Best Health Insurance Policy 2024 ? - Terms And Conditions Exposed
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- Опубліковано 31 гру 2023
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8:30 multi indivisual flooter, 10:20 auto restoration, 15:50 caping room rent, 19:00 ayushyaman
This is an excellent channel. Interviewer was well prepared with the right set of question to leverage the wealth of knowledge for the benefit of the viewers.
Wah aise videos aur laiye.. aise topics pe charcha ki boht zaroorat hai. Full A to Z janne ko milna chahiye👌
Sure
Thank you! So much brother 🙏✨💐
Informative video sirji.... Health insurance ki puri jankari dene pr apka dil se dhanyavaad❤
much appreciation to the interviewer for most relevant questions and KUDOS to the interviewee for simple and genuine answers.
Pl get clear view on Employer group Insurance most of the IT are providing
Extremely helpful video. Deep diving into the intricacies such as restoration benefits, floater policies etc. is indeed very relevant. I have seen many videos so far which also discuss these topics but at very superficial level This is by far the most educative video I have come across. Kudos to the creators!
Thank you! So much Mr.Navdeep🤝
Stay connected.
This is gem of a video for all the health insurance information. Just loved it❤❤
Interviewee is Mr. DHEERAJ , He was working with NIVA BUPA at Chandigarh, when i met him , for my interview with him.
Such a great personality he is.
Thank you! So much brother 🤝✨🌻
Stay connected
Happy new year sir..
I have a video request: Indigo, Air India jaise cheaper airlines k sath jitne bhi co branded credit cards hai unka ek comparison bana dijiye.. mujhe dusre state relocate hona hai job k liye.. ab iski zaroorat padegi. Ap bta dena konsi lena best hoga..
very very detailed and informative video. Thanks to both of you
Thank you! So much Mr.Ravi🤝✨
Hii sr helth insurance kon si company ka le jo Clem ke time prabalm n Ho plz suggest....
The Best Video very knowledge able , Video and audio quality is very high, question are answered very deeply well explained so many doubts cleared by watching this video .. thanks a lot .
Thank you! So much brother.🙏✨
Please do follow us 🤝
Please make a detailed video on the various charges of NPS account, from account opening to contribution to pop charges.
good initiate, interviewer asked good question and the interviewee is well informed
will be visiting this video from time to time to refresh it
Very informative video sir, thank you 🙏🏻
Sir aapka video bohut kaammain ata Hain thanks you very much sir 🎉
Very informative video. Got my all doubts cleared.😊
This podcast Is really informative ❤❤ for health insurance policy
Sir in your vii which is the best plan? I'm planning to buy flotor plan, please advice me.
sir, generally health insurance me grace peried nahi hota lekin kuch company 6c month bad bhi policy same policy renewal karne ko ready hai... kya reason hai...
Mere papa ki star helth me star compressive plan h aur after 2year unko Cataract ho gya ab surgery karane k liye company k network hospital me gya to company some payment de di boli baki ka ap lagao phir discharge paper k bad payment krege to network hospital me Jane ka fayda kya h mere pas Paisa hota agar lagane k liye pas se to
It comes under daycare and covered up to sum assured. But there might be some charges for consumables which company will not pay for.
Does capping of "1% of sum assured) calculated after adding no claim bonus ? What about ICU charges ? Does that come under capping ?
Agar Maine ek policy kharidi fir use kuch sal discontinue kiya or fir 4-5 sal bad policy same company se kharidi to kuch farak padega kya
*❤❤Hyy sir aapse ak request hai pls pls pls sir aap issi tarah ka video term insurance pr bhi banawo sir pls*
Health insurance me itne saare clause hote hain ki aam aadmi ka dimag kharab ho jayega, upar se claim reject ho sakta hai..
All clauses can be handled but never compromise on Co-pay and room rent limit.
@@MoinKhan-uf4pgBhai manipal Cigna lifetime health family floater 50lakh kesi policy h? Is budget me isse better konsi policy hai?
@@dharmendrasinghdhurvey820 policy depend on ur requirement age
😂
@@dharmendrasinghdhurvey820It's an best policy with no sublimits.No one can beat this plan in market
Sir konsi company sahi hai health insurance me jiske baare me bataye
Very informative video Sir... 🙏
Very very very very important and informative Video ❤❤❤❤❤
34:30 This is a concerning thing you just said. How will the insurer know if the person has already tested or not regarding his HbA1C level? You gave the scenerio where the insuree knew his levels because he did the test, what if he had not done any tests and he had high levels of sugar without him being aware of it and one day he had to be hospitalized for something related to it and the insurer rejects his claim saying he didn't declared it while taking the policy? How will the insuree defend himself? These are nothing but sheer loopholes kept by the insurance companies to reject your claim according to their desire. Mind that these companies are here to do business and not humanitarian service. I have seen 3 of 4 genuine cases right in front of me that got their claim rejected will illogical reasons.
Good morning! Brother ✨🌻
The diseases which is not identified to the insured till date he/she applied for coverage than in this situation it’s called new disease which is covered after 30dats of inception but if it occurs in between 30days than would be considered as ped or some company consider it with 1 year waiting period.
Now, the real time situation :- If a person got hospitalised at very early stage of the policy means in initial year than chances company may reject your cashless facility and will ask you for the reimbursement to cross examine the generic site of the claim. If it’s proved that said disease identified after taking the policy than your claim in reimbursement will be settled.
For detailed discussion please do follow us.
Which is best insurance company for health insurance
Nice information sir ...thanks
Sir sum insured ka bhi premium future badh sakta hai
Fantastic fabulous 😍🤩😍🤩 and outstanding performance sir 💪💪😎👍
Thanks all
sir ek video life insurance par bhi honi chahiye please 😊❤
Policy Lene Ke Baad Kuch Hua to Intimate Kerna Padta Hai as part of Material Disclosure?
Sir malpractices in insurance sector pa eak video bandeja ga please sir
Thank you sar.. aur kaun sa best policy Hai Lena. Aur kaun sa company ka
HDFC Ergo Optima Secure
Informative video
Bro please make details video of ICICI PRIVILEGE BANKING PROGRAMME
Atal pension Yojana scheme par video banaya.?
It is really knowledge episode
सर ने ज्यादातर अंग्रेजी के सब्द इस्तेमाल किए जिस कारण आम लोग और कम पढ़े लिखे लोगो के बिलकुल समझ नही आयगा कुछ भी
2 wheeler or car insurance pr full video Bana do bhai
What policies can be implemented to improve access in undeserved or rural areas?
More people need to pay taxes
Very well explained
Thank you! Mr.Sunil 🙏✨💐
Wishing you a wonderful year loaded with prosperity and great health.✨👏
appreciate if you could redo the above on the basis of new regulations of IRDIA. Also speak about Monomorium.
Nice video bro 👌👌👌👌👌👌
Love you bro ❤❤❤❤❤❤
Thanks
What about the govt policies in Delhi and Punjab. Health scheme is different
Company jo health insurance mein specialised hai ya jo new company hai market mein aur ya bank tieup kaun sa better rehta hai
You should ignore policies provided by bank or other financial institutions. 1. They do bunch policy for what premium will be low but service will be low as usual. 2. You cannot port to individual/ floater policy and you will not get maturity benefits (no or less waiting period). 3. You may not do anything after bad service as you may have deposit/loan.🤣
sir agar hum hospital me jaye or hospital me doctor ne bhot sare test likh diye around 70-80 thousand but mujhe admit nhi kiya to kya mujhe uska claim milega
No. You have to be admitted or under daycare procedure. You may go for Bajaj to get reimbursement of doctor’s visit and tests. For further details you may ask me.
Awesome video
Bhai aaj kal disease boht jldi develop hoti hai ..wo 3/4 saal ka wait nahi kregi k hamaare health insurance ka waiting period khatam ho
Sir Mera health insurance policy abhi 1yr hone wale hai and before 3 years mera Jaundice hua tha , lekin mera eisi kuch v serious nahi aye the . Mei policy lete time batana bhul gya to kya mei renewal time me bata sakti hu kya ..
Good morning! Dear✨🌻
Definitely you should mention and also try to recall in details your medical history stating from birth till date you purchased policy.
he is more focusing on big premium that is bada premium hi safe kar sakta hai bakki saare features company hata legi, jaisa doc daarate hai jab aap hospital jao toh vaise hi yeh bhaisahab kar rahe hai.. ,
regarding AUYSH he doesn't give any clarity bus bata diya ki ek hospital so n so place main hai vaha admit ho ke claim le sakte hai, bhai phir AYUSH rakkha hi kyu.. 😠
Sir Mera care health insurance ka10 lamh ka palan hai,but during hospitalization, unhone mana kar diya,ab mai use 08february ko renue karu ki nahi, company se Maine claim nahin Kiya, please guide me
Care is hopeless
My key takeaways:
1. 10lakh base sum not enough. Minimum 25L. Ideally 1cr+
2. You can't be in a floater plan if aged 18+
only if child started earning after 18+
sir kabhi kabhi kisi ko hand or legs per small tumor ho ta hay. declare kar na ho ga? for new beginer policy . in future may be required to remove leg tumor
Good morning! Brother ✨🌻
Yes, 💯% need to mention to avoid future policy cancellation.
Thx ❤
Thank u sir
Sir i have purchased niva bupa aspire plan for my family with sum assured 10 lac , (me/wife/one child) topup 90 lac but i am confused about this plan is right for me or not.
Good information
very nice sir
Is health insurance sufficient for critical illness or an separate insurance is required for critical illness
Good info
Hdfc ergo optima secure and Tata AIG Medicare premiere mai kon si best hai.please batye
Ek doubt h muje. Maan lo agar koi pre existing disease h but muje uske baare m pta hi nahi h and policy lene k bd muje pta chalta h uske bre m so us case m claim milega?
Koi dikkat nhi hai bro jb test hoga blood la to agr tumne us disease se related koi medicine khai hai to iska salt blood mai milega mtlb apko phele pta tha or agr salt nhi mila to mtlb apko nhi pta tha or company cover kregi😊
Meri co. baar baar premium bada Rahi hai kya karoon?
Group health insurance jo working employees ko milta hai uske alawe personal health insurance lene par extra cost ayega to waste of money to nhi ho jayega?
Group policy me features kam hote h
@@deshbhakt3987 Bhai ye reason appealing / sufficient nhi lagta.
Good morning! Brother ✨🌻
In short term ye loss making e feel hoga but insurance is a matter of long term. In future with limited cover of group insurance you would loose your savings, assets or stuck in credits.
There may be chances you will not continue your job and start your own.
mr. guest apne meri man ka answer de diya...i am agent of star health...
Nod is better than beer biceps/ranveer allahbadia 😁
Booster+ feature is benefited or not
Care supreme policy le sakta hu kita care health ka
If some one take insurance and had medical test with with no desease. then after taking policy he found that he developed desease after 1~2 years and start medication then does he has to inform insurer.
Good morning! Brother ✨🌻
Yes, along with first medical consultation and reports. Company will investigate internally and externally to check the matter.
Would request you to kindly declare to avoid future troubles.
Good information sir
Thanks
Health insurance company specially, star health, most often try to avoid claim payment by giving different alibi and recovering this non payment is very difficult. You have to recourse to its grievance dept and upload proof for this unjustified deduction and after that even if they reback the money, they will do it in a part wise and not even admit their fault. It is very ill practice for cutting its cost and increasing profit. For a common people it is near about impossible to get back deducted money from them. Customer most often get frustrated and leave the effort of claiming.😮
Sir is saal mere dad mom k liye health policy leni hai 1st time hai to kitne tak le sakta hu
Ex:- aabhi me 10 lakh lena chata hu our 2-3 saal baad 10 lakh se jyada bada sakta hu kya ??? Our sir me saal ka 20-25 k invest kar sakta hu ??
Suggest me sir ?
aap decide krlo batayega me bhi dekh rha hu same
i came across a product - you buy a policy for a sum insured of 10L. From day 1 your sum insured becomes 20L. what is your opinion on this product.
Hdfc ergo?
Good morning! Brother ✨🌻
In short term it’s too much catchy but in reality the probability of claims will increase in long term and where you will not see these features.
Please plan your basic sum insured on higher side.
Good bless
Bro, your video is very lengthy we don't have much time to watch your lengthy video. Request you pls make short and detailed videos,
Amar National Insurance 500000/ main policy Top up 1000000/ kono din kono claim chilo na, 16 yrs policy but amar meye spine surgery 600000/ taka r madhe amke matro 125000/ taka peyechi bad baki taka amke dey ni,
Salute 🙌🙌🙌
Which health policy should i take. I have some which i definitely need in my policy.
1. No Room Rent Cap
2. Day Care Treatment
3. No Copay
4. OPD Coverage
5. Consumable coverage
6. Lifelong renewal
7. AYUSH treatment.
Please suggest some. I am confused
Which company health insurance you will prefer and why?
Acko platinum health plan
I am 35. I am buying a medical insurance today. And as we know during renewal premium increases. At say age of 50 years, the premium amount for my renewal and fresh buying premium for a 50 yr old person would be the same?
Good question
Yes, it will be same. Health insurance is not like term..only pros is your waiting period is over if you take it early
Bhai please koi bta dijiye best health insurance plan kaunsa hai.. Mujhe parents k liye lena hai.. Clause itne sare hote hai kuch samaj nhi aata
@@namanverm4426 go for optima secure if fits your budget.
The premium of fresh policy at 50 would be same if health condition remains same for next 15 years. If any significant health issue is identified before policy purchase, then premium of fresh policy would be more than renewal premium. Also, there is policy available now in the market that keeps your premium fixed until you make a claim. So, if you buy at 35 years and do not make a claim for next 15 years, you would be paying the premium of 35 years even when you renew at 50 years.
Health insurance policy me many hidden clause
One of the best videos on health insurance. Thanks
😂😂😂😂
I have 15 year old policy in new India insurance (5L family floater plan) I want to port into different insurance company, I've used this policy for myself for piles treatment and also for my wife for asthma treatment and also for my daughter regarding fever..do I have to give this information to the company with whom I am switching with.
Also my wife has a problem of pcod and BP, so do I have to tell them about this? Currently she is not having any issue regarding this.
Bro , I was thinking that to go for New INdia Insurance , how is your experience with this company , would u tell min detail , have they ever settled ur claim or rejected , what is the best experience and worst experience about this company , that u have ever copped up yet . plzzzz reply this comment . It will be very helpful to buy a policy .
You have to tell everything to new company
for Bancasurance..info seems partial
Sir kya cancer patients ka health insurance ho sakta hai
Depends sir, I’d treated at early stages 1 or 2 only.
Good evening sir,
I shall be obliged if you kindly share your experience and suggestion regarding the following problems.
Sir, I hold a SBI general group health insurance policy purchased from bank and continuing it for the last 4 years having Rs 5 lakh SI for my mother (age 69years).
But the problem is, the said policy bears 1% & 2% of SI for room rent and ICU charges. As it is very problematic to get a room in a standard hospital within this amount limit in a metro city like Kolkata, I want to remove this limit by paying additional premium. Can I do it?
a) can I port this policy to SBI general other products like arogya plus, SBI super health or supreme with keeping the seniority.
b) or can I port it to other company?
What you suggest regarding this?
With regards,
A . Majumdar
Kolkata
Noting SBI is hopeless every field bank or policy
Anything with name SBI,keep away..
Definitely will help you.
Please do follow us for the solution. Need to discuss in details
Can I person get Heath Insurance if she is perfectly fine now, but met with an accident had head internal head injury and mendible fracture
Mere sawal ka jawab nahi mila
If as he say claim can increase the premium for super top up plan and they can discontinue the plan then by that logic even basic plan can also get discontinued as in that too that condition is written .
his opinion is not correct about Super top-up policies.
Good morning! Brother ✨💐
Indeed you are correct it may possible our base policy can withdraw. But another condition is product modification rights which will help companies to remove loss making features like auto restoration, booster benefits, auto recharge,etc.
In base policy the premium cost is on favourable side and but in case of Top-up plan the cost is loss making.
See, insurance is not for today it’s for long term prospective. As a consumer you need eligibility and second is premium paying capacity and whereas in case of company they need the solvency margins to meet your expectations. 💡
Only effective cost with low risks features will help company to maintain there solvency margins.
No insurance company is sitting ideally for loss making.They also want to earn profit’s
Which policy is better than niva bupa 2.0 and hdfc ergo for 4 family members of 39 yrs of parents age.
Care Supreme you can try
Niva Bupa .
No doubt
Good morning! Brother ✨🌻
It depends upon the medical history of each individual followed by another important factors.
You can follow us for more details
Best plan toh btao company konsi choose kre with good terms & condition
Good morning! Brother ✨🌻
Still you are searching 🤔
Please clear yourself that are you really serious about this important product. We have already detailed discussion and pending from your end.
Best wishes!
Please also suggest some good health insurance policy with names
Good morning! Brother 🙏💐✨
please do follow us for the detailed understanding.
Jaundice to newborn mein hota hi hai....wo bhi btadein?😅
My father is 61 years old how can we able to remember that he diagnose at the time of 3 years or 5 years ?
Good morning! Brother ✨🌻
We will help you to recall. please do follow us for the detailed understanding.
Sir mujhe Hepatitis B positive hai main koi health insurance le sakta hu kya?
Having a pre-existing condition like hepatitis B might affect your eligibility for health insurance or impact the coverage terms. It's recommended to consult with an insurance agent or healthcare professional to get personalized advice based on your specific situation and the policies available in your region.
Sir kotak mahindra bank ki active money policy kya hai ek video bna dijiye 😊
This is a facility whereby surplus funds above a specified threshold are transferred from Current/Savings Account to Fixed deposit and is transferred back from Fixed deposit to linked Current/Savings account in case of any shortfall in balances
Let me explain:
Let your threshold limit is 1000 and you have 1200 in your bank then 200 rupees will be kept as FD and vice-versa
Happy New Year all friends 😊
Same Insurance policy me 1st time Renew k time pre existing disease disclose kar skte hai.
Kr sakte hai pr fresh waiting period serve krna pdega PED k liye pre existing disease ok bro ya to port kr ke best plan mai switch kr lo😅
Moratorium Peried of 8 yaers will apply in case of porting or not
Yes, but we have to understand clearly about the real time meaning of moratorium period.
It says no Company will reject the claim after moratorium period is complete expect permanent exclusions and frauds .
please do follow us for the detailed understanding.
Now it becomes 5yrs 👍