HEALTH INSURANCE - How to choose the Best Health insurance/Mediclaim Policy
ฝัง
- เผยแพร่เมื่อ 15 ก.ย. 2024
- Buying a health Insurance plan can be extremely confusing. There are various types of policies and riders available. This video will tell you everything you need to know about health insurance and will help you choose the right medical plan for you and your family.
Best Life Insurance Video -
• जीवन बीमा | Best life ...
.....................................................................................................................................................................
➡️ Open your Demat Account - zerodha.com/op...
.....................................................................................................................................................................
Get advice on insurance: bit.ly/3G2MEfk
.....................................................................................................................................................................
The 1-Year Investing Course -
www.finology.in...
.....................................................................................................................................................................
See the Shares I have in my portfolio -
www.finology.in...
.....................................................................................................................................................................
Open & Invest in NPS Account: www.iciciprupe...
.....................................................................................................................................................................
Connect with Me -
Twitter Tips - / myfinology
Facebook connect - / myfinology
Instagram updates - @myfinology
Email - Pranjal@finology.in
I apologize, I forgot to attach the in-house claim settlement list. Here is it is
Companies with in house claim settlement department
1) Star Health
2) Apollo Munich
3) Max Bupa
4) Bajaj Allianz
5) ICICI Lombard
6) HDFC Ergo
pranjal kamra hi pranjal really appreciate your efforts..
I tried but i couldnt get the link from where u showing this claim settlement ratio..
I dint find it from. Irda वेबसाइट too
pranjal kamra New India Assurance Health Insurance kaisi h bhai?
Avoid
Avoid
Irda annnual report
Since I've worked with this industry in the past, I would like to add one point. The kind of services from the relationship manager matters a lot as well. It was very correctly said by you that they make it very quick while filling the form to sell the policy, but that shows the intention of the company as well. So the management of the company has to be studied without the knowledge of the relationship manager or investment advisor or financial planner, whoever it is.
Life insurance vale itne Sare fayde bata dete hai schemes k ki Banda SOCHNe lage ki saala jeene se jyada to marne me fayda hai...😂
Aree saamne vaala joke maar raha hai, uspe has to do...direct policy sale karne me lag gaye 🙄🤣
🤣🤣
😂😂
😂😂😂
Bro..This is the Best video I have ever seen because your way of explaining is Superb..
th-cam.com/video/TKTL3WvkjcE/w-d-xo.html
Very nice 👍👍👍👍👍👍👍👍👍👍
contact:9975772390
for Hdfc ergo health insurance
Super like.. jaise padhai khatam hoti hai... Main aapke online classes regarding stock market shuru kar dunga..... You are good teacher, mentor and guide
Thank You!!
Bhai u rocked again... U explaining ability is outstanding...
Thanks
I agree ....I like to watch his videos
@@pranjalkamra Sir requesting to upload video in english as well. Thanks.
Arul
It is such a master piece. In 13 minutes u have made every thing cleared,God bless you and your family..
You Skipped
1. Co-payment
2. No claim bonus
3. Non medical expenses
4. Waiting period for few Illness or surgeries
5. Hospital Cash
6. Domiciliary hospitalization
Etc.
Excellent points - Can you please cover that , Pranjal ? Also, what if we compare Jeevan Anand Scheme with term insurance plans - Is Jeevan Anand not more beneficial? What other term+endowment plan should be considered ?
Sahi kaha bhai
th-cam.com/video/EM_QqEuKrkU/w-d-xo.html
Religare Vs hdfc ergo optima restore best comparison you must watch.
regards
manoj
financial planner
th-cam.com/video/TKTL3WvkjcE/w-d-xo.html
can you tell about:
4. Waiting period for few Illness or surgeries
5. Hospital Cash
6. Domiciliary hospitalization
?
Pranjal kamra...u r a genius. Kitna acha guide karte ho yaar
Pranjal Ji As per My Knowledge IFFCO TOKIO General insurance also has there own In-house Claim Settlement department.
I have mediclaim plan from Star Health for 3years.
Plan name Star heath Comprehensive family floater.
Till mow claim doesn't required but i will take free health checkup next year and will share my experience after that.
And thanks for a good guideline in terms of medical insurance. It helped me to understand.
hiii subhojit
..i also want to take star health Mediclaim hows it??
If any help... Please ask me .. 8281439241
@@nasimkadakkal9057 what will b the premium if dad age 60 nd mom 56. For 3 lacs policy
@@rahuld4122 contact me i will guide you. 9867658956
i am with bajaj allianz last 4 year ,last year my daughter hospitalise, hospital not available on bajaj's panel but after discharge i send all bills to there office by courier, and they pay total amount (appprox. 60000) in my account, best experience with that.
Very good information, sir thanks
Great!
So this is what I was looking for....
Yes i was searching for the right information about health insurance and here it's a right place to know the needful.
Thanks alot, My financial guru🙏
SIR MANOJ BHATIA
Respected sir and madam ,This is best health insurance policy comparison to others insurance company for 100% claims .please note down this link for online payment .www.religarehealthinsurance.com/hp/manojbhatia-1 mobile no -07089377671
4 minutes ago
if want a best policy contact us on 8080184387(policybazar.com)
most valuable videos
everybody must watch this videos
Thank you sir for your support
Very nice 👍👍👍👍👍👍👍👍👍👍
@@pranjalkamra Dear Sir , Can I get your Contact no./ mai id as I have some quarries to discuss with you , Hope your kind help in this regard.
If you don't mind I am just mentioning if it is chargable kindly mention (don't mind please)
My mail id - tapas2572@yahoo.co.in
Wats app no - +91 9674145815
Contact no - +91 9674145815
Kidly Help me , I need your Kind Help
Regards,
Tapas Mukherjee
You r doing great job bro enlightening young minds like me towards our health care...
God bless u
Your videos are really mind blowing, thank you so much for creating financial awareness among your subscribers
Very helpful. It would have taken me years to learn what I learnt in 10 minutes from the video. Thanks for sharing your knowledge.
Very well explained buddy, u have the skills to convey your message properly! Keep up the good work
Thanks a ton!
Kamra sir, I watched your almost all videos, you have explained in a very well manner. My rating will be 10 out of 10. Keep uploading videos on financial and stock market related videos
My study is 7 years old there may be better plans after 2013
According to me these policies were the best when i studied them....Choose one of below
Religare Care - claim settlement is ok average. and premium is also less.
Appollo Munich Restore - Restore feature. or hdfc Egro has restore feature. so i highly recommend this.
Oriental Insurance Gold - Pay and claim mediclaim - i dont know why people increase their premium cost pay taking cashless plan.
If you can afford the payment upfront then this is not bad particularly for poorer people who can take higher insurance for lower premium value. Can poor afford to pay upfront and claim back these considerations should be weighed it is different for everyone. cause I can pay does not mean everyone can pay upfront.
When I checked in 2013 Bupa was very very expensive nowadays it is cheap but ask them to provide life time rate chart and compare the feautres. Both to Bupa and cigna ttk. If i can afford their premium at 80 years then I should take these 2 companies Bupa and cigna ttk.
Nobody knows this but somethings insurance company will not tell you but you need to be smart to find out IRDA laws.
International companies like Bupa and cigna have tie up / indian partner or direct.
Not Very but Most Important remember this always - Take cover for best hospital in Mumbai single room rate Eg. 12000 per night x (3 for inflation next 10 years) x 100 = 24 lakhs in this case per person. If you not doing 24 lakh you are under covering insurance,. Remember Every 30 years inflation is X 10. So if you planned for next 10 years in 30 years atleast you can afford semi private room. No body in India will give you this advise as after 60 years you cannot change you insurance company so take the best one now for longterm decision. If you dont like you still have time to change. If possible prefer a company whose business is health care eg Cigna , bupa only but if you cannot then take atleast private group with diversified.
www.medifee.com/hospital/9130-p.d.-hinduja-hospital/
for critical illness check Zurich or AXA bharati. dont bother if you are doing less then 1 crore cover as it will be of no use.
When I done study in 2013 super top up was not there....so you can perhaps take super top-up plan later after few years,
i dont see value to take super top-up plan from another company it should be same company as your current insurance company else you cannot get advantage of room rate. This part needs more study but i am thinking take 12 lakh now then buy super topup plan before age of 58 years for another 12 lakhs.
i dont like co payment i want 100% paid by insurance company so I preferred above
You r always rocking.your videos are straight point to point,which shows your ability to convince and clears all the doubts.thanku pranjal bhaai.,👌🙏
Thankyou!!
Very nice 👍👍👍👍👍👍👍👍👍👍
Super bro..you give a sach great information thanks a lot...
Subscribed after ur way of explaining 👌
Thanks a for yet another insightful video. just sharing my experience with Bajaj Allianz Silver Health policy for my senior citizen parents. My mother recently got admitted to hospital due to a car accident. Bajaj Allianz paid 72k out of 76k hospital bill in cashless mode...& their cliam settlement procedure is very ..not even called me once..but one clause is hurting..they cover only 3% of the hospital expense as pre+ post hospital expense...
Summary
1. Types -
(a) Accident cover,
(b) critical illness (lumpsum),
(c) Mediclaim/Pure Health insurance
2. Points to look
A. Pre and post hospitalisation
B. Room rent upto single room atleast
C. Claim settlement ratio
D. Network hospitals - cashless nearby
E. In-house claim settlement like Max Bupa, ICICI Lombard, Bajaj Allianz, HDFC Ergo etc.
3. Top up plan/Super top up plan
- Deductions upto some limit, then it starts.
- Top up (same hospitalisation, single time)
- Super top up - better option - multiple times
4. Specialised cancer care plan - upto family history.
5. Accidental cover/critical illness - better take with Life insurance.
You are a great sir
You opened my eyes thank you sir
Pranjal, your in depth knowledge is very helpful. Good one
Thank you Laxman ji
Thank you Pranjal for giving genuine, useful and honest advice. Based on which I purchased a policy for myself.
Wish to share a few points: 1) Check livemint health plan ratings 2) ICICI lombard also has good claim settlement ratio as well
3) Apollo Munich Insurance business will be acquired by HDFC Ergo.. So current policies may undergo a change.
SIr as i am not tracking all these plans as you said they are pretty good so will definitely go through these plans as well and will share my views on it.
Explained in detail in the perspective of common man. It shows your deep knowledge, analysis & passion to help people. Thanks & best wishes !
I have two Mediclaim
One for myself: Max Bupa group health insurance policy
Second for my parents: universal sompo individual essential
Till now I didn't require any claim.....
But if anyone having any experience then please give your valuable feedback and suggestions.
Where you live brother and when you by health insurance max bupa
Experienced with Future Generali health insurance .. nice health insurance .. covered 100% claim
Very informative sir. Thanks u so much. I hv The New India Insurance Medical aim Pol. Here the settlement is depending upon the room charges. It is 1% of the sum insured. So per day yr room charges is Rs.2000/-.If d room charge is more than rs.2000/- u will never get full settlement.
Please change your policy.... Port your health insurance to other company... 8826836161
Bhai u again rocked.... M in love with ur channel...but one observation is that there is no image of ratio of settlement in d video, although u said it is thr.....
I apologize, I forgot to attach it, but I have mentioned it the pinned comment, kindly check the comment sectiom
Koi nahi buddy....anyway u rocked....
laxmi manorma can you please explain, how were you cheated and which company.
laxmi manorma which year this happened? Which company was this health insurance from?
laxmi manorma Its your choice but i think it's ok to reveal it to everybody. Its your right. Nobody can harm you. People who cheated you deserve to be publicly shamed. All will know the true reputation of that company. Also everybody can be alert and cautious before subscribing to their service. Again, it is your choice to reveal it. Thanks.
ICICI LOMBARD highly recommended. Best features in a very competitive price. In house claim settlement team is the best. No worries for cashless claim due to a huge network of tie up hospitals and reimbursement for my OPD claim happened within 7 days.
Very nice 👍👍👍👍👍👍👍👍👍👍
Can we use two or more insurance plans to settle hospital bills? For instance if the total cost is ₹20 lakhs and one health insurance policy covers ₹5 lakhs and other health insurance policy covers ₹15 lakhs, can I use them both at the same time here?
Thank you for making this and it's very helpful for me. ..I want to marine insurance from you
If our employer offers us health insurance should we still take health insurance?. Please reply...
Yes .
B'cz in case you left your job then ur insurance will also over.
Hence it will be better to buy an individual health insurance
Thanks sir
I think Apollo is good because I have experience about Apollo health insurance
Apollo Munich rocks but it,s a bit expensive as compared to other insurance company
Thought Apollo Munich optima restore have some unique benefits
Like 50%no claim bonus, restoration for same illness and pre/post 60/180 days
@@HEALTHADVISOR how are govt insurance company like national health insurance or oriental health insurance ..any insights..i hv heard they always settle the claims..
Govt plans provide u claim guarantee but feature are for name sake
@@SaurabhPradhan definitely claim settlement are awesome but they are full of limitations and co-payment
dear sir
please make a video on "how to buy motor insurance with good addon covers"
what this guy is saying is absolutely right, & it will fill all your insurance needs with low premium.
Apollo Munich is super and easy way in health insurance mine own experience is 👌
DrAkhil Akhil hi
Sir hdfc life me to term aur apollo ka health policy ha aur premium me 5%ka discount bhi ha.
For more detail Please contact 7277831021 today
HDFC ergo is best .
Apollo is best. you are right Dr Akhil ji. I am advisor of Apollo Munich.
Very useful info... Thank you so much bro... You've genuine interest in people...
Thank you sir
th-cam.com/video/EM_QqEuKrkU/w-d-xo.html
Religare Vs hdfc ergo optima restore best comparison you must watch.
regards
manoj
financial planner
STAR HEALTH INSURANCE CO.. के प्लान family Health Optima की महत्वपूर्ण विशेषताय
अपने परिवार का स्वास्थ्य बिमा कराएं और हॉस्पिटल में लगने वाले खर्च से मुक्ति पाएं ।👍👍👍
👉 यह एक फ्लोटर पालिसी है, जिसमे एक ही प्रीमियम द्वारा सम्पूर्ण परिवार (पति, पत्नी व् अधिकतम 3 बच्चे 25 वर्ष से कम उम्र के) को शामिल किया जा सकता है ।
👉 बिमा राशि का उपयोग परिवार का एक सदस्य या सम्पूर्ण सदस्य अपनी आवशक्तानुसार कर सकते है ।
👉 प्रवेश की आयु सीमा 16 दिन के बच्चे से लेकर 65 वर्ष तक के व्यक्तियों की है ।
👉 पॉलिसी का नवीनीकरण आजीवन रहेगा ।
👉50 साल तक कोई स्वस्थ्य परीक्षण नही, 50 वर्ष से अधिक के व्यक्तियों को मेडिकल जाँच कंपनी के खर्च पर होगी ।
🌟 पॉलिसी के लाभ 🌟
👉 एम्बुलैंस शुल्क एयर एम्बुलेंस की भी व्यवस्था
👉 All डे केअर बीमारियों का इलाज सुविधा बिना 24 घंटे हॉस्पिटल में भर्ती हुए ।
👉 गंभीर अवस्था में घर पर दिए गए उपचार का खर्च
👉 बीमित व्यक्ति की अंग दान करने वाले का भी अस्पताल का खर्च
👉 प्रत्येक साल के बाद स्वास्थ परिक्षण
👉 300% आटोमेटिक रिस्टोरशन सुविधा उपलब्ध बिना किसी अतिरिक्त प्रीमियम पर ।
👉 बोनस सुविधा 25% प्रति वर्ष अधिकतम 100% क्लेम रहित पालिसी होने पर
👉 भर्ती होने के 60 दिन पूर्व व् छुट्टी होने के बाद 90 दिन तक लिए गए सम्पूर्ण उपचार का खर्च
🌟🌟 क्या नहीं मिलता 🌟🌟
💉 प्रथम 30 दिन तक दुर्घटना को छोड़ कर अन्य कोई जोखिम शामिल नहीं
💉 पालिसी लेते समय पूर्व मौजूद बिमारियों का कवर 4 वर्ष तक नहीं
💉 मोतियाबिंद, ग्लूकोमा, रेटिनल डिटेचमेंट/मेक्युलेर डिजेनेरेशन, रीढ़ की हड्डी की गद्दी का खसक जाना, वेरिकॉजवेन्स, प्रोस्टेट ग्लैंड, नाक की हड्डी का टेढ़ा होना, साइनस संबंधी रोग, टॉन्सिल्स, थॉयरोएड, हर्निया एवम् जन्मजात बीमारियां,
गलब्लेडर, मूत्रतंत्र सम्बंधित रोग, पथरी, बच्चेदानी का ऑपरेशन, महिलाओं की आतंरिक बिमारियों, घुटने के जोड़ सम्बंधित व् मेरुदंड सम्बंधित बिमारियों को 2 वर्ष तक कवर नहीं किया जाता है ।
🌟हॉस्पिटल में भर्ती होने पर मिलने वाले लाभ 🌟
👍 रूम रेंट
👍 डॉक्टर की फीस
👍 नर्सिंग चार्ज
👍 दवाइयों का सम्पूर्ण खर्च
👍 जांच का सम्पूर्ण खर्च
👍 एम्बुलेंस खर्च
👍 स्पेशलिस्ट डॉक्टर की फीस
👍 ऑपरेशन खर्च
व् बीमारी से सम्बंधित खर्च का भुगतान पालिसी के नियम अनुसार किया जाता है ।
🙏🏻 धन्यवाद🙏
If you want more information please contact
8839193249
.
Thank u for your valuable information but where is in house insurance company list sir..?
Exactly 🙄
Mine was Icici Lombard, Currently using, it was cashless for 5 days hospitalization.. 2 time I admitted my daughter then it's got shifted to reimburse, and gain that's also got rejected.. now I am having this ICICI Lombard policy renewal in this month..
For more information call or WhatsApp on 08849733798
Very good information helpful for public, Thank you.
sir ur vdos are very informative and useful. thanks for this channel.
hdfc ergo is a good choice? i purchase this this year. please reply me. and if this hdfc is not good then i how to port this health insurance? thanks again.
After sandeep maheshwari
👍
बिफोर
th-cam.com/video/EM_QqEuKrkU/w-d-xo.html
Religare Vs hdfc ergo optima restore best comparison you must watch.
regards
manoj
financial planner
I think you're the most valuable person of my
Knowledge.
Should I buy CHOLA MS HEALTH INSURANCE ??
Please suggest me.
no buy icici lombard heal insurance waha aapko best benfits milte hain or clam bhi jldi mil jata hai if uh want to buy contact on this number 8080184387 (policybazar.com)
Pranjal u indeed have wonderful knowledge. My understanding in these policies are nil, now I know some only for u. I would love to see this video few more times to get myself upgraded.
I have medical insurance in cigna ttk now (manipal cigna)
My claim process and money receive in my A/C with in 50 days
But i received 100%claim amount without any deductions
I have renewal my policy in manipal cigna
The company customer service department are so good
How much does it cost brother can u tell me??
Pls recommend me some best Cancer Special Medicailm Plan...Thnks in Advance 👍👍
will review it and make a video on this topic
Call me 7744986072 sagar jagadale
Prajal sir, what's your view on Tata AIG?
Very informative. Keep posting!!
Thank You
th-cam.com/video/EM_QqEuKrkU/w-d-xo.html
Religare Vs hdfc ergo optima restore best comparison you must watch.
regards
manoj
financial planner
I like your video, please suggest which is the best Between Religare & SBI Helath Insurance ?
very important information
heartly thank u so much sir
Thanks for ur immediate response sir.
I have Bajaj Allianz general health insurance plan... I have use 1 time... claim satlement done only next 7 business day...
Thanks for sharing your experience
Hi sir
Please contact me for all types of insurance services
8802860453
Thank you for very important topic you have covered.
You Can contact me for info.
8210773388
info@dhansamridh.com
www.dhansamridh.com
I use the New India assurance given from my office. They have a very nice pre & post hospitalization service but via TPA. Now I am looking for one more my personal health insurance and I think I will go with Star Health or signa TTK
Please add one more point- Mediclaim for individual or Family plan?
In house claim settlement wali list nhi dikhaii
Dixit Thakral Comments mae pin ke gayi hai creator sae, dakh lo
Thnx bro...so helpful information
Opretion karvana ho to konasa plan lena chahiye ...
Excellent and perfect information for new one to choose the right plan and understand very well that what is health plan. Thank u sir😊
Thanks sir... For sharing this information. It will help me to choose best health insurance policy.
Glad to know that this video will help you..
Thankyou !!
Nice Video , I have one health insurance plan.
Sir can I get tax benefit from mediclaim policy
Yes section 80d, upto 25k
@@pranjalkamra I think section 80d, up to 55k bcz 25k is applicable for own family and 30k is applicable for parents, am I right.
Yes.. For more details contact-7290005290
Wish I had known about this video. I have Good health Mediclaim policy which is high cost policy and administrated through a TPA. The claim process is very tedious.
Contact me I can help you. 9867658956
Hello Pranjal , Most of the MNC and TOP companies provide Health Insurance Plan to their employee as employee benefits . However once employee retires around at the age of 50-55 . Health Insurance ended that's when they require MOST . So shall a working professional must opt for secondary health insurance and at what age ?
BEST CLEAR VIDEO , PRACTICAL ISSUES COVERED IN THIS VIDEO . GREAT. Only thing is EDIT mei kuch gadbad hui lag rahi hei aapne photos add nahi kiya.
Sir,
Star health optima plan kaisa hai? Private room allow hai ya nahi isme.
Is plan me 1 year claim nahi lene par 25% add next year hota hai.yadi meine 4 year claim nahi liya to kya risk double ho jayegi
Relicare
Max health policy Kasi hai
कभी नहीं star health is not believeable.
@@pkjain6323 Very nice 👍👍👍👍👍👍👍👍👍👍
Sir main government job me hu .. railways mera medical free h.. kya mujhe health insurance lena zaroori h??
Yes
In house claim wali list kha h sir
Good video I am working with Apollo and now HDFC I experienced HDFC or Apollo as good in claim serrvice
Hats off to you man....confusions cleared...but still if possible plz suggest some best mediclaim plan for family.
If you are interested then contact me i will guide you about your family. 9867658956
Sir Insurance is very wide topic please make videos in detail so that It could cover all the points.
I wants to take Mediclaim policy for self as well for my family with spouse and three daughters. But watching your video I couldn't decide.
I stays in Mumbai....Thanks
I can help I am an insurance advisor...can call me 8130908373
Call me 9886833854
Help you with multiple companies
Hi,,, hdfc ergo ki policy,, 2 year tak chalaya,, 3 year star health ke sath,,, ab icici loambard ka plan liya hai,, lekin abhi tak koi bhi use nahi kiya hai,,, bhai mai sirf itna kahunga jis company ka in house tpa ho usi ka plan lena,,, koi time to time apni policy port karwate rehna,,, policy utni hi purani hogi jo apne firat time me liya hoga,,, jaise maine port karwaya hai ,,, shukria
manoj kumar what is the benifit for port?
Aneesh Antony ,,, you will get low premim best plan,,, and your policy will remain old,,, in my case star health renew amont 14000/- something coverage of 605000/- icici give me lum sum 12000/- for 10 lack
Thanks bro confusion clear k lie
manoj kumar
Sir aap company change karte rahenge to continue benefit nahi milega aur jis company me health insurance hai vaha pe continue karo
manoj kumar not necessary i have apollo munich which has best premium + benefit and relatativley low premium compare to others..
There is no image display when you talk about in house claim settlement. Please include tax benefit also
Very nice 👍👍👍👍👍👍👍👍👍👍
Sir aap ka bhut bhut thank you. Aap jo itni acchi knowledgeable video banate hai. Mujhe aap se yeh kehna tha ki, sir me aap par blind trust karta Hun to please kabhi kisi company ke kehne par koi video mat banaiye ga please, phir chahe vo kisi investment ki hi ya insurance ki q ke ye humare Parivar ke bhavisiye ka sawal hai. Me Janta Hun aap Aisa na to karte honge or na hi karenge. sry agar aap Ko ye text Bura lage to. Ye comment aap ke khilaf nhi bas aap se request hai. Thank you! And I will always trust you.
Thanks 🙏🏻 sir it was a very good experience with you
tata aig health insurance liya hai kesa calim settlement hai iska..?
waseem khan maine bhi
hello Sir
I have company insurance for 2lck family ..can i take one more extra for family ? no option of premium increase for company policy..
also suggest the best insurance company ?
Religor
max
or any other?
yes sir ,you can buy additional insurance.better to go for Max
Dnt depend upon company policy for future...U can take a base 5 lac policy...of any gov't health insurance.and a super top up policy of more lakhs to meet exceeding expense ...bajaj extra care policy has low premium.
You should go for a personal cover because when you will switch the job your policy continuation benefit will lapse. For more details please contact-7290005290
In house settlement list nahi aayi
I apologize, I forgot to attach it, but I have mentioned it the pinned comment, kindly check the comment sectiom
Every year premium same rahta h ya change hota h health insurance me
Pranjal Kamra.. Thank you for your in depth knowledge in this topic.. Kudos my friend
Very Knowledgeable vdo...I knew nothing before watching this video...Good work Pranjal...I have a q...Are there OPD visits also included in these policies?
Sir meri salary monthly 20k he aur me isme se kuch paise save karke konse mutual fund me invest karu
STAR HEALTH INSURANCE CO.. के प्लान family Health Optima की महत्वपूर्ण विशेषताय
अपने परिवार का स्वास्थ्य बिमा कराएं और हॉस्पिटल में लगने वाले खर्च से मुक्ति पाएं ।👍👍👍
👉 यह एक फ्लोटर पालिसी है, जिसमे एक ही प्रीमियम द्वारा सम्पूर्ण परिवार (पति, पत्नी व् अधिकतम 3 बच्चे 25 वर्ष से कम उम्र के) को शामिल किया जा सकता है ।
👉 बिमा राशि का उपयोग परिवार का एक सदस्य या सम्पूर्ण सदस्य अपनी आवशक्तानुसार कर सकते है ।
👉 प्रवेश की आयु सीमा 16 दिन के बच्चे से लेकर 65 वर्ष तक के व्यक्तियों की है ।
👉 पॉलिसी का नवीनीकरण आजीवन रहेगा ।
👉50 साल तक कोई स्वस्थ्य परीक्षण नही, 50 वर्ष से अधिक के व्यक्तियों को मेडिकल जाँच कंपनी के खर्च पर होगी ।
🌟 पॉलिसी के लाभ 🌟
👉 एम्बुलैंस शुल्क एयर एम्बुलेंस की भी व्यवस्था
👉 All डे केअर बीमारियों का इलाज सुविधा बिना 24 घंटे हॉस्पिटल में भर्ती हुए ।
👉 गंभीर अवस्था में घर पर दिए गए उपचार का खर्च
👉 बीमित व्यक्ति की अंग दान करने वाले का भी अस्पताल का खर्च
👉 प्रत्येक साल के बाद स्वास्थ परिक्षण
👉 300% आटोमेटिक रिस्टोरशन सुविधा उपलब्ध बिना किसी अतिरिक्त प्रीमियम पर ।
👉 बोनस सुविधा 25% प्रति वर्ष अधिकतम 100% क्लेम रहित पालिसी होने पर
👉 भर्ती होने के 60 दिन पूर्व व् छुट्टी होने के बाद 90 दिन तक लिए गए सम्पूर्ण उपचार का खर्च
🌟🌟 क्या नहीं मिलता 🌟🌟
💉 प्रथम 30 दिन तक दुर्घटना को छोड़ कर अन्य कोई जोखिम शामिल नहीं
💉 पालिसी लेते समय पूर्व मौजूद बिमारियों का कवर 4 वर्ष तक नहीं
💉 मोतियाबिंद, ग्लूकोमा, रेटिनल डिटेचमेंट/मेक्युलेर डिजेनेरेशन, रीढ़ की हड्डी की गद्दी का खसक जाना, वेरिकॉजवेन्स, प्रोस्टेट ग्लैंड, नाक की हड्डी का टेढ़ा होना, साइनस संबंधी रोग, टॉन्सिल्स, थॉयरोएड, हर्निया एवम् जन्मजात बीमारियां,
गलब्लेडर, मूत्रतंत्र सम्बंधित रोग, पथरी, बच्चेदानी का ऑपरेशन, महिलाओं की आतंरिक बिमारियों, घुटने के जोड़ सम्बंधित व् मेरुदंड सम्बंधित बिमारियों को 2 वर्ष तक कवर नहीं किया जाता है ।
🌟हॉस्पिटल में भर्ती होने पर मिलने वाले लाभ 🌟
👍 रूम रेंट
👍 डॉक्टर की फीस
👍 नर्सिंग चार्ज
👍 दवाइयों का सम्पूर्ण खर्च
👍 जांच का सम्पूर्ण खर्च
👍 एम्बुलेंस खर्च
👍 स्पेशलिस्ट डॉक्टर की फीस
👍 ऑपरेशन खर्च
व् बीमारी से सम्बंधित खर्च का भुगतान पालिसी के नियम अनुसार किया जाता है ।
🙏🏻 धन्यवाद🙏
If you want more information please contact
8839193249
.
Dharmendra ji aapko monthly invest karna chahiye --2000-2500 tak.. And traditional plan me hi karna chahiye but karna jarur chahiye.. For more details please contact-7290005290
Sir directly boliy kounssa Lena haii
Esa Directly nai bol sakte sab k needs and requirements aalag hote hai and uske hisab se market main bohot saare products hote hai.
Religare.. All feature h.. 7290005290
Sir app NE income tax rebate ki bat hi Nahi ki.
Sir wo aap koi sa bhi insurance lenge to sec. 80D me deduction milega
We should not prefer royal Sundaram general insurance. They do not settle the claim. Even in critical illnesses like spine tuberculosis.
Best of luck pranjal sir for your TH-cam channel. You share really good stuff.
Thank you very very much sir give good knowledge
Dosto mene abhi bajaj allianz ka liya hai claim ratio 92% hai comparative feature ki baat kru to extra ordinary hai...mean after my long study I recament bajaj allianz one of d best health plan
bajaj allianz ka kaun sa plan liye ho??
Health guard
If anyone need to Bajaj Allianz General insurance health policy plz contact me
My number 9834214464
sir religare ka care NCB super plan me aapko 150% tak bonus milta hai, aur har sal fre health check up kar sakte ho aapki agar 10 lac ki policy hai aur 5 sal tak claim nahi aaya to total 25 ki policy ho jati hai
Pranjal you did not show the list of inhouse claim settlement
Please call me for more information... 8281439241
Sir I'm 26 yr old and right now I'm unmarried plz suggest me any insurance jisme mummy papa bhi add ho jaye... Aur 2 se 3 laac tak ka insurance ho
Contact me I will guide you. 9867658956
Hi...
I had a Mediclaim from FHPL
Reimbursement was very very easy
Duration was 20 working days
SPOC helped me alot
Thank ypu very much fpr explaining it simply !!😊
Tata aig with axis Bank group Medicare liya ajhi kaysa hai .
Age 52 + wife age 50
Premium 9931
Sum assured 500000
No clam bonus 10%
NCB IS GOOD ,
Sir hamara jese ved se ilaj chal raha h to usme health insurance company paisa deti h kya..
I hv star health insurance of 3lakh.. got rs 1 lakh claim at operation time .. easily
Witch plan and company
sanjay mittal ji base cover badhaiye, kam se kam 5 lakh ka cover to hona hi chahiye
Star health is bad company...instead if u hv base policy...U can go for top policy of bajaj allianz with low premium.
shilpa ji star kaise bad company hai, pleaze batayen, mere pas bajaj allianz, aur star dono ki agency hai.
In star there is a co payment ....for red carpet and premium compared to bajaj r high...it won't b benificial in long run
ReAlly too good full of knowledge thank you
Sir..i bought a 5 lakh cover plan for my father aged 65 ..from Canara bank apoollo munich .....When I compared it with policy Bazar it was very cheap....I am clueless of comparison between 2...as Canara bank apoollo munich costs me 11000 compare to 36000 from policy bazar.....please guide and compare