You can compare & buy Health Insurance Plans from here: bit.ly/health-insurance-plan-compare Join All-In-One Video Finance App here: vidfin.com/ Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.
I too got kidney stone. for pain you can take MEFTAL-SPAS DS (Mefanamic Acid is effective for such pains take half and if it still doesn't goes take another half within hour) Avoid Milk because it contains calcium Avoid food which contains excessive Salt (Salty Potato chips or chakna) and Calcium. Beware it can happen again. take water. ✌🏼 I hope this helps u. Love your efforts ❤️
I had 3 major surgeries so far . 1st when i was 26 , 2nd when i was 32 and 3rd i last year 2021 when i was 35. Suggestions - Corporate employees should always take the max benefit of health insurance. Also when change of company always continue the insurance . I had national insurance and they paid full amount always . I have personal insurance also of star and they cover most expenses 90%.
These days we have NAVI insurance which covers 100% expenses with lower premium and is reliable also company is owned by well known person Sachin Bansal who started Flipkart and changed the the online buying scenario of India
मुकुल भाई आपके शीघ्र स्वास्थ्य लाभ की कामना करते हैं, स्टोन आजकल 10 में से 3 लोगों को तो बन ही रही। RBI के बॉन्ड और T बिल पर टैक्स की विषय में जानकारी चाहते हैं यदि आपका स्वास्थ्य अब ठीक है तो जानकारी की प्रतीक्षा रहेगी।
yes ur right, here sir made a mistake, if waiting period (of suppose pre existing diseases) is 3 yrs (in company X) and we have served 1 yr in it then we need to serve just 2 more years in company Y after porting.
Hope you have recovered well from your surgery..thanks for bringing this informative video especially on the option to convert corporate GMC to an individual one later
Good informative video..all points are explained in a well manner....all points are needful and necessary while taking medical policy.....stay healthy sir ji...
Thank you for your guidance. Hope you have recovered well. I have one query. Let's say there is a pre existing disease and doctors have not diagnosed it. You have taken health insurance and when you go for claim and if doctor says that the person has pre existing disease then will it be covered by insurance company? Best regards.
Yes it will be covered bcoz the disease was not diagnosed before making this claim. Only that disease is considered as pre-existing which was already diagnosed at the time of buying the insurance policy. The idea behind this Clause is that the person buying insurance should not hide any already diagnosed disease at the time of buying the first policy hope I was able to help!
There is one more term used in health insurance that is Slow growing diseases,could you please put some light on it and how we can claim for such diseases
Good to see you again.. I have no health insurance plan.. Pls suggest to me a how to select a best health insurance plan for my family... Stay healthy sir... God bless u.
7.32 min, As per my knowledge continuity period works even after 1 year policy porting. No such condition seen by me where continuity not applicable. Are you confirmed?
so sir if IRDAI says pre existing diseases means those we had or have during the last 48 months, so it means we dont need to declare diseases/surgeries we had before the 48 months? pls clarify this, very imp!
Sir, I was diagnosed with IBD Crohn's disease in 2022 (age 22 years), and have not taken any health policy, but now I am not able to buy a health policy, whenever I tell them that I have this disease. But one can fall ill, or due to an accident also get hospitalized, in this case, what shall one do, should I not disclose my pre-existing disease, or without disclosing serve the moratorium period, then raise claims after 8 years if anything happens, till then get treated on my own cost, etc. Please, help/guide or make a video for this type of case, (where, what one should do when the company is not giving insurance to any pre-existing disease, how they should buy the insurance). Thank You.
Please answer this as no one is answering 🙏 -> what if i never claim insurance in 10 years and the premium paid gets equivalent to s insured. In this case it would have been better to just invest this premium paid as SIP?
Sir mujhe aap suggest kr do ki LIC me life insurance plan for family kon sa best rahega, five members h , taki kuchh problem aane per private hospitals me ilaaj krwa skun ??
Just one question how company profits affects the stock price of the company because stock price fluctuates on the basis of demand and supply then why company profits matters?
Hllo sir, jaise kush companies bina health checkup ke policy deti hai ,abi tk hme pta hi nhi koi pre existing disease hai jaa nhi naa humne health checkup krvaya hai Vo insurance policy me cover hogi 2nd one is that medical company ko kaise pta lge gaa ki yeh disease 4 years old hai
Attention - In case you'll be claiming your health insurance, make sure to choose a hospital that does not fraudulently claim excess amount from your insurance provider thereby reducing the overall cover that would be left for you in that year. Here is the example - Let's say A got admitted into a hospital for a surgery that costed 2 Lakh overall. Nowadays, everything being cashless, the hospitals generate a bill for such surgeries up to double the actual amount i.e 4 Lakhs and get it from insurance companies. Now ideally after the surgery, if A had a total cover of 5 Lakhs then he must be left with 3 Lakhs but that's not the case, they're only left with 1 Lakh. This scam is running wide open and one of my friends who supervises TPA in one such hospital introduced me to it.
Not only policies have waiting periods for PED but 2 yrs WP is there for specific diseases. Read the policy wordings along with brochure to understand more on this.
Hi Sir, My Laser Kidney Stone Surgery was done in 2011. I have taken medical insurance from aditya birtla in Aug 2022 and this is my first time, I am taking any heath insurance plan. I didn't inform them about my surgery. Will it create problem to get the claim in future?
Hi sir. I didn't got one point which is as you said that mam was having a corporate insurance which she converted into individual policy. But how you got the benefit for your surgery from her policy?
Is there any condition to port the health insurance from one company to other? What if we buy the cheapest plan from not famous company and later completing the 3/4 years of waiting period. We wanted to port or switch the insurance to other company. Is it possible? All company health insurance can be portable to other health insurance companies? Or is there any restrictions or conditions?
Sir could u please guide me which health insurance plan is good , & regarding cashless also, so please guide I want to take plan but i m confused still now
I suffered from GBS (Guillain Barre Syndrome, one type of neurological fever that happens due to Virus or Bacteria..it is rare disease) at the age of 3 and 1/2 yrs and recovered after treatment at that time. I got that diseases again at the age of 29 yrs, after 25 yrs of previous occurance. My Health Claim is rejected by company giving reason of Pre-Existing Disease. But actually it is not a matter of Pre-Existing Disease as per their Policy Wordings and IRDAI definition as you said in this video. I need kind help from you. I have tired fighting with company. I need perfect advice to go for consumer court, I am ready to pay fees for better advice. Please 🙏
You can compare & buy Health Insurance Plans from here:
bit.ly/health-insurance-plan-compare
Join All-In-One Video Finance App here: vidfin.com/
Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.
Good to see you back. Stay Healthy Bhai.
Thanks Abhishek Brother.
I too got kidney stone.
for pain you can take MEFTAL-SPAS DS (Mefanamic Acid is effective for such pains take half and if it still doesn't goes take another half within hour)
Avoid Milk because it contains calcium Avoid food which contains excessive Salt (Salty Potato chips or chakna) and Calcium.
Beware it can happen again. take water. ✌🏼 I hope this helps u. Love your efforts ❤️
Hope you are fully recovered now Sir... Prayers for your good health 🙏😌
Thanks.
Sir aage se yadi kisi ko iss terah ki samsya bhavishya me ho to कुलथी/Horse Gram ka upyog karen ..thx
Hope you are doing well after your surgery. Thank you for sharing yet another interesting and useful video.
I had 3 major surgeries so far . 1st when i was 26 , 2nd when i was 32 and 3rd i last year 2021 when i was 35.
Suggestions - Corporate employees should always take the max benefit of health insurance. Also when change of company always continue the insurance . I had national insurance and they paid full amount always . I have personal insurance also of star and they cover most expenses 90%.
How is star health?
These days we have NAVI insurance which covers 100% expenses with lower premium and is reliable also company is owned by well known person Sachin Bansal who started Flipkart and changed the the online buying scenario of India
Please read carefully all the documents you are not updated regarding health insurance
@@vishwadeeptiwari7202 max bupa is also good option, and pls check their claim settlement ratio and balance sheet before buying the insurance.
@@vishwadeeptiwari7202 log bura q bol re h fr usko
i wanted this video since last 1 year. from when i get insured by my company. thanx.
मुकुल भाई आपके शीघ्र स्वास्थ्य लाभ की कामना करते हैं,
स्टोन आजकल 10 में से 3 लोगों को तो बन ही रही।
RBI के बॉन्ड और T बिल पर टैक्स की विषय में जानकारी चाहते हैं यदि आपका स्वास्थ्य अब ठीक है तो जानकारी की प्रतीक्षा रहेगी।
Good to see you mukul bhai .. swastha rahe , khush rahe !!🙏
Thanks
7:12 we can switch and port the policy in other company with continuity of our waiting period
yes ur right, here sir made a mistake, if waiting period (of suppose pre existing diseases) is 3 yrs (in company X) and we have served 1 yr in it then we need to serve just 2 more years in company Y after porting.
Good to see you back sir !! and dont be sorry just take care !!!
Thanks Kapil
Sir, here's wishing you a healthy and speedy recovery. Nice to see you back
Thanks Romesh.
Hope you have recovered well from your surgery..thanks for bringing this informative video especially on the option to convert corporate GMC to an individual one later
That's nice, thanks for replying, you can send a message to number above to our administrator oN watsapp to earn in crypto.. ...
We are really happy to see you back. Stay healthy and happy
Thanks Prakash.
Good blessings my brother ❤ join
कामयाब होने के लिए
अपनी मेहनत पर विश्वास रखना पड़ता है,
किस्मत तो जुए में आज़माई जाती है।
Thank you Shivshankar.
7004803981.
Wish you a very healthy & speedy recovery Sir..aapka wait kr rha tha 🙏
Thanks Kunal
Thanks for letting us know about the definition of pre-existing diseases as given by IRDAI. That 48 months part is very important. 👍🏽
Exactly.
Thanks for your continued knowledge and bagwaan has accepted prayers of your loved ones for your well being.
Thanks
God bless you Sir, aap jaldi theek ho jaeye
Thanks Jitendra.
Need your help. How to move from corporate insurance to individual health insurance once i change employer.
Buy personal health insurance
@@AssetYogi thanks for your response. But the premium will be lot higher if I buy a new one. Based on my current age.
Good to have you back sir, take care of your health
Thanks Tushar.
Good to have you back sir . take care of your health
Thanks God you are fine Mukul.
Thanks Triguna.
Good informative video..all points are explained in a well manner....all points are needful and necessary while taking medical policy.....stay healthy sir ji...
Thanks Mahesh.
I want to know that health insurance
Works in case of general fractures of hand or legs ??
Please answer
Yes
Thanks Mukul. This is very helpful. Stay healthy!
Keep learning.
Thank you for your guidance. Hope you have recovered well. I have one query. Let's say there is a pre existing disease and doctors have not diagnosed it. You have taken health insurance and when you go for claim and if doctor says that the person has pre existing disease then will it be covered by insurance company?
Best regards.
Yes it will be covered bcoz the disease was not diagnosed before making this claim. Only that disease is considered as pre-existing which was already diagnosed at the time of buying the insurance policy. The idea behind this Clause is that the person buying insurance should not hide any already diagnosed disease at the time of buying the first policy hope I was able to help!
Thanks, Stay healthy. May God bless you always.
Thanks Vikas.
There is one more term used in health insurance that is Slow growing diseases,could you please put some light on it and how we can claim for such diseases
Sir welcome back, was missing your informative videos. Take care of your health
Thanks Parmar. Keep learning.
& which insurance plan is sending for pre medical checking for any disease,
Good to see you again.. I have no health insurance plan.. Pls suggest to me a how to select a best health insurance plan for my family...
Stay healthy sir... God bless u.
Good to see you with same energy sir.
Thank you Vikram.
how much dp charges will apply if i sold two or more stocks of different companies.
7.32 min, As per my knowledge continuity period works even after 1 year policy porting. No such condition seen by me where continuity not applicable. Are you confirmed?
Helth plain switch ke upor video banaiye!!
.health is wealth
Always be blessed and healthy.. good to see you after long💐💐🙏🙂
Thanks Alkesh.
Feels good to see you again!
Thanks sir.
Thank you sir for your clear explanation on terms of irda policy updates.
Most welcome.
Ishwar aapko sadev swasth rakhe
Thanks for your blessing.
so sir if IRDAI says pre existing diseases means those we had or have during the last 48 months, so it means we dont need to declare diseases/surgeries we had before the 48 months? pls clarify this, very imp!
Please clarify
Yes sir,please clarify
Sir, I was diagnosed with IBD Crohn's disease in 2022 (age 22 years), and have not taken any health policy, but now I am not able to buy a health policy, whenever I tell them that I have this disease. But one can fall ill, or due to an accident also get hospitalized, in this case, what shall one do, should I not disclose my pre-existing disease, or without disclosing serve the moratorium period, then raise claims after 8 years if anything happens, till then get treated on my own cost, etc. Please, help/guide or make a video for this type of case, (where, what one should do when the company is not giving insurance to any pre-existing disease, how they should buy the insurance). Thank You.
Please answer this as no one is answering 🙏
-> what if i never claim insurance in 10 years and the premium paid gets equivalent to s insured. In this case it would have been better to just invest this premium paid as SIP?
Good to see you back again
Thanks
is it possible to take top-up on corporate plan during job
Please one up date is when you change company your wating period dose not effect
Firstly god bless you with good health and I am 62 yr,with legament problem kiya mujhe health ins, karvana chahiye or kon se co se pl suggest
Happy to see you back Sir, take care 🙂
Thanks, you too!
God bless you stay happy and healthy
Thanks Hema.
Sir mujhe aap suggest kr do ki LIC me life insurance plan for family kon sa best rahega, five members h , taki kuchh problem aane per private hospitals me ilaaj krwa skun ??
best health insurance policy for mother please ? she has knee cap or arthritis curenlty..also gastric issues
Just one question how company profits affects the stock price of the company because stock price fluctuates on the basis of demand and supply then why company profits matters?
Demand and supply is due to companies fundamental in the long run.
what hbac level is considered diabetes by insurance underwriters?
Good to see you after long time.
Thanks Rajalakshmi.
Hllo sir, jaise kush companies bina health checkup ke policy deti hai ,abi tk hme pta hi nhi koi pre existing disease hai jaa nhi naa humne health checkup krvaya hai
Vo insurance policy me cover hogi
2nd one is that medical company ko kaise pta lge gaa ki yeh disease 4 years old hai
After so many days 🤗🤗
Nice to see you back
Thanks Firoz.
Take care of your health. Good Luck
Thanks for your concern Pradipta.
What is your suggestion on taking super top up on existing policy.
If I have already individual insurance policy, dn should I have to also take/join corporate policy ?
Corporate policy, if its compulsory then you have to, otherwise you can ignore. Though the charges they levy will be less, so you can take that too.
If i have to pay health insurance premium by credit card then any extra charge on credit card?
No.
I have a query if I take policy last year and in 2nd year I detect with high blood pressure so it will cover under pre disease or not ?
That's nice, thanks for replying, you can send a message to number above to our administrator oN watsapp to earn in crypto..
गुरु जी को प्रणाम 🙏🙏🙏🙏🙏
Thanks Vinod.
Take care, Stay healthy, god bless you sir🙏🙏🙏
Thanks Sujit.
Hope feeling good now... take care
Thanks Asif.
Get well soon
Thanks for your concern.
Sir namaste🙏🙏
Sir kaunsa HEALTH INSURANCE family ke lia acha rahega.. Kindly guide me sir
Contact a financial advisor
Get well soon Sir
Thanks Vidyadhar.
Good to see you again... Stay healthy 💕
Thanks Akhil.
Really to hear you after long time. Stay fit.
Happy
YES YOUR RIGHT SIR JI AND STORE INSURANCE KE BARE ME DETAILS BATAYE SIR
Noted Salim.
Sir which is best health insurance plan and company?
,kenko health plan kaisa h isme opd cover kaise ker sakte h
Attention - In case you'll be claiming your health insurance, make sure to choose a hospital that does not fraudulently claim excess amount from your insurance provider thereby reducing the overall cover that would be left for you in that year. Here is the example -
Let's say A got admitted into a hospital for a surgery that costed 2 Lakh overall. Nowadays, everything being cashless, the hospitals generate a bill for such surgeries up to double the actual amount i.e 4 Lakhs and get it from insurance companies.
Now ideally after the surgery, if A had a total cover of 5 Lakhs then he must be left with 3 Lakhs but that's not the case, they're only left with 1 Lakh.
This scam is running wide open and one of my friends who supervises TPA in one such hospital introduced me to it.
Yr har taraf scams fraud se pareshan hogaya hun Mai. Normal simple life kyun nahi jeete yr sab
@@Rishi2015 ye sale backbenchers hai 😂
And how do we find such hospitals? Any way to find out?
Sadly we'll never know. I've seen this case in cashless btw.
بہت معلوماتی بلاگ ہے۔
Sir please Army person aur paramilitary person ke liye term insurance par ek video banaiye please 🙏🙏
Noted Abhishek.
Not only policies have waiting periods for PED but 2 yrs WP is there for specific diseases. Read the policy wordings along with brochure to understand more on this.
That's nice, thanks for replying, you can send a message to number above to our administrator oN watsapp to earn in crypto.. ...
Make a video on aggregate deductable for health insurance
I defer with you about contunity cover of GMC and in retail policy if it gets ported to other insurer...
Same condition m mere bhi stone hui thi.
Hi Sir, My Laser Kidney Stone Surgery was done in 2011. I have taken medical insurance from aditya birtla in Aug 2022 and this is my first time, I am taking any heath insurance plan. I didn't inform them about my surgery. Will it create problem to get the claim in future?
Hi sir.
I didn't got one point which is as you said that mam was having a corporate insurance which she converted into individual policy.
But how you got the benefit for your surgery from her policy?
Because spouse is covered in such corporate policy
I am looking for family floater can you please suggest
Contact a financial planner.
Get well soon sir 💐
Thanks Amol.
For a second i thought im learning about medical science. haha , Yur conveying power is super stong.
Thanks
Sir hdfc ergo optima secure health insurance plan acha hai na compare to navi health insurance
You can compare their benefits.
@@AssetYogi according to you which will be the best actually i have compared but confused now pls help
from where we should buy health policy - direct from the website of the company or any 3rd party app
Hope you are well now.
Thanks for the concern Ankit. I am fine now.
Is it possible to Port my health policy from Care'health insurance to Star health insurance ?
Best no. 1 health insurance video
Thanks.
Take care 🌹
Be happy always
Thanks
Hope so aap hamesha thik.rhe
Make a video on Vechicle insurance
& types of Vechicle Insurance
Is there any condition to port the health insurance from one company to other?
What if we buy the cheapest plan from not famous company and later completing the 3/4 years of waiting period. We wanted to port or switch the insurance to other company. Is it possible?
All company health insurance can be portable to other health insurance companies? Or is there any restrictions or conditions?
Good to see you back
Thanks Sujit.
Sir could u please guide me which health insurance plan is good , & regarding cashless also, so please guide I want to take plan but i m confused still now
I suffered from GBS (Guillain Barre Syndrome, one type of neurological fever that happens due to Virus or Bacteria..it is rare disease) at the age of 3 and 1/2 yrs and recovered after treatment at that time.
I got that diseases again at the age of 29 yrs, after 25 yrs of previous occurance.
My Health Claim is rejected by company giving reason of Pre-Existing Disease. But actually it is not a matter of Pre-Existing Disease as per their Policy Wordings and IRDAI definition as you said in this video. I need kind help from you.
I have tired fighting with company.
I need perfect advice to go for consumer court, I am ready to pay fees for better advice.
Please 🙏
You can go to Insurance Regulator and if needed to consumer court. That also depends on whether you informed your insurer about pre-disease or not.
Policy lene se pehele keya Jo Jo doctor ke saath consultation hua Sabhi disclose korna porega?PED NA HUA TO?
Make video on Maternity Expenses & Diagnostic,Pathology Expenses in health insurance
There are specific plans for Maternity expenses and rest other expenses mentioned by you should never have any capping in your preferred policy
भगवान आपको सुखी रखे और स्वस्थ रखे...
🙏 🙏 🙏
Thanks Reetu
Get well
Delivery of baby not included in any health insurance....?
It depends on policy to policy.