Health Insurance PORTABILITY MISTAKES to Avoid | Health Insurance Portability | Gurleen Kaur Tikku
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- Опубліковано 30 гру 2023
- Health insurance portability is a facility that enables policyholders to change their existing insurance company to buy a better health insurance policy or get better services from another insurance company.
In this video, we have discussed about a few Health Insurance portability mistakes that you must avoid in 2024.
WATCH THE VIDEO FOR MORE DETAILS :)
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 18 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised. - Фільми й анімація
नव वर्ष की शुभकामनाएं।
मैडम पर्सनल एक्सीडेंट पॉलिसी बहुत ही आसानी से 25 दिसंबर को इशू हो गयी थी। टीम हरी पत्ती से जुड़ना बहुत अच्छा लगा।
Thank you!
Thank you jee, Happy New Year 😊
Medam. Mene abhi 3 lac ki fho se 10lac SA ME PRODUCT MIGRATE KIYA (FHO TO ASSURE) TO MERA NCB CHALA JAYEGA???
is it worth porting from niva bupa health reassure 2.0 to ACKO platinum? reason being, there's only 1 hospital nearby that supports cashless process for niva bupa... whereas ACKO has plenty of network hospitals for cashless procedure.
Hi mem mere father ki age 64 hain to kya muje port karvani chahiye,unko diabetes and asthama hain,purani policy CARE main hamne mantion karvayi hui hain to hame niva bupa main port karvani chahiye?
Hi.. How to go when a healthy 8-9 year no claim person ports and then unfortunately gets diagnosed with BP or diabetes say in about 3-4 months after porting ?
Topic well covered and Explained. Thanks
Hi, thank you so much for such an insightful video!! Can you port to base lower than our current policy?
In a port case , the insured has polio, in existing policy polio was not permanently excluded , but whn they wanted to port to other co, the polio was mentioned in permanent exclusion, so kindly guide weather we can tell them regarding this & will they agree on this & don't assign in permanent exclusion
Portability me specific illness 24month or slow growing illness ex knee replacement will it be covered . From day 1in new policy. If my previous policy is 2yrs old
Mam i m having policy since ladt 10 year with 2 diff companies 2 years back mybwife has bp hypertension so will there b loading n what next shouldnibdo in niva bupa 2.0
Kindly share details about HDFC life was issue health policy 10 years ago is it possible to port in any company?
Manipal se neva bupa me port krne ke lie 01st june 2024 ko payment kiya turtlemint pro ke dura aaj 20 june ho gya abhi tk port nhi hua. Kya kre ?
Can the insurance company refuse portability if the customer has existing disease and his current policy is 10 yrs old as per IRDA norms.
Very informative, well covered topics. Important tips likethe caution on free look period. Thankyou madam for taking time and sharing your experience. God bless you.
Thanks a lot, keep watching !!
I am completing moratorium period in my policy, so shall I wait to get this moratorium certificate than port or will i receive moratorium certificate after porting of my policy also?
Your channel is best on health insurance topics
Didi arogya sanjeevani policy all Company same terms and conditions hota hai na
Can we switch to different plan of the same insurance company?
I have care advantage plan can i select to care supreme plan at the time of renewal?
Madam, mene policy li hai. Usko mene hdfc se care health me ki ha usko 25 days ho gayi hai usko cancel k liye aply kiya hai kush amount refund hogi. Madam
I had port in health insurance and declared pre-existing health status to direct agents but in policy copy I have found it not declared. My exciting policy in gress period. What to do now because there is no free look period. Kindly suggest.
sir if our client is taking tobeco...is it necesaary ..?? bcoz there ia no any question in medical form...like life insurance
Bahat hi useful & informative video for all . 🙏🙏🙏
Thanks a lot, keep watching !
Maam, I am looking for family floater. And more inclined to niva reassure2.0 given the features. However, I am worried about sublimit for robotic surgery. Does is the surgery cost hits the cap even in today's market. So few years down the line would it create big problem?
Yes, that's a demerit in the plan.
Hello
Dear Madam ji mein Icici Lombard General Insurance Company Ltd Health Vertical mein 2 1/2 year as a RM Designation pe Kam karraha hoon toh Abhi mere ko Company Change karna hai toh which is Best Company Suggest me please
Very good info,,thanks
Very informative
If I have both corporate insurance through my employer and individual insurance that I purchased separately, and all your medical expenses are being covered by my corporate insurance, Will i not need to provide that information to the individual insurance provider. Also I want to do Portability after my retirement of corporate insurance to another individual insurance for backup
What will happen if portability is not accepted? Will my old health insurance will be cancelled? If loading is done for PEDs in porting the health insurance, then for every renewal insurance company can charge to maximum loading?
Can I port a health insurance policy before 12 days lof due date?
Mam I have got a medical insurance policy through Punjab National Bank can would it port to any other insurance company.please confirm
What about the waiting period for portability? if the next company does not continue with the waiting period. What should we do?
Hi,
I'm planning to port from optima restore to optima secure, however I paid premium for restore in October 2023. Can I port to secure in Jan or Feb 2024?
I'm planning to port to increase SI to 5 lakhs and initially there was room rent capping in secure as standard AC room, currently it's mentioned as actuals. So it means room rent has no limit right?
Lastly, can you suggest super top-up plan for parents (age 55, 50) with deductible of 5 lakhs?
Saw hdfc super top up policy however it has copay of 20% after age 50.
Thanks for sharing informative knowledge and Hppy New Year.
Since you have 30 days lookup period & ,you had renewed your policy in october, so it's wise to stick with that plan, and port at the time of renewal, and for toupup plan 20% copay is comman in all insurers.😊
Hello jee,
Happy New Year 😊
For any queries on Health Insurance , Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you .
Very Very Informative video..
Thanks a lot
thank you gurleen bahut acchi information 👍👍👏👏👏👏👏👏
Thanks a lot, keep watching !
Gurleen, hoping you are reading this.
Had hdfc ergo..my health..(got discontinued), of 5 lakhs for myself+ 50,000 (NCB) and same for my wife.
Now just ported to care supreme effective 09 july 2024 for family floater of 10,00,000/-
Realised, inspite of telling them the NCB amount, they didn't incorporated that amount.
Is it possible to tell them now to consider that amount
Or
Since it is port from individual each, to family floater..
Nothing was possible?
Reply if you read this message
Thankyou , useful information
Glad it was helpful, keep watching !
Thanks for highlighting the issue. please can you let me know , is it advisable to port the policy to another insurer when my spouse is concevied with 7 month and my existing policy is going to expire in the current month. The reason for porting is the existing insurer is not trust worthy
Please continue with the existing policy
Thanks for your help i was planning to port from star health to care health insurance now still continue with star
Thank you jee, keep watching !
Great videos, Mam. This channel is very useful
Glad you think so, keep watching !
@@GurleenKaurTikku i have a health insurance and maternity is mentioned in it..but sometimes company says it has , sometimes they say it doesn't have..i am very confused mam...i need suggestions or anyone who can solve or port to any other company..
Mam can we port from bank group health insurance to retail health insurance of care??
Thanks mam, this will be very useful info as i am about to do the portability between hdfc to Niva. I am just curious about how you can briefly rate Niva bupa Aspire Gold+ plan for 10lac vs Icici health shield 360 plan for 25lac. Which is better?
Hello jee, Thank you so much.
Also, For any assistance on Health Insurance feel free to connect with us on WhatsApp/Call at 9650706699.
It would be helpful if you can provide an opinion here - it would benefit everyone.
Thanks very useful for mee
Glad to hear that, keep watching !
Nicely Explained...
Keep watching !
I bought Group Mediclaim Insurance from Axis Bank 3 years before who had tie up with Tata AIG, plan name was Group Medicare 360, now this policy is seized and Tata AIG want me to migrate to Tata AIG Medicare plan, wherein my premium will go up by 5k annually and Room type now is Shared Accommodation, earlier it was private room, Can I migrate this plan with other Mediclaim Insurance Company or use Portability?
Mera bhi problem huva tha port karke pese bhar diye bad mee phone aaya to mee bataya peer tuta tha to x rey karvaya oor policy feil kiye fir piche lagke chalu kiye
Hi ma'am meri Star health Yang star policy hai abhi mai Star ki assure policy me Port karna chahta hu ... kya a sahi rahe ga?
Hi, We don't have any first hand experience with STAR HEALTH . Please do your due diligence before choosing any health insurance policy.
Thank you & keep watching !
Thank you so much ma'am
Happy new year to you and your sweet family
Happy new year to you too 😊
I am planning to port to acko health insurance, is acko a good company, please suggest
Madam I have star family optima pla of 5 lkhs since 5 years. Now I was to port to care Supreme of Rs 7 lakhs I has more feature . Can u pls guide me that this dission is OK. Pls reply and suggest
Hello jee, we can suggest you a suitable plan after knowing your requirements , medical history & city you reside in.
Please connect with us on WhatsApp/Call at 9650706699. Our team can suggest you a few suitable options.
Keep Watching !
You keep repeating same thing - keep it concise .. points .. this is good topic
पूर्व विद्यमान रोगों के आधार पर स्वास्थ्य बीमा के दावे निरस्त करने के बहाने से मुक्ति हेतु बीमा करने से पूर्व अधिकृत चिकित्सकों व चिकित्सालयों के माध्यम से चिकित्सकीय परीक्षण के उपरांत प्रीमियम का निर्धारण कर बीमा पालिसी निर्गत होनी चाहिए। बीमा नियामक को ऐसा प्रावधान अनिवार्य करना चाहिए, ताकि बीमा धारकों को उपचार के समय या बाद में परेशानी न हो।
Please suggest policy.
My policy is expired Liberty secure health connect. I dont used in last 2 year and also lots of capping so
Now i want to change or portable my policy already my policy is expire already in 23 may 2024 please guide my
Ma'am I have a family Floater plan of Niva Bupa Reassure, initially it was of 5 lac but after NCB now it has become of 10 lac.( For my mother and myself )But this time the price of premium increased drastically and they are asking around 8K more than the last premium paid. I compared it with Aditya Birla which is giving me 10+10 lac individually for my mother and myself when added some more thousands to it. So, do you think Aditya Birla is a good option to port.?
Bro don't port your policy, nd the second thing NCB, Restore, recharge in sbki bhot saari restrictions and terms conditions hoti hai jo insurance me rarely claim hoti hai, sbb bewakoof bnate hai,
Koshish kro port naa krani pde ussi me kyuki port krne ke baad aap usme new customer ho chahe Pre existing benefits transfer ho, so plz risk naa don't port...
Ussi ka sum insured bdwa le or ussi me addons le le
What is the process of change one plan to another plan in same company like HDFC optima restore to secure?
You can check the portability process here : ua-cam.com/video/dQd0u2-_UF8/v-deo.htmlsi=4kdUP9M9quMPRL8D
Hope this helps, keep watching !
My age is 32 and I have an individual policy of 5 lakh and my wife had an individual policy of 7.5lakh.She took it before marriage( same policy which I have) after 3 years we bless with baby girl her name is added in my wife's policy, now I want to mearge our cover and same time port to different company is this possible
Good information
Thanks a lot, keep watching !
Health insurance मे कितने साल पहले की मेडिकल हिस्टरी देनी होती हैं?
Plz suggest me which plan is batter care supreme ya reliance health infinity
Hello jee, we can only suggest you a suitable plan after knowing your requirements, medical history & city.
Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you 😊
Please let know about irdai guidelines on migration of health insurance
Madam, Is it possible to decrease sum insured so that i can take another health insurance policy. I have 20 Lakh policy in Star Health Optima. I would like to take HDFC Ergo Optima Secure
yes, Sum insured can be decreased
Star ki policy kharab hai kya?
I want to purchase health insurance plan how U can help me ?
Madam I have policy of hdfc ergo optima restore floater of sum insured 5lakhs and 5lakhs is bonus accumlated and I have pre existing heart diseases angioplasty is done and In policy 5 m3bers are there 2 adults and 3 kids till age of 22 years now I want to port from hdfc to icici lombard elite plus can I take it with declarationnof pre existing disease and is there any waiting period during portability
You can apply for porting to the another company 45 days before renewal. You will have to mention your pre-existing condition. But it depends of the insurer to accept or reject your case based on the severity of your disease. If new insurer denies to give you cover, its better to stick to the existing policy.
@@nidhiverma22 thanks a lot madam for replying🙏
Can we port group insurance when we leave the company that we are working for with the premium revision.
yes, you can migrate to the same insurance company
I have star comprehensive policy from past two years without any claim...Now I want to port in Care supreme or Niva Bupa Restore 2.0 ....
What should I do?
Stay with Star comprehensive or port into care or nivabupa ?
Plz help in basis of features....🙏🙏🙏🙏
ua-cam.com/video/wwRH6Ev_eaw/v-deo.html
Pls check this comparison video
Mdm. Kindly reply a policy for 5 lacks with 2.5lack NCB is ported from Niva to Care supreme and sum insured now is 15 lacks will my NCB amount will be added to new sum insured of 15 lacks or otherwise.
Yes, ncb is transferable, care will consider & add it to your SI according to your care plan and NCB criteria of that plan
Care worst hai
I wish you a happy new year to you and your family 🎉
Thank you jee, Happy New Year 😊
What is accumulated bonus madam
Family floater se individual main port sakte hain kya??
Yes, can be done
@@GurleenKaurTikku Thank you
Thank you ma'am ☺️❤
Keep watching for more such informative content
Happy new year mam
Happy new year !
How to change star health insurance agent
Mam kaun sa helth policy lena thik hai .mai aur mera wife ke liye hamara dono ka age 52 yrs hai please mam
Hello jee, this completely depends on your requirements & medical history. For any assistance, feel free to connect with us on WhatsApp/Call at 9650706699.
Our team will be happy to share a few suitable options.
How is Acko health insurance company?
My policy has written that single standard A/c room in the room limit section
What does it mean and is it same as no room limit?
No not same
Deluxe room not allowed.
Mam, Red carpet policy not migrate Star Assure plan?
Not sure jee, Please check with Star health customer support
I have tried to portout from star health to niva bupa health insurance policy due to best feature in niva bupa. But as we disclosed all previous history from 2018 to 2024 all reports byt everything is fine but in 2018 CT Scan report mentioned "Possibility of crohn's and tuberculosis" but not diagnosed even in recent reports also not diagnosed even i sent all medical reports for reconsideration of different 4 hospitals doctors (including govt and private both hospital) but as per our policy bazar agent they are saying now another thing after reconciliation your medical reports now doctors are saying there is abnormilty in 2018 ct san so how can company ignore current situation even they are not considering 4 hospital doctors and report so any suggestions from you end will be helpful for us 🙏
Decision to port the policy remains with the insurance company as per their underwriting guidelines and risk taking appetite.
Kindly what difference between ayushman health with private health insurance
jee, thank you for the video suggestion.
We will try to bring up a video soon.
Keep Watching !
If an insured person port his policy after four years of its inception.
Will this affect the moratorium period clause of the policy wordings ?
No, moratorium will not be affected if migrated within the same company
@@GurleenKaurTikku What about a moratorium if we port in a different company?
madam as per IRDA agar aapki policy 5 year se purani hai, to aap previous bimari nahi bhi batayenge to bhi claim port karane ke baad company ko den apadega, Aisa mere case me hua, meri company ne reeject kiya aur mai court me gaya aur waha mera claim approve hua.
Kis court me gaye the ???
@@Rock905g Bima lokpal
Mam can we port policy within same insurance company
This is called migration, yes I heard you in a video u can migrate to diff. Policy
Mam I have taken Niva Bupa reassure on Nov 2022, 10 lakh base + 40 lakh health recharge, for family of 03 ( me , my wife and kid 6yrs old). I have paid 3 year amount in 2022 only. Now my question is , is my policy is upgraded to Reassure 2.0 ? Or It will be same as old?
Your cover cannot be shifted to another plan automatically. Both plans have different features. You can port to new plan at the time of renewal if your insurer allows that.
Your policy will continue as Reassure for 3 years till Nov 2025, you can continue with the same or check for the migration option to 2.0 if that is available at that time
Niva Bupa is currently not allowing porting to another policy within Niva Bupa...they are calling it migration not porting. I have been having this discussion with them since the last few days!
Very good information mam thanks
Thanks Gurleen...I like your videos with lot of information..
Respected madm,
My name is Jaswinder kaur. I'm 59 years old.
Please explain me regarding my one major issue.
I'm still policy holder with aditya brila since 2019. This policy I purchased through Hdfc bank Credit Bank.
Policy name active assure diamond plan through Hdfc bank Credit card telephonic.
During the policy period only one claim taken in 2022 normal fevar. during the policy year I will complete my all waiting period. Please explain me this policy is portable or not. because one agent say this policy portable. But Policy bazar agent said policy not portable because this is a bank policy.
I'm very confused both inquiry.
please explain me I'm very thanks to you.
United india insurance me Konsa helth insurance lena chahi hai
Hello jee,
We can only suggest a Suitable plan after knowing your requirements & medical history.
Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you . 😊
Mam manipal pro health plus to care supreme port koru?
Depends on your requirements & medical history.
Benefit Care main jada hai,Care company settlement keysa hai
madam, aapki saari baat samaj aa gayi thank you. 1 query. humne 2021 mein star health comprehensive policy li.3 bimari pehle thee. woh humne bata di. halth checkup ka bhi request kiya par unhone video call kiya health checkup nahi kiya. agent ne poocha medicine lete ho? humne woh bhi bata diya. abb claim ke time pe company bol rahi hai aapne mnedicine nahi batayi thi. mere paas form ki copy hai maine woh dikhayi. phir company bol rahi hai aapke 2009 me hospital admit hue thhe, par surgery nahi hui thi. woh nahi bataya. hume nahi pata tha. [first time policy li. 2021 mein 58 age thi. abb 61 hai. jo bhi agent ne poocha woh sab humne bataya. agent toh bol raha tha aap disease bhi mat batao policy nahi milegi. humne jabardasti form mein likhwayi. abb company meri wife ki policy rakh rahi hai. par mujhe delete kar rahi hai. kripya mujhe help kare. manu age 61🙏🙏🙏
I took a policy (ported) after declaring my individual family members' medical conditions. Received the policy document in 2 days but when checked the medical declaration page nothing was mentioned as per my declaration. It was nightmare and at last I cancel the policy within the free look up time to escape from them. (Luckily I got full refund, there was no deduction as per the 4th point in video)
Please make sure all your premedical conditions are shown in the policy document, otherwise you will be simply paying the premium every year and when there is a claim, they will blindly reject it and even cancel the policy saying you are fraud.
Happy new year mam 🎊🎊🎊🎊🎊🎊🎊🎊🎊🎊🎉🎉🎉🎉🎉❤❤❤❤❤❤।
Thanks a lot !
Can I change my health insurance agent. I am not getting the right service. I have a niva Bupa insurance
Please reach out to Niva Bupa grievance department
Mam kindly make video on how to port from one insurance company to other
We already have a video on this topic. Please check this link : ua-cam.com/video/dQd0u2-_UF8/v-deo.htmlsi=s-tDGgHFwu8hNUTF
Can i switch from niva to Star health insurance
It depends on your requirements & medical history.
For any assistance, you can connect with us on WhatsApp/Call at 9650706699.
Our team can assist you.
I like it
Thank you jee, keep watching !
Happy new year 🎉🎉
Happy new year 😊
Need guide line on Zone 1,2,3
And address changing cases.
You can check this video for more details & queries on zonal premiums : ua-cam.com/video/wcK8plDowrU/v-deo.htmlsi=4Q1zUsdQx96nsmO3
Happy new year🎊
#ieltswithKrishna
Happy New Year jee 😊
❤❤❤
Policy port ke 8-10 din jo time lagta hai us time me koi incident hota hai to claim konsi company degi.
Newly Ported company
You will not be covered for this duration from any of the companies - if old policy is expire and the process to port to the new company is not completed.
So, advisable to apply for portability with time window of at least 7-8 working days
How can i know my accumulated bonus? Insurer don't let us know our accumulated bonus
You can check the policy document that you receive once the policy is renewed.
Hi
Kindly make vedio on Aditya Birla activ one......
Hi, Thank you for the video suggestion.
We will try to bring up a video soon, keep watching !
Care ne 1yr me hi 50 percent premium increase kr diya
I want Our Family Health Insurance Policy
Can you help me
Hello jee, please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few suitable options.
Thank you 😊
मैडम जी, मेरी अभी स्टार हेल्थ की पॉलिसी लिया हुआ है, जो 3 साल पुराना है, उस पॉलिसी में मैं, मेरी पत्नी और मेरी बेटी है, जब मैंने पॉलिसी लिया था वो टाइम मेरी बेटी 15 साल की थी अब वो 18 साल की है, क्या नई कंपनी उसको एडल्ट समझ के प्रीमियम लेगी? वैसे मुझे या परिवार के किसी सदस्य को कोई पहले से बीमारी नहीं है, तो क्या नई कंपनी में pre existing बीमारी का वेटिंग करना होगा? स्पेसिफिक बीमारी जिसका 3 साल का वेटिंग होता है, उसमे भी मुझे 3 साल फिर से रुकना होगा? मैं स्टार हेल्थ में अभी तक कोई भी क्लेम नही लिया है, पोर्ट करने का सिर्फ यही रीजन है कि मेरे मित्र और रिश्तेदारों को क्लेम लेने में मुश्किल हुआ, में नही चाहता की भविष्य में मैं भी परेशान हूं। कृपा मदद करे। मैं एचडीएफसी ergo में जाना चाहता हु क्या मेरा ये फैसला सही है?
The new company will consider your daughter as child in the policy.
Pre existing conditions ka waiting period carry forward hoga to the new company
Reply karne ke liye bahut bahut dhanyawad 🙏