Dear Gurleen Kaur Tikku mam.........Please Make a video on detailed report of health insurance compnies Claim settlemet ratio and incrred amount ratio and others parameters...it is difficult but you are the only one can do it in better way
There should be clear guidelines/rules by the government as companies don't do medical examination of the persons but at the time of claim they used to come up with some clause of non declaration etc to reject the claim.
Yes that's very true. Most of the people are taking policies with trust on agents/relatives but agents are the persons who misguides. It happened with me. Go online or go with direct company person or with your competent financial advisor . Most cases even after saying that we will undergo medical test and even if we tell we will pay, they says no because they don't want to waste time on us and they wanted to finish their daily targets. In india I belive 90% of people fail during claiming because no one reads policy doccument, we are afraid of trust issues with referred relatives, we are not bold enough to question, we don't have time to understand our own customer rights
Can I port my base policy of Company A to super top up policy of Company B? Or a user can only port from base plan to base plan and super topup to super topup.
HI Gurleen - In case of SI increase (Existing policy 4 Yrs old ) , whether we should go for new policy for additional SI amount with some other insurer and be with old policy to avail waiting period benefits or do we port the policy take existing SI benefits in new policy and for additional increased SI will await for waiting periods . Thanks
Madam, Does no claim bonus also get credited in case we upgrade the sum insured and migrate the policy with the same insurer ? Also, guide what happens with the no claim bonus if we upgrade the sum insured and port to the new insurer. Can we get the claim including the no claim bonus amount with the new policy in both rhe case ? Kindly guide.
Hello Mam, I have one question, Let say I have health insurance policy from company A since 5 years and I want to port to company B because of better features, but I also want continue with policy of company A even after porting to new company in order to have two policies of two different companies for extra safety
One very very important matter. If in porting, the premium is enhanced for enhanced SI, then what new things or the provision of rules would come for the additional amount.
Madam ek question hai mera 3 saal ka health policy tha jiske 2 saal ho hya hai kya mai abhi dusri company ke health policy me port kra skta hu ki mujhe 1 saal aur rukna padega
For number 2. I have a TCS corporate insurance that i want to port, In that plan, provided by New India Assurance, there is a floater of 12 Lacs and 2 lacs personal sum assured. So when porting, which one will be considered 2 lac or 12 lac for waiting period waiver
Meine star health insurance comprehensive plan liya hai 3 years ho chuke hai kya mujhe doosari company mein port karna chahiye for more beneficial? Please reply
Hi mam ,is there any health insurance where we can get the claim of monthly/quaterly consultation and medicines claim or test claim(like ultrasound,CT scan,or any other ),pls mention
I have taken claim from Star health Family optima , but now i want to port to another company, is it allowed to Port other companies after avail of claim
If I do third time portability....last two health policies could be considered for continuation of facilities or ONLY THE PREVIOUS HEALTH POLICY would be considered ....
Please mention all the existing conditions to new insurance company while porting. You can connect with us for any assistance - hareepatti.com/contact-us/
mam i have a problem for porting, existing policy is star health , last two year ago i have clamed, that's the reason for new company rejected for approval, any solution
I have a doubt. What does mean upto sum insured? e.g- modern treatment upto SI, if claim amount more than SI then rest of money deduct from cumulative bonus, and from unlimited recharge?
Very informative video, thanks! I had a question. Scenario - I have health insurance of 10L base SI, 5L NCB, and 10L Super NCB... I am planning to port to a new insurer with 25L base SI... So if the porting is accepted, will the 5L NCB and 10L Super NCB be added to my 25L Base SI making it an effective 40L cover?
Hi Gurleen Ji,Maine Aditya birla plus health insurance karvaya hua Hai,Jo 04.02.2023 koi renewal hona hai but main Star Health insurance me port karvana chahta hu ,it is safe please suggest me 🙏🙏
Maam, If I switch from one plan to another plan in same 'X' company. Do I need to again submit fresh underwriting? And do I need to disclose illness came in between? Will that count as pre-existing illness?
Madam after going through the policy in detail after porting found new policy not satisfactory. Can I revert to my old policy again? Date of renewal is still 25 days. What is the process if I want to go back
Good evening mam Mam meri health policy ICICI Lombard mai mai 10 lakh ki mai use star health pro 5 lakh karwana chata hu kiya policy 10 lakh se 5 lakh mainport ho sakhti hai??
health insurance policy portability karne ke bad free look period KA BEFENIT MILTA HE YA NAHI or portability karane ke bad hume purani policy me vapas jana ho to ja shakte hai kya?
Mam I can change my mother health insurance policy hadfcergo to other because I'm not getting benefits I'm paying only premium since when I have purchased by the grace of God i didn't used once that policy would I get more than benefits because this policy has day one hypertension & diabetes I'm not getting any health check up & all too please give me idea mam or else I should stay on this only
Hello mam we port our policy in care health insurance company but app show a new policy no previous record a brand new policy how they did this and what is its solution
Namskar Madam, I want to port Health Insurance from Niva Bupa to Care Insurance. The reason due to premium increase every year by Niva Bupa. I am 54 years old no claim made from Niva Bupa. Please suggest. Premakumar
Namaste, I am keen to port my existing NIA Health Insurance policy (which I have since 20 years, with 50% NCB) to a better company. Please can you guide me. Renewal is on 11.5.2024. I am looking at Care Supreme Direct (not sure if it’s good). I have concerns on paying high premiums which NIA has increased recently. Please can you guide and help me.
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history.
I have my mother policy in nivabupa they are not changing my policy with new benefits please suggest Which company is good where may i port..please reply asp
Ap ne mera baat samajh nehi paye. Me care health insurance liya hu. Policy certificate mei Ek jaga likha hai has any health policy been rejected or cancelled?. This potion is answered NO. jabke mei star health mai ekbaar try kor chuka hoon. Oh mera application reject kor diya tha sufficient document represent na korne ke vase se. Par care mei sabhii document submit kor diya. Mera policy issue ho geya. Near future mei is vase se claim reject ho sakta hai keya?
It's better to inform to new insurance company beforehand to avoid any claim rejection. You can mail them or inform your insurance agent. Contact the customer care as we are not sure about the Terms & Conditions of all the companies.
You can port if the new plan meets your requirements. If you want any assistance in choosing a suitable plan, connect with us on WhatsApp/Call at 9650706699. Our team can assist you.
No claim bonus is not carried forward, however, continuity for NCB is carried forward if you opt for higher sum assured. For eg- Old policy - 5 lacs, NCB 5 lacs, you are paying premium for 5 lacs here New policy - 10 lacs - you will get continuity for 10 lacs ( 5 base+ 5 NCB) , you will have to pay premium for 10 lacs
Aapne har kisi question ka itna ache se answer kiya hai... honestly agar aap teacher hoti to baat hi alag hoti...itna ache se aapne sab samjha diya
Thank you so much jee, please subscribe to our UA-cam channel so you don't miss any such informative content.
Very good mam no body is so clear in this industry all are looters they don't care for you but you are good at heart to clear all things
Thank you so much jee, keep watching 😊
Your way of explanation is awesome. Thank you so much.
Thank you, keep watching ! 😊
Aap ki video very clear cut hoti ha sab bat ache se samaj aa jati ha
Thank you jee, keep watching !
Dear Gurleen Kaur Tikku mam.........Please Make a video on detailed report of health insurance compnies Claim settlemet ratio and incrred amount ratio and others parameters...it is difficult but you are the only one can do it in better way
😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊
Thank you for the video suggestion jee 😊
We will try to bring a video soon
Keep Watching !!
Mam yeh niva bupa kaisi company h m star se bupa m port karvana chahta hoon aap bataiyd please
Kyaai reliance GI se port star me Krna chahta 4 sal baad kya mera nirnay sahi h
There should be clear guidelines/rules by the government as companies don't do medical examination of the persons but at the time of claim they used to come up with some clause of non declaration etc to reject the claim.
Yes that's very true. Most of the people are taking policies with trust on agents/relatives but agents are the persons who misguides. It happened with me. Go online or go with direct company person or with your competent financial advisor . Most cases even after saying that we will undergo medical test and even if we tell we will pay, they says no because they don't want to waste time on us and they wanted to finish their daily targets. In india I belive 90% of people fail during claiming because no one reads policy doccument, we are afraid of trust issues with referred relatives, we are not bold enough to question, we don't have time to understand our own customer rights
Very very true@@madhumadhukar4266
Can you please explain us in detail for migration of health insurance with different issurer??
Best information 👌
Glad you found it helpful 👍 Keep watching & do Subscribe !
Thanks ma'am , good n well explained.
Can I know what would happen to the accumulated bonus gained.....will that also carry forward to new company
Can I port my base policy of Company A to super top up policy of Company B?
Or a user can only port from base plan to base plan and super topup to super topup.
Mam can we migrate policy in same company having claims in previous plans
For an existing policy can we change the agent at the time of renewal instead of porting the policy ?
Your vedio on health are so good
Thank you 😊 Keep watching
New information known... Thanks a lot
Does cumulative bonus benefits transfer in case of portability
It can but also depends on your policy terms & conditions.
HI Gurleen - In case of SI increase (Existing policy 4 Yrs old ) , whether we should go for new policy for additional SI amount with some other insurer and be with old policy to avail waiting period benefits or do we port the policy take existing SI benefits in new policy and for additional increased SI will await for waiting periods . Thanks
Well explained in a easy way❤❤❤❤
Thanks a lot 😊 Keep watching !
Madam, Does no claim bonus also get credited in case we upgrade the sum insured and migrate the policy with the same insurer ?
Also, guide what happens with the no claim bonus if we upgrade the sum insured and port to the new insurer.
Can we get the claim including the no claim bonus amount with the new policy in both rhe case ?
Kindly guide.
Mam same company me plan change kar sakte hai health insurance ka renewal k time par
Informative
Thank you jee, keep watching & do subscribe !
Madam,
Whether moratorium period to be counted in case of porting or migration ??
Hello Mam, I have one question,
Let say I have health insurance policy from company A since 5 years and I want to port to company B because of better features, but I also want continue with policy of company A even after porting to new company in order to have two policies of two different companies for extra safety
Can i port same company in different plan
Depends if there is internal portability available in the insurance company.
My policy with Care.
I am plan to port in Neva bupa. One member take thyroide medicine since 7months.
Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you !
after porting, How do I know, whether my policy is new policy or ported. Is there any remark in policy certificate or documents
One very very important matter.
If in porting, the premium is enhanced for enhanced SI, then what new things or the provision of rules would come for the additional amount.
Madam ek question hai mera 3 saal ka health policy tha jiske 2 saal ho hya hai kya mai abhi dusri company ke health policy me port kra skta hu ki mujhe 1 saal aur rukna padega
For number 2. I have a TCS corporate insurance that i want to port, In that plan, provided by New India Assurance, there is a floater of 12 Lacs and 2 lacs personal sum assured. So when porting, which one will be considered 2 lac or 12 lac for waiting period waiver
What about group care policys...they are not portable
Meine star health insurance comprehensive plan liya hai 3 years ho chuke hai kya mujhe doosari company mein port karna chahiye for more beneficial? Please reply
Thanks mam for your kind information
Thank you, keep watching !
Hii, is there any option to port group health insurance which I took from Canara bank ?
Hi mam ,is there any health insurance where we can get the claim of monthly/quaterly consultation and medicines claim or test claim(like ultrasound,CT scan,or any other ),pls mention
I have taken claim from Star health Family optima , but now i want to port to another company, is it allowed to Port other companies after avail of claim
Very good information
Thanks a lot, keep watching !
If I do third time portability....last two health policies could be considered for continuation of facilities or ONLY THE PREVIOUS HEALTH POLICY would be considered ....
Madam,Right information.
Keep watching !!
Thanks Tikku mam for your this video.
Keep watching 😊
is all type of health policy (like master policy) portable?
great video.....one question can we have the sum assured decreased , if yes , are there any charges associated?
Yes, you can increase / decrease- no charges
@@GurleenKaurTikku Thanks for your answer, I hope we can do the same while porting the policy? does it affect the PED and other factors?
Plz tell porting process
Thanks for the information , Does the No Claim bonus accumulated also gets ported to new policy after porting ?
Thank you ! We have a detailed video on our channel related to No Claim Bonus. LINK : ua-cam.com/video/RuMbfe88udQ/v-deo.html
Want to do porting with pre existing diseases like diabetes , blood pressure and cholesterol, please suggest
Please mention all the existing conditions to new insurance company while porting.
You can connect with us for any assistance - hareepatti.com/contact-us/
New Company main Old Policy Successfully Port hone ke baad existing old company ko inform karna hota hai ki humane new company main port kiya hai ?
Yes, you have to inform.
mam i have a problem for porting, existing policy is star health , last two year ago i have clamed, that's the reason for
new company rejected for approval, any solution
Madam laps policy port hota hai keya
Online portability may kiya koi form fillup kar na hota hai ? Main policy portability kiya tha, lakin mujhe koi form fillup nai karna para.
Any link for IRDA guidelines?
Madam ji star health ki super top up kis kis company mein port ho sakti h
Hello Mam, should one go for deductible option inHDFC ERGO. My current age is 50 and wanted to buy e fresh policy
It depends on your requirements & medical history. For any queries, you can connect with us on WhatsApp/Call at 9650706699.
I have a doubt. What does mean upto sum insured? e.g- modern treatment upto SI, if claim amount more than SI then rest of money deduct from cumulative bonus, and from unlimited recharge?
Very informative video, thanks!
I had a question.
Scenario - I have health insurance of 10L base SI, 5L NCB, and 10L Super NCB...
I am planning to port to a new insurer with 25L base SI... So if the porting is accepted, will the 5L NCB and 10L Super NCB be added to my 25L Base SI making it an effective 40L cover?
Hi Gurleen Ji,Maine Aditya birla plus health insurance karvaya hua Hai,Jo 04.02.2023 koi renewal hona hai but main Star Health insurance me port karvana chahta hu ,it is safe please suggest me 🙏🙏
Please dont go for star health. Aditya, HDFC and tata are best
Maam,
If I switch from one plan to another plan in same 'X' company.
Do I need to again submit fresh underwriting? And do I need to disclose illness came in between? Will that count as pre-existing illness?
Mam no claim bonus bhi carry forward hoga?
Madam after going through the policy in detail after porting found new policy not satisfactory. Can I revert to my old policy again? Date of renewal is still 25 days. What is the process if I want to go back
Yes, you can cancel your policy.
Portability ke liye minimum sum insured 10 lakh ka hi hota hai Aisa koy ruls hai?
Mam kya apne hi code mai health mediclaim policy li ja sakti hai in......future generali.
And claim lene mai koi problem toh nahi ayegi.
Aap please future generali ki team se confirm karlijiye.
We don't have any first hand experience in this.
Hello mam how to confirm policy is ported ?
You will get new policy papers when issued.
Whether No claim bonus will be carry forwarded?
Good evening mam
Mam meri health policy ICICI Lombard mai mai 10 lakh ki mai use star health pro 5 lakh karwana chata hu kiya policy 10 lakh se 5 lakh mainport ho sakhti hai??
I want to port my health insurance from new india to other which is best for me
No claim from last policy
Policy running from 2014
health insurance policy portability karne ke bad free look period KA BEFENIT MILTA HE YA NAHI or portability karane ke bad hume purani policy me vapas jana ho to ja shakte hai kya?
(Reference No.: IRDAI/HLT/REG/CIR/003/01/2020). can you explain this please
Why one should not take a Mediclaim policy from any Bank or Bancassurance .
Madam what is "Billed Premium" ??
Mam I can change my mother health insurance policy hadfcergo to other because I'm not getting benefits I'm paying only premium since when I have purchased by the grace of God i didn't used once that policy would I get more than benefits because this policy has day one hypertension & diabetes I'm not getting any health check up & all too please give me idea mam or else I should stay on this only
Contact me port your policy other company
Portability ke baad kab surgery kar sakte hai
Madam I don't want to change the company but I want to change the agent is this possible. ?
Not possible
@@GurleenKaurTikku
Thank you madam
same problem with me .
Very nice
Thanks, keep watching !
Very helpful video ma'am... Thank you so much for sharing 🙏🙏💐
Thankyou so much !!!
Hello mam we port our policy in care health insurance company but app show a new policy no previous record a brand new policy how they did this and what is its solution
Please connect with the Care team or your insurance agent for the same.
Namskar Madam,
I want to port Health Insurance from Niva Bupa to Care Insurance.
The reason due to premium increase every year by Niva Bupa.
I am 54 years old no claim made from Niva Bupa.
Please suggest.
Premakumar
Same problem with me every year money increases I m very unhappy with niva
Namaste, I am keen to port my existing NIA Health Insurance policy (which I have since 20 years, with 50% NCB) to a better company. Please can you guide me. Renewal is on 11.5.2024. I am looking at Care Supreme Direct (not sure if it’s good). I have concerns on paying high premiums which NIA has increased recently. Please can you guide and help me.
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history.
Policy port karne k lia new company ko aadhaar our pan card copy Dena jaruri h kia
Any one id proof for address verification
Thank you 😊🙏
Welcome!! Keep Watching 😊
Bank se related group health policy Port ho skta h kya..?
No sir
Please do a video on SBI general super health insurance policy
Noted ✅ Thanks for the video suggestion ! We will try to bring a video soon !
hello mam
godigit ki policy 10 lakh ki li hai
Kaisi hai review kare godigit ka
Proposal form pe previous health insurance mention korna bhul geya. Mera claim keya future me reject hoga? Pre diseases mention kiya.
Matlab portability me old policy is not mentioned? Toh woh portability nahin hai, it is a fresh policy
I ported from Star to Maxbupa Reassure with 20 lakhs cover . Is it wise decision?
Yes sir it's a wise decision
Portability is not an issue , however disclosing all the material information at the time of porting is important. If you have done that, no issues.
Hi RK Khot.... Are you satisfied with all the facilities provided by Max Bupa?? Is it better than Star Health
Shall i port to LIC ?
CAN I PORT FORM STAR HEALTH TO ICARE AND WHICH IS BETTER
Niva ko chhod kr sb achchi hai
How to port from group insurance like ICICI HEALTH SHIELD 360 to any normal policy like HDFC OPTIMA SECURE
Hello jee, For any queries on Health Insurance : please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you 😊
I have my mother policy in nivabupa they are not changing my policy with new benefits please suggest Which company is good where may i port..please reply asp
Please contact me port your policy other company
After porting the policy to the new company, I want to renew the old policy, what should I do?
No, you can renew to the new policy only.
My mother age 60 she is suffering for cancer and all treatment get of cancer and complite so which company take a policy of this type of person
Regretfully, policy is not possible for him
Ap ne mera baat samajh nehi paye. Me care health insurance liya hu. Policy certificate mei Ek jaga likha hai has any health policy been rejected or cancelled?. This potion is answered NO. jabke mei star health mai ekbaar try kor chuka hoon. Oh mera application reject kor diya tha sufficient document represent na korne ke vase se. Par care mei sabhii document submit kor diya. Mera policy issue ho geya. Near future mei is vase se claim reject ho sakta hai keya?
It's better to inform to new insurance company beforehand to avoid any claim rejection. You can mail them or inform your insurance agent.
Contact the customer care as we are not sure about the Terms & Conditions of all the companies.
Mam niva bupa se konse company me port karu pls reply
HDFC ERGO health insurance also offers great plans. But do your due diligence before buying any health insurance plan.
Maam mere pass hdfc group health insurance hai kya group policy port ho sakti hai
Hdfc se app port keu karwana chate ho
madam
Me star health se tata aig me port karna chahta hu,
Star policy customer ke mushkil wakt problem Or badha dete he,
Aapka suggestion chahiye,
You can port if the new plan meets your requirements. If you want any assistance in choosing a suitable plan, connect with us on WhatsApp/Call at 9650706699.
Our team can assist you.
Port karne ka continue benifits mila he kese check kare ?
Policy document me mention hota hai
Ma'am i took policy from policy bazaar, now i want to change my policy from online to offline. Is it possible to do. Please tell me ma'am.
no, you can either port or just buy a fresh policy
Mam aapka hath jod kar thanks karta hu 😊
Aapne mere 2 query
Ka answer diya video bahut acha se explain Kiya
Aapka dil se thanks 🙏👍😊
Mam
No claim Bonous bhi carry forward hoga ya nhi...???
No claim bonus is not carried forward, however, continuity for NCB is carried forward if you opt for higher sum assured.
For eg- Old policy - 5 lacs, NCB 5 lacs, you are paying premium for 5 lacs here
New policy - 10 lacs - you will get continuity for 10 lacs ( 5 base+ 5 NCB) , you will have to pay premium for 10 lacs
Kya police port karani ka OTP ata hai
Tikku Ma'am
Can I port from universal sompo to Aditya Birla?
We have completed 4 years of time period in universal sompo
You can port to any health insurance company. Please check the terms & conditions of your existing insurance policy once.
Thank you
Good information mam thankuI mam one small suggestion while speaking ur speaking is so fast w speak little bit slow thank u.
Glad that you found the video informative. Also, Thank you for the feedback !
Mam kya group policy port ho sakti hai
Ha ho sakhtha hai