Beshak Insurance
Beshak Insurance
  • 207
  • 636 767
Don't buy insurance without going through this conversation | Insurance Unfiltered
We’re back with Episode 2 of the Insurance Unfiltered podcast!
Thanks so much for all the love on our first episode-it was awesome to see your comments and questions rolling in! We’ve tried to cover all those questions in this episode, so get ready for some clear, no-nonsense answers.
We’ll break down the basics of term, health and whole life insurance, show you how to pick coverage that fits your lifestyle, and give some insider tips on managing your insurance as life changes. Whether you’re just starting out or tweaking your policy, we’ve got you covered.
Hit play, and let’s dive in! And don’t forget to subscribe to @Beshak so you’re always one step ahead on your insurance journey!
#insurance #podcast #podcastlife #show #healthinsurance #terminsurance #stayprotected #health #care #conversation #tips #hacks #finance
Chapters:
00:00 Precap
00:56 Introduction
01:09 Choosing the Right Insurance: When to buy and what’s suitable for you
02:36 Personal Accident Cover: How it helps
05:40 Starting Early: Is buying insurance at 25 necessary?
07:38 Age & Premiums: How age affects policy premiums
08:13 Evaluating Term Insurance Needs
09:40 Life Events: Should you change your policy after marriage?
10:11 Understanding Floater Policies
11:34 Pre-existing Conditions: Managing insurance with diabetes
13:31 Family Coverage: Segregating policies for family members
13:51 Covering Needs: Why you might need a higher cover than your parents
14:31 Wealth vs. Insurance: Should you still get insurance if your family is financially secure?
18:41 Term Insurance for Spouse
21:56 Employer Insurance Coverage: Is it enough?
23:04 Employer Insurance in Retirement
24:00 Calculating Term Insurance Coverage Needs
24:33 Home Loans & Term Insurance
25:57 Nominee vs. Assignee: What’s the Difference?
28:00 Beshak's Approach: How Beshak makes a difference
28:56 Investment Portfolio Tips: Adjusting your portfolio after having kids
30:16 Annual Needs Assessment
32:51 Separate Policy for an 18-Year-Old
34:00 Tax Benefit 80D for Child’s Policy
34:47 Insurance for Older Age
36:45 Multiple Disorders: Insurance options for complex health conditions
37:29 Critical Illness Cover: Why it’s needed with health insurance
38:43 Critical Illness Rider: What it covers
43:00 Outro
Connect with us:
Website: www.beshak.org/
Facebook: share/2HJT7MEh1anXXFF2/?mibextid=qi2Omg
Instagram : beshakorg
LinkedIn : www.linkedin.com/company/beshak/
Twitter : x.com/BeshakIN
มุมมอง: 870

วีดีโอ

The hardest questions about insurance answered with@profkaranshetty | Insurance Unfiltered E01
มุมมอง 3.7Kหลายเดือนก่อน
The hardest questions about insurance answered with@profkaranshetty | Insurance Unfiltered E01
Hidden facts you should check before buying insurance | How to avoid claim rejection
มุมมอง 69หลายเดือนก่อน
Hidden facts you should check before buying insurance | How to avoid claim rejection
Individual v/s Corporate Health Insurance 2024 | What's better? #insurance #health #healthcare
มุมมอง 55หลายเดือนก่อน
Individual v/s Corporate Health Insurance 2024 | What's better? #insurance #health #healthcare
All About Claims in Insurance | Mahavir Chopra On ET Now | Beshak
มุมมอง 386ปีที่แล้ว
All About Claims in Insurance | Mahavir Chopra On ET Now | Beshak
We turn 3! 🍰| Beshak
มุมมอง 244ปีที่แล้ว
We turn 3! 🍰| Beshak
What if I'm unaware of any diseases while buying insurance? | All you need to know | Beshak
มุมมอง 675ปีที่แล้ว
What if I'm unaware of any diseases while buying insurance? | All you need to know | Beshak
All you need to know about Term Insurance claim rejections | Beshak
มุมมอง 5612 ปีที่แล้ว
All you need to know about Term Insurance claim rejections | Beshak
One Day after buying the policy | Informing your family about your term insurance | Beshak
มุมมอง 3432 ปีที่แล้ว
One Day after buying the policy | Informing your family about your term insurance | Beshak
What should you do - on the day of buying a Term insurance policy | MWP Act | Beshak
มุมมอง 3982 ปีที่แล้ว
What should you do - on the day of buying a Term insurance policy | MWP Act | Beshak
One day before purchase | Things to consider before buying term insurance | Beshak
มุมมอง 5652 ปีที่แล้ว
One day before purchase | Things to consider before buying term insurance | Beshak
How to choose the best term insurance company? | Compare term insurance policies | Beshak
มุมมอง 4462 ปีที่แล้ว
How to choose the best term insurance company? | Compare term insurance policies | Beshak
Deep dive into Personal Accident rider | What is a personal accident rider in term plan | Beshak
มุมมอง 2852 ปีที่แล้ว
Deep dive into Personal Accident rider | What is a personal accident rider in term plan | Beshak
A deep-dive into Critical Illness Insurance | Should you add critical illness rider? | Beshak
มุมมอง 4862 ปีที่แล้ว
A deep-dive into Critical Illness Insurance | Should you add critical illness rider? | Beshak
Things to do - Ensuring a smooth claim settlement for your family | Beshak
มุมมอง 3232 ปีที่แล้ว
Things to do - Ensuring a smooth claim settlement for your family | Beshak
Customizing Premium Payments | Limited Pay in term insurance | Beshak
มุมมอง 2702 ปีที่แล้ว
Customizing Premium Payments | Limited Pay in term insurance | Beshak
Review of iProtect Smart Term Plan by ICICI Prudential | Beshak
มุมมอง 2.1K2 ปีที่แล้ว
Review of iProtect Smart Term Plan by ICICI Prudential | Beshak
Is there a way to get guaranteed returns? | What is a term insurance with return of premium | Beshak
มุมมอง 2542 ปีที่แล้ว
Is there a way to get guaranteed returns? | What is a term insurance with return of premium | Beshak
Will my cover amount be enough forever? | How much life insurance cover do I need? | Beshak
มุมมอง 3372 ปีที่แล้ว
Will my cover amount be enough forever? | How much life insurance cover do I need? | Beshak
Review of HDFC Life Click 2 Protect Life Term Plan | Beshak
มุมมอง 2.5K2 ปีที่แล้ว
Review of HDFC Life Click 2 Protect Life Term Plan | Beshak
How much term insurance cover do you need? | The Best Term Insurance Calculator | Beshak
มุมมอง 4612 ปีที่แล้ว
How much term insurance cover do you need? | The Best Term Insurance Calculator | Beshak
When to end my Term Insurance policy? | Beshak
มุมมอง 3672 ปีที่แล้ว
When to end my Term Insurance policy? | Beshak
When is the best time to buy Term Life Insurance? | Beshak
มุมมอง 4152 ปีที่แล้ว
When is the best time to buy Term Life Insurance? | Beshak
Am I Eligible for Term Insurance? Is Term Insurance Right for me? | Beshak
มุมมอง 1.8K2 ปีที่แล้ว
Am I Eligible for Term Insurance? Is Term Insurance Right for me? | Beshak
What is Term Insurance? टर्म इंश्योरेंस क्या है? | Beshak
มุมมอง 4132 ปีที่แล้ว
What is Term Insurance? टर्म इंश्योरेंस क्या है? | Beshak
3 reasons why employer Health Insurance might not be enough!
มุมมอง 2203 ปีที่แล้ว
3 reasons why employer Health Insurance might not be enough!
What do you do if you're not eligible for a regular Term Insurance plan?
มุมมอง 1543 ปีที่แล้ว
What do you do if you're not eligible for a regular Term Insurance plan?
Can we depend on a cashless facility at the time of a emergency hospitalization?
มุมมอง 2403 ปีที่แล้ว
Can we depend on a cashless facility at the time of a emergency hospitalization?
Portability of Health Insurance Policies | Audio Webinar | Beshak
มุมมอง 2563 ปีที่แล้ว
Portability of Health Insurance Policies | Audio Webinar | Beshak
Configuring a Health Insurance Coverage | Super Top-ups, Restoration, No Claim Bonus!
มุมมอง 4183 ปีที่แล้ว
Configuring a Health Insurance Coverage | Super Top-ups, Restoration, No Claim Bonus!

ความคิดเห็น

  • @sunrise_kc1104
    @sunrise_kc1104 วันที่ผ่านมา

    Is it possible to take health insurance covering OPD consultations ?

  • @AanyaTiwari-y3t
    @AanyaTiwari-y3t 2 วันที่ผ่านมา

    Should I buy 2 term insurance plans or is 1 term plan enough?

  • @Kaaynat-d2z
    @Kaaynat-d2z 2 วันที่ผ่านมา

    What is the best health insurance plan in the market today?

  • @namanmathur7389
    @namanmathur7389 2 วันที่ผ่านมา

    Very informative. Have a question, when is the right time to get insurance?

  • @drsussybaka
    @drsussybaka 2 วันที่ผ่านมา

    I had a query -What’s considered an adequate amount for health insurance coverage today? And if someone opts for lower coverage, could that be beneficial or pose risks in the long run?

  • @lilymillie_
    @lilymillie_ 2 วันที่ผ่านมา

    Can you elaborate on why we’re seeing such a sharp rise in health insurance premiums? And what customers like us can do to manage these escalating costs?

  • @AishwaryaRoy123
    @AishwaryaRoy123 3 วันที่ผ่านมา

    Thank you for addressing my questions! These questions and topics should be discussed more we more people can take the right decision, instead of getting fooled by salespeople.

  • @boys9428
    @boys9428 6 วันที่ผ่านมา

    Bhai bhaja alienslife insurance e toch policy dairect karedu or polacy bazar se...dairect website se inter pass ok polacy bazar se degree compalsary bolry....

  • @lrsreddy1709
    @lrsreddy1709 8 วันที่ผ่านมา

    GOOD ADVICE. But in health insurance in India we are at the mercy of insurance companies despite full disclosure. Because of fraud claims good customers are also getting claims rejected for silly reasons

    • @Beshak
      @Beshak 6 วันที่ผ่านมา

      It’s true that honest customers often bear the brunt of stricter scrutiny due to fraudulent claims, which can be incredibly frustrating. This is why it’s so essential to stay informed about policy details, rights, and appeal processes. We’re here to help people navigate these challenges and stay empowered in their insurance journeys.

  • @romansingh4400
    @romansingh4400 10 วันที่ผ่านมา

    Insightful🙌

    • @Beshak
      @Beshak 9 วันที่ผ่านมา

      Good to know our conversation is helping everyone!

  • @Gmmaths1
    @Gmmaths1 13 วันที่ผ่านมา

    Maine policy bazar se term insurance liya Tha. Wo reject ho gaya aur koi reoson bhi nahi bataya

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      Aapko insurer se email aaya hoga. Aap directly insurer ko phone karke wajah pooch sakte hain.

  • @watchwithdep
    @watchwithdep 13 วันที่ผ่านมา

    What is the right age to buy insurance?

  • @utkarshratnakar7932
    @utkarshratnakar7932 13 วันที่ผ่านมา

    Really helpful video for someone like me who is planning to take their first insurance

  • @aquibkhan6880
    @aquibkhan6880 13 วันที่ผ่านมา

    What is the “free to look” period?

  • @parasbhobekar9762
    @parasbhobekar9762 13 วันที่ผ่านมา

    Which plan should I choose for my family and me ? I need some guidance.

  • @T.I.P.S-yy8fg
    @T.I.P.S-yy8fg 13 วันที่ผ่านมา

    Very interesting session. How are you guys building this? I purchased a policy a few months back and now I visited your website and got to know some good insights. Is there a way where I can get my policy reviewed?

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      You can get in touch with our advisors here: www.beshak.org/advisor/?formstart=1 they'll be able to guide you the best!

  • @Mitzuzakimadam
    @Mitzuzakimadam 13 วันที่ผ่านมา

    Very helpful!! Videos like these should be done more. But I want to know that why people ask to buy insurance early? Will it save me premiums? If yes how much?

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      We'll keep doing our best to spread awareness! To answer your question- Buying insurance early can save you significantly on premiums because insurers see younger individuals as lower risk. For example, a ₹1 crore term plan might cost a 25-year-old around ₹6,000 per year, but the same coverage could cost a 35-year-old closer to ₹10,000 annually. Over time, these savings add up. Plus, with health insurance, getting coverage early allows you to complete waiting periods sooner, making your policy fully effective when you need it most. So, starting early locks in a lower rate and better coverage!

  • @clockodial-x9q
    @clockodial-x9q 13 วันที่ผ่านมา

    How to get the best health insurance? I visited the beshak website but could you tell me how to make sure that the product which I'll be buying is the right one? And why do we not buy from other platforms?

  • @AishwaryaRoy123
    @AishwaryaRoy123 13 วันที่ผ่านมา

    Insurance has always been such a puzzle. That's the very reason most people, including me, just don't want to think about it. But this video helps. A fun take on insurance and cleared some of my doubts! Want to know that even though I am just 25, do I need insurance now? Or can I take some time to save up and buy it later?

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      Glad we could help you! It’s a great question, and one that a lot of people in their twenties ask! While 25 might feel young for insurance, it's actually a smart time to start. Here’s why: 1. Lower Premiums: The younger you are, the lower your premiums will be since you're generally healthier. Buying early lets you lock in affordable rates that might be higher if you wait. 2. Unexpected Events: Insurance is there to protect you from unexpected medical costs, accidents, or financial burdens on your family. Waiting might leave you exposed during a crucial time. 3. Financial Security: Getting insured now means you’re setting up a safety net, which is a great foundation as you work toward other financial goals like saving or investing. That said, you don’t need to buy every type of insurance right now-starting with basics like health and term insurance could be the most beneficial.

  • @romansingh4400
    @romansingh4400 13 วันที่ผ่านมา

    This is insightful. Is there any way we can get a session from Mahavir Ji to understand health insurance?

  • @akshayshetty-fc5jz
    @akshayshetty-fc5jz 13 วันที่ผ่านมา

    Great episode! The insights on insurance were incredibly helpful. Keep up the fantastic work, Beshak!

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      Thank you for the wonderful feedback! It means a lot to know that the episode resonated with you.

  • @parasbhobekar9762
    @parasbhobekar9762 13 วันที่ผ่านมา

    I will definitely book a policy for myself and for my parents as well.

  • @parasbhobekar9762
    @parasbhobekar9762 13 วันที่ผ่านมา

    Very informative podcast; it definitely cleared up all the doubts I had about insurance.😇

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      Glad it was helpful!

  • @Kaaynat-d2z
    @Kaaynat-d2z 13 วันที่ผ่านมา

    Very interesting video! What are things to keep in mind before buying a term insurance policy?

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      Thanks! Here are key things to consider before buying a term insurance policy: Coverage Amount Policy Tenure Claim Settlement Ratio Premium Affordability Riders & Add-ons Accurate Disclosures Annual Review A little planning now can ensure a secure future for your loved ones! For any help, feel free to reach out!

  • @sunrise_kc1104
    @sunrise_kc1104 13 วันที่ผ่านมา

    Can I get life insurance if I have a pre-existing medical condition? How can Beshak help here ?

  • @AanyaTiwari-y3t
    @AanyaTiwari-y3t 13 วันที่ผ่านมา

    Children need to ported out of their parent's floater plan after 24-25 years of age - so in this case, will there be underwriting again?

  • @dipakkumarroy2090
    @dipakkumarroy2090 13 วันที่ผ่านมา

    Loved this episode! 🙌 Are there specific factors we should consider when choosing between an individual vs. a family floater health policy?

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      Thank you for loving our first podcast! Yes, there are a few key factors to consider when choosing between an individual and a family floater health policy. We have explicitly discussed this on our new ep! Catch it live tomorrow!

  • @MamtaJain-sp6kc
    @MamtaJain-sp6kc 13 วันที่ผ่านมา

    Which is the best health insurance plan for a 25 year old female?

  • @drsussybaka
    @drsussybaka 13 วันที่ผ่านมา

    Great insights in this episode! 👏 It’s so important to make informed decisions when it comes to insurance, and the practical tips here make it feel a lot less overwhelming. Thanks for breaking down the complex parts of health and term insurance, especially the info on critical illness coverage-it was super helpful! Quick question: How can someone decide the right amount of coverage for their health insurance if they’re uncertain about future medical costs?

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      Thank you for the wonderful feedback! It means a lot to know that the episode resonated with you. Watch out for our Ep 2, We have answered your question there!

  • @VardhamanPatra
    @VardhamanPatra 13 วันที่ผ่านมา

    Interesting podcast - very different from anything I have watched so far. Nice mix of Hindi, seems you both are from Mumbai? I have a question about the right time to buy Health Insurance. Is it when you start a job or when you have dependents etc?

    • @Beshak
      @Beshak 13 วันที่ผ่านมา

      We have answered your query on our next episode! It's coming out tomorrow! Watch out!

  • @drsussybaka
    @drsussybaka 18 วันที่ผ่านมา

    I phone le lenge but insurance nahi

  • @Zack12721
    @Zack12721 18 วันที่ผ่านมา

    Bhai par lock 🔒 500 me aa jata h

    • @Beshak
      @Beshak 17 วันที่ผ่านมา

      Insurance is a good one-time investment

  • @lilymillie_
    @lilymillie_ 20 วันที่ผ่านมา

    This was very insightful 👍

    • @Beshak
      @Beshak 20 วันที่ผ่านมา

      @@lilymillie_ thank you

    • @Beshak
      @Beshak 20 วันที่ผ่านมา

      @@lilymillie_ thank you

  • @drsussybaka
    @drsussybaka 20 วันที่ผ่านมา

    😮

  • @drsussybaka
    @drsussybaka 23 วันที่ผ่านมา

    Interesting🤔

  • @drsussybaka
    @drsussybaka 28 วันที่ผ่านมา

    One learns new things everyday 😮

  • @nikhilug2
    @nikhilug2 หลายเดือนก่อน

    To tu kyu yaha tp kar raha hai corporate chukiya sa...😢

  • @geetha1937
    @geetha1937 หลายเดือนก่อน

    IRDA what do ?who is responsible person.

    • @Beshak
      @Beshak 20 วันที่ผ่านมา

      @@geetha1937 can you elaborate

    • @aviseksahu5462
      @aviseksahu5462 15 วันที่ผ่านมา

      IRDAI is a regulatory body for insurance company like RBI for banks.

  • @geetha1937
    @geetha1937 หลายเดือนก่อน

    Health insurance company& life insurance company not settled 100% in India.

    • @Beshak
      @Beshak 20 วันที่ผ่านมา

      @@geetha1937 pls add some more details

  • @hiteshdubey3287
    @hiteshdubey3287 หลายเดือนก่อน

    Insightful💡

    • @Beshak
      @Beshak 20 วันที่ผ่านมา

      @@hiteshdubey3287 thank you

  • @namanmathur7389
    @namanmathur7389 หลายเดือนก่อน

    Very useful - Beshak is doing a great job! 👍

    • @Beshak
      @Beshak หลายเดือนก่อน

      Thank you :)

  • @PCMEDIA2408
    @PCMEDIA2408 หลายเดือนก่อน

    VERY USEFUL PODCAST

    • @Beshak
      @Beshak หลายเดือนก่อน

      Thank you :)

  • @lrsreddy1709
    @lrsreddy1709 หลายเดือนก่อน

    Good explanation.

    • @Beshak
      @Beshak หลายเดือนก่อน

      Thank you :)

  • @anujgaur2727
    @anujgaur2727 หลายเดือนก่อน

    I have purchased 3 investment plan from policybazar . Is it safe aggregator for investment? Please suggest me

  • @rabin13579
    @rabin13579 หลายเดือนก่อน

    Hi Sir, recently applied for max term insurance, and as everybody say that never hide things from insurance and be honest. I did the same and mentioned that I did marijuana in the past and due to this they have rejected my application. What can I do? can I complain about them anywhere because when filling up the form they asked any drug etc (they should have mentioned that if you do this drug then your application will be rejected) This would have saved so much time. Also, due to this rejection I do not think that any insurance company would provide me any policies. How can I make sure that my family are secure after I am gone. Is there any alternative? Also is there any place where I can do a legal compain for these people?

  • @JayantaJanaphd
    @JayantaJanaphd 2 หลายเดือนก่อน

    Vai Policybazar she mat kharido plan Delhi then directly bank she kharid lo.. in logon ko sirf policy bechne me interest hai.. Itna Yadav pareshan karenge DiMag kharab ho lega

  • @funnydubbing7730
    @funnydubbing7730 3 หลายเดือนก่อน

    min income req for 1 crore term plan

    • @Beshak
      @Beshak 2 หลายเดือนก่อน

      Please get in touch with our advisors: www.beshak.org/advisor/?type=term

  • @rishi_wagal
    @rishi_wagal 3 หลายเดือนก่อน

    Sir, what about drinking?

  • @pratikshah3662
    @pratikshah3662 4 หลายเดือนก่อน

    Thank you so much sir✍️🙏🙏

  • @pratikshah3662
    @pratikshah3662 4 หลายเดือนก่อน

    Sir husband and wife he family floater plane buy kar sakate hai ya brother and sister be buy kar sakate hai?