Family Plan Health Insurance
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- Опубліковано 28 сер 2024
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🔷Any pre-existing disease will load the premium for the coverage availed by the entire family
👉The premium for a health insurance policy to be issued to a person with a pre-existing disease is comparatively high, it’s better to purchase a separate health insurance policy for such a person in your family
🔷No Claim Bonus or NCB Could be Affected.
👉In case of a health insurance policy, if you do not make a claim in a policy year, you are entitled to receive no claim bonus in terms of a discount in the premium at renewal or add-on benefits.
👉However, since in case of family floater health insurance policy, the NCB vanishes right there and then if a family member makes a claim
👉Now, if you include your parents in your current family floater plan and they get hospitalized to a pre-existing medical condition or all of a sudden, the NCB is affected.
👉In case they have a separate health insurance plan, the NCB of only their own policy will be affected
🔷The Coverage for you Might be a Little When you Need It.
👉You might have coverage of Rs. 10 Lakh under your family floater policy, which is enough for a family of 4.
👉However, the same coverage might not be enough for a family of 6 (after including you parents).
👉If one or more members of your family keep getting hospitalized due to recurring medical condition, the coverage for you might not be enough when you actually need it.
👉Therefore, if you still want to include your parents in your existing family health plan, make sure you increase the sum assured by the policy
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🔷Any pre-existing disease will load the premium for the coverage availed by the entire family
👉The premium for a health insurance policy to be issued to a person with a pre-existing disease is comparatively high, it’s better to purchase a separate health insurance policy for such a person in your family
🔷No Claim Bonus or NCB Could be Affected.
👉In case of a health insurance policy, if you do not make a claim in a policy year, you are entitled to receive no claim bonus in terms of a discount in the premium at renewal or add-on benefits.
👉However, since in case of family floater health insurance policy, the NCB vanishes right there and then if a family member makes a claim
👉Now, if you include your parents in your current family floater plan and they get hospitalized to a pre-existing medical condition or all of a sudden, the NCB is affected.
👉In case they have a separate health insurance plan, the NCB of only their own policy will be affected
🔷The Coverage for you Might be a Little When you Need It.
👉You might have coverage of Rs. 10 Lakh under your family floater policy, which is enough for a family of 4.
👉However, the same coverage might not be enough for a family of 6 (after including you parents).
👉If one or more members of your family keep getting hospitalized due to recurring medical condition, the coverage for you might not be enough when you actually need it.
👉Therefore, if you still want to include your parents in your existing family health plan, make sure you increase the sum assured by the policy
Family insurance 4 members ku podrom nu vaichikonga athula 2 members death aana insurance premium amount reduced aguma
renuval time avankala remove pannitu meethi irukavankaluku use pannikalam
Huge respect for Tour analysis and hard work brotha🙌🙌🙌Do more ,we'll support
Thani thaniya vangurathoda family policy rate kammi ah iruku .. already check paniyachu
Check the policy properly
For Example
Family plan - 4 members - 5L insured - so price seems low
Individual plan - 1 member - 5L insured - so price seems high
As per my concern
An individual per head should have 10L base insurance or at least 5L.
Link ?
Hi Aravind, I am your serious follower. Your videos are so useful for us. Please put some videos regarding portfolio's allocation between large, medium & small cap stocks. I am a conservative person & a beginner in stock market. Currently, I am following my portfolio as: 25% nifty bees, 35% large cap stocks, 30% mid cap, 10% small cap. My concern is, 25% of nifty bees & 35% of large cap stocks will overlap. How to avoid this or how to improve my portfolio allocation? Please give an advise. I believe, you will clear my doubt. Thanks Aravind.
For your kind information… if you take individual policy you need to pay higher amount of premium. Because the insurance coverage is each individual that’s why . If you take family policy . The one coverage total family premium will be low as well as compare to individual policy
Life insurance pathi video podu ya.. orutharum edukka maatrainga😂
😂😂😂
Dude you always share accurate info why are you so wrong about this, family plan is only upto 25 age children plus premium difference la irukadhu infact individual insurance is costlier than family plan
Family insurance including parents will definitely reduce your premium. Kindly check once
Thambi it seems wrong if we put parents separate insurance also while clap amount me and my parents greater than family policy. One thing remember is aged person need huge coverage that's the reason we need separate policy not for money
nallathu thampi
Brokerage charges paid to real estate agent can be exempted from income tax
Personal loan preclose fine patthi vedio podunga
Bro en friend oda pf account LA date of birth thappa irukku matthanum Eppadi mattharathu.. Innum UAN pannala
Bro, one small doubt.
Old company PF amount transfer agale. So, how can I take that amount. Pls clarify this doubt.
Same UAN number ரெண்டு company layum iruntha eduka முடியாது. Old company la oru UAN number and new company la vera UAN iruntha, online la ye apply Pani edukalam.
2 company layum UAN same ah iruntha, aadhar, bank and pan KYC online la update panitu, transfer matum panlam.
lasik eye surjury insurance cover aguma
S
Already potrundha enna panradhu brother
Salary paid to maid can be exempted from income tax
We got a more limit of amount in insurance
Good
super 👌
Super bro
Useful post sr
Bro epdi insurance edukalam any bank or company la edukanuma
Already oru family plan poturuntha adha individual ah convert panna mudiyuma
Which company isgood for health insurance policy...ppz tell
@@Adityabirla-vt2ri😂😂😂yeenn yennn
@@Adityabirla-vt2ri health policy sales ah 🤧
Liberty insurance
@@indhuindhuindhuindhu1609 icici Lombard
Please admit in hospital...you in critical stage.....this leads to fits and body becomes paralysis
Bro health insurance pregnancy and delivery ku cover Aaguma bro
Ss
Delivery ellame cover Aakum..
தம்பி நீங்க சொல்றது புரியுது ஆனா புரியல கொஞ்சம் தெளிவா சொல்லுங்க plz
மருத்துவக் காப்பீடு எடுக்கும் போது வயதானவர்களுக்கு தனியாகவும் மற்றவர்களுக்கு தனியாகவும் காப்பீடு எடுக்க வேண்டும். ஏன் என்றால் வயதானவர்களுக்கு பிரீமியம் தொகை அதிகம். அவர்களை உங்களுடன் சேர்த்து குடும்பமாக காப்பீடு எடுத்தால் உங்களுக்கும் வயதானவர்கள் கட்டும் அதே பிரீமியம் கட்டணத்தை கட்ட சொல்வார்கள்
Kanna... suggest me a good health insurance policy pa. My husband is 36 yrs old.
Hi ungaluku ethana health insurance doubt na iruntha solunga Naa Aditya birla health insurance la work pandren
Best health insurance company name sollunga bro
Health insurance family assure nalla irukum
Hi na Aditya birla health insurance la work pandren ungaluku ethana doubt na keelunga
@@bini5348na Liberty insurance potran.. doubt na kelunga
Incorrect
Best health insurance company sollu bro athula thaan pannanum please ..
Hi Naa aditiya birla health insurance la work pandren ungaluku health insurance la ethana doubt na keelunga
This is wrong statement
Reduce ur hand movements. It looks artificial