Two points to know: 1. Corporate insurance will not cover one parent and one parent-in-law This was my need I needed cover for my mum (my father is no more) and my FIL which could not be accommodated. Corporate benefits end the minute you leave the job. 2. There are medical insurances where the sum insured gets renewed once a claim is done. So at all times u remain insured. In other types once a claim is made u are insured only for the remaining amount. Check that before selecting a policy
Govt should make Insurance Cos to do certain % of business covering Health Insurance of Senior Citizens and also introduce portability in Health Insurance.
I had corporate policy coverage for my mother without any waiting period and i used port option and converted that to a personal policy while quitting that organisation since my new employer was not covering parents. So all benefits continued.
Please do a video on BCG shares which was bought & sold by investors on 5th & 6th December, which is still not delivered, and affecting 15000+ retail investors with no resolution so far.
Hi Rachana, could you provide honest feedback on the quality of ACKO health insurance? It's attractively priced, offers extensive hospital coverage, and operates without intermediaries.
How to split a existing health insurance policy for parents... as premium charging based on their age.. my parents comes on a different age group with 10 years gap. Wants to know how to split and take a super top up individually.
These health insurance companies increase premium for senior citizens during renewal, even if they don't claim. How do you address that? Is it normal if individual who cross age 65, 70 or 75 the premium almost doubles? Which raises the question how can people afford... What are your views?
Hi Madam, Great to See the video I was thinking to take external policy to my parents this brought glad to me and good guideness... Much appreciate🥰.....
My father is about to 63 and my mother is about to 56 year of age... Can i take thier Medical insurance or Mediclaim. My father has got 2 major surgery of Fractures and my mother had 1 major surgery of womb.
Hi Rachana ,My father is 71 and my mother is 67 yrs of age father had suffered a stroke and my mother from cushing syndrome all recovered but under medications for the past 10 yrs is there a possibility of a medical insurance ??
Premiums paid towards health insurance taken for self, spouse, dependent children and parents are allowed for deduction. Premiums paid towards health insurance for siblings are not eligible for deduction. Please contact your financial advisor for more details.
If the policy has your sibling and you are the proposer of the policy, you won't be able to claim for tax deductions, whereas if the policy only has your parents, you'll be free to claim the tax deductions
Hi Rachna Mam. Is it possible to cover parents in a single policy apart from corporate plans? I am married and doing a business. Please help with this.
I m 29 , last month I had a surgery. According to Pharmeasy Surgicare it was about to be covered under insurance but Aditya Birla denied stating it is cosmetic. Insurance denied twice and Pharmeasy Surgicare is not helping in any way. Not even answering calls. I have paid from my pocket to get discharged because it was more than two days for discharge and hospital bill was increasing, my parents were worrying at home so I had to pay and get discharge. Please guide me how can I get my money back. 🙏
Mam please make a video about defence personnel who are already covered by military hospitals but due to their being located at far off places it does not become feasible for getting treatment. Should military personnel get additionally get covered with a term life plan? Are their any special benefits that companies are offering to us?
One Query mam. What if we are paying health insurance every year without any health issue, company also has no problem. But mam, what if we are diagnosed with some serious illness some year and the insurer denies to renew my policy after knowing about my illness. (The year I'm detected with illness, let's say insurer supported me. No problem with that.)
I have few questions on medical insurance 1.i have insurance with star since last 4 years i took it bcoz my mother is diabetic and there is waiting period of 4 yrs. Now I would like to Port to care insurance bcoz they don't have limit on No claim bonus unlike star has limit to 100%. If i port will they have another waiting period for pre existing disease? 2. For the existing insurance coverage IND money is providing 6x coverage thru care health charging some premium. Say i have insurance coverage with star for 4L and if I pay some premium IND money via care insurance providing 24L premium charging 2.5-3k premium. My question will they really provide the coverage with same benefits as star for existing policy?
As o have been looking for my senior citizen parents I came across alot of companies with best plan , out of which only CARE HEALTH INSURANCE provide pre existing dease from day 1 but unfortunately I had got all bad reviews for Care health, niva Bupa and hdfc ergo. Can anyone suggest any health insurance company which provides pre existing dease and also bear the claim in real. Thank You 🙏
My fathers age is 58 and he has no bp and diabetes. My mothers age is 55 and she has bp and diabetes. Kindly guide me how i select health insurance policy for them..
Interesting talk about Amazons LPT23X I suggest anyone to listen to the guy talking about it in the video. Personally I didn't think they would really do that but seems like the launch just happened and there are enough slots available, could be worth huh
I opted for my companies parental insurance policy, 3 years before, where, intially, i used pay only 18000 per annum,.., now it is changed from 2023, to 32000 per annum, without intimation or calling they deducted, after asking they are saying as per policy it will be automatically, when i called the company insurance policy they are saying due to age factor of parents it will change
2023 is really turning the tables now that Amazons LPT23X hit the road. After all these years of barely reading anything good I was usually just shutting down any type of media as much as I can but this brings back good lights and it should give hope to some of you that no matter what is going on in the world at the end something good comes to surface
Health insurance most important knowdays india! less than 20 Co.... But in USA More than 5k insurance Co "Health is Wealth" As Per scenrio Ex. A Young age Less Premium Ex. B Mid age High Premium Ex. C&D Old age Waiting Period, Risk Factor. Diagnostic, Existence Diseases... Etc.. Health insurance awareness first ☝Priority
Hello Rachana Firstly I appreciate your content and hardwork I have a doubt Till this year i had my parent insurance from my employer who has age 50+ Fee days back i dis enroll my parents insurance to take insurance from outside My parent has diabetes from few months Will it be covered if i take new insurance?
I have star red carpet insurance for in laws 74 n 68 but now red carpet is not good insurance as lot of limits... planned for Aditya birla health insurance but reviews are horrible
Good content.... but i have few questions in my mind that are combined for health and Term insurance- 1. The term insurance is taken by breadwinner of the family and if that person takes critical illness rider also still only that person of the family will be covered. Say his spouse/child/any other dependent get suffered from critical disease then this critical illness rider is of no use. Isn't it better to take critical illness rider with floater family health insurance so dependents also get benefitted. Another point is portability because the critical illness rider may not be available with other company term plan. 2. A person (say Raman) has annual income of 10 lacs and he is of 30 year old at the time of taking Term insurance with 1 crore cover amount for 30 year (i.e. his policy will expire when he attain age 60). He paid the premium on time every year and he dies at the age of 50. Now will company settle claim of 1 Crore rupees or they will calculate Human Life Value (i.e. based on the pending working life income) then accordingly they will settle reduced claim. I didn't find any clear illustration despite of reading many policy document. Can you answer or better to create a detailed video on this?
1 - We will try to cover the same in another video 2 - Insurance company will settle the amount of 1 crore. HLV is only a concept to know what amount of cover would be sufficient for the family. Further, please contact your financial advisor for more details.
Hello Mam, I am staying in dubai since 4months I will stay here upto 2years and I may come back after 2 years and I don't have health insurance policy in india. Can I take new policy being in dubai because I may come back at any certain stage.please suggest whether I have to take new policy or not and my age is 39
Hi madam i had brought star health insurance for my patents costing 48000 yr ,is it gud or their is any insurance that give waiting period money back coz for 4 yr no any chekup nothing plz guide.
Get insurance before you get diabetes she says,you think our parents are into insurance like todays generation,now we have to worry about the back breaking hospital bill and when its going to happen ,always constant headache and fear
If canver develops later on, after taking policy, will the cost of treatment+ medication +chemo eberythinf gets covered?, Or only some part of it gets covered?
I have corparate Policy ,In that policy my parents included..also I have personal policy for my family ND for my parents others Than corparte...my question is both policy can utilised at time of claim
Mam I'm a student and I want to buy health insurance for my family but there's requirement of job to get health insurance....How do I secure my family?
I have question to you ma'am, i bought health insurance for my parents 4 yrs ago knowing my mother is diabetic patient and to cover the waiting period...now I'm not sure what I have declared from how many year my mom is diabetic and when i claim the insurance for treatment does it affect the claim process in case if we say incorrectly from how many yrs my mom is diabetic than what is declared? I hope it doesn't becoz i have crossed the waiting period and paid the premiums on time .... please let me know.. i bought this insurance as precautionary while i have corporate insurance that covers all pre-existing disease from day 1 to my parents, so that in case of corporate insurance is not there i would be completed waiting period....now i have both corporate n personal insurance covering 10L
Thanks for the reply, irrespective of how many years my mom is diabetic i have covered the maximum waiting period so I'm tentative the claim will not be a problem...
I got a message from your social media team some 2 years back to invest in bit coins , I guess they even gave me link to invest….. thanks GOD I did not invest or else I would be finished by now
@@CARachanaRanade I have screen shot of reply from your official UA-cam handle asking me to message on WhatsApp number …… come on ….. I am not here to deframe anyone so knowledgable as I have high regards for you Mam 🙏🙏🙏
✔️ Invest in Knowledge: link.rachanaranade.com/CourseStore
Two points to know:
1. Corporate insurance will not cover one parent and one parent-in-law
This was my need
I needed cover for my mum (my father is no more) and my FIL which could not be accommodated.
Corporate benefits end the minute you leave the job.
2. There are medical insurances where the sum insured gets renewed once a claim is done. So at all times u remain insured. In other types once a claim is made u are insured only for the remaining amount. Check that before selecting a policy
⬆️ thanks for the comment..
Contact the What'sap line above for more information, and new investment plan ✉️..👈.
Govt should make Insurance Cos to do certain % of business covering Health Insurance of Senior Citizens and also introduce portability in Health Insurance.
I had corporate policy coverage for my mother without any waiting period and i used port option and converted that to a personal policy while quitting that organisation since my new employer was not covering parents. So all benefits continued.
So, no waiting period when port option used?
In my case it was since corporate policies always have pre-existing covered along with no waiting period
Do we need to approach Insurance company directly or Through employer?
I am facing same problem, kindly let me know how to port?
Corporate plans are not getting converted i had icici Lombard
Please do a video on BCG shares which was bought & sold by investors on 5th & 6th December, which is still not delivered, and affecting 15000+ retail investors with no resolution so far.
⬆️ thanks for the comment..
Contact the What'sap line above for more information, and new investment plan ✉️..👈.
Hi Rachana, could you provide honest feedback on the quality of ACKO health insurance? It's attractively priced, offers extensive hospital coverage, and operates without intermediaries.
It's thrash
@durgababu7121 did you buy sir ?
How to split a existing health insurance policy for parents... as premium charging based on their age.. my parents comes on a different age group with 10 years gap. Wants to know how to split and take a super top up individually.
These health insurance companies increase premium for senior citizens during renewal, even if they don't claim. How do you address that? Is it normal if individual who cross age 65, 70 or 75 the premium almost doubles? Which raises the question how can people afford... What are your views?
Hi Madam, Great to See the video I was thinking to take external policy to my parents this brought glad to me and good guideness... Much appreciate🥰.....
Kubh dahnyabadh rachana ji👏👏✌✌👍👍
My father is about to 63 and my mother is about to 56 year of age... Can i take thier Medical insurance or Mediclaim. My father has got 2 major surgery of Fractures and my mother had 1 major surgery of womb.
Thanks alot for your guidance ❤
Hi Rachana ,My father is 71 and my mother is 67 yrs of age father had suffered a stroke and my mother from cushing syndrome all recovered but under medications for the past 10 yrs is there a possibility of a medical insurance ??
Yes You can buy health insurance for your parents. Like any retail health insurance.
I always appreciate the way you present such complex matters with sooo much of ease ..you really rock
Can I include my sibling and parents both along with me in the health insurance and claim deduction? Like a family plan but I pay the premium?
Premiums paid towards health insurance taken for self, spouse, dependent children and parents are allowed for deduction. Premiums paid towards health insurance for siblings are not eligible for deduction. Please contact your financial advisor for more details.
If the policy has your sibling and you are the proposer of the policy, you won't be able to claim for tax deductions, whereas if the policy only has your parents, you'll be free to claim the tax deductions
@@CARachanaRanade 😊 thanks
@@tanvisinghparihar3280 thank you
Hi Rachna Mam. Is it possible to cover parents in a single policy apart from corporate plans? I am married and doing a business. Please help with this.
No, You have purchase retail health insurance for your parents.
I m 29 , last month I had a surgery. According to Pharmeasy Surgicare it was about to be covered under insurance but Aditya Birla denied stating it is cosmetic. Insurance denied twice and Pharmeasy Surgicare is not helping in any way. Not even answering calls. I have paid from my pocket to get discharged because it was more than two days for discharge and hospital bill was increasing, my parents were worrying at home so I had to pay and get discharge. Please guide me how can I get my money back. 🙏
You forgot to mention that your policy is rechargable multiple times if you fully consume the cover amount of the year.
Hi mam, still awaiting for basics of stock market free video no 4/5/6/7. Which will help people for learning purpose.
⬆️ thanks for the comment..
Contact the What'sap line above for more information, and new investment plan ✉️..👈.
You can purchase the same from our website.
Very valuable information Rachana.Thanks.
Mam please make a video about defence personnel who are already covered by military hospitals but due to their being located at far off places it does not become feasible for getting treatment. Should military personnel get additionally get covered with a term life plan? Are their any special benefits that companies are offering to us?
You are outstanding in simplifying understanding of the subject
Thanks a lot Rachna Mam for educating and guiding us for such a complicated subject like insurance n all.
Very nice and clear presentation and information .. Keep it up😊
plzz post full video mam..thank you so much😍😍
I usually lurk and never write but why wouldn't you be excited over Amazons AM2023?
One Query mam. What if we are paying health insurance every year without any health issue, company also has no problem. But mam, what if we are diagnosed with some serious illness some year and the insurer denies to renew my policy after knowing about my illness. (The year I'm detected with illness, let's say insurer supported me. No problem with that.)
Crisp. Clear.
Which insurance policy to take ? Still waiting ..
Will I have to do a checkup before buying insurance 10:11
oh, i took health insurance policy before watching this video, please let me know u the Manipacigna is good or not for health insurance parents.?
You can contact Ditto if you have issues with you current policy. The link is given in the description box.
Great point on Domiciliary care
Thank you ma'am for the information 🙏
Thanks for sharing the knowledge
Absolutely informative 🙏❤️
Is it a good advice to have a separate health policy for family although we have a corporate health policy?
yes it is definitely good to have a personal health policy apart from corporate policy
Great HELPFUL information 🙏
⬆️ thanks for the comment..
Contact the What'sap line above for more information, and new investment plan ✉️..👈🖕
Please tell about dental coverage also
Can you please make a video on the Insurance Companies offering Health Insurance for senior citizens aged above 65?
You can check the same by contacting Ditto - link is in the description box of this video.
Superb content! I'm surprised I didn't come across your channel earlier, keep it up!
I have few questions on medical insurance
1.i have insurance with star since last 4 years i took it bcoz my mother is diabetic and there is waiting period of 4 yrs. Now I would like to Port to care insurance bcoz they don't have limit on No claim bonus unlike star has limit to 100%. If i port will they have another waiting period for pre existing disease?
2. For the existing insurance coverage IND money is providing 6x coverage thru care health charging some premium. Say i have insurance coverage with star for 4L and if I pay some premium IND money via care insurance providing 24L premium charging 2.5-3k premium. My question will they really provide the coverage with same benefits as star for existing policy?
As o have been looking for my senior citizen parents I came across alot of companies with best plan , out of which only CARE HEALTH INSURANCE provide pre existing dease from day 1 but unfortunately I had got all bad reviews for
Care health, niva Bupa and hdfc ergo. Can anyone suggest any health insurance company which provides pre existing dease and also bear the claim in real. Thank You 🙏
Please suggest a plan for parents 🙏
My fathers age is 58 and he has no bp and diabetes. My mothers age is 55 and she has bp and diabetes. Kindly guide me how i select health insurance policy for them..
So did you find any policy?
Interesting talk about Amazons LPT23X I suggest anyone to listen to the guy talking about it in the video. Personally I didn't think they would really do that but seems like the launch just happened and there are enough slots available, could be worth huh
Health insurance, term insurance or life insurance which one we have to choose for our parents or us?
1st health and 2nd Life
@rachna how did you add hindi audio track. It seems to be ai generated.. Can you please provide software name?
Thanks a lot for making this video
⬆️ thanks for the comment..
Contact the What'sap line above for more information, and new investment plan ✉️..👈.🖕
I want to buy policy for my parents. Plz suggest which one is best
Thanks for the mention! 🙂
⬆️ thanks for the comment..
Contact the What'sap line above for more information, and new investment plan ✉️..👈.🖕
I opted for my companies parental insurance policy, 3 years before, where, intially, i used pay only 18000 per annum,.., now it is changed from 2023, to 32000 per annum, without intimation or calling they deducted, after asking they are saying as per policy it will be automatically, when i called the company insurance policy they are saying due to age factor of parents it will change
You should go with separate retail policy for your parents.
Hello
Please share investment option for retirement person age 60 , where they can investment money and get monthly or yearly interest
Madam, please let me know on how to invest in foxconn, I could not any MF s with it.
It happened 2023: Amazons LPT23X is released guys, huge improvement and finally they made it
So thought of you to come up with this wonderful video.
You should have also mentioned some insurance that covers all these points.
Please make video to suggest best insurance policy for parents and other things to keep in mind while buying policy?
Hi mam, today only I searched for health insurance in policy bazaar, there I come across a word called 2lakh or 1.5 lakh "no claim bonus" means what
Personal learning group join karne ke liye WhatsApp message kijiye
No Claim Bonus is a reward given by insurance company to an insured for not raising any claim requests during a policy year.
Is there any insurance after age 75 and which support for Diabetes Patient for buy medicine and insulin on monthly basis
Yes, There are 2 health insurance provider.
2023 is really turning the tables now that Amazons LPT23X hit the road. After all these years of barely reading anything good I was usually just shutting down any type of media as much as I can but this brings back good lights and it should give hope to some of you that no matter what is going on in the world at the end something good comes to surface
⬆️ thanks for the comment..
Contact the What'sap line above for more information, and new investment plan ✉️..👈.
Health insurance most important knowdays india! less than 20 Co....
But in USA More than 5k insurance Co
"Health is Wealth" As Per scenrio
Ex. A Young age Less Premium
Ex. B Mid age High Premium
Ex. C&D Old age Waiting Period, Risk Factor. Diagnostic, Existence Diseases... Etc..
Health insurance awareness first ☝Priority
Does the state government or central government provide health insurance to citizens ?
There are multiple policies offered by govt., which are be free / paid, depending upon various conditions.
Hello Rachana
Firstly I appreciate your content and hardwork
I have a doubt
Till this year i had my parent insurance from my employer who has age 50+
Fee days back i dis enroll my parents insurance to take insurance from outside
My parent has diabetes from few months
Will it be covered if i take new insurance?
I have star red carpet insurance for in laws 74 n 68 but now red carpet is not good insurance as lot of limits... planned for Aditya birla health insurance but reviews are horrible
I have star health comprehensive plan for parent...
Good content.... but i have few questions in my mind that are combined for health and Term insurance-
1. The term insurance is taken by breadwinner of the family and if that person takes critical illness rider also still only that person of the family will be covered. Say his spouse/child/any other dependent get suffered from critical disease then this critical illness rider is of no use. Isn't it better to take critical illness rider with floater family health insurance so dependents also get benefitted. Another point is portability because the critical illness rider may not be available with other company term plan.
2. A person (say Raman) has annual income of 10 lacs and he is of 30 year old at the time of taking Term insurance with 1 crore cover amount for 30 year (i.e. his policy will expire when he attain age 60). He paid the premium on time every year and he dies at the age of 50. Now will company settle claim of 1 Crore rupees or they will calculate Human Life Value (i.e. based on the pending working life income) then accordingly they will settle reduced claim. I didn't find any clear illustration despite of reading many policy document. Can you answer or better to create a detailed video on this?
1 - We will try to cover the same in another video
2 - Insurance company will settle the amount of 1 crore. HLV is only a concept to know what amount of cover would be sufficient for the family.
Further, please contact your financial advisor for more details.
Hello Mam, I am staying in dubai since 4months I will stay here upto 2years and I may come back after 2 years and I don't have health insurance policy in india. Can I take new policy being in dubai because I may come back at any certain stage.please suggest whether I have to take new policy or not and my age is 39
Which company policy will be best to cover most
Can I take another health insurance even though my parents are covered under my corporate insurance?
yes for sure
Hi madam i had brought star health insurance for my patents costing 48000 yr ,is it gud or their is any insurance that give waiting period money back coz for 4 yr no any chekup nothing plz guide.
Thank you for providing informative video… could you kindly do the video on angel investing or investing in startup thru syndicate … ?
Get insurance before you get diabetes she says,you think our parents are into insurance like todays generation,now we have to worry about the back breaking hospital bill and when its going to happen ,always constant headache and fear
What about the room ?
How the age validation will be done by insurance company?
If canver develops later on, after taking policy, will the cost of treatment+ medication +chemo eberythinf gets covered?, Or only some part of it gets covered?
All are covered in the Policy if it developed after taking Policy.
Madam there is any policy for life long - with only one premium ?
No, 😂😂
What is right age to buy private insurance which is outside your corporate insurance
As early as possible, as uncertain events can come anytime and hence there is no meaning in delaying taking an insurance.
Insurance companies are like, squeeze money when we are healthy and then only support in old age, else really when we need , they won't support
I have corparate Policy ,In that policy my parents included..also I have personal policy for my family ND for my parents others Than corparte...my question is both policy can utilised at time of claim
If the amount exceeds you can use another one
Please give some promotion free top 3 kind of health insurance options for general public.
Ditto vs PolicyBazaar... Which is better?
Policybazaar
Mam I'm a student and I want to buy health insurance for my family but there's requirement of job to get health insurance....How do I secure my family?
First get job then think about insurance
When stocks and common assets decrease 70-90% Amazons LPT23X is actually the counter to that. Hope you guys knew that already, if not you do now
You forgot to discuss one of the most important point consumables
Please suggest a health insurance plan for senior citizens
There are lots of health insurance for senior citizen
Is it a right choice to go for a 3 year health insurance
Yes absolutely
Thanks for the video. Can you please tell me about group medical floater insurance policy of the commercial banks
Thank you
Mam, please make videos on government schemes I.e., NPS and atal pention yojna
U released at right time.. now I needed it
Hello mam, which policy better for daycare???
Everyone has very specific requirements, you can choose as per your requirements. You can check with the link given in description.
We really need to talk about Amazons LPT23X I think it's going to make 2023 to be the best year of the entire 2000-range
⬆️ thanks for the comment..
Contact the What'sap line above for more information, and new investment plan ✉️..👈.
Hello Ma'am, Is any insurance health plan available for handicapped 60 plus parents ???
Conditions differ from policy to policy. You can check with the link given in description.
Informative but not helpful really i.e. . Which product/policy to buy with advantages and limitations
I have question to you ma'am, i bought health insurance for my parents 4 yrs ago knowing my mother is diabetic patient and to cover the waiting period...now I'm not sure what I have declared from how many year my mom is diabetic and when i claim the insurance for treatment does it affect the claim process in case if we say incorrectly from how many yrs my mom is diabetic than what is declared? I hope it doesn't becoz i have crossed the waiting period and paid the premiums on time .... please let me know.. i bought this insurance as precautionary while i have corporate insurance that covers all pre-existing disease from day 1 to my parents, so that in case of corporate insurance is not there i would be completed waiting period....now i have both corporate n personal insurance covering 10L
One should always fill the correct information while taking insurance. Good that you have a corporate insurance as well which has no waiting period.
Thanks for the reply, irrespective of how many years my mom is diabetic i have covered the maximum waiting period so I'm tentative the claim will not be a problem...
They even don't have toll free number to connect
i just want to know thus all policy covered cancer treatment or not , or if covered by company which word mention in policy for that...??????
Cancer will covered in every Policy after 30 days of issuance of Policy
Is Tata AIG health is insurance is a good health policy please suggest me
Tata n HDFC Both are good in industry
Good info
I got a message from your social media team some 2 years back to invest in bit coins , I guess they even gave me link to invest….. thanks GOD I did not invest or else I would be finished by now
We do not give investment advise. If anyone is claiming to be us and giving advise, its a scam.
@@CARachanaRanade I have screen shot of reply from your official UA-cam handle asking me to message on WhatsApp number …… come on ….. I am not here to deframe anyone so knowledgable as I have high regards for you Mam 🙏🙏🙏
Option A: Do nothing with your life. Option B: Amazons LPT23X - Make your choice