Ultimate Health Insurance Guide | The last video you need before buying policy!
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- Опубліковано 15 чер 2024
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Get Health Insurance from PolicyBazaar: health.lla.in/
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Chapters:
0:00 Intro
2:00 Why do you need Health Insurance?
2:39 Ideal cover for you
3:16 How much do premiums cost?
4:54 Family Floater vs Individual Plan
Biggest JHOLS you should know:-
6:46 Jhol #1
7:59 Jhol #2
9:33 Jhol #3
10:07 Horror of these 3 Jhols
Types of waiting periods:-
14:03 Waiting period type #1
14:48 Waiting period type #2
15:16 Waiting period type #3
15:37 Waiting period type #4
16:02 Restoration of sum assured
17:24 Zonal vs Pan India Policies
18:22 List of Exclusions
19:50 THIS IS UNACCEPTABLE!!
22:20 How to review policies & and find best features?
34:06 Continuity matters
34:28 Super Topup vs Topup
38:38 Corporate plan vs individual health policy
40:02 How to choose the best company?
42:46 Why should you learn this, and why did i publish this video?
Buying health insurance is the most the challenging part of your personal finance journey. This single video (can also be called health insurance masterclass) will teach you all the hidden conditions that exist in health insurance policies that no company would want you to know. You will also learn how to navigate and compare different health insurance policies, their features and benefits, and how to identify the best health insurance plans for you and your family.
I hope this adds value to your life, feel free to write your comments and questions below.
--Money Minded Mandeep!
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Read the detailed article here: labourlawadvisor.in/blog/heal...
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Shot & Edited by: Rohan Agarwal, Ikjot Singh, Himanshu Parmeshwar, Naveen Agarwal
Presented by: Money-Minded Mandeep
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#Healthinsurance #LLA
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Is NAVI Health insurance good?
@@ompatil214no go for hdfc optima secure
Sir please make video on scam of cashless claim and why reimburement is better than cashless
Thank God LLA is on our planet. You guys doing very good job. Your explanation are awesome 👍.
1. Sub Limit
2. Room Rent Cap
3. Co-Pay
4. Waiting Period - 30 days (exclude accidents)
5. Waiting Period - 90 days (maternity benefits)
6. Waiting Period for Pre Existing Diseases (3-4 years)
7. Waiting Period for Slow Growing Diseases (2 years)
8. Restoration of Sum Assured
9. Zonal/Pan India
10. Exclusions
11. Cashless + Reimbursement (Network & Non-network both)
12. Daycare
13. Continuity
14. Super top up
Thank you boss
which insurance to buy
Thank you very much bro for this ❤
@@lenin8734 Star Health Women Care is a great gift for your spouse.
Thanks
Very less channels talk in depth about insurance. LLA is not an organization. It is that part of my family for which I go to get answers for every govt/legal/law related questions.
You guys are doing so well. Keep it going!
Meanwhile, insurance companies be like: "Ye (LLA) toh dhoti khol raha hai😂"
Nahi. Insurance company can provide any service with extra premium. Premium badhega.. all claims will be paid
100%, but health insurance will not be affordable
Great info. Few points missed are:
1. While choosing best company, also look the hospital network in your city (or prospective area), bigger coverage better it would be.
2. While choosing best company, also look for claim settlement history of that company.
3. While choosing plans on Policy Bazaar, better to choose "Direct" plans. Its mentioned on plans direct. Direct plans have no commission of any middle man (like policybazaar).
Which insurance claims have you taken for your family?
Im watching yours videos in reverse series, yet with much adaptive condition. Thank you soo much for bringing out such underrated topic.
I spent two hours trying to understand health insurance on my own, but ended up getting confused. Your 45-minute video made everything crystal clear. I will call Policy Bazaar tomorrow and go with the best possible insurance. Thank you so much for your guidance!
Konsa lia fir
@@l3x475ultra legend 😂
If you wait for some days niva Bupa will bring goods insurance policy
Konsa liya fir ?
@@The_Tech_RisingManipal cigna health insurance
LLA & Pranjal Kamra helped me with purchasing the correct life insurance. Bank ke policy agents ghar pr aakr ULIP bechna chah rhe the ye sochke ki 22 saal ke bachha hai jhaanse me fs jayega. But thankfully TATA ki pure life insurance choose kri mene directly from their website online. Aur ab health insurance ki bhi video aagyi, so this is the next step.
Kitna ka liya cover ?
@@AnujNeogi-ih2dbterm insurance 1 cr
Mahine ka kitna laga ?
Thats good but try getting it from an agent or finanical advisors. They won’t mis-sell you. Bank wale toh chor hai
@@abhishekbhilwaria6333sabse bade chor agents hi hote hai
Unko kuch v bolo wo sabse pehle ulip bechte hai
Thank you so mandeep . This one topic always scares me and that’s why I don’t have any health insurance till today . I won’t say I understood fully , but most of the things were simplified. Thanks a ton for this video ❤
No word can describe the gratitude i am having for you for making this video. Just awesome and thank you!
It takes a lot of effort to make such an intricate video not only talking about the general guidelines to follow while buying health insurance but also the nuisances that we might easily miss during the purchase. Thanks Mandeep and the LLA team for such a detailed video, always a fan. Feels great to be Jagruk.
There was a time when I wanted such guidance on getting help to purchase a medical insurance. But there was no one to guide me. I learned all this on my own by making mistakes.
Its amazing that LLA team understand this problem an ordinary person faces only daily basis.
Kudos to LLA, and I feel happy that you are helping common people like us to understand. 👏👏
Absolutely amazing video !!! I have hardly seen such detailed analysis and helpful video on internet. Kudos to LLA. I have literally followed your advise, made notes and chose a new policy when earlier was due to expire.
You're doing an amazing social awareness work, thank you for educating me and many others.🙏🏼
Dear LLA team,
I want to say a huge thanks for your awesome help with financial and insurance stuff on your UA-cam channel. Your willingness to share all those useful details and tips is beyond cool. You're doing it selflessly, and it's making a real difference in helping folks like me make better choices. Seriously, you rock!
How to contact LLA team
@@volleyballshooting5818 k
@@volleyballshooting5818 k
The research you put in every video is really amazing..!!
Lot of appreciation to LLA..🎉
You are amazing. God Bless you and your team. This is the Only video (as per me) needed to know about Health Insurance and move forward in taking one.
I had so many confusions before purchasing health insurance, but after watching your video I feel very confident. thank you so much for all your hard work
For the first time in youtube, video title says exactly what is in the video. so well-guided information. thank you so much man.
Thank you LLA for explaining so much in such detail. Would love to hear more about the advice "Paying the bill by cash and then going for re-imbursement".21:37
After going through this video we can make informed decisions while choosing health insurance plans, insurance companies, what addons need to be selected etc.
Thanks a lot for all your efforts in making this video and enlightening us with all A to Z information about Health insurance.
Thanks for the brief knowledge its really confusing and hard decision for an individual to buy an insurance policy but you have covered all the important questions very well and explained there pros and cons, appreciate you hard work and wish you health and happiness!
Being a new comer in the salaried employee criteria, this video is a boon ❤ thanks a lot LLA 🎉
I genuinely appreciate how well you have explained everything in detail, while keeping it crisp and engaging the entire time. You've done a legit public service duty by making & publishing this video!
You’re doing a great work man! Really appreciate your work.
This video provides incredibly helpful insights into navigating the complexities of health insurance. The guidance offered here is invaluable for anyone looking to make informed decisions about their healthcare coverage. Thank you for simplifying such an important topic and empowering viewers to make the best choices for their health and financial well-being!
As a doctor ,consultant to a well known corporate, even i was not this clear as i am now after watching this video. My sincere thanks to the whole team.
I was waiting for this video for a long time. Please make some further videos detailing other things we should be careful about in health insurance plans.
One of the best and most comprehensive videos on Health Insurance. Immensely helpful! Thanks a lot for doing all the research and sharing all the knowledge.
One of the few channels where consuming information doesn't feel like being scammed. Great work!
Simple wordings, different scenarios, detailed narrative. Mandeep, you are a great teacher.👍🏽 Superb efforts Team LLA. 👌🏽
Dear LLA Team, very fortunate to consume your content. You are one of those UA-cam channels which talk about problems and their solutions based on facts and reality. Keep posting such insightful videos!
I watched this video once 7 months back when it came and noted all the points, now this video is very helpful when I have to port my health insurance so watching it again to refresh my memory. Thank you Mandeep.
Thank you soo much for bringing out such underrated topic. I have been trying to understand this stuff for 3 hrs, this was crystal-clear.
Thank you so much...! lot's of things I learnt from single video about health insurance... thanks again for awareness 👍🏻
Bro, I have been reaching out to so many people in my office and online, no help. But your video is so educational that now I can go and do my research myself and choose the best for me. This video is the true meaning of teaching students and making them self efficient so that they can take their own decisions. Awesome Bro. You are amazing!
Bro u are amazing, very few people have the capability of making someone understand such a difficult and complicated topic in such a easy and interesting way , thanks for making me choose the right policy , god bless you all
Watching 40+ min vid might be a task to find a time in our busy life, but just think the hours spent by the team LLA in framing the complete video. It’s worth the time spent. Thanks Mandeep, Rishabh, Sambhav and all back end awesome persons there.🎉
Dear Mandeep & LLA Team,
I want to say - you people are the saviors of our country, Your Insights are truly unbelievable, I admire your guidance on the Financial Awareness and Insurance .Your wisdom to surpass all minute details is beyond imaginary.I thank you and assist you by doing my parents Health Insurance from the link you mentioned in your video. Jai Hind !
What are you doing definitely makes huge difference to the world. Salute, Kudos & Blessings to Mandeep & the entire LLA Team (- -)
Faced the this insurance jhol from Star Health , parents were mis sold the policy, this video is a great guide and now I am buying policy again for parents. This financial knowledge should be provided in school and colleges.
Such an honest and comprehensive guidance video. Thank you as always!
This is my 1st ever comment on UA-cam. 45 mins of pure bliss of information. Thank you !
I have NEVER watched a full video on ANY TOPIC till day and watched it for every minute without speeding, forwarding and skipping one or other part. First time I have watched complete video of any youtuber. Absolutely loved it. The way you explained everything without any bias is JUST AMAZING.
sahi mein yrr
Same I usually watch videos at 2x speed 😅😅😅
Wow.. such a detailed video.. now I am downloading my policy document to understand more of my insurance and its loop holes instead crying after claim rejection.Thank you so much for the detailed video boss.
I usually don't like or bother to subscribe but this one is a well researched and sincerely curated content. My gratitude to you for spreading such comolex awareness in as lucid manner as you can.
I think this is the best ever analysis channel in financial matter ever.. and especially in terms of customers...
I hope your channel will get much much more support from public ❤❤❤
Excellent video Mandeep! I have availed a personal insurance along with corporate insurance considering the points you mentioned in this video and your previous brilliant educational video on health insurance. I have two imporant questions regarding the same
1. Does it make sense to avail corporate insurance first generally? I know some factors like choice of hospitals, rooms etc would affect the decision.
2. Let's say I claimed a corporate insurance for some hospitalisation, do we have to inform the other personal insurer about any hospitalisation that happened in the current year even if there is no claim from the personal insurance in that year?i
Love you so much, sir. You are a beauty. I had no idea about health insurance before watching this video. But after completing the video, I realized that you have made me capable of understanding how to choose a policy. A real teacher doesn't just provide answers; they make the student capable enough so that they never become foolish in front of anyone. You are a teacher like this."
I am a neuroscience researcher, and my studies are far from such much-needed commercial topics. Hence, these videos are a lifesaver for me. Even though we had financial literacy in our high schools, such educational videos are still super critical. Thanks!
I was under the illusion of corporate health insurance - "Yeh hai toh bahar se kya hi lena". This video is a good eye opener. Thanks for this detailed explanation LLA team.
aisa itna achcha se koi insurance samjane wala dekhaa bhai... salute 👌🏼👌🏼👌🏼👌🏼... itnaa deep hai ye ki mujhe 2-3 baar dekhnaa hi hoga puri tarah se dimag me ghusaane ke liye taaki main aas paas k logon yaa friends family ko v samjha saku...😇😇😇😇😇
Brother You Are Doing a Great Job By Educating People By Giving very useful info which insurance companies dont give. ...1000s salute to you ..... even 1000s salute are less
Wow man. Such wonderful and infrmative video. You answered my all questions. Aap jese logo ko dekhkar lagta he, duniyame insaniyat baki he abhibhi
❤Best video ever on Insurance company Scam... Worth every 1 minute of watching it.
Thank you So Much ❤
This is the ULTIMATE video, you need on health insurance. I consider myself financially prudent, but health insurance is seriously complicated, and I have to go thru 20 days research to purchase my plan. All that 20 days research is condensed into this 40 minute video, that too in a simplified manner... well done Mandeep.... #JagrukJanta
Which health insurance you choose?
@@debmalyadatta7699 pata chale toh mujhe bhi bata dena.
Which insurance did u choose then?
Niva Bupa Family floater of 10 lacs base sum assured + 90 lacs top-up
@@bhuvneshgaur604Yeh insurance mat Lena agar hospitalisation ka time Aaye to yeah bolegey ki pay Kardo reimburse Karengey Magar Aapka poora claim Reject Karengey
I am searching for different videos for health insurance and now finally i think i understand what points i have to note . Awesome video ❤
Recently got a job, and I am a complete newbie in the field of choosing medical insurance policies. Your videos are beneficial and make me confident to mindfully choose among the various options.😇😇
nefarious act between insurance companies and hospitals where consumer is grinded....gave me goosebumps I want to cry loud
Must watch video before taking health insurance.
Thank you Mandeep sir and team.❤
Need detailed video on Term insurance.
I watched this video 3 times. Noted down lot of points.
Great Work.
Thanks.
Love from Agartala.
Thanks boss...i was very confused about getting health insurance....your class was a great help for me
I am currently looking for health insurance and i have no idea what are the criterias to choose. This video helped me a lot. This is a gem of a channel . Thanks LLB
I've been diligently comparing health insurance options for a while, but I've been struggling to reach a final decision on the best choice. Fortunately, I had the opportunity to view your previous video on health insurance, and after watching this latest one, I finally feel confident enough to make an informed decision. The timing of this video release couldn't have been better for me. Thank you, Mandeep, and the entire LLA team. #JagrukJanta
which one did you buy
Super video. It was a much needed one. Thanks a ton! God bless you guys!
Thanks for making a video that has real life value, otherwise whole youtube is filled with majority of junk videos. This video was very informative, got to learn a lot. Wish you goodluck and keep up the good work. Hope to meet you someday!
Thank you for the most comprehensive information on Insurance. I am 62 year old and all this knowledge I got after going through some setbacks. Most insurance agents either do not have the knowledge of what they are selling or are simply selling the most profitable policies (to them and the company) at the expense of consumers. You have raised many point which make the journey of buying insurance clear. This video is like the headlights of a car that needs to go through the deliberately kept dark forest of insurance companies. Thank you so much. I am sure many people will benefit. I recommend everyone to see this video
My mother is 60 years old, now i want to take a policy for her can you suggest??
Really appreciate the efforts you put into teaching us the basics of navigating through financial decisions.
~from a 24yo
kuch mai duniya samajh aajeygi fhir ye comment padhna apna
@@Rishi2015 learn from various sources, but do what feels right for you and your situation. Nothing wrong in learning, but don't blindly follow without understanding. This is my policy.
Baaki, duniya ki poori samajh toh aaj tak kisi ko nahi aayi.
This Video helped me a lot to understand how insurance works and what to buy for self. Thanks Mandeep !!
I love your channel. You explain with such honesty
As a banker I appreciate your work brother.
Customer generally attract to the investment rather than health insurance.
Now I feel good to sell a health insurance to the customer❤
Because people know that there will be some JHOL in the insurance, and they will not get the full claim amount and benefits. You may say that the customers should know everything before buying insurance. Huh 😏. Not just insurance, most of all Indian companies are highly neglecting customer service and satisfaction. People believe the words of the agents but agents are not providing all the information. So, people know that they won't get full insurance benefits, and they look for investment because they hope/know that the investment amount will not be denied by the companies and it will help to cover medical expenses. Many people are buying insurance not to get insured, but to get exemption in tax, because of the non-ethical pathetic service by the insurance agents and companies.
Health insurance are biggest scams
Precise to the point video please release a video about " if company reject our policy so then what to do "
Thanks for such an informative video, I watched this video 4 months ago, but for some reasons, I couldn't buy a policy. But I decided to buy it today, and I visited this video to purchase it from your link. You should be appreciated for creating such informative videos. I bought HDFC ERGO base cover of 10lakhs and Niva Bupa Super topup of 40 lakhs for myself and I'll be buying a family floater for my mother and father next month hopefully. Thanks and regards
The title of this Video completely matches it's words .
Greatly appreciated ❤
Thanks Team LLA.✅
You guys made me jagruk when i bought my first term insurance. The most awaited video came thanks to Mandeep. Love you guys ❤
Which term insurance did you buy?
The most awaited video after Term insurance one! ❤
Thanks Man, you explained everything so well, I'm going to buy health insurance for my parents and this video provided me good understanding about choosing the right health insurance for my parents
Thats a really beautiful and informative video, liked and subscribed... Keep making those!!
i am a corporate employee with corporate insurance but decided to purchase personal Health insurance , this is the most informative video so far ...
Which one did u buy then?
Thanks Mandeep! This video is really helpful.
You have told us about day care treatment, recently I have came across one scenario like this. My uncle was working on iron cutting machines and accidentally some iron fillings get into his eyes, very deep.
So we went to Ahmedabad’s best eye hospital, Ratina foundation. And trust me they don’t have any bed for overnight hospitalisation. They simply treat patients in day and discharge them in the evening. We have paid over 1.5laks on that same day operation. But thankfully we do have day care cover in our insurance.
So the point of this story is, we think day care treatment will always be less like 10k or 20k but this is the clear case where it can cross more than 1.5laks😅
Thanks again for jagruking us❤️
Learned a lot and made notes,,
Ready to ask the Questions to the Health Insurance Customer care.
Thanks a lot for making this detailed video
Team LLA, you are doing such an amazing work. Can't thank you enough for this ❤
Great Content Mandeep Sir 🫡
I saw your previous video on Health insurance and have taken my first health insurance policy after detailed research. From this video I got to learn that we need to also investigate further and check the loop holes in the policy docs so that we don't have to cry 😭 later. Today I got to learn everything that is required to buy a health insurance policy and I will forward it further to my friends and family with this wealth of knowledge.
Thanks 😊
Which is the best in case of age 30
I still wonder why so less views are there on this insightful masterpiece
Thank you very much for this video man, If i've not seen your video, I might take some useless health insurance policy. Now I'll check all these params before taking any HI. Thanks Once again for making such informative video.
Thanks a lot... Love this video... Very educational... Ye video dekhne se phle bht i kum janta tha ... Ish video dekhne ke baad atleast itna to knowledge ho gyi ki kya kya check karna hai health insurance lene se phle.... thanks again 🎉❤❤
Thank God LLA is on our planet. You guys doing very good job. Your explanation are awesome 👍.
I am comparing health insurance since a week now but could not able to finalise which one is best for me. I have also watched your previous video on health insurance and now after watching this I feel I know enough to make the decision. This video is released just on right time for me. Thank You Mandeep and LLA team. #Jagrukjanta.
Finally which insurance you choosen?
Prashant it would be helpful for a lot of people if you could come back and comment here after you decide on which policy you will be proceeding.
Which company
Commenting here so i could know which company prashant has chosen.
Nice... Share here as well
What a detailed video and i am amazed that aapne itne saari cheezein batayein hain. Nobody does that . Amazing video. Keep up the good work I will surely go through the link. Thanks for sharing this 🎉🎉 this is really helpful.
Ye ek youtube pr aacha channel hai jo really logo financially educate krta hai jo ki india ko sabse jada jarurat hai thankyou team LLA,
Your educating youngsters like me to get ready to handle financial goals easily
भाई अब तो पॉलिसी बाजार वाले भी झूठ बोल कर पालिसी बेच रहे हैं
सही बोले भाई और एक बार इंक्वायरी भी कर दिया तो काल कर कर के परेशान कर देंगे
Yes bro
Ab to nhi .. hmesha se
Sahi kaha... Main check Kiya tha. .. bus ab to paresan hi ho rahi hai
Thanks. I had zero knowledge but now after watching this video, i can decide what are the key factors before taking health insurance.
Thank you Mandeep for sharing such detailed insights, I'm truly grateful to you 😊
My advice based on personal experience- *take a policy as soon as possible ,
*Disclose any pre existing illness , that even incudes findings in routine blood tests , only disclose those problems that you will be informing your doctor when admitted
* do not expect much from insurance unless 4 years of policy is over, insurance companies are working for profit not for your well being , but it can be helpful only if you have one
* always save money 3- 10 lakhs incrementally exclusively for health
* better stay away from star health
which policy should we take?
Star health and care health both are fraud company
Sir Please share a check list in Excel of the points we have to discuss with the policy advisor while taking insurance.
Amazing and To the point video.. Keep up the good work LLA team!
Thank you 🙏
People who are first generation educates hardly have this knowledge. Thank you so so much.
Both of you are actually helping the people.... Dil se respect bhai❤
I took Niva Bupa Health Insurance 3 year back based on my own research....And as you explained all these things, i can say this Insurance is meeting your all parameters......
Thankyou boss❤
Which policy you have please share
@@SantoshKumar-xm8cc Niva Bupa Health ReAssure
Company achi hai ki nhi bhai?
@@shubham943 Abhi tak toh achi hi hai... Claim lene pe pta chalega
@@SantoshKumar-xm8cc Re-Assured
Thank you for the knowledge about health insurance, I wasn't knowing anything about this, will choose wisely.
Truely great lesson on health insurace. Many thanks for your honest effort.