Health Insurance Plans with OPD COVER | Niva Bupa Go Active VS ICICI Lombard Health Elite COMPARISON
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- Опубліковано 20 жов 2024
- The OPD cover refers to a health insurance cover that pays for the cost of outpatient treatment. It ensures that the health insurance provider covers the medical expenses of the insured incurred without hospitalization.
In this video, we have discussed two Health Insurance Plans with OPD Cover : Niva Bupa Go Active and ICICI Lombard Health Elite Plan in detail.
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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 15 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.
Thank you ma'am. I follow all your videos. They are content-rich and genuinely informative. 👍👍💐💐
Thanks jee :)
111g@@GurleenKaurTikku
Maine duniya bhar ka Health Insurance dekh liya...Lekin Sabse Best Health Insurance Future Generali Health Total laga👌👌👌Premium bhi kam hai & 10hazar ka OPD hai
👍
@@GurleenKaurTikku 🙏
You are right PIYUSH
Ma'am - if doctor ask to do some tests which are very expensive so those benefits how we can avail in health insurance.. i.e which insurance is best in that condition
Is 5 Consultation is for per person or total person. Will this cover all kind of blond test is there any limit in price for blood test. Will this cover all type of SCANS (MRI,CT, ETC)
Was waiting for this comparison.
Many thanks!
Hello Tikku ji
Apka introduction mujhe acche se yad ho gaya hai " "Gurleen Kaur Tikku" ji
Thanks 🍰
Hahaha, Thank you 😊
Very Nicely Explained madam , Your video s are really helpful
Thank you so much 🙂
mam sports person ke liye koie insurance hai kiya jismai MRI ,XERY, ka bhi esmai aajaye
Maam , I am 42 years and my wife is 40 years old with 3 children. Which health insurance is better that covers OPD .
Hello jee, Please connect with us on WhatsApp/Call at 9650706699 . Our team can assist you with a few suitable options according to your requirements.
Thank you 😊
Hi , how many consultations can be availed for Max Bupa 10-25 Lakh sum insured, you said 6 consultation but on screen it showed 10 consultations, so please clarify
What difference to purchase helth insurance from agent or bank
Hi, We have tried to explain it in Our Service Video. Please check this link : ua-cam.com/video/oXSI_iD0QTg/v-deo.html
Thanks
Good question. I have taken nivabupa through agent. They don't have good plan for opd.
Mam please tell me which one is best niva bhopal or ICIC Lombard
Maim OPD benefits started from first day or after two year's.
Star health insurance OPD?
Thanks Ma'am.🙏
I think Health Prime of Bajaj General is also good for OPD coverage.
@Sravan kumar yes
@Sravan kumar waiting period is almost same in every company...OPD benefit is amazing
Mam, I have a few questions? Anyone can answer if they know:
1. How can we avail these plans? Are they on the policy bazaar?
2. What is their claim settlement ratio. And like policy bazaar and NAVI do they provide 30min claim settlement and a personal contact person?
3. How many cashless hospitals are there in their network.?
Answering your questions:
1. These plans can be bought through insurance company directly, insurance agents and insurance aggregators.
2. CSR will be different for different plans. Initial approval TAT is 30 mins in most of the companies
3. Again, depends on the insurance company you choose
You may reach out to our team for detailed discussion by filling out the details below
hareepatti.com/contact-us/
Ma'am we are newlly merried couple, looking for best helth insurance with all meternity cover aswall plz suggest the good one.
Hi Shraddha :)
You can contact us on WhatsApp/Call at 9650706699 or
you can fill up this form & our team can connect with you directly.
FORM LINK : hareepatti.com/contact-us/
Thank you
does niva bupa reassure plan has OPD coverage????
Mam, I have max bupa companion family floater. What is difference between reassurance and companion
Shammi jee, we have already made a comparison video on Max Bupa Reassure & Max Bupa Health Companion.
VIDEO LINK : ua-cam.com/video/TCSv_PYVvD0/v-deo.html
Thank you 🙂
Care health men opd hai ya nahee.Please make videos with comparision in care health insurance.
Jee, We will make a detailed comparison soon.
Gurleen ji ek bat btaye health elite mein aaj fresh policy purchase karne mein pregnency kitne time bad cover hogi after 30 days ya after 2 years
Waiting period for maternity is 2 years
Make Comparison video on Navi health insurance vs hdfc ergo health insurance because there is no video on youtube about this health insurance.
Sure, will try.
Thanks for the suggestion
What will be waiting period for maternity in ICICI Lombard health elite plan?
Medicine opd me coverage ha kya
Is the maternity covered in individual plan also??
No, for maternity coverage , at least 2 adults are required in the policy
What diseases are not covered in ICICI Lombard...like cancer and other critical illnesses, are they covered or not? From where we can learn more about it. Also is there any better opd policy that has come up since you have made this video
You may go through the policy wording for detailed information
Madam you said there are 6 consultations is it for whole family or is it for each oerson
This is per policy consultation, so whole family
Thank you mam
Ma'am i want health insurance for parents age are 57&59
And please guide me with the best insurance policy with top companies
And i am confused in HDFC optima secure .
Eshan jee, Depends on their medical history and location.
HDFC secure is a good plan
You may get in touch with us at 9650706699 or info@hareepatti.com for a detailed discussion
I am a Senior citizen aged 62 yrs and my wife aged 55 yrs. I had an engioplasty 10 yrs before. Can I buy ICICI Lombard policy?
Regretfully No, you can conisder care heart plan - ua-cam.com/video/VSVh6-gjIXE/v-deo.html
Hi Mam
Mere Father hospital me admit hokar discharge ho chuke hai jo bhi reports hai uska health insurance wale prescription mang rahe hai magar hospital wale doctor ki dihui prescription rakh kar hi test kar reports detai hai aur prescription nhi detai hai mam kya karu batyie
Vishal jee, you can request at the hospital, they will provide the prescription, they don't keep prescription for reports.
Hi, I didn't understand if these were OPD plans or normal health insurance, the sum assured are high as 5 lakh 10 lakh (that's for hospitalisation I guess) however the OPD benefit is only 10,000. Then how comes these are OPD plan. What if the chances are lot to only do medical tests and doctor's consultation and not focused on hospitalisation?
These are health insurance plans that cover OPD benefits as well
Could you please make a video for navi health insurance with your opinion
Video on Navi health insurance is already available on our channel - ua-cam.com/video/47BTRN_0KSQ/v-deo.html
Niva bupa health reassure vs hdfc ergo optima secure, which is better?
Sanjeev jee, Made a comparison video on the same, please check the link below
ua-cam.com/video/SQ_GHoIBmJk/v-deo.html
You can get in touch with us at 9650706699 or info@hareepatti.com
Mam maine policy purchase kiya but agent ne joot bola h total wrong information fill kiya mujhe policy cancel krna h
thanks a lot aisa hi insurance chaiye tha mujhe 😊👍
For any assistance in buying a health insurance plan, connect with us on WhatsApp/Call at 9650706699.
Our team may assist you 😊
How does this compare to HDFC Ergo Optima Restore, ma'am? Can you please advice on the same?
Hi Sudipta, Please get in touch with us on WhatsApp/Call at 9650706699 for any queries related to Health Insurance.
Thanks
Very nice information madam thank you 😊
Thank you so much ! Keep Watching 😊
OPD के time अगर doctor ने medicine लिख दी तो क्या medicine का reimbursement मिलेगा या.....
Yes niva bupa mein mil jayega through cashless
Mam please make detailed video on Living Organ Transplant in Health insurance.
Jee, will try
Hi ma'am , after seeing u r videos. I have purchased the niva bupa insurance policy. I hope this niva bupa is good to invest ?
Yes, it is the right decision
@@GurleenKaurTikku Thank You for the response ☺️
Kiya mam aapne pura search nahi kiya best OPD plan is ICICI Lombard any insurance +bfit rider
Befit rider is an OPD rider that can be added to any of the iCICI Lombard Health insurance plans.
We have a detailed video on the same - ua-cam.com/video/sNCiJKW2QI4/v-deo.html
The plans that I compared are in built OPD plans.
Kindly do a video on moratorium. will moratorium continue on porting of policy
Noted, thanks for the suggestion 😊
Mam FHPL ka OPD claim kaise kare...
HDFC ergo optima secure vs ICICI Lombard ismein bhi 1 competition banaiye aap
ok jee
Good information mam thanx
Thanks a lot jee, keep watching !
Does it also covers lab test and medicine bills ?
Yes , as per OPD limits
When ever you submit bill company say its pre existing dieses.
I have Dr certificate about my treatment but your company always make fasle statement
This time your company person Mr Hemant Reddy reply by saying you are taking treatment of Pulmonary hypertension which you did not disclose at purchasing plan.
And i have purchased plan long back and
Dr is giving treatment of portal hypertension.
It's clear your company employee do not know difference between Pulmonary hypertension And portal hypertension
Is this opd benefit is the total amount for all covered member or for each covered person?
Total amount for all
Do vaccination charges are covered under OPD cover?
No
Hello Gurleen, I need your guidance for Health Insurance I am planning to buy for my father aged 61 in Mumbai. He has pre existing disease of Epilepsy due to which Max and HDFC do not provide Health Insurance. Religare is providing at 3L for 22k and 5L for 26k permanently excluding Epilepsy but with co payment and room rent capping. I am not able to decide whether I should buy health insurance for my father or it will be better not buy given the high premium rates and plan limitations. Please guide. Thanks in advance.
Hi Sarvesh, yes Niva bupa and HDFC ergo will not be able to offer cover to him.
You can go ahead with care insurance as it will atleast cover him against other uncertainties in future
@@GurleenKaurTikku Thank you so much Gurleen
Same issue with me. My father also has Epilespy. I am searching for so many health insurance plans but no one company get plan or not cover Epilespy.
I am discussed my problem to my doctor. He is Doctor in panel of Star Health. He was helps me & get Star Health Comprehensive Plan with 4 year waiting period & Extra Loading. After 4 year Epilepsy also covered. But for such insurance company getting new EEG, CT scan & MRI scan reports. I am suggest you discuss with your doctor. He is helps you.
@@pranavbulbule3537 Thanks Bro, I did some research between Aditya Birla, Star and Care and finally decide to go with Aditya Birla Health Insurance as they were ready to include epilepsy.
They made me pay extra loading fee and after one month of issuing the policy they sent a letter saying they are cancelling the policy as I did not disclose epilepsy condition. Still did not receive any refund neither getting any reply on the mails. I guess this entire insurance industry is a scam. I paid 25k first time for the insurance, probably this will be the last time as well. I will never fall for this insurance trap again, I will bear the charges instead for medical emergencies if any in future.
Hi mam
Can I get health claim in Australia of ICICI Lombard health insurance?
Hello Jee, the coverage is only in India
Reliance Health Infinity plan ke bare mein video banana mam please
Sure, will shoot a video soon :)
Keep Watching !
Star helth opd how
Mam opd bare mein boliye in go active plan
What will be the premium if insured amount is 5 lacs in ICICI Lombard?
Mohit jee, premium will depend on your age and location, so please share.
@@GurleenKaurTikku Mam its 31 & i hail from Patna, Bihar
@@mohitkumarsingh5013 Please share the details with us on Call/WhatsApp at 9650706699.
Thanks
Is there any independent policy for OPD cover
Currently as per my knowledge , No health insurance company has only OPD plans, they were available till 3-4 years back and were withdrawn
Are consumables Covered in ICICI
Jee, covered
Can we get opd benefit in ayush treatment?
Yes, you can
@@GurleenKaurTikku could you suggest one plan for me?
@@kukkukukku9060 Yes, you can contact us on WhatsApp/Call at 9650706699.
Thanks
can i add OPD addon to ICICI Lombard Complete Health Insurance
Yes, befit rider can be added
@@GurleenKaurTikku Thank You
Hospital list mam of icici lombard
Hi, you can locate the nearby hospital list here - www.icicilombard.com/cashless-hospitals?BAGI&CompanyContactCashlessHospNetwork
Thanks
Informative
Thank you !!
Thank you for such an informative video. I heard of another plan from Bajaj Allianz for OPD coverage, called the Bajaj Allianz Tax Gain plan. If you have any info on this plan, can you please share.
Glad you found the video informative.
And we will shoot a video on Bajaj Allianz soon on our channel.
If you have any queries, please get in touch with us at 9650706699
@@GurleenKaurTikku please help me
When ever you submit bill company say its pre existing dieses.
I have Dr certificate about my treatment but your company always make fasle statement
This time your company person Mr Hemant Reddy reply by saying you are taking treatment of Pulmonary hypertension which you did not disclose at purchasing plan.
And i have purchased plan long back and
Dr is giving treatment of portal hypertension.
It's clear your company employee do not know difference between Pulmonary hypertension And portal hypertension
Thanks a lot for this.
Thanks for watching !
madam namaste
I am star HEALTH insurance Adviser
kindly make video for famili HEALTH optima cover
Good video ma.
Thank you, keep watching !
How to contact you for Financial Planning?
Hello jee, please connect with us on WhatsApp/Call at 9650706699 or drop us a mail on info@hareepatti.com
Very nice video
Thanks a lot !
it was good information .
Thank you & keep watching !
Mem sat Shri akal
Care has removed OPD
जय श्री कृष्ण
Aise koi policy hai Jo saari chheze cover karde doctor
Please connect with us on WhatsApp/Call at 9650706699.
Our team will assist you 😊
max life covid19 RIDER
I don't think so niva bhupa carefully handle our customers,
This company making number of customer and making money,
Only sell out new policy, this company tie-up policy bazaar
Target Number of policy selling, but renewal time, your policy no issues 5 to 7 days , I also facing this problem, my policy Date of expired 24/02/2022, I am also payment 24/02/2022, Today 27/02/2022 my policy Number ,not issue,and privious number is not valid, suppose I need my policy time urgent base then, no policy number I can't addmission in hospital , for example I am front of border without bulletproof jacket and gun what a joke,
The policy company Play with customer, in COVID 19 worst time,
Niva bhupa Tag line 30min claim approval,
But policy renewal time 7 to 15 days what kind of joke,
This is not fair , what is mean due date payment, 25/02/2022 my policy expired then you take time to renewal, but what is this ? Pay at time and then what should to done with me, plz explain, I also this type policy rules of renewal, I forward on twitter handle share 🙏
Noor ul Nabi
Ma'am i want health insurance for parents age are 57&59
And please guide me with the best insurance policy with top companies
And i am confused in HDFC optima secure
Eshan jee, Depends on their medical history and location.
HDFC secure is a good plan
You may get in touch with us at 9650706699 or info@hareepatti.com for a detailed discussion
Mam, I have a few questions? Anyone can answer if they know:
1. How can we avail these plans? Are they on the policy bazaar?
2. What is their claim settlement ratio. And like policy bazaar and NAVI do they provide 30min claim settlement and a personal contact person?
3. How many cashless hospitals are there in their network.?
Answering your questions:
1. These plans can be bought through insurance company directly, insurance agents and insurance aggregators.
2. CSR will be different for different plans. Initial approval TAT is 30 mins in most of the companies
3. Again, depends on the insurance company you choose
You may reach out to our team for detailed discussion by filling out the details below
hareepatti.com/contact-us/