hello Mandeep, I am an NRI living in UAE with my family. I have health coverage here provided by my employer to me and my family. but the nature of the job is that I will be back in India in maybe 1 to 3 years. I am 33 yr old and don't have any health insurance for me or my family in India my current insurance covers overseas. so I am confused, should I take health insurance after I come to India or should I take it now.
I tried to buy frm this link last time. but that bazaar executive said abt one thing but he hided something...that i don't liked it... it was when u buy super top up, room rent is there...u can see that in small words
Great work LLA, however i believe the best solution is to have stringent laws and regulations for these insurance companies to abide by, so that they cant deny a genuine claim. They exploit the process by creating a lot of dark patterns making it difficult for the end user to understand easily.
Honestly I don't have any prblm if video is 1 hr long or 1.5 hr long I'll watch it with my full sincerity as it's highly important for me... Thanks lla and mandeep for bringing this videos with us.. ❤
Summary: 1. A 5L cover for kids and a 10L cover for adults is a safe amount in HI. And the premium in HI isn't fixed it increases with age or pre-existing disease. 2. There are two types of HI. Family floater and individual. In the family floater cover amount will be equally distributed so the amount will be lesser for each person. So we should increase the cover amount in case of family floater( in case of me we're 3 people so the total cover should be around 15L and chances of everyone getting hospitalised at a same time is very rare so if 2 are hospitalized each of them will have 7.5L of cover for that year and it'll get renewed next year and also the premium amount is lesser compared to the individual HI). Now the problem is in the family floater the whole premium will be dependent on the eldest person so the premium will be bigger than the usual. So the people with the same age group should be in the same HI so that we don't have to pay extra and we can open multiple HI for the same age group of people in the family. 3. Sub-Limits: Here there are limits in a particular disease. If the cover is 10L but there's 1L sub-limit for cancer, one can't get more than 1L from that HI for the treatment of cancer. So there shouldn't be any sub-limit in the HI. 4. Room-Rent Cap: RR cap is connected to the HI in the majority cases. The room rent cover is 1% of total cover (here 10,000/-). If the room rent is 12k per day then giving 10k will cover 83% of room rent and according to this also the medical bills will be covered 83% of the total amount. So if the bill is 7L its 83% i.e 5.8L will be covered and 1.2 will be gone from pocket. So the solution of this is we need to make sure it's a room rent cap free HI even though the premium is a bit higher. 5. Co-Pay: 20-30% copay is allotted in some HI policy. So in the 10L bill they give cover of 7L and 3L from the pocket which is absolute rubbish! We're giving premium to the company so that we can have lacs of rupees when we need it's not some co-operation we're doing with them. 6. Waiting Period: There's is waiting period after buying the HIP (about 30 days if doesn't have any pre-existing disease) so that if someone have to do operation for any disease and they need 10L and they buy a HIP and claim the cover in the next day of buying it. But accidents should not be under this waiting period cause these are unplanned. So we have to consider that accidents should not have any waiting period or less than 7 days waiting period. For pre-existing disease there's a waiting period of 3-4 years and for slow growing disease there's a waiting period of 2 years. 7. Restoration of Sum Assured: If the whole cover is claimed (10L) we don't have any money left for the remaining months of the year. There's a facility of restoration of sum assured where the whole amount will be restored for the remaining months. But there's a thing that it has limitations like it can be used once per year or it couldn't be used for the same disease. So here we just need to be aware of that limitation so that when the cover is claimed we should consider the remaining months and spend less for emergencies. 8. Zonal vs Pan India Policies: There are two types of HIP. Zonal and Pan India. In the village area medical charges are less so the premium is less and in the city it's the vice versa. But if someone has entered his address in the village to pay less premium and hospitalised in the city area then he has to pay 20% copay. So the safest way is to have Pan India policy and pay a fixed premium all over India. 9. Exclusions: We need to know from day 1 that which conditions don't undergo the policy. If one doesn't know the exclusions from the beginning the claim can be rejected without knowing the reason. 10. Unacceptable Rules: Some companies have rules like they have only cashless payment methods and the treatment has to be in some selected hospitals they're tied up with. But one should have the flexibility to have the treatment in any hospital of his choice. So we need to know if the policy is tied up with some limited hospitals or they'll pay regardless of the hospital. Now the thing is cashless and reimbursement. In a cashless claim HIP gives money directly while the treatment is going on and in Reimbursement the amount is given after the treatment is completed. But if the claim method is only cashless one won't have the flexibility to have the best treatment as he wishes due to medical bill limitations in cashless treatment and also hospitals will claim at least half of the treatment amount from you before the treatment. So one should have a policy where both cashless and reimbursement claims are available. 11. The HIP should be included with pre-hospitalisation and post hospitalisation charges cause one also needs a great amount of money before and after surgery. 12. The HIP should have day care treatment cover cause there's also cases where you have to take day care treatment instead of spending the night in hospital and the company should also cover the expenses here. 13. Bonus Sum Assured: This is a must have policy where if one doesn't claim the cover in one year the next year his cover will increase by about 50% of the cover (total 15L) and it can increase up to 2x to 3x if it is unclaimed for a few years. 14. Free Health Checkup: If it's also included in the HIP it's a good thing cause sometimes insurance companies reject the claim saying you had pre-existing disease. If the FHC is included you've the proof that you didn't have pre-existing disease. 15. The HIP should continue even after crossing 60 years of age. Some companies give cover for up to 60 age where we need them the most. So the HIP should have a cover up to life time. 16. Research about SUPER TOPUP before insurance purchase. Be merciful to my English. 😊
LLA is all about improving people's life, and directing it to a better way, just like our fathers used to guide us in childhood for our betterment, LLA is not just a TH-cam channel, its an emotion, pure respect for LLA. and mandeep nd rj sir❤❤❤
I never saw this much easy-to-understand Health Insurance video on TH-cam before. Thank You, Mandeep Bhaiya. Know more about the topics mentioned in the video like what is Rider, co-pay, premium, and many more about insurance on the Insurance Bhaiya website. Again big thanks to Mandeep bhaiya.
Btw one more point on reimbursement vs cashless. This has happened with me in the past let's say your policy term is 5L the hospital will give you an estimate from 3L-4L depending on the usage of the procedure. But when you opt for cashless they will directly go to the highest plan and not look for the plan you had asked for. This happens with me in Ahmedabad EpIc hospital where we selected a plan of 2L for my father in law's treatment but when we said it's cashless they took it to 3.5L and the only difference between 2L and 3.5 l plan is private room vs suit room and the procedure is day procedure still they took the highest plan
@@onestopsolution619 It depends on policy to policy. Some policies are having 1% & 2% for room & icu respectively. Some policies have a limit for private ac room & some policies don't have any limit for the room.
A couple of years ago LLA Mandeep had shared about porting policy from corporate to retail once we switch companies. I recalled his video, watched and initiated a migration from corporate to retail. I could successfully do it, however there are a few conditions like you should be employed in the same company for a certain tenure (in some case > 4 years) and corporate policies are tailor made, retail plans do not match exactly, some minuscule conditions aswell . Thanks a lot LLA, you are really making us Jagruk Janta.👍😎 wish to thank you in person.
Recently i had to go through hospitalization and with information about room rent cap & managing it accordingly, I was able to get FULL CLAIM! My whole family thank you for this wonderful information 🙏❤
My father has been working as an agent in the insurance sector for 2 decades, he sells life insurance and rarely sells health insurance. Upon asking why, he said- "Log bhale hi agent ko gaali dete hai, but uski di policy bure waqt me kaam aati hai, iske sath maajak nahi hona chaie. Health insurance bhot technical hai, mai nahi chahta ki koi meri policy ke sath bure waqt me fasa ho aur ye kaam nai aaye, islie jo apne risk pe leta hai uski ko mai health insurance bechta hoon" This video proves health insurance is really technical
It's such a simple solution.. govt shud give an option to citizens of India to contribute certain amount and in return govt shud cover it's citizens by providing a health cover
I have watched both the videos pertaining to health insurance. Thank you for all the knowledge from the bottom of my heart. You are a wealth of wisdom & I learn something new everytime I watch videos of yours which is and will help me in the long run.
Online Lena is bit risky, physical agent hona is better, aapne khud appke purane videos me bhi kaha hai, Aapki baat bilkul sahi hai the points you have mentioned are also very informative and thanks for that, lekin just to confirm that meine samne mere locality ke aas pass reputed hospitals me baat ki unhone sabne ek hi chiz boli, company aaj achi hai toh Kal gandi bi ho sakti hai, bs aapka agent bharose vala hona chahiye kyuki vahi aapke liye company se laddega, having a physical contact point is necessary.
I am a MBBS student in a private medical college, I observe in our hospital there is 2 different price for same test/ot cash patient and insurance patient. Generally it's always high for insurance patient .plz explain this.
@@drrouf-er2ft In a hospital doctor don't decide the price for the treatment , that is decided by hospital management.And 90% hospital is owned by politicians or businessman.
@@swarupdas6604The hospital is trying to overcharge the insured person knowing that the insurance company will try to underpay. They are both trying to profit and essentially scam each other which is why there is a higher bill for insured patients.
A big issue regarding health insurance for elderly parents are that there are very less option and all are super expensive and with a long waiting period, while corporate policies provide some ease for those individual but again leaving a job discontinues the policy. I'm one of those who has/is facing this same issue. Almost no insurance provider are providing any plan for my elderly parents and whatever super expensive plans are available they has 3 -4 year waiting period for the basic and the obvious old age disease.
Never think to profit from a health insurance of u believe that I will benefit from insurance policy by paying 10% of hospital bills as premium, They are just meant for reducing uncertainty and avoiding any emergency outflow issues. If your elder parents are already facing medical expenses the premium is definetly higher than ur expenses bcoz insurance is a ban and not a donation to the needy😂
According to me don’t buy policies for them, as at this age you might got 3-4 companies plans but there’s alot of co pays in it, so it better to open an RD, yes right recurring deposit account for monthly basis, for there future medical expenses
You've hit on some really frustrating points about senior citizen health insurance. High premiums and long waiting periods are a major concern. While finding the perfect solution can be tough, you do have some options: - Super Top-Up Plans: These offer higher coverage at lower premiums than many senior citizen-specific plans. You pay out of pocket up to a deductible, and the plan covers the rest. - Group Plans: Explore options through alumni associations or other groups you or your parents are part of. These can sometimes offer better rates. You can also consider comparing retail plans, in case some one suits your budget. Here are a few 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+) You can reach out on WhatsApp at 8931027062 to speak to an expert advisor. Alternatively, you can schedule a call at calendly.com/getsimple_health/30min?TH-cam
After watching your video on term insurance, I followed the steps on Policy Bazaar and got a call from an agent. He praised my knowledge about term insurance, which I learned from you. Thanks for making things easier. Also, I have a request. There aren't many resources out there about pet insurance. But these days, owning a pet often means facing big vet bills. It would be immensely helpful if you could create a video addressing pet insurance. While there may not be many options available, as pet parents, having insurance to assist with medical bills is crucial. If you could do that, it would be awesome! :)
Hi Mandeep, Many more congrats for the marriage. I have purchased health insurance by going through your all of the past video, I took Niva Bupa Reassure for my mother 2 years back, now renewal is coming, now Niva Bupa launched Reassure 2.0, in which they claimed premium will be fixed like term life insurance, it seems a very interesting feature, Can you make a comparison vdo of the best health insurance available at this time in market
Nd yes.. apka bolne ka trika bht achha hai. Proper es tarah se bol rahe ho k har kisi ko easily smjh aa jaye.. jaldi jaldi raita nahi fela rahe.. very gud way ..
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
*_Hey Mandeep can you tell what are the best plans available right now I researched but still confused about it and also can you tell me which one did you choose_*
Thank you Mandeep & Labour Law Advisor team for very insightful session If base health policy [5lakhs company provided policy, Liberty general insurance] and the super top-up policy [10lakhs , ,Supra super top up , Liberty general insurance retail policy purchased by me] are same insurance companies question 1) if hospital bill amount is 12 lakhs & i used 5lakhs cashless facility using base policy , for remaining amount 7lakhs , is cashless facility available on super top-up policy ? or do i need to go for reimbursement
Again you made me more knowledgeable in the area of Health Insurance. Absolute gem content from Mandeep sir 🫡 I ❤ the team of LLA who are continuously working on educating the people in different areas and help them to make financial decisions on their own. Keep making such informative content and a big Thanks to the LLA team. 😊
Your channel helped me immensely to understand all the finance things. Your are greatly serving to the society through your valuable videos. May you always be fit and fine
Regarding cashless and reimbursement, there is a higher chance of harrasment by Investigation Agent of Insurance company 😢 if you opt for reimbursement mode. I believe I saw a video from Pattu where he mentioned a case when his mother was hospitalized. Investigation agent treat everyone as fraud because there are highest number of fraud cases in Reimbursement mode. So if someone is taking reimbursement route, they should always go to network hospitals 🏥
Very nice video Mandeep. Health insurance surprises people in a very ridiculous manner. We need to be very careful at the time of reimbursement or any submission of documents with them. One point i wished people are aware is pre and post hospitalization cover. They are available in most of thr corporate policies. I am not sure of the retail policy. You can get a cover for medicines or diagnostic test in this period.
Great and so helpful video. I have a question my wife and me both have corporate medical insurance. Our companies cover immediate family members. If my wife gets sick and applies for medical claim in her corporate company and I also apply medical claim for her in my organisation will it get claimed?? Also will it be legal??
As per my knowledge, if there is sublimit or cover exhausted in one policy then you can claim the remaining amount from another policy, I did this once and was successful. However claiming same expenses through more than one policy seems fraud/illegal and might not be possible.
Tbh I am betting on government hospital over health insurance I live in mumbai my mamajis wife got heart vessel's issue private hospitals told 2lakh we go to KEM and got free surgery and I live there for two days and the hospital was clean well maintained. Even the docotor are top notch. The only problem was people are so dirty eating vimals and villager type people were there but not that much crowd was there so I will that experience gaves me hope to look up for top government hospitals and will always go there for every health issue.
What a timing dude! Was just watching your 40min health insurance video and your notification popped up I think i wouldn't be wanting to seek help of any middleman to get the health insurance for my father
Agent/Middlemen, if chosen right helps you with paperwork and everything. The reason you pay them commission is, they will do the job and ease the claim process, which is strucked or delayed by most companies.
Great video sir ji... This type of topics really helpful in current scenario, as companies making only profit in the name of insurance. They don't care about the feelings and conditions of the person at this crucial time.
Hi Mandeep, I have been following your videos from a long time, thanks for providing such great content. I have two quick questions for you related to this topic: 1. I had taken HDFC ERGO Optima Restore policy in 2021 Jan, the premium decided was around 11k, but last year they had increased the premium to 12.8k mentioning the general covid insurance they have provided country wide. This then means they can modify the premiums any time throughout I am continuing the policy? 2. I recently (this year) ported from HDFC ERGO Optima Restore to HDFC ERGO Optima Secure because of the benefits, but then my calculated premium came to 13.8k (the premium for the same policy was 13k on policy bazaar website) , with this I contacted their customer care and got the response that it depends on a lot of factors like your age and weight, however the proposal forms which I have filled are true and does not contain any medical issues which might increase the premium, also as per the customer care when I reach an age such as 30/35/40 the premium does increase like every 5 years? Is this true? Then the benefit of taking it early in our age doesn't help in that case?
Thanks for raising these questions! I have been doing my research to buy a Health Insurance myself and came across the same plans. Have these exact same questions. Would be great if Mandeep can answer this!
Bro in company term and condition company change primium when the claim ratio goes high . And you get some diffence in policy bazaar or agent policy because policy bazzar give 5% diccount i advice change policy if you have no ped
I asked this question to support and they said that it depends on the price at that year if you didn't take any claim. So go to the website and select age, any disease and check the premium, if it is less then contact the support and ask them to fix it or port to another insurance if possible.
Those plans would not have the option of locking the premium. For example- i work with niva bupa and we have a plan where premiums are locked until you make a claim.
Hii Mandip I have just bought HDFC Ergo Optima Super Secure with 20L sum insured for my parents after 1 month of search... Your previous video also helped me a lot... I trust you and I just want to know your verdict that I choose a good company or not... Please tell me Just yes or no it's a good policy or not... Because I still have time to cancel my policy in under 15 days...
Optima secure is a good plan that covers a lot of our (customer’s requirements). Just make sure you everything about your policy so as to avoid future surprises. Plan acha hai don’t worry
Sorry yh batane k leye Ki policy bazaar walle koi khass help nai krti Paper work k wakt . Mere ko abhi 10 days phle hi dikkat Hui thi . Koi help nai milli policy bazaar ki tarf say Or upper say 10 lakh ka madical leya tha ,vo bhi 2 year ka advance payment kra deya .or jb hospital m admit hua na hi koi agent help or uper say 1 lakh ka hospital bill bna cash less krva tha . 1 lakh pr bhi 25 thousand amount mere ko lang say cash amount deyna pdaa . Mere ko jo dikkat Hui thi .ager m usse normal hospital m karvata to 20 thousand hi Bill bnta . # reject policy bazaar
Hello Mandeep, I have a question. Lets assume, I have corporate policy and personal health insurance with aggregate deduction of 50000 with hdfc. Now, I chosen corporate one in cashless claim and rest of amount to be Reimbursement. So, do I have to pay 50000 to hdfc or is it considered as 50000 paid by corporate policy as in cashless. Kindly clarify. Thanks
If you have a corporate policy without any deductible, you can use it at the time of hospitalisation. It can be used to pay the first 50000 of your bill if the condition is covered.
Thank you LLA with every new video you guys nailed with your research. Always learn new information. I have one doubt that i have recently ported my hdfc ergo to Niva bupa via policy bazzar. Niva has taken only tele medical. Although i have disclosed that i have diagnosed with minor varicoceles in 2019 which found via tests and doctors have not suggested any specific medicine and its slight pain still there but right now no medication going on for the same but still they have not taken any physical medical So what should i do as they even issued the policy ??
i recently opted for hdfc ergo policy via policy bazaar and declared the pre existing hypertension for my spouse they charged loading premium and without medical test issued the policy. so I believe that for less risky profile they are not asking for medical tests to reduce their cost. May I know the reason to move away from hdfc ergo ?
After knowing all these hidden conditions, i feel like I should not even have any health insurance. Why should I pay the premium if I won't get a claim.
That's a serious question in country like India. Scam everywhere. You keep paying the premium for let's say 10 years and when the unfortunate days arrive when you need the policy, there is no guarantee that you will get the claim.
Your insights are highly valuable, sir. Regarding your mention of the 'Reimbursement is better than Cashless' perspective, where you highlighted that insurance companies often engage in backdoor agreements with hospitals, setting specific limits for diseases, I would greatly appreciate it if you could share any documented facts or written sources on this topic.
Even trollers don't have jobs and They all get paid for trolling 😂. यहां तक कि ट्रोलर्स के पास भी नौकरियां नहीं हैं और उन्हें ट्रोलिंग के लिए पैसे मिलते हैं😂.. ¥§¥§
Great effort and well delivered. Please continue to demistify the legalised GREY traps of the insurances and other instruments which are important for a common man 🙏
Guys you are doing great work , that 43 minutes video was so helpful , I literally forced my parents to watch the whole video so nobody will be able to scam them in the name of medical insurance !!
Your contents are truly amazing. I have learnt a lot and have taken different courses from your channel. It would be much helpful if you could make a video on the things to keep in mind for NRIs while taking health insurance and Term insurance. I request for a knowledge pack focusing on NRIs. Thank you!!!
Very good and informative videos. Can you please make a video around, how to document or share medical history. As we are always sharing our aadhar nowadays.
4:04 Continuity of Policy - Eligibility is to buy a new policy and not that policy will not be valid after 60 or 65 years of age. In most cases, policies come with lifetime renewals. There may be some older products with renewal limitation but those are now redundant.
Thanks a lot for such informative videos, Had my parents been educated by someone on health +Term insurance and avoided LIC, We would be far more wealthier than current we are. You have been creating a big change to my future wealth, thank you for your contributions ❤ Can you please also suggest policy planning for parents?
I like your videos on health insurance and have gone through them multiple times. Just yesterday got a health insurance. And today i see your new video. Anyways I wanted to let you know that wouldn't it be better if we can support you if you affiliate with Ditto. Atleast no spam calls unlike policy bazaar ! I am fed up with thier spam calls.even miss calls.
I have been following and watching all your videos. Amazing information provided in all videos. Great work. Can you also create a video on different types of riders in insurance policies. Especially Personal Accident Rders. These riders are so confusing and misleading that the customer is not able to claim in full.
Hi MM Mandeep, first of all many many thankful to LLA to have you with us. And would like to highlight here one issue with porting of HI plans...companies charged more as compare to fresh policy....if it's a portablity case.
Hi Mandeep, i really gain knowledge about insurance from your content and taken a family health insurance over my corporate insurance after watching your LONG video So one question which you raised here but i did not get clarity in this video is - if i take cashless benefit from one insurance and later try to claim the same from 2nd insurance, is this allowed if limits are not crossed
You've done so much of work and crisp clear. Appreciate your fantastic work. But I wish it was completely in English or with subtitles. I couldn't fully understand and feel confused.
3 year's premium dene ka baad mera Apolo Munich Health insurance ka ownership chala gaya HDFC Argo me. After 1 year HDFC argo mujhe bina bataye premium 2000 increase kar diya aur kehta h ki govt rules & regulation se hi unhone aisa kiya. Mene Policy stop kar dii and mera 5 years me 50000 chala gaya.
11:04 According to principle of contribution if we are having 2 policies of sum assured ₹5 lakh each and The companies are only liable to pay 2.5 lakh each
Namaskar Sir 🙏🏻, मैंने आपकी सभी health insurance वाले videos देखा है। उसमे आपने एक बार ही Navi Insurance के बारे में बताया था। मैंने वो लिए हुए 3 साल से ऊपर हो गए पर अभी उनके customer service वाले ठीक से बात नहीं करते अपने t&c के बारे में और क्या changement हुआ है उसके बारे में। Please give me any suggestions. Thank u for your valuable videos 🙏🏻
Money Minded Mandeep, congratulations for a new journey and thanks for everything that you are doing with full transparency........ Salute to all 🎉🎉🎉🎉🎉
Hi LLA, this is a best video about Health Insurance i have ever found on TH-cam, however it would be great if you could address my below query. Query: If I've two health insurances policies of 5 Lakhs each from two different insurance companies. my medical bill come up with 10 Lakhs and it's paid by cash then, can i get reimburse it from both insurances' companies?
Thank you very much for providing this information and organizing it for us. Your effort is greatly appreciated, and it has been immensely helpful. Regarding my query: Is it possible to have two group policies (parents and spouse are insured in both), from private health insurance? If so, am I eligible to claim benefits from both policies?
Even more detailed videos will work on such important topic. Please keep it up, 10sec. ke wahiyat shorts jinse kuch nhi milta bs timewaste hota hai wo nhi chahiye... informative videos chahiye❤
You're doing a great job, really appreciate your efforts! I wanted to know if dental surgeries are covered in any health insurance plans? In a city like Mumbai, dental surgeries in a good hospital can cost anywhere upto 50-60K.
Both are great options respectively, increasing in base policy can be costly against the topup premium, but again before opting for topup read all related documents carefully
The reimbursement method is very useful to get maximum claim amount. You are right insurance companies have a agreement with limit on charges they can bill. It's sad hospitals are going over that limit and charging inflated amounts which patient has to pay out of their pocket.
Both aren’t the same, there’s a capping under Niva bupa on modern treatment or robotics treatments upto 1.5 lacs, and in Tata AIG we didn’t have any kind of capping, no treatment wise or in room category
Get Health Insurance from PolicyBazaar: health.lla.in/
hello Mandeep, I am an NRI living in UAE with my family. I have health coverage here provided by my employer to me and my family. but the nature of the job is that I will be back in India in maybe 1 to 3 years. I am 33 yr old and don't have any health insurance for me or my family in India my current insurance covers overseas. so I am confused, should I take health insurance after I come to India or should I take it now.
please make a video on two wheeler and four wheeler insurance for new vehicle
I tried to buy frm this link last time.
but that bazaar executive said abt one thing but he hided something...that i don't liked it...
it was when u buy super top up, room rent is there...u can see that in small words
List nahi mil raha government approved ayush hospital ka..😢😢
👍
Great work LLA, however i believe the best solution is to have stringent laws and regulations for these insurance companies to abide by, so that they cant deny a genuine claim. They exploit the process by creating a lot of dark patterns making it difficult for the end user to understand easily.
Honestly I don't have any prblm if video is 1 hr long or 1.5 hr long I'll watch it with my full sincerity as it's highly important for me... Thanks lla and mandeep for bringing this videos with us.. ❤
LLA is always working for us.
We trust you LLA.
❤ FROM WEST BENGAL
Summary:
1. A 5L cover for kids and a 10L cover for adults is a safe amount in HI. And the premium in HI isn't fixed it increases with age or pre-existing disease.
2. There are two types of HI. Family floater and individual. In the family floater cover amount will be equally distributed so the amount will be lesser for each person. So we should increase the cover amount in case of family floater( in case of me we're 3 people so the total cover should be around 15L and chances of everyone getting hospitalised at a same time is very rare so if 2 are hospitalized each of them will have 7.5L of cover for that year and it'll get renewed next year and also the premium amount is lesser compared to the individual HI). Now the problem is in the family floater the whole premium will be dependent on the eldest person so the premium will be bigger than the usual. So the people with the same age group should be in the same HI so that we don't have to pay extra and we can open multiple HI for the same age group of people in the family.
3. Sub-Limits: Here there are limits in a particular disease. If the cover is 10L but there's 1L sub-limit for cancer, one can't get more than 1L from that HI for the treatment of cancer. So there shouldn't be any sub-limit in the HI.
4. Room-Rent Cap: RR cap is connected to the HI in the majority cases. The room rent cover is 1% of total cover (here 10,000/-). If the room rent is 12k per day then giving 10k will cover 83% of room rent and according to this also the medical bills will be covered 83% of the total amount. So if the bill is 7L its 83% i.e 5.8L will be covered and 1.2 will be gone from pocket. So the solution of this is we need to make sure it's a room rent cap free HI even though the premium is a bit higher.
5. Co-Pay: 20-30% copay is allotted in some HI policy. So in the 10L bill they give cover of 7L and 3L from the pocket which is absolute rubbish! We're giving premium to the company so that we can have lacs of rupees when we need it's not some co-operation we're doing with them.
6. Waiting Period: There's is waiting period after buying the HIP (about 30 days if doesn't have any pre-existing disease) so that if someone have to do operation for any disease and they need 10L and they buy a HIP and claim the cover in the next day of buying it. But accidents should not be under this waiting period cause these are unplanned. So we have to consider that accidents should not have any waiting period or less than 7 days waiting period. For pre-existing disease there's a waiting period of 3-4 years and for slow growing disease there's a waiting period of 2 years.
7. Restoration of Sum Assured: If the whole cover is claimed (10L) we don't have any money left for the remaining months of the year. There's a facility of restoration of sum assured where the whole amount will be restored for the remaining months. But there's a thing that it has limitations like it can be used once per year or it couldn't be used for the same disease. So here we just need to be aware of that limitation so that when the cover is claimed we should consider the remaining months and spend less for emergencies.
8. Zonal vs Pan India Policies: There are two types of HIP. Zonal and Pan India. In the village area medical charges are less so the premium is less and in the city it's the vice versa. But if someone has entered his address in the village to pay less premium and hospitalised in the city area then he has to pay 20% copay. So the safest way is to have Pan India policy and pay a fixed premium all over India.
9. Exclusions: We need to know from day 1 that which conditions don't undergo the policy. If one doesn't know the exclusions from the beginning the claim can be rejected without knowing the reason.
10. Unacceptable Rules: Some companies have rules like they have only cashless payment methods and the treatment has to be in some selected hospitals they're tied up with. But one should have the flexibility to have the treatment in any hospital of his choice. So we need to know if the policy is tied up with some limited hospitals or they'll pay regardless of the hospital.
Now the thing is cashless and reimbursement. In a cashless claim HIP gives money directly while the treatment is going on and in Reimbursement the amount is given after the treatment is completed. But if the claim method is only cashless one won't have the flexibility to have the best treatment as he wishes due to medical bill limitations in cashless treatment and also hospitals will claim at least half of the treatment amount from you before the treatment. So one should have a policy where both cashless and reimbursement claims are available.
11. The HIP should be included with pre-hospitalisation and post hospitalisation charges cause one also needs a great amount of money before and after surgery.
12. The HIP should have day care treatment cover cause there's also cases where you have to take day care treatment instead of spending the night in hospital and the company should also cover the expenses here.
13. Bonus Sum Assured: This is a must have policy where if one doesn't claim the cover in one year the next year his cover will increase by about 50% of the cover (total 15L) and it can increase up to 2x to 3x if it is unclaimed for a few years.
14. Free Health Checkup: If it's also included in the HIP it's a good thing cause sometimes insurance companies reject the claim saying you had pre-existing disease. If the FHC is included you've the proof that you didn't have pre-existing disease.
15. The HIP should continue even after crossing 60 years of age. Some companies give cover for up to 60 age where we need them the most. So the HIP should have a cover up to life time.
16. Research about SUPER TOPUP before insurance purchase.
Be merciful to my English. 😊
Your comment should be pinned👍.
@@Winnie-w2p just being a little helpful 😄
U are a good netizen, thanks!! Appreciate it
It's very helpful thank you so much and hats off to your efforts
Your comment is very helpful and also appreciate your efforts to type this useful (long) message
LLA is all about improving people's life, and directing it to a better way, just like our fathers used to guide us in childhood for our betterment, LLA is not just a TH-cam channel, its an emotion, pure respect for LLA. and mandeep nd rj sir❤❤❤
I never saw this much easy-to-understand Health Insurance video on TH-cam before. Thank You, Mandeep Bhaiya.
Know more about the topics mentioned in the video like what is Rider, co-pay, premium, and many more about insurance on the Insurance Bhaiya website.
Again big thanks to Mandeep bhaiya.
Btw one more point on reimbursement vs cashless. This has happened with me in the past let's say your policy term is 5L the hospital will give you an estimate from 3L-4L depending on the usage of the procedure. But when you opt for cashless they will directly go to the highest plan and not look for the plan you had asked for. This happens with me in Ahmedabad EpIc hospital where we selected a plan of 2L for my father in law's treatment but when we said it's cashless they took it to 3.5L and the only difference between 2L and 3.5 l plan is private room vs suit room and the procedure is day procedure still they took the highest plan
It depends on the room which you are selecting. According to room charges it may vary
Which co...any room rent cap
@@onestopsolution619 It depends on policy to policy. Some policies are having 1% & 2% for room & icu respectively. Some policies have a limit for private ac room & some policies don't have any limit for the room.
A couple of years ago LLA Mandeep had shared about porting policy from corporate to retail once we switch companies. I recalled his video, watched and initiated a migration from corporate to retail. I could successfully do it, however there are a few conditions like you should be employed in the same company for a certain tenure (in some case > 4 years) and corporate policies are tailor made, retail plans do not match exactly, some minuscule conditions aswell .
Thanks a lot LLA, you are really making us Jagruk Janta.👍😎 wish to thank you in person.
That 43 min video is a must! Super top up disclosure was eye opening, rather than buying top up
Recently i had to go through hospitalization and with information about room rent cap & managing it accordingly, I was able to get FULL CLAIM!
My whole family thank you for this wonderful information 🙏❤
Which policy
@@sayan9936 SBI general Insurance
Which policy bro
SBI GENERL
Good
Your life insurance guide was a big help. It saved my father from buying another one of those double scheme insurances. Thanks a lot for your efforts.
My father has been working as an agent in the insurance sector for 2 decades, he sells life insurance and rarely sells health insurance.
Upon asking why, he said- "Log bhale hi agent ko gaali dete hai, but uski di policy bure waqt me kaam aati hai, iske sath maajak nahi hona chaie.
Health insurance bhot technical hai, mai nahi chahta ki koi meri policy ke sath bure waqt me fasa ho aur ye kaam nai aaye, islie jo apne risk pe leta hai uski ko mai health insurance bechta hoon"
This video proves health insurance is really technical
Salute to your father!
It's such a simple solution.. govt shud give an option to citizens of India to contribute certain amount and in return govt shud cover it's citizens by providing a health cover
I have watched both the videos pertaining to health insurance. Thank you for all the knowledge from the bottom of my heart. You are a wealth of wisdom & I learn something new everytime I watch videos of yours which is and will help me in the long run.
Thank you Mandeep Sir for making update videos on health insurance and term insurance. It will help us a lot
Online Lena is bit risky, physical agent hona is better, aapne khud appke purane videos me bhi kaha hai, Aapki baat bilkul sahi hai the points you have mentioned are also very informative and thanks for that, lekin just to confirm that meine samne mere locality ke aas pass reputed hospitals me baat ki unhone sabne ek hi chiz boli, company aaj achi hai toh Kal gandi bi ho sakti hai, bs aapka agent bharose vala hona chahiye kyuki vahi aapke liye company se laddega, having a physical contact point is necessary.
How can we find a physical agent?
I am a MBBS student in a private medical college, I observe in our hospital there is 2 different price for same test/ot cash patient and insurance patient. Generally it's always high for insurance patient .plz explain this.
Cashless payment and doctor knows you're insured patient .
@@drrouf-er2ft In a hospital doctor don't decide the price for the treatment , that is decided by hospital management.And 90% hospital is owned by politicians or businessman.
Yes I r right. Doctor bhi isme shamil hote h@@swarupdas6604
Same situation in our Hospital also
@@swarupdas6604The hospital is trying to overcharge the insured person knowing that the insurance company will try to underpay. They are both trying to profit and essentially scam each other which is why there is a higher bill for insured patients.
You are not money minded Mandeep. You are society saviour Mandeep ❤ Huge Thanks Mandeep ❤
The work You guys are doing is just so pure of heart and benevolent ❤
You guys are the best. so honest! Keep up the good work.
I would love if the videos are even more detailed. this content it such a gem.
A big issue regarding health insurance for elderly parents are that there are very less option and all are super expensive and with a long waiting period, while corporate policies provide some ease for those individual but again leaving a job discontinues the policy. I'm one of those who has/is facing this same issue. Almost no insurance provider are providing any plan for my elderly parents and whatever super expensive plans are available they has 3 -4 year waiting period for the basic and the obvious old age disease.
Never think to profit from a health insurance of u believe that I will benefit from insurance policy by paying 10% of hospital bills as premium, They are just meant for reducing uncertainty and avoiding any emergency outflow issues. If your elder parents are already facing medical expenses the premium is definetly higher than ur expenses bcoz insurance is a ban and not a donation to the needy😂
According to me don’t buy policies for them, as at this age you might got 3-4 companies plans but there’s alot of co pays in it, so it better to open an RD, yes right recurring deposit account for monthly basis, for there future medical expenses
@@ucantcme2299but health insurance itself is a scam in india considering rejection rate 😂😂😂
You've hit on some really frustrating points about senior citizen health insurance. High premiums and long waiting periods are a major concern.
While finding the perfect solution can be tough, you do have some options:
- Super Top-Up Plans: These offer higher coverage at lower premiums than many senior citizen-specific plans. You pay out of pocket up to a deductible, and the plan covers the rest.
- Group Plans: Explore options through alumni associations or other groups you or your parents are part of. These can sometimes offer better rates.
You can also consider comparing retail plans, in case some one suits your budget. Here are a few 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+)
You can reach out on WhatsApp at 8931027062 to speak to an expert advisor. Alternatively, you can schedule a call at calendly.com/getsimple_health/30min?TH-cam
After watching your video on term insurance, I followed the steps on Policy Bazaar and got a call from an agent. He praised my knowledge about term insurance, which I learned from you. Thanks for making things easier.
Also, I have a request. There aren't many resources out there about pet insurance. But these days, owning a pet often means facing big vet bills. It would be immensely helpful if you could create a video addressing pet insurance. While there may not be many options available, as pet parents, having insurance to assist with medical bills is crucial. If you could do that, it would be awesome! :)
Hi Mandeep,
Many more congrats for the marriage. I have purchased health insurance by going through your all of the past video, I took Niva Bupa Reassure for my mother 2 years back, now renewal is coming, now Niva Bupa launched Reassure 2.0, in which they claimed premium will be fixed like term life insurance, it seems a very interesting feature, Can you make a comparison vdo of the best health insurance available at this time in market
It's fixed until you make a claim. And its add on not inbuilt feature.
Bro age kay karan primium increase nahi hota per company pichai sai price increase kar sakti hai
Really appreciate the level of effort and going into all the depths of the subject.
The problem of policy bazaar is that you get 100 calls within a week. Even if you block one number they will keep haunting you from other numbers.
Policy Bazar frequently call is so irritating
Chose Ditto
true. they called till the customer got erritate
Nd yes.. apka bolne ka trika bht achha hai. Proper es tarah se bol rahe ho k har kisi ko easily smjh aa jaye.. jaldi jaldi raita nahi fela rahe.. very gud way ..
Again the best ever Video by Mandeep Sir 🙏🙏
Thank you for the QNA answers Sir #LLA
You are just Awesome Mandeep. Great video as always.
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
Thanks for the Video👍👍👍 mei 2-3 bar 43 min wala video dekha.. Bohot help huya..
Kal mera surgery hai
Dua kro successfull ho jaye 😢
If you are an Indian supports team india against pakistan then yes
Very happy to get such an in detail video. Appreciate the time and effort put into this whole explanation,thank you❤
*_Hey Mandeep can you tell what are the best plans available right now I researched but still confused about it and also can you tell me which one did you choose_*
Thank you Mandeep & Labour Law Advisor team for very insightful session
If base health policy [5lakhs company provided policy, Liberty general insurance] and the super top-up policy [10lakhs , ,Supra super top up , Liberty general insurance retail policy purchased by me]
are same insurance companies
question 1) if hospital bill amount is 12 lakhs & i used 5lakhs cashless facility using base policy ,
for remaining amount 7lakhs , is cashless facility available on super top-up policy ? or do i need to go for reimbursement
Again you made me more knowledgeable in the area of Health Insurance. Absolute gem content from Mandeep sir 🫡
I ❤ the team of LLA who are continuously working on educating the people in different areas and help them to make financial decisions on their own.
Keep making such informative content and a big Thanks to the LLA team. 😊
Your channel helped me immensely to understand all the finance things. Your are greatly serving to the society through your valuable videos. May you always be fit and fine
Regarding cashless and reimbursement, there is a higher chance of harrasment by Investigation Agent of Insurance company 😢 if you opt for reimbursement mode. I believe I saw a video from Pattu where he mentioned a case when his mother was hospitalized. Investigation agent treat everyone as fraud because there are highest number of fraud cases in Reimbursement mode. So if someone is taking reimbursement route, they should always go to network hospitals 🏥
After watching 2 times, I made a checklist & then made my decision to take health insurance, thanks alot 🎉
Which health insurance you take?
Niva bupa reassure bronze
@@vipinyadav01reassure or reassure 2.0?
Very nice video Mandeep.
Health insurance surprises people in a very ridiculous manner. We need to be very careful at the time of reimbursement or any submission of documents with them.
One point i wished people are aware is pre and post hospitalization cover. They are available in most of thr corporate policies. I am not sure of the retail policy.
You can get a cover for medicines or diagnostic test in this period.
They are available in most of the retail policies as well but Star health has limit over that as well. This also should be checked while buying
Hey Mandeep bhaiya, a big thank you and trust me I really admire your work. Someday I will work with you.
Thank you for covering hidden things.
Great and so helpful video.
I have a question my wife and me both have corporate medical insurance. Our companies cover immediate family members. If my wife gets sick and applies for medical claim in her corporate company and I also apply medical claim for her in my organisation will it get claimed?? Also will it be legal??
As per my knowledge, if there is sublimit or cover exhausted in one policy then you can claim the remaining amount from another policy, I did this once and was successful. However claiming same expenses through more than one policy seems fraud/illegal and might not be possible.
Are you trying to earn money via insurance?
Thanks LLA. Bought my insurance from using LLA affiliate link only.
Tbh I am betting on government hospital over health insurance I live in mumbai my mamajis wife got heart vessel's issue private hospitals told 2lakh we go to KEM and got free surgery and I live there for two days and the hospital was clean well maintained. Even the docotor are top notch. The only problem was people are so dirty eating vimals and villager type people were there but not that much crowd was there so I will that experience gaves me hope to look up for top government hospitals and will always go there for every health issue.
Thank you so much for this informative video LLA. Love you guys
What a timing dude! Was just watching your 40min health insurance video and your notification popped up
I think i wouldn't be wanting to seek help of any middleman to get the health insurance for my father
Agent/Middlemen, if chosen right helps you with paperwork and everything. The reason you pay them commission is, they will do the job and ease the claim process, which is strucked or delayed by most companies.
Very useful information thanks a lot sir
Great video sir ji... This type of topics really helpful in current scenario, as companies making only profit in the name of insurance. They don't care about the feelings and conditions of the person at this crucial time.
Hi Mandeep,
I have been following your videos from a long time, thanks for providing such great content. I have two quick questions for you related to this topic:
1. I had taken HDFC ERGO Optima Restore policy in 2021 Jan, the premium decided was around 11k, but last year they had increased the premium to 12.8k mentioning the general covid insurance they have provided country wide. This then means they can modify the premiums any time throughout I am continuing the policy?
2. I recently (this year) ported from HDFC ERGO Optima Restore to HDFC ERGO Optima Secure because of the benefits, but then my calculated premium came to 13.8k (the premium for the same policy was 13k on policy bazaar website) , with this I contacted their customer care and got the response that it depends on a lot of factors like your age and weight, however the proposal forms which I have filled are true and does not contain any medical issues which might increase the premium, also as per the customer care when I reach an age such as 30/35/40 the premium does increase like every 5 years? Is this true? Then the benefit of taking it early in our age doesn't help in that case?
Thanks for raising these questions! I have been doing my research to buy a Health Insurance myself and came across the same plans. Have these exact same questions. Would be great if Mandeep can answer this!
HDFC Ergo is an already expensive insurance company and also in an optima secure plan they increase premium every year not every 5 years.
Bro in company term and condition company change primium when the claim ratio goes high . And you get some diffence in policy bazaar or agent policy because policy bazzar give 5% diccount i advice change policy if you have no ped
I asked this question to support and they said that it depends on the price at that year if you didn't take any claim.
So go to the website and select age, any disease and check the premium, if it is less then contact the support and ask them to fix it or port to another insurance if possible.
Those plans would not have the option of locking the premium. For example- i work with niva bupa and we have a plan where premiums are locked until you make a claim.
Great work, you explain very well.
ALSO, always do Call-Recording for all calls with Policy Agents. MUST.
Watched your previous video on the same topic and was completely hooked. Very informative. Thank you for simplifying for a complete newbie like me!
Hii Mandip I have just bought HDFC Ergo Optima Super Secure with 20L sum insured for my parents after 1 month of search...
Your previous video also helped me a lot... I trust you and I just want to know your verdict that I choose a good company or not...
Please tell me Just yes or no it's a good policy or not... Because I still have time to cancel my policy in under 15 days...
Tata AIG Medicare Premier
How much is the premium, I am also looking to buy one for my parents
@@rankstark4243 1L approx for 3 years... Premium totally depends on the age of person and pre-existing disease...
@@sankettt how?
Optima secure is a good plan that covers a lot of our (customer’s requirements). Just make sure you everything about your policy so as to avoid future surprises. Plan acha hai don’t worry
Thank you LLA team for this informative content.
Sorry yh batane k leye
Ki policy bazaar walle koi khass help nai krti Paper work k wakt . Mere ko abhi 10 days phle hi dikkat Hui thi . Koi help nai milli policy bazaar ki tarf say
Or upper say 10 lakh ka madical leya tha ,vo bhi 2 year ka advance payment kra deya .or jb hospital m admit hua na hi koi agent help or uper say 1 lakh ka hospital bill bna cash less krva tha . 1 lakh pr bhi 25 thousand amount mere ko lang say cash amount deyna pdaa .
Mere ko jo dikkat Hui thi .ager m usse normal hospital m karvata to 20 thousand hi Bill bnta .
# reject policy bazaar
Great job, you really like the country.We are proud of you for this type of work.
Much needed topics for better life decisions to cover your families.. thanks a ton for your continuous efforts.
Hello Mandeep, I have a question. Lets assume, I have corporate policy and personal health insurance with aggregate deduction of 50000 with hdfc. Now, I chosen corporate one in cashless claim and rest of amount to be Reimbursement. So, do I have to pay 50000 to hdfc or is it considered as 50000 paid by corporate policy as in cashless. Kindly clarify. Thanks
Yes you’re have to pay deductible amount to HDFC, as under corporate policy there are hardly any co pay or deductions, depending on T&C
If you have a corporate policy without any deductible, you can use it at the time of hospitalisation. It can be used to pay the first 50000 of your bill if the condition is covered.
Thank you LLA with every new video you guys nailed with your research. Always learn new information. I have one doubt that i have recently ported my hdfc ergo to Niva bupa via policy bazzar. Niva has taken only tele medical. Although i have disclosed that i have diagnosed with minor varicoceles in 2019 which found via tests and doctors have not suggested any specific medicine and its slight pain still there but right now no medication going on for the same but still they have not taken any physical medical So what should i do as they even issued the policy ??
i recently opted for hdfc ergo policy via policy bazaar and declared the pre existing hypertension for my spouse they charged loading premium and without medical test issued the policy. so I believe that for less risky profile they are not asking for medical tests to reduce their cost.
May I know the reason to move away from hdfc ergo ?
After knowing all these hidden conditions, i feel like I should not even have any health insurance. Why should I pay the premium if I won't get a claim.
You will get a claim only if you are completely honest.
That's a serious question in country like India. Scam everywhere. You keep paying the premium for let's say 10 years and when the unfortunate days arrive when you need the policy, there is no guarantee that you will get the claim.
Your insights are highly valuable, sir. Regarding your mention of the 'Reimbursement is better than Cashless' perspective, where you highlighted that insurance companies often engage in backdoor agreements with hospitals, setting specific limits for diseases, I would greatly appreciate it if you could share any documented facts or written sources on this topic.
Even trollers don't have jobs and They all get paid for trolling 😂.
यहां तक कि ट्रोलर्स के पास भी नौकरियां नहीं हैं और उन्हें ट्रोलिंग के लिए पैसे मिलते हैं😂.. ¥§¥§
It was really helpful, i appreciate your hard work and dedication money minded Mandeep
Muje health insurance karana hai lekin jisme muje mere parents ke saath meri sister ko bhi cover karna par usme option nahi sister ke cover ka
Don't buy family plans with different ages. Check the previous video.
Great effort and well delivered. Please continue to demistify the legalised GREY traps of the insurances and other instruments which are important for a common man 🙏
Guys you are doing great work , that 43 minutes video was so helpful , I literally forced my parents to watch the whole video so nobody will be able to scam them in the name of medical insurance !!
Your contents are truly amazing. I have learnt a lot and have taken different courses from your channel. It would be much helpful if you could make a video on the things to keep in mind for NRIs while taking health insurance and Term insurance. I request for a knowledge pack focusing on NRIs.
Thank you!!!
Well covered and still not a long video, always admire the well edited video💯
Very good and informative videos. Can you please make a video around, how to document or share medical history. As we are always sharing our aadhar nowadays.
4:04 Continuity of Policy - Eligibility is to buy a new policy and not that policy will not be valid after 60 or 65 years of age. In most cases, policies come with lifetime renewals. There may be some older products with renewal limitation but those are now redundant.
Thanks a lot for such informative videos, Had my parents been educated by someone on health +Term insurance and avoided LIC, We would be far more wealthier than current we are. You have been creating a big change to my future wealth, thank you for your contributions ❤ Can you please also suggest policy planning for parents?
Great , Mondeep ji…this is helpful topic …..we hope another one informational video in health insurance topic,which not covered yet ❤
I like your videos on health insurance and have gone through them multiple times. Just yesterday got a health insurance. And today i see your new video. Anyways I wanted to let you know that wouldn't it be better if we can support you if you affiliate with Ditto. Atleast no spam calls unlike policy bazaar ! I am fed up with thier spam calls.even miss calls.
Aapne kaun sa liya jara btaynege please aap.. Link paste kr dijiye mujhe parents k liye lena hai
@@namanverm4426 Star health le lo
Y'all are doing a fabulous job. Glad such videos exist
I have been following and watching all your videos. Amazing information provided in all videos. Great work. Can you also create a video on different types of riders in insurance policies. Especially Personal Accident Rders. These riders are so confusing and misleading that the customer is not able to claim in full.
Hi MM Mandeep, first of all many many thankful to LLA to have you with us.
And would like to highlight here one issue with porting of HI plans...companies charged more as compare to fresh policy....if it's a portablity case.
Thanks Mandeep for a very informative video.
Amazing bro 👏👏
Hi Mandeep, i really gain knowledge about insurance from your content and taken a family health insurance over my corporate insurance after watching your LONG video
So one question which you raised here but i did not get clarity in this video is - if i take cashless benefit from one insurance and later try to claim the same from 2nd insurance, is this allowed if limits are not crossed
Which health insurance you took?
1:36 I like long video support you
You've done so much of work and crisp clear. Appreciate your fantastic work. But I wish it was completely in English or with subtitles. I couldn't fully understand and feel confused.
3 year's premium dene ka baad mera Apolo Munich Health insurance ka ownership chala gaya HDFC Argo me. After 1 year HDFC argo mujhe bina bataye premium 2000 increase kar diya aur kehta h ki govt rules & regulation se hi unhone aisa kiya. Mene Policy stop kar dii and mera 5 years me 50000 chala gaya.
11:04 According to principle of contribution if we are having 2 policies of sum assured ₹5 lakh each and The companies are only liable to pay 2.5 lakh each
Namaskar Sir 🙏🏻, मैंने आपकी सभी health insurance वाले videos देखा है। उसमे आपने एक बार ही Navi Insurance के बारे में बताया था। मैंने वो लिए हुए 3 साल से ऊपर हो गए पर अभी उनके customer service वाले ठीक से बात नहीं करते अपने t&c के बारे में और क्या changement हुआ है उसके बारे में। Please give me any suggestions. Thank u for your valuable videos 🙏🏻
Money Minded Mandeep, congratulations for a new journey and thanks for everything that you are doing with full transparency........
Salute to all 🎉🎉🎉🎉🎉
He is best advisor.... hat's off MMM.....😊
Hi LLA, this is a best video about Health Insurance i have ever found on TH-cam, however it would be great if you could address my below query. Query: If I've two health insurances policies of 5 Lakhs each from two different insurance companies. my medical bill come up with 10 Lakhs and it's paid by cash then, can i get reimburse it from both insurances' companies?
I have recently bought Niva Bupa gold + recently 10 lakh. second best in my list.
Thank you very much for providing this information and organizing it for us. Your effort is greatly appreciated, and it has been immensely helpful. Regarding my query: Is it possible to have two group policies (parents and spouse are insured in both), from private health insurance? If so, am I eligible to claim benefits from both policies?
Great work as always...
Superb explanation 🎉🎉
Even more detailed videos will work on such important topic. Please keep it up, 10sec. ke wahiyat shorts jinse kuch nhi milta bs timewaste hota hai wo nhi chahiye... informative videos chahiye❤
You're doing a great job, really appreciate your efforts!
I wanted to know if dental surgeries are covered in any health insurance plans? In a city like Mumbai, dental surgeries in a good hospital can cost anywhere upto 50-60K.
Thanks Lla & Mandeep bhai where i check my health policy is write which i take in 2017 of hdfc specially 60yr renewal time
LLA is life-changing ❤
Thank you so much Mandeep 🙏🏻.
I have a question, what is better:
Topup or increase base plan?
Both are great options respectively, increasing in base policy can be costly against the topup premium, but again before opting for topup read all related documents carefully
After seen all this comment, A explanation video may be needed for our audience to clarify the doubts
Bro keep the good work going. I like your videos. To the point and very detailed.
The reimbursement method is very useful to get maximum claim amount. You are right insurance companies have a agreement with limit on charges they can bill. It's sad hospitals are going over that limit and charging inflated amounts which patient has to pay out of their pocket.
Much needed video, I am confused between Tata AIG and Niva Bupa, age 60 and age 34..... individual plans
Both are the same...you can go with Niva Bupa..
Premium will be less
@@akashagarwal6914 which is better in terms of having no sub-limit for disease, no co-payment as well as no deductible? Any suggestion?
Both aren’t the same, there’s a capping under Niva bupa on modern treatment or robotics treatments upto 1.5 lacs, and in Tata AIG we didn’t have any kind of capping, no treatment wise or in room category