Its quite appreciable, wherever a VERY IMPORTANT information and useful in the real and practical sense to the Insurers, i can see more drops in ur eyes which shows that emotionally u want to help to many with ur knowledge... Surely God will bless u in a right manner.. all the best..
Very nice information maam, thanks for updating. But i have also one query that is, another way to maintain different date surplus policy by cut down deductible amount, lets say in your example it could be 2 lakhs, so that remaining 4 lakhs paid by surplus top up policy. Ofcourse premium in this case slightly higher than in deductible proportionate.
मेरा बेस पालिसी है लेकिन मेरे wife & my Sun ko supar top up उनका कोही पहलेसे कोही बेस नही हे उनको supar top up पालिसी दी है,अभी उनका क्लेम नही हो रहा हैं प्लीज हेल्प मैडम
HI Ma'am very informative and valid points. I have subscribed your channel. Im a banker and I have knowledge of all the financial products, However the point I liked very much(and I never realized) is that start date of base and Super top up should be the same (you gave a perfect example) You made the concept of Super top insurance very simple by giving good examples so that even a layman can understand better. Thank you so much. God bless.
Sharp insights, especially on the timing of the policy. I bought a new super top up policy just 2 months ago and my base policy renewal is due in November. What would you suggest I do - should I buy one more new super topup policy now or just cancel the previous one and buy a new STUP?
To help super top company calculate aggregate deductible, we inform them of small hospital cost in one go or same time hospitalization is done.. say 3 times there was hospitalization but deductible of 5 lakhs got exhausted only on 3rd claim
@@GurleenKaurTikku There is a question in my mind like if anyone has very old accident history like around 20 years before then it needs to declare in health insurance at the time of taking health insurance or we should not declare? Is there any parameters like only 5 year or 7 years etc , history you need to declare for health insurance because it may impact on your health. Thanks in advance for your valuable answer.
Thank you for very insightful session on insurance. If base health policy [5 Lakhs company provided policy,ex: Liberty general insurance] and the super top-up policy [10 Lakhs, Supra super top up, Ex:Liberty general insurance retail policy purchased by me] are same insurance companies. question 1) if hospital bill amount is 12 lakhs & if i use 5lakhs cashless facility using base policy provided by company/employer, for remaining amount of 7lakhs , is cashless facility available on super top-up policy considering both are from same insurance providers? OR do i need to go for reimbursement ?
Great information. One query. I have insurance policy for three years and the renewal is coming this june. When i had taken the policy three years ago, i had no pre existing diseases. In last three months I have been diagnosed with thyroid. How can i get this information included in my current policy so that next policy cover would treat that as known PED and would acknowledge it from day 1.
Fantastic, highly informative. Thank you very much. U R doing great job... I hv a qn. One of the drawback of Super Top is that it is not refillable. I understand this. My qn is: Is the sum assured reset for next period/year?
Mam Mere pass pahle Apollo ki policy thi Jo baad mein khud hi hdfc mein port ho gyi Phir meine use bajaj mein port karwa liya Ab mein tata aig mein jana chata hun Kya baar baar port karne mein koi problem hai
Dear Gurleen, Thank you for making this informative vlog about how to move ahead for considering super top up plans. Just a clarification I would like to seek reg: this topic if in-case, you get a chance to respond back to the same. Separately, I will touch base with you via email and/or whatsapp details flashed on your page to understand in detail pertaining to other financial services you offer. Clarification: Base policy exists for Family floater - in that case is it good to go with Individual sum insured or family floater super top up policy. How the deductible will functions here given 2 members of the family are treated on separate dates and base policy is exhausted for treating 1 member only. Note - Consider Base policy and Super policy month and Year as same in this scenario. Happy to hear your views here. Regards, Sahil
Let's say if I purchase hdfc ergo optima secure base plan of 10lakhs then I can get 30 lakhs coverage benifit. So is it a good idea to purchase super topup of 70 lakhs with 30 lakhs deductible instead of 10 lakhs?.
Very informative. I have a query. You suggested to go for super top up with same company. For HDFC Optima Secure with 10 lac base cover, what is the super top up? HDFC Suraksha super top has a deductible of 5 lac and max cover of 20 lac. Anything else you suggest?
Having 5 lakh red carpet star health policy, since 2019 . Not taken a single claim. Now my Age is 68 completed. Want super top up Gold policy .Applied but won't get. What to do.
Dear madam.. Iam using HDFC ERGO optima secure 25 lakhs policy.. Is iam eligible to buy Niva bupa heqlth recharge super topup policy with a deductable of 10 lakhs?
Ma’am Good evening Recently in all your videos you are only talking in Hindi. No subtitles too. We don’t understand the subject. Ma’am I am one of your regular viewer. Please take it into consideration.Thank you ma’am.
Thanks Mam, very Informative video. My question is if we have to purchase base policy and Super top policy from different insurers (as Base policy company dont have Super top options), then whom do we submit original bills in case of claims ?
Original bills will be given to base insurance company and they will issue claim settlement letter which can be given to super top up company for pursuing
Hi Ma'am. I have taken base plan & super top up from 2 different companies. My base plan covers deductable amt. Suppose my claim amt is more than deductable , can I claim cashless treatment based on base policy and super top up policy. I assume that hospital is empanelled with both the insurance company.
Care की मेरे पास फैमिली फ्लोटर 5 लाख का है..भगवान की कृपा से अभी तक कोई क्लेम नहीं लिया है..पिछले 6 साल से पॉलिसी चल रही है। सुपर टॉप अप प्लान लेना चाहता हूं..क्या केयर इंश्योरेंस के अलावा स्टार हेल्थ या किसी दूसरी कंपनी का ले सकता हूं। या कौन सी लेनी चाहिए..plz सजेस्ट
Can we only buy Super Top up policy without a base plan? I am ready to pay deductible from my pocket, but need more coverage. Just thinking out loud. Happy to learn from other's experience.
I HV taken a Super Top up health policy for my daughter of 23 yrs 5lakh base policy +95 lakh super top up,from Policy bazar of Aditya Birla health insurance,both are from same company. Here l like to ask from you that have done any wrong,taking this policy? Secondly l was not aware of purchasing a policy.So I took this policy from Policy bazar. Depending on their advise.But now I am afraid of doing so about any enquiry or any information to share with them.So please Guide me. Last of all l like to say that l am 59 +yrs old.l HV gone through Enzioplasty in 2019 May.l like to purchase a health policy with my wife of 55 yrs.Which company and which plane will be suitable for us.
Suppose 5 lac base and 10 lac super top up. Base khatam hone se refill hota he.. par super top up 10 lac eki ber me khatam hone se fir se auto refill hoga ke ?😮
Hi Gurleen, Thanks for this video actually good to know the traps. I have not yet taken any insurance policy as my company covers for that. Now i am looking for taking up a policy for my family ( 2+2). Pls suggest if i have to take only Super top up or Base + super top up. As you said, i am considering atleast 8-10 lacs of base policy & upto 50L of Super top up. is it correct decision ? Are govt insurance companies are good or Private insurance companies ?
We have shared a detailed video on Navi Health Insurance. LINK : ua-cam.com/video/47BTRN_0KSQ/v-deo.html If you still have any queries related to the plan, contact us on 9650706699 Thank you 🙂
Hello mam ...I would like to change my insurance policy...which is going to expire on August...I have health companion...is it possible to change in re assure..if yes then what I have to do..
Mam, my mother is 56 years old. She already has a health insurance from Navi, but super-top up plans from Navi is expensive, compared to its peers. In such a case, would u advise to go for a super top up from another brand namely Care
Hi Mam, I have a query. In Max Bula reassure the amount is reinstated unlimited number of times. Now, if i buy 10 (Base Same Assured) + 90 (Super top up with 10 L Deductible) , then in a claim can a case arrive in which i have to pay the amount i.e. Super top up doesn't get triggered.
Hi ma'am. My father has been renewing New India assurance company's policy since 10-15 years. This policy does not have a restoration feature. Should I change or should I keep on going with the same. And is there any suggestions for good companies providing with better policies?
Yes, Restoration is available in many health insurance plans now . We would like you to share some more details with us so that we can suggest a suitable plan. Please connect with us on WhatsApp/Call at 9650706699 😊 Thank You
We don't have any first hand experience with STAR yet but yes, HDFC ERGO is good 👍 Buy a plan that meets your requirements. If you need any assistance, feel free to connect with us on WhatsApp/Call at 9650706699 Thank you !
I already have a 8 L policy from Oriental Insurance which is expiring on Jan 10 and I am planning to buy a super top up. However, max companies have deductible of 5 L and then 10 L. If I opt for a 5 L deductible with a base cover of 8 L. How will the claims settle if top up is from Niva Bupa (Option I'm thinking to buy)
You can send an email to customer care, if your existing agent is active, an NOC is required from him/her. If the agent is inactive, agent will be changed with your written request
I have my company group health insurance policy where me, spouse and both parents are added where the basic cover is 2lac each and also a family florar coverage of 12 lacs over and above the base limit.. so can I buy a super top up plan seperately? And if yes, will it cover all the four members and what will be the applicable deductable amount here?
Hi. Gurleen mam I am currently in bcom 1st year And I want to pursue CFP .. Can u please throw some light on this topic especially the work experience 🙏 Please Thanks
Hi mam like my basic health insurance policy renewal dt is 27 August. And it is 4 yr old. Now I m planning to buy super top. As per what I understood the date on which I should buy super top is 27 August only.. or any date will be ok. Because my old policy is 4 yrs old. Pls advise.
6:47 Will it make any difference if super top date is after 2 months of base policy. In my opinion base policy is also active at that time suppose base in June and top up in August, will it make any difference?,🥺🙏
How will these restore benefit work in case me and my whole family met with an accident and we have total claim of 8 lakh against my base policy of 5 lakh in the 1st year of policy in niva bupa health reassure/ health companion and optima restore?
For 5 lacs policy , if single person needs 8 lacs in the first claim, then it will not be paid If it is for multiple holders, then it will refilled and used.
@@GurleenKaurTikku thanks mam. So if my first claim in accident is of 3 lalk for me and 3.5 lakh for my wife and daughter then it will get paid correct? Your videos are too helpful and your replies are very fast
Mam waiting period in my current policy is 3 years, now I want to switch to another another company policy. Do I need to fulfil the waiting period conditions again ?
@@GurleenKaurTikku thanks for response me. Can you please help for the below query? My main policy is niva bufa reassure and sum issured 7.5 lakh So, should I purchase a topup plan deductible on 10 lakh or 5 lakh as no any option deductible on 7.5 lakh.
Both the options are good. If you want to buy the policy, please share your basic details with us on WhatsApp/Call at 9650706699. Our team may assist you. Thanks
Hi Mam, I have a query. In Max Bula reassure the amount is reinstated unlimited number of times. Now, if i buy 10 (Base Same Assured) + 90 (Super top up with 10 L Deductible) , then in a claim can a case arrive in which i have to pay the amount i.e. Super top up doesn't get triggered.
The 6th point which peoples generally miss out & same exact point picked & explained by Mam that is very important
Thank you so much !
Keep Watching :)
Agreed
eye opener for syncronizing policy dates.. never thought about it.. good point. thanks a lot
Thank you so much jee !
Aap bahut nek kaam kar rahi hain
Thank you so much 🙂
Its quite appreciable, wherever a VERY IMPORTANT information and useful in the real and practical sense to the Insurers, i can see more drops in ur eyes which shows that emotionally u want to help to many with ur knowledge... Surely God will bless u in a right manner.. all the best..
Thank you so much jee, keep watching 😊
Lagta hai madam Jaise mere liye hi video banaya hai.. thanks GK
Glad you liked the video. 🙂
Thanks :)
You are such a treat to watch.. Loads of information❤
Thank you so much 😀
Very useful info.. thank you so much for providing these ideas which would not be available in the policy fine print..
Thank you jee, keep watching !
Also, do Subscribe !
Very nice info. thanks
Very informative topic..Thnx mam
Keep watching 😊
Very nice information maam, thanks for updating.
But i have also one query that is, another way to maintain different date surplus policy by cut down deductible amount, lets say in your example it could be 2 lakhs, so that remaining 4 lakhs paid by surplus top up policy. Ofcourse premium in this case slightly higher than in deductible proportionate.
मेरा बेस पालिसी है लेकिन मेरे wife & my Sun ko supar top up उनका कोही पहलेसे कोही बेस नही हे उनको supar top up पालिसी दी है,अभी उनका क्लेम नही हो रहा हैं
प्लीज हेल्प मैडम
Wonderful informative video ma'am
Thank you jee, keep watching !
Thanks very useful info 😊
Glad it was helpful!
HI Ma'am very informative and valid points. I have subscribed your channel. Im a banker and I have knowledge of all the financial products, However the point I liked very much(and I never realized) is that start date of base and Super top up should be the same (you gave a perfect example)
You made the concept of Super top insurance very simple by giving good examples so that even a layman can understand better. Thank you so much. God bless.
Thanks a ton, I am glad you found it helpful :)
Yes, I am in the process of buying a super top up policy. Matching the dates and the "same" insurance company advice found it very useful.
Very informative video 👍
Glad you think so, keep watching !
Sharp insights, especially on the timing of the policy. I bought a new super top up policy just 2 months ago and my base policy renewal is due in November. What would you suggest I do - should I buy one more new super topup policy now or just cancel the previous one and buy a new STUP?
To help super top company calculate aggregate deductible, we inform them of small hospital cost in one go or same time hospitalization is done.. say 3 times there was hospitalization but deductible of 5 lakhs got exhausted only on 3rd claim
Thank you ma'am ❤️, today I asked you this question and you made a video about it . 😊
YES
good information
Thank you so much !
Very well stated
Thank you jee, keep watching !
Hi Ma'am , what should we do about corporate base policy?
Thank for your valuable information 😊
Keep watching 😊
@@GurleenKaurTikku There is a question in my mind like if anyone has very old accident history like around 20 years before then it needs to declare in health insurance at the time of taking health insurance or we should not declare?
Is there any parameters like only 5 year or 7 years etc , history you need to declare for health insurance because it may impact on your health.
Thanks in advance for your valuable answer.
Ma'am ,
Star health insurance ka top up plan ka ek video banaen. 🙏
Thank you for very insightful session on insurance.
If base health policy [5 Lakhs company provided policy,ex: Liberty general insurance] and the super top-up policy [10 Lakhs, Supra super top up, Ex:Liberty general insurance retail policy purchased by me] are same insurance companies.
question 1) if hospital bill amount is 12 lakhs & if i use 5lakhs cashless facility using base policy provided by company/employer,
for remaining amount of 7lakhs , is cashless facility available on super top-up policy considering both are from same insurance providers? OR
do i need to go for reimbursement ?
Useful.
Thank you !!
Thanks mam
Nice info
Thanks a lot, keep watching !
Mam Tata AIG health policy kaise hai.claim settlement kaisa hai please batye
Great information. One query. I have insurance policy for three years and the renewal is coming this june. When i had taken the policy three years ago, i had no pre existing diseases. In last three months I have been diagnosed with thyroid. How can i get this information included in my current policy so that next policy cover would treat that as known PED and would acknowledge it from day 1.
Mam what covered in HDfc ergo Arogya Sanjeevni health policy
Fantastic, highly informative. Thank you very much. U R doing great job... I hv a qn.
One of the drawback of Super Top is that it is not refillable. I understand this. My qn is: Is the sum assured reset for next period/year?
Not pls
Thanks dear
Keep watching
ap es hair style mai bhot beutifull lagti ho 💫💫
Mam
Mere pass pahle Apollo ki policy thi
Jo baad mein khud hi hdfc mein port ho gyi
Phir meine use bajaj mein port karwa liya
Ab mein tata aig mein jana chata hun
Kya baar baar port karne mein koi problem hai
Dear Gurleen, Thank you for making this informative vlog about how to move ahead for considering super top up plans. Just a clarification I would like to seek reg: this topic if in-case, you get a chance to respond back to the same. Separately, I will touch base with you via email and/or whatsapp details flashed on your page to understand in detail pertaining to other financial services you offer.
Clarification:
Base policy exists for Family floater - in that case is it good to go with Individual sum insured or family floater super top up policy. How the deductible will functions here given 2 members of the family are treated on separate dates and base policy is exhausted for treating 1 member only. Note - Consider Base policy and Super policy month and Year as same in this scenario.
Happy to hear your views here.
Regards,
Sahil
Thanks madam
🙂
Let's say if I purchase hdfc ergo optima secure base plan of 10lakhs then I can get 30 lakhs coverage benifit. So is it a good idea to purchase super topup of 70 lakhs with 30 lakhs deductible instead of 10 lakhs?.
You are pure Gem ❤️
Thank you 🙂
What about waiting periods ma'am.. recently i had a claim for a surgery will that be considered as pre existing disease in super topup
Hi...
If i have option of Refill unlimited times then does it make sense to buy super top up plan??
Mam is there any capping in super top up .my base policy Arogya sanjeevni
thanks mam
Very informative. I have a query. You suggested to go for super top up with same company. For HDFC Optima Secure with 10 lac base cover, what is the super top up? HDFC Suraksha super top has a deductible of 5 lac and max cover of 20 lac. Anything else you suggest?
The medisure super top up is the only plan they have, maximum cover 20 lacs with 5 lacs deductible.
Kya unlimited restore benifits ke baad bhi super top up Lena chahiye
Ma'am waiting period kya hota hai please thoda explain kare
Having 5 lakh red carpet star health policy, since 2019 . Not taken a single claim. Now my Age is 68 completed. Want super top up Gold policy .Applied but won't get. What to do.
Dear madam.. Iam using HDFC ERGO optima secure 25 lakhs policy.. Is iam eligible to buy Niva bupa heqlth recharge super topup policy with a deductable of 10 lakhs?
Mam... Agr niva bupa REASSURE hai... 10 lakh ki base policy... 15 lakh ka claim aa gya in case to kya company pay kregi as it has unlimited refill
Ma’am Good evening
Recently in all your videos you are only talking in Hindi. No subtitles too.
We don’t understand the subject.
Ma’am I am one of your regular viewer. Please take it into consideration.Thank you ma’am.
Noted, will try to add subtitles in our videos 🙂
And if you have any queries, feel free to contact us on WhatsApp/Call at 9650706699.
Thank you
My base policy SI is 4 lakh. If i take super top up SI 10 lakh with 3 lakh deductible what will be my coverage 13lakh or 14 lakh?
Thanks in advance
Thanks Mam, very Informative video. My question is if we have to purchase base policy and Super top policy from different insurers (as Base policy company dont have Super top options), then whom do we submit original bills in case of claims ?
Original bills will be given to base insurance company and they will issue claim settlement letter which can be given to super top up company for pursuing
@@GurleenKaurTikku thanks much Mam for the revert 🙂
Agar base plan na le, to super top up le sakte hai?
If we have two super top-up how to claim
23/07/2023 mera base policy
Super top up 15/10/23 ka renuwal date hai
Mujhe kya karna chahiye
Hi Ma'am.
I have taken base plan & super top up from 2 different companies. My base plan covers deductable amt.
Suppose my claim amt is more than deductable , can I claim cashless treatment based on base policy and super top up policy. I assume that hospital is empanelled with both the insurance company.
Yes, you can claim
Care की मेरे पास फैमिली फ्लोटर 5 लाख का है..भगवान की कृपा से अभी तक कोई क्लेम नहीं लिया है..पिछले 6 साल से पॉलिसी चल रही है। सुपर टॉप अप प्लान लेना चाहता हूं..क्या केयर इंश्योरेंस के अलावा स्टार हेल्थ या किसी दूसरी कंपनी का ले सकता हूं।
या कौन सी लेनी चाहिए..plz सजेस्ट
Humko 365 days ka Travel insurance chahiyen ...kiya karu
Can we only buy Super Top up policy without a base plan? I am ready to pay deductible from my pocket, but need more coverage. Just thinking out loud. Happy to learn from other's experience.
Yes, can absolutely do that
I HV taken a Super Top up health policy for my daughter of 23 yrs 5lakh base policy +95 lakh super top up,from Policy bazar of Aditya Birla health insurance,both are from same company.
Here l like to ask from you that have done any wrong,taking this policy?
Secondly l was not aware of purchasing a policy.So I took this policy from Policy bazar.
Depending on their advise.But now I am afraid of doing so about any enquiry or any information to share with them.So please Guide me.
Last of all l like to say that l am 59 +yrs old.l HV gone through Enzioplasty in 2019 May.l like to purchase a health policy with my wife of 55 yrs.Which company and which plane will be suitable for us.
Care ki 25 lakh ki policy ki video banao mam... Care advantage 25 aur 50 lakh main kaun si ashi hai..
Thank you for the suggestion !
Will try to shoot a video soon :)
Keep Watching
Suppose 5 lac base and 10 lac super top up. Base khatam hone se refill hota he.. par super top up 10 lac eki ber me khatam hone se fir se auto refill hoga ke ?😮
Hi Gurleen, Thanks for this video actually good to know the traps. I have not yet taken any insurance policy as my company covers for that. Now i am looking for taking up a policy for my family ( 2+2). Pls suggest if i have to take only Super top up or Base + super top up. As you said, i am considering atleast 8-10 lacs of base policy & upto 50L of Super top up. is it correct decision ? Are govt insurance companies are good or Private insurance companies ?
You can call to her company number and they will guide you
Mam I have a policy HDFC My Health Medisure super top up floater kindly give details
What is your views on Navi health insurance??
We have shared a detailed video on Navi Health Insurance.
LINK : ua-cam.com/video/47BTRN_0KSQ/v-deo.html
If you still have any queries related to the plan, contact us on 9650706699
Thank you
🙂
*Super top up tabhi work krta hai ?. jb "deductible amount" / Base cover aap ne poora use na Kiya ho ?.
( Kuch to bacah ho base cover me )
Hello mam ...I would like to change my insurance policy...which is going to expire on August...I have health companion...is it possible to change in re assure..if yes then what I have to do..
Yes, it can be done.You can reach out to Niva Bupa's customer care , they will assist you
Mam, my mother is 56 years old. She already has a health insurance from Navi, but super-top up plans from Navi is expensive, compared to its peers. In such a case, would u advise to go for a super top up from another brand namely Care
It is advisable to have both from the same company as claim settlement is smoother
Hi Mam, I have a query.
In Max Bula reassure the amount is reinstated unlimited number of times. Now, if i buy 10 (Base Same Assured) + 90 (Super top up with 10 L Deductible) , then in a claim can a case arrive in which i have to pay the amount i.e. Super top up doesn't get triggered.
No, it will not happen if you are having base and super top up both taken at the same time.
Hi ma'am. My father has been renewing New India assurance company's policy since 10-15 years. This policy does not have a restoration feature. Should I change or should I keep on going with the same. And is there any suggestions for good companies providing with better policies?
Yes, Restoration is available in many health insurance plans now . We would like you to share some more details with us so that we can suggest a suitable plan.
Please connect with us on WhatsApp/Call at 9650706699
😊
Thank You
No need to change
Mam I have taken 15 lacks of super top-up of Max Bupa but I havent got the card of super top of the same
Check with customer care team once.
Also, you can find the same on Niva Bupa health application
Which health insurance company is better hdfc ergo vs Star health insurance?
We don't have any first hand experience with STAR yet but yes, HDFC ERGO is good 👍
Buy a plan that meets your requirements. If you need any assistance, feel free to connect with us on WhatsApp/Call at 9650706699
Thank you !
I already have a 8 L policy from Oriental Insurance which is expiring on Jan 10 and I am planning to buy a super top up. However, max companies have deductible of 5 L and then 10 L. If I opt for a 5 L deductible with a base cover of 8 L. How will the claims settle if top up is from Niva Bupa (Option I'm thinking to buy)
So, after base policy limit is exhausted, you can claim from super top up
Can I change Nivabupa Health Insurance Agent during policy renewal?
You can send an email to customer care, if your existing agent is active, an NOC is required from him/her.
If the agent is inactive, agent will be changed with your written request
@@GurleenKaurTikku Thank you mam
Thanks mam. Is top up policy have tax benefit?
Yes, the premium paid towards super top up policy can give you tax benefit u/s 80 D
I have my company group health insurance policy where me, spouse and both parents are added where the basic cover is 2lac each and also a family florar coverage of 12 lacs over and above the base limit.. so can I buy a super top up plan seperately? And if yes, will it cover all the four members and what will be the applicable deductable amount here?
Yes, a separate super top up plan can be bought, you can choose the deductible amount on your own, premium will vary accordingly
Hi.
Gurleen mam
I am currently in bcom 1st year
And I want to pursue CFP ..
Can u please throw some light on this topic especially the work experience 🙏
Please
Thanks
Will upload soon !
Thanks
Hi mam like my basic health insurance policy renewal dt is 27 August. And it is 4 yr old. Now I m planning to buy super top. As per what I understood the date on which I should buy super top is 27 August only.. or any date will be ok. Because my old policy is 4 yrs old. Pls advise.
Super top up date should be closer to the base policy date, you can buy now as well
6:47 Will it make any difference if super top date is after 2 months of base policy.
In my opinion base policy is also active at that time suppose base in June and top up in August, will it make any difference?,🥺🙏
So, if claim happens between June and august, then deductible will work accordingly.
How will these restore benefit work in case me and my whole family met with an accident and we have total claim of 8 lakh against my base policy of 5 lakh in the 1st year of policy in niva bupa health reassure/ health companion and optima restore?
For 5 lacs policy , if single person needs 8 lacs in the first claim, then it will not be paid
If it is for multiple holders, then it will refilled and used.
@@GurleenKaurTikku thanks mam. So if my first claim in accident is of 3 lalk for me and 3.5 lakh for my wife and daughter then it will get paid correct?
Your videos are too helpful and your replies are very fast
Mam waiting period in my current policy is 3 years, now I want to switch to another another company policy. Do I need to fulfil the waiting period conditions again ?
No, you don’t need to serve waiting periods again, continuity benefits will be carried forward to the new company
@@GurleenKaurTikku thanks 👍
SSA mam,
Agar abb humne alag alglag month mein le liya hai toh kya isse abb drop karke dubara same month mein le sakte hai?
Yes, you can do that
My base policy HDFC ERGO optima restore . This is family policy Two adult and one child for 5lac
Great 👍
Hello mam super top up policy port kar sakte हे
Yes, few companies allow super top up portability
Can I buy only super top-up policy with out base cover
Yes, you can
Being a banker,already having 4 lac medical scheme,which company can give me a good top up plan for family of 2 adult and 1 child.
36 yr,28 yr,4 yr
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.
If the baise policy is 7.5 lakh. so, is it possible can I purchase a top up policy as deductible on 5 lakh? Please guide me
Yes, you can
@@GurleenKaurTikku thanks for response me. Can you please help for the below query?
My main policy is niva bufa reassure and sum issured 7.5 lakh So, should I purchase a topup plan deductible on 10 lakh or 5 lakh as no any option deductible on 7.5 lakh.
मैम मेरा 1 लाख का हेल्थ इंश्योरेंस है जो मेरे कंपनी द्वारा कराया गया है तो क्या मैं सुपर top up प्लान ले सकता हु।
मैंने रिलायंस की हेल्थ पॉलिसी ले रखी है 2007 से 300000 का है मैं टॉपअप ले लूं कौन सा
From the same company
Care plus or Hdfc ergo secure comparison video banaiye
Thanks for the suggestion !
Will shoot a video soon 🙂
Isme better kon si hai??
Above 90 days stay
I dont have base policy, can i purchase super top up
No
@@GurleenKaurTikku u r wrong
Mem policy online le ya offline
Both the options are good. If you want to buy the policy, please share your basic details with us on WhatsApp/Call at 9650706699.
Our team may assist you.
Thanks
स्टार हेल्थ कंपनी का इन्शुरन्स कभी मत लेना, बहुतही घटिया कंपनी है, दावे बडे बडे करती है, लेकिन इन्शुरन्स क्लेम सेटल नही करती.
Aap palken bahut jhapkati h
Madam aap ne jo WhatsApp number de rakha hai apse kuch puchho to reply aap dete nahi Kewal boltee hai bas
Sorry, it must have been missed from our side.
You can just fill up this form & we will contact you directly. FORM LINK : hareepatti.com/contact-us/
Hi Mam, I have a query.
In Max Bula reassure the amount is reinstated unlimited number of times. Now, if i buy 10 (Base Same Assured) + 90 (Super top up with 10 L Deductible) , then in a claim can a case arrive in which i have to pay the amount i.e. Super top up doesn't get triggered.
No, it will not happen if you are having base and super top up both taken at the same time.