You can choose a senior citizen plan offered by every insurance company. But at this entry age it might be a costly choice. I want to mention here that Govt has launched "Health Insurance for all Above 70 yrs age" under Ayushman Bharat PM JAY scheme. Which will Insure senior citizens above 70 age for 5 Lakh Rs. With no socio-economic criteria. Detailed video about that scheme is coming next week , Stay Tuned for more specific details ! 🙏🙏
Me 59 years oold and my wife aged 58 years are having Nivabupa Gold variant for 10 L base sum insured. Should i port it to ICICI Elevate as NIVABUPA has sublimit of Rs 1 Lac on Robotic surgery. Whether my PRE existing Diseases Hypertension are Diabetes will be considered from Day 1 after porting. I want to add Osteoarthritis now while porting which is not there in Nivabupa. Is it admissible pl ? Whether potting is recommended in my case to overcome sublimit of Rs 1 Lac on robotic surgery pl ? Thanks
Till what age does this elevate plan cover a person? I mean if we keep renewing a policy, can we be covered after age 65 also? Pls tell specifically for icici elevate and hdfc optima secure
In ICICI Elevate plan, 1. Did unlimited restoration of SI activate only after after complete exhaustion of SI or both for Complete and partial exhaustion of SI? (Not clearly mentioned in policy wordings) 2. For road ambulance, why is it mentioned "transfer the Insured Person to the nearest Hospital"? will they not pay ambulance charges if a person admitted in a hospital which not nearest to him? 3. Please explain the following point mention in Claim Protector add-on: "Any Sum Insured accrued under Guaranteed Cumulative Bonus/Inflation Protector/Reset benefit will not be available for Claim Protector Cover".
1. Not clearly mention but point 3 in reset benefit states that when "Annual sum Insured or any accrued sum insured is insufficient for the policyholder" means if partially utilized and if needed Reset sum insured can be used. 2. Nearest Hospital is mentioned for emergency care , but you can shift patient for better treatment to other hospital too. 3.Policyholder can use only base sum insured for Non-medical items. If claim is paid using accrued sum insured other than Basic Sum Insured as mentioned, Consumables expenses are not payable.
by jump start , waiting period of only these pre existing medical conditions - will be reduced to 30 days 1. Asthma 2. Diabetes 3. Hypertension 4. Hyperlipidemia 5. Obesity 6. Coronary Artery Disease (PTCA done prior to 1 year) ; depending on the medical status , extra loading may be applied by insurer ; we shall suggest you the suitable plans according to your requirements, and guide you to buy the suitable policies ! You can contact us by connecting to our channel. we will guide you completely from A to Z including portability and claims service !
I had 10 lac 3X means 30 lac HDFC ergo optima super secure 3 year policy in 24k per year, 1st year complete on 2nd payment did not auto debited and policy is in grace period from last three days.. I by myself trying to connect hdfc ergo support, branch for payment but no immediate direct link available for payment from them, hence today thinking of buying ICICI Elevate 10lac policy with no room limit & consumables add on rider... please suggest...
1st thing , for super secure you have to pay 3 years premium at once. You should connect to the insurer for second premium payment and then try portability on next renewal.
Hi, Sir, Good review, I have some doubts, i) World wide coverage , ii) Animal Bite, iii) High end Health test covers (Like MRI) are available in this policy?
Thanks, worldwide coverage available as an addon, high end tests are covered if part of an approved treatment, animal bite vaccinations only - not mentioned in policy.
Hello.. I have a health insurance niva Bupa reassure 2.0 for nearly 1 year... I just know about ICICI Lombard elevate plan through your video... I have a seperate plan Reassure 2.0 bronze + (10lakh) for my parents... My mother has hypertension... PED waiting period 4 year ... I just wanted to know , Can I switch to ICICI?? Will it be beneficial for my parents????
hello sir !! nice video sir!!when i read the wording it says that worldwide cover can be availed by person under 65 years of age. is this eligibility to enter or the coverage iself will be under 65 years and that after 65 years no coverage will be given ??
It seems like the age limit and rest of two conditions are applicable at the time of policy issuance. But do confirm from the insurer before making any decision.
Deductible option is mentioned in Policy document but when we checked on insurer website , only Copayment is available. So, deductible details are not clear till now.
Elevate bhi hdfc ke tarah premium price increase karta rehta ha kya brother? And how companies increase premium based on inflation factor pls share??? I have hdfc restore age 45 my premium increased by 25% now 30k for 5 lac SI ,2A1c. Next yr 46 age again 25% increase in premium. Policy wording says IRdai guidelines ,if there is increase in premium customer shall be notified 3 months before , i was not notified about any increase if i go to ombudsman any use or port to elevate ??? elevate premium is 22 k for now for me.
Sir I have sbi general arogya plus policy . Want to port it into another policy with 50 lac sum . I have 2 options . Care supreme n icici Lombard elevate ..?? Tell me ur honest opinion which is best plan n good for lifetime renewal ... Thanks
Ok, Brand wise Icici Lombard is a better choice. Pls check and compare coverages and benefits specifically related to member's age,location,cashless facilities etc before making any decision. Take care ! 🙏
On policy bazaar premium is showing 23776 Hdfc ergo restore for my case but company asking 30k SI 5 lac , asked customer support for this disparity ,he said ; because there's waiting period for new customer premium is less mine is increased because of inflation factor, Is this ok of company to charge differently 9 yr old customer and new customer ???
Refer policy wording document for more specific details www.icicilombard.com/docs/default-source/apps/elevateapp/assets/pdf/elevate-policy-wordings.pdf
Hanji PED 3 saal se 2 ya 1 saal k baad cover ki ja sakti hain. I missed this point in video. Jo PED and Slow growing dono mein hain to longer waiting period will be applicable.
Infinite ko kya karoge kai exclusion jaida hai icici mai jaise isme peritoneal dialysis cover nahi hai star health mai or Tata mai bi cover nahi hai Only Niva bupa mai cover hai
Good suggestion that do not get attracted by launch of new policy....I have star comprehensive policy since last 4 years with just 1 claim so far due for renewal in Feb 25....Can you pls advise on add ons..Planning to add Star Extra protect for sure, what else would you suggest?? Is it possible to drop off some of the feature like Bariatric, Ayush & Maternity benefits etc during renewal..
Sir icici elevate me deductible ka option hi available nhi hai Phir aap kese is plan me deductible ka option opt kar sakte hai ..? Pls clear this topic 🙏
deductible option is available with HDFC optima secure, star assure, and niva bupa reassure 2.O ; we shall suggest you the suitable plans according to your requirements, and guide you to buy the suitable policies ! You can contact us by connecting to our channel. we will guide you completely from A to Z including claims service !
HI As u mentioned ( video time 20:52 mins. ) that customer can cover 20 critical illness by add on of critical illness. it means that statndard policy doesn't cover critical illness. if somebody forget to add on this feature he will be uncovered for critical illnesses. please clear this doubt....
Critical illness treatment is a standard coverage in the policy. Critical illness addons provides the policyholder a lumpsum benefit if any of the critical illness is diagnosed.
Sir, I just remembered, when I asked the ICICI team like Do you have any day care procedures list in this plan ex. Tata AIG or Aditya Birla have, then they shared a 150 day care procedures list and Said we follow this one. Could you please confirm it from your end?
@@MayuriDeshmukh-h7v we shall suggest you the suitable plans according to your requirements, and guide you to buy the suitable policies ! You can contact us by connecting to our channel. we will guide you completely from A to Z including claims service !
I want to port my family health policy from star health, but icici representative told me that 4 addons are mandatory (1unlimited claim,cash benifit, inflation protector and one more which I forgot). is it correct or mis selling
It can be offered considering your past policy coverage, age or medical conditions. But addons can't be forced like that. Pls ask reason for such compulsion.
There are 2 packages in the plan. Essential and Basic pack. In essential package these addons are mandatory. In basic pack there is no compulsion of any addon.
Thanks sir for guidance. Pls give me a personal advice, I want to port my yongstar (5 lakh) family plan of star health to Aspire (7.5 lakh, Platinum) of Niva Bupa. My age is 33,2 adult and 2 children, having a 4 lakh sum assured from my office, no need of meternity benifits. Is it right or any other plan would you suggest more beneficial than aspire.
Sir, I have a comprehensive policy at Star Health for 10lakh rupees. This year I am aiming for upgrading the SI amount. My question is should I Port my policy to HDFC ERGO OPTIMA or not as I am aiming for higher SI.
I thought already videos are posted on this plan recently by other channels. So I skipped. But some of viewers asked for the review. So here it is. Thanks for being a valuable member of the community.🙂🙏
critical illness ka point galat samjhaya hai sir usme actually ye hai ki uske karan agar insured person expire ho jata hai to sum insured jitna paisa milega baki treatment ka paisa to alag wo claim main degi company
@@insuranceimpact yes Lumpsum benefit, means company will pay the amount equal to sum insured to the insured person or nominee while bearing the expenses related to treatments too
PED Waiting Period Get your pre-existing disease waiting period reduced to 1 year or 2 years from default 3 years Waiting Period 1 Year Premium ₹2,649 This premium how long we have to pay fro 3 years or throughout policy period?
Rather than specific illness waiting period reduction add-on . Can we choose jumpstart add on ? What would be the difference ?
I am 75 yrs old, male, with no health issues. Now my sons are asking me to take one health insurance policy. Which is better policy for me??
You can choose a senior citizen plan offered by every insurance company. But at this entry age it might be a costly choice.
I want to mention here that Govt has launched "Health Insurance for all Above 70 yrs age" under Ayushman Bharat PM JAY scheme. Which will Insure senior citizens above 70 age for 5 Lakh Rs. With no socio-economic criteria.
Detailed video about that scheme is coming next week , Stay Tuned for more specific details ! 🙏🙏
Me 59 years oold and my wife aged 58 years are having Nivabupa Gold variant for 10 L base sum insured. Should i port it to ICICI Elevate as NIVABUPA has sublimit of Rs 1 Lac on Robotic surgery. Whether my PRE existing Diseases Hypertension are Diabetes will be considered from Day 1 after porting. I want to add Osteoarthritis now while porting which is not there in Nivabupa. Is it admissible pl ? Whether potting is recommended in my case to overcome sublimit of Rs 1 Lac on robotic surgery pl ? Thanks
Is dialysis not covered as a part of day care or in-patient treatment?
Brother...Does, ICICI LOMBARD ELEVATE health insurance covers Opd consultation, Diagnostic test etc ??
For that- Be Fit Rider lena Hoga.
Very nice explanation..pahli bar kisi ne pros and especially cons. ko b acche se explain kiya . thnks
👍🙂
Till what age does this elevate plan cover a person? I mean if we keep renewing a policy, can we be covered after age 65 also?
Pls tell specifically for icici elevate and hdfc optima secure
renewal till lifelong.
Hdfc ergo's opima secure ya icici lomad elevat which one is better pls suggest..
Plan and Insurer dono ache hain, but best k liye apko compare karna hoga aur apni needs k according suitable plan decide karein.
Which one is good when we compare hdfc optima vs icici elevate ? Could you please suggest
Hdfc is for only people whose income in atleast 1 lac per month.
Premium shoot up with time .
It depends on the need of policy holder. As a Brand I like HDFC ERGO, but it has certain issues like frequent premium revision.
In ICICI Elevate plan,
1. Did unlimited restoration of SI activate only after after complete exhaustion of SI or both for Complete and partial exhaustion of SI? (Not clearly mentioned in policy wordings)
2. For road ambulance, why is it mentioned "transfer the Insured Person to the nearest Hospital"? will they not pay ambulance charges if a person admitted in a hospital which not nearest to him?
3. Please explain the following point mention in Claim Protector add-on: "Any Sum Insured accrued under Guaranteed Cumulative Bonus/Inflation Protector/Reset benefit will not be available for Claim Protector Cover".
1. Not clearly mention but point 3 in reset benefit states that when "Annual sum Insured or any accrued sum insured is insufficient for the policyholder" means if partially utilized and if needed Reset sum insured can be used.
2. Nearest Hospital is mentioned for emergency care , but you can shift patient for better treatment to other hospital too.
3.Policyholder can use only base sum insured for Non-medical items. If claim is paid using accrued sum insured other than Basic Sum Insured as mentioned, Consumables expenses are not payable.
If we choose any room addone then co pay will be applicable as paer single ac room ? Or their will be no co pay will be applicable in this case
No Copay.
@@insuranceimpact Means with Any room rider, we can opt for any room and all will be covered in SI right?
Restoration benifit , partial use of sum assured ke baad active ho jayega ya fully use of sum assured ke baad reload jo jayega?
First claim par use nahi kar sakte uske baad jab bhi amount kam padega use kar sakte hain.
Critical illness main add on leta hu tohi cover hoga ya regular main bhi cover hoga???
Regular mein treatment cost cover hoti hai, addon lene se lumpsum insured amount mil jayega.
If jumpstart add on is taken, then will the insurance company also apply loading for these conditions?
Yes sir, this is an add on feature with applied loading.
Yes. can be applied. Jumpstart premium is the premium to reduce waiting period.
by jump start , waiting period of only these pre existing medical conditions - will be reduced to 30 days 1. Asthma
2. Diabetes
3. Hypertension
4. Hyperlipidemia
5. Obesity
6. Coronary Artery Disease (PTCA done prior to 1 year) ; depending on the medical status , extra loading may be applied by insurer ; we shall suggest you the suitable plans according to your requirements, and guide you to buy the suitable policies ! You can contact us by connecting to our channel. we will guide you completely from A to Z including portability and claims service !
I had 10 lac 3X means 30 lac HDFC ergo optima super secure 3 year policy in 24k per year, 1st year complete on 2nd payment did not auto debited and policy is in grace period from last three days.. I by myself trying to connect hdfc ergo support, branch for payment but no immediate direct link available for payment from them, hence today thinking of buying ICICI Elevate 10lac policy with no room limit & consumables add on rider... please suggest...
1st thing , for super secure you have to pay 3 years premium at once. You should connect to the insurer for second premium payment and then try portability on next renewal.
HDFC ERGO may have sent you a link in your email ID.
Icici lombard me dengue cover hota he kya ?
Icici shield 360 yea phir elevate plan konsa Sahi hai
Elevate is more flexible and with latest features.
Agar mujhe elevate liye hue 1 saal ho gya or company apne terms and condition change karti hai to kya meri policy pr bhi iska effect hoga?
Terms & Conditions change ho sakti hain but Major Changes are rare for existing policyholders.
meri policy 7 sal.purani he me icic me karva raha hu port to kya surgery ho sakti he ya wait karna padwga 2 sal
Apke Waiting period already waived hain.
Sir
I have acko platinun plan with unlimited SI. At the time of renewal the company denied to reduce my SI. what to do?
Try porting with desired sum insured. Or try writing to grievance department seeking clarification.
Agar company next year koi rider remove krti hai to kya existing customer ki policy me bhi vo remove ho jayega ya nhi?
Aisa Bahut rare hai. Apke benefits a sit is rahenge.
Hi, Sir, Good review, I have some doubts, i) World wide coverage , ii) Animal Bite, iii) High end Health test covers (Like MRI) are available in this policy?
Thanks, worldwide coverage available as an addon, high end tests are covered if part of an approved treatment, animal bite vaccinations only - not mentioned in policy.
Many features including Infinite Care is not available if I port the policy from another company
Hello.. I have a health insurance niva Bupa reassure 2.0 for nearly 1 year... I just know about ICICI Lombard elevate plan through your video... I have a seperate plan Reassure 2.0 bronze + (10lakh) for my parents... My mother has hypertension... PED waiting period 4 year ... I just wanted to know , Can I switch to ICICI?? Will it be beneficial for my parents????
Reassure 2.0 is already a good plan. No benefit in porting Unless you find some very important coverage in Elevate.
hello sir !! nice video sir!!when i read the wording it says that worldwide cover can be availed by person under 65 years of age. is this eligibility to enter or the coverage iself will be under 65 years and that after 65 years no coverage will be given ??
It seems like the age limit and rest of two conditions are applicable at the time of policy issuance. But do confirm from the insurer before making any decision.
You mentioned deductible.. pls share options and discount details
Deductible option is mentioned in Policy document but when we checked on insurer website , only Copayment is available. So, deductible details are not clear till now.
Elevate bhi hdfc ke tarah premium price increase karta rehta ha kya brother?
And how companies increase premium based on inflation factor pls share???
I have hdfc restore age 45 my premium increased by 25% now 30k for 5 lac SI ,2A1c. Next yr 46 age again 25% increase in premium.
Policy wording says IRdai guidelines ,if there is increase in premium customer shall be notified 3 months before , i was not notified about any increase if i go to ombudsman any use or port to elevate ??? elevate premium is 22 k for now for me.
Hdfc ergo has maximum reviews about price revision.
Price revision is internal process. You should port if it bothers.
Sir I have sbi general arogya plus policy . Want to port it into another policy with 50 lac sum . I have 2 options . Care supreme n icici Lombard elevate ..?? Tell me ur honest opinion which is best plan n good for lifetime renewal ... Thanks
Ok, Brand wise Icici Lombard is a better choice. Pls check and compare coverages and benefits specifically related to member's age,location,cashless facilities etc before making any decision. Take care ! 🙏
On policy bazaar premium is showing 23776 Hdfc ergo restore for my case but company asking 30k SI 5 lac , asked customer support for this disparity ,he said ; because there's waiting period for new customer premium is less mine is increased because of inflation factor, Is this ok of company to charge differently 9 yr old customer and new customer ???
Yes, fresh policies are cheaper. Port to any age banded premium based plan.
Does this sub limits for different diseases🎉
Refer policy wording document for more specific details www.icicilombard.com/docs/default-source/apps/elevateapp/assets/pdf/elevate-policy-wordings.pdf
Bro ICICI offering policy port in grace period.
Is it ok to do ?
It's ok if they are offering.
No.
Can not be ported
PED ko 1yr 2yr kr sakte h? Fibroid, Fissure and migraine.ye disease slow growing me v h and ped v....pl reply
Hanji PED 3 saal se 2 ya 1 saal k baad cover ki ja sakti hain. I missed this point in video.
Jo PED and Slow growing dono mein hain to longer waiting period will be applicable.
@@insuranceimpactmeans fibroid, Fissure, migraine ped me ja k 1,2,yrs me convert kr sakte h? Claim milega? Pl help
Sir ye PED reduction subject to insurer approval hai. I can only help you with policy coverage. Baki apko insurer se hi baat karni hogi.
Sir mujhko knee ligament injury hai agar main disclose kardu to waiting period 1 year kar sakte hai kya add on lekar?
Sir cancer ka kya waiting period hai iss policy mai?
cancer if diagnosed 1st time - After 30 days.
After 90 days-
I. Hypertension
ii. Diabetes
iii. Cardiac Conditions
Infinite ko kya karoge kai exclusion jaida hai icici mai jaise isme peritoneal dialysis cover nahi hai star health mai or Tata mai bi cover nahi hai
Only Niva bupa mai cover hai
Peritoneal Dialysis is excluded in Niva Bupa also.
Good suggestion that do not get attracted by launch of new policy....I have star comprehensive policy since last 4 years with just 1 claim so far due for renewal in Feb 25....Can you pls advise on add ons..Planning to add Star Extra protect for sure, what else would you suggest?? Is it possible to drop off some of the feature like Bariatric, Ayush & Maternity benefits etc during renewal..
Not much addons options in star health. You can compare coverage and benefits with other plans too. Take Care 👍
@@insuranceimpact Pls advise few best in market with rider to port....
Sir icici elevate me deductible ka option hi available nhi hai
Phir aap kese is plan me deductible ka option opt kar sakte hai ..?
Pls clear this topic 🙏
Abhi online Deductible ka option nahi aa rha hai, only co-payment is available.
Add on me hai bhai
deductible option is available with HDFC optima secure, star assure, and niva bupa reassure 2.O ; we shall suggest you the suitable plans according to your requirements, and guide you to buy the suitable policies ! You can contact us by connecting to our channel. we will guide you completely from A to Z including claims service !
Sir ICU ka charge extra hoga ky
Nahi. ICU treatments upto sum insured.
HI
As u mentioned ( video time 20:52 mins. ) that customer can cover 20 critical illness by add on of critical illness. it means that statndard policy doesn't cover critical illness. if somebody forget to add on this feature he will be uncovered for critical illnesses. please clear this doubt....
Critical illness treatment is a standard coverage in the policy. Critical illness addons provides the policyholder a lumpsum benefit if any of the critical illness is diagnosed.
Thank you sir for the information, but does this policy covered all day care procedures? Or they have only 150 day care list?
listed procedures not mentioned anywhere. All day care procedures covered. Can refer policy document for more.
@@insuranceimpact thank you for your help sir, your explanation is good
Sir, I just remembered, when I asked the ICICI team like Do you have any day care procedures list in this plan ex. Tata AIG or Aditya Birla have, then they shared a 150 day care procedures list and Said we follow this one. Could you please confirm it from your end?
@@MayuriDeshmukh-h7v in ICICI website it is written 150 treatment. But not mentioned what 150 exactly
@@MayuriDeshmukh-h7v we shall suggest you the suitable plans according to your requirements, and guide you to buy the suitable policies ! You can contact us by connecting to our channel. we will guide you completely from A to Z including claims service !
Sir, kis company ka claim aasani se mil jaata hai, ziyada pareshan na kare,
Aisi koi 1 company nahi hai. sab mein claims delay bhi ho sakte hain aur smoothly bhi approve hote hain.
Please explain incurred claim ratio, claim rejection ratio of ICICI Lombard
I generally don't refer these ratios. Want to know why- Detailed video coming this Thursday. Stay Tuned !
I want to port my family health policy from star health, but icici representative told me that 4 addons are mandatory (1unlimited claim,cash benifit, inflation protector and one more which I forgot). is it correct or mis selling
It can be offered considering your past policy coverage, age or medical conditions. But addons can't be forced like that. Pls ask reason for such compulsion.
Same is the case with me. They're saying that 4-5 addons CANNOT be removed. I think it's a case of mis-selling. @prashant - did you get any solution?
There are 2 packages in the plan. Essential and Basic pack. In essential package these addons are mandatory. In basic pack there is no compulsion of any addon.
@@rishabhrastogi506In the essential package these are compulsory to take but in basic pack you can opt addons of your choice.
@@insuranceimpact thanks! What's the difference between basic and essential pack (except mandatory add-ons)?
Sir regular viewer of your channel want to port from Star health family optima
Plzz suggest hdfc ergo optima secure or this plan ( Elevate)
Elevate. but check cashless facilities nearby your location.
@@insuranceimpact Thanks sir for your guidance ❤❤
One adult and one child ke policy purchase kar sakte hai??
Yes
30 year individual primium kitne hoga
Address and sum insured ?
25 lacks
Thanks sir for guidance. Pls give me a personal advice, I want to port my yongstar (5 lakh) family plan of star health to Aspire (7.5 lakh, Platinum) of Niva Bupa. My age is 33,2 adult and 2 children, having a 4 lakh sum assured from my office, no need of meternity benifits. Is it right or any other plan would you suggest more beneficial than aspire.
Pls reply soon, as I have to decide for port in a couple of days
Message on Instagram @ insurance_impact.
Or whatsapp 8307360765
Stick with 5 lac accumulate no claim bonus , premium would sky rocket in 40s and 50s....
Policy warding full video pls sir
Policy wordings link- www.icicilombard.com/docs/default-source/apps/elevateapp/assets/pdf/elevate-policy-wordings.pdf
Thank u sir full video pls
Sir,
I have a comprehensive policy at Star Health for 10lakh rupees. This year I am aiming for upgrading the SI amount.
My question is should I Port my policy to HDFC ERGO OPTIMA or not as I am aiming for higher SI.
Coverage wise Optima Secure is better than comprehensive plan. If you don't have price constraint.
I was waiting for your review video 😊
I thought already videos are posted on this plan recently by other channels. So I skipped. But some of viewers asked for the review. So here it is. Thanks for being a valuable member of the community.🙂🙏
Star asure kaisa hai
Acha plan hai, Coverage and benefits ka detailed video- ruclips.net/video/Lc18uODJI0o/видео.html
critical illness ka point galat samjhaya hai sir usme actually ye hai ki uske karan agar insured person expire ho jata hai to sum insured jitna paisa milega baki treatment ka paisa to alag wo claim main degi company
As per my knowledge in Addon , 1st time listed Critical illness diagnose hone par lumpsum benefit milega. Pls confirm again.
@@insuranceimpact yes Lumpsum benefit, means company will pay the amount equal to sum insured to the insured person or nominee while bearing the expenses related to treatments too
catracat etc limits pls
No sub-limits. If PED, waiting period is 36 months. if Diagnosed after buying policy can be covered after 24 months.
Sir thanks ❤❤
✌❤🙂
PED Waiting Period
Get your pre-existing disease waiting period reduced to 1 year or 2 years from default 3 years
Waiting Period 1 Year Premium ₹2,649
This premium how long we have to pay fro 3 years or throughout policy period?
This premium is paid once when you reduce waiting period.
This policy covered IBD Chrons disease
Chrons is exlcluded in most of the plans. but for exact information pls contact insurer itself sir.
No sir
Why do you hide your comments
Some inappropriate comments are automatically removed by You tube. I just ignore irrelevant ones.
Frud Company hai .Mera gadi full dameg hai or company rs - 20,000 hi de rahi hai. 😢😢