I have a doubt, have you made this video to promote your insurance affiliate link, or to spread awareness? Because insurance commissions are way to high!!
Pin this message. Points to remember. 1) No room rent capping 2) no co payment 3) no deductibles 4) no zonal co pay 5) includes all charges and for all things not like excluding some material in operations and all 6) super topup without room cap and do see its conditions and terms... mostly these are not portable means once u have taken, u need to continue till last . if u discontinue u have to start from zero for P.E.D 7) always opt for no claim bonus and restoration, in case of non claim bonus one prblm is there, in some cases they will minus the non claim bonus once u make a claim in some case they will just reduce claim amount. and in restoration, check how many times and either full or partial... 8) renewal till how much age/ and entry barrier 9) company should be profitable 10) disclose all the details and check for reimbursement and cash less...both should be there... ❤❤❤
Usko pta hota to pehle hi likhta naam then explain kr deta points...ye saare points sayad hi kisi health policies se match kre... preference apne hisaab se khud ko dekhni hogi.. with their claim settlement records...
Regarding room rent limit. Let's say your room rent limit is 5000. You go for a treatment with room rent of 10000 per day. You will think that I will bear 5000 per day extra for the room rent from your pocket. But wait. When you go for settlement, you will see that every claim is reduced to 1/2 of actual payment. So for 3 days, instead of paying 15k from your pocket, you end up paying half of actual bill. This is really tricky and health insurance providers play around with the T&C. So you should definitely seek higher room rent
Just wow! Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot of people to select best health insurance for their family. Because common man cannot distinguish between a good and a bad policy all thanks to these fancy words used by these companies which try to make profit and use all their brain to reject the claims. Much awaited video.🤩
Please cover few more things in any upcoming video - 1) if person has employer provided medical insurance and personal medical insurance, is there any enhancement to total coverage or are expenses to be distributed across both of the insurance policies? 2) there is an online insurance account being created - if people use that will all insurance providers get to know about all policies we hold and the coverages?
Please make a video for senior citizens who are 65+ and above about things to consider for taking health insurance for my parrents that are 65+. Please that will be super helpful for us. Thankyou ❤
11:31 person has to pay more than 14000 as room rent is directly related to total hospital bill In the example of 6000₹ room rent for 14 days if 5000₹ is room rent limit It's not that u have to pay only 14000₹ extra It's about the percentage of room rent limit of actual room rent In the same example 267000₹ was total bill so 5000 is roughly 83% of 6000 so difference of 17% on total bill is you have to pay from your pocket which is 45000₹ and not 14000₹ This percentage makes huge difference if total bill is on higher side
This is the video I had been waiting for, for the past 2 years. Though Prasad has covered fewer points than say, LLA, but he has done it in the way no one, not even LLA has been able to cover. Really really appreciable. ❤❤❤❤😊🎉 Very simple. Cleanly laid out. Very useful.
Just save few bucks you can’t risk your family and finances better go with what you understand and covered your requirements with best healthcare plans with past performance. Cost doesn’t matter ❤
That’s why early you buy medical and term insurance, the better it is..I bought both at the age of 28, today I m 42, and paying just 19k for both as premium, medical cover of 10 lac and term insurance of 1cr+..living a peaceful life!! 😊
Right now im 33 and paying arround 10 k yearly for health insurance which I strated in 2021. And I thought that premium amount keeps increasing as age goes up so how you are paying such low amount at the age of 42, specially for health and term insurance together.
Lol😂. Health insurance increases with age. Premium is based on age band. And if u have bought cheap health insurance then they will show their colors when u initiate claim😂.bcoz health insurance companies do this. They will reject ur claim by saying " hospitalised not needed " . That's why i tell my customer to choose either tata or hdfc ego health insurance .
Many people in Rajasthan State are not spending money on Health Insurance because FREE hospitality and medical FACILITIES available here by Congress GOVT.🤟
Quite informative... but have few follow-up questions... 1. Why are insurance companies offering super top up.. is there a disadvantage associated as against taking higher base cover.. like once I get old, they stop giving me super top up facility and I get stuck with base cover I had earlier as that too can't be increased... 2. Ps do provide guidance in porting.. the process, what we should consider, etc. Etc...
"Why would companies stop super top up facility? Top ups and super top ups are good options to keep your health insurance affordable. If you want to port your policy, you need to talk to the new health insurer 45 days in advance of your renewal date. Give them all the details of your existing policy and claim history. Based on that new insurer will decide if they are ready to give you cover under porting. If they agree, pay premium to the new insurer and port your policy. If they say no, if have to renew with your existing insurer or check out some insurer in the market."
@nidhiverma22 thanks... there has to be some catch here... if this makes affordable and available for all then why not bring the overall base premium down instead... as per law, if I have taken a policy (base only)... the insurance company needs to continue the coverage when I get old (and would use more of insurance)... they can only refuse to increase coverage... however, this doesn't apply to top-ups hence I asked... more clarity here will be helpful with the legal angle also...
@@sunilmehta_ Insurers have to provide lifelong renewability to top-up plans as well. IRDAI does not say that life long renewability clause only applies to base products. Though companies can increase the premium with time and age which might make them unaffordable after a point.
Prasad ji. i m from Rajasthan. and Rajasthan me 2011 se govt free health services free medicines free diagnosis de rhi h. yaha health insurance ka craze kafi km hai.
Restoration m full or partial exhaustion restoration ka option bhi hota hai jab aap ka 5 lakh ka sum insured hai 1st claim 3 lakh 2nd claim. 5 lakh hai to , Restoration k vjay se 5 lakh bhi claim ho skte hai agar partial exhaustion hai to policy m
I have seen that many well-known companies closing their scheme after 3 to 5 year and customer has to go for another new policy which increases overall premiums.. Can you guide for same to get rid off that type of problem? Nice information....
To me as a common man, I feel cheated and therefore feel distracted from buying health insurance. I feel that the health insurance and health care industry both appear to be hand in glove on the entire process. To be honest, so much complication of If and But applied by the entire Health Insurance sector, distracts general crowd on subscribing to the health insurance. Besides this, waiting period etc are another distractors. Why cant the sector come up with something really simple?
Thanks bro for valuable teaching,I wish to know do we need to take super top up every year or some year can we skip and once again take it??as base cover we have pay mandatory
Best option h apne aas pass k logo se baat krke hi health insurance le.. kyoki wahi log bta skte h kon si company claim pass krti h or konsi bs policy bechti hai
All these prices are raised by corporate hospitals and there is nexus between corporate hospitals and insurance companies. Both of them get benefit from each other only the person who don't get benefit is common man.
As per new IRDA guide line, after paying premium for 5 years, the claim will not be rejected. This applies to both Terms insurance and medical insurance ?
Also you should have mentioned that restoration benefits only works after 45 days of last hospitalization hence the benifit of unlimited restoration is very rare to be used in real life. Noone talks about this 45 days waiting from last hospitalization.
Co-pay aur ache se explain kariye, common logo ko samaj nai aata. Add kariye ki over weight and under weight logo ko extra premium, smokers ko premium load lagta hai and many things…
सर मेरी मा का एज फिफ्टी फोर हे उनको डायबेटीस है बीपी है और उनके स्पाईन मे गॅप है तो इनके लिए कोनसा हेल्थ इन्शुरन्स सही होगा और जैसे आप कहते है अगर मैने पाच लाख का इन्शुरन्स लिया और सुपर टॉप लिया तो क्या फायदेमंद रहेगा एज ज्यादा होने के कारण प्रीमियम बहुत ज्यादा दिखा रहे है मै क्या करू कृपया कर जानकारी दे
Some points are not correct. You should always go for higher base sum assured amount. If you undergo a surgery or a condition wherein you claim a good amount of money, insurance companies won't let you increase your cover afterwards. As a result, inflation would increase with time but your cover amount would remain the same . Ultimately, in the long run you can potentially end up paying a lot from your pocket.
Muje bhi ek achi life insurance policy ki jarurat samj nahi ata kitna lu jo inflation chal raha 30 40 saal baad life insurance policy fyda degi family ko nahi
Very good information, Prasad. Have a query. As compared with few years before, the premium is now tripled at least by most insurance companies. Any chance of premium amount getting significantly reduced in near future?
Try to buy some liquid assets like gold, accumulate gold slowly around 5 lakhs, then 10 lakhs easy liquidity may help you anytime and after you have it for 6-7 lakhs, you may ignore paying insurance premium...this is the only hedge that I can understand as of now...any other ideas please suggest.
Its not because base has gotten exhausted. It is because in top up every time the defined limit is applicable . If the bill had been of 7 lakh then top sandeep would have gotten his claim of 2 lakh the other 5 he would have to pay on his own. . This is what I think and know . Please can you tell me if I am right or wrong.
Prasad … we also needs to understand that , If we are unhappy with insurance co service and if we wish to port the policy simply we can’t do that coz TOP UP policy doesn’t get port to any other insurance company
Kul milakar baat yah hai ki yah sab itni badi badi terms/marketing strategy use karke companiyan khud Paisa Kamane ke liye baithi hai, hamara bhala karne ke liye nahin .
Always buy a health insurance even if ur employer is giving u insurance bcoz it is group policy plus when u change ur company ur insurer will also be changed .so it is better to buy a personal health insurance policy . It is just like normal policy buying .i will help u if u want to buy policy .if u buy from me or from other source just buy policy from Tata & HDFC only.
In Dubai OPD, normal doctor's consultation, medicine etc are covered by Insurance companies, why are companies in India not covering medicines and doctors opd consultation?
I bought 12k\year health insurance No room rent cap No copay no zones Pre and post hospitilization included Cashless and reimbursement included Lagra jyada mehenga 😅but sure it will beat inflation in upcoming years
8:54 You said we have 5 lac base cover and 5 lac super top-up. Then, 1 lac base is remaining. Won't insurance company pay from super top-up in this case? 9:34 Restoration aur sub limit se confuse nahi hona hai. I think that's a mistake. We were taking about restoration and super top-up.
Sir , please which one will be good?? I) LIC Tech term : Sum assured :- 75 L Policy term 40 yr, starting age 28, cover age 68, premium annually 15,600 ii) HDFC click 2 protect Sum assured 80L Policy term 52 years, cover age80 starting age 28, premium annually 17,800 ????????????
Generally LIC charges more premium for the same products other private companies selling. If I were you I would go with the second option. Since I will get more cover plus for longer duration.
Nice information, as you know Top Up & Super Top has introduced by insurance companies few years back so what’s the guarantee insurance companies will continue with this option forever. After knowing that one can choose super top with less basic plan. Second I was told once by an insurance company that I can take supertop only once I take Top Up first. Please let me know regarding the same. Thanks
Hello, Mere pass 4 years pehle HDFC ERGO ki OPTIMA RESTORE policy thi, But maine pichle saal OPTIMA SECURE Policy main Migration kiya. Mera sawal yah hai ki main Starting main OPTIMA RESTORE ka PROPOSAL FORM filled kiya tha, But Company ne OPTIMA SECURE main Migration karte time OPTIMA SECURE ka PROPOSAL FORM filled karke nahi liya, only mere se Declaration 📜 lekar Migration kiya. So yah sahi hai ??? Ya muze OPTIMA SECURE ka bhi naya PROPOSAL form fill karna jaruri hai ??? Mera future main Claim ka problem ho sakta hai ??? Ya main IRDA & HDFC ko COMPLAINT karna chahiye ???
I have purchased group insurance policy for health insurance, it was provided by leading home loan aggregator, where I am paying 25k annually for 3 member family with cover of 20 lacs, it is a good buy, please respond.
Hi sir need ur advice, i am having max bupa 1cr ( 10 lac base and 90 lac super top up) health insurance, purchased 2 yrs back, now should I decrease base to 5 lac as per ur video or keep it 10 lac only, what is the significant importance of base?
Buy Health Insurance Now : bit.ly/41At3yC
25% Discount Applied
I have a doubt, have you made this video to promote your insurance affiliate link, or to spread awareness? Because insurance commissions are way to high!!
Make video on Ayushman Bharat scheme, it's benefits limits etc..
There is no discount at all.
I also have a doubt .....are you doing a job or a business to satisfy the need of u and your family ..@@RajendraDubey00
Bhai Aapke is link se jo bhi buy karega aap claim service bhi doge na usko ? Because you are making money out of it...
Pin this message.
Points to remember.
1) No room rent capping
2) no co payment
3) no deductibles
4) no zonal co pay
5) includes all charges and for all things not like excluding some material in operations and all
6) super topup without room cap and do see its conditions and terms... mostly these are not portable means once u have taken, u need to continue till last . if u discontinue u have to start from zero for P.E.D
7) always opt for no claim bonus and restoration, in case of non claim bonus one prblm is there, in some cases they will minus the non claim bonus once u make a claim in some case they will just reduce claim amount. and in restoration, check how many times and either full or partial...
8) renewal till how much age/ and entry barrier
9) company should be profitable
10) disclose all the details and check for reimbursement and cash less...both should be there...
❤❤❤
Bhai itna bata diya 2-4 policy bhi bata do.
@@Aditya-gm8ufiss base pe khud research karlo bhai ..ditto aur policybazaar pe
ekdo policy to bhi bata do
This message deserves to be pinned.
Usko pta hota to pehle hi likhta naam then explain kr deta points...ye saare points sayad hi kisi health policies se match kre... preference apne hisaab se khud ko dekhni hogi.. with their claim settlement records...
Regarding room rent limit.
Let's say your room rent limit is 5000. You go for a treatment with room rent of 10000 per day. You will think that I will bear 5000 per day extra for the room rent from your pocket.
But wait. When you go for settlement, you will see that every claim is reduced to 1/2 of actual payment. So for 3 days, instead of paying 15k from your pocket, you end up paying half of actual bill.
This is really tricky and health insurance providers play around with the T&C. So you should definitely seek higher room rent
Thanks for letting us know this info. Super helpful.
Thik se batao bhai hindi mei
Yes I was thinking same
Yes it's true.
@@subhajitroy8672 bhai translate karlo Google translate me
Just wow! Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot of people to select best health insurance for their family. Because common man cannot distinguish between a good and a bad policy all thanks to these fancy words used by these companies which try to make profit and use all their brain to reject the claims. Much awaited video.🤩
#stopvivekbindra😅
Please cover few more things in any upcoming video -
1) if person has employer provided medical insurance and personal medical insurance, is there any enhancement to total coverage or are expenses to be distributed across both of the insurance policies?
2) there is an online insurance account being created - if people use that will all insurance providers get to know about all policies we hold and the coverages?
Please make a video for senior citizens who are 65+ and above about things to consider for taking health insurance for my parrents that are 65+. Please that will be super helpful for us. Thankyou ❤
Sandeep and Vivek Notice krne Wale log like kre 😂😂
Bhai har jagah yhi chal rha h jha bhi dekho...🙆♂️🙆♂️
Hahahaha
Bada Vivek 😂
#stop vivekbindra
😂
11:31 person has to pay more than 14000 as room rent is directly related to total hospital bill
In the example of 6000₹ room rent for 14 days if 5000₹ is room rent limit
It's not that u have to pay only 14000₹ extra
It's about the percentage of room rent limit of actual room rent
In the same example 267000₹ was total bill so 5000 is roughly
83% of 6000 so difference of 17% on total bill is you have to pay from your pocket which is 45000₹ and not 14000₹
This percentage makes huge difference if total bill is on higher side
Correct, that % amount of total bill we have to pay
This is the video I had been waiting for, for the past 2 years.
Though Prasad has covered fewer points than say, LLA, but he has done it in the way no one, not even LLA has been able to cover.
Really really appreciable. ❤❤❤❤😊🎉
Very simple.
Cleanly laid out.
Very useful.
I never understand why government take 18 % gst in health insurance and life insurance ..
Paisa babu bhaiya.. Paisa ka khel hai.
Indian government hai. World highest uneducated policy makers india mai hai
Because people who take insurance are not significant vote bank for government 😂
Just save few bucks you can’t risk your family and finances better go with what you understand and covered your requirements with best healthcare plans with past performance. Cost doesn’t matter ❤
Why pay extra for the same benefit
There are some people who can barely afford health insurance why don't give them more value for their money
@PGHR KAHA SE GE TU
Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot
That’s why early you buy medical and term insurance, the better it is..I bought both at the age of 28, today I m 42, and paying just 19k for both as premium, medical cover of 10 lac and term insurance of 1cr+..living a peaceful life!! 😊
Right now im 33 and paying arround 10 k yearly for health insurance which I strated in 2021. And I thought that premium amount keeps increasing as age goes up so how you are paying such low amount at the age of 42, specially for health and term insurance together.
@@kapilsharma1293 every 5 years premium has increased because of medical inflation . I know very well because I am insurance Adviser
@@kapilsharma1293 I bought it age of 28; 7k for term and 12k for medical cover for family
I doubt, can you share which company?
Lol😂. Health insurance increases with age. Premium is based on age band. And if u have bought cheap health insurance then they will show their colors when u initiate claim😂.bcoz health insurance companies do this. They will reject ur claim by saying " hospitalised not needed " . That's why i tell my customer to choose either tata or hdfc ego health insurance .
You're doing a commendable service. 😊
One of the best video on this topic.... Huge respect to prashant ...
Many people in Rajasthan State are not spending money on Health Insurance because FREE hospitality and medical FACILITIES available here by Congress GOVT.🤟
Government hospital free to hoga hi bsdk, private hospital mai ek din ka 30000 hota hai kharcha
Such really ☺️🙏🏻 charanjivi schemes like that in RJ
Can you go to any big private Hospital ?
Quite informative... but have few follow-up questions... 1. Why are insurance companies offering super top up.. is there a disadvantage associated as against taking higher base cover.. like once I get old, they stop giving me super top up facility and I get stuck with base cover I had earlier as that too can't be increased...
2. Ps do provide guidance in porting.. the process, what we should consider, etc. Etc...
"Why would companies stop super top up facility? Top ups and super top ups are good options to keep your health insurance affordable.
If you want to port your policy, you need to talk to the new health insurer 45 days in advance of your renewal date. Give them all the details of your existing policy and claim history. Based on that new insurer will decide if they are ready to give you cover under porting. If they agree, pay premium to the new insurer and port your policy. If they say no, if have to renew with your existing insurer or check out some insurer in the market."
@nidhiverma22 thanks... there has to be some catch here... if this makes affordable and available for all then why not bring the overall base premium down instead... as per law, if I have taken a policy (base only)... the insurance company needs to continue the coverage when I get old (and would use more of insurance)... they can only refuse to increase coverage... however, this doesn't apply to top-ups hence I asked... more clarity here will be helpful with the legal angle also...
@@sunilmehta_ Insurers have to provide lifelong renewability to top-up plans as well. IRDAI does not say that life long renewability clause only applies to base products. Though companies can increase the premium with time and age which might make them unaffordable after a point.
Very very very very great and clear explaination sir....Thank you so much🙏🙏🙏🙏💐💐💐💐💐
Insurance company: "Day care treatment"
Prasad: Night ka kya?
😂
😂
Avoid outside food, fast more, sleep more, move more. And you'll reduce your hospital Bill's by 80%
Yes
And what about age?
Surprise Accident 🙀 then 😅
Bakwas
And what if I am traveling aur accident ho jaye tho
Prasad ji.
i m from Rajasthan.
and Rajasthan me 2011 se govt free health services free medicines free diagnosis de rhi h.
yaha health insurance ka craze kafi km hai.
Ab sarkar badlegi.. aab nahi milega...😂
top up/ super top up work after deductibles. In second claim of 3 lakhs. We need to pay whatever deductibles we took which is mostly the SI.
ये सब देख कर मैंने मान लिया है की सच में हम अच्छे दिन में रह रहे हैं मतलब रोगी के लिए नही माफिया लोगो के लिए 😋😋
Restoration m full or partial exhaustion restoration ka option bhi hota hai jab aap ka 5 lakh ka sum insured hai
1st claim 3 lakh
2nd claim. 5 lakh hai to ,
Restoration k vjay se 5 lakh bhi claim ho skte hai agar partial exhaustion hai to policy m
Better to keep control on hospitals by government
I have seen that many well-known companies closing their scheme after 3 to 5 year and customer has to go for another new policy which increases overall premiums..
Can you guide for same to get rid off that type of problem?
Nice information....
Correct
Loved your explaining way ❤
Extremely valuable information on health insurance.
To me as a common man, I feel cheated and therefore feel distracted from buying health insurance. I feel that the health insurance and health care industry both appear to be hand in glove on the entire process.
To be honest, so much complication of If and But applied by the entire Health Insurance sector, distracts general crowd on subscribing to the health insurance.
Besides this, waiting period etc are another distractors.
Why cant the sector come up with something really simple?
They won't as this is how the business works... And this is how this medical industry is getting rich day by day.
Perfectly explained ❤
Great work Prasad 🙏🏻🔥
Thanks bro for valuable teaching,I wish to know do we need to take super top up every year or some year can we skip and once again take it??as base cover we have pay mandatory
Now you show the video right way. Awareness and learning.
Restoration concept apne galat bataya.... Agar 5 lakh ke policy me 3 lakh 1st time use use to agli bar phir se rifil hoke 5 lakh ho jayegi
Base base hota hai..
Base hi lena chahiye..
Super top ki terms and conditions har company main alg hoti hai
Best option h apne aas pass k logo se baat krke hi health insurance le.. kyoki wahi log bta skte h kon si company claim pass krti h or konsi bs policy bechti hai
good information..butttt people should take advice to Insurance Partners...for taking policy. not go online to buy and try to become doctor....
Yes
Thankyou for making this video. It has really helped me in buying right insurance.
You forget to mention one point
Room rent capping is directly attached with all other expenses done in hospital.
Exactly
bhai aap pura policy waalo ka poll kholdia great its very useful information
All these prices are raised by corporate hospitals and there is nexus between corporate hospitals and insurance companies. Both of them get benefit from each other only the person who don't get benefit is common man.
Politians
What about terms like restore back up and cumulative bonus
Desh ka health system esha hona chahiye Bharat ke logo ka Insurance ki jarurat hi nahi pade....
Room rent limit agr 5k hai or jis room me ruke ho uska expense 6k hai to vo overall bill ka 80% hi degi company naaki sirf room ka
So informative. You earned a new subscriber with your wit and knowledge
You haven't talked about moratorium period and portability, benefits transfer, maybe you can include it in another video
Ultimate guidance sir.
Hats off
I am damn sure here Top Sandeep "maheshwari" and Super Vivek "Bindra"
As per new IRDA guide line,
after paying premium for 5 years, the claim will not be rejected. This applies to both Terms insurance and medical insurance ?
Also you should have mentioned that restoration benefits only works after 45 days of last hospitalization hence the benifit of unlimited restoration is very rare to be used in real life.
Noone talks about this 45 days waiting from last hospitalization.
I think it is not applicable to every policy.
@@Enjoylife-jz1tm it is applicable sir. Check the policy wording.
@@SHUBHAM261 ok will check it.
@@SHUBHAM261 sir I checked in star assure policy I can't find any such condition can you go through it and tell me . Thanks
@@SHUBHAM261 in it it is just saying the restoration is for subsequent hospitalization but nothing about 45 days waiting.
Waiting for the IREDA video🙏🏻
Rally
Very Informative. Thank You 👍
simple way of explaning minded insurace componey ,
very good knowlage ..
You just can't know these terms on your own...even policybazaar people don't tell you these things..don't know why...thank for the video
What if company discontinues super top up features after 10 years, we shall be left with very low bqse coverage
काय प्रसाद दादा , संदीप vs वीवेक अ आ,😊
😂😂
Co-pay aur ache se explain kariye, common logo ko samaj nai aata. Add kariye ki over weight and under weight logo ko extra premium, smokers ko premium load lagta hai and many things…
सर मेरी मा का एज फिफ्टी फोर हे उनको डायबेटीस है बीपी है और उनके स्पाईन मे गॅप है तो इनके लिए कोनसा हेल्थ इन्शुरन्स सही होगा और जैसे आप कहते है अगर मैने पाच लाख का इन्शुरन्स लिया और सुपर टॉप लिया तो क्या फायदेमंद रहेगा एज ज्यादा होने के कारण प्रीमियम बहुत ज्यादा दिखा रहे है मै क्या करू कृपया कर जानकारी दे
Why no one talking about the problem i mean why that treatments are sky high expensives 🤔 in market language dont you think treatment are overpriced
Bsc , it's help to save us , means our life 🧬 that's why
Some points are not correct. You should always go for higher base sum assured amount. If you undergo a surgery or a condition wherein you claim a good amount of money, insurance companies won't let you increase your cover afterwards. As a result, inflation would increase with time but your cover amount would remain the same . Ultimately, in the long run you can potentially end up paying a lot from your pocket.
Super top-up ke disadvantage kya hai? And should we always opt for no room rent policies?
top up are not portable, room limit will be there... and many clause
Please suggest which company is good to take
Muje bhi ek achi life insurance policy ki jarurat samj nahi ata kitna lu jo inflation chal raha 30 40 saal baad life insurance policy fyda degi family ko nahi
Very good information, Prasad. Have a query. As compared with few years before, the premium is now tripled at least by most insurance companies. Any chance of premium amount getting significantly reduced in near future?
I don't think so. It will keep increasing as medical bills are touching new heights every year
@@namaskarprasad I sadly expected this reply.🙄
Try to buy some liquid assets like gold, accumulate gold slowly around 5 lakhs, then 10 lakhs easy liquidity may help you anytime and after you have it for 6-7 lakhs, you may ignore paying insurance premium...this is the only hedge that I can understand as of now...any other ideas please suggest.
@@Vijayraj-nn6ct good one brother ❤️ I never think about it .
Best health insurance company pl suggest?
I like this..Kudos to Prasad🎉
Best policy hai konsi but ??? Ye to koi ni batata
Its not because base has gotten exhausted. It is because in top up every time the defined limit is applicable . If the bill had been of 7 lakh then top sandeep would have gotten his claim of 2 lakh the other 5 he would have to pay on his own. . This is what I think and know . Please can you tell me if I am right or wrong.
Prasad … we also needs to understand that , If we are unhappy with insurance co service and if we wish to port the policy simply we can’t do that coz TOP UP policy doesn’t get port to any other insurance company
Thanks for vital information.
Super top up alag kyu hai base se? Jab base jaisa hi kaam karta hai?
Right
Kul milakar baat yah hai ki yah sab itni badi badi terms/marketing strategy use karke companiyan khud Paisa Kamane ke liye baithi hai, hamara bhala karne ke liye nahin .
Life insurance kitna le for example agar 10 lakh income saal ka to main life insurance kitna lu thank for health insurance details
10 guna jyada aap mere se le sakate ho
Sir which policy have you taken for yourself and your family?
Please make video how to buy health insurance if we already have insurance from job company
Always buy a health insurance even if ur employer is giving u insurance bcoz it is group policy plus when u change ur company ur insurer will also be changed .so it is better to buy a personal health insurance policy . It is just like normal policy buying .i will help u if u want to buy policy .if u buy from me or from other source just buy policy from Tata & HDFC only.
In Dubai OPD, normal doctor's consultation, medicine etc are covered by Insurance companies, why are companies in India not covering medicines and doctors opd consultation?
Opd policy different
OPD diseases coming any time with higher treatment bill . So OPD cover is optional in India
Good clarity in your video
Please make a video of Niva Bupa Aspire Health Insurance Plan....
Good knowledge sir ji
agar restoration feature unlimited hai to top or super top lena jaruri hai
Sir Aap suggest kon sa karoge insurance My age is 36 yrs and i want to take family insurance
Restoration benifit also work on partial exhaustion
Very good explanation
What if I change the police company will I need to serve the waiting period again ??
No . Waiting period again in case port in another company
I am covered under chhs by government . My father & mother are also covered. Can i buy a health insurance for my sister.
I bought 12k\year health insurance
No room rent cap
No copay no zones
Pre and post hospitilization included
Cashless and reimbursement included
Lagra jyada mehenga 😅but sure it will beat inflation in upcoming years
Which health insurance
@@KanakalataDash manipal cigna lifetime Health
8:54 You said we have 5 lac base cover and 5 lac super top-up. Then, 1 lac base is remaining. Won't insurance company pay from super top-up in this case?
9:34 Restoration aur sub limit se confuse nahi hona hai. I think that's a mistake. We were taking about restoration and super top-up.
I have the same query.
Sir , please which one will be good??
I) LIC Tech term :
Sum assured :- 75 L
Policy term 40 yr, starting age 28, cover age 68, premium annually 15,600
ii) HDFC click 2 protect
Sum assured 80L
Policy term 52 years, cover age80 starting age 28, premium annually 17,800
????????????
Generally LIC charges more premium for the same products other private companies selling. If I were you I would go with the second option. Since I will get more cover plus for longer duration.
Nice information, as you know Top Up & Super Top has introduced by insurance companies few years back so what’s the guarantee insurance companies will continue with this option forever. After knowing that one can choose super top with less basic plan. Second I was told once by an insurance company that I can take supertop only once I take Top Up first. Please let me know regarding the same.
Thanks
हेल्थ इंश्योरेंस मे भी एमएनपी होना चाहिए जिओ की सिम बदलकर एयरटेल में जाने के लिए😂
Yes porting is available now
@namaskarprasad. - Thanks for the video. Is super Topup amount tax exempted?
Top up main defined limit kya hai
Confusing explanation..
Plz make it simple NXT time
#stopvivekbindra
Don't buy medical insurance Last time ap kab hospitalized ho gaye the...?
Hone ke bad bhi apka claim pass hoga ki nahi eski koe Garantee nahi hai..
Hello,
Mere pass 4 years pehle HDFC ERGO ki OPTIMA RESTORE policy thi, But maine pichle saal OPTIMA SECURE Policy main Migration kiya.
Mera sawal yah hai ki main Starting main OPTIMA RESTORE ka PROPOSAL FORM filled kiya tha, But Company ne OPTIMA SECURE main Migration karte time OPTIMA SECURE ka PROPOSAL FORM filled karke nahi liya, only mere se Declaration 📜 lekar Migration kiya.
So yah sahi hai ??? Ya muze OPTIMA SECURE ka bhi naya PROPOSAL form fill karna jaruri hai ??? Mera future main Claim ka problem ho sakta hai ??? Ya main IRDA & HDFC ko COMPLAINT karna chahiye ???
even super top-up not all bills will be covered I got scammed from that
very well explained
I have purchased group insurance policy for health insurance, it was provided by leading home loan aggregator, where I am paying 25k annually for 3 member family with cover of 20 lacs, it is a good buy, please respond.
No sir it's not Good buy. group insurance is limitations and many cons.
what about NO Claim bonus please explain
Hi sir need ur advice, i am having max bupa 1cr ( 10 lac base and 90 lac super top up) health insurance, purchased 2 yrs back, now should I decrease base to 5 lac as per ur video or keep it 10 lac only, what is the significant importance of base?
Healthcare in the USA is worst thank god we live in india