Sir, noticed you mentioned about porting from insurance to other. Could you shed more light into it please. Does it mean we can switch medical insurance policies from one to other without losing premiums paid till date?
12 years back enik same surgery undayirunnu ,aa time enik chilavayath only 16000 thousand. Ipol 2024 year maximum poyaal oru 30 to 35 thousand aavum . But Aster ningalk cost ittadh 2.80 lac ..😮
It depends on the type of hospital you do the surgery in. Aster is a premium brand hospital in Kerala. Lakeshore May be slightly cheaper. If you go to places like Medical Trust OR Lisie it maybe less than half of this amount. Also you can’t compare with the cost 12 years back. Scene is totally different right now.. 😊❤ Also, 12 years back insurance coverage was low and only few had medical insurance. Now due to high escalation of costs, insurance is a necessity and very high coverages are now available. Accordingly hospital charges are also higher.
Medisep എന്നു പറഞ്ഞു സർകാർ കുറെ വാങ്ങുന്നുണ്ട്...വലിയ ഒരു കൊള്ള ആണ് നടക്കുന്നത്.... bill ഉളളത് 16000 ഹോസ്പിറ്റൽ ഉള്ള medisep ഡെസ്കും ഹോസ്പിറ്റൽ കൂടെ ഇൻഷുറൻസ് തുക 22000 ക്ലെയിം അക്കി... 6000 രൂപ അടിച്ചു മാറ്റി... സർക്കാരിനെയും ജെങ്ങളെയും നല്ലോണം പറ്റിക്കുന്നത്.... Medisep ടീം ഹോസ്പിറ്റലിൽ കൂടെ അനു...
മാഡം.. ഞാനും medisep ഉള്ള ആളാണ്... പക്ഷെ എന്റെ പ്രൈവറ്റ് ഇൻഷുറൻസ് ഞാൻ നിർത്തിയില്ല.. Medisep മികച്ചത് ആകുന്നത് വരെ ഒരു പ്രൈവറ്റ് പ്ലാൻ എടുക്കൂ... Free ആയി എടുക്കാൻ അവസരം ഉണ്ട്..
Medical Insurance is a No. 1 necessity even more than term insurance. Because you die only once but can get sick multiple times costing you a lot of money.. 😊❤ I have Niva Bupa cover and Nationalinsurance both. National insurance once claimed.
Bro If you are having health insurance with a Sum Insured of 10 Lakhs coupled with 1% of Room Rent Capping then your maximum room rent cap is ₹10,000 This is a disadvantage if your room rent goes above ₹10,000 Consider a scenario in which you had a hospital bill of 7 lakh in which you had been hospitalized for 5 days in a room having daily rent of ₹ 12,000. You might be thinking to pay additional 2000 for 5 days that is 10,000 out of your pocket. Means you are assuming you could get 6.9 Lakhs from the insurer and you will pay 10,000 out of your pocket. But this won't happen because MAJORITY OF EXPENSES WRITTEN IN YOUR HOSPITAL BILL ARE LINKED TO YOUR ROOM RENT CAP So the Room Cost per day you opted at the time of hospitalisation is ₹12,000 and the room rent cap as per policy is ₹10,000. (10,000/12,000)*100 = 83% Which means you will be getting from the insurer only 83% of your total hospital bill i.e., 7,00,000 * 83% = 5,81,000 Which also means in this case since you have opted for a room beyond your room rent capping of 10,000 you need to pay 7,00,000 - 5,81,000 = 1,19,000 from your pocket The fact regarding whether a policy is good or bad ultimately depends on personal experiences. The important thing is to have insurance in the first place. If you are having an awful experience from your current insurer feel free to port* at the time of renewal. *which has its own pros and cons
@PrasanthPalliyath Bro If you are having a health insurance with a Sum Insured of 10 Lakhs and 1% of Room Rent Capping then your maximum room rent cap is ₹10,000 This is a disadvantage if your room rent goes above ₹10,000 Consider a scenario in which you had a hospital bill of 7 lakh in which you had been hospitalized for 5 days in a room having daily rent of ₹ 12,000. You might be thinking to pay additional 2000 for 5 days that is 10,000 out of your pocket. Means you are assuming you could get 6.9 Lakhs from insurer and you could pay 10,000 out of your pocket. But this won't happen because MAJORITY OF EXPENSES WRITTEN IN YOUR HOSPITAL BILL ARE LINKED TO YOUR ROOM RENT CAP So the Room Cost per day is ₹12,000 and the room rent cap is ₹10,000. (10,000/12,000)*100 = 83% Which means you will be getting from the insurer only 83% of your total hospital bill i.e., 7,00,000 * 83% = 5,81,000 Which also means in this case since you have opted for a room beyond your room rent capping of 10,000 you need to pay 7,00,000 - 5,81,000 = 1,19,000 from your pocket 🥲 If you are asking an opinion whether an insurance is good or bad the actual fact is people in general have 2 opinions on the same insurer no matter how great the features are on the paper. The only thing that matters in opinion formation are personal experiences which are completely subjective which gets formed in response to the insurance claim that we make. The important thing that matters is to have an insurance in the first place and if you are having an awful experience from the insurer then you could port* the insurance at the time of renewal. *which has its own pros and cons
Medisep എന്നു പറഞ്ഞു സർകാർ കുറെ വാങ്ങുന്നുണ്ട്...വലിയ ഒരു കൊള്ള ആണ് നടക്കുന്നത്.... bill ഉളളത് 16000 ഹോസ്പിറ്റൽ ഉള്ള medisep ഡെസ്കും ഹോസ്പിറ്റൽ കൂടെ ഇൻഷുറൻസ് തുക 22000 ക്ലെയിം അക്കി... 6000 രൂപ അടിച്ചു മാറ്റി... സർക്കാരിനെയും ജെങ്ങളെയും നല്ലോണം പറ്റിക്കുന്നത്.... Medisep ടീം ഹോസ്പിറ്റലിൽ കൂടെ അനു
ചേട്ടൻ പറഞ്ഞതിൽ ഒരു വശപിശക് ഉണ്ടലോ മകൾക്ക് ഇത്ര തവണ ക്ലെയിം ചെയ്തു വൈഫിന് ഇത്ര തവണ ക്ലെയിം ചെയ്തു ചേട്ടനും ഇത്ര വട്ടം ക്ലെയിം ചെയ്തു മൊട്ടത്തിൽ ഒന്ന് കൂടി നോൽക്കികയ് ഏഴ് ആണോ മൊത്തം ക്ലെയിം ചെയ്തത് 🧐
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Manipal signa യുടെ ഏത് പ്ലാൻ ആണ് തങ്ങൾ എടുത്തിരിക്കുന്നത്
Sir, noticed you mentioned about porting from insurance to other. Could you shed more light into it please. Does it mean we can switch medical insurance policies from one to other without losing premiums paid till date?
Star comprehensive insurance engane undu?
Take rest n get well soon..... Thank you
Sir Star health insurance അതും നല്ലതാണല്ലോ?.
Get well soon
Very informative video
Star health nallathanno?
യെസ് 😊
12 years back enik same surgery undayirunnu ,aa time enik chilavayath only 16000 thousand. Ipol 2024 year maximum poyaal oru 30 to 35 thousand aavum . But Aster ningalk cost ittadh 2.80 lac ..😮
Check with the same hospital 🏥-usually, hospital inflation in India is in double digits.
It depends on the type of hospital you do the surgery in. Aster is a premium brand hospital in Kerala. Lakeshore May be slightly cheaper. If you go to places like Medical Trust OR Lisie it maybe less than half of this amount.
Also you can’t compare with the cost 12 years back. Scene is totally different right now.. 😊❤
Also, 12 years back insurance coverage was low and only few had medical insurance. Now due to high escalation of costs, insurance is a necessity and very high coverages are now available. Accordingly hospital charges are also higher.
@@DiazAcademy ഈ surgery ക്ക് non medical expenses, surgical items എത്ര രൂപ cover ആയി.
ഉണ്ട ആണ്.. ഏറ്റവും കത്തി medical trust ആണ്.. കത്തി ആണെന് അറിയാതെ തല വെച്ച പലരും desp അടിച്ചു ഇരിക്കുന്നുണ്ട് @@monishthomasp
manipal cigma നല്ലതു ആണൊ
Sir, niva bupa health isurance nallath aano
Super policy
Good
One of the worst policy
Good policy
Good
Your health insurance name ??
New India insurance nallathano
Great experience.....
As per the government no policy should be rejected without any reasons.
Why did you switch from bupa to manipal cygna? Any specific reason? How to port medical insurance ? I also own a niva bupa insurance
No particular reason, I just expect good services from Manipal Cigna. I am satisfied with Manipal.
Medisep എന്നു പറഞ്ഞു സർകാർ കുറെ വാങ്ങുന്നുണ്ട്...വലിയ ഒരു കൊള്ള ആണ് നടക്കുന്നത്.... bill ഉളളത് 16000 ഹോസ്പിറ്റൽ ഉള്ള medisep ഡെസ്കും ഹോസ്പിറ്റൽ കൂടെ ഇൻഷുറൻസ് തുക 22000 ക്ലെയിം അക്കി... 6000 രൂപ അടിച്ചു മാറ്റി... സർക്കാരിനെയും ജെങ്ങളെയും നല്ലോണം പറ്റിക്കുന്നത്.... Medisep ടീം ഹോസ്പിറ്റലിൽ കൂടെ അനു...
മാഡം.. ഞാനും medisep ഉള്ള ആളാണ്... പക്ഷെ എന്റെ പ്രൈവറ്റ് ഇൻഷുറൻസ് ഞാൻ നിർത്തിയില്ല.. Medisep മികച്ചത് ആകുന്നത് വരെ ഒരു പ്രൈവറ്റ് പ്ലാൻ എടുക്കൂ... Free ആയി എടുക്കാൻ അവസരം ഉണ്ട്..
Niva bupa health companion nallathano? 7 years ayi continue cheyunnu.
Good
Star Heath policy നല്ലതല്ലേ?
2.8 ലക്ഷം.. 😮😮😮 ചികിത്സ expensive .... 😮😮😮
Medical Insurance is a No. 1 necessity even more than term insurance. Because you die only once but can get sick multiple times costing you a lot of money.. 😊❤
I have Niva Bupa cover and Nationalinsurance both. National insurance once claimed.
@@monishthomasp Niva bupa nallath aano
@@user-ft9hw3cc9c No idea.. this was given by our professional organization. 😀
Adithya Birla Active one nallath aano
ബ്രീത്തിങ് നോർമൽ ആയോ.സർജറിയുടെ പേരെന്താ.ഡോക്ടർ പേര് പറയാമോ.ഇതേ പ്രശ്നങ്ങൾ ഉള്ള ആളാണ് ഞാൻ.കൂടുതൽ അറിയാൻ താത്പര്യം ഉണ്ട്
Hello sir njan star health 10 Lks thinte assure policy ആണ് എടുത്തിരിക്കുന്നത് അദ് നല്ലധനോ adhil enikki pora എന്ന് തോന്നിയത് റൂം റെൻ്റ് 1% മേ ഉള്ളൂ
Bro
If you are having health insurance with a Sum Insured of 10 Lakhs coupled with 1% of Room Rent Capping then your maximum room rent cap is ₹10,000
This is a disadvantage if your room rent goes above ₹10,000
Consider a scenario in which you had a hospital bill of 7 lakh in which you had been hospitalized for 5 days in a room having daily rent of ₹ 12,000.
You might be thinking to pay additional 2000 for 5 days that is 10,000 out of your pocket. Means you are assuming you could get 6.9 Lakhs from the insurer and you will pay 10,000 out of your pocket.
But this won't happen because MAJORITY OF EXPENSES WRITTEN IN YOUR HOSPITAL BILL ARE LINKED TO YOUR ROOM RENT CAP
So the Room Cost per day you opted at the time of hospitalisation is ₹12,000 and the room rent cap as per policy is ₹10,000.
(10,000/12,000)*100 = 83%
Which means you will be getting from the insurer only 83% of your total hospital bill i.e., 7,00,000 * 83% = 5,81,000
Which also means in this case since you have opted for a room beyond your room rent capping of 10,000 you need to pay
7,00,000 - 5,81,000 = 1,19,000 from your pocket
The fact regarding whether a policy is good or bad ultimately depends on personal experiences. The important thing is to have insurance in the first place. If you are having an awful experience from your current insurer feel free to port* at the time of renewal.
*which has its own pros and cons
@PrasanthPalliyath
Bro
If you are having a health insurance with a Sum Insured of 10 Lakhs and 1% of Room Rent Capping then your maximum room rent cap is ₹10,000
This is a disadvantage if your room rent goes above ₹10,000
Consider a scenario in which you had a hospital bill of 7 lakh in which you had been hospitalized for 5 days in a room having daily rent of ₹ 12,000.
You might be thinking to pay additional 2000 for 5 days that is 10,000 out of your pocket. Means you are assuming you could get 6.9 Lakhs from insurer and you could pay 10,000 out of your pocket.
But this won't happen because MAJORITY OF EXPENSES WRITTEN IN YOUR HOSPITAL BILL ARE LINKED TO YOUR ROOM RENT CAP
So the Room Cost per day is ₹12,000 and the room rent cap is ₹10,000.
(10,000/12,000)*100 = 83%
Which means you will be getting from the insurer only 83% of your total hospital bill i.e., 7,00,000 * 83% = 5,81,000
Which also means in this case since you have opted for a room beyond your room rent capping of 10,000 you need to pay 7,00,000 - 5,81,000 = 1,19,000 from your pocket 🥲
If you are asking an opinion whether an insurance is good or bad the actual fact is people in general have 2 opinions on the same insurer no matter how great the features are on the paper. The only thing that matters in opinion formation are personal experiences which are completely subjective which gets formed in response to the insurance claim that we make. The important thing that matters is to have an insurance in the first place and if you are having an awful experience from the insurer then you could port* the insurance at the time of renewal.
*which has its own pros and cons
Thank God, prayers for full recovery soon
🙏
👍
🥰
Sir, HDFC ergo nallath ano?..
Good
20.09.2024❤
സർക്കാരിന്റെ ഫ്രീ ഇൻഷുറൻസിൽ എന്റെ ഫാദറിന്റെ heart ചികിത്സ ലക്ഷങ്ങൾ വരും പക്ഷെ ഫ്രീ ആയി നടന്നു
Scheme ethaa
Details parayamo
Treatment Government hospitalil ayiruno?
ട്രോൾ ആള് അല്ലെ 😉
We can't rely on the government, as their policies can change at any time.
Medisep എന്നു പറഞ്ഞു സർകാർ കുറെ വാങ്ങുന്നുണ്ട്...വലിയ ഒരു കൊള്ള ആണ് നടക്കുന്നത്.... bill ഉളളത് 16000 ഹോസ്പിറ്റൽ ഉള്ള medisep ഡെസ്കും ഹോസ്പിറ്റൽ കൂടെ ഇൻഷുറൻസ് തുക 22000 ക്ലെയിം അക്കി... 6000 രൂപ അടിച്ചു മാറ്റി... സർക്കാരിനെയും ജെങ്ങളെയും നല്ലോണം പറ്റിക്കുന്നത്.... Medisep ടീം ഹോസ്പിറ്റലിൽ കൂടെ അനു
ചേട്ടൻ പറഞ്ഞതിൽ ഒരു വശപിശക് ഉണ്ടലോ മകൾക്ക് ഇത്ര തവണ ക്ലെയിം ചെയ്തു വൈഫിന് ഇത്ര തവണ ക്ലെയിം ചെയ്തു ചേട്ടനും ഇത്ര വട്ടം ക്ലെയിം ചെയ്തു മൊട്ടത്തിൽ ഒന്ന് കൂടി നോൽക്കികയ് ഏഴ് ആണോ മൊത്തം ക്ലെയിം ചെയ്തത് 🧐
Nammichu
@@DiazAcademy 😜☺️
ഇത്തവണ ദൈവത്തെ സ്തുതിച്ചില്ല 😢
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