I sold a family floater policy of this product just because of this review. I sent link of this review to customer ,he watched carefully , ask some questions and after satisfaction today he purchased this product. Thanks mam
does restassured 2.0 require pre medical tests for all ages or is it similar to icici lombard which doesnt require pre-checkup if one is under 45 years age? please share.
Thank you so much , keep watching . We have finally compared it with HDFC ERGO Optima Secure as well now. LINK : ua-cam.com/video/B7Bi8qjNcLY/v-deo.html
Agar koi patient dialasys per aa jata hai to kya dialasys cover hoga , kyun ki policy wordings me peritoneal dialasys cover nahi hai aisa dikh raha tha ..
Agar kisi pass existing policy h jisme 2 adults hai and 14 years se policy chal rhi h aur koi bhi claim nahi h aaj tak. Ab last 3-4 years se 1 ko Sugar aur 1 BP ki medicines le rhe h.. Ab wo isme port karwata h to kya day 1 se Sugar and BP cover hoga yaa waiting period applicable hoga....
Pls aap bata do kya drawbacks hai waise? Itne features ke baad sirf ek hi problem ho sakti hai that is claim settlement duration... Seriously agar aapko pata hai toh bata do
@@ramgopal4840 jab aisa hoga tab tak aur bhi new insurance plans aa jayenge aur riders bhi available ho jayenge situation ke hisab se. So no need to worry about that
@@FinanceWala365 I agree dear. but future me riders ka wait karna and insurance plan shift karna to other plan with growing age kaha tak sahi hai? acko health premium plan kaisa laga aapko?
गुरलीन जी आपने रोबोटिक सर्जरी में 100000 की लिमिट की बात की लेकिन उन रोबोटिक प्रोसीजर्स की बात नहीं की जिनके लिए अप टू सम एश्योर्ड हम क्लेम कर पाएंगे। it's very very significant.
Following Mam for a while, it would be better if you could also do it in english as there is a language understanding problem. I respect all languages. From Tamil Nadu :)
Yes, we are trying to bring english videos as well. We have added all the main pointers in ENGLISH in the video in tabular from. If you have any queries regarding the plan, feel free to connect with us on WhatsApp/Call at 9650706699. OR you can fill up this short form & our team can connect with you directly. FORM LINK : hareepatti.com/contact-us/ Thank you & keep watching !
Mam iss policy and Birla one nxt wali me konsi achi hai, maine niva bupa le li thi, par aap ki comparison video dekh k confusion ho gya so cancel krwa raha hu. Ab btao pls dono me se konsi achi hai , mukhe bo thyroid bhi hai
mam in standard exclusions u have mentioned Investigation and evaluation..can u please explain it. Bcz if a patient is hospitalised he would have to undergo some investigations etc
mam can i upgrade from my existing 4th year continuous Reassure Policy to Reassure 2.0 OR i have to start again from beginning by buying New Reassure 2.0 Policy
Firstly Mam ap na bhaut bhaut pretty ho 😍 and how deeply you analyse the product to make us understand the core of everything in a simple language. Thank you so much. God bless, keep smiling and shining 🌟
Hi Mam, i have a question related to organ expense or similar expense. When you say organ donor expense is covered upto sum assured, will it also include boosters(like 5x)? Can we avail booster sum also in this expense?
This new policy plan was released yesterday the day when I ported my wife's Niva bupa reassure to Care supreme and we dont regret this switch because ÇS is providing a limited offer on pregnancy without waiting period of amount 25K upto 2 deliveries. More over the modern treatment is SI and above all, claim ratio and hospitals are more than what NB is offering and premium is also less. The only new feature that is good in NB is lock the clock. Moreover my suggestion is not to pay for multiple years because every year insurers comes up with better plan and we should make use of port and move to it.
You will know the true face of CARE once you go to them for some service. I'm having supreme policy and while purchasing they gave annual health checkup ad on instead of NCB super. It was a mistake from their side and it's almost 2 months still they didn't correct the issue. I have already sent more than 10 emails.
इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa।
@@jaiprakash-hp3xw इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa।
@@jareeshkjames6788 इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa। इसकी क्या गारंटी है जब कोई दूसरी कंपनी टेक ओवर कर लेगी तो उसके क्या रूल्स होंगे कितना प्रेशराइज्ड किया जाएगा इस वक्त ग्राहक को जैसे एचडीएफसी ने प्रीमियम बढ़ा के किया लोग अपने आप भाग गए किसी दूसरी कंपनी में। और एक बात ये बात कहीं ओपन नहीं किया की क्लेम आने पर कितना प्रीमियम बड़ेगा इसका कोई curricular नहीं बताया गया।
Hi, we already have a comparison video available on our channel. Please check : ua-cam.com/video/B7Bi8qjNcLY/v-deo.html For any queries, you can connect with us on WhatsApp/Call at 9650706699 Our team can assist you 😊
@gurleen I checked online and here I see safeguard + defined as " Get access to additional benefits like - annual increase in coverage based on inflation rate, Coverage for non-payable items (as per annexure 1), and protection of Booster+ benefit from small claims up to INR 1 Lakh" but in video you say it covers all annexure Can you clarify
Hi, for any queries related to this plan or any assistance required, feel free to connect with us on WhatsApp/Call at 9650706699. Thank you , keep watching !
Can we migrate from existing reassure plan to this 2.0 plan? What is the premium amounts for senior citizens? No clock lock is available for senior citizens too?
Thanks a lot for sharing a neatly drafted explanation. However, Please help me by clarifying few points:- 1. Is congenital heart disease covered under PED or is excluded from this policy? 2. Is there any restriction for re-hospitalisation expense for same disease in same year in this policy ? 3. Can I include my parent ( age 70+) in family floater policy though there is PED ( cardiac ailment surgery history).
I'm no expert but from my experience of reading policy document, here is my view: 1. All internal and external congenital diseases fall under permanent exclusions. 2. No restriction. 3. I think there's an entry age limit of 65 so I don't think you can add your father
Mujhe is saal ka annual health checkup Nehi Mila, Kolkata me rehta hu or niva Bupa ka koi bhi reputed health checkup centre cashless Nehi hain,mere Ghar se 40-50 km dur Hain....or Jo lab hain unka kabhi naam Nehi suna......Ghar pe bhi koi person Jo blood sample leta Hain arrange Nehi kar paya.....4-5 bar request karne ke baad bhi...
Please reach out to us for specific plan suggestion as per your requirement:- ⇨ WhatsApp : wa.me/message/VJCYEKX3EWHOE1 ⇨ Call : 9650706699 ⇨ Mail us at: info@hareepatti.com ⇨ Contact us : hareepatti.com/contact-us/
I want to know is there any capping of sum insured while porting to this policy. I mean if i have 5 lacs policy is it mandatory to port to 10 lacs SI in Niva Bupa Reassure 2.0
In this plan policy amount gets carried forward but reassure amount gets deducted after each claim. Nothing remains in that. This is as per their illustrations given. Kindly check
Yes. She got this point completely wrong. Her examples were projecting completely wrong facts. Completely misleading! She should at least put edits/corrections in description box.
Will varicocele embolisation be covered? And what will be the wait time. This would be a day procedure. Thanks for so many videos on insurance. Great work madam.
Thank you so much Mam for the detailed video. You truly help us by showing us all the details. I had a query regarding my existing ReAssure policy. I would be very thankful to you if you could answer it. I already have a ReAssure plan and will be renewing it next month. So will it directly modify my plan to ReAssure 2.0??? Or will I continue with the old plan?
You have to continue with the old plan only. Currently there is no internal portability. Also, Thank you so much for finding our content informative. Thank you & keep watching !
In almost all the policy adventure sports activities are not covered. Is there any policy you know mam which covers adventure activities, either in built or by any rider?
Yes, you can add disease management rider. For more details, feel free to connect with us on WhatsApp/Call at 9650706699. Our team can assist you with any queries or in buying the plan. Thank you 😊
Mam - There are three variants in this product- Bronze,Platinum and Titanium. Can you elaborate what is the main difference between these three variants and which among the three is best suited for a young family of 2 adults and 1 kid?
Hi, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you in choosing a suitable plan & explain the difference as well. Thank you 😊
what is the difference between booster+ and reassure? if reassure is unlimited then what is the use of getting 10x addition of unutilized sum insured.. Hello Mam, can u pls explain this with example, i guess there is some catch..
Thank yo ma'am! Very nice information! 👍Niva Bupa really raising the benchmark to a next level. Will be interesting to see how HDFC ERGO answers this to retain customers.
@@GurleenKaurTikku इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa। इसकी क्या गारंटी है जब कोई दूसरी कंपनी टेक ओवर कर लेगी तो उसके क्या रूल्स होंगे कितना प्रेशराइज्ड किया जाएगा इस वक्त ग्राहक को जैसे एचडीएफसी ने प्रीमियम बढ़ा के किया लोग अपने आप भाग गए किसी दूसरी कंपनी में। और एक बात ये बात कहीं ओपन नहीं किया की क्लेम आने पर कितना प्रीमियम बड़ेगा इसका कोई curricular नहीं बताया गया। Pls check Bupa’s India JV Niva Bupa said to be weighing stake sale at $2 billion valuation economictimes.indiatimes.com/industry/banking/finance/insure/bupas-india-jv-niva-bupa-said-to-be-weighing-stake-sale-at-2-billion-valuation/articleshow/97915297.cms Download Economic Times App to stay updated with Business News - etapp.onelink.me/tOvY/135dde21
इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa। इसकी क्या गारंटी है जब कोई दूसरी कंपनी टेक ओवर कर लेगी तो उसके क्या रूल्स होंगे कितना प्रेशराइज्ड किया जाएगा इस वक्त ग्राहक को जैसे एचडीएफसी ने प्रीमियम बढ़ा के किया लोग अपने आप भाग गए किसी दूसरी कंपनी में। और एक बात ये बात कहीं ओपन नहीं किया की क्लेम आने पर कितना प्रीमियम बड़ेगा इसका कोई curricular नहीं बताया गया। Pls check Bupa’s India JV Niva Bupa said to be weighing stake sale at $2 billion valuation economictimes.indiatimes.com/industry/banking/finance/insure/bupas-india-jv-niva-bupa-said-to-be-weighing-stake-sale-at-2-billion-valuation/articleshow/97915297.cms Download Economic Times App to stay updated with Business News - etapp.onelink.me/tOvY/135dde21
Thankyou so much for such a detailed video. I just have a concern on the Robotic surgery, is this an area of concern to be considered for future? Please advise
If all other features meets your requirements then you should go with the plan because there is no one perfect plan that would cover everything. Also, if you have any other queries regarding the plan, connect with us on WhatsApp/Call at 9650706699. Thank you
I bought a Niva Bupa policy last year with premium 19.5k, now on renewal they are asking 26k whereas on new policy premium is 22k. So once u buy Niva Bupa , they take u for granted
More details please- policy name, add ons taken, age last year and this year on renewal, etc. Did you share your concern with the company? What did they say?
Can you compare reaasure 2.0 and tata aig. Tata aig have lots of othet benefits. Also wiuld love to compare with respect to robotic surgeries,overseas cover and maximum sum assired thsy can reach. Restore and bonus comparison as well.Thanks
इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa। इसकी क्या गारंटी है जब कोई दूसरी कंपनी टेक ओवर कर लेगी तो उसके क्या रूल्स होंगे कितना प्रेशराइज्ड किया जाएगा इस वक्त ग्राहक को जैसे एचडीएफसी ने प्रीमियम बढ़ा के किया लोग अपने आप भाग गए किसी दूसरी कंपनी में। और एक बात ये बात कहीं ओपन नहीं किया की क्लेम आने पर कितना प्रीमियम बड़ेगा इसका कोई curricular नहीं बताया गया। Pls check Bupa’s India JV Niva Bupa said to be weighing stake sale at $2 billion valuation economictimes.indiatimes.com/industry/banking/finance/insure/bupas-india-jv-niva-bupa-said-to-be-weighing-stake-sale-at-2-billion-valuation/articleshow/97915297.cms Download Economic Times App to stay updated with Business News - etapp.onelink.me/tOvY/135dde21
I jus opeted for floaters of 5 lac me and my husband,unlimited restoration,5times increase in no claims bonus,lock in premium till u claim,carryover the amount left of sum assured(if u have 5 lac policy and u opted fr 2 lac then your 3 lac and restoration of 5 lac will be carried forward nxt yr)..and many more option too,hope i don’t need to claim but if so it should be smooth 🙏
Is there any cap in any medical treatment? Like I have seen in some health insurance policy, they have mentioned that 10% of sum insured you can avail for cataract. Nothing is mentioned in the policy wording. It will be really helpful if you kindly confirm this mam.
Ma'am why did you not disclose about the inflation related hike in the policy premium. I have confirmed with Niva Bupa that if the company increases the base premiums of the plans because of the inflation rise, then lock the clock doesn't work there. We would need to pay the increased premium. Lock the clock only benefits us from the premium increased by the age slabs and not this inflation related rise in the premium.
I have renewed my mother's policy in Jan 23 for 3 years (Reassure old 10 lakh), can i move it to Reassure 2.0 for these 3 years or at least the upcoming 2 years? Also is porting possible from other service provider to Niva considering this is a new launch plan? Asking this as Care Supreme is not allowing to porting as it's a new plan. Overall it's the best plan and will not have any compitition from any service provider even if it's Care or HDFC. And the most important part, you explained it well. I always recommend my friends to check your videos who thinks health insurance is futile investment.
1. You can internally migrate to reassure 2.0 at the time of renewal only which is in 2026 2. Portability is currently not allowed in this plan Thanks jee for your support :)
Hi gurleen ji i have doubt that Moder treatment and my mother is suffering with knee pain and I'm going take the plan titanium+ please suggest me good one she age is 49 and no other disease expect BLOOD PRESSURE
Hello Ma'am, what is the scope of unlimited tele-consultations? Like, can we consult the doctors for normal fever, cough and other seasonal issues or is it related to the hospitalization?
Mam. Agar kisi ne 30 ki age pe policy li. 5 saal claim nahi liya. Aur 6th year me usne apna sun insured increase karna chaha tab kya uska premium 30 ki age pe hi calculate hoga ya 36 age calculate hoga.?
Nice video Guruleenji. For this video. One thing you should clear that these changes will applicable on renewal of old reassure policies. Other doubt about when a claim arise at age 45 and policy is taken at age 32. Client will pay which amount as premium, it will same as of age 45 person who are taking a new policy and pay a fix amount of premium of that age or old client will pay more than that. 3 Rd point in reassure premium change appear at every 5 year time slot but you have not clear about this feature of age group slot premium change. Another point abhi tak disease management and smart health rider bhi old clients ko available nahi hai old policy me. What about that point.
1. One can migrate to Reassure 2.0 at the time of renewal 2. Premium will be paid at per 45 age slab 3. yes, 5 years age slabs 4. Smart health rider can be added
Nice detailed video, I have reassure old plan. I wanted to migrate to a new reassure 2.0 but the pre-existing diseases which I have declared in old policy will again have to wait for more 3 years or it would be considered as continuation.
Clock ko to Lock Ker Denge but when jab Lock khulega tab kitna premium badega aur aage ki age mein premium badne ke kya clauses hai? Any Upper Limit on Premium Increase?
Hello Mam, very informative video. As I am considering to buy Reassure 2.0, could you plese help me know if Critical illnesses are covered in this policy if they are diagnosed AFTER taking the policy? Also, I see that Robotic surgeries have a coverage of 1L per claim which is very low. Please can you share your thoughts on this?
Hi, glad that you found the video . For any queries on Niva Bupa ReAssure 2.0 you can connect with our team on WhatsApp/Call at 9650706699. They may assist you. Thank you & Keep Watching !
What happened if a Helarh insurance company lossed and clossed. Stoped its services. Im now 35yrs joined a insurance, 2073 company clossed, i becomes 85yrs I go for another insurance. What happened if happed so 😂😂❤
The thing is that insurance policies are regulated by IRDAI. So, when a company goes bankrupt, its policies are taken over by other companies or others. IRDAI exists for these reasons, to protect the interests of the insurance policyholders.
Hello Mam - Although the total sum insured can go up to 5x or 10x in Reassure 2.0, my understanding from the policy wordings is that, the ICU charges will only be paid by company only till the base sum insured (i.e 10 lakh/20 lak etc.) and not up to the total sum insured. Is this understanding correct? Can you please shed light on this.
Amazed to see the way you explained has solved many of my queries, i hv one question... i stay in zone 2 ... wll I not be able to get admit in zone 1 in case of health issues or any co-pay I need to pay to opt for Zone 1 with Niva bupa policy of zone2 ?
I had bought this policy 8 months ago . In policy document my and family member's height and weight wrongly mentioned. It could be affected on policy when I will claim in future?
small doubt madam ,, 1) if had any claim then premium will increase next renewal time right ?? if premium will increase how much amount will add as per previous premium ?? --- please reply madam in your free time
Thanks for the information ma'am, I have a doubt, if we bought 10L sum insured, and we didn't claim for 4 years sonit becomes 40L, now we do a claim in 5th year for 5 lacs, the 35 Lacs will be carry forwarded?
We can't comment on any 3rd party intermediary but can only assure on the service we provide as insurance agents. It's the service that matters at the time of claims. Please connect with us on WhatsApp/Call at 9650706699. Our team will be happy to assist you in choosing a suitable plan according to your requirements. Thank you 😊
I purchased Reassure in 2022 . Will the age be locked to my age that was last year or would it be locked on renewal to Reassure 2.0 & on renewal will I get 2.0 or for old customers it will be the old policy?
Excellent explanation Mam! Keep this up👍👏👏👏😊
Thank you Sir :)
Mam please conform
EECP (Enhanced External Counter Pulsation) Treatment cover in any health insurance policy yes or not
I sold a family floater policy of this product just because of this review. I sent link of this review to customer ,he watched carefully , ask some questions and after satisfaction today he purchased this product. Thanks mam
Mam thank you so much aap bahut accha samjhate ho or aap bahut accha bolte ho..god always bless you mam...thanks a lot 😊😊❤
Thanks a lot jee, keep watching !
does restassured 2.0 require pre medical tests for all ages or is it similar to icici lombard which doesnt require pre-checkup if one is under 45 years age? please share.
Ma'am you skipped one information in lock the clock, what happens to subsequent premiums after you claim for the first time. Please clarify.
Excellent video, first detailed video on Niva Bupa 2.0 on UA-cam.
You are doing great work Mam. Hats off
Thank you so much , keep watching . We have finally compared it with HDFC ERGO Optima Secure as well now. LINK : ua-cam.com/video/B7Bi8qjNcLY/v-deo.html
Agar koi patient dialasys per aa jata hai to kya dialasys cover hoga , kyun ki policy wordings me peritoneal dialasys cover nahi hai aisa dikh raha tha ..
Agar kisi pass existing policy h jisme 2 adults hai and 14 years se policy chal rhi h aur koi bhi claim nahi h aaj tak. Ab last 3-4 years se 1 ko Sugar aur 1 BP ki medicines le rhe h.. Ab wo isme port karwata h to kya day 1 se Sugar and BP cover hoga yaa waiting period applicable hoga....
Chemotherapy and dialysis is not co ered in this plan. Only oral chemotherapy covered. Is that correct?
You didn't talk about drawbacks of this policy. You only discussed positive points.
Pls aap bata do kya drawbacks hai waise? Itne features ke baad sirf ek hi problem ho sakti hai that is claim settlement duration... Seriously agar aapko pata hai toh bata do
@@fahaddesai3466 problem is of only 1 lakh cover of robotic surgeries and other modern surgeries. mostly surgeries in future will be robotic
@@ramgopal4840 jab aisa hoga tab tak aur bhi new insurance plans aa jayenge aur riders bhi available ho jayenge situation ke hisab se. So no need to worry about that
@@FinanceWala365 I agree dear. but future me riders ka wait karna and insurance plan shift karna to other plan with growing age kaha tak sahi hai? acko health premium plan kaisa laga aapko?
गुरलीन जी आपने रोबोटिक सर्जरी में 100000 की लिमिट की बात की लेकिन उन रोबोटिक प्रोसीजर्स की बात नहीं की जिनके लिए अप टू सम एश्योर्ड हम क्लेम कर पाएंगे। it's very very significant.
Mam please conform
EECP (Enhanced External Counter Pulsation) Treatment cover in any health insurance policy yes or not
Following Mam for a while, it would be better if you could also do it in english as there is a language understanding problem. I respect all languages. From Tamil Nadu :)
Yes, we are trying to bring english videos as well. We have added all the main pointers in ENGLISH in the video in tabular from.
If you have any queries regarding the plan, feel free to connect with us on WhatsApp/Call at 9650706699.
OR you can fill up this short form & our team can connect with you directly. FORM LINK : hareepatti.com/contact-us/
Thank you & keep watching !
Mam iss policy and Birla one nxt wali me konsi achi hai, maine niva bupa le li thi, par aap ki comparison video dekh k confusion ho gya so cancel krwa raha hu. Ab btao pls dono me se konsi achi hai , mukhe bo thyroid bhi hai
Well made! I just want to know if I can port my Heartbeat Niva Bupa Family Floater Plan to Reassure 2.0
Please make a detailed video on Modern and Robotic sublimits considering this is it suggested to take this product?
mam in standard exclusions u have mentioned Investigation and evaluation..can u please explain it. Bcz if a patient is hospitalised he would have to undergo some investigations etc
Out patient consultation hai ki nahi
mam can i upgrade from my existing 4th year continuous Reassure Policy to Reassure 2.0 OR i have to start again from beginning by buying New Reassure 2.0 Policy
Excellent explaination Gurleen ji .Superb
Thanks a lot, keep watching !
Sir if i opt 5 lac S.I reassure policy and later can i take top up to increase S.I at nominal rate...Is it possible
Mam what about OPD ? Limit in OPD ? Does it include pharmacy and diagnostics?
OPD is add-on, 25k cover for 6300 rps 1 year
Love the way u explain. U covered everything in a very simple way👍🏻👍🏻👍🏻
Just 1 question... Can NRI avail this policy benefits?
Yes
Thank you so much jee !
For any queries or assistance required in buying the plan, connect with us on WhatsApp/Call at 9650706699
Firstly Mam ap na bhaut bhaut pretty ho 😍 and how deeply you analyse the product to make us understand the core of everything in a simple language. Thank you so much. God bless, keep smiling and shining 🌟
Thank you so much, keep watching !
Ma'am kya ayush treatment k cashless hospital list ka update mil sakta hai bcz companies se reimbursement krana bhut muskil ho jata hai Ayush me
What above Reassure Bronze, Gold and Bronze +
Hi Mam, i have a question related to organ expense or similar expense.
When you say organ donor expense is covered upto sum assured, will it also include boosters(like 5x)? Can we avail booster sum also in this expense?
Yes, you can
This new policy plan was released yesterday the day when I ported my wife's Niva bupa reassure to Care supreme and we dont regret this switch because ÇS is providing a limited offer on pregnancy without waiting period of amount 25K upto 2 deliveries. More over the modern treatment is SI and above all, claim ratio and hospitals are more than what NB is offering and premium is also less. The only new feature that is good in NB is lock the clock. Moreover my suggestion is not to pay for multiple years because every year insurers comes up with better plan and we should make use of port and move to it.
If u port ..ur policy ..without knowing rules of portablility ..then will end up as a non disclouser without even knowing
You will know the true face of CARE once you go to them for some service. I'm having supreme policy and while purchasing they gave annual health checkup ad on instead of NCB super. It was a mistake from their side and it's almost 2 months still they didn't correct the issue. I have already sent more than 10 emails.
इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa।
@@jaiprakash-hp3xw इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa।
@@jareeshkjames6788 इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa। इसकी क्या गारंटी है जब कोई दूसरी कंपनी टेक ओवर कर लेगी तो उसके क्या रूल्स होंगे कितना प्रेशराइज्ड किया जाएगा इस वक्त ग्राहक को जैसे एचडीएफसी ने प्रीमियम बढ़ा के किया लोग अपने आप भाग गए किसी दूसरी कंपनी में। और एक बात ये बात कहीं ओपन नहीं किया की क्लेम आने पर कितना प्रीमियम बड़ेगा इसका कोई curricular नहीं बताया गया।
Mam compared with hdfc ergo with niva bhupia reassure 2.O which best both in it pl reply
Hi, we already have a comparison video available on our channel. Please check : ua-cam.com/video/B7Bi8qjNcLY/v-deo.html
For any queries, you can connect with us on WhatsApp/Call at 9650706699
Our team can assist you 😊
@gurleen I checked online and here I see safeguard + defined as "
Get access to additional benefits like - annual increase in coverage based on inflation rate, Coverage for non-payable items (as per annexure 1), and protection of Booster+ benefit from small claims up to INR 1 Lakh" but in video you say it covers all annexure Can you clarify
Safeguard is annexure 1 and Safeguard + is all annexures
what is waiting period for this policy if i switch from health companion niva bupa plan ???
Why the non payable items list shows subsumed in room charges/treatment cost and procedure cost?
Hi, for any queries related to this plan or any assistance required, feel free to connect with us on WhatsApp/Call at 9650706699.
Thank you , keep watching !
wonderfully explained!!!
Thanks a lot jee, keep watching & do Subscribe for more such informative videos 😊👍
Isme agar disease Management option liya to day 1 se Thyroid ka coverage milega?
Under Disease managemnet rider, Only BP and diabetes PED are covered from Day 1
Good opinions but robotics surgery and premium waver discount is not up to the market
Please explain more on modern treatment Sub Limit? Wanted to check if this will be an issue if not taken?
It's still the same. If you have any further queries, connect with us on WhatsApp at 9650706699.
bronze + bhi cover kiya hota maam
Madam husband 48, wife 50, son 23 , daughter 20 hai madam reassure 2.0 ka monthly and yearly premium Kya bnega g
Can we migrate from existing reassure plan to this 2.0 plan?
What is the premium amounts for senior citizens?
No clock lock is available for senior citizens too?
Migration is currently not possible
Lock the clock facility is available for everyone.
Thanks a lot for sharing a neatly drafted explanation.
However, Please help me by clarifying few points:-
1. Is congenital heart disease covered under PED or is excluded from this policy?
2. Is there any restriction for re-hospitalisation expense for same disease in same year in this policy ?
3. Can I include my parent ( age 70+) in family floater policy though there is PED ( cardiac ailment surgery history).
I'm no expert but from my experience of reading policy document, here is my view:
1. All internal and external congenital diseases fall under permanent exclusions.
2. No restriction.
3. I think there's an entry age limit of 65 so I don't think you can add your father
Mujhe is saal ka annual health checkup Nehi Mila, Kolkata me rehta hu or niva Bupa ka koi bhi reputed health checkup centre cashless Nehi hain,mere Ghar se 40-50 km dur Hain....or Jo lab hain unka kabhi naam Nehi suna......Ghar pe bhi koi person Jo blood sample leta Hain arrange Nehi kar paya.....4-5 bar request karne ke baad bhi...
Lower zone wala agar higher zone mein treatment le tou kya affect hoga ? Apne btaya nhin ise
There is no effect. You may take treatment anywhere.
Excellent explanation👍👍
Thank you jee, keep watching .
Do SUBSCRIBE & HELP US GROW 😊
Good see ur video nd thank u
Wanted ur advice
Need to buy any of above
M37,F32,F9,F5,M2
Which one is most suitable for us.
Thank u mam
Please reach out to us for specific plan suggestion as per your requirement:-
⇨ WhatsApp : wa.me/message/VJCYEKX3EWHOE1
⇨ Call : 9650706699
⇨ Mail us at: info@hareepatti.com
⇨ Contact us : hareepatti.com/contact-us/
I want to know is there any capping of sum insured while porting to this policy. I mean if i have 5 lacs policy is it mandatory to port to 10 lacs SI in Niva Bupa Reassure 2.0
Hi, Please connect with us on WhatsApp/Call at 9650706699
Our team can assist you !
Hi I want to know if the cost of gall bladder /cataract operation are covered from Day 31.
You can check the policy wordings available on the website.
All the limits are mentioned specifically
Thank you !
In this plan policy amount gets carried forward but reassure amount gets deducted after each claim. Nothing remains in that. This is as per their illustrations given. Kindly check
Yes. She got this point completely wrong. Her examples were projecting completely wrong facts. Completely misleading! She should at least put edits/corrections in description box.
Will varicocele embolisation be covered? And what will be the wait time. This would be a day procedure. Thanks for so many videos on insurance. Great work madam.
Please check with insurance company for this specific procedure
Thank you so much Mam for the detailed video. You truly help us by showing us all the details. I had a query regarding my existing ReAssure policy. I would be very thankful to you if you could answer it. I already have a ReAssure plan and will be renewing it next month. So will it directly modify my plan to ReAssure 2.0??? Or will I continue with the old plan?
You have to continue with the old plan only. Currently there is no internal portability.
Also, Thank you so much for finding our content informative.
Thank you & keep watching !
In almost all the policy adventure sports activities are not covered. Is there any policy you know mam which covers adventure activities, either in built or by any rider?
Not covered in health insurance policies, however in some Personal accidental policies, it is coverd as a rider
Is there a raider for BP & diabetes...for 63yrs person to cover immediately?
Yes, you can add disease management rider. For more details, feel free to connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with any queries or in buying the plan.
Thank you 😊
Mam - There are three variants in this product- Bronze,Platinum and Titanium. Can you elaborate what is the main difference between these three variants and which among the three is best suited for a young family of 2 adults and 1 kid?
Hi, please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you in choosing a suitable plan & explain the difference as well.
Thank you 😊
Major difference is NCB limit
what is the difference between booster+ and reassure? if reassure is unlimited then what is the use of getting 10x addition of unutilized sum insured.. Hello Mam, can u pls explain this with example, i guess there is some catch..
Hi, For any queries related to this plan : feel free to connect with us on WhatsApp/Call at 9650706699.
Thank you , keep watching !
Thank yo ma'am! Very nice information! 👍Niva Bupa really raising the benchmark to a next level. Will be interesting to see how HDFC ERGO answers this to retain customers.
Sugar and BP coverd day one or not
@@sandeepkanaji3911 covered with extra premium
It's one of the best plans offered in the current market as it's new.
@@GurleenKaurTikku
इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa। इसकी क्या गारंटी है जब कोई दूसरी कंपनी टेक ओवर कर लेगी तो उसके क्या रूल्स होंगे कितना प्रेशराइज्ड किया जाएगा इस वक्त ग्राहक को जैसे एचडीएफसी ने प्रीमियम बढ़ा के किया लोग अपने आप भाग गए किसी दूसरी कंपनी में। और एक बात ये बात कहीं ओपन नहीं किया की क्लेम आने पर कितना प्रीमियम बड़ेगा इसका कोई curricular नहीं बताया गया।
Pls check
Bupa’s India JV Niva Bupa said to be weighing stake sale at $2 billion valuation
economictimes.indiatimes.com/industry/banking/finance/insure/bupas-india-jv-niva-bupa-said-to-be-weighing-stake-sale-at-2-billion-valuation/articleshow/97915297.cms
Download Economic Times App to stay updated with Business News -
etapp.onelink.me/tOvY/135dde21
इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa। इसकी क्या गारंटी है जब कोई दूसरी कंपनी टेक ओवर कर लेगी तो उसके क्या रूल्स होंगे कितना प्रेशराइज्ड किया जाएगा इस वक्त ग्राहक को जैसे एचडीएफसी ने प्रीमियम बढ़ा के किया लोग अपने आप भाग गए किसी दूसरी कंपनी में। और एक बात ये बात कहीं ओपन नहीं किया की क्लेम आने पर कितना प्रीमियम बड़ेगा इसका कोई curricular नहीं बताया गया।
Pls check
Bupa’s India JV Niva Bupa said to be weighing stake sale at $2 billion valuation
economictimes.indiatimes.com/industry/banking/finance/insure/bupas-india-jv-niva-bupa-said-to-be-weighing-stake-sale-at-2-billion-valuation/articleshow/97915297.cms
Download Economic Times App to stay updated with Business News -
etapp.onelink.me/tOvY/135dde21
Highly useful.
Glad it was helpful!
Thankyou so much for such a detailed video.
I just have a concern on the Robotic surgery, is this an area of concern to be considered for future? Please advise
If all other features meets your requirements then you should go with the plan because there is no one perfect plan that would cover everything.
Also, if you have any other queries regarding the plan, connect with us on WhatsApp/Call at 9650706699.
Thank you
I bought a Niva Bupa policy last year with premium 19.5k, now on renewal they are asking 26k whereas on new policy premium is 22k. So once u buy Niva Bupa , they take u for granted
More details please- policy name, add ons taken, age last year and this year on renewal, etc. Did you share your concern with the company? What did they say?
Have you checked age slab.
I m confused between care supreme and niva buma reasdure 2.O plus मुझे कौन सी लेना चाहिए??
Please connect with us on WhatsApp/Call at 9650706699 .
Our team may assist you 😊
Hi mam, is it better to take safeguard plus or higher sum assured for niva bupa reassure 2.0?
The objective of both are different , so it should be higher sum assured and safeguard+ both
Can you compare reaasure 2.0 and tata aig. Tata aig have lots of othet benefits. Also wiuld love to compare with respect to robotic surgeries,overseas cover and maximum sum assired thsy can reach. Restore and bonus comparison as well.Thanks
NOTED ✅
Will try to put a video soon 😊 keep watching !
Gurleen didi..Brilliant video..Absolutely marvelous✅.. 🕋👍👌👌
Thanks a lot ✅ Keep Watching 😊
@@GurleenKaurTikku 🕋👍
इसीलिए मैक्स से niva यानी कि ट्रू नॉर्थ ने खरीदी अब फिर से बिक रही है। इन्ही niva की पूरी टीम मिलकर अपोलो मुनीच को बेच कर एचडीएफसी में आए हैं आज उनके सारे नियम चेंज हो गए हैं एचडीएफसी की प्रीमियम आप लोग भी पता कर सकते हैं आज 50 से 60% बढ़ा डाले हैं। फिर से एक तगड़ा पोर्टफोलियो खड़ा कर के बेचने की फिराक में है ये niva Bupa। इसकी क्या गारंटी है जब कोई दूसरी कंपनी टेक ओवर कर लेगी तो उसके क्या रूल्स होंगे कितना प्रेशराइज्ड किया जाएगा इस वक्त ग्राहक को जैसे एचडीएफसी ने प्रीमियम बढ़ा के किया लोग अपने आप भाग गए किसी दूसरी कंपनी में। और एक बात ये बात कहीं ओपन नहीं किया की क्लेम आने पर कितना प्रीमियम बड़ेगा इसका कोई curricular नहीं बताया गया।
Pls check
Bupa’s India JV Niva Bupa said to be weighing stake sale at $2 billion valuation
economictimes.indiatimes.com/industry/banking/finance/insure/bupas-india-jv-niva-bupa-said-to-be-weighing-stake-sale-at-2-billion-valuation/articleshow/97915297.cms
Download Economic Times App to stay updated with Business News -
etapp.onelink.me/tOvY/135dde21
Mam my question is rifill benefits unlimited time but the same disease if any hospitalized can coverd
yes, covered
I jus opeted for floaters of 5 lac me and my husband,unlimited restoration,5times increase in no claims bonus,lock in premium till u claim,carryover the amount left of sum assured(if u have 5 lac policy and u opted fr 2 lac then your 3 lac and restoration of 5 lac will be carried forward nxt yr)..and many more option too,hope i don’t need to claim but if so it should be smooth 🙏
Is there any cap in any medical treatment? Like I have seen in some health insurance policy, they have mentioned that 10% of sum insured you can avail for cataract. Nothing is mentioned in the policy wording. It will be really helpful if you kindly confirm this mam.
Please share some contact details
Zone me baata gaya hai two parts me। Kya poore india ke hospital me ilaz ho sakta hai na? Zone wise hospital me ilaz nahi na hona hai?
Jee, PAN India kahin bhi treatment le sakte hain
Very nice explanation 🎉🎉🎉🎉
Thanks jee 😊
please add cons as well..
Ma'am why did you not disclose about the inflation related hike in the policy premium. I have confirmed with Niva Bupa that if the company increases the base premiums of the plans because of the inflation rise, then lock the clock doesn't work there. We would need to pay the increased premium.
Lock the clock only benefits us from the premium increased by the age slabs and not this inflation related rise in the premium.
Also it was not very clear will the any lock in period after 3 years renewal if any claim happen in middle.
Excellent presentation 👍
Thank you, keep watching!
Mam isme cataract surgery covered hai kya
yes
Mam port karwana hai old reassure se 2.0 me and hadc ergo se bhi port 2.0
Yes
Hello Ma’am,
Can I switch from existing re-assure plan to this 2.0 version? If yes then how? Please let me know.
Migration is currently not possible
I have renewed my mother's policy in Jan 23 for 3 years (Reassure old 10 lakh), can i move it to Reassure 2.0 for these 3 years or at least the upcoming 2 years? Also is porting possible from other service provider to Niva considering this is a new launch plan? Asking this as Care Supreme is not allowing to porting as it's a new plan. Overall it's the best plan and will not have any compitition from any service provider even if it's Care or HDFC. And the most important part, you explained it well. I always recommend my friends to check your videos who thinks health insurance is futile investment.
1. You can internally migrate to reassure 2.0 at the time of renewal only which is in 2026
2. Portability is currently not allowed in this plan
Thanks jee for your support :)
Please explain with example for base sum reduction in future.
Okay , Thank you for the feedback. We will try to implement in our future videos.
Keep Watching 😊
Hi gurleen ji i have doubt that Moder treatment and my mother is suffering with knee pain and I'm going take the plan titanium+ please suggest me good one she age is 49 and no other disease expect BLOOD PRESSURE
Hello jee, Currently there is sub limit of 1 lac on robotic surgeries except few specified surgeries in Niva Bupa Reassure 2.0
Hello Ma'am, what is the scope of unlimited tele-consultations? Like, can we consult the doctors for normal fever, cough and other seasonal issues or is it related to the hospitalization?
Normal consultation as well
Mam. Agar kisi ne 30 ki age pe policy li. 5 saal claim nahi liya. Aur 6th year me usne apna sun insured increase karna chaha tab kya uska premium 30 ki age pe hi calculate hoga ya 36 age calculate hoga.?
36 ki age se
How is minimum 2 hours hospitalization different from that of policies by other companies?
Because most of the insurance plans requires minimum 24 hours of hospitalisation
mam ham zone 2 me rahate hain.. ham zone 1 par koi hospital mein treatment korne ja sakte hain kya without charge? koi co payment dena hoga kya?
No co payment
currently, is migration possible from reassure to reassure 2 during renewal. Kindly clarify?
Not yet
Nice video Guruleenji. For this video.
One thing you should clear that these changes will applicable on renewal of old reassure policies.
Other doubt about when a claim arise at age 45 and policy is taken at age 32. Client will pay which amount as premium, it will same as of age 45 person who are taking a new policy and pay a fix amount of premium of that age or old client will pay more than that.
3 Rd point in reassure premium change appear at every 5 year time slot but you have not clear about this feature of age group slot premium change.
Another point abhi tak disease management and smart health rider bhi old clients ko available nahi hai old policy me. What about that point.
1. One can migrate to Reassure 2.0 at the time of renewal
2. Premium will be paid at per 45 age slab
3. yes, 5 years age slabs
4. Smart health rider can be added
Nice detailed video, I have reassure old plan. I wanted to migrate to a new reassure 2.0 but the pre-existing diseases which I have declared in old policy will again have to wait for more 3 years or it would be considered as continuation.
@@vipulmore2145It would be covered in continuity
Clock ko to Lock Ker Denge but when jab Lock khulega tab kitna premium badega aur aage ki age mein premium badne ke kya clauses hai? Any Upper Limit on Premium Increase?
The premium will be charged as per age slab in the year in which you claim
Hello Mam, very informative video. As I am considering to buy Reassure 2.0, could you plese help me know if Critical illnesses are covered in this policy if they are diagnosed AFTER taking the policy?
Also, I see that Robotic surgeries have a coverage of 1L per claim which is very low. Please can you share your thoughts on this?
Hi, glad that you found the video .
For any queries on Niva Bupa ReAssure 2.0 you can connect with our team on WhatsApp/Call at 9650706699.
They may assist you.
Thank you & Keep Watching !
Dibatac and hipertension coverd from day one is it continue or changed
It's continued in this product as well. Smart Health Rider is available 😊
Annual health checkup up claim lene se lock the clock nahi rahega kya?
no , annual health check up is complimentary
What happened if a Helarh insurance company lossed and clossed.
Stoped its services.
Im now 35yrs joined a insurance,
2073 company clossed, i becomes 85yrs
I go for another insurance.
What happened if happed so 😂😂❤
The thing is that insurance policies are regulated by IRDAI. So, when a company goes bankrupt, its policies are taken over by other companies or others. IRDAI exists for these reasons, to protect the interests of the insurance policyholders.
Wow 😍 Awesome Product 💯
Thank you, keep watching !
Hello Mam - Although the total sum insured can go up to 5x or 10x in Reassure 2.0, my understanding from the policy wordings is that, the ICU charges will only be paid by company only till the base sum insured (i.e 10 lakh/20 lak etc.) and not up to the total sum insured. Is this understanding correct? Can you please shed light on this.
There is no such clause, ICU charges will be paid as per actuals upto Sum assured at that time
Good policy for honest policy holders and non greedy persons.
Yes, it's a great plan 😊
Amazed to see the way you explained has solved many of my queries, i hv one question... i stay in zone 2 ... wll I not be able to get admit in zone 1 in case of health issues or any co-pay I need to pay to opt for Zone 1 with Niva bupa policy of zone2 ?
Thank you jee, there will be no zonal co-payment
Is this covering the Maternity Claims as well? Please explan.
No, not covered !
@@GurleenKaurTikku Is it not covered after 2 years ?
I had bought this policy 8 months ago . In policy document my and family member's height and weight wrongly mentioned.
It could be affected on policy when I will claim in future?
I too want to buy this plan, wt is age n premium, which plan?
Hi ma'am , if i do the yearly medical test, does it consider as a claim ?
no , medical tests are complimentary !
small doubt madam ,, 1) if had any claim then premium will increase next renewal time right ?? if premium will increase how much amount will add as per previous premium ??
--- please reply madam in your free time
It will be charged as per your age slab in which you are following subsequent to the claim year
Bahut good video bnate ho..aap,, this reassure policy ch delivery cesarean and normal ka claim kya hai ji ?
Maternity benefits are not part of this plan
Thanks for the information ma'am,
I have a doubt, if we bought 10L sum insured, and we didn't claim for 4 years sonit becomes 40L, now we do a claim in 5th year for 5 lacs, the 35 Lacs will be carry forwarded?
Yes, absolutely
Should we buy policy directly from insurance websites or 3rd party like policy bazaar? Please advise
We can't comment on any 3rd party intermediary but can only assure on the service we provide as insurance agents.
It's the service that matters at the time of claims.
Please connect with us on WhatsApp/Call at 9650706699.
Our team will be happy to assist you in choosing a suitable plan according to your requirements.
Thank you 😊
I purchased Reassure in 2022 . Will the age be locked to my age that was last year or would it be locked on renewal to Reassure 2.0 & on renewal will I get 2.0 or for old customers it will be the old policy?
No, these are 2 separate policies for now.
@@GurleenKaurTikku thank you for the revert!
is it better to purchase a policy for 2 years? In this case, booster will work? can explain in details
For any queries or assistance in buying the plan , connect with us on WhatsApp/Call at 9650706699.
Our team can assist you 😊
Di... thanks a lot for your guidance.. Love your videos
Thank you so much, keep watching !
Why niva bupa don't have direct relationship with policyholders?