Sir firhsa kya content creation to promote policy bazaar .. seedha seedha logho ko policy bazaar ko use karna kai liya bola without telling which health insurance is best or top 5 ... Logho ko bola ki yah policy bazaar vala bataya gai then unhka affiliate link diya ... Mostly people will search google and click on google adwords and Google will earn and go to policy bazaar ... It's difficult to believe ki policy bazar sai sponsered nahi hai
Mujhe HLA-B27 positive hai ye ek health problem hai, autoimmune diseases, ya ankylosing spondylitis and reactive arthritis. Ka problem hai... Please mujhe ek health policy lena hai but policy bazar se kafi sara company try kiya but koi policy nahi de raha... Cigna ka policy mila ek agent se but lene k baad pata chala ki unhone mere problem k bare mein kuch kaha nahi company ko. Isliye us policy ko renew nahi kiya... Please guide kare main wait kar raha hoon.🙏
in case of health policy did day care cover the doctor fee , test fees ( some tests are very costly ) , and medication charges i have put my health insurance on hold because my friend claim got rejected because of day care rule his one day whole bill was 27k and his policy said that you have to take hospitalization and discharge receipt and it should be atleast 4 hours , one more question company me jo group insurance milta h aur individual insurance me kya difference hota h
I am Doctor Myself but knew not much despite having a policy since 13 years though never needed to claim it You cleared all My doubts thanks a lot we Share & Discuss your Video with our Team so all can benefit form this Wonderful Effort You have Put in
Don't discuss too much, then the companies will start making new rules which will be even more wicked and then we'll have to look for different conditions applied through microscope🤣🤣🤣
** Super Top up is very important because when a hospital sees that you have a huge base plan, they usually charge more and add more tests so they can grab as much money as they can, but if you've a limited base plan and add top up with it, hospital can't see the full amount you have so they charge less and don't usually add extra tests that you don't really need.
I am a branch manager in SBI and selling Health Insurance since many years but didn't know about such technicalities. Now I will be able to better understand the product offered by my bank. Thank you
Hey Mandeep after studying all the points in the video I had purchased an health insurance policy of Star Health for my parents from policybazaar in 2021 July. Last week my mother was admitted in their network cashless hospital and the hospital insurance desk sent a request to STAR for claiming cashless facility. However Star sent a list of documents to be submitted by the hospital like past records scan reports and a biopsy report. Everything except the biopsy report was sent from the hospital since my mother had the surgery only on 14th and biospy result will take 10 days. But Star has now initially denied the cashless claim saying that required documents were not submitted. Here comes the policybazaar part. Hospital authorities asked us to consult with my agent as Star has denied the initial claim. And I called the relationship manager of policybazaar allotted to me. And funny enough that person said she is not my relationship manager and she will arrange a callback from the manager. Now if she was not my manager then why did PB sent tons of mails wishing me happy new year and all from her number mentioning her as manager. And I received the call after 2 hours. As you said in the video you need to know the mental state of the people in hospital and you said PB will help. Now the new person asked me to ask the hospital to sent the documents to policybazaar. Then I had to go to insurance desk and ask them to sent them to my agent which they said they wont as they are not authorized to share it with third parties. I called him again and mentioned this and now he was saying that yes they wont share since we are a third party. Then why the hell did he waste my time asking the hospital to sent it to them. Finally they allowed me to take pics of documents and I sent it to PB. Mind you this should be the job of claims department in PB and now I am doing their job. I called them and said I have sent the pics and this guy Karan(who asked me to sent pics) said Vaishnav will follow up on your case soon. Till now no guy by the name of Vaishnav has called me. Today is my mothers discharge date and we are again going to apply for cashless with a new set of documents. So the part where you said PB will be there with you during claim process is utter bullshit. Its just you vs the insurance company. I will update this comment after today. Edit : Cashless claim denied again. Nobody from PB came to the hospital/checked with me/followed up with me. Now will apply for reimbursement when I receive the biopsy reports. So Mandeep all the points regarding insurance is fine but everything in the video regarding policybazaar is bullshit. They allot a relationship manager to us and the person will never call us. What irritated me most was that their claims department straight up lies to you saying that you will receive an update in 1 hour. But from yesterday to today nobody called me and I ended up calling them 8 times and received no update. If the reimbursement comes through the first thing I am going to do is to change from PB to a local agent. Since your motto is Jagruk Janta I think it falls on you also to update your viewers on how PB really do their claims.
@Adolf H Update : Paid the bill and currently applied for reimbursement via my corporate plan. Apparently STAR has a 2 year waiting period on certain surgeries. Policybazaar manager called me 3 days before asking for feedback. I just said I am not in a mood to talk to them since they were not there when I needed them the most. Anyways when I renew my policy I will be shifting from them to local agent who helped me tremendously.
So, this has been incredibly useful. I had almost finalized Tata AIG medicare plan but then I read my policy document and found "reasonable and customary clause". I found it there even though it was an individual policy. I then spoke to their customer care who did not have info about this clause. She complimented me on my knowledge and told me I was the first Customer who has asked this (Thank you LLA) She has now gone back to underwriter to see if they can remove this clause for Me. Thank you.
Hello Suraj, I am looking for medical insurance for my parents who have a lot of preexisting conditions. Could you tell me what you like about the Tata Aig?
@@0405divya yeah, that's a tough boat to sail. My mother has rheumotoid arthirtis and none of the companies had good plans for her. So, I opted for an group insurance super-top up policy provided by my alumni association. I also have my monther is also covered under my employee insurance. This is the hack I found, not sure if this is particularly useful.
So bro did they removed that clause for you specifically? or not. If not, Can you please share which medical insurance did you finally bought? I'm super confused with all these things. I need for my sister, individual.
Please note individual plans are standard products and such clauses are usually not waived off in retail products. Ask for the complete policy working of that plan in case of any doubt
Thankyou bhaiya!!!! apne jitne depth and achese samjaya utna toh koi apna bhi na kare. Itne simplified way mein aap jese guide karte ho kya hi batae ekdam trust sa baith jata h. As a student, your channel is the number one preference channel for any financial guidance that I need. Jabh koi sahise guide karne wala na mile tabh apka channel mila h ! Thanks again for offering this level reliability.
youtube is creating a difference with the help of you people. So much info in such structured manner and no money for it(for the viewers).Real thanks to you
Personal experience with LLA.... I have been watching you guys correcting our knowledge for last year and a half, i have forced Tata AIA to correct my policy due to miscommunication that happed when i took the policy. They agreed and solved my concerns. I asked my concerns with my health policy provider as well and seems to be fine there. I would really like to request you to provide us information regarding other types of insurance, like accidental insurance, critical illness insurance etc. Who should take these and what things should be taken care while taking these policies.🙏
Hi Nikhil, Can you please share what clause of Tata AIA insurance have you got corrected from the company? I also have recently bought TATA AIA insurance. Please share.
I always wonder why they don't teach us these topics in our educational institutions. Hats off to you for making such an elaborate and to the point video . I was about to buy my health insurance and this helps a lot . Thankyou for this super amazing video 🙏🏻🙏🏻🙏🏻
A highly complicated thing made very simple. Hell, the insurance was shocked when I asked him point by point all the things I need in a Health Insurance Policy. Kudos to the great work. Keep it up !
This is the content what peoples need actually, because no one can do this such kind of hard research on health insurance data, except our beloved LLA team, Mandeep Bhai love you yrrr😇
Sir the knowledge you are providing is no less than SAMAJ SEWA in its true form. Salute you and your team, for helping us, common people. Thank You Very Much.
Ohh..My god...I thought I knew a little about the health insurance but your research about the health insurance policies opened my eyes.. Great great video by LLA. Thank you so much.. Keep going on...Hats of to your hard work and dedication to bring awareness among common people.
Being in insurance sector, sir I strongly believe, there is very little consciousness regarding taking of health insurance. People just don't understand the need of it, until they themselves get hospitalised. I must thank you sir for spreading the right message and with correct information and simple explanation. People should be aware what they are taking, terms and conditions, so that clear transparency should be there while claim settlement.
There are so many youtube channels out here but never have i seen as much honesty and care reflecting through them as i see through Mandeep. Thank you 🌸
Amazing video Mandeep, I appreciate it. I am 24 and currently looking for health insurance and this video help me to resolve all my doubts. TH-cam channels like yours are truly knowledgeable and impactful for a common man. I also do a pretty good amount of savings every month for my future goals because you guys spread good knowledge about savings. Thank you so much. Love from Jaipur.
I think you should take health insurance from Star Health insurance company because this company comes on number one in health sector .claim ratio is 100%
I have been working in Health insurance since 13 years, Mandeep has covered all the topics,Inspite there are still many things which cant be covered in one video Excellent video Mandeep
thanks LLA. I personally went through all these problems during the recent admission of my relative ,who happens to be working in a pvt company with a 2 lakhs cover from the company. Total expense was 40K out of which I ended up paying 40per cent. I was searching for guidance for a health insurance policy. Luckily I saw this video ( few other videos of LLA i have also seen). Thanks for detailed analysis. It will be of great help when i go for a new policy.🙏
I've not seen such an elaborate and well-put video, even the description box is damn organized. The production quality of the video with multiple locations and multi-camera setup is something no one does. Cheers to the filmmaker in you. Thanks a ton, Mandeep bhai
Surgery or treatment charges are never linked to the room rent. Doctor visiting charges, consultation charges, medical supplies, equipment charges etc are only linked..
Thank you LLA, for also providing caption support in your videos. I never understood the importance of captions in a video. But, recently I had to visit a insurance office and required some knowledge regarding health insurance. But, I was in train and it involved a lot of noise. The captions helped me understand the video with ease. Thank you
Hey Mandeep, One more thing I wanted to clarify, the no claim bonus is up to 100% of your cover in most cases. I think this is something which should be kept in mind. Eg- If my policy is of 5lakh then maximum cover I will get is of 10lakhs.
Hi Mandeep I appreciate your effort on this video. My self am a insurance professional am in to Health insurance since from very long back, I would also like to urge with IRDA why to link Roomrent with other treatments costs.I really like this point. Brother I would like to correct you on 1 Point that, Group policy cannot be converted to individual policies,this much am sure.Becos I tried with many of my clients. Porting or conversion of GMP are not allowed, you can recheck on this point. About policy Bazar, I feel happy that you got Good response, But brother beleive me I have many clients misguided & harassed by policy Bazar. So policy Bazar has got quite negative remarks, so I won't advise or recommend policy bazar. Really great work, Keep Rocking
I agree, policy baazar has bad reviews on quora. LLA please be a little more responsible while recommending any such platform, I used to trust you guys a lot. @LabourLawAdvisor
Excellent! Just realized how blindly I used to renew my policy without verfying these important facts. Thank you. Incidentally, can you include how to change from one Health Insurance provider to another for the existing policy holder?
You guys are doing exemplary work by providing free, important and most useful information which actually is worth lakhs in valuation. Thanks a ton for providing such informative content and saving the time,effort and money of the ordinary people. God bless you. Keep progressing.
Best content on health insurance on internet in India. I was confused after reading policy documents. Sharing requirements list with Policy bazaar is a smart idea Mandeep sir 😊🙏
A big shoutout to Mandeep from my side, the attitude u carry in ur life is a great example of jagruk citizen. We all have slept or been in slumber for too long. Mandeep bro, learned a lot bout insurance and other financial related world from u. Please keep up the good work brother. U've our full support
@@LabourLawAdvisor haha great to know.. Consuming knowledge is the new high for us.. thanks for making these videos. Our parents must have really struggled to get information which is available to us at our fingertips. Continue the good work..
was in search of this level of clarification from so long.. thank you so much for hard work.. all the points provide a good way to start search of the desired product.. God bless..
Mandeep i dont have words to appreciate you and youtubers like you who are helping millions of people in making money and choosing best insurance for themselves. You are spreading much needed awareness in indians which our ancestors never had, you are also saving millions of lives by guiding people to take the best options available. We neeeded people like you who tell the truth, you are not only doing your job but you are also doing social work. Never change always be like you are.
Bhaiya mai khud Apollo hospitals Bilaspur Chhattisgarh me cashless processe krta hu apki videos dekh kr patient party ko samjhane me bahut help ho jati h thank you brother 👍👍😀
I really want to meet the person who write such long policy as this skill of writting long will really help me in exams to fill many pages. And he is a pro in this 😂😂
Thanks a lot i am watching your videos since I applied for PF settlement and I got my Pf settled online and I need not go anywhere and even this information is very informative and helpful for people.
In this video you have not mentioned two things; the claim settlement ratio of each company and claim on consumables (cotton, gauze, syringes, etc.). Also, despite having a cashless facility, most netwotk hospitals will still ask for a security deposit of 50k to 100k, which is 100% refundable.
Thx a lot for clearing so many doubts sir, and hats off for the research you did for this video. Just 2 more doubts left : 1) difference between super top and taking one more independent policy. 2) should we taking riders with health insurance or term insurance (you may make a video on this)
1. Super top-up is cheap and doesn't come with restrictions, which is why we take that and not a 2nd base policy. 2. You may opt for rider, or you can take standalone policies such as critical illness policy
Super topup is very cheap if you compare the premium of higer sum assured policy at higher age and a base policy with super topup the difference will be to high at age above 60
Some policies provide riders such as cancer ... covering Consumebeles items like stringe cotton ppe kit etc and many more company wise some riders are good .. of I will explain productwise money minded Mandeep will delete my comment because he wants you to call policy bazar through his affiliate link
Super top up lena tab hi zaruri hai jab aapka basic plan bahut kum ka hoga. Rider woh lene chahiye jo aage fayde denge such as Claim protector, Sum insured protector, Critical illness cover etc. invest2createwealth@yahoo.com
Last year mar. 22 . My room rent was 2400 (by hospital) for 4 days total 8800 rupee. But Care health cover 800 / day i.e my total room charge become 2400 fir 3 days. My sum assured was 10 lakh ..... Apart from this hospital charged 1000 per day oxygen charges without showing any standard charge list. And on discharge day they delayed so much that instead of 3 days admission it goes to 3.5 day (4 days round figure calculated later) And due to room rent hospital prepare bill apprx. 25000 but care health deducted and cleared 19000 bill. Well although I haven't paid any extra amount but hospital finance staff was not nice and saying next time we won't accept care health policy. Due to this next time in aug. 22 for same case we went to Govt. Hospital. Where total expense was almost 4-5 thousand. But care health was very well and professional.. Thanks to them
Absolutely wonderful bro. I am watching this video after 2 years. I have not come across such a detailed information anywhere. I got exactly what I wanted. Thank you so much bro... 🙏
Wow! Got this video recommendation at very right time, I am going to take a health insurance policy tomorrow, now I will ask all these questions. Thank you very much for this very important video!!!
Sorry bro. Still, watch this video and check whether you bought the right plan or not. If not, then you still cancel and get the full refund back (15 days free look period means you can ask for full refund) and get the right plan
I am currently 18 years old and not even earning anything but thing is that ,my Family is a victim of this Barbaric Insurance policies and due to that we are still suffering,but thing is that I am glad to see videos like this which can spread awareness and I am glad to know more and more about it so that in future I won't repeat the same mistake
Best way to judge policy is to check with hospital's which company insurance settle with less hassle. I got feedback HDFCAGRO and TATAAIG from 2 hospitals.
1. room rent cap? should not be 1% linked with base cover 2. sub limit on diseases - should not be there 3. co pay should not be there 4. zonal poilcy nahi honi chahiye go for pan india policy 5. reasonable and customery clause nahi honi chahiye - ki agr saste mei ilaj hoskta tha to utna hi denge 6. top up nahi super top up leneka 7. pre hospitalization and post hospitalization kitne din ka hai? 8. daycare coverage? 9. waiting period? 10. pre existing disease ka 11. waiting period? 12. slow growing disease 13. waiting period? 14. no claim bonus? 15. ambulance charges? 16. cashless hospitalization? 17. free health checkup? har saal karwae or file mei lga k rakhe
Wonderful what a coincidence sir.from last few couple of days I was thinking about health and life insurance and you made video on that thanks 🙏 “Dil se dil ka rista”
Delay to h lakin great content take time aur dekh kar laga bhi, yeh video kafi confuse karne wali thi but thanks Mandeep bhai ❤️ kafi dino se wait kr rha tha
This is by far the best investment related TH-cam channel. Even as a beginner, I’ve learnt so so so much. Thanks for all of these super informative videos
Thank you Mandeep bhai, Apne almost all Indians ni bhot badi headache ko solve kia h iss video se. Me na jane kitane time se insurance lena chahta tha but just because of these complications i was not able to choose . I am really thankful to you and god will bless you for these kind of helpful videos....
Hey Mandeep you are the only TH-camr who's videos I like even before starting to view it. Your content is awesome, your presentation is crisp and your research is unbiased. It's very rare to find genuine content in this ocean of misleaders but again gems are rare to find and I am happy I found you. Keep up the great work. Proud of you. In gratitude - ZS
I cannot even express how wonderful and informative this video was. I was looking for a health insurance for a while but was always so confused. You solved a BIGGG problem for me. Wish you and your channel more successful! Bless you man! Liked, shared and subscribed!
Health Insurance: health.lla.in
Term Insurance: term.lla.in
COURSES: lpti.lla.in
Health insurance mei doctor visiting fees and medicine ka paisa include hota hai kya? Please batao.
Mera income 10400 hai .uss mei sei kya bachau ,kya insurance lu ya fir investment karna chahiye .please batao
Sir firhsa kya content creation to promote policy bazaar .. seedha seedha logho ko policy bazaar ko use karna kai liya bola without telling which health insurance is best or top 5 ... Logho ko bola ki yah policy bazaar vala bataya gai then unhka affiliate link diya ... Mostly people will search google and click on google adwords and Google will earn and go to policy bazaar ... It's difficult to believe ki policy bazar sai sponsered nahi hai
Mujhe HLA-B27 positive hai ye ek health problem hai, autoimmune diseases, ya ankylosing spondylitis and reactive arthritis. Ka problem hai... Please mujhe ek health policy lena hai but policy bazar se kafi sara company try kiya but koi policy nahi de raha... Cigna ka policy mila ek agent se but lene k baad pata chala ki unhone mere problem k bare mein kuch kaha nahi company ko. Isliye us policy ko renew nahi kiya... Please guide kare main wait kar raha hoon.🙏
in case of health policy did day care cover the doctor fee , test fees ( some tests are very costly ) , and medication charges i have put my health insurance on hold because my friend claim got rejected because of day care rule his one day whole bill was 27k and his policy said that you have to take hospitalization and discharge receipt and it should be atleast 4 hours , one more question company me jo group insurance milta h aur individual insurance me kya difference hota h
I am Doctor Myself but knew not much despite having a policy since 13 years though never needed to claim it You cleared all My doubts thanks a lot we Share & Discuss your Video with our Team so all can benefit form this Wonderful Effort You have Put in
Zindagi bhar bas bio padte rahoge toh kaise pata chalega bhai
Don't discuss too much, then the companies will start making new rules which will be even more wicked and then we'll have to look for different conditions applied through microscope🤣🤣🤣
@@bhaveshpingale5941 nahi padhe to aap jaise logon ki treat aise karenge!?
Awesome video
Meri family m 3 sibling or parents hai to hme konsa premium plan best rhega koi bta skta h please
Wish we had such teachers in every school for financial independence.
Loved this video. Very helpful and informative.
** Super Top up is very important because when a hospital sees that you have a huge base plan, they usually charge more and add more tests so they can grab as much money as they can, but if you've a limited base plan and add top up with it, hospital can't see the full amount you have so they charge less and don't usually add extra tests that you don't really need.
very good point
I am a branch manager in SBI and selling Health Insurance since many years but didn't know about such technicalities. Now I will be able to better understand the product offered by my bank.
Thank you
Pls be vigilant. U may be a last ray of hope to someone.
Are you ashamed of yourself?
Hey Mandeep after studying all the points in the video I had purchased an health insurance policy of Star Health for my parents from policybazaar in 2021 July.
Last week my mother was admitted in their network cashless hospital and the hospital insurance desk sent a request to STAR for claiming cashless facility. However Star sent a list of documents to be submitted by the hospital like past records scan reports and a biopsy report. Everything except the biopsy report was sent from the hospital since my mother had the surgery only on 14th and biospy result will take 10 days. But Star has now initially denied the cashless claim saying that required documents were not submitted.
Here comes the policybazaar part. Hospital authorities asked us to consult with my agent as Star has denied the initial claim. And I called the relationship manager of policybazaar allotted to me. And funny enough that person said she is not my relationship manager and she will arrange a callback from the manager. Now if she was not my manager then why did PB sent tons of mails wishing me happy new year and all from her number mentioning her as manager.
And I received the call after 2 hours. As you said in the video you need to know the mental state of the people in hospital and you said PB will help. Now the new person asked me to ask the hospital to sent the documents to policybazaar. Then I had to go to insurance desk and ask them to sent them to my agent which they said they wont as they are not authorized to share it with third parties. I called him again and mentioned this and now he was saying that yes they wont share since we are a third party. Then why the hell did he waste my time asking the hospital to sent it to them. Finally they allowed me to take pics of documents and I sent it to PB. Mind you this should be the job of claims department in PB and now I am doing their job. I called them and said I have sent the pics and this guy Karan(who asked me to sent pics) said Vaishnav will follow up on your case soon. Till now no guy by the name of Vaishnav has called me.
Today is my mothers discharge date and we are again going to apply for cashless with a new set of documents. So the part where you said PB will be there with you during claim process is utter bullshit. Its just you vs the insurance company. I will update this comment after today.
Edit : Cashless claim denied again. Nobody from PB came to the hospital/checked with me/followed up with me. Now will apply for reimbursement when I receive the biopsy reports. So Mandeep all the points regarding insurance is fine but everything in the video regarding policybazaar is bullshit. They allot a relationship manager to us and the person will never call us. What irritated me most was that their claims department straight up lies to you saying that you will receive an update in 1 hour. But from yesterday to today nobody called me and I ended up calling them 8 times and received no update.
If the reimbursement comes through the first thing I am going to do is to change from PB to a local agent. Since your motto is Jagruk Janta I think it falls on you also to update your viewers on how PB really do their claims.
Thanks for telling truth of pb sir's had doubt about them too
How does TPA help
@Adolf H Update : Paid the bill and currently applied for reimbursement via my corporate plan. Apparently STAR has a 2 year waiting period on certain surgeries.
Policybazaar manager called me 3 days before asking for feedback. I just said I am not in a mood to talk to them since they were not there when I needed them the most. Anyways when I renew my policy I will be shifting from them to local agent who helped me tremendously.
Thanks for exposing policy bazaar
He liked everyone s comment but not urs, not even replied
Sleeping IRDAI..Very well said Mandeep bhai.
Logical thinking if had persisted we would had better healthcare and educational facility in our country
I have never learned about insurance with THIS level of depth. Loved how it was all straight-to-the-point and so informative! Definitely worth a like!
So, this has been incredibly useful. I had almost finalized Tata AIG medicare plan but then I read my policy document and found "reasonable and customary clause". I found it there even though it was an individual policy.
I then spoke to their customer care who did not have info about this clause. She complimented me on my knowledge and told me I was the first Customer who has asked this (Thank you LLA) She has now gone back to underwriter to see if they can remove this clause for Me.
Thank you.
Hello Suraj, I am looking for medical insurance for my parents who have a lot of preexisting conditions.
Could you tell me what you like about the Tata Aig?
@@0405divya yeah, that's a tough boat to sail. My mother has rheumotoid arthirtis and none of the companies had good plans for her. So, I opted for an group insurance super-top up policy provided by my alumni association. I also have my monther is also covered under my employee insurance. This is the hack I found, not sure if this is particularly useful.
So bro did they removed that clause for you specifically? or not.
If not, Can you please share which medical insurance did you finally bought? I'm super confused with all these things. I need for my sister, individual.
Please note individual plans are standard products and such clauses are usually not waived off in retail products. Ask for the complete policy working of that plan in case of any doubt
Thankyou bhaiya!!!! apne jitne depth and achese samjaya utna toh koi apna bhi na kare. Itne simplified way mein aap jese guide karte ho kya hi batae ekdam trust sa baith jata h. As a student, your channel is the number one preference channel for any financial guidance that I need. Jabh koi sahise guide karne wala na mile tabh apka channel mila h ! Thanks again for offering this level reliability.
This video is the reason why LLA stands out from all other financial channels.
You'll reach many great heights. Keep doing the work.
This videos shows that most insurers are covering up ways NOT to pay or pay fully. Thanks to people like you and Swati madam to open our eyes.
M̶o̶s̶t̶ EVERY insur... NOT to pay...
because, "This is Business."
youtube is creating a difference with the help of you people. So much info in such structured manner and no money for it(for the viewers).Real thanks to you
Personal experience with LLA....
I have been watching you guys correcting our knowledge for last year and a half, i have forced Tata AIA to correct my policy due to miscommunication that happed when i took the policy. They agreed and solved my concerns.
I asked my concerns with my health policy provider as well and seems to be fine there.
I would really like to request you to provide us information regarding other types of insurance, like accidental insurance, critical illness insurance etc. Who should take these and what things should be taken care while taking these policies.🙏
Hi Nikhil, Can you please share what clause of Tata AIA insurance have you got corrected from the company? I also have recently bought TATA AIA insurance. Please share.
सर आपकी मेहनत को प्रणाम
आपके समझने का तरीका हम जैसे किसानों को भी समझ आ गया। इसे कहते है एक अच्छा शिक्षक और वक्ता।
I always wonder why they don't teach us these topics in our educational institutions. Hats off to you for making such an elaborate and to the point video . I was about to buy my health insurance and this helps a lot . Thankyou for this super amazing video 🙏🏻🙏🏻🙏🏻
Salute to Labour Law advisor team, Hats off.
Without watching giving a like ✌🏻🙏 thats d kind of trust you have gained for the people 🤝
A highly complicated thing made very simple. Hell, the insurance was shocked when I asked him point by point all the things I need in a Health Insurance Policy. Kudos to the great work. Keep it up !
This is the content what peoples need actually, because no one can do this such kind of hard research on health insurance data, except our beloved LLA team, Mandeep Bhai love you yrrr😇
I have learnt all this over 5 years and 10 surgeries. Brilliant video. Gold
This is one of the few videos that I will make notes in my diary and save it for the future for me and for others
Same bro
Sir the knowledge you are providing is no less than SAMAJ SEWA in its true form.
Salute you and your team, for helping us, common people.
Thank You Very Much.
Have only watched it for 5 mins, but am already blown away by the editing and the creativity of dealing with this really hard topic. Awesome job!
Ohh..My god...I thought I knew a little about the health insurance but your research about the health insurance policies opened my eyes..
Great great video by LLA. Thank you so much.. Keep going on...Hats of to your hard work and dedication to bring awareness among common people.
This video is the prime example of how a boring topic can be made interesting and exciting!
Thank you so much 🔥❤️
disrespect in a respected way is the prime example of your comment
*Exciting !
Yesss
@@prashantkumar2555 lol
you have set example on how to simplify your needs for health insurance.
Hats off for your hard work and clear presentation👍🏻
Being in insurance sector, sir I strongly believe, there is very little consciousness regarding taking of health insurance. People just don't understand the need of it, until they themselves get hospitalised.
I must thank you sir for spreading the right message and with correct information and simple explanation. People should be aware what they are taking, terms and conditions, so that clear transparency should be there while claim settlement.
I was searching for the most detailed analysis of Health insurance. I didn't knew even basics...this video helped the most
You n Whole LLA making people aware. Its a noble cause itself. God bless you
There are so many youtube channels out here but never have i seen as much honesty and care reflecting through them as i see through Mandeep.
Thank you 🌸
Thanks you so much, means a lot ❤️
Amazing video Mandeep, I appreciate it. I am 24 and currently looking for health insurance and this video help me to resolve all my doubts. TH-cam channels like yours are truly knowledgeable and impactful for a common man. I also do a pretty good amount of savings every month for my future goals because you guys spread good knowledge about savings. Thank you so much. Love from Jaipur.
Love received, in Jaipur 🔥❤️
I think you should take health insurance from Star Health insurance company because this company comes on number one in health sector .claim ratio is 100%
Thankyou Mandeep bahut hi sahi tarike se ek ek point clear Kiya.
P s bindra from raipur
@@himanshithakur9597 Their services have drastically gone down after the IPO release.
@@thequirkymusafir did you seen that in corona time only the star health insurance company were helping and that time company provides 7cr. Claim
I have been working in Health insurance since 13 years, Mandeep has covered all the topics,Inspite there are still many things which cant be covered in one video
Excellent video Mandeep
Pls highlight such uncovered aspects
App hi bata do na bhai
thanks LLA.
I personally went through all these problems during the recent admission of my relative ,who happens to be working in a pvt company with a 2 lakhs cover from the company. Total expense was 40K out of which I ended up paying 40per cent.
I was searching for guidance for a health insurance policy. Luckily I saw this video ( few other videos of LLA i have also seen).
Thanks for detailed analysis. It will be of great help when i go for a new policy.🙏
Eye opener video for literally anyone who has no idea of insurance policies. deserves a applause 👏
I've not seen such an elaborate and well-put video, even the description box is damn organized. The production quality of the video with multiple locations and multi-camera setup is something no one does. Cheers to the filmmaker in you.
Thanks a ton, Mandeep bhai
true , great content video !
I had seen many videos on youtube related to "How to buy Health Insurance?" I must say this was the best informative video. You covered all points.
Surgery or treatment charges are never linked to the room rent. Doctor visiting charges, consultation charges, medical supplies, equipment charges etc are only linked..
Thank you LLA, for also providing caption support in your videos. I never understood the importance of captions in a video. But, recently I had to visit a insurance office and required some knowledge regarding health insurance. But, I was in train and it involved a lot of noise. The captions helped me understand the video with ease.
Thank you
Sir आपने बहुत ही जागरूक करने का काम किया है बहुत बहुत धन्यवाद
Hey Mandeep, One more thing I wanted to clarify, the no claim bonus is up to 100% of your cover in most cases. I think this is something which should be kept in mind. Eg- If my policy is of 5lakh then maximum cover I will get is of 10lakhs.
Yes Very right
Yeah
Blown away by this video.. the way you convey information is excellent. Thank you so much
Being a noob in this field
I sincerely thank you so much for clearing all my doubts about health insurance ❤️
Hi Mandeep I appreciate your effort on this video.
My self am a insurance professional am in to Health insurance since from very long back, I would also like to urge with IRDA why to link Roomrent with other treatments costs.I really like this point.
Brother I would like to correct you on 1 Point that, Group policy cannot be converted to individual policies,this much am sure.Becos I tried with many of my clients. Porting or conversion of GMP are not allowed, you can recheck on this point.
About policy Bazar, I feel happy that you got Good response, But brother beleive me I have many clients misguided & harassed by policy Bazar. So policy Bazar has got quite negative remarks, so I won't advise or recommend policy bazar.
Really great work, Keep Rocking
not policy bazzar then what should i prefer for health insurance ?
@@napiergrass8717 Go to your nearest police agent or office & make sure all needs criteria will fulfill their policy
हर चीज ऑनलाइन अच्छी नही...बड़ी कम्पनियो के अलावा भी देश मे कई लोग है...जिन्हें रोजगार की आवश्यकता है...
Correct policy bazar is total fraud
I agree, policy baazar has bad reviews on quora. LLA please be a little more responsible while recommending any such platform, I used to trust you guys a lot. @LabourLawAdvisor
By far THE BEST video on BUYING HEALTH INSURANCE. Thank you very much for explaining each and every thing specially those LOCHA/SCAMS in very detail.
Been watching so many videos to clear out my confusions regarding this. Trust me guys! This is by far the best video I have found. So helpful. Thanks
Excellent! Just realized how blindly I used to renew my policy without verfying these important facts. Thank you.
Incidentally, can you include how to change from one Health Insurance provider to another for the existing policy holder?
Yes you can easily change.
@@priyanjalisingh1120 how?
You guys are doing exemplary work by providing free, important and most useful information which actually is worth lakhs in valuation.
Thanks a ton for providing such informative content and saving the time,effort and money of the ordinary people.
God bless you.
Keep progressing.
Best content on health insurance on internet in India. I was confused after reading policy documents. Sharing requirements list with Policy bazaar is a smart idea Mandeep sir 😊🙏
क्या जबरदस्त समझाया भाई, पुरा दिमाग मे घुस गया। सारे points cover कर लिये। This is the final video. My search ends here. Thanks to you !
A big shoutout to Mandeep from my side, the attitude u carry in ur life is a great example of jagruk citizen. We all have slept or been in slumber for too long. Mandeep bro, learned a lot bout insurance and other financial related world from u. Please keep up the good work brother. U've our full support
Watching Labour Law videos at 2 am instead of binge watching Netflix- how times change.. #growingup
Reading comments at 2 am instead of binge-watching Netflix ❤️😀
@@LabourLawAdvisor haha great to know.. Consuming knowledge is the new high for us.. thanks for making these videos. Our parents must have really struggled to get information which is available to us at our fingertips. Continue the good work..
age pls...iam doing the same and i want to know are you late in life or am i?
@@sandeepdamseth1833 I m 30. Let me know yours as well.
@@Shreyarora1 iam late brother..34
I wanted m planning to buy health insurance. Perfect timing of video. Thanks
was in search of this level of clarification from so long.. thank you so much for hard work.. all the points provide a good way to start search of the desired product.. God bless..
Mandeep i dont have words to appreciate you and youtubers like you who are helping millions of people in making money and choosing best insurance for themselves. You are spreading much needed awareness in indians which our ancestors never had, you are also saving millions of lives by guiding people to take the best options available. We neeeded people like you who tell the truth, you are not only doing your job but you are also doing social work. Never change always be like you are.
Bhaiya mai khud Apollo hospitals Bilaspur Chhattisgarh me cashless processe krta hu apki videos dekh kr patient party ko samjhane me bahut help ho jati h thank you brother 👍👍😀
Your channel doing social service in real sense.. 💓
I really want to meet the person who write such long policy as this skill of writting long will really help me in exams to fill many pages.
And he is a pro in this 😂😂
This guy deserves an award...
IRDA - Sun Raha hai na tu...?
Iss video ko like karne iccha 2-4 baar ho gayi par apsos ekk hi baar kar sakte hai 😅.
You are doing a great job people.
Thanks a lot i am watching your videos since I applied for PF settlement and I got my Pf settled online and I need not go anywhere and even this information is very informative and helpful for people.
This has been more complex than I expected it to be! Great efforts Team LLA 👏👏👏
Hi, I think "Incurred Claim Ratio" should also be kept in mind when selecting Health Insurance Policy.
Incurred claim ratio is used to check the profitability of a group health policy.
I believe you meant claim settlement ratio
No I think no need
@Ajay Kumar and why do you think so?
In this video you have not mentioned two things; the claim settlement ratio of each company and claim on consumables (cotton, gauze, syringes, etc.). Also, despite having a cashless facility, most netwotk hospitals will still ask for a security deposit of 50k to 100k, which is 100% refundable.
Kudos for such quality content without any brand sponsorship! It’s rarity! Great work! 🤗
He is not only creating awareness for patients but also creating for doctors and insurance companies
Best video on health insurance. Didn't knew about the Room Rent Capping.
Thx a lot for clearing so many doubts sir, and hats off for the research you did for this video.
Just 2 more doubts left :
1) difference between super top and taking one more independent policy.
2) should we taking riders with health insurance or term insurance (you may make a video on this)
1. Super top-up is cheap and doesn't come with restrictions, which is why we take that and not a 2nd base policy.
2. You may opt for rider, or you can take standalone policies such as critical illness policy
Super topup is very cheap if you compare the premium of higer sum assured policy at higher age and a base policy with super topup the difference will be to high at age above 60
Some policies provide riders such as cancer ... covering Consumebeles items like stringe cotton ppe kit etc and many more company wise some riders are good .. of I will explain productwise money minded Mandeep will delete my comment because he wants you to call policy bazar through his affiliate link
Super top up lena tab hi zaruri hai jab aapka basic plan bahut kum ka hoga.
Rider woh lene chahiye jo aage fayde denge such as Claim protector, Sum insured protector, Critical illness cover etc.
invest2createwealth@yahoo.com
Proportionate deduction clause for room rent is not applicable on overall claim
Hello, I think a important point while taking a policy is restoration benifits. Thats something one should really look into while taking a policy.
Last year mar. 22 . My room rent was 2400 (by hospital) for 4 days total 8800 rupee. But Care health cover 800 / day i.e my total room charge become 2400 fir 3 days. My sum assured was 10 lakh .....
Apart from this hospital charged 1000 per day oxygen charges without showing any standard charge list. And on discharge day they delayed so much that instead of 3 days admission it goes to 3.5 day (4 days round figure calculated later)
And due to room rent hospital prepare bill apprx. 25000 but care health deducted and cleared 19000 bill. Well although I haven't paid any extra amount but hospital finance staff was not nice and saying next time we won't accept care health policy.
Due to this next time in aug. 22 for same case we went to Govt. Hospital. Where total expense was almost 4-5 thousand.
But care health was very well and professional.. Thanks to them
Which city are you from?
Absolutely wonderful bro. I am watching this video after 2 years. I have not come across such a detailed information anywhere. I got exactly what I wanted. Thank you so much bro... 🙏
The " Room Rent Locha " was an eye-opener for me.
Wow! Got this video recommendation at very right time, I am going to take a health insurance policy tomorrow, now I will ask all these questions.
Thank you very much for this very important video!!!
Hello Vikas My Self Shamsher health coach business owner constant I want to talk to you
Konsi policy liya bhai
Just bought My health Insurance Yesterday, postponing it since very long and today You dropped this video 🙄✌🏻
Sorry bro.
Still, watch this video and check whether you bought the right plan or not. If not, then you still cancel and get the full refund back (15 days free look period means you can ask for full refund) and get the right plan
@@LabourLawAdvisor Thanks I didn't know that. 👍
@@LabourLawAdvisor There can still be slight deduction for stamp duty, medical checkup cost and few here and there. So, not 100% refund.
Which company’s policy did you buy?
Mandeep Bhai, CRITICAL ILLNESS & ACCIDENTAL INSURANCE - Can you please make a video on how to select the best for these two Insurances????
I am currently 18 years old and not even earning anything but thing is that ,my Family is a victim of this Barbaric Insurance policies and due to that we are still suffering,but thing is that I am glad to see videos like this which can spread awareness and I am glad to know more and more about it so that in future I won't repeat the same mistake
What happened, if you can share others will be protected
yes please share what happened in your case. It can be helpful for many like us.
Best way to judge policy is to check with hospital's which company insurance settle with less hassle. I got feedback HDFCAGRO and TATAAIG from 2 hospitals.
For certain policies, there is premium increase clause after certain age like 35 years, 40 years, etc. You should shed some light on this.
1. room rent cap? should not be 1% linked with base cover
2. sub limit on diseases - should not be there
3. co pay should not be there
4. zonal poilcy nahi honi chahiye go for pan india policy
5. reasonable and customery clause nahi honi chahiye - ki agr saste mei ilaj hoskta tha to utna hi denge
6. top up nahi super top up leneka
7. pre hospitalization and post hospitalization kitne din ka hai?
8. daycare coverage?
9. waiting period?
10. pre existing disease ka 11. waiting period?
12. slow growing disease 13. waiting period?
14. no claim bonus?
15. ambulance charges?
16. cashless hospitalization?
17. free health checkup? har saal karwae or file mei lga k rakhe
Thank you
Thanks man. I didn't sleep till 4am last night.. this video saved me some more research hrs. 👍
Being an agent even I am not aware of few points u have discussed ... Thank you
Mandeep you are saviour ,
Such easy and detailed information is very useful ,
Even laymen understand easily ,
Wonderful what a coincidence sir.from last few couple of days I was thinking about health and life insurance and you made video on that thanks 🙏
“Dil se dil ka rista”
Thank you for covering top-up and super top also. Most people don't talk about this.
Hello Mayank I had to talk to myself
Delay to h lakin great content take time aur dekh kar laga bhi, yeh video kafi confuse karne wali thi but thanks Mandeep bhai ❤️ kafi dino se wait kr rha tha
I am yet to take a policy and was very confused. Your video opened my thinking. Thanks
This is most comprehensive detailed video on health insurance..
It is must watch video before buying any Health insurance plans
Thanks you LL Team
25 saal ki umar mein theek se hagna nahinaata tha mujhe!! Good work
Bada late sikhe hagna. Chalo kam se kam hag to liye.
@@johnnywalker5108 kitna meetha bolte ho, tumhari galti nahi hai naam english hai peete to tum mastana hi hoge!! Koi na mauj le bhai
This is GOLD
I repeat...This is GOLD
Fantastic effort Mandeep, you gonna receive lifetime of blessings for making this video! Thank you!
I really guarantee, if this alone video is enough for all clearence of all doubts regarding Health insurance
This is by far the best investment related TH-cam channel. Even as a beginner, I’ve learnt so so so much. Thanks for all of these super informative videos
Appreciate your hard work from bottom of my heart..❤️🙏🙏🙏🙏
Sir, can you make detail video on health insurance portability? Terms and conditions that we need to know while switching.
I fought with my prev employeers insurance provider in 2014 to port the group parental policy out into individual. Took 6 months but happened.
Thank you Mandeep bhai, Apne almost all Indians ni bhot badi headache ko solve kia h iss video se. Me na jane kitane time se insurance lena chahta tha but just because of these complications i was not able to choose . I am really thankful to you and god will bless you for these kind of helpful videos....
Hey Mandeep you are the only TH-camr who's videos I like even before starting to view it. Your content is awesome, your presentation is crisp and your research is unbiased.
It's very rare to find genuine content in this ocean of misleaders but again gems are rare to find and I am happy I found you. Keep up the great work. Proud of you. In gratitude - ZS
I cannot even express how wonderful and informative this video was. I was looking for a health insurance for a while but was always so confused. You solved a BIGGG problem for me. Wish you and your channel more successful! Bless you man! Liked, shared and subscribed!
My curiousty to know about health insurance ends here, perfect video 👍🏻
How to check real Claim settlement ratio online from IRDI for all companies?
Was having 0 knowledge on health insurance today got to know the Bold parts in purchasing the health insurance.