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Is HDFC Ergo Medisure Right For You? | Pros & Cons | Should you buy?
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- Опубліковано 22 бер 2024
- To know more or find the best health insurance plan for yourself & loved ones, talk to our advisors at Ditto Insurance: bit.ly/3VAzZuN
In this video, we will be discussing HDFC Ergo Medisure Super Top-up plan in detail- we will be discussing the pros & cons, features & premiums.
Stay tuned. Like, share & subscribe.
Happy Insurance Hunting!
Great video Ditto team. Can you please do a comparison video of all 3 mentioned Super Topups?
I did port my policy from NAVI to HDFC ERGO optima secure yesterday by the assistance of you guys. The advisor helped and guided me so well. Hope to have a great experience. 😊
Thank you. We will make sure you have a great experience going forward as well
When you port does the PED waiting period restart for 3 years?
With optima secure premiums comparatively so high it's best combination to take 5 lac base plan with super top of ergo. Since 5 lac base plan with instantly give 10 lac coverage from day 1.
Just bought optima secure via you guys
Hope the experience was great :)
Requested a video on super top and here it is❤ thank you guys. Would appreciate if you can also cover the other super topup plans as well.
Will do. Thank you for watching :)
I am in discussions with ditto about this plan and was informed supertopup might have room rent limit? 🤔
Does hdfc ergo don't have an option of 10 lac deductable?for super top up?
This super top up has 5 lac as deductible but in optima secure plan if I take 5 lac base plan I get instant 2x cover that means it becomes a 10 lac policy from day 1. So how will this super top up policy work , ideally it's of no use for optima secure plan.
Would be better if going forward you can mention that the video is sponsored by the Insurer. An explainer/ information video is more detailed discussing pros and cons equally.
Hey Mohit. These videos are not sponsored by the insurers. We do not get paid for these videos. However as stated in the disclaimer in the beginning of the video, we may partner with some of the insurance companies we cover on our youtube channel to service our clients online. But as a strict policy we do not let these partnerships influence our content.
@ditto Is hospitalization due to HIV, HepB or HepC is covered ??
People who are wondering for the same I spoke to couple of insurance companies like Care and Star. As per them If you already have HIV, Hep B and Hep C they won't issue insurance which is against IRDA guidelines.
After purchasing health insurance you contacted Hep B or Hep C they will pay for the treatment.
If you contacted HIV after purchasing the insurance even though related illnesses will not be covered by most of the health insurance companies. There are few exceptions like niva bupa etc which has AIDS related specific plan but premium is much higher.
Still even in 2024 discrimination against HIV people still there. Think about the people who got HIV due to contaminated needles, syringes. New born baby who has HIV or Hepatits what's there fault? Government should step up now.
Hai, team ditto can you make a video on care advantage?
Thank you.
We're on it
Do you guys have regional language support?
Yes. If you can specify what language you prefer, we can try to find an advisor who speaks that language. Please write your requirements in the description box when booking a call with Ditto
Guys can you do one on PED. I am confused. Let's say whilst I am taking insurance I am healthy and 10 years later I get sick and the doctor says I had PED then what happens? It is confusing to me.
Sure! We hear you :)
Until then, if you have need any immediate clarifications, please don't hesitate to book a free-of-cost consultation call with our advisors, who will help you with your query
bit.ly/3VAzZuN
Can you do a video on why i should avail Health Insurance though i have a corporate cover.
We hear you :) Video coming soon. Stay tuned!
We had an accidental claim amounting to ₹ 4 lakhs. HDFC kept on asking for same document again and again, Copy of FIR, bank account statement, eventually had to complain to IRDA for the claim. They didn't pay interest for delay
Hey Make a video on Tata Aig
Hey! Please check out our review of TATA AIG Medicare (3 variants)- ua-cam.com/video/2FrkZ0s1Ru8/v-deo.htmlsi=OTjoKe2NLg8zTKzN
These insurance brokers just read out what's written on companies website. Better go in depth.
For a single hospitalization if you exceed 5 lac only than you can use this. If you had a second claim than 5 lac deductiable u have to pay from ur pocket unless base policy has unlimited recharges.
Accordingly trick is to buy base policy of 5 lacs and buy super topup of 20 lacs makes 25L available instead of buying costly base policy of 10 lacs
You can either buy a base policy for 5 or 10 lakhs. Usually we recommend 10 lakhs because insurers these cover most treatments and the base cover usually come with very few restrictions
@@dittoinsuranceBut the plan explained doesn't have any restriction except Domiciliary and ayush treatment.
While insurance companies don't state this explicitly, they treat claims coming from super top up policies with greater vigilance. This is what we've observed. We see more deductions, more scrutiny and more back and forth. So the restrictions aren't on the policy front per se. But how insurers treat claims coming in from super top up policies. This could also be a function of the super low premiums they charge. We will make a video explaining this in the future.