How to compare a general insurance company like HDFC Ergo with a standalone insurer like Star, Care or Niva Bupa as the general insurance companies has other insurance products as well. For example (I did a small analysis. Please correct me if I am wrong), HDFC Ergo has a compaint volume of around 6% where as its 30-40% for Care or Niva Bupa. But we can't read that 6% as such as a really good one as HDFC Ergo has other policies like Motor, Fire, etc. So I tried to find out what is the total volume of the health insurance within HDFC Ergo against the total premiums they collect (Gross Written Premium). I can read from their annual report they have around 30-35% of health insurance. Now coming to their complaint volume. Assuming (worst case), the entire 6% of the complaints coming in this 30-35% of the health insurance share they have, 3 times 6% (calculating only for their health insurance) would be 18% which is still way less than the complaint volumes of Niva Bupa & Care. The numbers may change in future. But is the right way to compare a general insurer & a standalone health insurer??
No one is talking about zone wise restriction for Care Supreme plan. I also connected with Ditto team. They mentioned there is no restriction. Always they are giving copy pasted answer. They are not bother about asking the right question to Care insurance. I connected with Care insurance directly. Care insurance mentioned that if you purchase zone2 policy as you are staying in zone2, you can claim in zone 1 if there is doctor referral and travel history documents. As my understanding this is a restriction if any one is willing to go to zone 1 city for any critical illness treatment.
Wow you guys started to make videos on Insurance, this was much needed. Please cover Niva bupa reassure 2.0 Platinum & Aditya Birla Active Fit Plus :) Keep up the good work, best of luck for the UA-cam journey ❤
i dont understand why you guys never talk about star health insurance, they alone sold the max no.of policies than the rest all combined? 00:50 timestamp
Wrong info : In care supreme policy wording document if you search Unlimited Restore benfit it is clearly mentioned that refill will only be done when you have completly exhaused your sum insured not partially which means even if 5k sum insured is left in that policy tenure they will not refill untill it get exhausted to 0 which is very rare.
Hey Nikhil, Thank you for your response. We understand that the policy wordings can be a bit confusing with Insurance plans in general. However, we would like to clarify the working of restoration (Unlimited Automatic Recharge) in the Care Supreme plan. If we closely read the policy wording, it can be noticed that it is mentioned as 'The Recharge shall be utilized only after the base Sum Insured, applicable Cumulative Bonus......have been completely exhausted in that Policy Year' which effectively means, the restored sum assured is triggered on partial exhaustion but can be consumed only on complete exhaution. We have consulted regarding this with Care Health Insurance and they have confirmed the same.
Same question i have asked paisabazaar team,they told me both are same but ditto team said both are different plans thats why they charge more than paisabazaar.
@@dittoinsurance is it possible in case of Care supreme? Suppose I take policy from Guwahati, then can I get treatment done in cities like Chennai, Hyderabad, Delhi if needed?
Hi, this depends on various factors like their age, medical histories etc. Kindly book a free call with us and our best Advisors will help you out: bit.ly/46v6tIm
Thanks for the informative video & best wishes to the team & channel ahead. I am a 27Yr old IT professional, looking to buy a Health Insurance. Of all the research, confused between HDFC Optima Secure (or super secure) v/s Niva Bupa Reassure 2.0. Also a doubt, suppose I take individual plan for for now, can I convert this to family plan in 2-3 Yrs? how should one proceed in such case? Budget is not much of a constraint for a difference of 3-5k between plans. My priority is Hassle free claim when it's time to avail the benefits without much of "Jhig-Jhig" :)
Hi there, we understand it’s a little tricky to research about insurance plans. Don’t worry, we’ve already done the work for you and looking forward to help you in this (obviously, without much of “jhig-jhig” 😉). Book a call here: bit.ly/3tWTdyO We don’t charge a single rupee!
While this video is in our pipeline, why don't you check this out for more information on Manipal Cigna ProHealth Prime Protect Plan joinditto.in/health-insurance/manipal-cigna/prohealth-prime-protect/
Navi is very bad bro, not sure about claim settlement but their customer service is very poor. If you ask them any question, they will revert you after 15-20 days. They are selling cheap plans to gauge buyer attention and place a field. I purchased their insurance mistakenly but realised early and cancelled the policy
This video is in our pipeline, meanwhile, why don't you check out the link below for information on Star Health Insurance Policies joinditto.in/health-insurance/star-health/
My father availed two cashless cataract surgeries with a gap of 21 days at Disha Eye Hospital, Howrah, West Bengal. Cashless claims were very smooth, no issue was there. Not even single penny was given from pocket to the hospital. Interestingly, insurance policy was taken through Punjab National Bank as bank's customer family floater policy, which was available at much cheaper rate than direct company policy. It is widely accepted or established that Care do not entertain claim, but it's not so. If claim/claims is/are genuine, it approves, be it through bank policy or direct policy.
Care is very pathetic when it comes to claim settlement...as per their policy they cover only critical cases. That means you should wait for case to go in critical stage if you want claim. Otherwise they will simply reject claim with reason that patient could have cured on OPD basis
Correction: Care Supreme offers a cumulative bonus, which means 50% bonus gets added each year upto 100% - regardless of claim.
Raking table doesn't look correct. Star's number is highest, still not on 1st why ??
How to compare a general insurance company like HDFC Ergo with a standalone insurer like Star, Care or Niva Bupa as the general insurance companies has other insurance products as well.
For example (I did a small analysis. Please correct me if I am wrong), HDFC Ergo has a compaint volume of around 6% where as its 30-40% for Care or Niva Bupa. But we can't read that 6% as such as a really good one as HDFC Ergo has other policies like Motor, Fire, etc. So I tried to find out what is the total volume of the health insurance within HDFC Ergo against the total premiums they collect (Gross Written Premium). I can read from their annual report they have around 30-35% of health insurance.
Now coming to their complaint volume. Assuming (worst case), the entire 6% of the complaints coming in this 30-35% of the health insurance share they have, 3 times 6% (calculating only for their health insurance) would be 18% which is still way less than the complaint volumes of Niva Bupa & Care.
The numbers may change in future. But is the right way to compare a general insurer & a standalone health insurer??
is restore benefit available in partial claim as well or only when whole of sum insured is exhausted? Please clarify
What if I added add on like PED reduce to 2 years, Can I remove that add on after 2 years or Do I need to pay that add on charges on every renewal?
Yes, u will have to pay for addon only for 2 years
You will need to pay the cost of the rider for 4 years which is the standard waiting period for PED under Care supreme and later remove the same
No one is talking about zone wise restriction for Care Supreme plan. I also connected with Ditto team. They mentioned there is no restriction. Always they are giving copy pasted answer. They are not bother about asking the right question to Care insurance.
I connected with Care insurance directly. Care insurance mentioned that if you purchase zone2 policy as you are staying in zone2, you can claim in zone 1 if there is doctor referral and travel history documents.
As my understanding this is a restriction if any one is willing to go to zone 1 city for any critical illness treatment.
Wow you guys started to make videos on Insurance, this was much needed.
Please cover Niva bupa reassure 2.0 Platinum & Aditya Birla Active Fit Plus :)
Keep up the good work, best of luck for the UA-cam journey ❤
Thank you so much for the support, Abhishek! 🙌
Mam, Looks to be its good plan. Especially your explanation is really good. Please keep it up
Ma'am says, "Thanks a lot!"
i dont understand why you guys never talk about star health insurance, they alone sold the max no.of policies than the rest all combined?
00:50 timestamp
It is because their claim process is very bad.... they have very high claim rejection
isme co pay nahi hai par deductable hai kya?
No... But you can take deductible as an add-on
Wrong info : In care supreme policy wording document if you search Unlimited Restore benfit it is clearly mentioned that refill will only be done when you have completly exhaused your sum insured not partially which means even if 5k sum insured is left in that policy tenure they will not refill untill it get exhausted to 0 which is very rare.
Hey Nikhil,
Thank you for your response. We understand that the policy wordings can be a bit confusing with Insurance plans in general.
However, we would like to clarify the working of restoration (Unlimited Automatic Recharge) in the Care Supreme plan. If we closely read the policy wording, it can be noticed that it is mentioned as 'The Recharge shall be utilized only after the base Sum Insured, applicable Cumulative Bonus......have been completely exhausted in that Policy Year' which effectively means, the restored sum assured is triggered on partial exhaustion but can be consumed only on complete exhaution.
We have consulted regarding this with Care Health Insurance and they have confirmed the same.
Why speaking out big words speak simple English does it requires to exhaust total sum insured to get refill?
Does care supreme and care supreme direct have same benefits ?
Same question i have asked paisabazaar team,they told me both are same but ditto team said both are different plans thats why they charge more than paisabazaar.
Yes- the only difference is Care Direct offers a maternity option.
Can i take this policy after bypass surgery was done before 10 years?
Hey! We'll need more details. Please talk to us for FREE- bit.ly/4787WoW
Can you tell me how is Reliance Infinity health plan?
Manipal cigna prime advantage, ICICI Lombard health insurance, bajaj Allianz health guard platinum please consider these 3
हमने आर्यावर्त बैंक का दस लाख का हेल्थ इंश्योरेंस लिया है group 360 jiska प्रीमियम हमने 15400/ जमा किया है क्या ये सही है कल ही लिया हैं
Can lower zone customers take treatment in a higher zone without copayment?
It depends on the plan you're taking.
Thanks for replying, specifically In care supreme and care advantage?
@@dittoinsurance is it possible in case of Care supreme? Suppose I take policy from Guwahati, then can I get treatment done in cities like Chennai, Hyderabad, Delhi if needed?
Zone 1 can take treatment anywhere but not zone 2. Because premiums are higher for zone 1.
what is the minimum sum assured one should buy for parents?
Hi, this depends on various factors like their age, medical histories etc.
Kindly book a free call with us and our best Advisors will help you out: bit.ly/46v6tIm
25L minimum for 1 member
Why star is not ranked first ? Star sold more way more policies than the sum of all other insurers. @00:50
Thanks for the informative video & best wishes to the team & channel ahead.
I am a 27Yr old IT professional, looking to buy a Health Insurance. Of all the research, confused between HDFC Optima Secure (or super secure) v/s Niva Bupa Reassure 2.0.
Also a doubt, suppose I take individual plan for for now, can I convert this to family plan in 2-3 Yrs? how should one proceed in such case?
Budget is not much of a constraint for a difference of 3-5k between plans. My priority is Hassle free claim when it's time to avail the benefits without much of "Jhig-Jhig" :)
Hi there, we understand it’s a little tricky to research about insurance plans. Don’t worry, we’ve already done the work for you and looking forward to help you in this (obviously, without much of “jhig-jhig” 😉).
Book a call here: bit.ly/3tWTdyO
We don’t charge a single rupee!
Reassure 2.0 having zone wise limit
Hi medam
Good example
Can you make video on manipalcigna prime protect plan
While this video is in our pipeline, why don't you check this out for more information on Manipal Cigna ProHealth Prime Protect Plan joinditto.in/health-insurance/manipal-cigna/prohealth-prime-protect/
care is atandalone, while hdfc offers policies in various. hemce voulme is much in case of care
Problem with Care is its plans are too much lucrative and too good to be true. Raising doubt own company where they will compensate these offers.
What about Navi Health Insurance? Plz respond
Hi Suhas, added to the list. Stay Tuned! 🙌
Navi is very bad bro, not sure about claim settlement but their customer service is very poor. If you ask them any question, they will revert you after 15-20 days. They are selling cheap plans to gauge buyer attention and place a field. I purchased their insurance mistakenly but realised early and cancelled the policy
Waiting for Navi as well, looking forward to it! @@dittoinsurance
Critical illness covered h kya?
Yes , critical illness hone se pehle apko policy lena hain.
maa'm you are great and so preety
ICR comparisons
I think you guys should not promote any insurance company rather than explaining their plan only..
Please make video on Acko insurance
Noted! will do.
They won't as they don't sponsor 😂
Cover star health comprehensive insurance
This video is in our pipeline, meanwhile, why don't you check out the link below for information on Star Health Insurance Policies
joinditto.in/health-insurance/star-health/
Hdfc increases premium every year while care increases every 5 years.
Which company is good....
Please make video on care advantage and difference between supreme and advantage. Thank you.
Noted. Stay tuned! 🙌
Both are good plan
Care ki policy lo aur faso...bahut pachhtaoge claim ke time pe.
My father availed two cashless cataract surgeries with a gap of 21 days at Disha Eye Hospital, Howrah, West Bengal. Cashless claims were very smooth, no issue was there. Not even single penny was given from pocket to the hospital. Interestingly, insurance policy was taken through Punjab National Bank as bank's customer family floater policy, which was available at much cheaper rate than direct company policy. It is widely accepted or established that Care do not entertain claim, but it's not so. If claim/claims is/are genuine, it approves, be it through bank policy or direct policy.
Tum ekdam gadhe ho😂....care baap hai sabka
Baki sab lulli hai
Today only my dad got discharged and I got 100% claim of 1.5 lakhs. Didn't find any problem
@@dhiri1992I also get 4 time cashless claim amount of Rs 4 lakh
@@dhiri1992 claim Ane se customer care number pe call karne se help kar deta hai??
Pathetic customer care. One should avoid care health insurance
The network of hospitals is not good at all
Care is very pathetic when it comes to claim settlement...as per their policy they cover only critical cases. That means you should wait for case to go in critical stage if you want claim. Otherwise they will simply reject claim with reason that patient could have cured on OPD basis
Its a paid review, and yoi should mention it.
Poor Customer service
😀 Promo-SM
Chor company hai care
I don't have any problem bro. My uncle's claim has been completely settled for 10 lakhs rupees in the first year itself.
@@bhairavaswami2660is it ? I am new in health insurance....so guys pl suggest me a good company
@@bhairavaswami2660 Which plan does your uncle have? Care Supreme Save or Supreme Direct?
Care health insurance....worst services
Why
Can you please give some more info