TOP Health Insurance *MISTAKES* to Avoid 😱 | Don't Buy Health Insurance | Gurleen Kaur Tikku
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- Опубліковано 11 лип 2024
- Navigating the complexities of health insurance can be daunting, and people often end up making wrong choices that prove costly in the long run.
In this video, we have shared the Top Health Insurance Mistakes that one does while buying Health Insurance for themselves or the family.
This is mainly to ensure that people have the best coverage and avoid unnecessary financial burdens.
WATCH THE VIDEO FOR MORE DETAILS : -
✅ 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
0:47 Replicating Someone's Health Insurance Policy
2:07 Under Insurance
3:24 Hiding Pre-Existing Conditions
5:38 Waiting Periods & Exclusions
8:02 Not Checking the Proposal Form
8:50 Health Insurance Policy Without Capping
9:30 Conclusion
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#healthinsurance #healthinsurance2024 #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
Your channel is best on health insurance topics
Thanks a lot for ur informative videos helping us take proper decisions. I have a query which if resolved will be of great help in getting my decision materialised . I want to know which will be better- buying a policy from an intermediary like policy bazar or any other agent or buying it direct from the insuring company . Will one get any sort of additional support & advantage if one takes a policy from intermediary like policy bazar?
Gurnleen, what all we need to tell in pre-existing condition?
Does it also include if i ever had fever, covid, gastritis, Postrate issue etc ?
Ma'am abhi cashless anywhere aaya hai. Aur meri basic cover alag company se hai aur super top up alag company se hai to is situation me mujhe super top up me bhi cashless milega ya nahi, aur milega to kaise , Is k upar ek video banaiye it's very important matter
Max. Sum assured will have a heavy cut on pocket after 10-15 years ,to reduce it later it's better to take as per your eco condition to survive later years.
Another good thing is Premium will increase as per inflation not sum assured.
Mam, do Nova Bupa reimburse hospitalisation expenses in Reimbursement claim which was not claimed earlier in Cashless claim availed
Mam TATA aig ke bhi product ki details videos banayiye
HDFC optima secure is pricey but the most reliable one.
Chor company hai.....New India Assurance is the best
Thanks
Mam health insurance agent banne se kya-kya benefit hai? Please 🙏
I like the topic...
Thank you jee, keep watching 😊
Please guide us on terms insurance also
Hello Mam, can you advise for 31 year old couple staying in UAE should take niva bupa health reassure for 1 cr titanium+ as we might need a sound insurance policy near our retirement and moving back to India. Considering both parents has history of cancer post age of 55 years.
You can Go for the Niva Bupa reassure 2. 0
THANK You So Much
KEEP WATCHING 😊
Thankyou soo much 🙏🙏
Keep Watching !
Mam HDFC ergo ki ican insurance policy par video banaye.
Thanks for the video suggestion, we will try to bring up a video soon 😊
Madam Namasthe, resident small city, required Health family pack, age 35, 30, 07. Advice pl.
Great Gurleen
Thank you jee, keep watching !
Hi great video. Can you please also review SBI super health insurance
Thank you jee, keep watching !
Yes, we will bring up a video soon .
Gurleen Kaur Tikku talks about the common mistakes people make when buying health insurance. She starts by pointing out that despite India's large population, only 37% have health insurance. Gurleen, a certified financial planner with almost two decades of experience in the insurance industry, believes it's crucial to avoid certain pitfalls when choosing a policy.
She stresses the importance of not blindly following others' choices. Just because a friend or family member has a particular policy doesn't mean it's the right one for you. Gurleen emphasizes the need to assess your own needs and requirements carefully.
Another key point she makes is about understanding the features of different policies. It's not enough to just pick one randomly; you need to know what you're getting and whether it matches your needs. For example, she talks about how some couples opt for maternity coverage even if they don't need it, just because their friends did.
Gurleen also warns against underestimating your coverage needs. Many people think a certain amount will be enough, but they forget about inflation and rising healthcare costs. It's essential to regularly reassess your coverage to ensure it's adequate.
Lastly, she touches on the importance of knowing about portability when switching between insurance providers. This ensures there are no gaps in coverage during the transition.
Overall, Gurleen's insights highlight the importance of making informed decisions when it comes to health insurance. By avoiding these common mistakes, you can better protect your health and finances. However, for a deeper understanding, it's best to watch the entire video.
Thanks u maim
madam tell me any such insurance, everything is converged, the premium will have to be paid more, but the benefit should be obtained. i m already confused
Hello jee, it depends on your requirements & medical history.
If you want any assistance in choosing a suitable plan, connect with us on WhatsApp/Call at 9650706699. Our team can assist you 😊
One query,
If i took health insurance for family and assume premium is 50K and this premium will vary every year ? As age grows?
Yes, it can increase as per age and health inflation
Dental insurance kahan covered ha??
Mam kya pnb metlife star group health insurance policy kasi hai meri umra 73,wife 68
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.
मैडम एनुअल हेल्थ चेकअप की रिपोर्ट कंपनी से शेयर करनी चाहिए या नहीं जो कंपनी द्वारा ही दिया जाता है
Madam Namaste, Apka Online or Offline koi training hai to details digiye, hum attend karna chahta hai
Gurleen ji mare policy nibha Bupa reasure hai 5 lc sum insure
Main reasure 2.0 main upgrade ker sakta hoon ?
COVID ke time Li thi policy
Yes, you can upgrade and it will be done as per underwriting guidelines
@@GurleenKaurTikku
Koi nuksaan toh nahi .or wating period dobara toh nahi lagega
10:28 You are giving very useful information, but if you talk in English it will be very useful to all the Listeners.
Got it, Thanks a lot for your feedback.
SSA Mam, earlier i have Manipal Cigna Pro health now i upgraded my policy with Manipal Cigna Lifetime health with 50 lakh sum assured. I have never take any claim in my last 7 Years. Hopefully my all the decease will be covered in my policy.
Please share your views. How's my Policy and will i be covered for all the deceased except exclusions mentioned by policy.
Not good policy
@@smartyharsh0905 i already got the reply from Gurleen Mam and she suggested as a Good Policy so please Keep you Gyan with you.
@@BALVINDER-Singh you will know it soon. People like you deserve bad advice only. Get lost now.
Future janarali company ki health absolute policy per vidio banao. Maam
sure, Thank you for the video suggestion.
We will try to bring up a video soon😊
@@GurleenKaurTikku thankyou
First view ❤ I have seen all video of yours
Thank you so much jee 😀 KEEP WATCHING 😊
Hello mam, a long time ago I had an accident in which I got injured and I got myself treated for that, but now again I have started having pain in my head and neck.
And now I want to get my treatment done by taking medical insurance, so which medical insurance should I take so that I can get treatment including MRI and CT SCAN.
Plz guide me ma'am.my age 30years।
Please buy insurance policy after disclosing old accident history
Mam Niva bhupa reassure 2.0 ke bare mein video banaen.
And Policybazaar se policy Lena sahi hai ya nahin?
Buy through agent
I bought same policy from policy bazaar and they helped me a lot
Buy through agent
ua-cam.com/video/44gZgVa9p1w/v-deo.html Detailed video on Niva Bupa Reassure 2.0
Buy only from policybazaar... Best in the market
very good Info..
Glad it was helpful, keep watching !
Mam acko health insurance pr bhi video banaye. Iss company se health insurance krwana chahiye ya nhi
We already have a few videos where we have shared the details but we don't have any first hand experience in the same. So, can't exactly comment on the services.
Please do your due diligence before buying the policy.
Niva Bupa ki claim settlement ki procedure share kijiye...Maine suna hai bahut slow hai....aur ajent kya kya madat kar sakta hai.. police claim settlement me
Maim v. Nice. Maim pratically Policy term padh ke meaning bata de to khoob samajh me ayega.
Thank you jee, keep watching !
Hello Madam, what is your opinion on Aditya Birla Active One Nxt for someone who is having hypertension in 40s age. Aditya birla is relatively new, so is it reliable, I liked the policy but but afraid of its claim process.
Hello jee, we have our detailed review video available on the same. Please check the link : ua-cam.com/video/4LTtX0is2GE/v-deo.htmlsi=zQZMiB-fminm9f2d
Top up and super top up policies pe please video banaye. 🙏
jee, thank you for the video suggestion.
We will try to bring up a video soon.
Mam I am 51 year and my wife is 47 I am owning hdfc ergo optima restore policy of sum assured ten lakh since 3 years and I have not taken any claim , should I migrate in hdfc optima secure of should I continue with hdfc optima restore, please suggest me. Thanks
Optima secure
Can anyone suggest me which is best NivaBhupa reassure 2.0 or HDFC Optima?
@@kingamitin go for hdfc or icici if u want smooth claim
Consider migration to Optima secure for better features
Hello mam mery knee surgery huye hai kya yeh baat insurance company ko batana jarory hai ?
India ka top one health insurance plan kon sa hai
Mam Mera reasure plan liya hua hai
Aspire me port ho sakta hai
Pehle claim liya hua hai tified ka baby ka
Port to hdfc ergo
Currently Aspire me migrate nahin ho payega
1. How can individuals determine their specific health insurance needs?
2. What are the key features or benefits to look for in a health insurance policy?
work appreciated..need to know what possible questions the insurer can ask me if I have to increase my sum insured or disclosure for any new ailments contacted at the time of subsequent renewal consideration my pre existing clause is superseded ..thank you for spreading your valuable knowledge
You have to disclose all the material information which is past medical history, regular medication, hospitalisation if any
Ajent zut bol kar policy bechte hai...unpar case kar sakte hai kya
इंश्योरेंस कंपनियां पॉलिसी पेपर हिंदी में देती है कृपया बताएं 🙏
mam only opd ke opar ek videos banaye
Sure, we will try to bring up a video soon 😊
OPD aur day care par detail se samjhe
Should I opt 25k deductible or not
No
Yes, a smalll deductible is a good idea to opt. DEtailed video on deductible for your reference - ua-cam.com/video/7E-Rfd7kdMo/v-deo.html
I want port my policy of TATA AIG PREMIER TO top one health insurance plan premium no matter but I want top one plan my date 8 August 2024
Jis company ya plan par ajent ko jyada commission milta hai...vohi policy ajent betchte hai
National Insurance Best Mediclaim Policy.
Hello sis
Seeta ram ji
Buy heath insurance from the agent near your home don't buy from policy bazar or any other UA-camr it gives problem at the time of claim
Super golden words
Right
जय भद्रचारू
जय श्री कृष्ण
SSA Mam,
You promised me on make the updated video on the below link 7 months back. I am still waiting there you have not responded to my question- ye Breast cancer, cervical Cancer screening, oarian cancer screening and all policy mein cover nahi hai ? Ye wirf rider lene par he cover honge?
respond?ua-cam.com/video/mpXW17x2a8s/v-deo.html
Govt. Insurance company has no hidden features
Madam Apki co. Ka email / gmail id batye please .
Hello jee, we are available on WhatsApp/Call at 9650706699. Our team can assist you 😊
Hello jee, we are available on WhatsApp/Call at 9650706699. Our team can assist you 😊