Health insurance for yourself | Ankur Warikoo Hindi Video- Choosing the best Health Insurance Policy
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- Опубліковано 27 чер 2024
- Should you buy health insurance if you are healthy?
If you’re young and have no chances of critical illness?
How to decide your insurance based on the basic principle of insurance?
We’ll explore all this, in Part 4 of the 6-video series: “The Complete Guide to Buying Insurance”
To download the notes for this video, please click - bit.ly/3shxSv1
To browse through Term life insurance plans on PolicyBazaar, please click - bit.ly/3eHkZrk
To browse through health insurance plans on PolicyBazaar, please click bit.ly/3dgKQmH
In Part 1, 2, and 3, we covered
Basics of Insurance: • Basics of Insurance | ... ,
Understanding Life Insurance: • Understanding Life Ins... ;
and
Health insurance for your Parents: • NEVER buy the same Hea...
In this video we will talk about the right age to buy health insurance, why it should NOT be linked to your parents’ insurance policy and also, all the parameters you should consider while buying health insurance.
Also, do you even need it if you have a corporate plan already?
We will also walk through a step-by-step process of buying it on www.policybazaar.com/ so that you know how smooth and effortless it is!
If you have any other questions, feel free to pop them up in the comments section below.
The Complete Guide to Buying Insurance is in association with PolicyBazaar.com as my knowledge partner.
#warikoo #healthinsurance #policybazaar
Click here to subscribe to my UA-cam channel: shorturl.at/bizNX
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Ankur Warikoo is an entrepreneur, an angel investor, a mentor and an active public speaker.
For the past 4 years, Warikoo has been actively sharing content on UA-cam, LinkedIn, Instagram, Facebook and Twitter amassing a following of 3Mn+ people.
He posts 3 Hindi and English videos every week on his UA-cam channel, where he talks about entrepreneurship, how to grow in life, personal finance and failure.
Warikoo started his entrepreneurial journey in 2008. His most recent startup is nearbuy.com where he was the founder and CEO from 2015 until 2019.
Prior to that, Ankur started Groupon’s India business in 2011 and acted as the Country CEO from 2011-15, and Head of Groupon APAC from 2013-15.
An alumnus of the Indian School of Business, Ankur is an active Angel investor and mentor to several startups.
Ankur has been part of Fortune Magazine’s 40 under 40 List for India, LinkedIn India’s PowerProfiles List, LinkedIn India’s Spotlight List and India’s Top Executives under 40 list.
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The Complete Guide to Buying Insurance is in association with PolicyBazaar.com as my knowledge partner.
To download the notes for this video, please click - bit.ly/3shxSv1
To browse through Term life insurance plans on PolicyBazaar, please click - bit.ly/3wJiY20
To browse through health insurance plans on PolicyBazaar, please click bit.ly/3dgKQmH
Sir kya health insurance 60yrs ka baad bhi rahta ha ki terminate ho jata ha
Not convinced with your point about ki parents ka issuance alag hona chahie 'cause premium me only 8k difference
Can I start at 19 and then add people whenever necessary
Sir, I guess you should also aware people about top-up insurance plan
That means let's suppose "X" can bare the expenses of hospitalisation up to "RS 180000" but if the bill is more from this he wants a health insurance so he can go for a top-up health-insurance that means if his insurance is for upto "RS 2000000" so the insurance will look after him for the expenses "1.8L to 20L" this will make the cost of health insurance premium go down to almost nothing.Bcz health insurance companies charge on the low amount settlements.
@@Kunj1710Bhai premium me 8000 ka difference mtlb (8000*12months=RS 108000)
I first press the like button and then continue watching, because I know that ankur Sir's Videos are always amazing
Hi Ankur,
You are truly a mentor to me..thanks for amazing videos on all the important topics ..your videos are so clear n precise and it has made me more aware on personal finance.
Also you are so humble.
Thanks for sharing .😇😇😇
I m constantly learning from you and hope that I too spread more knowledge n positivity like you do.😁
A big Thank you! For making my life so much easier ! ❤️
Thankyou Ankur for educating every one on the important topics. My family is one of them who lost all savings and investments due to unplanned extended hospitalization. It is also important to keep in mind certain things which helps while claiming the benefits. Example knowing the policy window is very important as some times one may need extended hospitalization or more amount is required than actual cover. If the hospitalization spans to policies year windows, both years sum assured can be claimed in the single hospitalization with cashless in that case. AND Also if any one has more than one policy , they can see which policy window is ending soon will be renewed so that claim that first. Choosing higher room rent than allowed amount might increase the over all bill on pro ratio not just the room rent.
Sir aap world ke best teacher ho..
Aap Bahot hee achhe tarike se sab cheeze explain karte ho...
You have become my mentor :) Thanks for all the wonderful content
What an amazing detailing regarding the subject. Thank you so much Ankur. I get the answers for all my questions through your video. 😊.
All the very best.
Hey Ankur, you know, you give me all these tips and knowledge and I go tell them to my father but somehow he knows it all. I'm waiting for the day when you teach something new to my father. 😋
Baap baap hota hai😎😉
@@ashwintantri hahaha true that
@ROBUST sadly no!
Baap ko seekhao achi baat h bt pehle khud to seekha
@@VikramSingh-ds3ij Yea dude. He teaches us so much. I just made a comment that I wish one day I get to learn something so new which even my dad gets to learn from his experiences.
Thank you for this comprehensive video ... this was very important for everyone ❤️
So knowledgeable, thank you!
Thank god, i got this done in 2008 and it is helping me immensely…. New India Life Assurance company is a good choice as per me.
i am yet to check, but do they cover existing illness? (for parents)
Thanks for this great video sir 😊
It really help a lot
Thank you for uploading this video's 🙏
Thanks a bunch for this, I needed this as I was inquiring about the insurances. 🙏👍👍
Me 2 👍
Good friends, good books, and a sleepy conscience: this is the ideal life. 👍🏿👍🏿👍🏿
Thanks Ankur Ji for sharing valuable information
Ankur is teaching and sharing knowledge on important things that I wish were a part of the education curriculum in institutions. Great information 👍🏻
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Thanks for this video sir! It was so helpful.
One thing that is missing in this video is "No room rent limit". Make sure you click on that while checking policies.
Really good inputs on health insurance. You should also talk about group health insurance policies (e.g. HDFC Bank Customers) where premiums are much lesser than retail plans.
Can you tell me how I can go for HDFC bank Customers.
Hey could you pls explain in detail about this?
Hi. I think the cover of about 5 lakh u are suggesting is too less for a person. Insurance needs to kick in when a person lands up in Icu and a week's stay in ICU would definitely cost you 10 lakh atleast. Being a doctor I would always want to have cover when u really need it. I have seen people go mad and fighting with doctors once their cover finishes and there is possibility of longer stay. So I would really suggest atleast a cover of 10-15 lakh for a middle income group if you really wanna feel secure or else keep emergency fund ready if the cost increases.
Exactly. Upto 5 lakhs people maybe manage by their own by asking to their friends and families. The main importance of health insurance is when someone gets big diseases like Cancer, Covid, Heart issues, transplant.
Many thanks for elaborating & sharing.
Sar ji namaskar 🙏💐
Thank you for suggestion you.... sir ji
Nice information.
Thanks for this amazing knowledge Ankur
That's a Great and Authentic Information U had given , Thank you sir for bringing this Awareness for before buying insurance.
If you're from tier-2 or tier-3 cities, checking their network hospitals is also an important consideration.
Amazing ❤️
Thanks ankur sir for such information. You have saved many people by made us understand about cashless claims information. One agent asked me to go with XYZ company and as I was aware that first I should check that is that company covers me with cashless claims then I found that, that company has only limited hospitals list. So I rejected that offer and told that agent to not recommend such company where a customer might face issues in future. Thanks for making us so knowledgeable sir. I truly respect your efforts 👌
what does cashless claim means?
is that like we don't have to pay anything, the bill will go directly to insurance company?
Great video again...
Great Guidance
Epic content sir ❤️
One video i had watches and these were the key takeaway and checklist in health insurance.
Health Insurance:No room rent cap, if it's there than other charges should not be linked to that.
pre & post hospitlization:
Daycare Coverage
Waiting Period:
1. Floter or individual
2. Private or Government
3. Base cover+ super topup
4. Room rent
5. Sub-limit
6. Copay
7. Zonal vs Pan India
8. Pre & Post Hospitalizarion
9. Daycare Coverage
10. Cosmetic treatment
11. Waiting Period
12. No Claim Bonus
13.Cashless Hospital
14. Ambulance Charges
15. Free Health Checkup
Just planning to buy a health insurance n ur video showed up 😄
Thanks so much, I just bought Health insurance for my parents today with the help of policy bazaar agent, the experience was so smooth and the agent who helped us was so professional and nice to talk to.
You encouraged me to think about buying an insurance for my parents which I may not have thought of otherwise, at least for some time.
Cheers and you continue doing this amazing work!
thank you soo much for this video sir
Hi Ankur, Great work. Just one correction Now Corporate plan can be converted into an Individual plan at the time of leaving the company with the same benefits which are provided by the Corporate plan.
Great piece of information.
thanks ankur warikoo sir
Sir can you please make another brief video in sequel of this insurance topic with a topic of :-HOW can one use better use of health insurance without never gets hospitalised by utilising its OPD benefits/AYUSH TREATMENTS?
Regards 🙏🏻
This video is actually an additional information to health insurance video by Mandeep (labour law advisor)
Thank you sir ❤️
Sir One thing I disagree with u that Coverage must be on the basis of Future not present and it's must be 15 to 20 lakhs minimum for age upto 45 years
I was waiting for this 🤩🤩🤩
Thank you sir
Was waiting for this video like forever, told the same to Policybazar folks as well and they got offended :P :P
I feel the video theory was excellent. But could you make a video detailing what all to look for while browsing policy bazar. Essentially what you did in the last part(browsing through policy bazar) just in a more elaborate and structured manner.
Excellent video as always.
Most informative and perfect guide to buy health insurance 👏🙏👍
Ankur, could you please try creating a video on job change, salary negotiations, and what to look for in offer letters? just a thought.. :) Thanks.
Your explanations are simple and genuine to take decisions......pl keep it up & continue such services in your videos.
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kindly reach out to the what’sapp line above for consultation and investment purposes
Thank you
Thank you very very much sir
You always give a hope to regain my interest and confidence in studies and life
I am 28 but i have lost interest in studies, forgotten all knowledge, don't know what to do, no job, fear or losing everything, distracted, failed so many time in CA final exam(attempting finals since 2016), no confidence.
I was a very good student before my finals, focused
What should i do to get back my confidence and interest?
Bro you can start a youtube channel on the base of your own knowledge.
Find out the reason of losing interest so that it will be easy to eradicate or tackle with
Hi, thanks for the informative video....Have a health insurance since 15 years (i am 40)....is it better to have a group floater insurance or individual insurance for each family member??
Also does insurance premium increase after you cross 40??
Sir, i was also thinking abt to stop my health insurance, coz I also have corporate plan....thanks a lot for ur guidance.
Thanks man
You are an asset
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kindly reach out to the what’sapp line above for consultation and investment purposes
The love of money is the root of all evil."
The lack of money is the root of all evil.
Robert Kiyosaki 👍🏿👍🏿👍🏿
I´ve been confused all the video due to the hinglish xd. But overall, nice information, very useful.
Good 👍
Deja wu video
Hi Ankush
I really love the content of you videos.
Can you also explain what life insurance, health insurance, term insurance?
Great work ankur
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kindly reach out to the what’sapp line above for consultation and investment purposes
As u mentioned I have realized only when my father was hospitalized for surgery. I have paid a whopping amount as hospital bills. It's never late though, I have immediately brought health care insurance for the whole family. In India, we don't have education/discussions on these issues.
Which one did you buy
@@varshavaghani9167 hdfc ergo
In a health insurance, you could also consider super top-up policy a.k.a. high deductible policy.........in case you have any doubts you could watch a video made by Sandeep Maheshwari "Before you invest......watch this video", truly worth watching it. By the way how many of you know Sandeep Maheshwari!
Outside of a dog, a book is man's best friend. Inside of a dog it's too dark to read. 👍🏿👍🏿👍🏿👍🏿
Nice video
Very succinctly explained. Can you please explain about financial planning and having a good baby plan, child plan? Also if recently pregnant, then good baby health plan or child plan?
Hye Ankur ,1 video on super-top up (high deductible) policy also .It has a lot of grey areas.
Hi Ankur, Thanks for creating this video. Can we also combine two Term insurance plans too?
yes u can,, but it wll be more expensive than just increasing the cover of single term plan
Wonderful information sir... acc to tym we all really need to know this. My question is like ese kon kon se criteria h jis basis par hamko health insurance benefit nai milta...???
We have insurance nd everything is fine but when it comes to claim kuch na kuch reason bolkar company claim nai dete... so kya points h jo always we should check.
I'm so much berozgaar I comment in 2 minutes ❤️!😅
Hey Ankur!! Do we need to have an insurance that covers the illness while traveling internationally?
What are your crypto holdings and how long will you hold them?
Hi Ankur, Love your content. I would like to your views on Postal Life Insurance. is it good to buy PLI?
Sir, make the video on the how to buy an annuity from the insurance company ?
Thanks for the great information. Can we know what is insurance you have taken for yourself?
Sir, please Make a video on nbfc and their products .
One more point when switching company and if your partner is pregnant and not have other insurance check with other company insurance terms because most will not cover delivery in case of new joiners.
@Ankur
Finally the wait is over....
Ankur I'm pwd person with cerebal palsy, can tell how I can take care my suitation all though this is not an active issue and more treatment is required for now. But how do I include my current suitation with any health insurance plan.
Two questions:
1) benefits and loss in buying separate and combined health insurance in form of risk cover and premium for me and my wife
2) what if policy is covering me from last 3 years and and after marriage within 1 year wife gets pregnent will it be covered in insurance and(she was added 1 year before pregnancy)
And very thank you for your guidance
If your plan covers pregnancy exp n waiting period for pregnancy is 12 months then u will get benifit of it.
Please make video on life term insurance also
Hey Ankur,
This is same kind of content, which you had already posted. Pls try to make contents on : ITR filings, Taxes/charges on stock market trading.
Hi Ankur , In which catagory wellness treatment be identified .
Say these days we need some wellness treatment for 5-6 days for Ayurvedic med.
Will it come under ayush ?
Please explain more about Super topup plan
Hello sir ek video term life insurance pr bhi banao
Good video. Any Life and Health insurance which would be applicable for NRI's also?
@Ankur - thank you for the wonderful video. Any inputs on Top ups and are they recommended considering health expenses are rising all the time ! your recommendation of 2.5 lacs per adult may appear a bit low
You spoke flawlessly asusual. My question is that My job is transferable and I have to move after 4-5 years from one state to another. So could you please suggest one or two companies which provides maximum no of cashless hospitals.
One important point is portability of insurance. need some info on that
Please make video on super top up plan which gives more cover at less premium.
Please provide more information about
Super-top plan
Amazing video but disagree wit first point, the premium solely depends on age and is independent of holding longer insurance from past.
Super top up health insurance per full video 🙏🙏
Make video on high deductible health insurance
I have some questions.
1st:- if some have any medical illnesses in it's young age, then how they manage or buy a perfect health insurance for them.
2nd:- Right now if anyone is unmarried and after few years he/ she gets married, then how do they add their spouses? I mean what's the process to add them??
Sir can you make a video on this topic ELSS, PPF, and NPS
Can you please guide regarding Super top up health plan and high deductible plan?
Sir, Maternity waiting time ko pls detail me btaye.
Pls make a video on how to claim also
Bohot log wahi faste h sir
Please help me know whether I need to go for a top up plan on my existing insurance for my parents. For example: I have a floater policy of cover 5 lakh for my parents, premium 20k per year. Do I need to opt for top up from the different/same insurance provider which covers the extra expense if any after 5 lakh by paying little extra on my existing emi. What's your opinion on this? A video on this will be much helpful. And thanks a lot for making such educational videos.
Try to go for restoration benefits over top-up policy