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Ditto Insurance
เข้าร่วมเมื่อ 18 ส.ค. 2023
Ditto Insurance is now on TH-cam!
Honest health & term insurance advice? Check
In-depth reviews on India’s top insurers? Check
Explainers on the best insurance policies in the market? Check
Subscribe now & stay on top of the game.
Honest health & term insurance advice? Check
In-depth reviews on India’s top insurers? Check
Explainers on the best insurance policies in the market? Check
Subscribe now & stay on top of the game.
ICICI Elevate vs TATA AIG Medicare Premier *DETAILED* Comparison | Pros, Cons & Features | Ditto
Confused about which health insurance suits your needs? Book a free chat with Ditto for spam-free, personalized advice - ditto.sh/f0actz
Welcome to our channel! In today’s video, we’re comparing two popular health insurance policies: ICICI Elevate by ICICI Lombard Health Insurance and Tata AIG Medicare Premier by Tata Health Insurance. These policies are some of the most discussed options in the market, and we’re here to help you decide which one might be the right fit for your needs. Whether you’re looking for affordability, advanced features, or comprehensive coverage, we’ve got you covered.
Key Takeaways:
By the end of this video, you’ll learn:
- The key differences between ICICI Elevate and Tata AIG Medicare Premier.
- Unique features like Infinite Care, Power Booster, and worldwide coverage.
- Pros, cons, and the ideal customer for each policy.
- Why other insurers like Aditya Birla, HDFC Ergo, and Care Supreme might be worth considering.
Claim Settlement Ratio & Hospital Networks
ICICI Lombard: CSR of 85% with 7,500+ hospitals.
Tata AIG: CSR of 96% with an impressive 10,000+ hospitals.
Coverage Options
ICICI Elevate: Coverage for surrogate mother and Oocyte donor (₹5 lakhs), add-ons like Infinite Care (no sum insured limit), and Power Booster (100% cumulative bonus annually). Room rent is limited to a single private room.
Tata AIG Medicare Premier: Coverage up to ₹3 crores with no room rent limits, worldwide coverage (₹10 lakhs), and maternity benefits (₹60,000 for girl child, ₹50,000 for boy child after 4 years).
Shared Features
Both policies offer:
Day care treatment coverage
Pre and post-hospitalization
Ambulance charges
Free health checkups
AYUSH and organ donor coverage
Cons to Watch Out For:
ICICI Elevate: Lower CSR, fewer network hospitals, and room rent restrictions.
Tata AIG Medicare Premier: Higher premiums, unnecessary built-in features, and a long maternity waiting period.
Add-Ons & Customization
ICICI Elevate: Highly customizable with add-ons like Infinite Care, Power Booster, and maternity cover (10% of the base sum insured).
Tata AIG Medicare Premier: Most features are built into the base plan, but this results in higher premiums.
Conclusion
So, which one should you choose? If you prioritize comprehensive coverage and better service metrics, Tata AIG Medicare Premier might be your pick. But if you’re looking for affordability and customizable features, ICICI Elevate by ICICI Lombard Health Insurance could be the better option.
Our recommendation? Look into insurers like Aditya Birla, HDFC Ergo, and Care Supreme, which offer more comprehensive features.
Make the best choice based on your specific needs, whether it’s network size, budget, or advanced benefits like maternity coverage or worldwide access.
Need help choosing the right policy? Book a free consultation with Ditto for spam-free, expert guidance. Don’t miss out- ditto.sh/f0actz
Our previous videos:
Galaxy Health Insurance First Look Review - th-cam.com/video/8KecwEQnS6I/w-d-xo.html
Cancer and Health Insurance - th-cam.com/video/ThGUBZM77ho/w-d-xo.html
NEW Claim Success Story - th-cam.com/video/2dEkydik9W0/w-d-xo.html
Connect with Us:
Follow us on Instagram: joinditto?...
Follow us on LinkedIn: www.linkedin.com/company/ditto-insurance/posts/?feedView=all
Tweet us your questions: x.com/joinditto
Happy Insurance Hunting
#icicielevate #tata
Welcome to our channel! In today’s video, we’re comparing two popular health insurance policies: ICICI Elevate by ICICI Lombard Health Insurance and Tata AIG Medicare Premier by Tata Health Insurance. These policies are some of the most discussed options in the market, and we’re here to help you decide which one might be the right fit for your needs. Whether you’re looking for affordability, advanced features, or comprehensive coverage, we’ve got you covered.
Key Takeaways:
By the end of this video, you’ll learn:
- The key differences between ICICI Elevate and Tata AIG Medicare Premier.
- Unique features like Infinite Care, Power Booster, and worldwide coverage.
- Pros, cons, and the ideal customer for each policy.
- Why other insurers like Aditya Birla, HDFC Ergo, and Care Supreme might be worth considering.
Claim Settlement Ratio & Hospital Networks
ICICI Lombard: CSR of 85% with 7,500+ hospitals.
Tata AIG: CSR of 96% with an impressive 10,000+ hospitals.
Coverage Options
ICICI Elevate: Coverage for surrogate mother and Oocyte donor (₹5 lakhs), add-ons like Infinite Care (no sum insured limit), and Power Booster (100% cumulative bonus annually). Room rent is limited to a single private room.
Tata AIG Medicare Premier: Coverage up to ₹3 crores with no room rent limits, worldwide coverage (₹10 lakhs), and maternity benefits (₹60,000 for girl child, ₹50,000 for boy child after 4 years).
Shared Features
Both policies offer:
Day care treatment coverage
Pre and post-hospitalization
Ambulance charges
Free health checkups
AYUSH and organ donor coverage
Cons to Watch Out For:
ICICI Elevate: Lower CSR, fewer network hospitals, and room rent restrictions.
Tata AIG Medicare Premier: Higher premiums, unnecessary built-in features, and a long maternity waiting period.
Add-Ons & Customization
ICICI Elevate: Highly customizable with add-ons like Infinite Care, Power Booster, and maternity cover (10% of the base sum insured).
Tata AIG Medicare Premier: Most features are built into the base plan, but this results in higher premiums.
Conclusion
So, which one should you choose? If you prioritize comprehensive coverage and better service metrics, Tata AIG Medicare Premier might be your pick. But if you’re looking for affordability and customizable features, ICICI Elevate by ICICI Lombard Health Insurance could be the better option.
Our recommendation? Look into insurers like Aditya Birla, HDFC Ergo, and Care Supreme, which offer more comprehensive features.
Make the best choice based on your specific needs, whether it’s network size, budget, or advanced benefits like maternity coverage or worldwide access.
Need help choosing the right policy? Book a free consultation with Ditto for spam-free, expert guidance. Don’t miss out- ditto.sh/f0actz
Our previous videos:
Galaxy Health Insurance First Look Review - th-cam.com/video/8KecwEQnS6I/w-d-xo.html
Cancer and Health Insurance - th-cam.com/video/ThGUBZM77ho/w-d-xo.html
NEW Claim Success Story - th-cam.com/video/2dEkydik9W0/w-d-xo.html
Connect with Us:
Follow us on Instagram: joinditto?...
Follow us on LinkedIn: www.linkedin.com/company/ditto-insurance/posts/?feedView=all
Tweet us your questions: x.com/joinditto
Happy Insurance Hunting
#icicielevate #tata
มุมมอง: 91
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Thank you Ditto team for comparison of difference policy's in simple way
I switch to care insurance company from HDFC and trust me this was biggest mistake of my life. In my very first claim when my 6 years old kid was not well for last 15 days, we decided to transfer into hospital. But this guys rejected the claim saying hospitalization was not required. Who are you to decide? please don't recommend this plan to anyone 🙏
I switch to care insurance company from HDFC and trust me this was biggest mistake of my life. In my very first claim when my 6 years old kid was not well for last 15 days, we decided to transfer into hospital. But this guys rejected the claim saying hospitalization was not required. Who are you to decide?
We will buy frm one of my friend advisor 👍 not frm any online platform bz reason everyone knows 🤷♂️
I already faced an anchioplasy one month before. Now i am ok. I want to know if i take a health policy for acko, when will start my coverage.
Since we don't deal with Acko directly, we aren't sure. But generally once you have gone through any treatments/surgeries, it is always advised to disclose it to your insurer before opting a policy from them.
Sir cover spelling is incorrect in subtitles Thanks for the information
Sorry for that :) Thanks for pointing it out
Can’t we just keep 5-10 lakhs as base for now and then increase it later like after 5-10 years??
You can always increase your coverage later, but with your age slab increasing, the premiums might increase as well.
Care Health is a fraudulent company that prioritizes making money over our health. My family has a Care Health insurance policy, but when my 6-year-old son was admitted to the hospital for lung issues, they rejected our claim, stating they needed to investigate further. Despite providing all the required documents, including the doctor's justification confirming that my son had no pre-existing problems, and even after our doctor directly spoke to a Care Health executive, they still rejected the claim without giving any valid reason. Please don't fall for their false promises and get cheated like we did.
Care Health is a fraudulent company that prioritizes making money over our health. My family has a Care Health insurance policy, but when my 6-year-old son was admitted to the hospital for lung issues, they rejected our claim, stating they needed to investigate further. Despite providing all the required documents, including the doctor's justification confirming that my son had no pre-existing problems, and even after our doctor directly spoke to a Care Health executive, they still rejected the claim without giving any valid reason. Please don't fall for their false promises and get cheated like we did.
Care Health is a fraudulent company that prioritizes making money over our health. My family has a Care Health insurance policy, but when my 6-year-old son was admitted to the hospital for lung issues, they rejected our claim, stating they needed to investigate further. Despite providing all the required documents, including the doctor's justification confirming that my son had no pre-existing problems, and even after our doctor directly spoke to a Care Health executive, they still rejected the claim without giving any valid reason. Please don't fall for their false promises and get cheated like we did.
Does Hdfc Optima Secure or Aditya Birla Activ One cover Cancer treatment??
If you already have the policy, and then if you get diagnosed with the disease, then definitely yes, these insurers will cover your treatment up until Sum Insured.
Acko will list all hospital as network hospital and so we purchase the policy and during emergency they will reject cashless facility in network hospital itself
Sir does galaxy insurance cover advance modern treatments like car t cell therapy, cardiac TAVR SURGERY, PROTON THERAPY for cancer
We are yet to get the complete details of this plan.
Acko is best. My own experience.
Have you claimed the benefits? Where you purchase direct from website or somewhere else? Pls share your experience I want to purchase
Very poorly explained.
We'll try better next time :)
Can we buy this galaxy from ditto.?
We aren't partnered with Galaxy at the moment
Very interesting take guys. Thanks for taking this in depth. Will ditto be offering galaxy products anytime soon? Looking to renew my insurance in the next 15 days. Would love to know more about this. Thanks in advance
Hi there! Thanks for your words! Unfortunately, we aren't tied up with Galaxy at the moment. However, if you'd like to know some alternatives, then we suggest you to book a quick consultation with us - ditto.sh/fv9yam
Everyone is not very well educated madam..so pls i request to you... speak in hindi for more comfortable to understand...
We have a dedicated Hindi Channel. Please check it out - www.youtube.com/@DittoInsuranceHindi
DO VIDEO ON NEW IRDAI RULES OF PORTING, NCB ETC
We have covered these changes in our previous videos.
Ditto : we know that you’re partnered with AB but please also consider your viewership. Who may not like you recommending your partner
any insurance is available for covering third baby?
Why would anyone pay in advance? You don't know how much installments you will pay in future.😊 Aur 10 saal me kuch achche return ban jaye to baki ki installment bharne me koi problem bhi nahi hogi.
Assume that Person A and Person B are of the same age. Person A purchased health insurance at the age of 25, while Person B purchased health insurance 20 years later. Would the insurance premiums be the same for both Person A and Person B at 45 age? Because health prices increase by age right. Pls respond.
Almost same no difference in health but huge difference in term.
No, the insurance premiums for Person A and Person B at age 45 would not be the same. While both policies will likely see incremental increases in premiums due to age and medical inflation, Person A's premiums would have started lower and increased gradually over the years. Person B's premiums will start at a much higher base due to the age at which they entered the policy.
Sir, requesting you to please do a video on better health insurance policy for Heart patients
Sure we shall cover that :)
@dittoinsurance HDFC Optima Secure is absolutely silent about modern treatments coverage in its policy wordings. What's ditto' s take on this???
No No I think all he is tell is wrong I am seeing that there is only 3K or 2K more for my age in both of them and that is not 70/80% high as he says.. don't beleive any inluncers or any youtuber's do your own due intelligence/ resarch.. all these prople work for promotions. some 16K and 19K came for me and that is not 70/80% difference. other things I agree with him like waiting in ICICI can be bought as an Addon and reduced waiting period.
Sir there is no critical illness policy being sold by ditto Please include critical illness plans especially indemnity plans and lumpsum payment Please do a video of best critical illness plans
You can add critical illness as an addon.
23-10-2024
Ajay looks like Vijay Setupathi lite😅
If looks can kll
Why are you guys not talking about power boster add ons?
Customer service is very bad in Niva bupa health insurance. I've had a very bad experience about their claim settlement. After all I've ported my policy to another.
My mother is diabetic taking insulin since 5 years..can she take Reassure 2.0 with disease management rider...care freedom having sublimit in various diseases along with co pay...
Thanks for the info
bakwass inshrance calim hi nai dete 😂
These guys are just wasting our time. Not worth listening
I am porting my Mother's HDFCERGO restore to ICICILOMARD elevate (Running from last five years, one surgery 2 years back). Would you recommend porting? In-between she developed BP which is not reflected in HDFCEGRGO. I want to inform that during porting to ICICI. Do I have to wait for 3 years before covering nay heart disease or I will be eligible for immediate cover since she has completed 5 years in previous policy?
I am porting my Mother's HDFCERGO restore to ICICILOMARD elevate (Running from last five years, one surgery 2 years back). Would you recommend? In-between she developed BP which is not reflected in HDFCEGRGO. I want to inform that during porting to ICICI. Do I have to wait for 3 years before covering nay heart disease or I will be eligible for immediate cover since she has completed 5 years in previous policy?
Bro I have bought icci elevate is it good
Everyone, Iciici Lombard health insurance is money looting company, one of the worst in market. Go for some other insurance
What's better, Mutual fund investments or HDFC life insurance?
Insurance isn't an investment, it's a necessary expense. While mutual funds help you compound your wealth, Life Insurance provides a safety net for your family, should something happen to you by paying out lump sum to them which can help them financially
@dittoinsurance Thank you for your kind information.
Iam paying from last 4 years.. now realized i have not disclosed thyriod..what should i do now ..can i discose now..if disclose now..they will cancel my policy or accept for renewal