Health Insurance Guide : How to choose a Medical Insurance?
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- เผยแพร่เมื่อ 8 ก.พ. 2025
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Choosing the Right Coverage:
A cover between ₹10-20 lakhs is generally recommended to avoid the risk of inadequate coverage.
Medical costs, rising at a rate of 10+% due to inflation, make lower coverage less effective over time.
Policies may offer higher protection through features like base cover, no-claim bonus, and restoration benefits.
Buying a Health Insurance Policy:
Consider key factors before purchasing, such as selecting a reputable insurer based on claim settlement ratio, network hospitals, track record, and product portfolio.
Essential features in a good policy include :
no room rent restrictions,
no co-payment clause, a
no-claim bonus of at least 50%, a restoration benefit of at least 100%,
short waiting periods for pre-existing conditions,
pre and post-hospitalization care,
coverage for daycare treatments, and a
free annual health checkup.
Choosing Health Insurance for Families:
Family floater plans are recommended for families, covering all members under a single contract.
While some insurers restrict dependents to spouses and children, a family floater plan is operationally less intensive, cost-effective, and generally extends the benefits of individual health policies.
It's a suitable option for insuring children under 18 and provides comprehensive coverage for the entire family.
Note: Do your due diligence before choosing an insurance.
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@useful.information.boosan - your video is perfrectly fine, but you missed to cover - SUPER TOPUP plan. It is must (considering medical inflation) along with base plan with low monthly premium and high benefit when base plan ran out of its total limit and need to pay more.
Recently watching your videos. Selecting very useful topics which is what is need of the hour. Your presentation is very good. Covering all the valid points in all important topics. Very useful. U r boon for tamil known people. Good clarity, good knowledge in choosen subjects. Good presentation. Useful topics & content. Hatsoff to u. Good social service. God bless♥️♥️♥️
Really helpful about health insurance
Where we can find the checklist sir.
25% Discount kaga Online la buy panuna..Then Who will support in our Claim Situation..
Vera level taliva! Ema periya matter-a evalavu suriki solitaru.
0:13 - Why health insurance is needed?
1:42 - How to decide the coverage amount? (Check the hospital menu in your town)
2:44 - Individual vs Family Floater Plan (Floater has less premium)
3:45 - Combining similar age group and Tax benefits
4:33 - Example in Policy Bazaar
4:53 - When to take a health insurance? (We are already late)
5:46 - Corporate Policy vs Person Policy (Really on yourself)
7:13 - How to select a policy? (Important points)
7:17 - 1) Cash-less claim and Network Hospital
8:49 - 2) Co-Payment (Stay away)
9:17 - 3) Room rent limit (take limitless)
10:21 - 4) Waiting period (less waiting period)
11:15 - 5) Permanent Exclusions
11:53 - 6) Restoration of Coverage
12:16 - 7) Pre and Post - Hospitalization Care
12:27 - 8) Daycare treatments
12:52 - Live Demo
Very good info on importance of Health insurance. You articulated it well and clarified common queries. Good job. 👍
ஒரு பாதுகாப்பு வாழ்க்கையையே ,ஒரு வீடியோவை சொல்லிட்டிங்க really great 🎉
Thinking of getting health policy for the past one month. Right time to enlighten many like me. Good job.
I see many people asking for a best health insurance policy in comments. There is no policy that is best for everyone. Each person should do his own research by considering their family member's health conditions, age and their income. Finding the right one is a very difficult task. Read each and every line in the policy wording document and clarify your doubts as much as possible with the respective insurance company's agent.
@@joshua_joel_j 👍 யாருக்கும் தெரில தனக்கு எது சரியானது என்று...
Anna i came across your channel today... Really informative and helpful. THANKYOU so much Na.. love your presentation too ❤
Clear explanation to choose the health insurance for beginners. Thanks for sharing the checklist document.
Just now subscribed your channel why because your informations were very clear and straightforward in addition to it is very useful .. thank you for sharing such informative contents… Good luck 🤞
Hello Boosan Sir..I have query regarding navi nifty50 index tax saver.. which has very less expense ratio of 0.1% where I have a doubt because of less expense ratio this will not perform well or it will..??
I have 2 points to discuss with you please help me out with more clarity on the elss fund..
Point 1 - Wat is the procedure to cancel elss inbetween..?? If yes wat will be the charges..!! If not possible then point 2..!
Point 2 - For the next year should I continue investing on the same navi nifty50 index tax saver or else should I choose other elss than this like as IIFL nifty50 index tax saver
Expecting your reply on this will be very helpful for me..Thanks in advance
Worth information bro. I have many doubts and now I'm good to do a health insurance. All the best bro. Keep rocking 🎸🎶🎶
Your way of explaining is neat and simple good job 🤝
Super brother . மிக தெளிவான விளக்கம்
Very useful video . Lots of my doubts on health insurance got clarified. Thank you so much
Hi Boosan useful information can you elaborate on criticall illness also along with health insurance
Thanks brother. I was wondering how to take the insurance and what criteria should be considered for the insurance. It was an eye opener. Thank you
Today only I visit Policy Bazaar , now I watched your Video, Helpful For me, my age 29 Unmarried, Which is best insurance For me, Someone Can Suggest Me.! I Am Choosing , 1.HDFC ERGO, 2.TATA AIG.3.CARE HEALTH insurance
Star health or tata health இன்சூரன்ஸ்
@@dbhuvaneshwari8148star health insurance best ஆ மேடம் கிளைம் குளருபடியாக உள்ளது என்று சொல்கிறார்கள்
enna bro choose pannuninga?
Bro how did you developed your financial knowledge. Can you please make a video of that journey from your scratch to the stage you are now... Please
கண்ணா சூப்பர் நீங்க சொல்றதெல்லாம் சரியாக தோன்றினாலும் குழப்பங்கள் உள்ளன அதனால் நீங்களே எந்த கம்பெனி இன்சோர்ஸ் எடுக்கலாம் என்பதை தெரிவித்து விட்டால் நன்றாக இருக்கும்
@@kanagarajramasamy6300 Ungaloda Age and Health Condition vachu than sir choose pananum best Plan
@@kanagarajramasamy6300 எந்த இன்சூரன்ஸ் வேணும் என்று நீங்கள் மட்டுமே முடிவு செய்ய வேண்டும்
I come to know so many new facilities in health insurance policy from your video. Thank you so much. This video is very much useful to take health insurance policy which is best in this situation.
Best explanation. Hope Many people will get knowledged n benefited.
please clarify below point -
Relying on Corporate Cover - If we having two Health Insurance one from Office Corporate account and another one Individual health insurance can able to claim both at the time ex. 4L means - 2L/2L
Hahaha I wish. Let’s say treatment cost is 1 lakh you can’t get 1 lakh from each. However if the treatment cost is 3 Lakhs, you can get 2 Lakhs from
One and another lakh from another insurer. This was my last experience please check with the company before taking the policy.
hi, good information to current generation, were essential to adhere this information.
Very much useful & informative
Best youtuber in Tamil ❤
Super 🎉🎉🎉 ,
your financial advice its very use full for me bro, excellent 🎉🎉🎉
Really a useful video with enough information. Thank you
Niva Bupa ReAssure doesn’t have enough coverage for robotic surgeries. Care Supreme with few additional add-ons can give you much better benefits. I couldn’t see that in your comparison. And, claim settlement ratio of STAR is too poor. My suggestion is not to consider STAR and opt for Hdfc ergo/ Care.
Reimbursement Health insurance policy entha company providing bro? Admission at any hospital and submission of medicals bills and getting Reimbursement
clarity 200% 👍
Perfect Detail explanation, wish you more success Boosan bro.
Super bro.. தெளிவான விளக்கம்.. Keep it up bro..
Thanks bro very detailed video 🙏🙏🙏🙏
fantastic bro for simplification. very easy to understand.
i been watching so many videos of yours recently. very very clear way of explanation. thanks.
But you're explaining everything very clearly about health insurance and term insurance, why shouldn't you suggest one which you would've taken after proper research ?
You are a Life Saver!
Thanks bro. Please advise whether the renewal premium will change/increase every year ?
Your content is always awesome. Thanks for sharing wonderful insight about taking health insurance. ❤
Very useful and informative, thanks bro..
Any Insurance need irukkuravanga Konjam Sollunga Naa Help panra...Nanum Insurance la thaa Wrk panra...Ungalukku best company and Best product na panni thara...
@Useful.Information.Boosan - This is best information video for their loved ones.I have 1 question.I had two surgeries 12years ago for tumor removal.i am healthy now.if i get same problem again to remove tumor.will insurance get covered?or they will ignore it.this doubt stopping me not to take insurance for past few years.please advise bro.
Thank you for the information bro. Helpful for choosing the best health insurance.
Very Good explanation, covered everything. Thank you !
Thanks Boosan! This was really helpful! Cheers.
Hat's Off bro✌️💯🔥
Hello Boosan, Good Explanation,. Incase if i forgot to pay one month payment, then the insurance will get expired? and do i need to take new insurance?
It's a very detailed and informative video bro. Subscribed ;)
Very useful bro thank you 🙏🏻
Super crystal clear explanation 🎉
Bro i think you are the only youtuber who teach us the best knowledge of money and handling ❤❤ keep feeding us bro👍👍🗿
Thanks for providing the vital information... Very much useful...
As always. Great explanation.
Thank you Boosan. Very informative video. ❤
Big fan of your work. Please make your journey in finance video
Hi brother, first I have to thank you for sharing your knowledge, great experience for me from your videos, keep doing videos and my support to you always ❤.. I have a doubt, I'm planning to take a term insurance for 2 crore in TATA AIA, my question is whether to go directly with HDFC Tata AIA team or policy bazaar team? and I'm a 10+ years account holder in HDFC Bank, all my salary account, Home lone account, credit card are with HDFC only, in your experience with whom to take my policy? What is the advantage and disadvantage? Please suggest. Thanks in advance.
I'm working in Tata aia insurance
Advisor if want details reply me
@@sivakumar-su1jyi want brother
Thank you bro. Very clear view.
மிக்க நன்றி அருமையான விழியம்
Thank you for sharing valuable information
Thank you boosan ,very clear...
Thank you for your useful information
Thank you..very useful information 👍
Thank you Boosan, well explained Video.. I was actually searching for a video which decodes Health insurance. Well timed...
Glad you find it useful
@@finance.boosan Indeed Helped🙂
Thank you.... too detailed information ❤
Thank you for this wonderful video. Lot of valid informations🎉🎉🎉
useful information brother.Thank u
Thanks for your heath insurance information
Thanked. Ella thrituthanum puutuu vaikera
Very useful. Thank you!
Great explanation....❤
very useful information bro. Thanks a lot!
Clearly explained thanks bro...
Come to Villupuram GH it is better than apollo Chennai
I am big fan of your contents bro my finance mentor 🤩
Very useful information 😮
Very very good and informative....
Thank you so much Boosan 🙏🙏🙏
Best video In best timing❤
Very well explanation sir thank you
Thanks for the explanation bro. One doubt, if i’m staying in Chennai and my parents are in other state. I need to choose different policies?
Thanks a lot for the detailed information👍
Hi bro. Whether it is safe to buy term and health insurance for policy baazaar. Is there any disadvantages on policy baazaar. Please reply on this bro
Good information 👍
Which is best taking term insurance in direct online website or policy bazaar ?❤
Vera level ❤
Thank you bro ❤❤
Thanks for sharing valuable information
Very well explanation
Very useful 😊
Thank you
Super explanation bro
Thankyou
Good work bro😊
Super brother thanks
Very useful ❤
Very useful bro❤
For How many years the health insurance is valid or the premium to be paid?
After some waiting period like 4 years for critical illness what would be the premium? any deduction?
pls explain bro
@@sundarakumar5698 One year ..
Thanks for this useful video
Which is best policy explain s
Thank you so much bro, so helpful
Hi bro..kindly discuss in detail about Zerodha large midcap 250 ELSS fund..shall I start investing in this..
I hav care health insurance, your comparison opinion