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
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 !
I am carry forwarding a health insurance of 5 lakh in Star health for last 4 years. Now I want to shift Tata AIG premeier for add on OPD benifit. What will be better, either port or go with a fresh policy? or ignore this thinking of shifting.
star helth ki policy purches kari thi 2022 m and 2023 m uti ka claim lia genrel dises fir 2024 m icici lombard m port kra li under writer ka call aya call me bta diya tha but policy paper per mention nahi h and mene agent ko whtasaap chat per bhi doccumnet shar kre the main kya kru ab mene 6 month unhe dubara call ki icici ko wo bol rhe under writer daikhega dubara
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?
Namaste, Madam Aapki video me HDFC Ergo ko best policy bola hai main apna sbi general ka Arogya Supreme 2022 me liye they HDFC Ergo me port karna chahte hain jo 10 lkh ka hai or 15% bonus included karne pe 13 lkh ka hai please guide and provided as per your best knowledge (with Regards) at present Iam 59 years old and my wife is 52 years old
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 ?
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.
Mam port ki thi policy lekin policy agent ne fresh kr di hai lekin.mein ne time pe li thi iss ka kuch hosakta hai Insurance manager Niva bupa ne presonal benefit k liyay fresh kr di Niva bupa mein 3 saal se policy chal rahi hai Kya abi add ho sakti hai
Could you please explain the moratorium period in health insurance? According to the new IRDA guidelines, after 5 years, a health check-up is not required when porting to another insurer with the same sum insured - this is not talked clearly on youtube
For example, my policy tenure ends on 15th Feb and I port my new policy today. Will the new policy start from the date the old policy ends or right from today?
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
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?
Maine policy bazar k through apne father k liye health policy Li thi.. Do sal waiting k bad maine policy port kara liya icici lombard may. Issue: At the time of Claim, they rejected it saying my father had hypertension PED and it was not disclosed. I informed them that there no such history of it and it was hospitals mistake where they have enabled Hypertension in prescription. We then shared updated prescription copy along with apology letter from hospital still they rejected it and cancelled the policy too. Now what can I do.. I have invested 4 yrs of hard earned money buying policy on EMIs and due to hospital mistake my policy is cancelled. Can I get some help.
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?
Hello jee, you can look for HDFC Ergo as well. But it actually depends on your requirements & medical history. You can connect with us on WhatsApp/Call at 9650706699. Our team can assist you.
Mam, maine apni mummy ke policy kar rakhi hai 10lac+bonus 16lac ke ho gayi hai,ab December renew hai ab advisor bol rahe hai ke plan ko change kar ly same health group main, 15lac jis main sy agar kuch amount agar use hoga to fir sy amount 15 ho jayega kya mujhe plan change karna chahiye?
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 !
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.
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 😊
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.
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.
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
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....🙏🙏🙏🙏
Meri adity birla active policy he pahele 3 lakh ki policy 2 sal SBI me chalayi ab aditya me 4 lakh ad karke 7 lakh ki karvayi ab company 4 lakh me 2 sal writing ka bolte he jb ki policy me esa likha nhi he policy me 3 lakh no waiting our 4 lakh no writing likh he claim 3 lakh Tak ka hi hoga esa bolte he pls help
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.
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.
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
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.😊
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
@@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..
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
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 🙏
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
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?
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?
Hi, I am Abhinav Sharma from Indore. I will complete 37 years this month. I have Care health insurance policy since 2016 (10 lakh base cover) with no claims made all these years and no underlying medical condition. The policy premium has increased significantly, but the cover has saturated at 25 lakh, including the bonus. The policy is up for renewal next month, and I was looking to migrate to Care Supreme, but the company has yet to respond to my requests, so I am now looking to port the policy to HDFC ERGO Optima Super Secure. Should I stay with migration request or initiatate process to port. What are the pros and cons? Please guide me
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
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?
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
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
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
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.
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।
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
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
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 !
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
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 😊
Mam group care policy ke fayde or nuksaan bataye please kya group care policy ko chlne de ya port kr de please reply jaldi Dena vedio me🙏🙏🙏
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
I am carry forwarding a health insurance of 5 lakh in Star health for last 4 years. Now I want to shift Tata AIG premeier for add on OPD benifit. What will be better, either port or go with a fresh policy? or ignore this thinking of shifting.
star helth ki policy purches kari thi 2022 m and 2023 m uti ka claim lia genrel dises fir 2024 m icici lombard m port kra li under writer ka call aya call me bta diya tha but policy paper per mention nahi h and mene agent ko whtasaap chat per bhi doccumnet shar kre the main kya kru ab mene 6 month unhe dubara call ki icici ko wo bol rhe under writer daikhega dubara
Can the insurance company refuse portability if the customer has existing disease and his current policy is 10 yrs old as per IRDA norms.
Yes
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 ?
Pre existing disease ka waiting period jo hum utilise kar lia wo port karne par bhi valid rehta hai?
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?
Namaste, Madam Aapki video me HDFC Ergo ko best policy bola hai main apna sbi general ka Arogya Supreme 2022 me liye they HDFC Ergo me port karna chahte hain jo 10 lkh ka hai or 15% bonus included karne pe 13 lkh ka hai please guide and provided as per your best knowledge (with Regards) at present Iam 59 years old and my wife is 52 years old
Mam can we port from bank group health insurance to retail health insurance of care??
You keep repeating same thing - keep it concise .. points .. this is good topic
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 ?
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 !!
Mam port ki thi policy lekin policy agent ne fresh kr di hai lekin.mein ne time pe li thi iss ka kuch hosakta hai
Insurance manager Niva bupa ne presonal benefit k liyay fresh kr di
Niva bupa mein 3 saal se policy chal rahi hai
Kya abi add ho sakti hai
Could you please explain the moratorium period in health insurance? According to the new IRDA guidelines, after 5 years, a health check-up is not required when porting to another insurer with the same sum insured - this is not talked clearly on youtube
Madam, I have since one year hdfc health insurance for 5 lakhs now care people calling and asking me port the policy, will it be wise? My age is 66
For example, my policy tenure ends on 15th Feb and I port my new policy today. Will the new policy start from the date the old policy ends or right from today?
Moratorium period kya porting ke bad bhi new company me milta rahata hai
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?
Same point any solution?
Bahat hi useful & informative video for all . 🙏🙏🙏
Thanks a lot, keep watching !
thank you gurleen bahut acchi information 👍👍👏👏👏👏👏👏
Thanks a lot, keep watching !
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 !
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
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?
TATA AIG is a scam, I am here because of that
Medam. Mene abhi 3 lac ki fho se 10lac SA ME PRODUCT MIGRATE KIYA (FHO TO ASSURE) TO MERA NCB CHALA JAYEGA???
Bilkul jayega
Maine policy bazar k through apne father k liye health policy Li thi..
Do sal waiting k bad maine policy port kara liya icici lombard may.
Issue: At the time of Claim, they rejected it saying my father had hypertension PED and it was not disclosed.
I informed them that there no such history of it and it was hospitals mistake where they have enabled Hypertension in prescription.
We then shared updated prescription copy along with apology letter from hospital still they rejected it and cancelled the policy too.
Now what can I do..
I have invested 4 yrs of hard earned money buying policy on EMIs and due to hospital mistake my policy is cancelled. Can I get some help.
Do complain on Bima Bharosa website
Can I port a health insurance policy before 12 days lof due date?
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?
Niva bupa reassure ko kis company me port karu..jo esse best ho
Hello jee, you can look for HDFC Ergo as well.
But it actually depends on your requirements & medical history.
You can connect with us on WhatsApp/Call at 9650706699. Our team can assist you.
What about portability in same company for a different plan?
What about the waiting period for portability? if the next company does not continue with the waiting period. What should we do?
Hii I am insurance agent i will clear first how many years you completed in your last company
Hi...thanks for the video...why not new insurance policy not showing the dates of old insurance policy?
How to change star health insurance agent
How is Acko health insurance company?
Mam, maine apni mummy ke policy kar rakhi hai 10lac+bonus 16lac ke ho gayi hai,ab December renew hai ab advisor bol rahe hai ke plan ko change kar ly same health group main, 15lac jis main sy agar kuch amount agar use hoga to fir sy amount 15 ho jayega kya mujhe plan change karna chahiye?
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 !
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.
Can we renew policy without paying brokerage?
Please let know about irdai guidelines on migration of health insurance
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 😊
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.
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.
What about the moratium period?
My parents policy is 7year old ND now premium is 36000 of 5lakh and oldest member is 58year
Is it beneficial to port this policy????
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
Online policy liya hua hai kya offline port ho jayega
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
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
Meri adity birla active policy he pahele 3 lakh ki policy 2 sal SBI me chalayi ab aditya me 4 lakh ad karke 7 lakh ki karvayi ab company 4 lakh me 2 sal writing ka bolte he jb ki policy me esa likha nhi he policy me 3 lakh no waiting our 4 lakh no writing likh he claim 3 lakh Tak ka hi hoga esa bolte he pls help
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.
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.
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
Your channel is best on health insurance topics
Kindly share details about HDFC life was issue health policy 10 years ago is it possible to port in any company?
Jii sir ho skti h
Port
Hi, thank you so much for such an insightful video!! Can you port to base lower than our current policy?
Thanks You so much Ma'am excellent explain
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 .
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
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..
Very good presentation...
Thanks a lot, keep watching !
sir if our client is taking tobeco...is it necesaary ..?? bcoz there ia no any question in medical form...like life insurance
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
Kya portability cancel kar sakte hai
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.
Topic well covered and Explained. Thanks
I am planning to port to acko health insurance, is acko a good company, please suggest
Yes
Nicely Explained...
Keep watching !
Very Very Informative video..
Thanks a lot
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
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.
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.
Hi, I am Abhinav Sharma from Indore. I will complete 37 years this month. I have Care health insurance policy since 2016 (10 lakh base cover) with no claims made all these years and no underlying medical condition. The policy premium has increased significantly, but the cover has saturated at 25 lakh, including the bonus. The policy is up for renewal next month, and I was looking to migrate to Care Supreme, but the company has yet to respond to my requests, so I am now looking to port the policy to HDFC ERGO Optima Super Secure. Should I stay with migration request or initiatate process to port. What are the pros and cons? Please guide me
Even HDFC Ergo increases the premium drastically.
My premium in past 5 years has jumped to 100%
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
Great information
Thank you so much , keep watching !
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 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?
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
Family floater se individual main port sakte hain kya??
Yes, can be done
@@GurleenKaurTikku Thank you
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
Ma'am, i am belong to gurgaon NCR. Pls suggest best health insurance company.
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
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
Mam I have got a medical insurance policy through Punjab National Bank can would it port to any other insurance company.please confirm
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
Happy new year to you and your sweet family
Happy new year to you too 😊
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
Thankyou , useful information
Glad it was helpful, keep watching !
Didi arogya sanjeevani policy all Company same terms and conditions hota hai na
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।
Very good info,,thanks
Better to avoid Portability. It will complicate issues further. Portability must be tried in extreme situations only.
Then is it better to get a new policy in new Health Insurance Company.
Health insurance मे कितने साल पहले की मेडिकल हिस्टरी देनी होती हैं?
Thanks very useful for mee
Glad to hear that, keep watching !
Mam, Red carpet policy not migrate Star Assure plan?
Not sure jee, Please check with Star health customer support
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
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.
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?