definitely. I have only one request. He has 11 yrs of experience, use it. Make schedule and discuss with him, give maximum time to explain, because both life insurance and term insurance need more information otherwise these companies will just show thenga to Nominee. Hope you can understand.
21.04 min, dont compare lic with health insurance. Life insurance and Health insurance are totally different things.
Indeed.
What is the difference between Topup & Super Topup ?
In Top up there is always a deductible limit in each claim but in case of super top up it’s once in a year.
If you decleir your madicin toh company aapki request cancel kar deti hai then wt in the age of 61 plz give the right path
There is always a policy for everything, just keep trying.
Is Policy bazaar a good platform?
Sir, mujhe colour blindness hai aur mene 2 yr ho Gaye health insurance liya. Tho mujhe claims ke samay koi dikkat to nahi aaye gi??????
Vaise nhi aayegi problem but aap ab bhi bta sakte hai health insurance company ko jisse woh mention kr dengea aapki policy mein usko.
Sir kab se problem thi aapko... Policy lene se pehle thi ya baad me
Agar pehle se thi to waiting period dena hota h 2-4 yrs ka.
Mention karwaya tha?
Policy kaun si h
Is 1 cr base sum assured better or 5 lac + 95 lac super topup?
Definitely
10 lakh policy with carry forward benefit is best...
Nau panch aath do panch (do baar seh) (do baar aath) nau
Sickle cell anamiya disease ke liye koun sa health insurance le
Good morning! Sir✨🌻
First of all I pray from God almighty with great Health and positive strength to the person who is struggling with the sickle cell anamiya.🙏✨💐
Chances are rare to offer Health Insurance but you can try with care health insurance.
But you have to disclose each and every thing.
Things we need to know to give you more clarity on this:-
When were you diagnosed with sickle cell anaemia?
Do you need to take any regular medication?
Do you require blood transfusions?
Have you been hospitalised due to the sickle cell anaemia?
Have you had any sickle cell crises?
No one will give except pradan manti auyshman bharat
Navi health insurance is best
जिस बीमारी से बीमार होने का सबसे कम खतरा है वो सब बीमारियों के लिए हेल्थ इंश्योरेंस ले लो बस।
I have one health insurance. After two years I can't continue this policy. Can I get anything after maturity. Rupees Twenty thousand I have paid already but can't continue due to some problem, Can I get any return.
No...
Nahi
But aap same policy ko port karwa skte ho kisi dusre cheap plan mein. Health policy band mat karna ho ske to...
Bhai full lla ka video dekh ke questions puch rha h or samne wala nhi batata to khud bta deta h😅
Sir my age is 53, my wife age is 48, my son is 12 years. And If I want to take policy of 50 lac. which health policy will be good with reasonable premium. And can you please suggest a good agent for this. Please reply me. This video is very informative for me.
I m the best agent for health policy
Nau panch aath do panch (do baar seh) (do baar aath) nau
Why they are not telling about high deductible or super top plan for larger sum assured
Thank you! Mr.Sonu for asking this most important question.👍
Please note super top up and Top up plans are cheaper today but in future premium would be multiply.
Insurance is all about Term and Conditions and there is a condition product withdrawal and another is product modification which gives companies to right to done any changes.
It has been experienced since long, premium is continuously increasing becz of claim experiences and top is most risky product for future of customer.
In basic policies premium is balanced and will effect in percent not in multiply.
If tomorrow top will be discontinued or premium will multiply so consumer will got stuck either to pay heavy premium or to discontinue.
But in another hand basic policy with high sum insured comes with lots of positive side and I strongly discourage any one to buy luxury product loaded with features with no future becz of T&C.
Instead our decision should be focused on following parameters,
1. Transparency of material facts.
2. Information of T&C (permanent exclusions, limitations)
3. High sum insured.
4. Good Room Limit.
5. No copayment.
6. Solvency ratio of company.
7. Must ask of premium for upper ages atleast for 15 years to get the fair comparison company to company.
Becz there are few companies premium are lower on younger age but at higher age premium is jumping.
Looking forward positively,
For any clarity please feel free to contact me on my personal No:-7876589718
So that costly policy bech sake...
Waise mere pass poora knowledge h
Ab jo new plans aaye h unme aapko top up lene ki zaroorat nhi padegi , wo apne aap increase ho jayenge.
@@davebatista8636increase hojayenge but bhot conditions k sth that there has to be a claim free year or something else. And after 5-10 years it will reach 1cr if you purchase 10lakhs of base policy. But by taking supertop you would have covered by 1cr from 1st day of policy.
Sir I m unable to see your comments
@@davebatista8636Features is with no future my Dear advisor.
Must read Term and conditions of policies becz half of the information is very dangerous.✅
Product modification and product withdrawal is two most dangerous conditions against these attractive features.✅
Basic Sum Insured is the future not these short term features.
God bless you brother
Namaste sir mai meri family k liye one crore ka helth insurance lena chaha huu ..mujhe per month kitna pay karna padega pl bataiye sir
Sabhi age aur city btaiye...
1 crore me 2-3 options hai jaise niva bupa ka max saver... Mai saari details de dunga
Kaha se copy Kiya....original video Kiska hai
Bhai ek advice hain...mujhe lag raha tha iss liye bol raha hu..you are doing well but please repeating nature ko change karo koi guest aake agar kuch bol raha hain to uski baat ko gour se suno aur audience ko sunne do stop repeating their words with them and nord while they are talking...
Isse kiya hota hain aapka presentation kharap ho raha hain..guest bohot patience se bol raha hain sun raha hain...aap bhi unka statments khatam hone ka time do phir questions karo agar koi questions hota hain to..
Video meh aapka rush dikh raha hain..jo audience ko pasand nhi ayega..
Please change this habit you are doing well..best of luck.
Thank you so much for the valuable comments.
Yes, you are right I will work on this..
The interviewer says that you have to say every disease you had to suffer from birth till now, and also quotes an example, but as per IRDAI this is the truth,
As part of Guidelines on Standardization IRDAI has already defined Pre-Existing Disease. A Pre-existing disease is defined as under (reproduced verbatim).
Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and I or were diagnosed, and I or for which medical advice I treatment was received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter. (Life Insurers may define norms for applicability of PED at reinstatement).
Can you share the contact number of the insurance advisor
Nau panch aath do panch (2 baar seh) (2 baar aath) nau
@@davebatista8636 Thanks
DP mai no hai i am insurance adviser
Agar mera health kharap hone se pehele,jiske pas insurance karbaya o admi mar gaya to kiska pas jau klaim karne ke liye
Company ke officials rahate hai claim support karte hai
Kisi ka weight jyada hai....magar extra bimary nahi hai....uska age 40 hai....usko kya health insurance milega??
Haan sir mil jayegi policy... No problem. Height n weight dono btaiye
@@davebatista8636 height 5"6 weight 88
Yes milega i am insurance adviser
Good morning! Mr.Sourav✨🌻
It totally depends on exact height and weight which will give clarity on exact BMI. If BMI is more than 35 than chances to get Health Insurance is zero and if we manipulate our information to get Health Insurance than chances of getting claim is zero.
So, if any person having BMI greater than 34 even he/she must go for diet control followed by yoga and exercise to reduce this.
Once it’s less than he/she can apply.
Remember:- Transparency of your material facts matter the most.
Sir aapse request hai jab koi guest bol Raha hai lagataar tho pls ye frequently hmm ok ok bilkul haa jaise words bol k flow mat kharaab karo please
thanks for the valuable comment, i am working on it...
keep commenting... 😍😍
Sahi bat he
Star health insurance and paramount is the worst TPA. Please dear friends avoid Star health and Paramount, both are are very very bad companies.😢
Agar aapane correct and authentic information di hai policy lete waqt, claim lete waqt koi problem nahi aata.you take help of ur agent.
You are right. I have five tiimes claim settlement experience with star health as a customer and from my experience star reject most of the claims giving trifle logic. In every case i had to go to their grievance cell to get the full settlement of the claim. I will discourage you to take this company as your health insurance partner.
Doing policy from policy Bazaar is good or not ?please advice
@@kingamitinpata chale toh mujhe bhi btana
Paramount is not an insurance company.
He is just fooling around we will not be able to purchase medical policy more than 1 your Aadhar is linked with each policy, except there is case that you also have corporate health insurance that is seperate from your individual health insurance.
He is just trying to sell. Watch your lifestyle that will help overcome lot of health issues
Llllllllllllllllllllllllllllllllllllllllllllllllllllllllll 16:25
Thank you! So much Mr.Aman for sharing your valuable thoughts & knowledge.👍✨
But little knowledge is always misleading.💡
Let me give you some insights.
Please be noted that health insurance policies have no correlation to anyone's income, like term insurance or other life and accident insurance.
Anyone can take any amount of sum insured in HI as per their understanding, but in life you can’t exceed your eligibility.✅
Anyone can have multiple health insurances, but he or she needs to declare them to the second insurer and so on. However, he or she can claim the excess amount from the second insurer because these are indemnity policies, not benefit policies.
For example, if a person had applied for health insurance for Rs. 25 lakh but, due to his medical conditions, the company accepted the proposal for Rs. 10 lakh, he or she wanted additional coverage, so he or she could apply for another amount from any other company, and there they would need to declare their first policy.
Now let’s assume that the insured got hospitalized a few years down the line due to any critical condition, and that claim exceeded 25 lac. So how that claim will be payable.?❓
Ans: He will claim from the 1st insurer, and the insurer will set the claim as per T&C and eligibility. For example, if the insured has earned an NCB of Rs. 5 lakh, the company will settle Rs. 15 lakh, and the rest he can claim from the 2nd insurer for the pending amount only where he needs to give the settlement letter of the previous company.📑
If you recheck the complete video, I specifically said it was the approach when the consumer did not have the high-sum insured option and if person is taking multiple insurance than he need to declare.
Looking forward positively for your inputs,
You can message me on my Instagram post and where we can exchange our contacts and can have more clarity with telephonic discussion.👇
instagram.com/amazing_dhirajmahajan?igshid=YTQwZjQ0NmI0OA%3D%3D&
Profound Regards,
Dhiraj Mahajan
True
Bhai kitna under confident baat kar rahe ho...Wo banda jo bol raha he use bolne do aur suno uski baat.. School ke ladke ki tarah uski baat repeat mat karo.
just started a podcast series, so it is a new thing for me, that's why i am hesitating a little bit, and (repeating the same sentence).. but i will improve my skills..
thanks for commenting, i really appreciate your comment
Agr meri policy me pehle ki medical history declare nhi hai to use terminate kese kre
Fatta fat apne agent ko btaiye....
Agar 15 din hi huye hai policy ko to aapke poore paise wapis aa jayenge
First try to intimate your company along with relevant documents related to pre-existing diseases. Let the company decide either they will continue your policy with excisions or May without exclusions if nature of diseases is not reoccurrence or May discontinue.
Must disclose to company immediately. Through customer support mail I’d and keep cc to your advisor and branch