Hi Team, Thanks for the video, can you explain one of the benefit of Safegaurd+ feature namely Sum Insured increases with Inflation(5 or 6%) For eg if 10 Lakh Sum Insured(SI) , Titanium plus Reassure 2.0 plan, will the Sum Insured compound year on year with Inflation, i.e 10lakh's 6% on 2nd year, which is Rs1,060,000 /- and 3rd uska 6% and so on? Also Booster+ laga ke, this number can grow big! Is that the case?
My question is, as per the policy feature even if I'm enjoying lock the clock benefit at the age of 32 and haven't claimed for next 4 years. Now if the company itself has changed the premium for age slab 31-35 then will I pay the original premium I paid or as per the revised age slab of 31-35?
Maam is good to buy health insurance from agents or directly online.... Which is best health insurance for Diabetics Niva bupa or HDFC optima restore..
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options depending on your requirements & medical history.
Medam meri age 33 h Maine Reassure 2.0 bronze+ 20lakh 3year k liye Rs. 30k me liya hua (isme safeguard+opd nahi h) Kya ye sahi h? Maine isliye 20lakh liya kiuki clam agage Lena pad skta h
Hi ma'am, I wanted to inquire about my friend's Niva Bupa 2.0 policy, which he purchased in 2023 and recently renewed on 29th June 2024 for its second term. During the first term, he filed a claim for 2 lakhs as his youngest son was hospitalized for typhoid treatment and relapse. The claim was honoured by Niva Bupa without issues. His 2.0 policy provides 25 lakh coverage as a family floater. Since February 2024, his wife has been experiencing stomach pain, and it was only then that her condition was discovered. She was on medication, but since the pain persists, the doctor has now recommended an ovary removal procedure. This condition was discovered before the policy renewal and is not a pre-existing disease. Given that the policy was renewed on 29th June for its second term, will this procedure be covered under the renewed Niva Bupa 2.0 policy? He pays a premium of around 40,000 rupees for this coverage, which includes his wife, himself, and their two young children. If the procedure is not covered, what is the typical cost for ovary removal? We need to confirm if Niva Bupa 2.0 will cover this surgery, considering it was discovered after the policy's initial term but before the renewal. Additionally, I would like to know if Niva Bupa stops renewing policies if the insured family members make multiple claims over time. As people age, they start having health issues and might need to use the policy more frequently. My friend bought this policy with the intention of covering his health, his wife's health, and his children's health for a long time. Can the insurance company stop renewing the policy if there are consistent claims, even though the policy is intended to provide long-term coverage for the family? Please advise.
I would like to port my 8-year-old HDFC ER policy because the premium charges have been increasing significantly each year Could you suggest an alternative?
Hello jee, you can connect with us on WhatsApp/Call at 9650706699. Our team can suggest you a few suitable plans according to your requirements & medical history.
Sir I have one existing niva bhupa family floter policy from last 6 years without any claim. If I will switch this existing policy into Reassure 2.0 then my all covered disease will be same from day one to new reassure 2.0. Your guidance will be highly solicited and I have only two days to renew it. Thanks
Reg the "Home Care / Domiciliary Treatment" What if I need "Nurse to take care at home will the expenses cover on Domiciliary Treatment" On daily bases I need to take care by putting some IV and injection on time, before and after food for this I need Nurse to take care. Will the hospital provide support on sending the person to our home on daily bases, or will I need to spend from my pocket for that expense to get hired by a third party service and get the claim refunded . Pls describe in more detail on this part.
If any health issues occurred due to somoking or consumption of alcohol, claim will approve or not from health insurance like Niva Bupa reassure 2.0 plan and HDFC Ergo optima secure plan ? Please give me proper answer Also considering PED time is Completed. Answer please
I've checked the reviews about the Niva Bupa insurance company on various review sources and social network handles, it has almost 99.99% of negative feedback from the customers.
See, there are pros & cons of every company. You will find negative reviews of all the companies. But at the end it's your decision to choose a policy that fulfils your requirements.
Don't go behind reviews choose as per your requirement. If company dosent provide your claim you can approach insurance ombudsman and consumer court. So go with out fear. Every issues can be solved now adays
@anoopvmohan Ji, I agree to your point of view. Also, please note that whenever a customer is dissatisfied, he / she shall write negative reviews. However, on contrary if a customer is satisfied, he / she shall rarely take pain write positive news. That's why we come across negative reviews mostly. This is my point of view.
Madam - Some people have rumors pointing out that Claim settlement is not easy in Niva Bupa as compared to HDFC and others. Is that true? This is a very crucial point at the time of purchasing policy.
Mam I Purchased Reassure policy in Month of Jul 22 at the age of 57 Yrs and my spouse 52 Yrs for two years. Now it's due for renewal in Jul this year. In this case is it better to switch to Reassure 2.0 or to continue with Reassure plan. In case of switch/upgrade from reassure to Reassure 2.0. What would be status of waiting period of PEDs. Previous time period would be taken into account or treated as a new. Regards
Niva bupa 2.0 titanium plus policy In my proposal form they input wrong pan no.i call him to rectify my pan no. They said it rectified. Bt when I said them to send me rectified policy copy. They send me the wrong previous copy... I asked them about it They said it was changed not to worry..... is it right??? and they also said after renewal there was no change show in proposal form...
I have titanium+, but my sum assured is not increased even after no claim is made for last 2 years. It is showing same initial base sum assured in app.
No, The features of variants Titanium+, Platinum+, Bronze+, are different so it is not possible, you can add or remove additional riders and increase your Sum Insured
I am having a health companion plan and renewal is due so should I migrate to re assure 2.0 or continue with same policy and if I migrate will I get the benefit of pre existing coverage as my policy is 6 yrs old,the base cover amount is for 5 lacs and bonus last year was 10 lacs including the refill amount and also I made a claim of around 60 k last year and my existing policy also has a cover of daily hospital cash benefit of 2000. Please advice should I continue with same policy or migrate to Re Assure 2.0 platinum.
@@GurleenKaurTikku thank you so much for your prompt response still i am confused about buying Acko earlier I have Niva then port to acko. So Mam only one question between Niva and Acko which one is best..? Your response is really helpful to me .
Mam, In this plan, an annual health checkup is included. On their app under comprehensive health checkup (just cost 1500), whereas as per policy I can have max 5000/-. So can we additionally do health checkup of.remaining 3500/-.from other lab
Yes, complimentary Annual health checkup is covered once a year. You have to select for the package from the application only and it is on cashless basis, reimbursement is not allowed
Last year i paid 11000 for 45 years of my mother. This time they are asking me to pay 19060. Why so much increase in the premium They are saying due to medical inflation premium are increased
@GurleenKaurTikku Mam , the way you explain in detail is very rare talent . Even few of the agents of Niva not able to explain in this manner. I just have one query . Can you please explain the details of the add-on "Disease Management/ Smart+" . How will this benefit diabetic patients ?
Thank you so much, Keep watching for more such informative videos. Do SUBSCRIBE & for more details on Disease management rider , CHECK THIS LINK : ua-cam.com/video/IJIaeb5G0FQ/v-deo.html ua-cam.com/video/auNRVU_0Dq8/v-deo.html Thank you & Keep Watching !
I have niva bupa reassure policy fir my parents Thinking of shifting to reassure2.0 Confusion is This lock the clock thing Premium will not increase according to age untill taken a claim But will increase every year according to medicle inflation or not ? Can anyone answer please
Thank you mam.. I have another question Niva bupa 2.0 titanium plus policy In my proposal form they input wrong pan no.i call him to rectify my pan no. They said it rectified. Bt when I said them to send me rectified policy copy. They send me the wrong previous copy... I asked them about it They said it was changed not to worry..... is it right???
Gurleen Ji, there is benefit of Unlimited e-consultation mentioned in the policywordings of this policy. It is written on 8th page just before Optional Benefit heading. What does it mean?
1. Lock the clock will go away when we take premium, let's say last year, but revised premium will be based on 10L or 1.1Cr? 2. Will this ever reset to back to base premium i.e. 10L (i.e. does carry foward depend on claim amount)?
Revised Premium will depend on Base Policy of 10Lakh ( Lock The Clock ⏰ Bss Name Ka H Customer Gain krne Ke Lye . Inflation Aane Pe Premium Badh Jayega Joki Sbhi Insurance Company Increase Karti H Age Slab Ke According )
1. Revised premium will be as per your base sum assured only and not 1.1 cr 2. Yes, if the entire booster+ benefit is used ina year, it will start again from 10 lacs
Ma'am pre existing disease mai cancer hai aur vo 5year pehle cured hai to kya ye policy mai waiting period baad cover ho jayega ya nahi hoga. Pre existing disease hai to kya premium badega ya normal he rahega plzz reply kijiyega
I have Bronz+ and this policy document said lock the clock features is available in this verient. I purchased this policy on 28.09.23. Please check this & reply. I confused
Check out their policy about loading They may apply loading anytime between the policy if they find any critical illnesses and the premium bump up.. be careful
If your claim is 5 lac in 10 lac Sum insured,then remaining 5 lac + 10 lac booster will be applicaple. That is 5+10 = 15 lac , upto 15 lac.you can claim in nxt year.
Yogesh company will not issue any policy in this case same my customer didn’t get policy after stone removal from kidney nd kidney was working 27% left side nd right working in good condition
Can someone tell me ..that ..if im having health companion from last 5 years ...but now want to shift to reassure 2.0 bronze ....is it possible & how..??
If I buy the Reassure 2.0 bronze plan with Disease Management Rider which will cover Diabetes from Day 1 (My mother has diabetes) then the existing disease waiting of 4 yrs won't be a problem. Right? What do you recommend?
@@GurleenKaurTikku Hi Mam, Is kidney transplant, dialysis treatment, Heart bypass surgery, and Heart Stent Treatment covered in this Niva Bupa plan ? If we declare PED- Hypertension from day 1 at the time of taking policy for 54 yr old female?
Hello Ma'am, what is the scope of unlimited tele-consultations? Like, can we consult the doctors for normal fever, cough and other seasonal issues or is it related to the hospitalization?
Nice sales pitch but you have not covered the most important issue of Hospital Room rent. It is interesting to find out how all insurance companies have small print clauses that try to cheat the consumers. In Reassure 2.0 the agents sell the policy with assurance that there is no cap on Room rent or type of room. The policy wording also mentions the same. BUT as soon as you opt for a TOP UP of 1 Cr the wording limits the room to a "Single private room; up to Sum Insured". On enquiry, I found that the cap on room rent is 1% of the original cover. That is if you have taken a cover of 10L, this cap will be only 10,000 per night. In Zone 1 cities all good hospital rooms are at least 30% higher and the patient won't be able to afford all these hospitals. As soon as you finish the 10L cover, and even though the patient has a Topup of 1CR, he will have to downgrade the room to a single room in an affordable hospital, which may be a normal non-AC single room. depending on the type of hospital etc. So the whole purpose of having a health policy is defeated. All policy holders should be aware of the fine print.
So, if you are buying base + super top up , then both will come with different features, different cappings and sub limits. There is no capping in your base policy which is Reassure 2.0 here and if you are claiming from a different super top up policy which is Health recharge - it has single private AC room.
Mam Niva Bupa Reassure 2.0 Me Family Pensioners (Age Less Than 60 )Personal Accidental cover (Rider) Le sakte hy ! Ky claim ane pr Family Pensioners ko Personal Accident Ka claim milega ! Kui ki Normal Pensioners (Above 60) ko Personal Accidental Insurance Nahi Milta Hy ! Please Reply !🙏
I spend 36 k to get a reassure titanium plan. They take the money first and once they have it before they issue policy they start adding extra premium after medical examiner calls you . The call center team is pathetic . This is a big scam , I have still not got the policy and running behind to cancel it . Take care and please don't fall for these videos, it is better to get a policy from a different insurance company with less features than get duped .
Mam please iski modern treatments and Robotics surgery pe video bnaayo ki kis kis cases mei limit 1 lakh hai with example .mujhe policy leni hai yeh but yeh case nhi clear ho rha sublimits ka
You can check the policy wordings for more details regarding the robotic surgeries . Also, we have a detailed UA-cam Video available on our channel. LINK IN BIO !!
@@GurleenKaurTikku mene inform kiya but unhone bola c- section surgery normal hai isse koi problem nhi hai kya kru abhi policy 7 days phle liya hu kya kru policy cancel kr new fresh policy le lu Mam, Pls rply
Don't buy Niva bupa health insurance. Very slow claim reimbursement process 2 -3 months Finally they will reject due to stupid clause. They take time only to reject the claim
Hi Team, Thanks for the video, can you explain one of the benefit of Safegaurd+ feature namely Sum Insured increases with Inflation(5 or 6%) For eg if 10 Lakh Sum Insured(SI) , Titanium plus Reassure 2.0 plan, will the Sum Insured compound year on year with Inflation, i.e 10lakh's 6% on 2nd year, which is Rs1,060,000 /- and 3rd uska 6% and so on? Also Booster+ laga ke, this number can grow big! Is that the case?
I have Niva bupa Heartbeat policy from last 12yrs. Can I upgrade Niva Heartbeat policy to Reassure2? Is it worthy? Please guide.
My question is, as per the policy feature even if I'm enjoying lock the clock benefit at the age of 32 and haven't claimed for next 4 years. Now if the company itself has changed the premium for age slab 31-35 then will I pay the original premium I paid or as per the revised age slab of 31-35?
It will change as company change premium due to inflation
Inflation and tax are expections for lock the clock...
Maam is good to buy health insurance from agents or directly online.... Which is best health insurance for Diabetics Niva bupa or HDFC optima restore..
Hello jee, please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few suitable options depending on your requirements & medical history.
Medam meri age 33 h Maine Reassure 2.0 bronze+ 20lakh 3year k liye Rs. 30k me liya hua (isme safeguard+opd nahi h) Kya ye sahi h? Maine isliye 20lakh liya kiuki clam agage Lena pad skta h
What is the claim pass ratio ?
Also how good is this insurance in cases of heart attack, cancer, chemotherapy and multi organ failure cases ?
Clear and concise information. Thank you!!
Hi ma'am,
I wanted to inquire about my friend's Niva Bupa 2.0 policy, which he purchased in 2023 and recently renewed on 29th June 2024 for its second term. During the first term, he filed a claim for 2 lakhs as his youngest son was hospitalized for typhoid treatment and relapse. The claim was honoured by Niva Bupa without issues. His 2.0 policy provides 25 lakh coverage as a family floater. Since February 2024, his wife has been experiencing stomach pain, and it was only then that her condition was discovered. She was on medication, but since the pain persists, the doctor has now recommended an ovary removal procedure. This condition was discovered before the policy renewal and is not a pre-existing disease.
Given that the policy was renewed on 29th June for its second term, will this procedure be covered under the renewed Niva Bupa 2.0 policy? He pays a premium of around 40,000 rupees for this coverage, which includes his wife, himself, and their two young children. If the procedure is not covered, what is the typical cost for ovary removal? We need to confirm if Niva Bupa 2.0 will cover this surgery, considering it was discovered after the policy's initial term but before the renewal.
Additionally, I would like to know if Niva Bupa stops renewing policies if the insured family members make multiple claims over time. As people age, they start having health issues and might need to use the policy more frequently. My friend bought this policy with the intention of covering his health, his wife's health, and his children's health for a long time. Can the insurance company stop renewing the policy if there are consistent claims, even though the policy is intended to provide long-term coverage for the family? Please advise.
I would like to port my 8-year-old HDFC ER policy because the premium charges have been increasing significantly each year Could you suggest an alternative?
Hello jee, you can connect with us on WhatsApp/Call at 9650706699. Our team can suggest you a few suitable plans according to your requirements & medical history.
Mam u have good knowledge of Niva Bupa health insurance
@@GurleenKaurTikkuI also agent of Niva Bupa and I follow your health insurance policy video t
@@komalsinghnayal5930 Thank you so much , keep watching !
Kuch bi karlo dost magar NIVA BUPA mat lena....bade kamine log hai wo... personal experience 😢😢
I had purchased platinum last year ... Next month my renewal is due .. can I move to titanium??
Yes, you can move from Platinum to Titanium Plan.
My health insurance Oriental Last 10 years ab mare ko PORT KARANA HAI 2016 mai mara hip replacement surgery hua hai to wating period Aya ga
Sir
I have one existing niva bhupa family floter policy from last 6 years without any claim. If I will switch this existing policy into Reassure 2.0 then my all covered disease will be same from day one to new reassure 2.0.
Your guidance will be highly solicited and I have only two days to renew it.
Thanks
Don't buy Niva Bhupa Health insurance, they reject my cashless claim, 7 yrs old policy. I am thinking of port to other Health insurance company.
Why did they reject? Any specific reason. It was 7 years old policy
Choose wisely choose whole life policy, Chose Lic 🙏
@@LIC.DOst77boss LIC is life insurance, this is health insurance, don't confuse others blindly
Why they rejected it
🤣🤣🤣🤣🤣 ye lic wale bhi@@venki232323
Reg the "Home Care / Domiciliary Treatment"
What if I need "Nurse to take care at home will the expenses cover on Domiciliary Treatment" On daily bases I need to take care by putting some IV and injection on time, before and after food for this I need Nurse to take care. Will the hospital provide support on sending the person to our home on daily bases, or will I need to spend from my pocket for that expense to get hired by a third party service and get the claim refunded . Pls describe in more detail on this part.
No, This will not be covered in domiciliary / Home care treatement
is there any age regarding difference in platinum and titanium in terms of 5x and 10x?
Plz advice best plan
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you !
Booster+ may koi entry Age ki limitation hai? kya 50+ age female ki 10x ho sakta hai?
I have already bough niva bupa reassure 2.0 platinum plus and now i want to convert into titanium plus. Is it possible ?
Not now on renewal
I purchased broze today can i upgrade to platinum now or ? yes pls tell me how ?
Yes, you can upgrade at the time of renewal
If any health issues occurred due to somoking or consumption of alcohol, claim will approve or not from health insurance like Niva Bupa reassure 2.0 plan and HDFC Ergo optima secure plan ?
Please give me proper answer
Also considering PED time is Completed.
Answer please
It will come under permannet exclusion - self infilction and may not be paid for any insurance policy
Hello mam kya me bronze wale mai lock the clock karwa sakta hu ya avi me modified kar sakta hu bronze wale ko
maam i think lock the clock feature is available for Bronze+ as well coz i paid same amount of premium for my successive renewal...please check once
I've checked the reviews about the Niva Bupa insurance company on various review sources and social network handles, it has almost 99.99% of negative feedback from the customers.
Really?? What's the site
See, there are pros & cons of every company. You will find negative reviews of all the companies. But at the end it's your decision to choose a policy that fulfils your requirements.
Don't go behind reviews choose as per your requirement. If company dosent provide your claim you can approach insurance ombudsman and consumer court. So go with out fear. Every issues can be solved now adays
@@anoopvmohan Agreed 👍
@anoopvmohan Ji, I agree to your point of view. Also, please note that whenever a customer is dissatisfied, he / she shall write negative reviews. However, on contrary if a customer is satisfied, he / she shall rarely take pain write positive news. That's why we come across negative reviews mostly.
This is my point of view.
Madam - Some people have rumors pointing out that Claim settlement is not easy in Niva Bupa as compared to HDFC and others. Is that true? This is a very crucial point at the time of purchasing policy.
Hdfc is good
No match for HDFC ,every one knows
Is plan me maternity benefit hoga
Mam
I Purchased Reassure policy in Month of Jul 22 at the age of 57 Yrs and my spouse 52 Yrs for two years. Now it's due for renewal in Jul this year.
In this case is it better to switch to Reassure 2.0 or to continue with Reassure plan. In case of switch/upgrade from reassure to Reassure 2.0. What would be status of waiting period of PEDs. Previous time period would be taken into account or treated as a new. Regards
Reassure 2.0 is better version of Reassure, you can consider migrating.
Waiting period for PEDs will be carried forward.
Niva bupa 2.0 titanium plus policy
In my proposal form they input wrong pan no.i call him to rectify my pan no. They said it rectified. Bt when I said them to send me rectified policy copy. They send me the wrong previous copy... I asked them about it They said it was changed not to worry..... is it right???
and they also said after renewal there was no change show in proposal form...
I have titanium+, but my sum assured is not increased even after no claim is made for last 2 years. It is showing same initial base sum assured in app.
What is the minimum sum insured optional available in Portability case for Delhi NCR?
50000
I am planning to buy ReAssure 2.0 Titanium +, Do I need to add Safeguard or Safeguard + ?
Better to add safeguard + as it gives better coverage
Thanks for very very useful information regarding Mediclaim policy.
Satyendra Kumar.
Insurance advisor.
Thank you jee, keep watching for more such informative content.
Mam if i want to add Disease management which starts from day 1 what about that??
Hello mam ihave purchased bronze +....can i covert it into platinium + during renewal of policy
No, The features of variants Titanium+, Platinum+, Bronze+, are different so it is not possible, you can add or remove additional riders and increase your Sum Insured
Is there any sub limit for some disease????
i have purchased titanium plan with 5Lakh cover so can i upgrade that plan to 10 Lakh cover?
But on renewal period
I am having a health companion plan and renewal is due so should I migrate to re assure 2.0 or continue with same policy and if I migrate will I get the benefit of pre existing coverage as my policy is 6 yrs old,the base cover amount is for 5 lacs and bonus last year was 10 lacs including the refill amount and also I made a claim of around 60 k last year and my existing policy also has a cover of daily hospital cash benefit of 2000.
Please advice should I continue with same policy or migrate to Re Assure 2.0 platinum.
Migration from Health Companion to ReAssure 2.0 is not possible,kindly continue with the same policy
Hi Mam , Can you make a detail video of Acko platinum plan and it's worth to buy new company like acko?
We already have a video available on ACKO PLATINUM : ua-cam.com/video/Ogrn8kfBi7U/v-deo.htmlsi=XEcNoehASwYAZnZ_
@@GurleenKaurTikku thank you so much for your prompt response still i am confused about buying Acko earlier I have Niva then port to acko. So Mam only one question between Niva and Acko which one is best..? Your response is really helpful to me .
Please dont buy nivabupa problem in claim settlement
Mam,
In this plan, an annual health checkup is included.
On their app under comprehensive health checkup (just cost 1500), whereas as per policy I can have max 5000/-. So can we additionally do health checkup of.remaining 3500/-.from other lab
Yes, complimentary Annual health checkup is covered once a year. You have to select for the package from the application only and it is on cashless basis, reimbursement is not allowed
My mother has Anemia, Can I buy her this health insurance? please reply. Thanks
Get well soon
Last year i paid 11000 for 45 years of my mother.
This time they are asking me to pay 19060.
Why so much increase in the premium
They are saying due to medical inflation premium are increased
yes sir every 5 year increase hota hai medical inflation
Mam u r telling about pros and cons but what about clam ratio? Is that reliable in emergency
We have mentioned the ratios in our previous Niva Bupa ReAssure 2.0 Detailed Review.
@@GurleenKaurTikku ur videos r so detailed I have gain so much knowledge from ur videos thank u , keep doing 👍
@@gopalbiswas4583 Thanks , keep watching !
Hello Madam
I am going to buy Nivs Bupa bronze for 5 Lac cover for me & wife
Though, I have corporate cover with me
Kindly advice
Me34&wife31which is best for meniva bupa reAssure2.0platinum yea phir star health Assure..
Star health assure
Can i migrate from reassure to reassure 2. Plz confirm
Yes you can do it on your renewal
@@ashishjaijaan9415 No, we can't migrate from reassure to reassure 2... Confirmed from company at time of renewal
No we can't
Mem. Mera age 41 hai. Titanium Plus , 10 Lac wala plan self ke liye monthly payment kya rahega. Please reply.
Hii
Pura nahi bataya hai, bronze gold bronze+ titanium plus , platinum + difference kyaa hai
Dental bhi cover hotha hai kya
no
3 years ke bad kya niva bupa ko ab 1 saal ka karna chahte hai kya karna hoga
@GurleenKaurTikku Mam , the way you explain in detail is very rare talent . Even few of the agents of Niva not able to explain in this manner. I just have one query . Can you please explain the details of the add-on "Disease Management/ Smart+" . How will this benefit diabetic patients ?
Thank you so much, Keep watching for more such informative videos. Do SUBSCRIBE & for more details on Disease management rider , CHECK THIS LINK : ua-cam.com/video/IJIaeb5G0FQ/v-deo.html
ua-cam.com/video/auNRVU_0Dq8/v-deo.html
Thank you & Keep Watching !
You need to take a rider for disease mangement for reassure 2.0, so it can cover you from the day one for that disease.
I have niva bupa reassure policy fir my parents
Thinking of shifting to reassure2.0
Confusion is
This lock the clock thing
Premium will not increase according to age untill taken a claim
But will increase every year according to medicle inflation or not ?
Can anyone answer please
Premium increase due to inflation is onec in 3- 4 years across all insurance comapnies
Can it is portability from Aditya Birala to Re assure brounze+ in 2nd year.
Hi,
For any health insurance queries or assistance , connect with us on WhatsApp/Call at 9650706699.
Thank you & keep watching !!
In bronze plan after 3 years the sum insured become 40Lacs(10L base sum). So, from 4th year can we claim 40 Lacs for every ?? year
For any queries related to this plan , connect with us on WhatsApp at 9650706699. Our team can assist you 😊
Is physiotherapy covered in Niva Bupa 2.0 Titanium + ?
If there is a hospitalisation & physiotherapy is mandatory. it will be covered under pre & post hospitalisation expenses.
Thanks for responding
Yes, It's on cashless basis
My address in zone 2.. can I avail it cashless in all India zone 1 hospital?. Reassure 2.0 titanium plus
Yes , you can avail as there is no zonal co-payment.
Thank you mam..
I have another question
Niva bupa 2.0 titanium plus policy
In my proposal form they input wrong pan no.i call him to rectify my pan no. They said it rectified. Bt when I said them to send me rectified policy copy. They send me the wrong previous copy... I asked them about it They said it was changed not to worry..... is it right???
Dental and eye treatment cover hota hain kya?
No
Eye treatment is covered right, after 3 years of policy?
What is lock the clock and is it applicable in bronze class
And for what amount
Hello jee,
For any queries on ReAssure 2.0 ,Please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you !
Gurleen Ji, there is benefit of Unlimited e-consultation mentioned in the policywordings of this policy. It is written on 8th page just before Optional Benefit heading.
What does it mean?
Hi, please check our detailed video on Niva Bupa ReAssure 2.0 for more clarity.
1. Lock the clock will go away when we take premium, let's say last year, but revised premium will be based on 10L or 1.1Cr?
2. Will this ever reset to back to base premium i.e. 10L (i.e. does carry foward depend on claim amount)?
Revised Premium will depend on Base Policy of 10Lakh ( Lock The Clock ⏰ Bss Name Ka H Customer Gain krne Ke Lye . Inflation Aane Pe Premium Badh Jayega Joki Sbhi Insurance Company Increase Karti H Age Slab Ke According )
1. Revised premium will be as per your base sum assured only and not 1.1 cr
2. Yes, if the entire booster+ benefit is used ina year, it will start again from 10 lacs
Ma'am pre existing disease mai cancer hai aur vo 5year pehle cured hai to kya ye policy mai waiting period baad cover ho jayega ya nahi hoga. Pre existing disease hai to kya premium badega ya normal he rahega plzz reply kijiyega
Policy will not be possible with cancer as PED
100 % cash less h ya extra expense dena pdega( cotton , buds, gloves etc)
Hello jee, please connect with our team on WhatsApp/Call at 9650706699.
Our team can assist you with a few options !
Is it available in Bronze+ yearly free health check benefits?
Please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with all your queries.
I have Bronz+ and this policy document said lock the clock features is available in this verient. I purchased this policy on 28.09.23. Please check this & reply. I confused
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It's not available in bronze variant
What happens to health insurance policy when the proposer dies?
May I sift my plan from reassure to reassure 2.0
Currently internal portability is not available.
Very Good company
👍
Can someone confirm Oxygen given in ICU is considered as bio waste and rejected in Claim. TPA is mediassist
Never
Check out their policy about loading
They may apply loading anytime between the policy if they find any critical illnesses and the premium bump up.. be careful
Hence i am considering Acko health care but not sure yet..
Cz care also same they have lower premium now but increase the premium aft sometime..
Madam i am currently using niva Bupa Reassure, can i upgrade this policy to 2.0 new version??
No. currently internal portability is not available
What is your experience during claim ?
I am port to niva bhupa. Can u tell me your experience. My old policy Star health. I am porting to niva bhupa. So plz u tell me your experience.
How does the booster+ works if a 5L claim is paid in the first year it self for a 10L base sum ?
If your claim is 5 lac in 10 lac Sum insured,then remaining 5 lac + 10 lac booster will be applicaple. That is 5+10 = 15 lac , upto 15 lac.you can claim in nxt year.
Ma'am I want to port/migrate my existing policy (reassure) to reassure 2.0. Is it possible? What about my continuity benefits??
No, currently internal portability is not allowed 😊
@@GurleenKaurTikku so in that case I have to buy a fresh policy right? And If I switch to reassure 2.0 I will lose all the continuity benefits?
@@GurleenKaurTikku thanks for your response
@@priyabanik896 yes, only fresh policies will be issued !
@@GurleenKaurTikku thank you ma'am
Do I need to disclose C section pregnancy in proposal form of policy.
Yes
Can I port from existing Reassure to Reassure 2.0?
No, currently internal portability is not allowed.
Hi Gurleen,
I have got kidney transplant in Aug 21.
I want a health insurance now with PED of transplant.
Please suggest best plan for me
Yogesh jee, Policy is not possible
Please suggest for me with exception of KTP.
@@GurleenKaurTikku Thanks mam
Yogesh company will not issue any policy in this case same my customer didn’t get policy after stone removal from kidney nd kidney was working 27% left side nd right working in good condition
Only CARE Freedom with Permanent Exclusion
If suppose my plan is 10lac we use amount of 20lac in 3rd year what is remaining amount and what about reassure
Hello jee, For any queries regarding this plan, Please connect with us on WhatsApp/Call at 9650706699.
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@@GurleenKaurTikkuwhy didn't you reply , calling for sattlement for cash demand
The balance 10 lacs will be transferred to the 4th year. Already explained in the table in the video as well. Thanks
Can someone tell me ..that ..if im having health companion from last 5 years ...but now want to shift to reassure 2.0 bronze ....is it possible & how..??
Yes, you can
NIVA BUPA
1) Bronze
2) Titanium
3) Platinum
4)scammers
5)Reasons to reject your claims
If I buy the Reassure 2.0 bronze plan with Disease Management Rider which will cover Diabetes from Day 1 (My mother has diabetes) then the existing disease waiting of 4 yrs won't be a problem. Right? What do you recommend?
Did u take it?
Mam can i switch old reassure to new 2.0
Yes you can. Contact customer care 😊
Mam please advise if critical illnesses are covered as part of Bronze base policy - if diagnosed AFTER buying the policy?
Yes, covered
can i upgarde my niva bupa reassure direct to titanium
Mam lock the clock is a rider or inclusive in insurance
Madam moratorium period applicable on port policy
Not applicable
Ma'am muje premium 23000 bataya h platinum+ ka 2 adult nd 1 baby
Hi mam, Is personal accident cover/ road accident in this video ? In case we have family floater ?
Jee, hospitalisation is mandatory.
@@GurleenKaurTikku Hi Mam, Is kidney transplant, dialysis treatment, Heart bypass surgery, and Heart Stent Treatment covered in this Niva Bupa plan ? If we declare PED- Hypertension from day 1 at the time of taking policy for 54 yr old female?
Hello Ma'am, what is the scope of unlimited tele-consultations? Like, can we consult the doctors for normal fever, cough and other seasonal issues or is it related to the hospitalization?
OPD consultations
Nice sales pitch but you have not covered the most important issue of Hospital Room rent. It is interesting to find out how all insurance companies have small print clauses that try to cheat the consumers. In Reassure 2.0 the agents sell the policy with assurance that there is no cap on Room rent or type of room. The policy wording also mentions the same. BUT as soon as you opt for a TOP UP of 1 Cr the wording limits the room to a "Single private room; up to Sum Insured". On enquiry, I found that the cap on room rent is 1% of the original cover. That is if you have taken a cover of 10L, this cap will be only 10,000 per night. In Zone 1 cities all good hospital rooms are at least 30% higher and the patient won't be able to afford all these hospitals. As soon as you finish the 10L cover, and even though the patient has a Topup of 1CR, he will have to downgrade the room to a single room in an affordable hospital, which may be a normal non-AC single room. depending on the type of hospital etc. So the whole purpose of having a health policy is defeated. All policy holders should be aware of the fine print.
So, if you are buying base + super top up , then both will come with different features, different cappings and sub limits.
There is no capping in your base policy which is Reassure 2.0 here and if you are claiming from a different super top up policy which is Health recharge - it has single private AC room.
10 lakh ki policy m third year m 30 lakh ka claim le sakte h?
Yes
Problem in claim settlement no customer care service
Mam Niva Bupa Reassure 2.0 Me Family Pensioners (Age Less Than 60 )Personal Accidental cover (Rider) Le sakte hy ! Ky claim ane pr Family Pensioners ko Personal Accident Ka claim milega ! Kui ki Normal Pensioners (Above 60) ko Personal Accidental Insurance Nahi Milta Hy ! Please Reply !🙏
Hi, For any queries related to this plan : feel free to connect with us on WhatsApp/Call at 9650706699.
Thank you , keep watching !
I spend 36 k to get a reassure titanium plan. They take the money first and once they have it before they issue policy they start adding extra premium after medical examiner calls you . The call center team is pathetic . This is a big scam , I have still not got the policy and running behind to cancel it . Take care and please don't fall for these videos, it is better to get a policy from a different insurance company with less features than get duped .
So you should have an existing disease that's why they taken additional premium
It's Called Loading Premium which Every Company Charges Basis on ur Health Status.
Ayush treat cashless h?
Yes
Mam niva bupa health insurance company ke reassure 2.O me 2 variant gold or brown add huwa hai. Please help to clear both varieties benifits
What is meant by room rent = Single private room in Care health insurance policy, plan name - CARE.
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Excellent 🙏
Thank you so much, keep watching !!
Good information vedeo
Thank you jee, keep watching !
Mam please iski modern treatments and Robotics surgery pe video bnaayo ki kis kis cases mei limit 1 lakh hai with example .mujhe policy leni hai yeh but yeh case nhi clear ho rha sublimits ka
You can check the policy wordings for more details regarding the robotic surgeries . Also, we have a detailed UA-cam Video available on our channel.
LINK IN BIO !!
Mam, mere agent ne pregnancy se related kuch pucha hi nhi ab me kya kru policy cancel kra du ya nhi mam pls rply
Mam, pls rply
You should inform !
@@GurleenKaurTikku mene inform kiya but unhone bola c- section surgery normal hai isse koi problem nhi hai kya kru abhi policy 7 days phle liya hu kya kru policy cancel kr new fresh policy le lu
Mam, Pls rply
Please write an email to your insurer about c section, so that means you communicated with them. In future they can't blame on you.
Mam mere ko pmjjby ke related kuch puchna hai
Please share your query.
Ese kese baatu photo hai vo
Don't buy Niva bupa health insurance.
Very slow claim reimbursement process 2 -3 months
Finally they will reject due to stupid clause.
They take time only to reject the claim
Right good
Thank you jee, keep watching !
Nice