Hi madam, in case the Insured Person is admitted in a room category that is higher than the one that is specified in the base policy(Single room AC) would there be Proportional deductions in payments towards other medical expenses like surgery, etc if i chose Room modifier add-on to "Any room"?
Kudos for nicely explaining the policy in detail. Well done!!. Though I have a doubt, since there is a sub-limit for room rent in this policy (upto single AC pvt room), in case if I choose room-rent modifier add-on and choose higher category rooms, will there still be any PD (proportionate deductions) on other charges? In other words, does adding room-rent modifier for high cost rooms equivalent to 'No room rent capping" in other policies ?
Trust m guys m personal experience h m mother admit thi hospital m aur iss company ne last moment pr claim reject kr dia Hume pta h humne hospital bill kaise pay kiya
@@AVNISH4646 Haa m mother ko blood ki kami ho gyi thi jisse unke pair swell ho gye the jb claim ki baari aayi toh jo inke employee Verification krne aaye toh unhone yeh objection diya ki patient ne verbally yeh accept kiya h unke bahut time se pair swell hi rehte h
Ab batao kisi bande ke pair bahut time se swell honge toh doctor ke pass nhi jaayega Aur humne saare proof diye ek ek slip di doctor ki aur blood test ki unpr bhi date mention hi thi aur phele se hota toh jab insurance li thi tab pta nhi chla
Nice explanation. Madam, in case the Insured Person is admitted in a room category that is higher than the one that is specified in the base policy(Single room AC) would there be Proportional deductions in payments towards other medical expenses like surgery, etc if i chose Room modifier add-on to "Any room"?
Ma'am jaise ki iss policy me ped ka waiting period 36 month hai agar mai ped disclose kar du to add on lekar 12 mahine ka waiting period mil sakta hai kya iss policy me?
Sir mere brother ki star health ki policy thi young star unhone usme uti ka claim lia tha but fir wo policy humne icici m port kra di aur mene icici agent ko bta diya tha uti hua tha but wo policy lene k bad hua tha but icici ne paper 📄 per kuch mention nahi kia kya hum uti ka claim icici say bubara le sakte unhein problem hui to
Hello Gurleen Kaur, My Family Health Insureance of 20L +5X was done by u & Team But after that, I have never got any supoort call or update .. Wish u great customer sucess stories ..
You can port to other health insurance company. For any queries, we are available on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.
Mam, Thanks for the video. This sounds as a very good plan! Could you also make a comparison video of this with plan 'HDFC ERGO Optima secue' ? Thanks in advance!
Unlimited restore/refill benefit- works immediately on next hospitalization? Or there needs to a gap between the 2 hospitalization? If yes how many days? Any other such catches?
Gurleen Ma'am , I have to buy a policy for my parents 64 and 63 age. They have PED bp , sugar and cholesterol from 2019. I was confused between Care Supreme and Aditya Birla activ one as both provide instant cover for these PEDs. Now ICICI elevate also looks very good. Please suggest which one to buy. Specially considering the CSR and Complaint volume.
Tikku ji have you ever faced any health issues and use those benefits health insurances any company. Please share your experiences Good or bad whatever
Mam I have family floter mediclaim policy of new india insurance co.since last 15yrs but never took any claim. Now I want to port my policy in ICICI Lombard. Is right decision ?
Query1- जो cumulative bonus मिलता है। उसका इस्तेमाल कैसे होता है। अगर किसी का बिल sum assured से जादा आता है? मुझे ऐसा लगा है की एक बार sum assured खत्म होने पर ही इसका इस्तेमाल कर सकते हैं दूसरी बार hospitalosation मे।
look agar cumulative bonus saal bhar mai claim nah karo toh sum insured ka 20% increase karti hai lombard, aur if tum power booster add on lete ho toh whole sum insured will be increase * 100% tum claim karo otherwise nah karo.
Does ICICI give their plans to diabetics if their diabetes was diagnosed before 35 years of patient's age ? I heard from someone they dont do. So could you please confirm. And how much do they charge the loading of diabetes?
"Any one Illness means continuous period of Illness and it includes a relapse within 45 days from the date of last consultation with the Hospital/Nursing Home where treatment may have been taken". I found this in both Elevate and Optima Secure, but not in aspire. Could you please explain what this clause means for the customer?
Policy premium is driven by the sum insured I chose for. For example, 10lac SI i am paying premium of 15k and for 20lac SI i am paying 20k. If I can claim for infinite amount then why would someone go for higher premium with higher SI?
I am having HDFC ERGO OPTIMA SECURE policy from 2 years, If i port from HDFC to ICICI elevate should i again wait for 36 months for PED? or only for 1 year?
Pls do a video on Icici health shield 360 which icici has for its account holders. For 2cr cover for 2A2K the premium is as low as 23500 approx. It has all the important benfits as well. Only downside i have heard is that its not portable. Kindly advise.
Hello Gurleen ma'am jaise ki iss policy me ped ka waiting period 36 month hai.agar PED disclose kar dete hain to add on lekar 12 mahine ka waiting period mil sakta hai kya iss policy me?
@@Rudranesh-c1h up to 2 lakh maternity limit in Reliance (need to pay 3years premium. Initally ), 50k, 1 lakh in Star woman based on Sum assured. Niva up to 75k based on Sum assured and Three years premium initially
Mam, I tried to buy this policy but it doesn't have 'Deductible' payment add-on. When called to ICICI Lombard customer care, they said it is not included now but will be in future and I can add that time. is it correct that I can add that raider in future renewals if availavle? Could you please.. advise?
It’ll trigger by marking a single claim and also infinite claim amount is there without any limitations it’s far better than Niva or any other insurer.
@GurleenKaurTikku Madam insurance company should think on these lines as after 60 years, the person will retire , then how come he will be able to pay the premium if he doesn't have pension or some other source. In maximum case, one would require the health policy after 60 only
Ma'am please ICICI Bank ke policy hai exclusive for ICICI Bank customer only HEALTH SHIELD 360 COMPREHENSIVE HEALTH PROTECTION please is par details video post kriye must need detail Ye log clam kab se Start hoga i mean wating period kitna hai uspar misslead kr rahe hai please it's a humble request thanks in advance
ICICI a health shield 360 is a bank policy, sharing the detailed video on bank policies vs retail policies ua-cam.com/video/UsYq7nle1Z4/v-deo.htmlsi=jdfgtjV5JUhTkf2C
If recently taken claim for surgery in this year so we can portout with same condition because 2 company rejected like aditya birla said permanent exclude to the disease related to same surgery in future and niva bupa denied fully to person (Reason they given Chronic disease) so what to do as per your experience. We have to continue with existing policy because already 4 yrs completed there but SI only 5 lakh and bonus is 5 lakh but after claim they dlreduce 50% bonus. Thatswhy decided for portout
Brother same here, commenting from hospital bed, my care health insurance denied my cashless stating PED, it is a cervical disc operation, they denied it, now got the operation done from my office corporate insurance. Don't know whether this will get covered in future or not
Not possible at all you’ve to stick with the similar insurer for life long if there’s any insurance policy running otherwise there are some plans in market that’ll exclude the heart with some copay..
Check for Aditya Birla Active One Max or Icic lombard elevate. Please check with an official from the companies by visiting their offices. Don't trust any agent. Go and validate yourself from the company.
ICICI ELEVATE PED Waiting Period Get your pre-existing disease waiting period reduced to 1 year or 2 years from default 3 years Waiting Period 1 Year Premium ₹2,649 How long this extra premium is to be paid 3years?
Mam aap toh paise lekar promotion kr dete ho Lekin yeh company toh kbhi bhi apne customers ko uska claim nhi deti ek dum bekaar company employees bhi support nhi krte na jawab dete
Whatever ICICI may do, but as a product presentation, this is one of your best!
Glad you think so!
Could you please suggest hdfc optima vs icici elevate with some add ons. Which one is best in terms of service benefit and claims
Hdfc is d best claim wise
Premium increase 5 year ke block par hoga ya every year pls bataiyega 🙏
Policy features are good but they have only 150 listed daycare procedures, not covered all daycare procedures.I have confirmed with icici
Waiting पिरियड PED ( 36months) और Specific Illness (24months ) हैं, तो इस
जैसे ऍड ऑन का चार्ज कितने साल तक के प्रीमियम में देणा होगा?
I am working with icici Lombard from past 3 years and this plan has turned the table upside down .. wonderful plan with customisable add-ons.
Hi madam, in case the Insured Person is admitted in a room category that is higher than the one that is specified in the base policy(Single room AC) would there be Proportional deductions in payments towards other medical expenses like surgery, etc if i chose Room modifier add-on to "Any room"?
There’s option to modify the categories of rooms by an ad on but as a normal consumer single private room is enough.
@@serry4-786no
which is better ICICI Lombard elevate or niva bupa reassure 2.0 titanium
Thank you for your explanation about elevate policy
Kudos for nicely explaining the policy in detail. Well done!!. Though I have a doubt, since there is a sub-limit for room rent in this policy (upto single AC pvt room), in case if I choose room-rent modifier add-on and choose higher category rooms, will there still be any PD (proportionate deductions) on other charges? In other words, does adding room-rent modifier for high cost rooms equivalent to 'No room rent capping" in other policies ?
Maternity bhi claim kar sakte hai ??? Is insurance me
Respected Ma'am
1st I tell u Thanks
2nd small doubt
Ayush & Physiotherapy , chiropractice both are covered in which insurance
Can u pls tell me
Pls make a video on how unlimited Restore/Reset benefit works. I mean why should I take higher Sum-Assured if there is Restore/Reset benefit?
Trust m guys m personal experience h m mother admit thi hospital m aur iss company ne last moment pr claim reject kr dia Hume pta h humne hospital bill kaise pay kiya
Rejection ka koi reason raha hoga?
@@AVNISH4646 Haa m mother ko blood ki kami ho gyi thi jisse unke pair swell ho gye the jb claim ki baari aayi toh jo inke employee Verification krne aaye toh unhone yeh objection diya ki patient ne verbally yeh accept kiya h unke bahut time se pair swell hi rehte h
Ab batao kisi bande ke pair bahut time se swell honge toh doctor ke pass nhi jaayega
Aur humne saare proof diye ek ek slip di doctor ki aur blood test ki unpr bhi date mention hi thi aur phele se hota toh jab insurance li thi tab pta nhi chla
Hi
Mam ham dono senior citizens hai to aapke yaha hamare liye konsi policy aap sajest karenge.
Excellent video 👍👍👍 elevate
Glad you liked it, keep watching !
Health insurance lene k bad agar koi emergency me koi operation ho to kya karna chahiye
Nice explanation. Madam, in case the Insured Person is admitted in a room category that is higher than the one that is specified in the base policy(Single room AC) would there be Proportional deductions in payments towards other medical expenses like surgery, etc if i chose Room modifier add-on to "Any room"?
Reset and refill ko explain kr dijiye or base sum assured and sum assured
Mam agar maine health insurance policy online liya hai aur mai agent ko add krke agent ke through renew karwana chahu to kya mai aisa kr skta hu?
How is niva bupahealyh insurance policy
Ma'am jaise ki iss policy me ped ka waiting period 36 month hai agar mai ped disclose kar du to add on lekar 12 mahine ka waiting period mil sakta hai kya iss policy me?
31 days se cover ho jayega
PED waiting period 30 days ho jayega
is power booster feature available with 5 lac policy cover ?
Sir mere brother ki star health ki policy thi young star unhone usme uti ka claim lia tha but fir wo policy humne icici m port kra di aur mene icici agent ko bta diya tha uti hua tha but wo policy lene k bad hua tha but icici ne paper 📄 per kuch mention nahi kia kya hum uti ka claim icici say bubara le sakte unhein problem hui to
Maam, mene policy bazar se policy li and if I m not happy with policy bazar service then next year me same policy kaha se renew karau?
No, you have to port to any other policy.
@@GurleenKaurTikku Thankyou maam
Portability is continuity
Very Nice explanation Madam 👌 👍
Thank you 🙂 Keep watching !
Is this policy elegible for 80d income tax deduction
Infinite care is not available if policy port from another company
If it is too good to be true, it is too good to be 'true'!!
Hello Gurleen Kaur,
My Family Health Insureance of 20L +5X was done by u & Team
But after that, I have never got any supoort call or update ..
Wish u great customer sucess stories ..
Hello Kanwaljit jee, connecting with you over whatsapp
😂😂😂😂wah
What about portablity,,,I have to change with my star helath policy
You can port to other health insurance company. For any queries, we are available on WhatsApp/Call at 9650706699.
Our team can assist you with a few suitable options.
My policy is running with Mahipal cigna from 59 months. May I port my policy with out waiting period. please inform
Yes you can
Manipal cigna me kya kya problem face kiya. Pls batayie
Are the prices shown in the video inc. taxes?
Excellent info. Keep sharing!!
Mam, Thanks for the video. This sounds as a very good plan!
Could you also make a comparison video of this with plan 'HDFC ERGO Optima secue' ?
Thanks in advance!
Prmwise at elder age optima secure n elevate almost same , hdfc claim wise the best
Unlimited restore/refill benefit- works immediately on next hospitalization? Or there needs to a gap between the 2 hospitalization? If yes how many days? Any other such catches?
45 days. You can use for same illness but after 45 days of last hospitalisation
For how much sum insured Reset benefit will work?
Any new plan from Niva Bupa? Want to port my 14 years old Oriental policy. Please suggest a good plan.
Tell me What is the plan combinations ,like individual- family floater- multi member
& how many adult & chil you can add
2 adults and 3 child can be added in this policy
Gurleen Ma'am , I have to buy a policy for my parents 64 and 63 age. They have PED bp , sugar and cholesterol from 2019. I was confused between Care Supreme and Aditya Birla activ one as both provide instant cover for these PEDs. Now ICICI elevate also looks very good.
Please suggest which one to buy. Specially considering the CSR and Complaint volume.
bhai konsa choose kiya fir aapne ?
Tikku ji have you ever faced any health issues and use those benefits health insurances any company.
Please share your experiences
Good or bad whatever
Mam I have family floter mediclaim policy of new india insurance co.since last 15yrs but never took any claim. Now I want to port my policy in ICICI Lombard. Is right decision ?
I suggest hdfc ergo
I suggest ICICI Lombard
Why you porting it ?
@@gempire4135 for better features
explained in full detail..
Whether medical certificate needed after the age of 58 year.pl tell
Kindly make video of elevate vs optima secure
sure, we will be bringing up a video soon.
Thank you mam for the video.
Please niva bupa Aspire aur elevate ka ek comparison video bana dena.
Bihar, what will be the premium?
Can we buy this policy through agent or advisor?
Yes
@@GurleenKaurTikku thanks a lot
All daycare covered??
Yes
Query1- जो cumulative bonus मिलता है। उसका इस्तेमाल कैसे होता है। अगर किसी का बिल sum assured से जादा आता है? मुझे ऐसा लगा है की एक बार sum assured खत्म होने पर ही इसका इस्तेमाल कर सकते हैं दूसरी बार hospitalosation मे।
look agar cumulative bonus saal bhar mai claim nah karo toh sum insured ka 20% increase karti hai lombard, aur if tum power booster add on lete ho toh whole sum insured will be increase * 100% tum claim karo otherwise nah karo.
Kya isme port allowed hai......
Does ICICI give their plans to diabetics if their diabetes was diagnosed before 35 years of patient's age ? I heard from someone they dont do. So could you please confirm.
And how much do they charge the loading of diabetes?
They do
Thanks , Is there any room caping in this policy for 7.5 Lac cover ?
@@nitinnarayanInsurancedvisor no
Single private ac room is available.
"Any one Illness means continuous period of Illness and it includes a relapse within 45 days from the date of last consultation with the Hospital/Nursing Home where treatment may have been taken".
I found this in both Elevate and Optima Secure, but not in aspire.
Could you please explain what this clause means for the customer?
Hello, for ur info hdfc has no such 45 days gap in restoration , completed 15 yrs with hlth insurance , tata, icici elevate has this gap
@@UrbanRender I would be glad to be wrong! The sentence is there in the policy wording though, hence my concern.
@@animesh_agr optima secure has no 45 days gap, ..... already took repeated claims within 45 days with hdfc ergo🙏
How can we obtain a discount based on our credit score?
Policy premium is driven by the sum insured I chose for. For example, 10lac SI i am paying premium of 15k and for 20lac SI i am paying 20k. If I can claim for infinite amount then why would someone go for higher premium with higher SI?
Sir the infinite care is for one time in your lifetime you can claim any amount for once in your lifetime not everytime
@@SwatiSingh-hc7gi Thanks for your response.
Grade-2 Fatty liver would be covered under this policy?
I am having HDFC ERGO OPTIMA SECURE policy from 2 years, If i port from HDFC to ICICI elevate should i again wait for 36 months for PED? or only for 1 year?
Yes
Whats ur renual date
@@ankitadutta1256 November 11/
2024
@@ankitadutta1256 Again have to wait for 36 months for PED? After porting into new insurance policy?
Icici elevate vs icici health advantage ? Video please
Coming up next week.
One years ago I do bariyatric surgery so can I buy this plan ?
No, policy won’t be possible if you have undergone bariatric surgery
Superb product
Yes it is
Monthly ya quarterly premium me available Hai.. ya or koi health insurance plan.. plz make a Vedio on monthly premium payment health policy.
Yes monthly and quarterly both things available in ICICI Lombard
Pls do a video on Icici health shield 360 which icici has for its account holders. For 2cr cover for 2A2K the premium is as low as 23500 approx. It has all the important benfits as well. Only downside i have heard is that its not portable. Kindly advise.
It is a group insurance policy offered through bank.
I hear from icici this plan can be closed anytime and not easily claim is available and no dedicated assistance customer care
I work at icici and you heard it right not portable
Ek baar add on kar liye to kya unko baad me change kar sakte hai ya nhi madem
Ye can take or remove add-on at the time of renewal
The add ons can be changed at the time of renewal
अगर कोई व्यक्ति हार्ट का ऑपरेशन कर चुका है तो उसका वेटिंग पीरियड भी कम हो सकता हैक्या
Y POLICY NAHI MILEGA
Hello Gurleen ma'am jaise ki iss policy me ped ka waiting period 36 month hai.agar PED disclose kar dete hain to add on lekar 12 mahine ka waiting period mil sakta hai kya iss policy me?
Yes, i have opted for that add-on
@@prathameshkumbhar0303 hello brother kya tumne bhi ped disclose karke policy li hai kya aur tumhe premium kitna padha.
Can you suggest a policy which is having least waiting period for maternity plus minimum waiting period for PED.
Reliance 12 months, star 12 month, niva bupa 9 months
@@sumitsingh-bb5ed Elevate plan
@@venki232323 kindly let us with the meternity amount as well..
@@Rudranesh-c1h up to 2 lakh maternity limit in Reliance (need to pay 3years premium. Initally ), 50k, 1 lakh in Star woman based on Sum assured.
Niva up to 75k based on Sum assured and Three years premium initially
Icicilombard with initial waiting period of 30 days For PED
What is the criteria for unlimited cover ? When we have to give request ?
There is option to choose unlimited sum insured.
Mam, I tried to buy this policy but it doesn't have 'Deductible' payment add-on.
When called to ICICI Lombard customer care, they said it is not included now but will be in future and I can add that time.
is it correct that I can add that raider in future renewals if availavle? Could you please.. advise?
Yes they can introduce in later years.
Can a person undergone angioplasty & diabetic take this policy
Yes sir
Diabetes covered after 30 days waiting period
I have policy in star health insurance... Can I port...
You can if you aren't satisfied with your current plan & looking for a better option.
Yes you can port it
infinite reset me doubt h, 2 star lage hue h, kya ye reassure 2.0 neva bupa jaisa hi first claim se triggered hoga ya koi issue h plz suggest
It’ll trigger by marking a single claim and also infinite claim amount is there without any limitations it’s far better than Niva or any other insurer.
45 days waiting to refill again
Nice
Thanks, keep watching !
Icici lombard provided best claim service 🎉
👍
Can you suggest any policy where premium can be paid till 60 yrs coverage will get till 75 or 80 yrs .
Nahin jee, In health insurance - no such option is available
@GurleenKaurTikku Madam insurance company should think on these lines as after 60 years, the person will retire , then how come he will be able to pay the premium if he doesn't have pension or some other source.
In maximum case, one would require the health policy after 60 only
Govt can launch such a facility not by business making company this is going to happen at all
Very good presentation
Thanks a lot, keep watching !
What about Bajaj Allianz My Health Care product
Ma'am please ICICI Bank ke policy hai exclusive for ICICI Bank customer only HEALTH SHIELD 360 COMPREHENSIVE HEALTH PROTECTION please is par details video post kriye must need detail Ye log clam kab se Start hoga i mean wating period kitna hai uspar misslead kr rahe hai please it's a humble request thanks in advance
ICICI a health shield 360 is a bank policy, sharing the detailed video on bank policies vs retail policies
ua-cam.com/video/UsYq7nle1Z4/v-deo.htmlsi=jdfgtjV5JUhTkf2C
Premium will increase when age will increase??
Yess
Great
Thanks a lot, keep watching !
If recently taken claim for surgery in this year so we can portout with same condition because 2 company rejected like aditya birla said permanent exclude to the disease related to same surgery in future and niva bupa denied fully to person (Reason they given Chronic disease) so what to do as per your experience. We have to continue with existing policy because already 4 yrs completed there but SI only 5 lakh and bonus is 5 lakh but after claim they dlreduce 50% bonus. Thatswhy decided for portout
Which company insurance you have
Brother same here, commenting from hospital bed, my care health insurance denied my cashless stating PED, it is a cervical disc operation, they denied it, now got the operation done from my office corporate insurance. Don't know whether this will get covered in future or not
@@JaiHanuman9936 currently star health.
claim लेने के लिए क्या करना है
हार्ट का ऑपरेशन होने के बाद क्या पॉलिसी इस प्लान में पोर्ट की जासकती है
Yes
What about angioplasty, can they take this policy
Gurleen madam please Reply
Not possible at all you’ve to stick with the similar insurer for life long if there’s any insurance policy running otherwise there are some plans in market that’ll exclude the heart with some copay..
My father have gone for ptca is there any policy ?
Check for Aditya Birla Active One Max or Icic lombard elevate. Please check with an official from the companies by visiting their offices. Don't trust any agent. Go and validate yourself from the company.
ICICI ELEVATE PED Waiting Period
Get your pre-existing disease waiting period reduced to 1 year or 2 years from default 3 years
Waiting Period 1 Year Premium ₹2,649
How long this extra premium is to be paid 3years?
Mam I am 72 right now,I have done my open heart surgery 2 years ago ,so can I take this policy ?
No
No
No sir, you can't take it.
You can ! Age limit is 125
@@YT_INSURANCE_HUBwhy spread false information
I have taken this policy but the drawback is they are giving only single private ac room as a room limit otherwise it is good 😅😅
u can take addon of room modifier.
super plan
As per age group
Madam
Don't advertise policies in the name of reviews. If you want to have confidence of public, you should highlight the negatives of policies also.
I left this health insurance..no transparency..premium har sal jitna jee chahe badhate hai..koi rule nhi...wasted my money
Hello
How many network Hospitals tie ups. Are there Madam ?
Can you send me the pdf Copy
List Zone waise ?
Please check the network hospital from the below link
www.icicilombard.com/cashless-hospitals
what's the catch, maam ?
That every this is add on which costs extra 1000s
Mam aap toh paise lekar promotion kr dete ho Lekin yeh company toh kbhi bhi apne customers ko uska claim nhi deti ek dum bekaar company employees bhi support nhi krte na jawab dete
@@KajalKhangwal-r5m absolutely right
I sent you one e-mail today, but received no reply.
Customer will get Guaranteed cumulative bonus in claim free year only
Very biased detailing of the product. Shared only pros of it, no cons shared. This video's is not for creating awareness but to market it.
We are not marketing any plan , it's a newly launched plan so just explaining our audience about it
❤
Cheating company. Claim settlement?. All bogus,
You blink a lot...
Mam please don't recommend icici Lombard very worse policy. Never settle claim. Please don't misguide people
which is best.
@@shyamdeshmukh5316 TATA AIG or HDFC Ergo
@@shyamdeshmukh5316 hdfc eargo is best any other plan except icici Lombard
New india Or any government company
You are wrong ICICI Lombard is the best