Mam, You mentioned that premium will increase every year in HDFC and every 5 year in niva bupa. Called HDFC and they said on age basis premiums increase on 5 year slab only. Every year as per medical inflation they increase.. which niva bupa also increase ever year due to medical inflation. Kindly confirm the information and update . thank you
good content as usual.. proud to say she is handling my complete family n car insurance.. very dedicated team.. very happy n satisfied to get my insurance from u mam..:)
Madam, how about Room Rent Restriction ? are both plans offering Shared room, single room, deluxe room or any room that’s available ? still the confusion prevails as the policy wording for Secure says "Single Private AC Hospital Room". Kindly reply
Hello Gurleen, good video as usual .Can you make video for care direct with PED rider added. Is it good insurance to take comapring with above policies?
Can you suggest me which policy would be good for as i am 23 years old and i am looking for a policy with 10 lakhs sum insured, i am bit confuse in both the policy?
We don't have any first hand experience with STAR HEALTH Plans. If you want any assistance, connect with us on WhatsApp/Call at 9650706699. Our team can assist you. Thank you
@Gurleen ji Thanks for your videos. How does the secure and Plus benefit work if patient exhaust the complete amount of secure and plus benefit and the policy is renewed .
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options & the premiums accordingly 😊 Thank you & keep watching !
@@GurleenKaurTikku Sorry but that was not mentioned like it is mentioned in policy docs. Would like to understand how will it impact (as in is there a need for such restricted surgeries or is there some alternative?)
@@vinZplayZ search IRDAI annual report, you will get approx 200 pager pdf document. Review that. Incurred claim ratio is one of the most important parameter to watch out for, you will find it somewhere around 150-175 pages.
Ma'am my 5 term insurance applications rejected over last 2.5 years due to personal family medical history. My Hb1ac levels were on good control side and sometimes on normal side. Should I wait and apply again for term insurance or go for endowment plan
Premium shown is example hdfc is on higher side but one point is hidden that in this single premium individual will get 20 lakh cover instead of 10 lakh that too without any conditions
Ma'am ur explanation will lure everyone to buy Niva Bupa . Everything about Niva Bupa reassure 2.0 is good but only catch is at modern treatments in which they give only 1 lakh rupees.this is a big problem.Now many treatments are being done the modern way or u can say robotic surgery.
Following robotic surgeries pr koi limit nhi h -: i. Robotic total radical prostatectomy ii. Robotic cardiac surgeries iii. Robotic partial nephrectomy iv. Robotic surgeries for malignancies
Clarify plz In hdfc optima secure family footer policy if I pay only first year premium say 29k for second and third year it will be 29 k. Or it will increase?
First, we are never recommending any one any plan from our side until they are our clients. Second , we always add a disclaimer as well in our description to our viewers to do their own due diligence before buying a plan. Thank you.
Hi Ma’m can you tell me which plan will be good for my mother 64 years…reassure 2.0. Or senior first platinum. Plz reply asap coz I want to buy in this month
Please connect with us on WhatsApp/Call at 9650706699. Or you can just fill up this short form & we contact you directly. FORM LINK : hareepatti.com/contact-us/ Thank you
If your mother is 64 years old please go for hdfc ergo my health suraksha this is specially design for senior cerizen this plan'sbest part is when your mother will pass 71 age on that joh bhi premium hoga it will lasts life long Mera mtlb ki 71 ki age pr joh premium aagya woh life long chalega For more queries kindly revert
Thank you for making these informative videos it was really helpful to make a decision. Though, I have a question. Before buying Health Insurance, is it important to take a health checkup? I'm 25yrs old and totally fit & fine and I don't take any medication.
Sumit jee, it is upto you.Insurance companies will not ask for it. Getting health checkup done on regular basis is always a good idea to monitor your health and yes can be done before buying the policy.
For any queries regarding Health Insurance or any assistance in buying the plan , feel free to connect with us on WhatsApp/Call at 9650706699. Thank you 😊
Mam, in reassure say i take a policy of 10 years, after 5 years it becomes 60L. Now if i have a hospitalization of 50L, my sum assured will fall back to 10L, but in ergo after 2 years my sum assured will be 40L and always remain 40L. Is this understanding correct and if so, is the secure plan not a much better policy?
@@GurleenKaurTikku So in Ergo if my Sum Assured is 40 Lakhs then after treatment which costed for 30 Lakhs I still will have 40 Lakhs for next year? And in niva bupa for the same case it will be reduced to 10 Lakhs from next year?
So in Ergo if my Sum Assured is 40 Lakhs then after treatment which costed for 30 Lakhs I still will have 40 Lakhs for next year? And in niva bupa for the same case it will be reduced to 10 Lakhs from next year
Your explanation seems a bit biased towards Niva Bupa. Their biggest shortcoming of 1L upper limit on certain modern/advanced robotic surgeries you have just mentioned as a short point. Not mentioning/describing its seriousness in detail. Waste of having the insurance, if in future we are required to undergo those modern surgeries, and Niva Bupa pays us just 1L. This shortcoming of Niva Bupa makes it totally useless for anyone, to buy any plans of theirs.
You are absolutely right. Any "certified" insurance/financial advisor will know the importance of ICR in health insurance industry. But here, madam "forgets" to mention that ICR of both companies in her video. 😂😂
@GurleenKaurTikku are you sure modern treatments / robotic surgery is covered in Optima Secure? I have gone through the policy wording and prospectus as well but there is no mentioning about it. To my surprise all other insurers have mentioned it in their policy wording / prospectus.
Hello jee, We need more information to suggest you a suitable plan. You can connect with us on WhatsApp/Call at 9650706699. Our team may assist you. Thank you, keep watching !
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with the suitable plan according to your requirements , age & medical history. Thank you , keep watching !
mera Reassuee main hain but main 2.O main upgrade karunga to 2 yers ka wating karna hoga kya ? mera reassure main waiting period august 23 main complete hoga . Family floter hain 10 lakh ka. from Arunendu Chowdhury, kolkata.
You can apply to any company by disclosing about the internal congenital defect. The medical underwriting team will decide... They may issue a policy by putting an permanent exclusion to that condition... Good to try
I have two policies - a corporate policy of 5L and a retail policy with 1L deductible. The corporate policy doesn't cover for the non- medical expenses (consumables), but my retail policy covers all such expenses. Can i claim for non- medical expenses from the retail policy?
@@vaishalithakur6557 thank you. Let me elaborate my question. Suppose my total claim is for 5L which includes 75k of non-medical expenses. Now since my retail policy has 1L deductible option, so i claim first 1L from my corporate policy which doesn't cover non- medical expenses. Now will my retail policy cover the remaining 4L incl. non-medical expenses?
I am using start Heath optima but they have revised the price so looking out to port the policy ..can someone please suggest which is the best policy .I should take 🙏🙏Premium should be around 20k
I want to buy a health insurance policy for myself, my mother, and my father; both of my parents are aged below 60. My age is 30. We don't have any recurrent illnesses. Kindly suggest a health insurance plan.
We can't comment on any intermediary from our side. We can only guarantee on our services as we are experienced insurance agent with 17+ years of experience. You can connect with us on WhatsApp/Call at 9650706699. our team can assist you ✅ Thank you 😊
Ma'am I have one confusion that I have taken hdfc ergo optima secure at previous year for my parents it Going to expired within 2 week so ma'am should I continue this policy or any suggestions that I van adopted new policy of different company please guide me
You can continue as HDFC ERGO Optima Secure is a great plan as well. If you still have any confusions, connect with us on WhatsApp/Call at 9650706699. Thank you & keep watching
Premium compare is not by correct way, hdfc has inbuilt Consumables benifit, premium should we compare like niva reassure 2.0 + Safeguard+, and Hdfc secure, that will show exact premium comparision, otherwise false impression of low premium in NIVA
@Gurleen Thank you for all these informative videos. Hearing lots of negative reviews about NivaBupa service. I too am impressed by Reassure 2.0 and want to port my Oriental insurance policy. Just wondering if it is a safe bet or not. Any comments?
Buy a plan if it meets your requirements & do your due diligence right. There are positive & negative feedback about every insurance company leading to more confusion. Please connect with us on WhatsApp/Call at 9650706699. Our team will be happy to assist you in all your queries regarding the plan Thank you & keep watching !
Mam I want to know is any mental illness covered? If someone is diagnosed with Diabetes 3 years before purchasing the policy will his condition be treated as PED
@@sridhark.s2606 sir if I am willing to take HDFC Ergo with 50k deductible as I have 1 corporate plan from office which I can use to reimburse that 50k and the deductible will also decrease premium. My question is, will there be any issue with cashless hospital if I am taking deductable or taking deductable will make the hospitalization process slow in case of emergency? Plz help
@@GurleenKaurTikku for family of 4 with corporate health insurance in place already.. for next 30 years which insurance company and product you would suggest: 1. Bajaj Allianz 2. Oriental insurance 3. IFFCO Tokio 4. HDFC ergo 5.Care health 6. Star health
Kya co-pay Wale policy me cashless avail nahi ho pata.. please make a video... Actually I have a health insurance policy with Bajaj Allianz, but while purchasing policy a co-pay discount was given to me. I was not aware at that time, what is co-pay. But recently I was hospitalized in a network hospital, approached hospital authority for cashless and they agree. But at the time of discharge, Bajaj Allianz denied the cashless. I have to pay all the hospital bills. Bajaj Allianz is not clearly describing the reason of denial. Just mentioning the reason as, "Liability of the insurer relating to cashless claim cannot be ascertained at this juncture. Insured may submit the relevant original as well as other documents for reimbursement claim for further review and assessment " Please put light on this
That doesn't mean the claim is rejected.. Only cashless is not approved Bcoz of many reasons(may be it was pre existing disease which will bi covered only after 3 years OR it was in the specific illness, which is covered only after 2 years OR non disclosure).. You take all the papers required from the hospital( they know what all is required), fill up a claim form and submit to the company for Reimbursement. If the claim is genuine, they cannot reject it under any circumstances... Take the help of your agent who sold the policy to you... What for your agent is there..? If you bought your policy online, stop it and buy through an agent
Maam Niva bupa denied my application of reassure2.0 as i did not have a medical report of a issue of 2017. They didnot even communicated to me through any medium. Sare document dia tha mene but ek hi report nahi hai so i could not give. They treatment was done no more issue. Maam what should i do now??
Hi mam I m nitin from Mumbai last 20 year to I m taking insulin Last 8 year ago I do my cataract operation So I need your help Which insurance policy I buy In This cover my all diabetics related problems cover under 24 months or early So please help me Thankyou ❤
Hello jee, For any queries, connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few more suitable options ! Thank you & keep watching !
We don't have any first hand experience with the brand but yes, for any queries related to choosing the health insurance policy : connect with us on WhatsApp at 9650706699. Thank you !
Whatever is convenient for you but we will suggest to get an experienced insurance agent. For any queries, feel free to connect with us on WhatsApp/Call at 9650706699.
Mam Niva Bupa Reassure 2.0 Me Family Pensioners (Age Less Than 60 )Personal Accidental cover (Rider) Le sakte hy ! Ky claim ane pr Family Pensioners ko Personal Accident Ka claim milega ! Kui ki Normal Pensioners (Above 60) ko Personal Accidental Insurance Nahi Milta Hy ! Please Reply !🙏
Just a warning for anyone considering Niva Bupa - I've read the policy wording and they have sections labelled wrong. How reliable are they really? And how credible is this video if the presenter hasn't read policy wordings?
@@rishabhsharma8115 they will reject your claims for weird reasons.Even if it's their fault you'll have to run behind them to rectify it... please avoid niva bupa at all costs...i made a blunder by buying 3 years policy at once...sales agent will lure you with discount.. please pay extra and go for HDFC ergo or Bajaj Allianz
We have a good first hand experience with both the companies, so can't comment. But to avoid any claim rejection, be 100% honest about your medical history & read all the exclusions/waiting periods before buying any plan to avoid such kind of disappointments. Thank you
Hi, Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options as per your requirements. Thank you ,keep watching 😊
Sabse Badi Baat Hoti Mam Ki Policy Lene Ke Baad Company Kitna Support Provide Karti Hai...Aur Claim Rejection Ki Kis Plan Me Jyada Possibility Hoti Hai...Kyunki Maine Suna Hai Ya Fir Kafi Logon Ka Review Rehta Hai Ki Ye Sab Log Koi Na Koi Reason De Dete Hai Claim Rejection Ka.!! & Mam Aapne Kon Sa Health Plan Liya Hai....???Use Hi Mai Bhi Lunga!!
Hello jee, aapne bilkul sahi kaha ✅ We will also suggest ki policy lete time be 100% transparent about your medical history. Also, buy it through an experienced insurance agent for better services . Buy a suitable plan according to your requirements & medical history. Also, I have Niva Bupa Health Companion. For any queries, feel free to connect with us on WhatsApp/Call at 9650706699. Our team will be happy to assist !
Hi, this is because what is good for me may be not good for everyone . Everyone's requirements , medical history is different. We definitely provide one to one assistance as well.
REVISED Changes in HDFC ERGO Optima Secure : ua-cam.com/video/SXQkYwhZ7J8/v-deo.html
Mam, You mentioned that premium will increase every year in HDFC and every 5 year in niva bupa. Called HDFC and they said on age basis premiums increase on 5 year slab only. Every year as per medical inflation they increase.. which niva bupa also increase ever year due to medical inflation. Kindly confirm the information and update . thank you
Thank you for this video. I was manually comparing both the policies and then found that you already did it, that too so nicely.
Glad it was helpful, keep watching !
❤❤❤ thanks madam ji aapka bahut he accha tarika hai। Samjhane ka
Thank you , keep watching !
good content as usual.. proud to say she is handling my complete family n car insurance.. very dedicated team.. very happy n satisfied to get my insurance from u mam..:)
Thank you so much for such a positive feedback 😊
Is bank policy like HDFC ergo or ICICI Lombard can't be port to other standalone policy ? Please tell me madam .
Mam!
Kindly give an information on out patient consultation benefits
Hello Madam,
Can you help me choose for maternity benefits plus neo-natal coverage. Do you have any suggestions?
Please!
Mam non medical expenses cover nhi kiye apne like ppe kit gloves etc.
Madam, how about Room Rent Restriction ? are both plans offering Shared room, single room, deluxe room or any room that’s available ? still the confusion prevails as the policy wording for Secure says "Single Private AC Hospital Room". Kindly reply
Excellent great information about health insurance thank you so much
Thank you, keep watching !
Thank you ma'am very much I am waiting for this comparative video of this both in health insurance plan thanks a lot once again ma'am 👍🏻🌟🌟🌟🌟🌟
Thank you so much, keep watching !
Kyu Khushi ho Rahe ho tum..jab paise vapas lene ka time ayega to ye company bhag jaengi apne vachan se or tumko chor Dange Akela Marne k liye..
Niva bupa min 2hr hospitalisation is for day care or all disease? Like fever 2hr hospitalisation will be covered?
Plzz compare above plan...Along with prime Advantage plan in Manipal health insurance
Okay, Thank you for the video suggestion 😊 Keep Watching !
Deductible option is not available in Reassure 2.0 that is why we can't reduce premium as compared to HDFC optima secure
What’s the “csr” for Niva bupa latest?
Hello Gurleen, good video as usual .Can you make video for care direct with PED rider added. Is it good insurance to take comapring with above policies?
Sure, Thanks for the suggestion
Please compare with manipal cigna prime advantage opd plan with niva bupa reassure 2.0
Thank you for the video suggestion ✅
Nice information mam, please make video on comparison of health companion and reassure 2.0
Okay jee, keep watching 😊
Can you suggest me which policy would be good for as i am 23 years old and i am looking for a policy with 10 lakhs sum insured, i am bit confuse in both the policy?
what are your views on STARHEALTH ASSURE Policy Vs This two plans..
We don't have any first hand experience with STAR HEALTH Plans. If you want any assistance, connect with us on WhatsApp/Call at 9650706699. Our team can assist you.
Thank you
@Gurleen ji Thanks for your videos. How does the secure and Plus benefit work if patient exhaust the complete amount of secure and plus benefit and the policy is renewed .
Hi , Please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you!
Please share annexure 1,2,3 details as covered under nivabupa reassure 2.0 in safeguard plus rider
jee, we will make a detailed video on it as well soon.
Thanks for the suggestion !
Explanation is good _____good girl
Thanks !
Please do a comparison Niva Bupa Reassure 2.0 vs Care Health Advantage vs HDFC Ergo Optima Secure
Daytreder in telugu chek it
My family including my wife, me 51, and I have 2 daughters aged 11 and 16, can you suggest which family policy best suites for my salary budget?
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options & the premiums accordingly 😊
Thank you & keep watching !
Please explain about modern treatment coverage in ReAssure 2.0. Will it affect much for few robotic surgeries??
We have already explained it in our detailed youtube video on Niva Bupa ReAssure 2.0
@@GurleenKaurTikku Sorry but that was not mentioned like it is mentioned in policy docs. Would like to understand how will it impact (as in is there a need for such restricted surgeries or is there some alternative?)
Once go through irdai annual report on health insurance,you will understand about the company better.
How can I check this bro ?
@@vinZplayZ search IRDAI annual report, you will get approx 200 pager pdf document. Review that. Incurred claim ratio is one of the most important parameter to watch out for, you will find it somewhere around 150-175 pages.
@@ToughTimesNevrLastToughPPLDo
What is good % for claim ,,i
Very nice explained madam👍
Thank you jee, keep watching !
Ma'am my 5 term insurance applications rejected over last 2.5 years due to personal family medical history. My Hb1ac levels were on good control side and sometimes on normal side. Should I wait and apply again for term insurance or go for endowment plan
Hi, aapne kaun sa term insurance liya phir? did you declare that you have Type2 Diabetes?
Please do a comparison nivabupa reassure 2.o and star health family health optima
Sure, Thanks for the video suggestion.
We will be bringing up a video soon.
Premium shown is example hdfc is on higher side but one point is hidden that in this single premium individual will get 20 lakh cover instead of 10 lakh that too without any conditions
👍
Ma'am ur explanation will lure everyone to buy Niva Bupa .
Everything about Niva Bupa reassure 2.0 is good but only catch is at modern treatments in which they give only 1 lakh rupees.this is a big problem.Now many treatments are being done the modern way or u can say robotic surgery.
Exactly my point
No use of 1Cr with 1L capping
Truly a deal breaker
Following robotic surgeries pr koi limit nhi h -:
i. Robotic total radical prostatectomy
ii. Robotic cardiac surgeries
iii. Robotic partial nephrectomy
iv. Robotic surgeries for malignancies
Mam please make a difference active fit vs Reassure 2.0
Okay, thank you for the video suggestion ✅
Mam i have a Manipal Cigna Prime Protect planning to port with some other company. Please suggest.
Hdfc ergo
@@twinklevaghela4206 Manipal Cigna LIFE TIME HEALTH she suggested. Best Plan till now.
Clarify plz
In hdfc optima secure family footer policy if I pay only first year premium say 29k for second and third year it will be 29 k. Or it will increase?
It will incraese with age
Pls explain more on critical illness. So if a person have cancer or any critical illness will they get covered under the insurance
Please check this video : ua-cam.com/video/gTN2SNILV6Y/v-deo.htmlsi=wHc6QrFVgaQaWQQ3
Is it legal to recommend without organisation's v consent.
Have you taken consent from company for comparison
First, we are never recommending any one any plan from our side until they are our clients.
Second , we always add a disclaimer as well in our description to our viewers to do their own due diligence before buying a plan.
Thank you.
Hi Ma’m can you tell me which plan will be good for my mother 64 years…reassure 2.0. Or senior first platinum. Plz reply asap coz I want to buy in this month
Please connect with us on WhatsApp/Call at 9650706699. Or you can just fill up this short form & we contact you directly.
FORM LINK : hareepatti.com/contact-us/
Thank you
If your mother is 64 years old please go for hdfc ergo my health suraksha this is specially design for senior cerizen this plan'sbest part is when your mother will pass 71 age on that joh bhi premium hoga it will lasts life long
Mera mtlb ki 71 ki age pr joh premium aagya woh life long chalega
For more queries kindly revert
@@vaishalithakur6557Is this true..? Because I couldn't see this information anywhere..
Thank you for making these informative videos it was really helpful to make a decision. Though, I have a question. Before buying Health Insurance, is it important to take a health checkup? I'm 25yrs old and totally fit & fine and I don't take any medication.
Sumit jee, it is upto you.Insurance companies will not ask for it. Getting health checkup done on regular basis is always a good idea to monitor your health and yes can be done before buying the policy.
@Mam, Do regular health insurance policies like reassure or optima restore cover Cancer treatments?
No, they don't cover caner treatments.
@@GurleenKaurTikkuwhy they not cover give some proper example
Mam HDFC ergo 5 lac sum assured main kuch kam covers hai
Please explain
For any queries regarding Health Insurance or any assistance in buying the plan , feel free to connect with us on WhatsApp/Call at 9650706699.
Thank you 😊
Mam, in reassure say i take a policy of 10 years, after 5 years it becomes 60L. Now if i have a hospitalization of 50L, my sum assured will fall back to 10L, but in ergo after 2 years my sum assured will be 40L and always remain 40L. Is this understanding correct and if so, is the secure plan not a much better policy?
Yes, this understanding is correct
@@GurleenKaurTikku So in Ergo if my Sum Assured is 40 Lakhs then after treatment which costed for 30 Lakhs I still will have 40 Lakhs for next year?
And in niva bupa for the same case it will be reduced to 10 Lakhs from next year?
So in Ergo if my Sum Assured is 40 Lakhs then after treatment which costed for 30 Lakhs I still will have 40 Lakhs for next year?
And in niva bupa for the same case it will be reduced to 10 Lakhs from next year
Your explanation seems a bit biased towards Niva Bupa.
Their biggest shortcoming of 1L upper limit on certain modern/advanced robotic surgeries you have just mentioned as a short point. Not mentioning/describing its seriousness in detail. Waste of having the insurance, if in future we are required to undergo those modern surgeries, and Niva Bupa pays us just 1L.
This shortcoming of Niva Bupa makes it totally useless for anyone, to buy any plans of theirs.
Yes biased video niva Bupa for marketing purpose
Only on few specific modern treatments. Not all
@@WildRex yes. What if you are exactly prescribed those modern treatments? Is it worth taking the risk?
she has commission with niva bupa
You are absolutely right.
Any "certified" insurance/financial advisor will know the importance of ICR in health insurance industry.
But here, madam "forgets" to mention that ICR of both companies in her video. 😂😂
Good explanation
@GurleenKaurTikku are you sure modern treatments / robotic surgery is covered in Optima Secure?
I have gone through the policy wording and prospectus as well but there is no mentioning about it.
To my surprise all other insurers have mentioned it in their policy wording / prospectus.
For any queries related to this plan , connect with us on WhatsApp at 9650706699. Our team can assist you 😊
Any addon available in niva Bupa reassure for maternity benefit? 🙏
No, not yet
Mam Reassure 2.0 maine "Secure Benefit" Maine Kuch Terms & Conditions Hai Kya??
Reassure 2.0 me secure benefit nahin hai
Mam for family 3 member which one is good policy
Hello jee, We need more information to suggest you a suitable plan.
You can connect with us on WhatsApp/Call at 9650706699.
Our team may assist you.
Thank you, keep watching !
Thanks for the information 👍
Thank you, keep watching !
Reassure 2.0 best.. my family member is insured and recieved claim when we were in need. Thanks Niva Bupa
Wonderful !!
#HealthInsuranceZarooriHai
Please suggest which policy to buy niva Reissure or Hdfc ergo optima secure
Hello jee, please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with the suitable plan according to your requirements , age & medical history.
Thank you , keep watching !
mera Reassuee main hain but main 2.O main upgrade karunga to 2 yers ka wating karna hoga kya ? mera reassure main waiting period august 23 main complete hoga . Family floter hain 10 lakh ka.
from
Arunendu Chowdhury, kolkata.
No, you do not have to serve the waiting period in case of internal migration
I am having hemophilia A. It's a birth defect. Can you tell me health insurance best for me.
You can apply to any company by disclosing about the internal congenital defect. The medical underwriting team will decide... They may issue a policy by putting an permanent exclusion to that condition... Good to try
What about Tata AIG Medicare Premier and Bajaj Alliance Supreme Ultiomio
We can bring a comparison on it as well in the future.
Keep Watching 😊
Love you di...for best videos
Thank you 😊 Keep Watching !
I have two policies - a corporate policy of 5L and a retail policy with 1L deductible. The corporate policy doesn't cover for the non- medical expenses (consumables), but my retail policy covers all such expenses. Can i claim for non- medical expenses from the retail policy?
Yes when u claimed and with retailpol7cy then it will cover all with 1L deductible option
@@vaishalithakur6557 thank you. Let me elaborate my question. Suppose my total claim is for 5L which includes 75k of non-medical expenses. Now since my retail policy has 1L deductible option, so i claim first 1L from my corporate policy which doesn't cover non- medical expenses. Now will my retail policy cover the remaining 4L incl. non-medical expenses?
Yes.. Provided, if your bill, excluding cosumables, exceeds 1lakh.(your deductible amount)
I am using start Heath optima but they have revised the price so looking out to port the policy ..can someone please suggest which is the best policy .I should take 🙏🙏Premium should be around 20k
I want to buy a health insurance policy for myself, my mother, and my father; both of my parents are aged below 60. My age is 30. We don't have any recurrent illnesses. Kindly suggest a health insurance plan.
Please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few options.
Thank you 😊
Lasik surgery covered in which company health policy?
no, it comes under cosmetic surgeries.
OK, thankq
Please madam tell me truthfully that health insurance policy by online ya offline.
Guide me please🙏🙏
We can't comment on any intermediary from our side.
We can only guarantee on our services as we are experienced insurance agent with 17+ years of experience.
You can connect with us on WhatsApp/Call at 9650706699. our team can assist you ✅
Thank you 😊
Ok madam I will call you tomorrow.
Mam can I change my permanent address in my policy ...they mistake in my address and didn't change it
You can share the address proof and request for a change, they will do it
Good Evening Madam, Kindly suggest shall I apply for Niva Bupa ReAssure 2.0 (Platinum+) for family,
Myself
Yes you can, please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you !
Ma'am I have one confusion that I have taken hdfc ergo optima secure at previous year for my parents it Going to expired within 2 week so ma'am should I continue this policy or any suggestions that I van adopted new policy of different company please guide me
You can continue as HDFC ERGO Optima Secure is a great plan as well.
If you still have any confusions, connect with us on WhatsApp/Call at 9650706699.
Thank you & keep watching
All ready optima squre hai kya is saal niva Bupa mai switch kar lu kya plz sugges
For more assistance, you can connect with us on WhatsApp/Call at 9650706699.
Our team can assist you in choosing a suitable plan 😊
@krishanbihani3278 why ? U faced any problem with optima secure?
Wrong information. In HDFC ergo also premium increase as per age band.not every year
Premium compare is not by correct way, hdfc has inbuilt Consumables benifit, premium should we compare like niva reassure 2.0 + Safeguard+, and Hdfc secure, that will show exact premium comparision, otherwise false impression of low premium in NIVA
Can you explain more on inbuilt consumables benefit?
@@deepthi6097consumables like gloves, syringes and other things are usually not paid by insurers. If the policy covers it, then it's a good thing.
@Gurleen Thank you for all these informative videos. Hearing lots of negative reviews about NivaBupa service. I too am impressed by Reassure 2.0 and want to port my Oriental insurance policy. Just wondering if it is a safe bet or not. Any comments?
Buy a plan if it meets your requirements & do your due diligence right.
There are positive & negative feedback about every insurance company leading to more confusion. Please connect with us on WhatsApp/Call at 9650706699.
Our team will be happy to assist you in all your queries regarding the plan
Thank you & keep watching !
Mam I want to know is any mental illness covered?
If someone is diagnosed with Diabetes 3 years before purchasing the policy will his condition be treated as PED
Yes , it will be counted as PED
You did not cover the point on room category. In secure I believe its single private room
Now its changed into no limit room rent
If you see claim rejection % as given by IRDAI then hdfc is best and then tata .all other companies have rejection of about 10-15 %
I fully endorse your view
Niva Bupa will find excuses to deny you cashless so don't waste your money on this company.
Apke pass claim rejection %ka koi source hai
Brother Could you also provide Link for that
@@sridhark.s2606 sir if I am willing to take HDFC Ergo with 50k deductible as I have 1 corporate plan from office which I can use to reimburse that 50k and the deductible will also decrease premium. My question is, will there be any issue with cashless hospital if I am taking deductable or taking deductable will make the hospitalization process slow in case of emergency? Plz help
Lasik surgery is covered by which health insurance plan?
Please suggest
No, it isn't covered
@@GurleenKaurTikku for family of 4 with corporate health insurance in place already.. for next 30 years which insurance company and product you would suggest:
1. Bajaj Allianz
2. Oriental insurance
3. IFFCO Tokio
4. HDFC ergo
5.Care health
6. Star health
@@gauravshukla2721 hdfc ergo optima secure, optima restore both are good
Kya co-pay Wale policy me cashless avail nahi ho pata.. please make a video... Actually I have a health insurance policy with Bajaj Allianz, but while purchasing policy a co-pay discount was given to me. I was not aware at that time, what is co-pay. But recently I was hospitalized in a network hospital, approached hospital authority for cashless and they agree. But at the time of discharge, Bajaj Allianz denied the cashless. I have to pay all the hospital bills. Bajaj Allianz is not clearly describing the reason of denial. Just mentioning the reason as, "Liability of the insurer relating to cashless claim cannot be ascertained at this juncture. Insured may submit the relevant original as well as other documents for reimbursement claim for further review and assessment "
Please put light on this
That doesn't mean the claim is rejected.. Only cashless is not approved Bcoz of many reasons(may be it was pre existing disease which will bi covered only after 3 years OR it was in the specific illness, which is covered only after 2 years OR non disclosure).. You take all the papers required from the hospital( they know what all is required), fill up a claim form and submit to the company for Reimbursement. If the claim is genuine, they cannot reject it under any circumstances... Take the help of your agent who sold the policy to you... What for your agent is there..? If you bought your policy online, stop it and buy through an agent
Maam Niva bupa denied my application of reassure2.0 as i did not have a medical report of a issue of 2017. They didnot even communicated to me through any medium. Sare document dia tha mene but ek hi report nahi hai so i could not give. They treatment was done no more issue. Maam what should i do now??
Please get in touch with our team at 9650706699
Ma'am can i switch reassure to reassure 2.0
Yes
Whether to buy hdfc optima secure online or with agent as agent is quoting high
Please connect with us on WhatsApp/Call at 9650706699. We may assist you with the premiums.
Thank you 😊
Kon sa better hai
Depends aapki requirements kya hai . Please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you in choosing a suitable plan.
Are infertility day care treatments covered in Hdfc optima secure?
Not covered
dono policies me cancer treatment cover hai kya????
Claim rejection is higher in niva and its only 97% in HDFC ergo
Which one is more Better
Please Suggest
It depends on your requirements from the plan. You can connect with us on WhatsApp/Call at 9650706699.
Our team can assist you 😊
Hi mam
I m nitin from Mumbai last 20 year to I m taking insulin
Last 8 year ago I do my cataract operation
So I need your help
Which insurance policy I buy
In This cover my all diabetics related problems cover under 24 months or early
So please help me
Thankyou ❤
Hello jee, For any queries, connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few more suitable options !
Thank you & keep watching !
how about care helth insurance...
We don't have any first hand experience with the brand but yes, for any queries related to choosing the health insurance policy : connect with us on WhatsApp at 9650706699.
Thank you !
Mam i cannot see niva bupa reassure 2.0 policy on policy bazaar and niva bupa site.. so from where Can i buy it???thanks
Product getting launched Feb 22
It will be available from 22nd Feb on the website. You can connect with us on WhatsApp/Call at 9650706699.
Our team can assist you. 😊
Its available now on niva bupa site
@@niteshvashistha1560 hey thanks, jus checked it is dere now
Mam policy agent se lena chahiye yaa fir online?
Whatever is convenient for you but we will suggest to get an experienced insurance agent.
For any queries, feel free to connect with us on WhatsApp/Call at 9650706699.
Mam Niva Bupa Reassure 2.0 Me Family Pensioners (Age Less Than 60 )Personal Accidental cover (Rider) Le sakte hy ! Ky claim ane pr Family Pensioners ko Personal Accident Ka claim milega ! Kui ki Normal Pensioners (Above 60) ko Personal Accidental Insurance Nahi Milta Hy ! Please Reply !🙏
Hi, For any queries related to this plan : feel free to connect with us on WhatsApp/Call at 9650706699.
Thank you , keep watching !
Just a warning for anyone considering Niva Bupa - I've read the policy wording and they have sections labelled wrong. How reliable are they really? And how credible is this video if the presenter hasn't read policy wordings?
Means mam Niva bupa good or not in claim can you please because am planning to buy
never go with niva bupa
@@rajatyerigeri152 could you please tell why it is so
@@rishabhsharma8115 they will reject your claims for weird reasons.Even if it's their fault you'll have to run behind them to rectify it... please avoid niva bupa at all costs...i made a blunder by buying 3 years policy at once...sales agent will lure you with discount.. please pay extra and go for HDFC ergo or Bajaj Allianz
@@rajatyerigeri152 thanks rajat for input
Good job mam
Thanks a lot, keep watching ✅
Is Niva Bupa Reassure 2.0 live ? Can we enroll in that policy ?
Yes, you can
Please connect with us on WhatsApp/Call at 9650706699 , our team can assist you in buying the plan 😊
Great compar analysis HDFC vs niva Bupa .plz guide much better both
For more assistance, you can connect with us on WhatsApp/Call at 9650706699.
Our team can assist you in choosing a suitable plan 😊
Claim ma to uppar wala hi malik ha. Mostly claim denyed in niva bupa. Worst claim service in niva bupa. Hdfc is best in claim settlement.
We have a good first hand experience with both the companies, so can't comment.
But to avoid any claim rejection, be 100% honest about your medical history & read all the exclusions/waiting periods before buying any plan to avoid such kind of disappointments.
Thank you
Niva bupa reject cashless claim at discharge and patient has to pay cash at discharge, bad experience with niva bupa
@@manju2872 same here .never go with niva bupa
i faced same issue with niva bupa
Didi behad jyada fast ho raha hai aapka video please thoda dheere boliye aapne rat ke sunaya jaise lag raha hai sorry..
JEE, Thank you for the feedback !
I have HDFC Ergo from last three year my consultant telling to shift to Niva Bhupa can you guide what to do
Port only if you think Niva Bupa ReAssure 2.0 meets your requirements that are not being met by HDFC Plans. But these both companies are great 😊
Thanks for feedback 😊
Which company is best?
Grt
Thank you so much, keep watching !
diabetes type1 disease covered?
yes, if you take the rider .
Which is best hdfc or niva bupa
Hi, Please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few suitable options as per your requirements.
Thank you ,keep watching 😊
Sabse Badi Baat Hoti Mam Ki Policy Lene Ke Baad Company Kitna Support Provide Karti Hai...Aur Claim Rejection Ki Kis Plan Me Jyada Possibility Hoti Hai...Kyunki Maine Suna Hai Ya Fir Kafi Logon Ka Review Rehta Hai Ki Ye Sab Log Koi Na Koi Reason De Dete Hai Claim Rejection Ka.!!
& Mam Aapne Kon Sa Health Plan Liya Hai....???Use Hi Mai Bhi Lunga!!
Hello jee, aapne bilkul sahi kaha ✅ We will also suggest ki policy lete time be 100% transparent about your medical history. Also, buy it through an experienced insurance agent for better services .
Buy a suitable plan according to your requirements & medical history. Also, I have Niva Bupa Health Companion.
For any queries, feel free to connect with us on WhatsApp/Call at 9650706699.
Our team will be happy to assist !
Ma'am which platform buy health insurance? Online bahut platform kaha se le.
Mein ne 2022 mein reassured liya h to kya mujko nukasan ho gya h
no , That's a great plan as well.
@@GurleenKaurTikku mam to mein ye plan apni hone wali wife ke liye le sakta h reassured 2.0
Vry nyc
Thank you, keep watching !
Hi , why don’t you make content on what is good and what is bad about the policy instead of just side by side comparisons.
Hi, this is because what is good for me may be not good for everyone . Everyone's requirements , medical history is different.
We definitely provide one to one assistance as well.
Claim settlement ratio for health insurance between them?
Main toh yahi hai ..par ye bataya he nahi 😂
Nahi batayega
Maxlife Or bupa marge
Please compare reassure 2.0 and acko health insurance
Okay, thank you for the video suggestion 😊 Keep watching !
never go for niva bupa .. Worst experience ..