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Beshak Insurance
India
เข้าร่วมเมื่อ 22 พ.ค. 2020
Beshak.org is India's only independent* mission led platform that brings you curated content, tools and experts.
We are that lens that will help you understand, manage and extract the best from the complicated world of insurance.
*What is Independent?
We are the only company where content, offerings are 100% uninfluenced by insurance companies - thus being solely focused on solving the problems and goals of the insurance buyer.
We are that lens that will help you understand, manage and extract the best from the complicated world of insurance.
*What is Independent?
We are the only company where content, offerings are 100% uninfluenced by insurance companies - thus being solely focused on solving the problems and goals of the insurance buyer.
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
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
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Is it possible to take health insurance covering OPD consultations ?
Should I buy 2 term insurance plans or is 1 term plan enough?
What is the best health insurance plan in the market today?
Very informative. Have a question, when is the right time to get insurance?
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?
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?
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.
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....
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
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.
Insightful🙌
Good to know our conversation is helping everyone!
Maine policy bazar se term insurance liya Tha. Wo reject ho gaya aur koi reoson bhi nahi bataya
Aapko insurer se email aaya hoga. Aap directly insurer ko phone karke wajah pooch sakte hain.
What is the right age to buy insurance?
Really helpful video for someone like me who is planning to take their first insurance
What is the “free to look” period?
Which plan should I choose for my family and me ? I need some guidance.
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?
You can get in touch with our advisors here: www.beshak.org/advisor/?formstart=1 they'll be able to guide you the best!
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?
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!
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?
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?
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.
This is insightful. Is there any way we can get a session from Mahavir Ji to understand health insurance?
Great episode! The insights on insurance were incredibly helpful. Keep up the fantastic work, Beshak!
Thank you for the wonderful feedback! It means a lot to know that the episode resonated with you.
I will definitely book a policy for myself and for my parents as well.
Very informative podcast; it definitely cleared up all the doubts I had about insurance.😇
Glad it was helpful!
Very interesting video! What are things to keep in mind before buying a term insurance policy?
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!
Can I get life insurance if I have a pre-existing medical condition? How can Beshak help here ?
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?
Loved this episode! 🙌 Are there specific factors we should consider when choosing between an individual vs. a family floater health policy?
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!
Which is the best health insurance plan for a 25 year old female?
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?
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!
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?
We have answered your query on our next episode! It's coming out tomorrow! Watch out!
I phone le lenge but insurance nahi
Bhai par lock 🔒 500 me aa jata h
Insurance is a good one-time investment
This was very insightful 👍
@@lilymillie_ thank you
@@lilymillie_ thank you
😮
Interesting🤔
One learns new things everyday 😮
To tu kyu yaha tp kar raha hai corporate chukiya sa...😢
IRDA what do ?who is responsible person.
@@geetha1937 can you elaborate
IRDAI is a regulatory body for insurance company like RBI for banks.
Health insurance company& life insurance company not settled 100% in India.
@@geetha1937 pls add some more details
Insightful💡
@@hiteshdubey3287 thank you
Very useful - Beshak is doing a great job! 👍
Thank you :)
VERY USEFUL PODCAST
Thank you :)
Good explanation.
Thank you :)
I have purchased 3 investment plan from policybazar . Is it safe aggregator for investment? Please suggest me
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?
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
min income req for 1 crore term plan
Please get in touch with our advisors: www.beshak.org/advisor/?type=term
Sir, what about drinking?
Thank you so much sir✍️🙏🙏
Sir husband and wife he family floater plane buy kar sakate hai ya brother and sister be buy kar sakate hai?