10 Hidden Health Insurance facts you should check before Buying a Policy

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  • Опубліковано 10 чер 2024
  • Top Health Insurance- Upto 25% discount👇
    health.policybazaar.com/?utm_...
    Health insurance is really important because it helps you with money if you have unexpected medical expenses. It also lets you get good healthcare when you need it. But the most important thing is to pick the right health insurance that fits your needs.
    Choosing the right health insurance can feel overwhelming because there are so many options and confusing words. But don't worry! In this video, we will explain the important things to think about when you want to buy health insurance. This will help you make a smart decision to keep you and your family safe and healthy.
    00:00 - Introduction
    01:45 - Can you get insurance with an existing illness?
    02:45 - Take advantage of the 'no claim bonus!'
    03:33 - Get insured for your daycare treatments.
    04:21- Get insured for pre & post-hospitalization expenses.
    05:21 - Should you opt for a Family floater?
    06:43 - Maximum entry & Renewal Age
    07:23 - Not all the policies are the same!
    08:03 - Undestand capping on expenses.
    08:54 - Wide network of cashless claim settlements.
    10:10 - Is Corporate Health Insurance Sufficient?
    10:51 - How to easily buy Insurance?
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КОМЕНТАРІ • 624

  • @pranjalkamra
    @pranjalkamra  10 місяців тому +29

    Top Health Insurance- Upto 25% discount👇
    health.policybazaar.com/?YT_NonBrand_PranjalKamra_Jul23&Native&Insurance_22Jul23

    • @Shajahan6
      @Shajahan6 10 місяців тому +1

      I'm 21 and single earning member and i want higher cover insurance like 1cr+... i can pay the premiums now because on young age term insurance premium costs low but i can't due to my income slab they doesn't offer us for higher coverage but how can i , If i choose further old age time like 30 then premium will increase compare to young and also what if i'm not alive to take a good one my family can't be stable with financial problems so please a suggestion for this, I'm researching on this but haven't proper solution even i commented on yours and lla's inssurance videos no response please help the young one

    • @sujitpatel8659
      @sujitpatel8659 10 місяців тому

      Sir pls term plan k upar ek video dijiye...
      Kya term plan mai swipe ho payega kya

    • @DEEPAKPRASAD749
      @DEEPAKPRASAD749 10 місяців тому

      Please send best policy name to cover all things

    • @DhammpalSudhakarSatalkar
      @DhammpalSudhakarSatalkar 10 місяців тому

      You don't even tell which policy should be taken?

    • @tusharmahajan8284
      @tusharmahajan8284 10 місяців тому

      Apne konsi Li hai ?

  • @salmankhan-bu3qw
    @salmankhan-bu3qw 10 місяців тому +217

    Sir im very disappointed with policy bazaar. Im 100% sure nobody will fix the problem in 30 minutes because i am very old client of policy bazaar. When they have to sell something they call 100 times a day and when you need help of them them keep calling and just listen the nice music for an hour.

    • @rajendratiwari2087
      @rajendratiwari2087 10 місяців тому

      पॉलिसी बाजार से लें या सीधे निवाबूपा से,सभी के ग्राहक सेवा सुविधाएं पॉलिसी बेचने तक ही फ्रैंडी होती हैं,बाद में साधारण प्राइवेंटिव हेल्थ चेकअप के दो पांच हजार रुपए भी लेने में आप सफल नहीं हो पाते।
      ऐसा कोई फीचर ही नहीं है कि पॉलिसी बिक्री की तरह ही क्लेम के लिए भी ग्राहक सेवा टीम आपकी समस्याओं के समाधान करे।पता नहीं ऐसी नीति कब आएगी???

    • @pritamnath152
      @pritamnath152 10 місяців тому +4

      True…

    • @mainuddinsk786
      @mainuddinsk786 10 місяців тому +5

      Genuine Review 👍

    • @shahidiqbal8840
      @shahidiqbal8840 10 місяців тому +3

      Please share your policy name and number to confirm your complaint. And ask the people working in policy bazaar before buying a plan for mine.

    • @danny06cbr
      @danny06cbr 10 місяців тому

      True

  • @piyushsharma915
    @piyushsharma915 10 місяців тому +66

    In Rajasthan due to 25 lakh coverage by Cheeranjivi Yojana of state government at a premium of 850 only , great benefit to all people in Rajasthan. Even all private hospitals are covered in it . Irrespective of any disease and age .

  • @santanudey2101
    @santanudey2101 10 місяців тому +23

    Thanks for sharing, this is very informative while selecting a health insurance policy but I think claim vs settlement ratio is one of most important factors for selecting the insurance agency because this matters when you need!

  • @bhavikgupta4554
    @bhavikgupta4554 10 місяців тому +5

    10/10.........This is such a good video with all the necessary info ...Thanks PK 😊

  • @sandipghoshdastidar3406
    @sandipghoshdastidar3406 10 місяців тому +20

    Hi Pranjal, your video was super informative. Only one thing that you said at the end regarding policy without a medical test, that I think is not the right approach. It may create some problems during the claim.

  • @Dr_Agrawal
    @Dr_Agrawal 10 місяців тому +2

    Hello Mr Kamra. Please make a 2nd part discussing various health insurance policies. The video is 9/10. Thank you.

  • @pramodnarayanankutty2290
    @pramodnarayanankutty2290 10 місяців тому +22

    And what about the harassment that the executives of policybazaar give you when you contact them. Mine is a very recent experience. The sales executive was adment that I buy the policy he suggested during the call itself. I asked him give me some time I will analyze and get back but he was not ready to agree and kept on insisting on buying the policy and that too a particular policy i.e. care supreme. He was not ready to end the call only. Kept on giving mental torture for 45 mins. Finally I just cut the call. Them I found ok from their website itself that policybazaar is a 5 star partner for Care insurance. So may be that guy would get some extra commissions for selling that policy. Similar experience I had about 10 years back while purchasing term insurance. I would never recommend policybazaar to anyone. Instead go for DITTO. They have totally professional approach. Won't push you even once. They will simply guide you the best policy for your requirements and clear all your doubts. Their call is also crisp and to the point. And they themselves will end the call once your doubts are cleared and won't ask you to take the policy right away. Till now very good experience with DITTO.

    • @mayanksingh2580
      @mayanksingh2580 8 місяців тому

      Inse policy le lo to bhi call ana bnd ni hota😂😂

    • @nikeshjha8877
      @nikeshjha8877 8 місяців тому

      Today I told them , I will uninstall your app because of your behaviour

  • @abhishekverma5898
    @abhishekverma5898 10 місяців тому

    Informative, thanks!

  • @sagarjadav3699
    @sagarjadav3699 10 місяців тому +1

    Excellent, The Type of guidance I actually looking for to get pure beneficiary policy for me and it will helpful to stay away from the other Traps

  • @shashwatsinha28
    @shashwatsinha28 10 місяців тому +2

    I would rate this video a solid 4. Only basic level stuff such as definitions of add-ons etc. covered. No in-depth analysis of which add-ons are actually useful and value for money, which companies to look out for etc.

  • @yashathawale3291
    @yashathawale3291 9 місяців тому +1

    Beautiful video...... Every point is covered...... Thanks for providing this knowledge 👌🏻👌🏻👌🏻 I will going to rate 10/10 ❤

  • @promodgiri3958
    @promodgiri3958 10 місяців тому

    Valuable Information, Thanks 🙏 Sir

  • @user-zd6ej4yp2l
    @user-zd6ej4yp2l 9 місяців тому

    10/10 video. Understood so well. Thankyou so much sir!

  • @ganesh.n.m9533
    @ganesh.n.m9533 10 місяців тому +2

    10/10 , Thank you very much sir for informative video🙏👌😊

  • @ramyasri6093
    @ramyasri6093 10 місяців тому

    Thanks for detailing

  • @sabitarai4334
    @sabitarai4334 8 місяців тому

    Thank you for your information ❤

  • @niteshvadher9467
    @niteshvadher9467 10 місяців тому

    Thank you Pranjal sir,

  • @omprakashmahale6349
    @omprakashmahale6349 10 місяців тому +1

    Thank you very much sir

  • @pradeepedixit623
    @pradeepedixit623 6 місяців тому

    Very helpful video
    Thank you so much 🙏

  • @MultiSambit123
    @MultiSambit123 10 місяців тому +3

    7.5/10: Because, 10 rating means the best of all! reasons being, ek example ki kami reh gayi (demo.), then biased bhi angle laga. Explanation and info are very useful. Thank you

  • @MoumitaSarkar-ec8xh
    @MoumitaSarkar-ec8xh 9 місяців тому

    Thanks for searching this information.thanku

  • @khushboosingh1625
    @khushboosingh1625 Місяць тому

    Useful vedio👍

  • @jossieserrao4902
    @jossieserrao4902 9 місяців тому

    Good information Thank you so much.

  • @poojajaiswal21
    @poojajaiswal21 10 місяців тому +2

    10/10❤ eagerly waiting for video on this topic ... I also want your Suggestion on this.

  • @prabhunavalgund7664
    @prabhunavalgund7664 10 місяців тому

    Thanks for the information

  • @MdKawsarAhmed-rg9vy
    @MdKawsarAhmed-rg9vy 8 місяців тому

    TNX for good information ❤❤

  • @ManishKumar-uk4mj
    @ManishKumar-uk4mj Місяць тому

    Great Video, Very Helpful

  • @saurabhmulay4918
    @saurabhmulay4918 3 дні тому

    Informative & crisp information 9/10

  • @moromisultana9838
    @moromisultana9838 8 місяців тому +1

    Thank you, bohot clearly explain Kara apney,I always had doubts regarding all this.

  • @subhashpatil9188
    @subhashpatil9188 5 місяців тому

    Very nice Explanation

  • @virajshah7656
    @virajshah7656 10 місяців тому +26

    I will rate this video as 5/10 as most of points you told are already covered in your previous Health insurance video

  • @prasannalama806
    @prasannalama806 24 дні тому

    Tha k u v much❤

  • @jaypalkharwaljaypalkharwal9939
    @jaypalkharwaljaypalkharwal9939 10 місяців тому

    Love you sir your information god bless you

  • @rahulsvlog1131
    @rahulsvlog1131 10 місяців тому

    Thanks you so for your kind information

  • @Vipanloomba
    @Vipanloomba 8 місяців тому

    Very Good information shared. Thanks

  • @rishiagarwal8760
    @rishiagarwal8760 10 місяців тому

    Thank you 👍

  • @satyandraupadhyay1458
    @satyandraupadhyay1458 9 місяців тому

    Super video hai sir aaj tak itne clear explanation nahi dekhe kahi bhi ya kisi se bhi..thanks a lot sir

  • @prahladgupta5572
    @prahladgupta5572 10 місяців тому +5

    Thanks for the info that what need to consider while buying healthinsurance but there is still confusion as we do not have data to compare all these points at any website. Policy bazar provides info but not all info. Please list out some best health insurance with comparison.

  • @MarketSeeker16
    @MarketSeeker16 10 місяців тому

    Thank you Pranjal

  • @georgesebastian3151
    @georgesebastian3151 9 місяців тому

    good awareness sir

  • @SnehaVerekar-zl7cd
    @SnehaVerekar-zl7cd 8 місяців тому

    Thank you🙏

  • @swetarani8375
    @swetarani8375 10 місяців тому +1

    10/10... As i found this video super informative🙌

  • @biswajitphukon3758
    @biswajitphukon3758 10 місяців тому

    Thanks

  • @penfriend4209
    @penfriend4209 6 місяців тому

    Very informative 10/10 ,🙏

  • @abhisheksaraf6434
    @abhisheksaraf6434 6 місяців тому

    Thanks!! 😍

  • @Pnityallinone
    @Pnityallinone 9 місяців тому

    Thank you so much sir very helpful video 😊❤

  • @shsk7973
    @shsk7973 10 місяців тому +1

    Nicely explained sir for the new person who is going to purchase the policy this is 9 out of 10

  • @Ravirathore8890
    @Ravirathore8890 10 місяців тому

    Superb knowledge bro

  • @manyabhavya
    @manyabhavya 10 місяців тому +5

    Please elaborate on PPN package by GIPSA. Even if the policy does not have sub-limits, the insurers are making us pay because they don't admissible claim beyond the agreed limit with the hospital. So even of you have a cashless claim, you end up paying more of the share of the claim. This issue is not highlighted while purchasing the policy and only is made realised when claim is made. This is total shock!

  • @dhanmadhav
    @dhanmadhav 9 місяців тому

    Helpful sir🎉😊

  • @karangaur2043
    @karangaur2043 10 місяців тому +5

    You should also give recommendations of policies for people who are unable to go through the terms of policy 6/10

  • @chiranjibbasak5080
    @chiranjibbasak5080 8 місяців тому

    Very helpful 😊😊

  • @amitjain1013
    @amitjain1013 10 місяців тому +11

    10/10 sir your videos are always logical and helpful if you could just add one point it would had been more better that on an avg people will prefer for family floater plan around 10 lac so what will be the avg prem

    • @Sahil_khangar
      @Sahil_khangar 10 місяців тому

      1887.00 for my parents health insurance policy up to 10lakh for more information watch my video on that topic and if you like it do subscribe and share it with your friends have a great day

  • @ThairingThairingLangthasa
    @ThairingThairingLangthasa 8 місяців тому

    This is informative while selecting insurance policy

  • @kaushikghosh4703
    @kaushikghosh4703 9 місяців тому

    Undeniably 10 out of 10 for such an useful and informative video...

  • @suhasshinde7086
    @suhasshinde7086 10 місяців тому

    Basic jankari ke liye ye video best hai 09/10👍

  • @Workoutingym
    @Workoutingym 10 місяців тому +18

    There are very few people whom we can trust blindly. You are one of them sir 10/10🎉🎉

    • @manojsuri007
      @manojsuri007 10 місяців тому +2

      Dont trust anyone blindly. He is promoting policybazaar and this policybazaar has a very poor claim settlement ratio. Many customers have complained against their service.

    • @Workoutingym
      @Workoutingym 10 місяців тому +1

      @@manojsuri007 who told you that policy bazaar is a insurance provider company

  • @ddas86100
    @ddas86100 10 місяців тому

    Thanks🌹

  • @kirankhandelwal1413
    @kirankhandelwal1413 10 місяців тому

    Thanks for the video, please list top three health insurance available.

  • @sajiseb
    @sajiseb 10 місяців тому

    valuable insight, thanks

  • @NelsonJi
    @NelsonJi 10 місяців тому

    Good explanation... It would have nice if u would have explain about claim settlement.. and why some one claim is not settled...
    Like ... While taking insurance.. should not lie or hide anything....

  • @saikiran-wx3fv
    @saikiran-wx3fv 10 місяців тому +3

    It would be much helpful if you can provide the insurer name at each case🤞

  • @RahulKumar-jp6fh
    @RahulKumar-jp6fh 10 місяців тому

    Aapki sabhi video knowlegeble hoti hai bro....

  • @pratiksatpute7632
    @pratiksatpute7632 10 місяців тому +2

    Dear Sir,
    The points which you have told regarding the health insurance please suggest that type of of insurance or else the best health insurance for family or single and affordable premium.. 😊

  • @user-oo9ss3yf2o
    @user-oo9ss3yf2o 2 місяці тому

    Very good sir

  • @MadhuSingh-hh1ph
    @MadhuSingh-hh1ph 10 місяців тому

    10/10sir,आप अपना काम बहुत ईमानदारी से करते हो

  • @Vikram7532
    @Vikram7532 10 місяців тому +1

    Aapki video dekh kr hi maine term insurance lia hai
    Ab health insurance Lena hai
    10/10

  • @AsalkarVastuyojana
    @AsalkarVastuyojana 10 місяців тому

    Very informative rating 9

  • @maheswarasahu3020
    @maheswarasahu3020 10 місяців тому

    Good information thnx

  • @pritnanda7203
    @pritnanda7203 13 днів тому

    Thanks for valuable information & from my side 9/10.

  • @ajaykene.5009
    @ajaykene.5009 6 місяців тому

    Rating 9/10....the video is great sir. one suggestion is that u can also show demo of buying or comparing policy online, or u can recommend top policies on your vidio, thank you

  • @tashitopgyal4552
    @tashitopgyal4552 10 місяців тому +1

    Best investor and youtuber in world

  • @pradeipkumar9762
    @pradeipkumar9762 10 місяців тому

    Before seeing that I was very scare to buy a health insurance plan but now I m very clear to purchase it.

  • @dheerendrakaibartta663
    @dheerendrakaibartta663 8 місяців тому

    good advise

  • @sanketnaroliya3474
    @sanketnaroliya3474 10 місяців тому +55

    Please make top 5 insurance company with these 10 points

    • @SujalGupta-wl6ih
      @SujalGupta-wl6ih 10 місяців тому +1

      Oo Bhai itni mehnat khud krni pdti hai
      Sirf baith k phal chahiye kya jao policy bazar pe aur compare krke dhundo.
      Phal jyada meetha milega.

    • @PawanSingh-lf1uv
      @PawanSingh-lf1uv 10 місяців тому +1

      क्या भाई सब काम अद्भुत शक्ति

    • @PawanSingh-lf1uv
      @PawanSingh-lf1uv 10 місяців тому +1

      ऐसा कर देंगे तो नया Policy Bazar Company शुरू हो ने के लिए तैयार हो जाएंगा

    • @pranjo0001
      @pranjo0001 8 місяців тому +1

      Right suggestion

    • @rajarshiroy6911
      @rajarshiroy6911 8 місяців тому +3

      @@SujalGupta-wl6ih
      Bhai itna time agar tere paas hain to tu video bana le, gyan mat chod

  • @AdeshKamble-cp3ts
    @AdeshKamble-cp3ts 8 місяців тому

    10 OUT OF 10 THANKS FOR SUCH A AWASOME KNOWLEDGE.

  • @pradeepkishoredungdung1817
    @pradeepkishoredungdung1817 10 місяців тому +3

    This is the best video on health insurance, excellent work pk sir.

    • @pradeepkishoredungdung1817
      @pradeepkishoredungdung1817 10 місяців тому +1

      Pk sir one more video on health insurance, a detail video on top 5 health insurance according to u.

  • @Albab_Ali
    @Albab_Ali 5 місяців тому

    Please compare some Health Insurance from examples and some video of top 5 top 10 insurance. It's a must.
    8/10

  • @shib077
    @shib077 10 місяців тому

    Common guidance received need expert suggestions with practical examples.

  • @ajaykumarupadhyay9007
    @ajaykumarupadhyay9007 10 місяців тому

    Trusted content 10/10

  • @PiyaliSurul
    @PiyaliSurul 6 місяців тому

    Very good video.

  • @oyeminati
    @oyeminati 10 місяців тому

    Ok sir thanks for the information ❤❤10/10

  • @mohammedzaidali8881
    @mohammedzaidali8881 10 місяців тому

    10/10 sir and thank you

  • @user-oh5qi4iv6h
    @user-oh5qi4iv6h 10 місяців тому

    Nice ❤

  • @infalliblesaket
    @infalliblesaket 4 місяці тому

    Good effort👌

  • @tejpalsingh3480
    @tejpalsingh3480 9 місяців тому

    Thankyou sir

  • @saumitramishra7968
    @saumitramishra7968 9 місяців тому

    9 out of 10..... informative

  • @ankitverma512
    @ankitverma512 10 місяців тому +1

    You should talk about plans also..

  • @A-in-1
    @A-in-1 День тому

    10/10 good information

  • @khurshedalam1994
    @khurshedalam1994 7 місяців тому

    Thank you so much 👍 sir.. I'm big fan of you 10 out of 9 ... because some reason

  • @gurdeepsohi4291
    @gurdeepsohi4291 10 місяців тому +1

    Good😊😊

  • @pramodnavrat6703
    @pramodnavrat6703 10 місяців тому

    Nice information sie 10/10❤

  • @mayurdhwajsinhgohil9747
    @mayurdhwajsinhgohil9747 10 місяців тому

    Good one sirjiii wahhhh

  • @radheshyamraiyani99
    @radheshyamraiyani99 10 місяців тому +9

    Good Information Sir. Rating 9
    But one point you need to verify at your as ground support not providing on time, also they have the marketing personnel in each city/area but personal for ground support for claim settlement not available.
    Policybazzar have good marketing team but claim settlement team not available for ground level guidance etc.
    This dark side of Policybazzar based on personal experience

    • @digitallife5464
      @digitallife5464 10 місяців тому +1

      you are correct sir, during claims no one will help you

  • @thegogf
    @thegogf 10 місяців тому +1

    Sir please types of SIP par video banaiye🙏

  • @MDSohel-bi5jw
    @MDSohel-bi5jw 8 місяців тому

    Nice

  • @ankurzweb8149
    @ankurzweb8149 10 місяців тому +1

    Acko Health Insurance seems best to me... Although same is not there in policy bazar

  • @rikyt2593
    @rikyt2593 8 місяців тому

    Good

  • @bapuraoshinde1175
    @bapuraoshinde1175 10 місяців тому

    Very nice bhai