Health Insurance Guide : How to choose a Medical Insurance?
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- Опубліковано 30 лис 2023
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Choosing the Right Coverage:
- A cover between ₹10-20 lakhs is generally recommended to avoid the risk of inadequate coverage.
- Medical costs, rising at a rate of 10+% due to inflation, make lower coverage less effective over time.
- Policies may offer higher protection through features like base cover, no-claim bonus, and restoration benefits.
Buying a Health Insurance Policy:
- Consider key factors before purchasing, such as selecting a reputable insurer based on claim settlement ratio, network hospitals, track record, and product portfolio.
- Essential features in a good policy include :
* no room rent restrictions,
* no co-payment clause, a
* no-claim bonus of at least 50%, a restoration benefit of at least 100%,
* short waiting periods for pre-existing conditions,
* pre and post-hospitalization care,
* coverage for daycare treatments, and a
* free annual health checkup.
Choosing Health Insurance for Families:
- Family floater plans are recommended for families, covering all members under a single contract.
- While some insurers restrict dependents to spouses and children, a family floater plan is operationally less intensive, cost-effective, and generally extends the benefits of individual health policies.
- It's a suitable option for insuring children under 18 and provides comprehensive coverage for the entire family.
Note: Do your due diligence before choosing an insurance.
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Watch This Before You Buy Health Insurance | How to choose the right Medical Insurance?
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@useful.information.boosan - your video is perfrectly fine, but you missed to cover - SUPER TOPUP plan. It is must (considering medical inflation) along with base plan with low monthly premium and high benefit when base plan ran out of its total limit and need to pay more.
Recently watching your videos. Selecting very useful topics which is what is need of the hour. Your presentation is very good. Covering all the valid points in all important topics. Very useful. U r boon for tamil known people. Good clarity, good knowledge in choosen subjects. Good presentation. Useful topics & content. Hatsoff to u. Good social service. God bless♥️♥️♥️
Really helpful about health insurance
Where we can find the checklist sir.
25% Discount kaga Online la buy panuna..Then Who will support in our Claim Situation..
Thinking of getting health policy for the past one month. Right time to enlighten many like me. Good job.
Anna i came across your channel today... Really informative and helpful. THANKYOU so much Na.. love your presentation too ❤
Very useful video . Lots of my doubts on health insurance got clarified. Thank you so much
Best explanation. Hope Many people will get knowledged n benefited.
Very good info on importance of Health insurance. You articulated it well and clarified common queries. Good job. 👍
Just now subscribed your channel why because your informations were very clear and straightforward in addition to it is very useful .. thank you for sharing such informative contents… Good luck 🤞
i been watching so many videos of yours recently. very very clear way of explanation. thanks.
But you're explaining everything very clearly about health insurance and term insurance, why shouldn't you suggest one which you would've taken after proper research ?
hi, good information to current generation, were essential to adhere this information.
மிக்க நன்றி அருமையான விழியம்
Perfect Detail explanation, wish you more success Boosan bro.
Clarity of finance = booshan na ♥️👏
Really a useful video with enough information. Thank you
Worth information bro. I have many doubts and now I'm good to do a health insurance. All the best bro. Keep rocking 🎸🎶🎶
Super 🎉🎉🎉 ,
your financial advice its very use full for me bro, excellent 🎉🎉🎉
Super crystal clear explanation 🎉
Your content is always awesome. Thanks for sharing wonderful insight about taking health insurance. ❤
Thanks for providing the vital information... Very much useful...
Thank you for the information bro. Helpful for choosing the best health insurance.
Thank you bro. Very clear view.
Very useful and informative, thanks bro..
Thank you Boosan. Very informative video. ❤
Thanked. Ella thrituthanum puutuu vaikera
Thank you for sharing valuable information
Big fan of your work. Please make your journey in finance video
Your videos are all very impressive brother
Clearly explained thanks bro...
Thank you..very useful information 👍
Thanks bro very detailed video 🙏🙏🙏🙏
As always. Great explanation.
Thank you boosan ,very clear...
Best video In best timing❤
I am big fan of your contents bro my finance mentor 🤩
Thanks bro. Please advise whether the renewal premium will change/increase every year ?
Thanks for sharing valuable information
Very well explanation sir thank you
Thanks a lot for the detailed information👍
Thank you so much Boosan 🙏🙏🙏
Very useful bro thank you 🙏🏻
useful information brother.Thank u
Thank you so much bro, so helpful
Thanks for this useful video
Very well explanation
Hello Boosan, Good Explanation,. Incase if i forgot to pay one month payment, then the insurance will get expired? and do i need to take new insurance?
Hi Boosan useful information can you elaborate on criticall illness also along with health insurance
Very very good and informative....
Very useful information 😮
Thank you for the information
Best youtuber in Tamil ❤
in case of pre existing illness. During the waiting period of first 2-3years can i have a minimum cover and then after two to three years can i change to an higher cover value?
Super brother thanks
Hi bro. Whether it is safe to buy term and health insurance for policy baazaar. Is there any disadvantages on policy baazaar. Please reply on this bro
Good work bro😊
How beautiful and detailed explanation and eye opener video.haroff sir.
Sirapppuuu man🙏🙏👏👏🤝🤝
அருமையான பதிவு
Thank you
Bro how did you developed your financial knowledge. Can you please make a video of that journey from your scratch to the stage you are now... Please
நன்றி அண்ணா
I hav care health insurance, your comparison opinion
Intha categories lae ethu bro best konjam solunga please.
Which is best taking term insurance in direct online website or policy bazaar ?❤
Thankyou
Very useful ❤
Hi bro..kindly discuss in detail about Zerodha large midcap 250 ELSS fund..shall I start investing in this..
Hello Boosan Sir..I have query regarding navi nifty50 index tax saver.. which has very less expense ratio of 0.1% where I have a doubt because of less expense ratio this will not perform well or it will..??
I have 2 points to discuss with you please help me out with more clarity on the elss fund..
Point 1 - Wat is the procedure to cancel elss inbetween..?? If yes wat will be the charges..!! If not possible then point 2..!
Point 2 - For the next year should I continue investing on the same navi nifty50 index tax saver or else should I choose other elss than this like as IIFL nifty50 index tax saver
Expecting your reply on this will be very helpful for me..Thanks in advance
Good content bro keeo it up❤
please clarify below point -
Relying on Corporate Cover - If we having two Health Insurance one from Office Corporate account and another one Individual health insurance can able to claim both at the time ex. 4L means - 2L/2L
Hahaha I wish. Let’s say treatment cost is 1 lakh you can’t get 1 lakh from each. However if the treatment cost is 3 Lakhs, you can get 2 Lakhs from
One and another lakh from another insurer. This was my last experience please check with the company before taking the policy.
For How many years the health insurance is valid or the premium to be paid?
After some waiting period like 4 years for critical illness what would be the premium? any deduction?
pls explain bro
Useful bro ❤
Hi anna.does you explain the term 'aggregate deductible amount' in insurance
Thank you bro ❤❤
Bro, tax saver mutual fund la , 3 year lock in period ku appuram sip ya kattama vittudalama ??
Anna What's the need of portability?
I would have done all the research before I take an insurance, why would I be choosing a different later?
Kindly post about star health insurance and their schemes.
Maternity benefits ulla health insurance pathi thani video podungha anna
Very useful 😊
good video sir.
Which is best policy explain s
Nifty bank optinal trade pathi solunga bro begginer ku
Your suggestion which cmpny is best ?
Hi brother, first I have to thank you for sharing your knowledge, great experience for me from your videos, keep doing videos and my support to you always ❤.. I have a doubt, I'm planning to take a term insurance for 2 crore in TATA AIA, my question is whether to go directly with HDFC Tata AIA team or policy bazaar team? and I'm a 10+ years account holder in HDFC Bank, all my salary account, Home lone account, credit card are with HDFC only, in your experience with whom to take my policy? What is the advantage and disadvantage? Please suggest. Thanks in advance.
I'm working in Tata aia insurance
Advisor if want details reply me
@@sivakumar-su1jyi want brother
Brother pls be open and tell.. what's your opinion about HDFC optima secure ?????
Thanks Na ❤
இன்னைக்கு தான் என்னுடைய health insurance policy approval ஆனுச்சு 😊 முழு குடும்பத்துக்கும் insurance எடுத்தாச்சு 😊 லேட் பண்ணாதீங்க அப்புறம் வருத்தபடுவீங்க 😅
requires medical test initially to get a policy?
நீங்கள் எதில் பாலிசி எடுத்து உள்ளீர்கள் அண்ணா கொஞ்சம் விளக்கம் சொல்லுங்கள் அண்ணா 👍
Eppadi brother Athu pananum?....Agent kita mattum thaan poganuma? Konjam soninga na nalarukum
Nee policy agent thana
@@ramesh-qn9gh medical test தேவை இல்லை நண்பா , ஆனால் உங்களுக்கு சர்க்கரை, பிபி போன்ற நோய்கள் இருந்தால் மட்டும் அதை தெரிவித்துக் கொள்ளவும்
Anna, disadvantages for buying online term and health insurance ? Pathi solluinga Yena online
Bro, health insurance edukurathuku munna, ethavathu medical test edutha, correct ah insurance edukalam la, namma kitaium proof irukum, apadi na yena medical test edukalam? Full body checkup pananuma?
Anna oru doubt ippam Nan oru normal city la insurance eduthukittu future la metro City iku marum bothu ithu ellam claim ahuma illata cancel pannitu new policy than podanuma
Can you suggest the best health insurance company
Come to Villupuram GH it is better than apollo Chennai
Bro corporate super top up heal insurance policy pathi pesunga
what is the profit for insurance company ? , if they go and invest our money in share market, why i can't do it like insurance company.
I don’t know what they do ?
Policy bazzar open pani search panum pothe agent call pani confuse panranga bro ena panalam ? existing disease day 1 la irunthe eduthukalam nu soli brainwash panranga :)
Hii bro neega sonna mathiri benifit ulla health Insurance pathi paathen bro niva health Insurance solluraka Rafer panraka bro so health insurance puthucha iruku so atha nampalama yenaku douet iruku so yentha mathiri health insurance nampalam itha pathi oru video poduka bro pls.... 🙏🏻
Ithula Enoda age um Enoda monther age ku 18 yrs difference varalanu oru warning varuthu bro athuku nan enah pananum any solution
How to apply tha policy full explanation video potuga bro
Bro ippo thann naa check panna policy podura antha personal enna solluranga na 90 -10% thaan claim agum nu ?
Thank you Boosan, well explained Video.. I was actually searching for a video which decodes Health insurance. Well timed...
Glad you find it useful
@@finance.boosan Indeed Helped🙂
Niva Bupa ReAssure doesn’t have enough coverage for robotic surgeries. Care Supreme with few additional add-ons can give you much better benefits. I couldn’t see that in your comparison. And, claim settlement ratio of STAR is too poor. My suggestion is not to consider STAR and opt for Hdfc ergo/ Care.
Reimbursement Health insurance policy entha company providing bro? Admission at any hospital and submission of medicals bills and getting Reimbursement
PMJAY insurance use aagatha?