Dear friends, It takes immense efforts to make videos with quality content which can actually help you in understanding the health insurance policy. By subscribing the channel and liking the video you can return favour to me if you really think I have helped you in some way. Thanks for stopping by and watching this video. Each of your view is valuable and motivates me to create more such videos. 🙏🏼
@@garimasingh2506 if one opts for 25% deductible then one gets 25% discount during policy purchase and one has to bear same level during claim payment. if a claim of 1 lakh one has to bear 25k from his/her pocket. he/she has to pay to hospital at the time of discharge.
Yes, what you said is correct and fairly presented👍🏼.. Live healthy benifit is available for upto 30%. good presentation and regret my previous error. Thanks 👍🏼
Thanks. I don’t work for commission. This will be the last thing I will do. All views expressed are honest unbiased and objective. Thanks for recognising the efforts.
Great comparison. However one correction. In Last slide it is said that if you pay 25% of sum assured discount is given which is not correct. It is like if you opt for aggregate deductible you have to pay 25000 once in policy year then 25% discount in annual premium is given. For 40% premium discount it is 50000 and 1L for 50% discount. This is aggregate deductible in Optima Secure. In Niva Bupa restore is unlimited time in a year while in Optima it is once in a year equal to sum assured.
Please check at 6:35 minutes. I have mentioned the same. There is no contradiction in what you are saying and what has been said in video. Please let me know if there is some conflict.
Yes, you have mentioned it and was a error on my part. Also important is to know that if 2 or 3 or whoever is there in the floater for reAssure and all were to be admitted together would be treated as a subsequent claim and made good for each and everyone of them equal to sum insured
Hi, thanks for watching the video. you can follow me on Twitter and ask any question related to health insurance. My Twitter handle is @gameofinsurance
Bro, which one to take. Both are same. Which has better claim approval process and will approve if everything is fine. Its just that SI i will get more in max bupa at same premium while in hdfc it willl be multiplier benefit. But in terms of service which is good..Or any other latest policy?
Sir ji, critical plan, we should buy along with health insurance policy/ IPA policy as Rider or seperately new critical policy ? Why ? What is the difference
If you have term insurance then buy critical insurance plan along with term insurance because premium remain fixed in that case. In case of health insurance it gets revised year on year due to inflation or increasing age.
Please make a vlog on cashless hospital treatment in real if you want to make your video viral or ur channel something real. No one has made this many TH-cam channel videos are by companies agent or advisor they don't care customer who takes policies by watching there videos but in emergency they feel stupid as they are fooled by them. One advisor is Gurleen Kaur who are making many videos for her greed .
three corrections: 1) Coverage of modern treatments is mandatory after 1st oct 2020. 2) Payment of Non payables items is an inbuilt feature in Optima Secure Policy where as it is an add on in Reassure policy 3) Air ambulance is covered up to SI in case of cashless in reassure policy
For the first point please show me policy document where it is written. Share the link of document where it is Written. I will remove the video. Rest points I will check and confirm.
Why challange bro Aapane kaha policy me likha nahi hey modern treatment ke bare me ,mene to sirf aapako bataya hai modern treatment cover hota hai Isame challange ki kya baat hai bhai
@@kailaspisal bro insurance company sometime not honour claims on the terms what is explicitly written in policy document. And you are claiming what is not written in policy. I am simply saying that modern treatment coverage is not written in policy document, for me if it is not available in policy document it is not covered. Now if what is not written is still covered by HDFC then it is great. But that generosity is not expected in insurance field. If I am incorrect I am ready to delete this video for the misinformation.
Dear friends,
It takes immense efforts to make videos with quality content which can actually help you in understanding the health insurance policy. By subscribing the channel and liking the video you can return favour to me if you really think I have helped you in some way. Thanks for stopping by and watching this video. Each of your view is valuable and motivates me to create more such videos. 🙏🏼
@@garimasingh2506 if one opts for 25% deductible then one gets 25% discount during policy purchase and one has to bear same level during claim payment. if a claim of 1 lakh one has to bear 25k from his/her pocket. he/she has to pay to hospital at the time of discharge.
Yes, what you said is correct and fairly presented👍🏼..
Live healthy benifit is available for upto 30%.
good presentation and regret my previous error. Thanks 👍🏼
@@shishirdeshpande59 thanks sir.
Excellent work. Without any greed for commission by insurance company
Thanks. I don’t work for commission. This will be the last thing I will do. All views expressed are honest unbiased and objective. Thanks for recognising the efforts.
Hdfc ergo optima secure me modern treatment covered hy.
Great comparison. However one correction. In Last slide it is said that if you pay 25% of sum assured discount is given which is not correct. It is like if you opt for aggregate deductible you have to pay 25000 once in policy year then 25% discount in annual premium is given. For 40% premium discount it is 50000 and 1L for 50% discount. This is aggregate deductible in Optima Secure. In Niva Bupa restore is unlimited time in a year while in Optima it is once in a year equal to sum assured.
Will check. Thank you 🙏🏼
Very good presentation as compared to other videos available in TH-cam.
Please do video on comparison of Niva bupa Reassure 2.0 vs HDFC ERGO OPTIMA SECURE
Sir which health insurance policy is better?
Niva Bupa.. want to know more ??let me know
HDFC ERGO Optima Secure
HDFC charges high premium than any other is it because of its brand? can we go with niva bupa by excluding this only difference
Pls watch for more clarity and take your decision rationally
Best Health Insurance Company in India
th-cam.com/video/DgNH8BClS9w/w-d-xo.html
Please mention premium for 5lacs coverage of both policy
Bro there are too many optional covers. You can compare premium on official website of HDFC ergo
Incorrect information, ReAssure has unlimited refill, please check your facts
Please check at 6:35 minutes. I have mentioned the same. There is no contradiction in what you are saying and what has been said in video. Please let me know if there is some conflict.
Yes, you have mentioned it and was a error on my part. Also important is to know that if 2 or 3 or whoever is there in the floater for reAssure and all were to be admitted together would be treated as a subsequent claim and made good for each and everyone of them equal to sum insured
Bro tell me which is better at the time of claim. A lot of negative comments for Reassure
HDFC more liberal in claim payment
@@gameofinsurance The patient is diabetic can we go ahead with Hdfc ergo optima secure?
@@adityasinghkalhans declare this to them. They may accept it after some loading in premium.
Bro, I am already have hdfc ..so can I move to niva bupa on renewal in next month..???
Yes you have to approach niva bupa, it is their prerogative to allow the poring or not
thanks sir,It is very informative.
Hi, thanks for watching the video. you can follow me on Twitter and ask any question related to health insurance.
My Twitter handle is @gameofinsurance
Bro, which one to take. Both are same. Which has better claim approval process and will approve if everything is fine. Its just that SI i will get more in max bupa at same premium while in hdfc it willl be multiplier benefit. But in terms of service which is good..Or any other latest policy?
Niva bupa.is best in service as of now..to know more reply me
@@theepic1 can you please explain more
Secure benefit is also available for niva bupa. Please provide accurate information.
Please watch complete video.
One thing want to correct, it's 25000 not 2.5 lakh for 25% discount
Ok thanks.
Impressive!!
Thanks bro
Great video
Good information with comparison
Sir ji, critical plan, we should buy along with health insurance policy/ IPA policy as Rider or seperately new critical policy ? Why ? What is the difference
If you have term insurance then buy critical insurance plan along with term insurance because premium remain fixed in that case. In case of health insurance it gets revised year on year due to inflation or increasing age.
Very good bhai
Please make a vlog on cashless hospital treatment in real if you want to make your video viral or ur channel something real. No one has made this many TH-cam channel videos are by companies agent or advisor they don't care customer who takes policies by watching there videos but in emergency they feel stupid as they are fooled by them. One advisor is Gurleen Kaur who are making many videos for her greed .
What made you think gurleen kaur is not genuine.
Premium ka bhi kuch bata dete sir to
Like
ex husband dob 30-06-1991
Wife 15-10-1993
Premium???
Kaun si policy ?
Dono polices me premium me 1000-2000 ka difference hoga. But vo policy chose karo jo aapke liye suitable h
Really helpful 👍👍
Vadia laga
You are giving TOTAL WRONG INFORMATION regarding Unlimited Refill of NivaBupa's Reassure
Watch compete video.
three corrections:
1) Coverage of modern treatments is mandatory after 1st oct 2020.
2) Payment of Non payables items is an inbuilt feature in Optima Secure Policy where as it is an add on in Reassure policy
3) Air ambulance is covered up to SI in case of cashless in reassure policy
For the first point please show me policy document where it is written. Share the link of document where it is Written. I will remove the video.
Rest points I will check and confirm.
@@gameofinsurance www.irdai.gov.in/admincms/cms/whatsNew_Layout.aspx?page=PageNo3916&flag=1
@@gameofinsurance video remove nahi kari h aapne abhi tak ?
@@sukhjinder143 I have already shared above ..... Chapter V
@@prateekmaheshwari5374 share the link
Hi
Dear sir.
Agar product ke bare me full information na ho to Galt videos mat banao
Dear sir,
I am not offended by your comment. Better you point out the mistake.
1 lac capping on all robotic surgery in niva Bupa reassure
All modern treatment covered in hdfc ergo optima secure policy without any capping
So me one word on modern treatment in hdfc policy. I challenge you.
Why challange bro
Aapane kaha policy me likha nahi hey modern treatment ke bare me ,mene to sirf aapako bataya hai modern treatment cover hota hai
Isame challange ki kya baat hai bhai
@@kailaspisal I am asking you to show any word regarding modern treatment in policy document.
@@kailaspisal bro insurance company sometime not honour claims on the terms what is explicitly written in policy document. And you are claiming what is not written in policy. I am simply saying that modern treatment coverage is not written in policy document, for me if it is not available in policy document it is not covered. Now if what is not written is still covered by HDFC then it is great. But that generosity is not expected in insurance field.
If I am incorrect I am ready to delete this video for the misinformation.
Not written anywhere
Incorrect information 👎👎
Watch whole video and point out what is incorrect.
Why you people trying to make people idiots??? Point no 3 you have discussed was totally wrong and biased...
Why you feel so offended. Have I charged any money form you. There is a civilised way of behaving. First learn that and then comment.
And please let me know what you are taking I will explain. Which point you are taking