HIDDEN FACTS About Health Insurance 😱 | Health Insurance in India *IMPORTANT* | Gurleen Kaur Tikku
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- Опубліковано 1 сер 2024
- Health Insurance protects your savings from getting ruined in case of a serious health condition leading to hospitalisation during policy period.
In this video, we have discussed about various Hidden Facts in a Health Insurance Policy which people often miss out on & are yet very important for everyone to know before buying a plan.
WATCH THE VIDEO FOR MORE DETAILS :)
✅ To buy insurance policies, click here - hareepatti.com/contact-us/
✅ Top 4 Health Insurance Plans with NO AGE LIMIT : • Top 4 Health Insurance...
✅ Corporate Health Insurance VS Individual Health Insurance : • Corporate Health Insur...
✅ Top 5 MATERNITY Health Insurance Plans of 2023 : • Top 5 MATERNITY Health...
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For any queries:
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📞 Call : 9650706699
💌 Mail us at: info@hareepatti.com
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✅ TIME STAMPS :-
0:00 Introduction
0:42 Age Limit in Health Insurance
1:40 Cashless Claim & Reimbursement Claim
2:41 Day Care Hospitalisation
3:37 AYUSH Hospitalisation in Health Insurance
4:10 Maternity Benefit in Health Insurance
5:35 Pre Existing Disease in Health Insurance
7:09 Cashless Claim Process in Health Insurance
8:22 Refill Benefit in Health Insurance
8:49 Waiting Period in Health Insurance
10:54 Conclusion
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#healthinsurance #besthealthinsurance #gurleenkaurtikku
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 17 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised. - Фільми й анімація
Very informative .. thank you
Glad it was helpful, keep watching !
Do they contain co pays if yes how much percentage? And how do we identify this in an online search.
Thanks madam for ur valuable information 🎉
Thanks, keep watching !!
आपका समझाने का तरीका बहुत ही अच्छा है बहुत ही सरल शब्दों में समझाते हो।
Thank you so much jee, keep watching & do Subscribe for more such informative content. 😊
Hi Madam,
My age is 33 years now.
I had ellipsis when I was 16 years old. That time I had 3 consecutive attacks. . since then no attacks till now.
I was under treatment for 3 years for that .
Do I need to mention this?
I don't have any document for it
Man your videos are very helpful every time you shared very good information that is so helpful to understand t&c of insurance.
I have faced some situation in claim settlement with Niva Bupa and I have some issue.
So I would like like to share some points from my side.
for second point : what to do when person rely on insurance only and dont have cash ,
people buying insurance because at time of emergency they can get benefit out of it.
But at claim time denial of cashless then what does it mean to buy insurance.
if person have sufficient money then they can pay but person dont have money then person has to suffer ?
even I have faced same.
and Mostly in super top up polices , at time of policy purchase insurance company promise big but at claim time they show real face
and deny for cashless and ask for reimbursement for costly treatment then how person bear cost of treatment.
I suggest not to buy super top up , and dont just rely on insurance , better at age of 25-40 invest money and build medical corpus.
save insurance premium by relying on corporate insurance , because in 25-40 year age less chance of getting ill.
Even maternity benefit cover under corporate from first day , even PED diseases cover from first day which is very tricky where most claims got rejected.
Corporate polices are best till 40 year of age which provided by employer.
For seventh point : I feel dont get trapped under in house claim settlement process point.
Because Ex: Niva Bupa claim they have in house claim settlement process but this is gimmick for reimbursement claim they hire third party investigators to settle claim.
very useful info!!
Glad it was helpful, keep watching !
Thanks for doing informative videos always easy to understand thanks.
Can u do a video on top maternity insurance plans with low waiting period and maximum benefit
thanks in advance
Thank you so much , You can check this video for more details : ua-cam.com/video/HUueuYA6wxE/v-deo.html
Ma'am knee replacement and other issues ke liye bhi phle inform Krna chaiye agr police last 3-4 years se running hain to?
good information
Thanks, keep watching !
Superb video
Thank you so much 😀
Mam Mere mother ka cashless policy hai recently main mother Ka eye surgery Karve hospital mein deposit amount Manga vah amount settlement ke bad Mein milega
Mam Good information!
Any slow growing disease diagnosis for the first time (genuinely ) in the waiting period time whether it is considered as pre-existing disease or how?
And whether any further hospitalization or treatment cost would be covered for said disease post completion of the waiting period or not?
Or it is never covered !!
Please advise.
If it was not pre-existing at the time of buying the policy, then it is not PED and will be treated as Specified exclusions and will come under waiting period of 2 years
Hello mam mai jana Chati hu ki niva pupa heath insurance mai second opinion ke bhar mai please Bata do
Pls provide a health insurance which support only this "OPD + All kind of Diagnostic Test Max of 50K Yearly + All Kind Blood Test Max of 50K per year + All kind of subscribe Monthly medicine" I need a floater plan for 2 Adult 1 Child. Also I need another floater plan for 2 senior citizens age range from 80 and 75 with same above case Max of 50K per year
2012 se mera HEPATITIS C ka card test positive AA Raha hai,, lekin fully hepatitis c nahi huya.... Tab doctor ne kaha tha ke tumaara case 10 hjaar mein se ek hai jiska card test positive aata hai lekin,, RNA negative aata hai,,
Thanks
Thank you, keep watching !
March mein claim reimbursement documents submit gaye the TPA wale bol rahe hain 3 mahine ke bad video provide karao hospital mein admit hone ki Kya yah vi rules hote hain kya mam
Mam kya Employer health insurance me individual ke according kuch better add ons hote h..?? Please ho sake to ispr ek detail video dijiye.. 🙏
Okay, but we always will suggest to buy an individual policy as well apart from Corporate Health Insurance.
Please check this video : ua-cam.com/video/d7M9SnwnPQA/v-deo.html
Keep Watching !
Hello Mam
Good Evening !
Please make a Video on "Acko Health Insurance Platinum Plan" which says No Waiting for Every Pre Existing Disease too without any Copay etc.
It's already available on our channel. Please check this link : ua-cam.com/video/bMRNN2JyyQs/v-deo.html
Keep Watching !!
@@GurleenKaurTikku Thank you Mam. Watched it just now.
Only concern is, this policy looks Way Too Much Good in everything which is really Doubtful.
They even mentioned Zero Waiting for any Pre Existing Diseases.
How come is it possible whereas almost every other insurance company has restriction of atleast 2-3 years for Preexisting.
Can I go ahead for this Plan after mentioning my Parents Pre Existing Disease.
Will they Clear the claim for any Planned Surgery within a year of buying a Policy?
Maam mujhe family floater policy leni hai par samajh nahi aa raha kuch. How to contact you ?
Usually, ayush treatment is done on OPD basis and there is no need to get hospitalized. In that scenarios, how can we claim the bills ? Can we submit those OPD & pharmacy bills for reimbursement with treating doctor's prescription ?
AYUSH treatment is only covered on hospitalisation basis in most of the plans. So if you have taken any AYUSH treatment on OPD basis, you are most likely to not get amy claim from your insurer.
Is Lasik Covered in Optima Secure Policy
THANKS
Keep watching !
Nice work
Thank you, keep watching !
How to declare ped in running policy (3yrs)? How will it impact?
Please advise how to go about it?
Also i may have asthma based on various symptoms, but no records for it or any treatment or medications taken, how to take it up with health insurance?
If there was a PED that was not disclosed at the time of buying the policy, you can email post issuance declaration to the insurance company mid term with all the supporting documents
Mam, please advise any policy which cover CKD illness.
Okay, we will try to bring a video soon.
Keep Watching !
35ag suggest all point of view best policy in this
Hdfc optima secure ka premium me yearly kitna % increase hota hai
Doing great
Thanks a lot, keep watching !
Maan lijiye mere body mein ekta chota tumor hai ... Wo mereko malum nehi ...after taking the health insurance uska condition kharap hota hai ... After two years company ka claim dega ?? Aur wo kya suppression of facts mein ayega after three to four years ? Kindly answer mam
Agar meri policy 6 saal se kisi company se hai, aur ab main kisi aur company mein switch karna chaah Raha hoon, to kya ab fir se waiting period hoga.....,??????
Nehi hoga... countinue rahena chaiyeche and have any existing disease disclose it
Nice 👍👍👍👍👍👍
Thanks, keep watching !!
Exactly ma'am you are very true I am working in a institution where we have mediclaim insurance upto 7lac still I realize I should have a mediclaim policy for my family.
Please go through my issue ma'am now my mother age is 65 and I want a decent policy not for any capping or lucrative premium offers.
If suggest me because in this year 2023 she is at 65 fit and fine only two regular medication for bp and cholesterol. 7:43
Please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few options 😊
Sister,aap is par video bana dijiye na ki reassure 2.0 me jo ki hamara 5x se lekar 10x tak jaata hai ,usme agar hamne 10lakh ka health insurance liya hai aur 3 saal baad 30lakh ho chuka hai to kya ham 1st admit me 30 lakh one time me use kar sakte hain ,kyun ki abhi tak koi bhi is par videos nahi hai🙏
ua-cam.com/video/qfQmo8zjAaM/v-deo.html
Is video me hai yeh details, please check
Namaste madam, I am suffering from esrd(end stage renal disease) and age 40 yr. Hemodialysis going on which insurance ( product line) suitable for me, please guide me🙏
Hi, Please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you !
Mam star health & care health both are giving policies to Heart patients , why not others?
Don't know. Each company has it's own set of rules & regulations on the plans they offer.
मैं मैंने आदित्य बिरला का हेल्थ इंश्योरेंस ले रखा है भरत ट्रिक सर्जरी पहले से ही करा रखी है अभी अगर मैं रिवर्स सर्जरी कर आता हूं तो क्या वह मुझे कब्र में मिलेगी या नहीं
Tram insurance pe ek video banye mam kun kun tram insurance le sakta hai if we dnt have any sealry slip or we dnt have any itr so we can buy or not life tram insurance or not??
I think you mean term insurance & we will try to bring a video soon.
Pls suggest a policy for my family 44age no PED, wife 40age, little fat but no problem, daughter 11yrs. Pls suggest a policy.
Hello jee, please connect with us on WhatsApp/Call at 9650706699 .
Our team can assist you with a few suitable options depending on your requirements.
Ma'am i request you asking one preferred maked the Aditya Birla health insurance activ fit plan video
ua-cam.com/video/l_OXRlc8794/v-deo.html
Ma'am any insurance who cover who has chronic urticaria ?
Take homeopathy..check yr vit D level by a blood test..I am ok with these methods plus Ayurveda and I took lots of Vit C stopped powder soap to wash clothes..usd a liquid soap..for bath use pears or milk and besan for bath ... Also please take Aloevera to clean the bowels..do not stress..stress creates issues ..for stress take RESCUE remedies DROPS for removing stress ,it's available in homeopathy shops..for this information you have saved thousands of rupees..than me later.
Please discuss about PEDs what are the factors are there like existing medications and treatment only something I don't know about my self. Because full body checkup is not done by any insurance company.
Please watch below video on PEDs and waiting periods for clarification-
ua-cam.com/video/BoxCzX36dUc/v-deo.html
@@GurleenKaurTikku Thank you ma'am for your reply and supporting video is informative and clear my doubts.
Mam what investigation does insurance company does for amount like 15 or 20 lacs claim amount?? Please explain in detail 🙏
Jee, We will make a specific video on this topic as well.
Thank you !
Do i have to inform about history of cancer (now cancer free past 17y) before taking policy (now completely healthy,no comorbidities)
Yes, we need to inform
I am thinking on buying SBI LIFE E-SHIELD NEXT life insurance as it is a pure life insurance. Request you explain and compare with its market competitors.
You should not.
@@danishpandita6293 Why?
Sure, we will try to bring a video soon ! Thank you for the recommendation 😊
Madam can u please suggegst me best insurance plan for 10 lkh health cover
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few options.
Please post a video regarding parent health insurance
Okay, do you mean Health Insurance for senior citizens ?
Yes
@@GurleenKaurTikku no maam. Need understanding on choosing health insurance for parents (below 60 or above 60). What premium should be chosen. And what parameters should be considered.
Mam i have taken chemo in 1993 till now iam well grace of god iwant to to take health policy let me know ihave to say about chemo or not
You have to inform the insurance company before buying the insurance otherwise later there is a possibility that they can reject your claim in the future.
maam i have a health policy from aditya birla in my policy paper maternity option is marked as available but when i am calling customer care for any confirmation they denaying that we don't have that can u please help as i have taken a new maternity policy which is in free look if u can help i can get my money back
No one will help you, they will sell the policy for earning money
Mam I am 25 yrs want family health policy. Kindly suggest policy which covers upto 10 lack
Hello jee, please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you !
Gurleen ji mere pass Star health filmy optima plan Hai. 3 Saal se ab Muje offer migarte ka offer Hai star health comprehensive plan kya main Kar sakta hu.
We don't have any first hand experience with the brand yet, so can't comment on the services directly.
Mam TATA AIG Daily cash hospital plans pr video batao
Jee, thank you for the video suggestion.
We will try to bring up a video soon !
Keep watching !
Ma’am mere pass icici lombard ka policy hai 1 month pahle liya hun but abhi mere eyes me accident ke karan cornea transplant karne ko bol rahe hai kiya claim mil sakta hai
Please contact your insurance company, they will verify and update you
Very Important
Thank you so much , keep watching !
@@GurleenKaurTikku Ymw ma'am.
Meri wife ko type 1 diabetes hai,Madam mene abhi star health insurance se HDFC ERGO energy plan me port kiya hai, madam kya HDFC ka ye energy plan thik hai kya.
jee, it's a great plan. 👍
@@GurleenKaurTikku thanks 🙏
mam aaj meri age 30 hai jab mai 13 sal ka tha to mere pet pe pus ho gya jiska opration karana pada pet par opration ke nisan hai ab mere andar koi bimari nahi kya mai helth insurance kara sakta hu
Yes, le sakte hai health insurance just make sure to inform the insurance company before buying the policy !
Mam please tell me how to contact with nivabupa health insurance. RM is not responding and toll-free not responding and chat service is not working.
rules.nivabupa.com/customer-service/
You may post your service requests from here
Kya pre existing wale ko apni wife & bache ka & Self ka alag-2 Health insurance lena chahye?
For any health insurance queries, connect with us pn WhatsApp/Call at 9650706699.
Thank you !
PED discolsed Kab karna hoga, policy nikalte wakt, ya policy matured hone k bad.
Before buying any health insurance policy.
Mam dental treatment and teeth implants can be covered under mediclaim?
Please check your policy wording for the same.
Hota hai sir
Mam please make video on mutual fund
Jee, we have a few available on our channel already.
Keep Watching !
Are allergies considered as a pre-existing disease?
Yes, should be disclosed
Allergy from dust..
Is this considered a PED??
yes, should be mentioned
Do u charge for helping in policy buy.
No, please connect with us on WhatsApp/call at 9650706699.
Our team can assist you with a few suitable options.
Hi,
I'm looking for a comprehensive health insurance policy for my mother who is aged 62 years and I'm looking for a coverage of around Rs. 5 to 10 Lakhs. She doesn't have any major existing diseases except for Cataract & joint pains. I have come down to 3 plans viz. HDFC Ergo Optima Secure, Care Supreme & Niva Bupa ReAssure 2.0 .
Could you please suggest me which plan to go for ?
Thank you,
Abhilash S
Hi, You can either check our UA-cam Video on these plans & the comparisons as well.
or you can connect with us on WhatsApp/Call at 9650706699
Our team can assist you !
Thanks !
My native place is Kerala.I don't understand Hindi. It is better you may add more English in your conversations.
Acc to u which health insurance is best
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.
Madam I request you mam Manipal Cigna health insurance bhi add Karke video banaiye
Manipal fraud company hain. No reason claim denie karti hain
Okay jee, sure !
I am planing to take Niva Bhupa Reassure 2.0 for my family
10 lakhs + Top up 90 lakhs
My age 37 years
Premium 27000/-
I am having 4 lakhs Group Insurance from my employer.
Can I proceed or search for another policy
Kindly respond
It's a great option & you must have a separate policy. You can also connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few options available.
Thank you !
Mam ek question hai ki kya poliyo ka patient ko insurance mile Jata hai aur koee bhi internal disease nahi hai
You can apply and check, it will be decided by the underwriting team
Thank you mam
Mam drink karne se koi bimiri cover hoti he ya nahi ?
Depends on your insurance policy !
Mam care advantage 25 lach plz guide
Drink occasionally korne plz mention...and if u any disease for coz drink then reject it
Nice Maim
Thank you jee, keep watching !
Very informative but way talk equally rapid Metro
Thank you jee, keep watching ! 😊
👌⚘
Thank you so much jee, keep watching & do Subscribe for more such informative content. 😊
Mammy I want to buy Health insurance
Wich health insurance company is best
Hello jee, please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few suitable options depending on your requirements.
Thank you & keep watching !
If a waiting period for slow growing diseases are 1 year; then instantly after completing 1 year with the policy we can file a claim for it!?
yes, you can.
Please connect with the insurance company or your agent for more clarity.
Waiting period for slow growing diseases is typically 2 years in most plans. Yes, after this waiting period is over, you can raise a claim.
Hello Madam, My father is covered under Care Health Insurance from past 10 years. My father is suffering from mental illness (depression) from past 3 years. He is taking treatment from a government hospital and there has been no hospitalization ever. Can we still claim for yearly medicine bills without any hospitalization?
OPD bills can't be claimed in this case
Please explain it Bengali.iam from Bengal.
😢😢maam i apply hdfc ergo health insurace they are taking so much time to issue insurance almost 7 days gone pless help me😢😢
You can buy the policy through us , we can make the issuance process quicker & smoother.
For any queries, we are available on WhatsApp/Call at 9650706699.
Our team can assist you with a few suitable options 😊
नमस्ते मॅडम जी, मैने 2014 मे फॅमिली फ्लोटर हेल्थ इन्शुरन्स पॉलिसी ली थी, मेरी पत्नी को 2015 मे thyroid detect हूवा, उन की daily दवा चल रही है,आज तक उन्हे कोई तकलीफ नाही है, वाह दवा चालू हैं,
इस बीच मैने 2022 मे पॉलिसी पोर्ट कर ली हैं तो तब भी मैने diclose नाही किया,क्या अब renewal के वक्त बताना सही होगा?,
अगर पत्नी को आगे कोई प्रॉब्लेम आये तो क्लेम मीलेगा ना,?
कृपया सलाह दिजीये.
धन्यवाद.
You should inform new insurance company about Thyroid
@@GurleenKaurTikku thank you, very much.
ओर मॅडम जी , मेरी पत्नी का fistula ka operation 2019 मे किया था, ये सब बाते कंपनी ने पॉलिसी इश्यू करने से पहले फोन पर पूछ ली थी,पर पॉलिसी पर likha nahi.
Meri seniority 2014 se hai.
Hello Mam mene one week Pehle police le hai Niva Bupa 2.0 aapki video dekh ne ke bad but Niva Bupa ke review ache nahi hai google per I hope mera decision Thik hoga 😊
Mene aapni family ke liye le hai but aur Meri wife Ko PD hai or mene disclose bhi kiya hai Mam Niva Bupa ke bare me claim sentiment ke reviews ache nahi hai Mam
If you have disclosed all information properly and are aware of policy terms and conditions, then claims will not be an issue
Kotak life health insurance bathaiye
jee, thank you for the video suggestion !
My uncle is detected with diabetic and high blood pressure and has undergone DSA angiography to detect clot in brain in such scenarios is it advisable to take care supreme policy with instant civer rider will they cover any future need after 30 days ? Pls advice ur videos are of extremely great help
Galati se bhi Care ki policy mat lena.
Policy looks difficult with early coverage, still you can try and will be given as per underwriting guidelines
@@GurleenKaurTikku hello mam early coverage is not needed but need a policy which will cover this issues in future is that possible?
Hello mam as suggested by you I have contacted care health insurance and forwarded them discharge summary documents for PED I asked them do multiple times do I need to provide any other documents to which they replied that's enough and policy can be issued pls suggest is this how PED is listed for new policy
29 Age main kitna premium aayega mam plzz bataye😢
depends on the plan you opt for , medical history as well as your location. Please connect with our team on WhatsApp at 9650706699.
They can assist you !
niva bupa ressure 2.0 unlimited restoration opinion ha but client ka 1 crore claim aye tu company approved
1. If v have to apply for reimbursement then wt is the use of “cashless claim “
N Gurleen ji … Y r u biased abt Niva bhupa ( too much favour) .
No, not at all biased.
We only review plans on what is mostly requested by our audience.
I want to buy critical illness insurance
Hi, Please connect with us on WhatsApp/Call at 9650706699.Our team can assist you !
🙏mam i need your assistance
Please share your query.
I need insurance advice
@@kundan8140 hi I m IRDA certificate health insurance expert if you have any query regarding health insurance policy you can ask me as well
@@pradeepshekhawat9396 sir, Betwin Care supreme and Niva Bupa reassure, which one is best?
@@Piku..... niva
Madam niva Bupa kaisi co hai
Good 👍 Always buy a suitable plan according to your medical history.
(READ EXCLUSIONS & WAITING PERIODS)
Going too fast
You can slower the video speed, but thank you for the feedback !
ਜਿਨਾਂ ਹੋ ਸਾਕੇ ਇੰਗਲਿਸ਼ ਨਾ ਬੋਲਿਆਂ ਕਰੋ ਕਈ ਗੱਲਾਂ ਸਮਝ ਨਹੀਂ ਆਉਂਦੀ
Mam,just a bit of advice from a teacher....go a bit slow while u talk.
Humans take a bit of time to absorb
Sure jee, Feedback taken
Lumbar spondylosis ped me ayega ya slow growing me...?? Mam plz reply 🙏😭
Agar pehle se hai toh PED me aayega
Today we were looking for a plan for my sister..we don't want to deal with no human only machine.. Some one called..he spoke of Care . I googled..there was a number we called...the lady says send mr z cheques..we said no we need an office to see if you are authentic, we were told to call the toll free number for customer care ..we did..the man said I won't shsre our office address i mean he's in customer care..i began to Google..saw reviews ..All horrible review s....looks like all these companies want is yr money..ill say buy a good mutual fund and sell it when in need cash..weirdos all of them...
Madam aap se ho
???