HDFC ERGO Optima Secure vs Care Supreme vs Niva Bupa ReAssure 2.0 | Best Health Plan 2024
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- เผยแพร่เมื่อ 20 ก.พ. 2024
- To know more or find the best health insurance plan for yourself & loved ones, talk to our advisors at Ditto Insurance: bit.ly/3SD8CwU
In this video, we’re in talks with Shrehith Karkera & we will be comparing HDFC ERGO OPTIMA SECURE vs CARE SUPREME vs NIVA BUPA REASSURE 2.0- which is the best health insurance plan in India in 2024 - based on your needs & the performance of the health insurance plan.
Watch our reviews of:
HDFC Ergo Optima Secure: • HDFC Ergo Health Insur...
Care Supreme: • Care Supreme Health In...
Niva Bupa ReAssure 2.0: • Niva Bupa Reassure 2.0...
Stay tuned. Like, share & subsribe.
Happy Insurance Hunting!
1:14 Shrehith actually meant to say he paid the premiums for 2 years instead of 3 years
Kyu sirf English bolne waale hi insurance lete hai hindi mai video banao rather than make it mutli lingual language
At 16:48 is it % of complaints as shown on y-axis or complaints for every 10,000 claims? If a company is getting as high as 30-40% complaints it shouldn't even exist and don't think IRDAI will allow such high complaint ratio? If it's complaints for every 10,000 claims, showing as % is extremely misleading and misselling.
U know what... These types of videos only we want it as a comparison rather how other people compare policy .... Best video till now.. loved it... Best comparison
A health insurance plan with cancer cover would be great as it was getting common now a days
After long search found this video, many videos are there on YT but no one is talking about claims experience n complains which is most important before buying policy, they are just talking about features, thank you so much for this much informative video... ❤😊
Really loved the transparency in providing details of insurance company. They don’t push customers to buy immediately.
This was a great video , got some much needed clarification regarding choosing a plan . Sharing these realtime experiences helps a lot .
Love the conversation..Spoke with one of ur team members.He was extremely knowledgeable and guided me well.
I too just had a appointment call..
Now,I became Good at opting policy which was suit me
Thank you for this video, really appreciate the knowledge sharing
Thank you Kavya & Shrehith for explaining everything in such detail. I would say, this is a must video for everyone buying the health insurance to understand the value of high premium paid to health insurers like HDFC Ergo and Tata AIG. No other article or blog talks about customer experience except this video that you guys made. Huge help.
Glad you liked it!
I also chose care supreme for my PIL and my mother just because we can reduce waiting period and no copay after 60yr.
Thanks to Ditto for bringing this content.
At 16:48 is it % of complaints as shown on y-axis or complaints for every 10,000 claims? If a company is getting as high as 30-40% complaints it shouldn't even exist and don't think IRDAI will allow such high complaint ratio? If it's complaints for every 10,000 claims, showing as % is extremely misleading and misselling.
Hi Shrehith what best claim amount out of 1.2lakh what I mean after deductions of consumables and as you told in one insurance company they have deducted 50000
HDFC Energy also offers plans for diabetes from day 1, but why you r recommended care with rider?
You have missed major point here. Care Supreme has limitation, you can take treatment only in Zone of your postal address, company will not pay if claim is in other zone.
Example: I am residing in Bangalore, my address is Bangalore. In case I had to take treatment in Mumbai or Delhi, that will be considered as different zone w.r.to Bangalore and CLAIM WILL BE REJECTED.
Good catch. Also another drawback of plans from Care for senior citizens is there is a high copay of 50 %
Really ?? I think any insurance plan will cover network hospitals in the entire nation I don't know care supreme cover only zone wise
Title should be - let’s promote secure plan
HDFC ERGO not allowing room rent above entry level single AC room in cashless claims citing MOU between HDFC ERGO and the Hospital. Please talk about this.
Is it so? R u sure? Coz I heard we can even take a suite room as there is no capping?
@@yshah84 I took suite room but it was not covered in cashless. TPA suggested to pay in full and claim reimbursement later. I did the same and got reimbursement of about 98% of my bill. Suit room (20k per day) bill was fully reimbursed but HDFC will not allow the same in cashless claims.
@@AdityaKumar-dh7rd why 2% cut as hdfc covers 100% amount?
@@AdityaKumar-dh7rd which hospital? any big prominent hospital in the city?
@@yshah84cost of some consumables like thermometer are not covereded (as per IRDAI notification).
I have been using HDFC Ergo for last 4 years. I got 3 claims and 1 rejection. The customer care support was very poor. There was a guy who handled claims in Kochi office, He did not even file my case on time . Delayed nearly 1 month. Then when I ask for claim he was like, within 1 week, within 1 week. After a month when I contacted customer care they told us about 27 days enquiry 😂… then show continues. After long chats and wait for nearly 10 months I left the game 😢.
Right time video published ❤
Thank you so much for the support!
Best comparison
A healthy discussion on health insurance ...tnx
Care had lot of questions to you as ditto. Important is was settlement a problem to customer
Before you compare a clear understanding of all the 3 plans is important. Care Supreme provides 600% guaranteed bonus .Upto 45 years and above 75 years it is built in. age 46-75 its optional. Its not 500% as you say. Multiple restoration is available in Care Supreme and Re Assure 2.0 and Re Assure. In HDFC Optima SecureRestoration happens only once in a year. you have to pay extra foe multiple restoration. Care & Niva Bupa have no room category capping, can go even upto suite room. HDFC Optima Secure only single AC room. If the eligible room not available we land up paying a huge money from our pocket in HDFC .In Re Assure 2.0 once the restoration is triggered its applicable for ever . In Care and HDFC plan every year it has to be triggered and it happens only after the 1st claim. A humble request while comparing some important features useful to customers should not be ignored which ever be the plan.
Sir can you plz guide which one should I buy... I'm confused between reassure2. 0 , aspire and optima secure?
I had a good experience wit NIVA BUPA. I underwent surgery and had cashless treatment. NIVA BUPA is good
Can you please share a little more ?
I have also bought niva Bupa
But seeing this video got tensed
Where do we get the details of the ICR of the insurers? Real time data
Great video.. Thank you for sharing.
I am about to buy one and is confused between Niva Bupa Aspire Titanium + and HDFC Secure Optima and this video finally helped me.
In last 10 days, I got 10-15 calls from Niva Bupa to sell their policy but only 1-2 calls from HDFC Ergo. This speaks a lot.
I had similar experience
What are you trying to say here brother ?
Which one did you choose?
@@narendrag9553 HDFC Ergo
Star health @@narendrag9553
Can you tell me how is Reliance Infinity health plan?
Thanks for your content 👍
Please share term insurance experience as well. MaX life vs HDFC LIFE
Hey! We've launched review of Max Life Smart Secure Plus on our channel- th-cam.com/video/G3P9hVTvW-I/w-d-xo.html
Hdfc ergo is not covering maternity and post natal 😔
Thanks
But i wish to hear the words from customers. There are a lot of best plans in black and white
07:40 he is very true
Since it is scripted, and favoured towards three insurers due to higher payouts. It can never bring out real comparison.
Can u suggest which one should buy for my parents combined which one is the best
Hey! Please reach out to us for more details. Book a call- bit.ly/4787WoW
What about Tata AIG Medicare premier and manipal cigna
10:06 is hdfc csr is standalone health or health and general insurance included?
Health and general insurance company Ltd
This video sponsored by HDFC ergo
You guys are making really helpful videos. Loved it💯
Thanks for the support! 🙌
Please guide, can we increase sum assured value during second year or after two years
Yes, you can but it depends on the underwriting. Please feel free to reach out to our advisors for a better understanding. Book a call now. Link in the description.
How is niva bupa health insurance policy claim?
you have not consirded icici lombard health advantage
How is star comprehensive health insurance plan? Should I port to ergo optima? I don't need maternity cover
Hi,
Please reach out to our advisors and who can address your queries bit.ly/3SD8CwU
I was actually confused between Optima Secure and Care Supreme, this really helps. Thanks for an amazing and in-depth analysis.
Glad it was helpful!
So what did you decide
@@bijaykumarmajhi8624 Optima Secure
I bought health insurance for my slef last year through Ditto.
We're glad we could help you :)
Why was ICICI Lombard not covered by you? Any specific reason?
Capping and hidden conditions
Please guide premiums of Optima secure after 46, 50, 65?
Premium changes year on year and on higher ages premium is too expensive.
Please guide and correct
Please make a detailed video solely on Pre-existing disease clause.
It's too confusing while buying any health policy.
My major doubt is on how insurers consider an illness as PED. Because we don't do full body checkup before buying policies so often times we ourselves don't know our PEDs. In what cases do the claims get rejected?
Noted. On it.
Why noone talks about Bajaj Allianz? The policy claims to have multiple features like opd cover and maternity. I am still researching and just curious.
Yes I hold this policy for me and my wife. It's worth having . It covers OPD and Diagnosis equal to the premium paid individually. Means , if you pay 10k, you can use 20k (10 for OPD and 10 for Diagnosis)
@@irfansinsight9883 what is the policy name in bajaj alainz brother ?
At gunpoint, cant afford HDFC ERGO ! Can I go for Care supreme ? Or any other ?
Hey! You can choose Care Supreme if you like. However, getting claims settled if you're a ditto customer is easier. So, if you'd like any help in getting your plan, we're here to help you free of cost Just book a call with us- bit.ly/4787WoW
What if someone has already hidden his pre existing disease in policy and its 3-4 years running?
Someone did not disclose PED as he was guided that PED will be taken care of automatically after the waiting period so its not important to disclose.
What should one do now to disclose his PED to insurer???
PED was detected 7-8 years ago and policy was taken 3 years ago.
Wont his policy be terminated?
Or will company reconsider it ?
Please tell in details.
What's the way out?
It is best to declare your medical conditions & PEDs while purchasing policy to avoid claim rejection or even termination of plan.
Guys never go for niva bupa. Worst customer service. Instead of looking for features look for claim settlement ratio. Highest the claim ratio better the policy even if it doesn’t have lot of features.
Hi, Can you please review Care Advantage Plan next?
On it
Actove one next health ke bare bwtaye
Reassure 2.0 with safeguard + means 0 deductions. Is there still something on paper that pushes someone back for going for reassure 2.0
Same question here
To get your query answered, please feel free to book a call with us. Link in the description.
Hello , I am NITHIN (27) , back in 2018 I was diagnosed with T-cell leukaemia (cancer), and my treatment was completed in 2020 (including tablets). Now (2024) I am cancer free for more than three years and now I am planning to by health insurance , SHOULD I MENTION PRE-EXISTING CONDITION ? Will I be insured.
U hv to
is aya sister nurse expenses covered under post hospitalization expenses and also physiotherapy expenses ??
Nursing and physiotherapy expenses are covered by the insurer under post hospitalisation provided it is part of the hospitalisation.
@@dittoinsurance which insurance provider provides this and under which insurance plan is this covered ?
(spoiler)Ditto business strategy: kind of inserting needle inside banana . Even all those features offered by nivabupa then why dont u disclose that. Because they got paid by care & hdfc more. They never highlight the good things of other policy which doesn't pay like hdfc or care. As you told (for your safer side) its purely based your experience only
Does migrating the plan from optima restore to optime secure involves the underwriting again?
Hopefully not...
Yes but it's not much of an issue, you just need to contact them and state your requirement correctly and they'll do it in a few days.
But it will be a problem right when I have contracted any diseases post the policy was issued. will it increase my premium
Hey! If there is any past medical history, in such cases there would be some underwriting & based on that, they'd decide.
Care supreme is a really good plan with low premium without any sub-limit and loading on PED a budget friendly Health Insurance plan for all
very true.
I think LIC needs to enter this space. There is too much rejections and denials by private health insurers. Their first objective is to find a way to reject, thereby putting the health of the insurer in danger. In the developed world, it is a crime and they can be sued for rejecting the insurer claim.
Coming soon..... Preparation on the way silently
Not biased?
Please launch regional languages Ditto insurance
A small word of caution for people who pay 2 years premium together unfortunately you cannot claim tax exemption for both years as Income Tax will only consider it for the period paid so you end up losing on tax what you save on the premium escalation.
i think these can be deferred
You claim proportionately for each year.
You can claim proportionate for each year. Some companies give the break up in their Tax invoice
Why you guys are not talking about Manipal Cigna Health insurance? They offer better coverage and features compared to HDFC Ergo.
Because manipal Cigna health insurance company don't give hefty commission to the brokers. That's why they don't give recommendations or talk manipal Cigna.
It's in our pipeline
@@dittoinsurance thanks, let's hope it is available soon. Also include the information regarding the riders available like OPD which makes the policy complete.
My dad is 61 and has sugar and bp also , which plan i should buy
star red carpet
Here are some good options -
- TATA AIG Elder care (Offers no copayment, additional benefits like home nursing care, home physiotherapy, compassionate care giver, home care treatment cover, preventive health consultations, etc.)
- Niva Bupa Health Companion (Comprehensive health insurance plan with no entry age limit and no copayment)
- Care Supreme (Comprehensive health insurance plan with no entry age limit and no copayment)
- HDFC ERGO Optima secure (Comprehensive health insurance plan, now available for 65yrs+)
Let me know if you have any more questions.
- Ritik Madan, Cofounder, Simple Insure
What do the super rich buy ? The HNIs,UHNIs..
Hospitals.
@@AR-82😂😂😂
What about ICICI Lombard?
Star health ?
What about acko?
It's also one of the best medical insurer
Lelo...jab claim ayega to policy cancel kr denge..
You are just focusing on HDFC ergo I agree that it's good but you are not talking about the difference or benefits a bit deep. Thanks for this video 👍 helpful 🙂
Hi , I am unemployed but can pay premium. Can I take the insurance
Yes,you can.
Go for hdfc ergo guys👍🏻
But optima secure and super secure, both don't have modern (advanced) treatments like robotic surgery and mental illness treatment benefits in their policy wordings.
Now same path followed by HDFC Ergo as Niva Bupa..Very tough to handle
Why?
@@GREEKWALLAH They need each document repeatedly and also cross verify the same in case of accidental claim also.
Pls let me know what does critical illness cover add on means???
Hey! Critical illnesses like cancer are hard to deal with. Granted, your medical bills will be taken care of if you have an extremely comprehensive health insurance policy. But once diagnosed with a debilitating disease, you’ll be forced to take a break. You won’t be able to go to work. And your family will have to make do without your income.
But if you opt for a critical illness benefit, things won’t have to be this grim. In the event, you are diagnosed with a critical illness, the insurer will pay out a portion of your term cover in cash to help you tide this crisis. It could be 10 lakhs. It could be 50 lakhs. It could be 1 Crore. All you have to do is choose the amount when opting for the benefit and you can use this money to replace your lost income if you are ever diagnosed with a critical illness.
A critical illness rider will make your life so much easier. But remember - most policies will pay out the corpus from your sum insured. And your term cover will reduce by an equal amount.
Hi Ditto team. Is it possible to have a discussion with u tomorrow Sunday as my curet polciy is expiring on,05.8.24. I have just come across to your channel and there is no slot available before 7.8.24. I need a advise as I m not happy with current insurance.
Hi there,
We understand your situation. Since your policy has expired and you’re currently in the grace period, changing your insurance might lead to a loss of benefits. We recommend staying with your current insurance policy during this period and getting it ported 2 months before expiry when the window opens. However, if you’d like to discuss this further, we’d be happy to assist you with a quick call today.
13:23 he is talking about Star Health Insurance
Sponsored video for HDFC
I used to be with Apollo Munich which eventually got accquired by HDFC Ergo. Paid premiums for the past 12 years no claims because I have an employer coverage. However HDFC Ergo barely serviced me. There was an agent who never ever called. Also they kept my policy as Standard Health with minimal increase in the Sum Assured (for making no claims). I am 50 years and my retirement is at 60. I migrated to NIVA BUPA because for each year they double the Sum Assured in case of no claims. I dont intend to make claims on my personal policy because employer covers me already. Atleast when i retire i will have a 1crore SA considering the medical inflation this may be ok.
Hello, I'm 26 yo and struggling to find an answer.
Let's say I cross my 60 years and then no one is there to give me any health insurance. Then how can I secure myself at that time? Because no insurer offers policies after 65 years
@@vishalkokate7345 several insurers provide policy even after age 65. Care health available upto age 100, Manipal Cigna provides, Niva Bupa Health Companion available upto age 100.
@@vishalkokate7345get psu bank Group insurance cover as premiums are sky high post 65
@@vishalkokate7345 It's always better if you buy a policy now. iRDAI has a rule that no claims must be rejected if the policy is paid continuously for more than 8 years. It's an advantage. Since you are young, buy a policy now and hopefully there will be no claims for 8years and you will be safe after that. It's not a good idea to buy a policy nearing age 60.
@@vishalkokate7345buy policy early, confirm with insurer that there will be no capping after 60yr
8-10 days waiting period for call appointment 😂
Why don’t you cover Lombard. Their service is excellent
We have covered Lombard on our channel- th-cam.com/video/0EJI00BQqCA/w-d-xo.htmlsi=-sOanYl__6ISSTT7
End of the day all lie in the same boat
Everyone will have their own opinion,
Don't go for HDFC ERGO, their service is the worst. Blocked twice the amount of premium. Their support is pathetic.
Can someone testify that niva Bupa claim processing is not a pleasant experience compared to HDFC
Yes it is true
I have bought Niva
Should i cancel it
And buy something else
No niva is great
Ditto is pushing the hdfc only with the most highest premium and useless.
Why??
@GREEKWALLAH they have room rent problems with many hospitals. In thiruvananthapuram City, two major hospitals paused HDFC, and they were still on the HDFC network hospitals list. In those hospitals, we will get only reimbursement
@@paperdragon48 oh ok
My experience has been horrible with Niva Bupa
Could you please tell us more about
Coz ditto sells only these plans😅
There are much better companies and plans out there.
How can I change my insurer from NIVA BUPA TO HDFC ERGO
dont change
why niva bupa has so many complains.The worst insurance
You can get your plan ported. Reach out to us if you'd like our help- bit.ly/4787WoW
So you don't know your brother but you deeply know an uncle having no relation with you and regularly spit on your face. Seriously bro? I am a bengali but i do understand one language policy.
nothing was organised in this talk, just bunch of experiences with few key takeaways
bad editors...give us some good lookin info cards with the terms...not all of us knowing dis shit for livin
Please continue in English since there are too many subscribers from tamilnadu. We don't know Hindi single word.
Divided by Hindi Telugu, united by English😂😂 (I'm from Delhi)
Divided by native language, United by a colonial foreign language
@@SurinderKumar-xt8gcHindi came from outside
@@SurinderKumar-xt8gcdivided by language United by colonial app
@@DivakarRaj😂😂
HDFC is the best
HDFC ergo also raises lots of query and also repeatedly same query, their claim team also asks uneccessary questions and lot stupidity
Bring Aditya Birla
Zyada english ho gaya 😅
Bye
Nice initiative though
Disclaimer- Advertise video for HFDC ERGO
Please make a vedio for a Family of Senior Citizens husband and wife and children and family.At present took seperate for senior citizens and children.This case Senior Citizens value increasing even no claims ? At present we took Care Health but not happy with their Service
We hear you :) The video is in our pipeline. Stay tuned!
All 3 are junk pls go for psu life insurers