Sir firhsa kya content creation to promote policy bazaar .. seedha seedha logho ko policy bazaar ko use karna kai liya bola without telling which health insurance is best or top 5 ... Logho ko bola ki yah policy bazaar vala bataya gai then unhka affiliate link diya ... Mostly people will search google and click on google adwords and Google will earn and go to policy bazaar ... It's difficult to believe ki policy bazar sai sponsered nahi hai
Mujhe HLA-B27 positive hai ye ek health problem hai, autoimmune diseases, ya ankylosing spondylitis and reactive arthritis. Ka problem hai... Please mujhe ek health policy lena hai but policy bazar se kafi sara company try kiya but koi policy nahi de raha... Cigna ka policy mila ek agent se but lene k baad pata chala ki unhone mere problem k bare mein kuch kaha nahi company ko. Isliye us policy ko renew nahi kiya... Please guide kare main wait kar raha hoon.🙏
in case of health policy did day care cover the doctor fee , test fees ( some tests are very costly ) , and medication charges i have put my health insurance on hold because my friend claim got rejected because of day care rule his one day whole bill was 27k and his policy said that you have to take hospitalization and discharge receipt and it should be atleast 4 hours , one more question company me jo group insurance milta h aur individual insurance me kya difference hota h
I am Doctor Myself but knew not much despite having a policy since 13 years though never needed to claim it You cleared all My doubts thanks a lot we Share & Discuss your Video with our Team so all can benefit form this Wonderful Effort You have Put in
Don't discuss too much, then the companies will start making new rules which will be even more wicked and then we'll have to look for different conditions applied through microscope🤣🤣🤣
Last year mar. 22 . My room rent was 2400 (by hospital) for 4 days total 8800 rupee. But Care health cover 800 / day i.e my total room charge become 2400 fir 3 days. My sum assured was 10 lakh ..... Apart from this hospital charged 1000 per day oxygen charges without showing any standard charge list. And on discharge day they delayed so much that instead of 3 days admission it goes to 3.5 day (4 days round figure calculated later) And due to room rent hospital prepare bill apprx. 25000 but care health deducted and cleared 19000 bill. Well although I haven't paid any extra amount but hospital finance staff was not nice and saying next time we won't accept care health policy. Due to this next time in aug. 22 for same case we went to Govt. Hospital. Where total expense was almost 4-5 thousand. But care health was very well and professional.. Thanks to them
** Super Top up is very important because when a hospital sees that you have a huge base plan, they usually charge more and add more tests so they can grab as much money as they can, but if you've a limited base plan and add top up with it, hospital can't see the full amount you have so they charge less and don't usually add extra tests that you don't really need.
Hey Mandeep after studying all the points in the video I had purchased an health insurance policy of Star Health for my parents from policybazaar in 2021 July. Last week my mother was admitted in their network cashless hospital and the hospital insurance desk sent a request to STAR for claiming cashless facility. However Star sent a list of documents to be submitted by the hospital like past records scan reports and a biopsy report. Everything except the biopsy report was sent from the hospital since my mother had the surgery only on 14th and biospy result will take 10 days. But Star has now initially denied the cashless claim saying that required documents were not submitted. Here comes the policybazaar part. Hospital authorities asked us to consult with my agent as Star has denied the initial claim. And I called the relationship manager of policybazaar allotted to me. And funny enough that person said she is not my relationship manager and she will arrange a callback from the manager. Now if she was not my manager then why did PB sent tons of mails wishing me happy new year and all from her number mentioning her as manager. And I received the call after 2 hours. As you said in the video you need to know the mental state of the people in hospital and you said PB will help. Now the new person asked me to ask the hospital to sent the documents to policybazaar. Then I had to go to insurance desk and ask them to sent them to my agent which they said they wont as they are not authorized to share it with third parties. I called him again and mentioned this and now he was saying that yes they wont share since we are a third party. Then why the hell did he waste my time asking the hospital to sent it to them. Finally they allowed me to take pics of documents and I sent it to PB. Mind you this should be the job of claims department in PB and now I am doing their job. I called them and said I have sent the pics and this guy Karan(who asked me to sent pics) said Vaishnav will follow up on your case soon. Till now no guy by the name of Vaishnav has called me. Today is my mothers discharge date and we are again going to apply for cashless with a new set of documents. So the part where you said PB will be there with you during claim process is utter bullshit. Its just you vs the insurance company. I will update this comment after today. Edit : Cashless claim denied again. Nobody from PB came to the hospital/checked with me/followed up with me. Now will apply for reimbursement when I receive the biopsy reports. So Mandeep all the points regarding insurance is fine but everything in the video regarding policybazaar is bullshit. They allot a relationship manager to us and the person will never call us. What irritated me most was that their claims department straight up lies to you saying that you will receive an update in 1 hour. But from yesterday to today nobody called me and I ended up calling them 8 times and received no update. If the reimbursement comes through the first thing I am going to do is to change from PB to a local agent. Since your motto is Jagruk Janta I think it falls on you also to update your viewers on how PB really do their claims.
@Adolf H Update : Paid the bill and currently applied for reimbursement via my corporate plan. Apparently STAR has a 2 year waiting period on certain surgeries. Policybazaar manager called me 3 days before asking for feedback. I just said I am not in a mood to talk to them since they were not there when I needed them the most. Anyways when I renew my policy I will be shifting from them to local agent who helped me tremendously.
Personal experience with LLA.... I have been watching you guys correcting our knowledge for last year and a half, i have forced Tata AIA to correct my policy due to miscommunication that happed when i took the policy. They agreed and solved my concerns. I asked my concerns with my health policy provider as well and seems to be fine there. I would really like to request you to provide us information regarding other types of insurance, like accidental insurance, critical illness insurance etc. Who should take these and what things should be taken care while taking these policies.🙏
Hi Nikhil, Can you please share what clause of Tata AIA insurance have you got corrected from the company? I also have recently bought TATA AIA insurance. Please share.
I am a branch manager in SBI and selling Health Insurance since many years but didn't know about such technicalities. Now I will be able to better understand the product offered by my bank. Thank you
Hi Mandeep I appreciate your effort on this video. My self am a insurance professional am in to Health insurance since from very long back, I would also like to urge with IRDA why to link Roomrent with other treatments costs.I really like this point. Brother I would like to correct you on 1 Point that, Group policy cannot be converted to individual policies,this much am sure.Becos I tried with many of my clients. Porting or conversion of GMP are not allowed, you can recheck on this point. About policy Bazar, I feel happy that you got Good response, But brother beleive me I have many clients misguided & harassed by policy Bazar. So policy Bazar has got quite negative remarks, so I won't advise or recommend policy bazar. Really great work, Keep Rocking
I agree, policy baazar has bad reviews on quora. LLA please be a little more responsible while recommending any such platform, I used to trust you guys a lot. @LabourLawAdvisor
youtube is creating a difference with the help of you people. So much info in such structured manner and no money for it(for the viewers).Real thanks to you
So, this has been incredibly useful. I had almost finalized Tata AIG medicare plan but then I read my policy document and found "reasonable and customary clause". I found it there even though it was an individual policy. I then spoke to their customer care who did not have info about this clause. She complimented me on my knowledge and told me I was the first Customer who has asked this (Thank you LLA) She has now gone back to underwriter to see if they can remove this clause for Me. Thank you.
Hello Suraj, I am looking for medical insurance for my parents who have a lot of preexisting conditions. Could you tell me what you like about the Tata Aig?
@@0405divya yeah, that's a tough boat to sail. My mother has rheumotoid arthirtis and none of the companies had good plans for her. So, I opted for an group insurance super-top up policy provided by my alumni association. I also have my monther is also covered under my employee insurance. This is the hack I found, not sure if this is particularly useful.
So bro did they removed that clause for you specifically? or not. If not, Can you please share which medical insurance did you finally bought? I'm super confused with all these things. I need for my sister, individual.
Please note individual plans are standard products and such clauses are usually not waived off in retail products. Ask for the complete policy working of that plan in case of any doubt
This is the content what peoples need actually, because no one can do this such kind of hard research on health insurance data, except our beloved LLA team, Mandeep Bhai love you yrrr😇
Thankyou bhaiya!!!! apne jitne depth and achese samjaya utna toh koi apna bhi na kare. Itne simplified way mein aap jese guide karte ho kya hi batae ekdam trust sa baith jata h. As a student, your channel is the number one preference channel for any financial guidance that I need. Jabh koi sahise guide karne wala na mile tabh apka channel mila h ! Thanks again for offering this level reliability.
A highly complicated thing made very simple. Hell, the insurance was shocked when I asked him point by point all the things I need in a Health Insurance Policy. Kudos to the great work. Keep it up !
Best way to judge policy is to check with hospital's which company insurance settle with less hassle. I got feedback HDFCAGRO and TATAAIG from 2 hospitals.
In this video you have not mentioned two things; the claim settlement ratio of each company and claim on consumables (cotton, gauze, syringes, etc.). Also, despite having a cashless facility, most netwotk hospitals will still ask for a security deposit of 50k to 100k, which is 100% refundable.
Sir the knowledge you are providing is no less than SAMAJ SEWA in its true form. Salute you and your team, for helping us, common people. Thank You Very Much.
I always wonder why they don't teach us these topics in our educational institutions. Hats off to you for making such an elaborate and to the point video . I was about to buy my health insurance and this helps a lot . Thankyou for this super amazing video 🙏🏻🙏🏻🙏🏻
I've not seen such an elaborate and well-put video, even the description box is damn organized. The production quality of the video with multiple locations and multi-camera setup is something no one does. Cheers to the filmmaker in you. Thanks a ton, Mandeep bhai
Ohh..My god...I thought I knew a little about the health insurance but your research about the health insurance policies opened my eyes.. Great great video by LLA. Thank you so much.. Keep going on...Hats of to your hard work and dedication to bring awareness among common people.
Amazing video Mandeep, I appreciate it. I am 24 and currently looking for health insurance and this video help me to resolve all my doubts. UA-cam channels like yours are truly knowledgeable and impactful for a common man. I also do a pretty good amount of savings every month for my future goals because you guys spread good knowledge about savings. Thank you so much. Love from Jaipur.
I think you should take health insurance from Star Health insurance company because this company comes on number one in health sector .claim ratio is 100%
Excellent! Just realized how blindly I used to renew my policy without verfying these important facts. Thank you. Incidentally, can you include how to change from one Health Insurance provider to another for the existing policy holder?
I have been working in Health insurance since 13 years, Mandeep has covered all the topics,Inspite there are still many things which cant be covered in one video Excellent video Mandeep
Surgery or treatment charges are never linked to the room rent. Doctor visiting charges, consultation charges, medical supplies, equipment charges etc are only linked..
was in search of this level of clarification from so long.. thank you so much for hard work.. all the points provide a good way to start search of the desired product.. God bless..
Hey Mandeep, One more thing I wanted to clarify, the no claim bonus is up to 100% of your cover in most cases. I think this is something which should be kept in mind. Eg- If my policy is of 5lakh then maximum cover I will get is of 10lakhs.
Best content on health insurance on internet in India. I was confused after reading policy documents. Sharing requirements list with Policy bazaar is a smart idea Mandeep sir 😊🙏
Thank you LLA, for also providing caption support in your videos. I never understood the importance of captions in a video. But, recently I had to visit a insurance office and required some knowledge regarding health insurance. But, I was in train and it involved a lot of noise. The captions helped me understand the video with ease. Thank you
You guys are doing exemplary work by providing free, important and most useful information which actually is worth lakhs in valuation. Thanks a ton for providing such informative content and saving the time,effort and money of the ordinary people. God bless you. Keep progressing.
@@LabourLawAdvisor haha great to know.. Consuming knowledge is the new high for us.. thanks for making these videos. Our parents must have really struggled to get information which is available to us at our fingertips. Continue the good work..
I really want to meet the person who write such long policy as this skill of writting long will really help me in exams to fill many pages. And he is a pro in this 😂😂
My Doubt for Free health Checkup is . When we buy Health or Term life insurance . The Insurance company itself take a medical check up and based on the medical test they quote the premium . So they know all medical details about the person . Then why there is a need for free health checkup ( Only for Claim related disputes . for diseases if occurred after buying a insurance )
Being in insurance sector, sir I strongly believe, there is very little consciousness regarding taking of health insurance. People just don't understand the need of it, until they themselves get hospitalised. I must thank you sir for spreading the right message and with correct information and simple explanation. People should be aware what they are taking, terms and conditions, so that clear transparency should be there while claim settlement.
I am currently 18 years old and not even earning anything but thing is that ,my Family is a victim of this Barbaric Insurance policies and due to that we are still suffering,but thing is that I am glad to see videos like this which can spread awareness and I am glad to know more and more about it so that in future I won't repeat the same mistake
1. room rent cap? should not be 1% linked with base cover 2. sub limit on diseases - should not be there 3. co pay should not be there 4. zonal poilcy nahi honi chahiye go for pan india policy 5. reasonable and customery clause nahi honi chahiye - ki agr saste mei ilaj hoskta tha to utna hi denge 6. top up nahi super top up leneka 7. pre hospitalization and post hospitalization kitne din ka hai? 8. daycare coverage? 9. waiting period? 10. pre existing disease ka 11. waiting period? 12. slow growing disease 13. waiting period? 14. no claim bonus? 15. ambulance charges? 16. cashless hospitalization? 17. free health checkup? har saal karwae or file mei lga k rakhe
If someone diagnosed some illness (say TB) about 4-5 years ago and being minor dependent ward, was treatment from CGHS empanelled hospital & completely cured for that. Since then, the person (who is nor adult & no more dependent) neither faced any TB-related nor any other medical complications. My question is why & how that person could be subjected to "mandatory waiting period for 3-4 years" for that particular disease. Besides, you or any of your viewer/subscriber could elaborate on this.
Mandeep i dont have words to appreciate you and youtubers like you who are helping millions of people in making money and choosing best insurance for themselves. You are spreading much needed awareness in indians which our ancestors never had, you are also saving millions of lives by guiding people to take the best options available. We neeeded people like you who tell the truth, you are not only doing your job but you are also doing social work. Never change always be like you are.
There are so many youtube channels out here but never have i seen as much honesty and care reflecting through them as i see through Mandeep. Thank you 🌸
thanks LLA. I personally went through all these problems during the recent admission of my relative ,who happens to be working in a pvt company with a 2 lakhs cover from the company. Total expense was 40K out of which I ended up paying 40per cent. I was searching for guidance for a health insurance policy. Luckily I saw this video ( few other videos of LLA i have also seen). Thanks for detailed analysis. It will be of great help when i go for a new policy.🙏
Thx a lot for clearing so many doubts sir, and hats off for the research you did for this video. Just 2 more doubts left : 1) difference between super top and taking one more independent policy. 2) should we taking riders with health insurance or term insurance (you may make a video on this)
1. Super top-up is cheap and doesn't come with restrictions, which is why we take that and not a 2nd base policy. 2. You may opt for rider, or you can take standalone policies such as critical illness policy
Super topup is very cheap if you compare the premium of higer sum assured policy at higher age and a base policy with super topup the difference will be to high at age above 60
Some policies provide riders such as cancer ... covering Consumebeles items like stringe cotton ppe kit etc and many more company wise some riders are good .. of I will explain productwise money minded Mandeep will delete my comment because he wants you to call policy bazar through his affiliate link
Super top up lena tab hi zaruri hai jab aapka basic plan bahut kum ka hoga. Rider woh lene chahiye jo aage fayde denge such as Claim protector, Sum insured protector, Critical illness cover etc. invest2createwealth@yahoo.com
Buy atleast 25lakh floter or individual according to ur budget bcz now medical cost increasing 9 to 10 % per year And most important dnt depend on group Helath insurance it can not be converted in retail (Individual or Floater) Policy And one more thing for critical illness waiting is only 30 days if ur healthy
As i am a health insurance advisor of brand company you covered all important and relevant points. People also must go to trust of company like claim settlement ratio not low premium.
Wow! Got this video recommendation at very right time, I am going to take a health insurance policy tomorrow, now I will ask all these questions. Thank you very much for this very important video!!!
sir, last year, You had made a vdo with live discussion with NAVI Health Insurance Head, wherein you had revealed that NAVI is honest in their policies. Based upon this, i purchased a NAVI health insurance in April 2022. My policy no SA000Z10. The policy clearly mentioned that No Claim Bonus (NCB) will be added to the sum insured (SI) during renewal of policy. Now during renewal, they are blatantly communicating that NCB cannot be claimed as the policy doesn't have this provision & the same has been discontinued by NAVI. My policy has the condition that NCB will be added to SI for renewal of policy. But However even today, the NAVI official website blog itself says that NCB will be added to sum insured (SI). Sir, looks like your vdo conversation with the NAVI head ...has been taken out by you from your UA-cam channel as i could not find that vdo on your UA-cam channel list. Sir, I'm feeling cheated. Please introspect your association with NAVI as it is gonna mislead many innocent people into taking NAVI health insurance.
I’m your loyal subscriber. Please help me out. My mother in law is falling for the “old coin buyer scam” on social media. She is very stubborn and not listening to my reasoning. Please make a video exposing this scam, so I can save her the trouble.
Sorry bro. Still, watch this video and check whether you bought the right plan or not. If not, then you still cancel and get the full refund back (15 days free look period means you can ask for full refund) and get the right plan
Why shall not the government provide the health benefits for all for their citizens up to a sum of Re.500,000/- per family of ४-५. As per state/provincial law it must be mandatory for all the citizens to yearn for a good health services which Govt. take pledge of and have the same obligations towards their citizens. Our government is doing really well for us here. १) They cover all the health expenses including -bedding charges, tests and surgeries except medications to all the govt. insured hospitals and medical institutions, but one thing the affiliated hospital/health institutions/health posts require recommendation/referral token for insurance from local hospitals for higher referral to affiliated big health institutes/hospitals.. Jay 🇳🇵.
Delay to h lakin great content take time aur dekh kar laga bhi, yeh video kafi confuse karne wali thi but thanks Mandeep bhai ❤️ kafi dino se wait kr rha tha
Please elaborate on PPN package by GIPSA. Even if the policy does not have sub-limits, the insurers are making us pay because they don't admissible claim beyond the agreed limit with the hospital. So even of you have a cashless claim, you end up paying more of the share of the claim. This issue is not highlighted while purchasing the policy and only is made realised when claim is made. This is total shock!
This is awesome work. Rather, I'd say this video as a complete guide on health insurance. I took notes after so many years! Thank you for sharing with us and creating awareness. Appreciate your work.
Wonderful what a coincidence sir.from last few couple of days I was thinking about health and life insurance and you made video on that thanks 🙏 “Dil se dil ka rista”
Bhaiya mai khud Apollo hospitals Bilaspur Chhattisgarh me cashless processe krta hu apki videos dekh kr patient party ko samjhane me bahut help ho jati h thank you brother 👍👍😀
Hi Mandeep & Team Hope you read this comment. Please make a video as to whether one should port from a government company health insurance to a private company health insurance, also on it's pros and cons and the challenges which we might face later in an untoward incident and have to take a claim. Please do make a video on this topic ,it will help a lot of people.
Thanks for the video, I was searching for policies for my parents since 3 weeks.. This video has given me more insights else I would have gone for those policy which my were friends or agents suggest. Thank u team 👍.
@@gayatri7012 Hi, Yes, I got different insurance policies for my parents. I had got only one option for my Dad ( Aditya Birla ) ..Since my Dad is having diabetes and under medication. For my mother I got from Star health Insurance which had more network hospitals in place. You may take get many other options if your parents are not having any medical conditions.
Cashless is of no use during accidents as we reach hospital in odd time and the TPA office is closed so no cashless is entertained. I personally experienced this and had to pay a deposit even in a network hospital with cashless facility.
Health Insurance: health.lla.in
Term Insurance: term.lla.in
COURSES: lpti.lla.in
Health insurance mei doctor visiting fees and medicine ka paisa include hota hai kya? Please batao.
Mera income 10400 hai .uss mei sei kya bachau ,kya insurance lu ya fir investment karna chahiye .please batao
Sir firhsa kya content creation to promote policy bazaar .. seedha seedha logho ko policy bazaar ko use karna kai liya bola without telling which health insurance is best or top 5 ... Logho ko bola ki yah policy bazaar vala bataya gai then unhka affiliate link diya ... Mostly people will search google and click on google adwords and Google will earn and go to policy bazaar ... It's difficult to believe ki policy bazar sai sponsered nahi hai
Mujhe HLA-B27 positive hai ye ek health problem hai, autoimmune diseases, ya ankylosing spondylitis and reactive arthritis. Ka problem hai... Please mujhe ek health policy lena hai but policy bazar se kafi sara company try kiya but koi policy nahi de raha... Cigna ka policy mila ek agent se but lene k baad pata chala ki unhone mere problem k bare mein kuch kaha nahi company ko. Isliye us policy ko renew nahi kiya... Please guide kare main wait kar raha hoon.🙏
in case of health policy did day care cover the doctor fee , test fees ( some tests are very costly ) , and medication charges i have put my health insurance on hold because my friend claim got rejected because of day care rule his one day whole bill was 27k and his policy said that you have to take hospitalization and discharge receipt and it should be atleast 4 hours , one more question company me jo group insurance milta h aur individual insurance me kya difference hota h
I am Doctor Myself but knew not much despite having a policy since 13 years though never needed to claim it You cleared all My doubts thanks a lot we Share & Discuss your Video with our Team so all can benefit form this Wonderful Effort You have Put in
Zindagi bhar bas bio padte rahoge toh kaise pata chalega bhai
Don't discuss too much, then the companies will start making new rules which will be even more wicked and then we'll have to look for different conditions applied through microscope🤣🤣🤣
@@bhaveshpingale5941 nahi padhe to aap jaise logon ki treat aise karenge!?
Awesome video
Meri family m 3 sibling or parents hai to hme konsa premium plan best rhega koi bta skta h please
Wish we had such teachers in every school for financial independence.
Loved this video. Very helpful and informative.
Last year mar. 22 . My room rent was 2400 (by hospital) for 4 days total 8800 rupee. But Care health cover 800 / day i.e my total room charge become 2400 fir 3 days. My sum assured was 10 lakh .....
Apart from this hospital charged 1000 per day oxygen charges without showing any standard charge list. And on discharge day they delayed so much that instead of 3 days admission it goes to 3.5 day (4 days round figure calculated later)
And due to room rent hospital prepare bill apprx. 25000 but care health deducted and cleared 19000 bill. Well although I haven't paid any extra amount but hospital finance staff was not nice and saying next time we won't accept care health policy.
Due to this next time in aug. 22 for same case we went to Govt. Hospital. Where total expense was almost 4-5 thousand.
But care health was very well and professional.. Thanks to them
Which city are you from?
** Super Top up is very important because when a hospital sees that you have a huge base plan, they usually charge more and add more tests so they can grab as much money as they can, but if you've a limited base plan and add top up with it, hospital can't see the full amount you have so they charge less and don't usually add extra tests that you don't really need.
very good point
Hey Mandeep after studying all the points in the video I had purchased an health insurance policy of Star Health for my parents from policybazaar in 2021 July.
Last week my mother was admitted in their network cashless hospital and the hospital insurance desk sent a request to STAR for claiming cashless facility. However Star sent a list of documents to be submitted by the hospital like past records scan reports and a biopsy report. Everything except the biopsy report was sent from the hospital since my mother had the surgery only on 14th and biospy result will take 10 days. But Star has now initially denied the cashless claim saying that required documents were not submitted.
Here comes the policybazaar part. Hospital authorities asked us to consult with my agent as Star has denied the initial claim. And I called the relationship manager of policybazaar allotted to me. And funny enough that person said she is not my relationship manager and she will arrange a callback from the manager. Now if she was not my manager then why did PB sent tons of mails wishing me happy new year and all from her number mentioning her as manager.
And I received the call after 2 hours. As you said in the video you need to know the mental state of the people in hospital and you said PB will help. Now the new person asked me to ask the hospital to sent the documents to policybazaar. Then I had to go to insurance desk and ask them to sent them to my agent which they said they wont as they are not authorized to share it with third parties. I called him again and mentioned this and now he was saying that yes they wont share since we are a third party. Then why the hell did he waste my time asking the hospital to sent it to them. Finally they allowed me to take pics of documents and I sent it to PB. Mind you this should be the job of claims department in PB and now I am doing their job. I called them and said I have sent the pics and this guy Karan(who asked me to sent pics) said Vaishnav will follow up on your case soon. Till now no guy by the name of Vaishnav has called me.
Today is my mothers discharge date and we are again going to apply for cashless with a new set of documents. So the part where you said PB will be there with you during claim process is utter bullshit. Its just you vs the insurance company. I will update this comment after today.
Edit : Cashless claim denied again. Nobody from PB came to the hospital/checked with me/followed up with me. Now will apply for reimbursement when I receive the biopsy reports. So Mandeep all the points regarding insurance is fine but everything in the video regarding policybazaar is bullshit. They allot a relationship manager to us and the person will never call us. What irritated me most was that their claims department straight up lies to you saying that you will receive an update in 1 hour. But from yesterday to today nobody called me and I ended up calling them 8 times and received no update.
If the reimbursement comes through the first thing I am going to do is to change from PB to a local agent. Since your motto is Jagruk Janta I think it falls on you also to update your viewers on how PB really do their claims.
Thanks for telling truth of pb sir's had doubt about them too
How does TPA help
@Adolf H Update : Paid the bill and currently applied for reimbursement via my corporate plan. Apparently STAR has a 2 year waiting period on certain surgeries.
Policybazaar manager called me 3 days before asking for feedback. I just said I am not in a mood to talk to them since they were not there when I needed them the most. Anyways when I renew my policy I will be shifting from them to local agent who helped me tremendously.
Thanks for exposing policy bazaar
He liked everyone s comment but not urs, not even replied
Sleeping IRDAI..Very well said Mandeep bhai.
Logical thinking if had persisted we would had better healthcare and educational facility in our country
Personal experience with LLA....
I have been watching you guys correcting our knowledge for last year and a half, i have forced Tata AIA to correct my policy due to miscommunication that happed when i took the policy. They agreed and solved my concerns.
I asked my concerns with my health policy provider as well and seems to be fine there.
I would really like to request you to provide us information regarding other types of insurance, like accidental insurance, critical illness insurance etc. Who should take these and what things should be taken care while taking these policies.🙏
Hi Nikhil, Can you please share what clause of Tata AIA insurance have you got corrected from the company? I also have recently bought TATA AIA insurance. Please share.
I have never learned about insurance with THIS level of depth. Loved how it was all straight-to-the-point and so informative! Definitely worth a like!
I am a branch manager in SBI and selling Health Insurance since many years but didn't know about such technicalities. Now I will be able to better understand the product offered by my bank.
Thank you
Pls be vigilant. U may be a last ray of hope to someone.
Are you ashamed of yourself?
Hi Mandeep I appreciate your effort on this video.
My self am a insurance professional am in to Health insurance since from very long back, I would also like to urge with IRDA why to link Roomrent with other treatments costs.I really like this point.
Brother I would like to correct you on 1 Point that, Group policy cannot be converted to individual policies,this much am sure.Becos I tried with many of my clients. Porting or conversion of GMP are not allowed, you can recheck on this point.
About policy Bazar, I feel happy that you got Good response, But brother beleive me I have many clients misguided & harassed by policy Bazar. So policy Bazar has got quite negative remarks, so I won't advise or recommend policy bazar.
Really great work, Keep Rocking
not policy bazzar then what should i prefer for health insurance ?
@@napiergrass8717 Go to your nearest police agent or office & make sure all needs criteria will fulfill their policy
हर चीज ऑनलाइन अच्छी नही...बड़ी कम्पनियो के अलावा भी देश मे कई लोग है...जिन्हें रोजगार की आवश्यकता है...
Correct policy bazar is total fraud
I agree, policy baazar has bad reviews on quora. LLA please be a little more responsible while recommending any such platform, I used to trust you guys a lot. @LabourLawAdvisor
This videos shows that most insurers are covering up ways NOT to pay or pay fully. Thanks to people like you and Swati madam to open our eyes.
M̶o̶s̶t̶ EVERY insur... NOT to pay...
because, "This is Business."
youtube is creating a difference with the help of you people. So much info in such structured manner and no money for it(for the viewers).Real thanks to you
So, this has been incredibly useful. I had almost finalized Tata AIG medicare plan but then I read my policy document and found "reasonable and customary clause". I found it there even though it was an individual policy.
I then spoke to their customer care who did not have info about this clause. She complimented me on my knowledge and told me I was the first Customer who has asked this (Thank you LLA) She has now gone back to underwriter to see if they can remove this clause for Me.
Thank you.
Hello Suraj, I am looking for medical insurance for my parents who have a lot of preexisting conditions.
Could you tell me what you like about the Tata Aig?
@@0405divya yeah, that's a tough boat to sail. My mother has rheumotoid arthirtis and none of the companies had good plans for her. So, I opted for an group insurance super-top up policy provided by my alumni association. I also have my monther is also covered under my employee insurance. This is the hack I found, not sure if this is particularly useful.
So bro did they removed that clause for you specifically? or not.
If not, Can you please share which medical insurance did you finally bought? I'm super confused with all these things. I need for my sister, individual.
Please note individual plans are standard products and such clauses are usually not waived off in retail products. Ask for the complete policy working of that plan in case of any doubt
This is the content what peoples need actually, because no one can do this such kind of hard research on health insurance data, except our beloved LLA team, Mandeep Bhai love you yrrr😇
Thankyou bhaiya!!!! apne jitne depth and achese samjaya utna toh koi apna bhi na kare. Itne simplified way mein aap jese guide karte ho kya hi batae ekdam trust sa baith jata h. As a student, your channel is the number one preference channel for any financial guidance that I need. Jabh koi sahise guide karne wala na mile tabh apka channel mila h ! Thanks again for offering this level reliability.
A highly complicated thing made very simple. Hell, the insurance was shocked when I asked him point by point all the things I need in a Health Insurance Policy. Kudos to the great work. Keep it up !
Without watching giving a like ✌🏻🙏 thats d kind of trust you have gained for the people 🤝
This is one of the few videos that I will make notes in my diary and save it for the future for me and for others
Same bro
Best way to judge policy is to check with hospital's which company insurance settle with less hassle. I got feedback HDFCAGRO and TATAAIG from 2 hospitals.
In this video you have not mentioned two things; the claim settlement ratio of each company and claim on consumables (cotton, gauze, syringes, etc.). Also, despite having a cashless facility, most netwotk hospitals will still ask for a security deposit of 50k to 100k, which is 100% refundable.
Have only watched it for 5 mins, but am already blown away by the editing and the creativity of dealing with this really hard topic. Awesome job!
This video is the prime example of how a boring topic can be made interesting and exciting!
Thank you so much 🔥❤️
disrespect in a respected way is the prime example of your comment
*Exciting !
Yesss
@@prashantkumar2555 lol
Sir the knowledge you are providing is no less than SAMAJ SEWA in its true form.
Salute you and your team, for helping us, common people.
Thank You Very Much.
I always wonder why they don't teach us these topics in our educational institutions. Hats off to you for making such an elaborate and to the point video . I was about to buy my health insurance and this helps a lot . Thankyou for this super amazing video 🙏🏻🙏🏻🙏🏻
सर आपकी मेहनत को प्रणाम
आपके समझने का तरीका हम जैसे किसानों को भी समझ आ गया। इसे कहते है एक अच्छा शिक्षक और वक्ता।
you have set example on how to simplify your needs for health insurance.
Hats off for your hard work and clear presentation👍🏻
Salute to Labour Law advisor team, Hats off.
I've not seen such an elaborate and well-put video, even the description box is damn organized. The production quality of the video with multiple locations and multi-camera setup is something no one does. Cheers to the filmmaker in you.
Thanks a ton, Mandeep bhai
true , great content video !
Ohh..My god...I thought I knew a little about the health insurance but your research about the health insurance policies opened my eyes..
Great great video by LLA. Thank you so much.. Keep going on...Hats of to your hard work and dedication to bring awareness among common people.
I was searching for the most detailed analysis of Health insurance. I didn't knew even basics...this video helped the most
Amazing video Mandeep, I appreciate it. I am 24 and currently looking for health insurance and this video help me to resolve all my doubts. UA-cam channels like yours are truly knowledgeable and impactful for a common man. I also do a pretty good amount of savings every month for my future goals because you guys spread good knowledge about savings. Thank you so much. Love from Jaipur.
Love received, in Jaipur 🔥❤️
I think you should take health insurance from Star Health insurance company because this company comes on number one in health sector .claim ratio is 100%
Thankyou Mandeep bahut hi sahi tarike se ek ek point clear Kiya.
P s bindra from raipur
@@himanshithakur9597 Their services have drastically gone down after the IPO release.
@@thequirkymusafir did you seen that in corona time only the star health insurance company were helping and that time company provides 7cr. Claim
Excellent! Just realized how blindly I used to renew my policy without verfying these important facts. Thank you.
Incidentally, can you include how to change from one Health Insurance provider to another for the existing policy holder?
Yes you can easily change.
@@priyanjalisingh1120 how?
I have been working in Health insurance since 13 years, Mandeep has covered all the topics,Inspite there are still many things which cant be covered in one video
Excellent video Mandeep
Pls highlight such uncovered aspects
App hi bata do na bhai
क्या जबरदस्त समझाया भाई, पुरा दिमाग मे घुस गया। सारे points cover कर लिये। This is the final video. My search ends here. Thanks to you !
This video is the reason why LLA stands out from all other financial channels.
You'll reach many great heights. Keep doing the work.
Surgery or treatment charges are never linked to the room rent. Doctor visiting charges, consultation charges, medical supplies, equipment charges etc are only linked..
was in search of this level of clarification from so long.. thank you so much for hard work.. all the points provide a good way to start search of the desired product.. God bless..
Hey Mandeep, One more thing I wanted to clarify, the no claim bonus is up to 100% of your cover in most cases. I think this is something which should be kept in mind. Eg- If my policy is of 5lakh then maximum cover I will get is of 10lakhs.
Yes Very right
Yeah
Best content on health insurance on internet in India. I was confused after reading policy documents. Sharing requirements list with Policy bazaar is a smart idea Mandeep sir 😊🙏
Thank you LLA, for also providing caption support in your videos. I never understood the importance of captions in a video. But, recently I had to visit a insurance office and required some knowledge regarding health insurance. But, I was in train and it involved a lot of noise. The captions helped me understand the video with ease.
Thank you
You guys are doing exemplary work by providing free, important and most useful information which actually is worth lakhs in valuation.
Thanks a ton for providing such informative content and saving the time,effort and money of the ordinary people.
God bless you.
Keep progressing.
Watching Labour Law videos at 2 am instead of binge watching Netflix- how times change.. #growingup
Reading comments at 2 am instead of binge-watching Netflix ❤️😀
@@LabourLawAdvisor haha great to know.. Consuming knowledge is the new high for us.. thanks for making these videos. Our parents must have really struggled to get information which is available to us at our fingertips. Continue the good work..
age pls...iam doing the same and i want to know are you late in life or am i?
@@sandeepdamseth1833 I m 30. Let me know yours as well.
@@Shreyarora1 iam late brother..34
I really want to meet the person who write such long policy as this skill of writting long will really help me in exams to fill many pages.
And he is a pro in this 😂😂
By far THE BEST video on BUYING HEALTH INSURANCE. Thank you very much for explaining each and every thing specially those LOCHA/SCAMS in very detail.
My Doubt for Free health Checkup is . When we buy Health or Term life insurance . The Insurance company itself take a medical check up and based on the medical test they quote the premium . So they know all medical details about the person . Then why there is a need for free health checkup ( Only for Claim related disputes . for diseases if occurred after buying a insurance )
Being in insurance sector, sir I strongly believe, there is very little consciousness regarding taking of health insurance. People just don't understand the need of it, until they themselves get hospitalised.
I must thank you sir for spreading the right message and with correct information and simple explanation. People should be aware what they are taking, terms and conditions, so that clear transparency should be there while claim settlement.
I wanted m planning to buy health insurance. Perfect timing of video. Thanks
I had seen many videos on youtube related to "How to buy Health Insurance?" I must say this was the best informative video. You covered all points.
I am currently 18 years old and not even earning anything but thing is that ,my Family is a victim of this Barbaric Insurance policies and due to that we are still suffering,but thing is that I am glad to see videos like this which can spread awareness and I am glad to know more and more about it so that in future I won't repeat the same mistake
What happened, if you can share others will be protected
yes please share what happened in your case. It can be helpful for many like us.
1. room rent cap? should not be 1% linked with base cover
2. sub limit on diseases - should not be there
3. co pay should not be there
4. zonal poilcy nahi honi chahiye go for pan india policy
5. reasonable and customery clause nahi honi chahiye - ki agr saste mei ilaj hoskta tha to utna hi denge
6. top up nahi super top up leneka
7. pre hospitalization and post hospitalization kitne din ka hai?
8. daycare coverage?
9. waiting period?
10. pre existing disease ka 11. waiting period?
12. slow growing disease 13. waiting period?
14. no claim bonus?
15. ambulance charges?
16. cashless hospitalization?
17. free health checkup? har saal karwae or file mei lga k rakhe
Thank you
Blown away by this video.. the way you convey information is excellent. Thank you so much
This guy deserves an award...
IRDA - Sun Raha hai na tu...?
If someone diagnosed some illness (say TB) about 4-5 years ago and being minor dependent ward, was treatment from CGHS empanelled hospital & completely cured for that. Since then, the person (who is nor adult & no more dependent) neither faced any TB-related nor any other medical complications. My question is why & how that person could be subjected to "mandatory waiting period for 3-4 years" for that particular disease. Besides, you or any of your viewer/subscriber could elaborate on this.
Mandeep i dont have words to appreciate you and youtubers like you who are helping millions of people in making money and choosing best insurance for themselves. You are spreading much needed awareness in indians which our ancestors never had, you are also saving millions of lives by guiding people to take the best options available. We neeeded people like you who tell the truth, you are not only doing your job but you are also doing social work. Never change always be like you are.
There are so many youtube channels out here but never have i seen as much honesty and care reflecting through them as i see through Mandeep.
Thank you 🌸
Thanks you so much, means a lot ❤️
Hi, I think "Incurred Claim Ratio" should also be kept in mind when selecting Health Insurance Policy.
Incurred claim ratio is used to check the profitability of a group health policy.
I believe you meant claim settlement ratio
No I think no need
@Ajay Kumar and why do you think so?
Being a noob in this field
I sincerely thank you so much for clearing all my doubts about health insurance ❤️
Sir आपने बहुत ही जागरूक करने का काम किया है बहुत बहुत धन्यवाद
thanks LLA.
I personally went through all these problems during the recent admission of my relative ,who happens to be working in a pvt company with a 2 lakhs cover from the company. Total expense was 40K out of which I ended up paying 40per cent.
I was searching for guidance for a health insurance policy. Luckily I saw this video ( few other videos of LLA i have also seen).
Thanks for detailed analysis. It will be of great help when i go for a new policy.🙏
Thx a lot for clearing so many doubts sir, and hats off for the research you did for this video.
Just 2 more doubts left :
1) difference between super top and taking one more independent policy.
2) should we taking riders with health insurance or term insurance (you may make a video on this)
1. Super top-up is cheap and doesn't come with restrictions, which is why we take that and not a 2nd base policy.
2. You may opt for rider, or you can take standalone policies such as critical illness policy
Super topup is very cheap if you compare the premium of higer sum assured policy at higher age and a base policy with super topup the difference will be to high at age above 60
Some policies provide riders such as cancer ... covering Consumebeles items like stringe cotton ppe kit etc and many more company wise some riders are good .. of I will explain productwise money minded Mandeep will delete my comment because he wants you to call policy bazar through his affiliate link
Super top up lena tab hi zaruri hai jab aapka basic plan bahut kum ka hoga.
Rider woh lene chahiye jo aage fayde denge such as Claim protector, Sum insured protector, Critical illness cover etc.
invest2createwealth@yahoo.com
Proportionate deduction clause for room rent is not applicable on overall claim
Sir, can you make detail video on health insurance portability? Terms and conditions that we need to know while switching.
Hello, I think a important point while taking a policy is restoration benifits. Thats something one should really look into while taking a policy.
Buy atleast 25lakh floter or individual according to ur budget bcz now medical cost increasing 9 to 10 % per year
And most important dnt depend on group Helath insurance it can not be converted in retail (Individual or Floater) Policy
And one more thing for critical illness waiting is only 30 days if ur healthy
As i am a health insurance advisor of brand company you covered all important and relevant points.
People also must go to trust of company like claim settlement ratio not low premium.
Appreciate your hard work from bottom of my heart..❤️🙏🙏🙏🙏
Been watching so many videos to clear out my confusions regarding this. Trust me guys! This is by far the best video I have found. So helpful. Thanks
Best video on health insurance. Didn't knew about the Room Rent Capping.
Iss video ko like karne iccha 2-4 baar ho gayi par apsos ekk hi baar kar sakte hai 😅.
You are doing a great job people.
Based on personal experience, Group insurance to individual conversion is not always available.
I fought with my prev employeers insurance provider in 2014 to port the group parental policy out into individual. Took 6 months but happened.
Wow! Got this video recommendation at very right time, I am going to take a health insurance policy tomorrow, now I will ask all these questions.
Thank you very much for this very important video!!!
Hello Vikas My Self Shamsher health coach business owner constant I want to talk to you
Konsi policy liya bhai
You forgot about Third Party Administrators. Whether to go with policy that have tie ups with TPAs or who has their in house team for claim settlement
नाम इनका लेबर लॉ एडवाईज़र है और ज्ञान ये इधर उधर का अधूरा बाँटते है।
Haan bhai log,
Unsubscribe from labour law advisor and subscribe to REAL ADVISOR 😂
@@LabourLawAdvisor 🤣🤣🤣🤣🤣
@@realadvisor1436 itna hi dikkat he to video kyun dekhte ho... Aab repay karne mat aa jana..😂😂
sir, last year, You had made a vdo with live discussion with NAVI Health Insurance Head, wherein you had revealed that NAVI is honest in their policies. Based upon this, i purchased a NAVI health insurance in April 2022. My policy no SA000Z10. The policy clearly mentioned that No Claim Bonus (NCB) will be added to the sum insured (SI) during renewal of policy. Now during renewal, they are blatantly communicating that NCB cannot be claimed as the policy doesn't have this provision & the same has been discontinued by NAVI. My policy has the condition that NCB will be added to SI for renewal of policy. But However even today, the NAVI official website blog itself says that NCB will be added to sum insured (SI).
Sir, looks like your vdo conversation with the NAVI head ...has been taken out by you from your UA-cam channel as i could not find that vdo on your UA-cam channel list.
Sir, I'm feeling cheated. Please introspect your association with NAVI as it is gonna mislead many innocent people into taking NAVI health insurance.
I’m your loyal subscriber. Please help me out. My mother in law is falling for the “old coin buyer scam” on social media. She is very stubborn and not listening to my reasoning.
Please make a video exposing this scam, so I can save her the trouble.
For certain policies, there is premium increase clause after certain age like 35 years, 40 years, etc. You should shed some light on this.
Your channel doing social service in real sense.. 💓
Just bought My health Insurance Yesterday, postponing it since very long and today You dropped this video 🙄✌🏻
Sorry bro.
Still, watch this video and check whether you bought the right plan or not. If not, then you still cancel and get the full refund back (15 days free look period means you can ask for full refund) and get the right plan
@@LabourLawAdvisor Thanks I didn't know that. 👍
@@LabourLawAdvisor There can still be slight deduction for stamp duty, medical checkup cost and few here and there. So, not 100% refund.
Which company’s policy did you buy?
Mandeep Bhai, CRITICAL ILLNESS & ACCIDENTAL INSURANCE - Can you please make a video on how to select the best for these two Insurances????
You n Whole LLA making people aware. Its a noble cause itself. God bless you
Why shall not the government provide the health benefits for all for their citizens up to a sum of Re.500,000/- per family of ४-५. As per state/provincial law it must be mandatory for all the citizens to yearn for a good health services which Govt. take pledge of and have the same obligations towards their citizens. Our government is doing really well for us here.
१) They cover all the health expenses including -bedding charges, tests and surgeries except medications to all the govt. insured hospitals and medical institutions, but one thing the affiliated hospital/health institutions/health posts require recommendation/referral token for insurance from local hospitals for higher referral to affiliated big health institutes/hospitals..
Jay 🇳🇵.
Delay to h lakin great content take time aur dekh kar laga bhi, yeh video kafi confuse karne wali thi but thanks Mandeep bhai ❤️ kafi dino se wait kr rha tha
Fantastic effort Mandeep, you gonna receive lifetime of blessings for making this video! Thank you!
Valuable information, credit for your good research . I will reevaluate my policy tomorrow.
Yes you can contact us team WeServe insurance Consultancy services at any time .
Hello bidya sagar sir I had to talk to you
@ poppins1982 Hello Sir I had to talk to you
Please elaborate on PPN package by GIPSA. Even if the policy does not have sub-limits, the insurers are making us pay because they don't admissible claim beyond the agreed limit with the hospital. So even of you have a cashless claim, you end up paying more of the share of the claim. This issue is not highlighted while purchasing the policy and only is made realised when claim is made. This is total shock!
Eye opener video for literally anyone who has no idea of insurance policies. deserves a applause 👏
This is awesome work. Rather, I'd say this video as a complete guide on health insurance. I took notes after so many years! Thank you for sharing with us and creating awareness. Appreciate your work.
Wonderful what a coincidence sir.from last few couple of days I was thinking about health and life insurance and you made video on that thanks 🙏
“Dil se dil ka rista”
This has been more complex than I expected it to be! Great efforts Team LLA 👏👏👏
Bhaiya mai khud Apollo hospitals Bilaspur Chhattisgarh me cashless processe krta hu apki videos dekh kr patient party ko samjhane me bahut help ho jati h thank you brother 👍👍😀
I have learnt all this over 5 years and 10 surgeries. Brilliant video. Gold
25 saal ki umar mein theek se hagna nahinaata tha mujhe!! Good work
Bada late sikhe hagna. Chalo kam se kam hag to liye.
@@johnnywalker5108 kitna meetha bolte ho, tumhari galti nahi hai naam english hai peete to tum mastana hi hoge!! Koi na mauj le bhai
How to check real Claim settlement ratio online from IRDI for all companies?
Thank you for covering top-up and super top also. Most people don't talk about this.
Hello Mayank I had to talk to myself
Bhai acko ke baare mai videos banaye the wo sab down Kyu kiye??.. those are so much informative and just came here to re-watch
Hi Mandeep & Team
Hope you read this comment.
Please make a video as to whether one should port from a government company health insurance to a private company health insurance, also on it's pros and cons and the challenges which we might face later in an untoward incident and have to take a claim. Please do make a video on this topic ,it will help a lot of people.
Thanks for the video, I was searching for policies for my parents since 3 weeks..
This video has given me more insights else I would have gone for those policy which my were friends or agents suggest.
Thank u team 👍.
Hey..did you buy any policy ? If yes then which one ..? My dad just retired so I'm also looking for health insurance for them.
@@gayatri7012 Hi,
Yes, I got different insurance policies for my parents. I had got only one option for my Dad ( Aditya Birla ) ..Since my Dad is having diabetes and under medication. For my mother I got from Star health Insurance which had more network hospitals in place. You may take get many other options if your parents are not having any medical conditions.
@@sandeeppv1534 what so special in Aditya Birla for diabetic patients?
Caution :- No insurance company & agents are harmed during making these video
Hahaha
🤣😂🤣
😂
😂😂😂😂
Definitely not 'harmed' but 'hurt' for sure.. 😂😂😂
The " Room Rent Locha " was an eye-opener for me.
Cashless is of no use during accidents as we reach hospital in odd time and the TPA office is closed so no cashless is entertained. I personally experienced this and had to pay a deposit even in a network hospital with cashless facility.
Reasonable and customary clause is mentioned in most of the individual policies.. not just in group policies....