You mentioned that optima secure is almost 50% more expensive. But as it gives 2x coverage from day 1 so doesn't it makes sense to compare HDFC 5 lacs policy with ICICI 10 lacs policy?
No, it doesn't. In Insurance industry, there's only one truth, the contract amount i.e sum insured. Once you think beyond the facade of gimmicky features, you'll realise why HDFC is directly not giving 2X sum insured.
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?
My mom has ibd disease and none of the companies are taking risks to issue insurance to her. What would be your recommendations. Is there are any other options so that she could be able to get health insurance
@dittoinsurance Do you have any future plan or timeline when you will partner with ICICI Lombard Health Insurance as their Elevate plan is quite attractive ?
Hi bro,..one question - Care Supreme, Nuva bupa, Manipal Cigna or Aditya Birla... for hassle free claims... thanks...I am porting from hdfc since they have shoot up premium huge and optima is too costly and increases premium yearly although we are the slab of 5 yrs... however hdfc claim process is appreciated...
Please rethink... Definitely premium amount is an angle to think but so does hastle free claim process.. as that attimes maybe some close family member needs the do the process when primary person isn't well
Sir if i have a high sum insured plan like 1 crore Can we opt for proton therapy for cancer treatment in these plans or should i take a specific cancer plan like tata aig criti mediclaim
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.
please make video on Health insurance porting. My mom is 52 years old having Niva bupa Re-Assure health plan (5L cover) with 3 years and 7 months completed and no claim is made till now, and another 5L company provided insurance, is it good to switch HDFC Ergo or migrate to ReAssure 2.0 ?
Hi there, we have already made a video on Policy Porting. Please watch it here - th-cam.com/video/IzfTm-163pE/w-d-xo.html In case you need help with your case, please consult with us by booking a FREE call with this link - ditto.sh/nlffvc
My mother had a surgery (cesarian) 20 years back. Do I have to tell to insurance company if want to buy a policy. Because I took a policy 1 year back I didn't declare it. Please answer this question. Thank you
please compare - HDFC ERGO Optima Secure vs Adithya Birla Active One Max
Sure! We shall cover that in the next week :)
Please elaborate unlimited restoration for Modern treatments is valid in these plans or is there a limit on 12 modern treatments as mandated by IRDAI
Thanks for making this video. Its so helpful!
You mentioned that optima secure is almost 50% more expensive. But as it gives 2x coverage from day 1 so doesn't it makes sense to compare HDFC 5 lacs policy with ICICI 10 lacs policy?
Good point! Thanks for bringing this to our notice.
No, it doesn't. In Insurance industry, there's only one truth, the contract amount i.e sum insured. Once you think beyond the facade of gimmicky features, you'll realise why HDFC is directly not giving 2X sum insured.
@@DrAkashraj Yes, this seems like a valid point
Consider only Some insured... Other than that 2X 3X 4X are addition feature which the company drop any time....
Ditto should partner with Icici. It has good reputation with big hospitals.
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
Really insightful and unbiased, great job!
Glad it was helpful!! Thanks!
Very Informative ! .
Very knowledgeable expert
very insightful
very well presented
My mom has ibd disease and none of the companies are taking risks to issue insurance to her. What would be your recommendations. Is there are any other options so that she could be able to get health insurance
Does Ditto offer ICICI Lombard Health Insurance like ICICI Elevate ?
We aren’t currently partnered with ICICI Lombard (Health Insurance)
@dittoinsurance Do you have any future plan or timeline when you will partner with ICICI Lombard Health Insurance as their Elevate plan is quite attractive ?
Informative,thank you so much🎉
Glad it was helpful!
Hi bro,..one question - Care Supreme, Nuva bupa, Manipal Cigna or Aditya Birla... for hassle free claims... thanks...I am porting from hdfc since they have shoot up premium huge and optima is too costly and increases premium yearly although we are the slab of 5 yrs... however hdfc claim process is appreciated...
Please rethink... Definitely premium amount is an angle to think but so does hastle free claim process.. as that attimes maybe some close family member needs the do the process when primary person isn't well
Sir if i have a high sum insured plan like 1 crore
Can we opt for proton therapy for cancer treatment in these plans or should i take a specific cancer plan like tata aig criti mediclaim
Pls do a vedio on hdfc ergo secure vs aditya birla active one
Sure! We shall cover that in the next week :)
please do compare HDFC ERGO Optima Secure vs Adithya Birla Active One Max
Hi Vinod,
The video is releasing this Sunday. Please stay tuned and subscribe if you haven't already!
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.
On September you have promised me that we will make a video of Bajaj Allianz but still you have not made it please make it
Sure - we shall cover this soon :)
please make video on Health insurance porting. My mom is 52 years old having Niva bupa Re-Assure health plan (5L cover) with 3 years and 7 months completed and no claim is made till now, and another 5L company provided insurance, is it good to switch HDFC Ergo or migrate to ReAssure 2.0 ?
Hi there, we have already made a video on Policy Porting. Please watch it here - th-cam.com/video/IzfTm-163pE/w-d-xo.html
In case you need help with your case, please consult with us by booking a FREE call with this link - ditto.sh/nlffvc
My mother had a surgery (cesarian) 20 years back. Do I have to tell to insurance company if want to buy a policy. Because I took a policy 1 year back I didn't declare it. Please answer this question. Thank you
Surgery related to child birth can be ignored but for your peace of mind, you can write an email to the insurer and record it.
HDFC premium too high than other company