BANK Health Insurance VS PERSONAL Health Insurance | Which One is Better ? 🤔 | Gurleen Kaur Tikku
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- Опубліковано 24 лип 2024
- Banks also offer group health insurance to their account holders, borrowers, and depositors as per the bank's policy.
There are many private as well as public sector banks that offer group insurance plans to their account holders. But which one is the best for you ? Personal Individual Health Insurance or Health Insurance by Banks (BANK HEALTH INSURANCE)
✅ To buy insurance policies, click here - hareepatti.com/contact-us/
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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
0:49 Health Insurance from Banks
3:12 Advantages of Bank Health Insurance
4:11 Disadvantages of Bank Health Insurance
5:46 Bank Health Insurance Portability
6:41 No Riders in Bank Health Insurance
6:59 No Customer Support from Bank
7:28 My Opinion on Bank Health Policy
8:58 Conclusion
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#healthinsurane #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 18 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
Thank you. I was not even aware of this even though I was quiet well informed about insurance and investments :) . Much appreciate in sharing this with us and educating us around this topic :)
Glad that you found it informative , keep watching !!
बहोत सुंदर जाणकारी दि है आपने....
Content selection बोहोत बेस्ट रहता है..... बहोत धन्यवाद मॅम...
Thank you jee 🙂
Thank you so much 🙏 its a very thankfully information 👍👍👍
Thank you jee, keep watching !
Very informative video..... thankyou madam
Very very useful information. Thank you very much.
Glad it was helpful, keep watching !
Mam kya ek bank ki heath policy dusre bank ki health policy port karva sakte h ??
madam good topic & helped me very much thannx
glad, thank you so much ! Keep Watching !
Thank you ma'am it is very clear bank cost effective policies.
Thank you , we have shared both pros & cons.
People can choose as per their priority !
During policy period to terminate nhi krenge if i bought this in December agar 6 months baad tie up hat jata h to meri policy to valid rahegi na 1 year policy period tk
group se retail pe change ho jayega kya mam
Thank you mam for sharing the information.
Thank you jee, keep watching !
Maam bank after 5 year group policy ko other company me change kr deta h to kya wo hamari policy port mani jayegi ya new fresh policy mani jayegi jb ki policy port bank ne ki h other company ko
Kiya karu bank se care ka policy lu? Ya direct Care ki website se lu? Pls replay
Very useful information I like your videos...🙏
Thank you jee, keep watching 😊
मे खुद ekivtas स्मॉल faineass bank बँक heth पॉलिसी निकल कर फसा हू, HDFC Argo helth policy renewal nahi कर के दे रहा, kay kr Sakta hu Abhi?
Excellent explanation. Good job.
Glad it was helpful, keep watching !
Thanks for information about group health insurance. It has co pay also
Thank you jee, keep watching !
Recently i started to watch your videos...nice explanation any body can easily understand .......
Can you please explain about Non payable items (Deductables) in Annex I of List I , List II, List III, List IV still confused by the name of the list itself... If you can explain i think it will be help full to all other viewers or they will get some awareness about the Items not paid by the insurance.....
Thank you so much for finding our videos informative & also for the video suggestion.
We will definitely try to make a detailed video !
Keep watching !
One thing to be noted : health insurance is also not a long term contract between customer and insurance company even if the company can change your policy condition (irda approval needed) and premium also changes as per age and conditions. Even a person cannot buy health insurance for their whole life in a single premium like in life insurance person can buy policy for lifetime with single premium.
So please consider these points as well I suggest corporate policy from an employer is the best option before 55 years of age or you don't have any medical issues. And side by side create 5-10 lakh medical corpus.
Because in India health insurance claims are not settled properly even if you file a complaint with irdai it will not get resolved even bima bharosa cell also mentioned that they can guide the insurance company to settle claims but cannot order for claim decision so please make sure.
Thanks for sharing your Point of View 😊✅
@@GurleenKaurTikku Thank you, I have learn many things by watching your videos.
Please make videos on how to settle claim with insurance companies if insurance company reject claim and bimalokpal do not help customer .
Because insurance companies do not want approve claims within first 3 years of policy and try to give any waiting period reason and ask for reimbursement claim and harass customer with multiple verification third party verification etc.
Even I am facing this issue from last 2 year with Niva Bupa health insurance claim.
So who gonna help customer even Bimalokpal not helping . and even Bima bharosa cell is rely on insurance company's GRO.
Thanks in advance.
Thank you mam ICICI protect smart plan life cover plan insurance policy ki detail video bnao mam 👍 main aapke har video dekhte hu 👍😊
jee, Thanks for the suggestion
Coronic pancreatic me policy mil sakhti hai mam
Thank you, Madam. Beneficial information.
Glad it was helpful!
Thank you so much 🙏.
Ky ICICI LOMBARD HELTH SHIELD 360 LENA CHAHIYE.
23Y K AGE MAI ?
Hello jee, please connect with us on WhatsApp/Call at9650706699. Our team can assist you with a few suitable options !
Thank you 😊
Thanks mam for this very informative vedio..
Thanks a lot, keep watching !
Please post vedio on star opd new plan mam
Excellent and clear explanation
Glad it was helpful, keep watching !
Ma'am, please prepare a video for Oriental bank saathy policy and about it's features. ... Thanks
jee, Thank you for the video suggestion.
Keep Watching !
Hi mam..i have TATA AIG 360 group policy by Axis bank..june 28th 4 th year renewal done.i enquiry axis and also with Tata Aig ..that not supporting to chage to individual policy.where i can make complain...they said group policy cannot be port to individual(retail)...guide or post video to make complain ...
IRDA guidelines
bajaj finserv aditya birla insurance kesa hai meri mother ka kraya hai abi?
Ma'am mere papa ka cancer, diabetes hai aur age 63 yrs hai. I'm looking for health insurance for him. Can you please help me out with this if there are any companies who provide such facilities??
Mam, in HDFC optima secure whether they increase premium enormous or it's stable for the age slab? 5-6% would be ok. I am planning to shift from an existing health suraksha silver plan of 3L SA to optima secure with 5L SA.I am at 51. Existing premium shoot up direct from 15k to 25k with no restoration. Hence better to shift to the restoration plan of 5L instead of taking Top up to the existing plan. Premium will be nearly the same as if taken top up. However in secure restoration with lots of benefits. Please advise if any. Thanks!
It is 2-5% increase every year in HDFC secure every year
Hey aapne shift kr liya..? Premium Kitna h apka, and hdfc k claim me problem to nhi hoti
MAM ROYEL SUNDARAM KA LIFELIN POLICY KA AK DETAILS VIDEO BANAYE PLZ!
HDFC Argo helth policy fasa देती सिनीर सिटिझन लोगो को ?
Very perfect explanation. Please make video on corporate health insurance advantage and disadvantage. Because most people not have personal insurance. Thank you...
Thank you so much jee, we have a similar video on our channel . Please check this link : ua-cam.com/video/d7M9SnwnPQA/v-deo.html
Your eyes blinks very frequently. 😅
Thanks for sharing good information
Keep watching !
I have a doubt after watching your video. Can you tell me whether HDFC Ergo Optima secure can be considered as a personal policy (permanent policy) or that can also be not trusted and may change?
its trusted dont worry
Apparantly bank's tie up with insurance companies is mainly to add additional features in their services but bank is not at all involved at any stage to resolve any issue. The customer has to deal with the company. The insurance company is also interested in gathering premium with the goodwill of bank. The tie up must be deliberately for shorter period with sole intention of mopping premium. In such cases, the claim settlement is also low and denials at higher side. So better one should not go for bank's medical insurance.
Sharing a detail video that I did sometime back on bank vs retail policies
ua-cam.com/video/UsYq7nle1Z4/v-deo.htmlsi=jdfgtjV5JUhTkf2C
Very informative.
My query is if we port the policy does waiting free period lapse
With portability, the waiting periods are carried forward
I have a bank health policy, I can port it to a personal health policy then old policy's all the health insurance benefits will be carried forward.
So, you can migrate to policy with the same insurance company
Thank for great job
Thank you jee, keep watching !
thanks gurleen ji
Thanks for caption mam....
Keep watching for more such informative content !
@GurleenKaurTikku will I be able to port the policy to a different company after I switched from group policy to same company's personal policy?
Yes, you can port from a retail policy to another retail policy as per underwriting guidelines
What about ICICI Lombard Health Shield 360 provided by ICICI Bank for bank customers? The premium is around half of the premium offered from ICICI Health Advantedge policy. Please reply. I am totally confused
Following. Even I have the same question.
Pick from company not from bank
Icici health shield last year 10827 me liya tha ab 19880 bol rahe
Kitane ja sun insurer hai
@@jitendrajain5979 you mean renewal price increase hua?
हमने आर्यावर्त बैंक का दस लाख का हेल्थ इंश्योरेंस लिया है group 360 jiska प्रीमियम हमने 15400/ जमा किया है क्या ये सही है कल ही लिया हैं
Hi mam i need small information Hdfc bank offers same hdfc ergo plan customized policy and i want to take directly hdfc ergo insurance or bank through policy which is best choice please reply me as soon as possible
You can buy it directly with HDFC ERGO INSURANCE rather than opting from bank.
Otherwise, feel free to connect with us . We're experienced insurance agent (19+ years) . You can connect with us on WhatsApp/Call at 9650706699.
Thank you & keep watching !
I have taken a policy from SBI general insurance company Ltd, Arogya plus policy, but not group insurance, may I get any wrong?not understand,
please reply.
Waah….. amajing Hinglish 😂
Super information ❤
Thank you 🙂
Gv examples of bank insurance and retail?
Hello mam .. I have a question .Mera Group health insurance hai Bank ke taraf se ab mai wahi insurance company se Retail policy lunga ..phir next year kisi dusri company mai Port kar sakta hu na ?
jee, kar sakte hain
When can we use cumulative bonus in health insurance.while doing claim.
The cumulative bonus gets added to the sum assured in the subsequent years and can be used when required
Very Useful Madam
Thank you jee, keep watching !
Thank you 👍
keep watching jee !
For family ( 2A2K ) do you suggest
ICICI Health Shield 360 ??
.
Premium is around 14k ( For 2A2K )
Can you plz suggest ?
Hello jee, please connect with us on WhatsApp/Call at 9650706699 .
Our team can assist you
Hdfc ergo and icici Lombard is this came under bank policy ?plz reply
No
Mam mere parents ne bank of maharashtra k through policy li thi with united health india ab..tie up close ho gaya hain ...ab which policy should i take for them...will premium will b higher ?
Hello jee, Thank you for reaching out. For any queries regarding Health Insurance or any assistance , feel free to connect with us on WhatsApp/Call at 9650706699.
Hdfc ergo comes under bank policy or personal health insurance policy? Please share
Personal Health Insurance policy
Well described
Glad it was helpful!
Hi mam myself Hareendranath from Andhra Pradesh. Planning to change my existing star health policy to another. Please suggest me one good health insurance. Watched your videos but in dilemma.
Hi, Please connect with us on WhatsApp/Call at 9650706699
Our team can assist you with a few options suitable for you.
Ma'am I had complained on ombudsman,now they are giving my claim, how will the complaint be returned, please make a video on it
Jee, thank you for the video suggestion.
Thanks Mam for creating this great video. Today only i had visited my bank to check options again. I had bank policy from BOB and was active for few years. Later, insurance company ended tie up with bank. So i thought we will lose pre-existing coverage so did not take another policy from them. However, today bank and insurance company person said it will be continued with new insurance provider. This topic is not covered in your video so thought to check.
Could you please reply on comment on this case - if we have old group policy since last 5 years and waiting period (3 years) is over, now bank has new insurance provider and will continue with them. Will there be waiting period again or everything will be covered from day 1 ?
It can be ported out in new combination of bank and Insurance company.
Very informative video
I want to ask a question
Is epilepsy or seizures covered under any insurance
Is it a pre existing condition
What about Kotak health insurance?
Aditiya barlya policy is good or bad
Thx for video
Keep watching !
very nice explanation
Thanks a lot, keep watching !
Mam mai abhi icici health shield 360 ke bare me bata sakte hai kaya ye sahi hai, mai apna 1st health insurance le raha hun
Same Question
I have a corporate health insurance plan. After leaving the company, can I continue the plan? What are the options available to me?
You need to have an individual health insurance plan as well.
For any queries, connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few more suitable options !
Thank you & keep watching !
Thanks 👍
Keep watching !
Thanks 🙏
Keep watching !
Thank you
Keep Watching !
Ma’am ek icici ka shield 360 kaisa policy hai please answer
Kya e policy Lena chaiyye
Please answer
Ise port nhi kr skte kisi other insurance company me future me... Isi liye I am not planning to buy it
DUE TO THIS VIDEO, MY 1 CLIENT AGREED TO BUY
INDIVIDUAL POLICY, THANKS.
Good to know this 🙏
Porsonl policy me policy bazar se kharidi Hui policy aati h ki nahi
jee, that's a personal health insurance policy
Mare hip replacement hoya hai. to mey health insurance eligible ho?
DEPENDS ON YOUR HEALTH INSURANCE POLICY !
Madam,
I have a Health policy from bank now insurance company discontinue that policy, Shall I go for Marge this group policy with retail policy also please suggest after Marge can I avail port facility
You will be given option to migrate to the retail policy of same insurance company, aap kar sakte hain
Is Health Sheild 360 by ICICI Lombard is group Bank Policy??
Yes
Exactly 💯 Right
Thank you so much , keep watching !
Bandhan Bank has terminated contract with HDFC Ergo....If I convert into Retail health insurance, will the existing benefits like waiting period, bonus etc. be carried forward or not? Please clarify !
I have same question.
If you any new information plz let me know !.
You need to take retail policy with the same company. You can't port to a new company.
@@srinivasseesala8166
If i take retail policy of same company then what about my waiting period n all ?
Mere sawalon kaa jawab do... Do na..
It is possible to port.
some co are giving portability from group to retail
Which company, pl share
Mam which is the best insurance for senior parents over 76 years old and 69 years old. Without substantial waiting periods? Could you please help?
After crossing 65 years of age, the companies don't give new insurance. So likely not possible to get any.
Very informative videos, ma'am kindly suggest me health insurance policy company for 2A+2C, i am government servant in UP. Government gives us reimbursement for medical purposes but i want a backup plan for health issues in easy way through insurance policy.
Hdfc Ergo Health Insurance
Plz explain about normal policy through bank...
We will try to bring up a video soon, if you have any specific please comment !
Does this apply for HDFC and ICICI as well. Because they have their own insurance companies ?
Yes, bank policies are different than retail policies, applicable to all
@@GurleenKaurTikku Thanks
Ma'am, I was diagnosed with IBD Crohn's disease in 2022 (age 22 years), and have not taken any health policy, but now I am not able to buy a health policy, whenever I tell them that I have this disease. But one can fall ill, or due to an accident also get hospitalized, in this case, what shall one do, should I not disclose my pre-existing disease, or without disclosing serve the moratorium period, then raise claims after 8 years if anything happens, till then get treated on my own cost, etc. Please, help/guide or make a video for this type of case, (where, what one should do when the company is not giving insurance to any pre-existing disease, how they should buy the insurance). Thank You.
Sir
Are you able to take a Policy with the condition as stated.
@@narasimhanvenkataraman4419 no
Hello mam pls share new video for policy wording
Sure, Thanks for the video suggestion !
I have been cheated by icici bank. They increased the premium 3 times next year n i could closebbut they said they will only continue if i the proposer a bank account holder. But i could not continue for my kids so they are frauds as lackhs buy this policy n they cannot vlaim 4 a certainbtime nnxt year u have 1 quit
Au benk ka helth insurance kesa he ?
We always suggest to have an individual health insurance plan as well.
How to apply Day care procedure and list of day care
It depends on the insurance policy you choose.
Each company has it's own procedure.
Mam aap critical illness plan Ka comparison video banaiye
Manipal Cigna health insurance company Ka plan bhi add Karke banaiye please mam
Mam Mai aapki har ek video dekhta hoo
Hello jee, please check this video link : ua-cam.com/video/bp-h7FT0bpE/v-deo.html
Also, we have a few videos on Manipal Cigna as well on our channel 😊
Mam please ek life insurance k liye video upload kro
jee, sure 😊 Thank you for the video suggestion.
Keep watching !
Usually age limit is 65 for bank insurance?
It varies from policy to policy
Kindly suggest health insurance which Is best for my family me 31,wife28 son 1 year
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 😊
What you choose?
Hdfc Ergo Optima Secure
नमस्ते गुरलीन जी
मैं 62 और पत्नी 59 yrs दोनों retired हे। 6 साल से बैंक ऑफ महाराष्ट्र की ग्रुप पॉलिसी थी जो यूनाइटेड इंश्योरेंस ने बंध की। कोई दूसरी कंपनी पोर्ट except नही कर रही। क्या अब यूनाइटेड में माइग्रेशन करने पे हमारी PED का waiting period फिर से लागू होगा या 6 साल से प्रीमियम भर ने और noclaim की वजह से covered रहेगा ये guidance दे। धन्यवाद। वीडियो आपके अच्छे होते हे। God bless you
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you 😊
Thank you & keep watching !
Very nice
Thank you jee, keep watching !
Very nyc 👍
Thank you jee, keep watching !
बहुत-बहुत धन्यवाद मैडम आप इतनी मेहनत करके इतने अच्छे अच्छी जानकारी हमें देते हैं उसके लिए धन्यवाद मेरे रघुनाथ आपके पास सदैव कृपा करें
Thank you jee, keep watching 😊
Mam Axis Bank Ke Bupa Niva Ka health insurance compulsory hai bol kr krwa diya hai... Kya Axis me account khulwane se insurance lena jruri hai ya .... Mere ko jhut bol kr chipkaya gya hai
Chipkaya
Madam
१)अगर पॉलिसी लेणे से पहले कोई बिमारी हो तो वो कैसे declare करे?
और
२)पॉलिसी लेणे के बाद बिमरी हो जो वेटींग पिरेड मे आती हो तो क्या करे?
1) मेडिकल चैक अप report दे कर
2) अलग अलग कंपनी का अलग-अलग नियम हे 30 दिन से 4 साल हो सकता हे
30 दिन waiting का premium ज्यादा ही होगा
डिपेंड करता हे की पहले आपको क्या बीमारियां हे या थी।
I have a group 360 policy of care health insurance tie up with union bank of India. This is my 5th year of this policy. Till date I didn't claim.
If I go for care health Supreme policy as individuals policy, does waiting period exists or not? Because there are the same insurance company I want to switch.
Yes, it should be migrated, can check with Care health
Yadi hdfc egro ka plan h hdfc bank de rha h to
Group insurance