Best Health Insurance Policy In India | Check These 5 Steps And Save 30% On Your Insurance
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- Опубліковано 29 вер 2024
- Discover the best health insurance policy in India. Learn the importance of a high claim settlement ratio for quick and hassle-free claims. Explore the incurred claim ratio to understand the insurer's efficiency and how you can save tax benefits from your health coverage. In India, medical expenses are growing at 14%, and it is important to take perfect health insurance. Watch now for an overview and make informed choices for your well-being.
#healthinsurance #besthealthinsuranceplans2023 #bestmedical #besthealthinsurance #healthinsurancepolicy
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Dark side,Aap Khali apna referal Kar rahe ho aur Commission le rahe ho,
Mene policybazaar se policy le niva Bupa ki, 2 reimbursement claim my toal amount 125000₹ is loss..
Aap log sell karte ho referal link par customer service ghatiya mil Rahi hai, yeh nahi check karte...
@@AllinTechsyou didn't get reimbursement which health insurance you bought
Sir plz review navi health insurance it's take monthly premium like term insurance
Hi
Sir,
Can you please let me know. Where did you get Claim ratios.
Kya IRDAI/ Insurance company ya kahine pay show Karti Haan ??
People only check A) Cover amount & B) Low premium.
Other important things to be looked at
1) Incurred claim ratio: Claim cleared against premium collected. Ideally the ratio should be 50-90%. Check the ratio for last 4-5 years.
2) Claim settlement ratio: Number of claims settled by the company of the against the number claims made.
3) Cover amount: Understand
A) Sub limit
B) Cashless hospital
C) Room rent
D) No claim bonus
E) Restoration amount
F) Waiting period for different diseases
G) Riders
H) Annual health check up most policy give free check up
I) Top up or Super top up. Opt for super top up
Yeh sab kisme milega better any refference
@@Bankniftysurgeonsame question bro
@@GadhuliPhotographyHDFC and Relaince are the only brands which have high ICR
Nice video explaining what one needs to check as part of due diligence. Unfortunately the wordings are so complicated and full of jargons which only a medical professional can follow. Also, sub limits, room rents, pre existing diseases coverage etc are not very easy to understand and usually not made simple with examples.
Very nice information 👍🏿👍🏿
Dear sir 🙏. Sir written chapters bhi dijiye.
why you did not consider HDFC ergo in the comparison ..any reason? Just want to know that any drawbacks for which I should be aware before buying?
Thanks juat clicked on the video most awaited video mai 3 mahine se term insurance or health insurance lene ka soch rha hu but fir term insurance lene se pahile sochta hu ki lic lelu phir sochta hu ki itna jada premium hai but return milega wo b thek hai but fir sochta hu ki term insurance le leta hu or baki paise sip me krta hu which is good term or lic please suggest i am very confused
Better you buy Term if you have any loan so your family dont have to bother go for LIC if not then do mutual fund for same and Health Insurance....
Thanks very useful 🙂
Super explanation 🎉🎉
Navi ka health insurance kaisa hai sir
The main problem & question is from where we can check all these ratios????
thankyou so much sir🙏🙏🙏🙏🙏🙏
Pls help
Which one is reliable source to know about these 3 ratios
Very great
Thank you for the video ❤❤❤
May I buy Group Policy ? What are the limits with group policy ?
Sir, can u tell us based on your experience and knowledge which health insurances are best. Please Sir.
HDFC Ergo
Hdfc is a fraud company
care supreme yes or no?
Niva bupa insurance kisi ne liye hai toh pls acha bura experience share kare
Don't buy Niva Bhupa Health insurance, they reject my cashless claim, 7 yrs old policy. I am thinking of port to other Health insurance company.
👍🏻
Bhai Ye IRFC Ko Kon Manage kar raha he bhai 🤣😅✌️
Complex hai samjhna 😢 😢
Itnay saare if and buts , matlab 1st time lutna lazmi hai.😢😢
Aur Mai loota bhi gaya😢😢😢
But the shit thing is we have to buy there is no option we have. We can't just put all our saving into an emergency 😬. Man this all sounds really shit. And when it comes to get claim you will get tiried.
@@Mr..X69 hmmm there is fashion to criticism of socialism aka wokeism of our generation.
Fruits of absolute free market is apparent now , those who support capitalist policies must be happy now.
@@sivendrasinghkckonsa company ka health insurance tha. Apke
Best go for psu health insurers
Duniya ka sabse bada chords business ran by institutions is Insurance. I see insurances as legal way of committing fraud at massive level.
Why HDFC ERGO missing from your list
Please make a separate video on top 5 health insurance covering all benefits in 2023 as per past and results, thanks for making this video
being a doctor i wud say overall star health,care and icici health insurance is worst..
these companies provides so low packages of surgeries to hospitals that hospitals tries to avoid treating patients of these insurance companies as they cant afford to treat patient for so low budget in which hospitals sumtimes hav to bear loss in treatment..also these companies tries to reject claims first, then after resubmitting answers for lots of queries of these companies,finally they provide partial package to hospitals and patient has to bear remaining amount..so i will suggest to avoid these 3 companies totally
Mujhe to policybazaar ne care policy lene ke liye kaha
To phir kaun sa Lena chahiye
niva bupa,hdfc,future generalli are few good ones
Psu insurers is best
@@saber3112 no way..dnt go for it..always take pvt. ones..thoda costly he, but worth it he
Star health insurance is bigplayer and also big claim rejection company.
That's why no one takes insurance it's too complex. Gov should simply this🙏
प्रसाद
अतिशय उपयुक्त, महत्वपूर्ण HEALTH INSURANCE विषयी माहिती मिळावी. असेच investment , insurance वरील ज्ञानदानाचे कार्य करत रहा .
शुभेच्छा
Sir New India assurance kesi company he ( raksha TPA)
Thank you for sharing valuable information Mr. Prasad
This like M1 /physics classes theory classes.... every thing seems to be understood howerver at the end of classes blank mind😅
Suggestion v de den chahiye tha itni lambi video dikhayi hain toh
Policy word document me heart brain cancer treatment ka v limit hai.
Hi sir plz make a video on NAVI HEALTH INSURANCE Plz..
AAP ne liya he kya ser je insurance
Outdoor treatment or OPD treatment should be included in every health insurance. Its will prevent an the thing from happening.
where do we check all these ratios for ICICI prudential. Also ICICI prudential changed my policy after taking the policy. Is that legal?
Much awaited video ❤
Why Hdfc ergo not there
why hdfc ergo not here
Bhai upper se gaya 50%👍
Where to find these ratios
Lamba video banaye, harek option ko explain kare sir,please
Thankyou for making this video. It has really helped me in buying right insurance.
Hdfc health insurance pe bhi jaankari chahiye
A 65 years aged person was diagnosed with diabetes when admitted to hospital 10 years 6 months (thereafter never admitted to any hospital with the same disease or any other disease) ago and for 2/3 months was on insulin and thereafter on oral medicines only and again for last two years on insulin, although sugar level has gone down substantially, which health insurance service provider will provide him with a family floater policy of 2 (whose wife takes medicine of BP) to him which will have no co-payment, sub limits or capping, will give no claim bonus, unlimited restoration facility with same disease or other diseases, facility of super top-up, cashless and reimbursement, and also the pan India treatment facility without co-payment. Please reply as early as possible. Please also consider latest CSR as per IRDA of health insurance policy only and do consider ICR while suggesting.
Claim toh important hai hi lekin premium bhi kitna zyada hai hum jaise logo ke liye policy bana hi nahi affordable premium
Sab log thodi youtuber aur ambani ki aulaade hai
😂😂😂
How do we get these ratios (like year-wise ICR, CSR, and Repudiated Claims)?
Please make video on buying super top up from third party apps like indmoney, phonepe and how those are different if we buy these directly from insurance company
Hi sir plz make a video on NAVI HEALTH INSURANCE Plz..
Navi health ne muje 1 sal Tak delay Kiya or bad me court case karne ke bad claim pass huva....
@@ravirajsinhpuvar2984 kyo kya problem bataya
Bro.....campany online hospital network me dikhati he....pr waha admit hone ke bad pata chalta he ki yaha cashless bandh kr diya he...
Yes mere sath bhi hua care me
Hello Prasad, can you let me know if we should opt for super top up or Critical illness lump sum benefit? Also, Critical illness plans are not available on Policy bazaar.
Star helth ne mera claim bahana bna k reject kr diya
We will soon make a video on claim settlement.
Thank you so much sir 🙏
HDFC ERGO👍🏻
abe short me company bol de kiska lena hai.. gyan pel ke aur confuse kr diya
Star health insurance bahut bakwas company hai kabhi na le kisi Ko recommend mat karo
“कभी“ 2 bar likh dia hai 😂 apna video images main
Sab dhiyan sa read kero pata chala ga
Nice explanation…. Can we use chatgpt to summarise T&C of any health insurance?
Family plan liya toh cover amount total family ka rahega ya individual rehta hai. Multiple members ek hi family main claim kar sakte hain kya.?
Thanks buddy... Your video was money saver😁😂❤
Bharat 🇮🇳
Incurred claim ratio mujhe ulta kyu lagra Raha hai, against ke baad ki line denominator me hoti hai . Inhone ne numerator me rakh di ya fir statement galat hai
very nice vide prasad bhai...thanku yoo much...make video on ayushman bharat yojana for rural people how they apply and what is the procedure to acquired this fascility...maximum rural people are unaware about this....and also describe under which hospital this ayushman bharat scheme isavailable or private hospital is can follow this scheame....
Abhi ki time mein sabse behtar kaun see policy health kaun si hai
Star wala chor hai..mere friend ka 65000 ka claim atkaya
Nice vedio explaing what one needs check as part of due diligenc..
Har saal koi na koi chumtiya health insurance guide bana deta hai
Excellent video by Mr Prasad. Especially the part how you can compare various companies and the part where from policybazaar options, you should check the prospectus of each and every option. Great video and service to common man.God bless you
Konsa company ni health insurance kharidna chahiye Sir
Pl guide on Govt insurance schemes
Sir ji jisne health insurance le liya hai wo kaha se ye sab check kar sakta hai?
Si, what about HDFC Ergo...???
Thanks a lot...very informative 😊
Ayushman health card ki upar ek video... please
GR8 EXPLAIN SIR....
Best konsi hai aap hi suggest kar dijiye
does it involves hole family insurance?
सर जी... 1 वीडियो OLX पे बेच दे पर बनाओ....
Bhaiya me konsa health insurance karu
Greattttt explanation help to find better Health insurance
Which one will you opt for personally in 2023?
One of the best videos on health insurance.
Super Top-up mein to UPTO SINGLE PRIVATE room aa rha hai....usme NO ROOM LIMIT super Top-up mein nhi mil rha hai...uska kya kare?
जो room limit mentioned है वही room लेना है
@@pankajpanchwagh4062 To yeh bakwas hui na fir....main room rent restriction kyon jaun?
@@anindansh2 These rules are made by the company & we have to follow the rules else we have to make to make the payment of difference amount
Bhiya make a video banccasurance sale
Marketing = Samne wale ko Ullu Banana
Sir where we can find these ratio?
Very informative 🙏
Please explain in detail super topup plan request
Very Helpful information
Bhai tataaig ka nahi bataya??
Bahut aacha
Why you skip tata aia
Much much thnx sir
notes taken
Awesome video 🔥
Can we check the ratios in policy bazaar?
Fantastic Sir.The best video on Health Insurance I've ever seen.
Please explain what is a top up?