HDFC is a general insurance company which provides different types of products like motor, travel property insurances which will have less chance of complaints.. So the total average of complaint percentage reduce...Care is a standalone health insurance company which sell only health products.. So comparing these two volume of complaints is not justified.. Compare it with hdfc health insurance products volume of compliant only
Great video. But I kneep hearing only about HDFC and CARE from ditto. I would like to hear about Ditto's perspecitve about ICICI and TATA AIG and why not speak about their best plans as well
I ported two of my health policies, parent's and mine from Care Health to HDFC Ergo.. I was really confused because Care Health had an excellent plan with no sub-limits and half the premium cost but wasn't sure of their reputation. This video cleared that up for me. Peace of mind especially during hospitalization is way too important for me than double premium cost.
Hey Ditto team, I see that there's no Domiciliary facility mentioned in HDFC Ergo Optima Secure screen on Ditto website. However, when I switch to a screen where I am trying to compare between Care Supreme and HDFC Ergo Optima Secure, it was mentioned both of these have Domiciliary covered. I am confused now whether the HDFC Ergo Optima Secure has Domiciliary coverage or not ? Could you please confirm.
You have missed major point here. Care Supreme has limitation, you can take treatment only in Zone of your postal address, company will not pay if claim is in other zone. Example: I am residing in Bangalore, my address is Bangalore. In case I had to take treatment in Mumbai or Delhi, that will be considered as different zone w.r.to Bangalore and CLAIM WILL BE REJECTED.
Care supreme age slabs are as follows: 18-35, 36-40, 41-45. Basically, the age slab is every 5 years and once you cross from one age slab to another you can expect a 15-30% increase in premium based on age and 10-15% every 2-3 years based on medical inflation. In HDFC, it increases on a yearly basis which is 2-4%, every year based on age. Medical inflation is the same
What a great video. Great research. great way to market the company with great point of free consultation without spamming. This girl is an engineer. Engineer in marketing. Engineer can rock and roll in any field😂😂
Is the low complaint for hdfc due tonit being a general insurer? Isn't it unfair to compare both? Is there data available for hdfc health insurance separately.
Hey! Yes, we have mentioned in a few videos that HDFC being a general insurer can play a role in their low complaint volume. However, we do not have any health-specific data available for them.
Nobody tells bout how many years we need to pay for optional benefit if i choose PED reduce to 1year(should we pay eztra for 1 year ped or for default 4 years ped or lifetime) & if i choose cumulative bonus super (should we pay upto 5years or lifetime). Your reply is appreciatable
Hi, To answer your queries: 1. During a new policy purchase, if we choose to reduce the PED (Pre-existing disease) waiting period by opting for the rider, we need to pay the rider premium for 4 years and then discontinue the same. However, in case of porting, it will vary based on existing coverage amount and Sum Insured opted in new plan. 2. For Cumulative Bonus Super, we need to pay the premium every year and opt for the rider as long as we wish to have the benefits from the rider. If we discontinue (stop paying premium for the rider), then all the accumulated benefits will be lost. Also, please note that for some age groups (like eldest insured member's age75), this add-on is mandatory.
Care supreme plan is good.. But as a customer i dont suggest it to anyone because Care customer care service is very poor. They will never give reply to our emails and enquires. Also there is only option to speak to sales officers..Their only aim is to sell policy. I used Star health before porting to Care.. Star healths service is much better than Care.. Customer support is very good in Star and they will get touch with us when needed.. So iam fedup with Care now and iam planning to Port to HDFC ERGO next year..
Before you take the decision, maybe we can help you understanding specific problems with your current policy. Book a call with us: bit.ly/3TjMsBQ And yeah, we don't charge a single rupee for this..
Very good mam..I am 56yrs now ..company is hvng group health insurance ..but I would like to make own one now..latter add to my spouse and children which one is better cover be 5 lacs ..cheap and best one pls recommend..bit urgent..no pre existing illness and health issues. But want to do it now..becoz this month end age will become 57 before that I would like to do it.thank you very much
Hey! These plans have a freelook period within which if you cancel, premiums get refunded. After this period, cancellation will incur charges. Both Care Supreme & Optima Secure have a freelook period of 15 days.
That's what policy wordings and prospectus do not mention anything about. HDFC ergo online sales executive simply confirms orally that it's covered but awaiting their email reply since a month even after continuous follow up. The same is with mental illness cover.
As per IRDAI notification all insurers have to cover all the modern treatment including robotic surgeries. So irrespective of plan it will be covered. Also they haven't mentioned any limit so it should be covered up to SI
Hey! Entry age up to 65 means that you cannot get a new plan after you turn 66. However, if you've already purchased a plan before you're 65, you can renew your plan lifelong.
Hi madam recently changed from hdfc ergo to care supreme for my mother.She hospitalized & diagnosed with asthma,lung infection.Care saying bp ,diabetes ,asthma you don't mention while portability.But pre existing diseases like bp,breathleness,asthma shortage of oxygen started from covid.Why they are denying these diseases
Totally biased video favoring HDFC .... Profitability at ICR of 81% ...the COR would jump up to 100%. Much higher than that of Care... This will lead to increase in premiums inevitably.
CARE mean careless please avoid ...there customer care is worst one...no one care about you...even you mail them they sucks...this was may third year with care
There is no app or contact number of Ditto...they will only contact with you if you go to their website that too after one week...😂😂... anybody who will be in hospital will have to wait for a week to speak to Ditto.... Darshan bade kaam chote...
Hi You can find the claims section here. It’s on the main tab. joinditto.in/claims-assistance/. Existing customers can also reach out to the number listed on the website 08048816818. You can call this right now and somebody will answer. It’s a 24/7 line. The wait time you quoted is only for new consultations. All existing customers and claims are handled instantly.
HDFC is a general insurance company which provides different types of products like motor, travel property insurances which will have less chance of complaints.. So the total average of complaint percentage reduce...Care is a standalone health insurance company which sell only health products.. So comparing these two volume of complaints is not justified.. Compare it with hdfc health insurance products volume of compliant only
Makes sense
But if all services under 7% still tremendous hdfc ka bank jaisa he h kam npa safe bank care like bandhan bank adventure hain baba😂
It is just comparing apple with orange apple is care and orange is hdfc
But I think when they calculate hopefully they consider only health insurance complaints.
Its on every 10000 complaints mde to IRDAI, so in any case people are making lesser complaints.....
What about reasonable and customary clouse apply in care
Pls clear
Great video. But I kneep hearing only about HDFC and CARE from ditto. I would like to hear about Ditto's perspecitve about ICICI and TATA AIG and why not speak about their best plans as well
Yes, we're on it
Huge Help. Thanks a ton Kavya. After hours of research, This is the only video that answers all of my questions.
Hey! Glad we could help.
So which one are you
going to buy?
I ported two of my health policies, parent's and mine from Care Health to HDFC Ergo.. I was really confused because Care Health had an excellent plan with no sub-limits and half the premium cost but wasn't sure of their reputation. This video cleared that up for me. Peace of mind especially during hospitalization is way too important for me than double premium cost.
Dont you guys have ditto mobile app?
Can you do one for senior citizens with sugar n bp?
We hear you. Video out soon. Stay tuned :)
make a video on ergo group opd plan
Could you please make a video specific on super top up plan and best plan
Noted. Will do! 🙌
Hey Ditto team, I see that there's no Domiciliary facility mentioned in HDFC Ergo Optima Secure screen on Ditto website. However, when I switch to a screen where I am trying to compare between Care Supreme and HDFC Ergo Optima Secure, it was mentioned both of these have Domiciliary covered. I am confused now whether the HDFC Ergo Optima Secure has Domiciliary coverage or not ? Could you please confirm.
Both plans cover domiciliary
Is it not risky to pay online premium, after payment there are chances of stopping communication, please reply, as there is heavy discount from ditto
What about godigit unlimited health plan?
Are premium are increase from june 1st or it is the company just making us scare to buy it fast
You have missed major point here. Care Supreme has limitation, you can take treatment only in Zone of your postal address, company will not pay if claim is in other zone. Example: I am residing in Bangalore, my address is Bangalore. In case I had to take treatment in Mumbai or Delhi, that will be considered as different zone w.r.to Bangalore and CLAIM WILL BE REJECTED.
L😊l😊
L😊l😊ll
Care supreme direct is PAN India
😮
Hi Ma'am, till what age bracket premium are same and if it is not same then yearly how much percentage premium increase in both companies?
Care supreme age slabs are as follows: 18-35, 36-40, 41-45. Basically, the age slab is every 5 years and once you cross from one age slab to another you can expect a 15-30% increase in premium based on age and 10-15% every 2-3 years based on medical inflation. In HDFC, it increases on a yearly basis which is 2-4%, every year based on age. Medical inflation is the same
Thanks for the detailed explanation. I guess I can continue with Optima Secure!
Thanks Don! Glad it helped..
I have optima secure too ! Will continue with it. Looks decent.
What a great video. Great research. great way to market the company with great point of free consultation without spamming. This girl is an engineer. Engineer in marketing. Engineer can rock and roll in any field😂😂
Is the low complaint for hdfc due tonit being a general insurer? Isn't it unfair to compare both? Is there data available for hdfc health insurance separately.
Hey! Yes, we have mentioned in a few videos that HDFC being a general insurer can play a role in their low complaint volume. However, we do not have any health-specific data available for them.
In hdfc restore is available for partial use
And in care pura sum assured use hone ke bad restore milta hai
Ye bhi bataye logo ko
Please make videos on "Manipal Cigna" and "Niva Bupa" Health Insurances as well.
We have covered Niva Bupa on our channel.
In hdfc double cover from day 1 so compare
Secure 5 lakh premium vs care 10 lakh premium
HDFC Optima secure is slightly expensive but brings peace of mind.
Nobody tells bout how many years we need to pay for optional benefit if i choose PED reduce to 1year(should we pay eztra for 1 year ped or for default 4 years ped or lifetime) & if i choose cumulative bonus super (should we pay upto 5years or lifetime).
Your reply is appreciatable
Hi,
To answer your queries:
1. During a new policy purchase, if we choose to reduce the PED (Pre-existing disease) waiting period by opting for the rider, we need to pay the rider premium for 4 years and then discontinue the same. However, in case of porting, it will vary based on existing coverage amount and Sum Insured opted in new plan.
2. For Cumulative Bonus Super, we need to pay the premium every year and opt for the rider as long as we wish to have the benefits from the rider. If we discontinue (stop paying premium for the rider), then all the accumulated benefits will be lost. Also, please note that for some age groups (like eldest insured member's age75), this add-on is mandatory.
The shirt colour is matching with best insurance company
Really helpful. Thank you Ditto team
Glad it was helpful!
Is Lasik surgery covered in Insurance. I am 26 years old. Power is -2.75.
Do eye exercises first before going for Lasik
Care supreme plan is good.. But as a customer i dont suggest it to anyone because Care customer care service is very poor. They will never give reply to our emails and enquires. Also there is only option to speak to sales officers..Their only aim is to sell policy.
I used Star health before porting to Care.. Star healths service is much better than Care.. Customer support is very good in Star and they will get touch with us when needed.. So iam fedup with Care now and iam planning to Port to HDFC ERGO next year..
Before you take the decision, maybe we can help you understanding specific problems with your current policy. Book a call with us: bit.ly/3TjMsBQ
And yeah, we don't charge a single rupee for this..
Hdfc ergo is same. Only mail mail mail
No one to speak to.
Every mail replied by someone else.
Which one is better I have care supreme..but my plan is Port to HDFC ergo pls suggest me..
Optima secure me 25k 50k 1lac.... Deduction me aacha discount offer ho raha hai
Care never approves your hospital claims and they try to find all possible ways to reject your claim.
Want a detailed comparison between HDFC ERGO Optima Secure vs Aditya Birla's newly launched Activ One Max
On it
Very good mam..I am 56yrs now ..company is hvng group health insurance ..but I would like to make own one now..latter add to my spouse and children which one is better cover be 5 lacs ..cheap and best one pls recommend..bit urgent..no pre existing illness and health issues. But want to do it now..becoz this month end age will become 57 before that I would like to do it.thank you very much
Hi there,
To get in touch with our expert advisors, please head to joinditto.in/ and book a spam-free, free-of-cost call with any of our advisors :)
Can we cancel policy after buy within 1 month
Hey! These plans have a freelook period within which if you cancel, premiums get refunded. After this period, cancellation will incur charges. Both Care Supreme & Optima Secure have a freelook period of 15 days.
should I declare RBBB as PED ?
Any ongoing medications , Diagnosis, Past hospitalisations or surgeries have to be declared during the application of health insurance
@@dittoinsurance But, insurance company is not accepting my policy
Is it true hdfc ergo optima secure doea not include robotic surgery?? Where as care does??
One of my agents says so. Please do let me know.
Thanks
That's what policy wordings and prospectus do not mention anything about. HDFC ergo online sales executive simply confirms orally that it's covered but awaiting their email reply since a month even after continuous follow up. The same is with mental illness cover.
As per IRDAI notification all insurers have to cover all the modern treatment including robotic surgeries. So irrespective of plan it will be covered. Also they haven't mentioned any limit so it should be covered up to SI
Hey! Both plans cover it
Under secure plan... Premium will increase 2% every year
What is age restriction here? HDFC secure doesn't cover after 65 years?
Hey! Entry age up to 65 means that you cannot get a new plan after you turn 66. However, if you've already purchased a plan before you're 65, you can renew your plan lifelong.
@@dittoinsuranceHi, so the cover extends upto what age? If a person gets hospitalized at 85 or
90 , can he claim?
There is no any age restriction for Optima Secure Plan from May 2024..
@@rambishwashpandit5654🤝😊
Is there any rider available in HDFC to reduce PED ?
No. Currently HDFC doesn't have any plans that do so.
Why you are not making video for Star health please make Star health video
whoever is paying good commission they only be covered by any policy brokers.
Star Health's csr is becoming bad to worse
Hi madam recently changed from hdfc ergo to care supreme for my mother.She hospitalized & diagnosed with asthma,lung infection.Care saying bp ,diabetes ,asthma you don't mention while portability.But pre existing diseases like bp,breathleness,asthma shortage of oxygen started from covid.Why they are denying these diseases
Hey, we would need more information of the case before we can help you out. If you'd like to reach out to us, here's the link- bit.ly/4787WoW
Will HDFC refuse to give health insurance for me after I reach 65 years?
HDFC Ergo has policies for people beyond the age of 65. However Optima Secure is only available to people who are between the ages of 18 and 65
@@dittoinsurance so, there is no lifelong renewal available right? Only till 65?
Totally biased video favoring HDFC .... Profitability at ICR of 81% ...the COR would jump up to 100%. Much higher than that of Care... This will lead to increase in premiums inevitably.
Could you elaborate on this?
Family floater nhi de raha 😢hdfc ab
Pls read policy wordings first
CARE mean careless please avoid ...there customer care is worst one...no one care about you...even you mail them they sucks...this was may third year with care
Claim settlement is good or bad in care ???
Aap hindi me samjhaaye ya english me mix mat karo kuchh samajh nahi aaya. Mujhe pata hi tum england se ho. Isliye sirf ek hi language ka prayog karo.
Learn English.
Wrong data...
???
Really
There is no app or contact number of Ditto...they will only contact with you if you go to their website that too after one week...😂😂... anybody who will be in hospital will have to wait for a week to speak to Ditto.... Darshan bade kaam chote...
Hi
You can find the claims section here. It’s on the main tab. joinditto.in/claims-assistance/. Existing customers can also reach out to the number listed on the website 08048816818. You can call this right now and somebody will answer. It’s a 24/7 line.
The wait time you quoted is only for new consultations. All existing customers and claims are handled instantly.
Wrong information
Means ?? Can u elaborate please
😮
Don't purchase care policy claim reject kerti he meri 10 year purani policy he so pl don't purchase chor company he