Would migrating from HDFC Ergo's Optima Restore plan to the Optima Secure plan, while concurrently enhancing the base coverage from5 lakhs to 10 lakhs, invoke a renewed three-year waiting period for pre-existing diseases? I have maintained my policy for eight years. I would appreciate your expert guidance on this matter.
Madam, I want to port my five years star policy to care. Now a facial cyst is diagnosed on july 2023. If care accept my ped it will be cover from day 1?
What if i port my 10 year's old policy to new company will i loose the benefit of my policy moratorium period and my policy would be treated as new policy
Hello mam, I went to purchase HDFC ergo optima secure health insurance policy from their office. But they are saying that my habit will not be mentioned in my proposal document or any other document they are saying they will just upload my declaration. So I feel I don't have proper proof about my declaration with the company and in future there might be a chance of rejection. Should I trust this company?
Hi, Star health insurance company has increased their premium by 100% for optima plan(applicable from Feb 2023 onwards) Last year we paid around 21000 now for renwal they asking for 42000 around Note: age bracket is same. age is 53 year Their justification for increase is they have added below benifits only Sleeping and harmonal disorder and dental Now agent is suggesting to take/port comprehensive plan which has less premium around 27900 Should I go head and port or stick to current plan and pay 100% hike premium Or any other company to switch
Mam Thanks for ur efforts & time in explaining the product but Nobody tells bout how many years we need to pay for optional benefit if i choose PED reduce to 1year(should we pay eztra for 1 year ped or for default 4 years ped or lifetime) & if i choose cumulative bonus super (should we pay upto 5years or lifetime). Your reply is appreciatable
I found your video very informative, but I have a few doubts that I would appreciate if you could clarify: 1)Bonus Deduction after Claim: If I make a claim after 2 years with HDFC, will my bonus be deducted? 2)Restore Option (One-Time or Unlimited): Is the restore option one-time or unlimited? Which add-on should I take for unlimited restore, and is it beneficial to take this add-on? 3)Sum Insured for Air Ambulance: The local agent and the company's website mention the sum insured for air ambulance. Is this information incorrect? 4) Treatment in a Different Zone: My city is in Zone-2, but I get treatment in a Zone-1 city. Will there be any extra charges? Additionally, I would like to take an online consultancy from you. Could you please provide information about your charges?
Mam, in HDFC optima secure whether they increase premium enormous or it's stable for the age slab? 5-6% would be ok. I am planning to shift from an existing health suraksha silver plan of 3L SA to optima secure with 5L SA.I am at 51. Existing premium shoot up direct from 15k to 25k with no restoration. Hence better to shift to the restoration plan of 5L instead of taking Top up to the existing plan. Premium will be nearly the same as if taken top up. However in secure restoration with lots of benefits. Please advise if any. Thanks!
Hi madam, Is there any Room Rent capping under the Optima secure policy, because i came to know for the sum assured below 50 lacs there will be a room tent capping i.e single A.C private room
@@GurleenKaurTikku I don't think it covers it..... policy wording doesn't cover or say this at all. Even if you ask company to write in email they will refuse it.
We try to cover as much as possible but also always mention to read the policy wordings as well. Each term & conditions can't be mentioned in the video.
HI mam, thank you for valuable information. Cpl of days earlier i had a conversation with Policy Bazaar advisor regarding this Health Insurance policy (5 Lacs for family). He advised to purchase Niva Bupa...Care & Tata AIG. Further he personally suggested to not purchase lombard & Ergo. So, I would like to request you to pls advise which is the best Policy for our family (Self+spouse+kid)...among NIVA BUPA, CARE, TATA AIG, HDFC ERGO, ICICI LOMBARD. Waiting for your reply maam.
Glad that you found our video informative. Also, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few options depending on your requirements & help you choose the suitable one. Thank you 😊
Bro my HDFC ERGO premium of Health suraksha shoot up by 10k this year since crossed 50. However now for 5+5 L SA it's charging @27k. If switch to their Optima secure then with same but restoration premium comes @32k but every there will be increase @5-6% in premium. Care supreme offering 7L + restoration with fixed slab for 5 years @27k. .... I am associated with Hdfc since 2016. Now looking to huge increase in premium with less SA and lot of constraints i wish to port. Hence is the Care Supreme is trust worthy ? Because i had a claim experience with Hdfc and it's very trusted and no hazel in approval. I am in dual mind what to do? Shall i Port? How is Care Supreme on their claim settlement, approval, trust worthyness? I am at tier 2 city now. As such all insured person 2+1 are sound in health as on date by god bless hence not much SA required however future is not in our hand. Hence please advise suitably. My renewal is very near. Thanks in advance.
@Gurleen ji - thanks for the informative video! A quick question - jab Optima Secure launch hua tha market me then there was a single ac room capping. Now I think they have removed it. People who have purchased the policy at the time of launch - unke lie room rent capping rahegi ya as per the new policy there will be no capping? Can there be any issues related to room rent in the future? Thanks again for making such content for us!
Glad, Thank you & keep watching for more such informative content. Also, answering your query Room rent will be as per the new policy & there will be no capping.
@@GurleenKaurTikku@gurleenKaurTikku is care supreme pan india policy? If i take policy in zone2 and claim in zone1 (planned or in emergency) will there be copay or deduction or there will be some condition, kindly confirm.
I AM AGAIN WARNING ALL OF YOU THAT DON’T CHOOSE CARE HEALTH INSURANCE EVEN AT FREE OF COST. THEY DON’T SETTLE CLAIMS MOST OF THE CASE. I HAD VERY BAD EXPIERIENCE . BETTER TO TAKE SBI
Aapne restore ki puri details nahi diya - care ka Pura sum assured khatam hone ke bad hota hai restore care me And reasonable and customary bhi apply hota hai care me wo bhi nahi bataya Pls check policy wordings And update
Hi, one query regarding aggregate deductible feature of Optima secure policy. If we go for 50k deductible option, and if there are 2 separate claims of 45k and 55k in same policy year then do i need to pay 95k (45+50) from my pocket and only 5k will be paid thru insurance? Thanks in advance
Maam ,xyz insurance company se insurence lene ke baad, emergency me mujhe kisi aisi hospital me admid hona para jahan xyz insurace company ka cashless facility nahin hai,tab mujhe health insurace ka paisa wapas milega?
Mam last me aap jo price batate ho wo family floter ka price hai .Plz sath me Individual Plan ka price bhi bataya kijiye. Ho sakta hai thodi si mehnat barh jayegi aapki😊
Premium compare bhi galat hai Care 10 lakh ke againt optime secur ka 5 lakh basic ka premium compare karna hai Kyu ki optima secure me 1st day se 5 lakh basic me 10 lakh ka cover hai Agar optima secure ka bhi 10 lakh ka premium lenge to usme cover first day se 20 lakh milega
Madam please share updated information about Care health insurance. Wellness and Air ambulance are inbuilt. As well as bonus of 600% is inbuilt till the age of 45. After that 100% bonus is inbuilt and 500% is you can choose as a rider. Also care launched one of the best rider which calls instant cover where waiting period is 30 Days For Diabetes, Hypertension, Hyperlipidemia & Asthma With Instant Cover Option instead of 48onths. So inshort too many points you skipped.... requesting you to please do not shared any incomplete knowledge.... this will missguide the viewers. And about claim settlement.... most claims rejected due to non disclosure only. To avoid this please share all information to your agent just like you share with your doctor. Any company will not reject your claim.
Best can vary depending on your requirements & medical history. Our team assists in choosing the suitable policy. For any queries, please connect with us on WhatsApp/Call at 9650706699.
You have missed major point here. Care Supreme has limitation, you can take treatment only in Zone of your postal address, company will not pay if claim is in other zone. Example: I am residing in Bangalore, my address is Bangalore. In case I had to take treatment in Mumbai or Delhi, that will be considered as different zone w.r.to Bangalore and CLAIM WILL BE REJECTED.
Guess what..i called the toll free for CARE..Wanted the office address..not doing anything online..the lady said call customer care..I did ..asked d man exactly the same..he was so rude..CARE CUSTOMER CARE WAS RUDE SO RUDE said I'm not giving u the office address in Pune..i asked for another person..was put on hold indefinitely.. Kachra company..use kachra people..
Conclusion depends what you want from the plan considering your requirements, age & medical history. Please connect with us on WhatsApp/Call at 9650706699. Our team will be happy to assist you !
I am again warning all of you that don't choose care health insurance even at free of cost. They don't settle claims most of the time if you have any medical codition before buying or porting the policy.
Paid negative publicity kr rhe ho.... Iska comment hr video pe milega..... Itne he genuine ho apna incident share ki jiye..... Mera brother care company m he haim saari detail nikalke dunga..... I knw koi incident nhn hoga fake comment krte rehte ho bs
*IMPORTANT* : CARE SUPREME HAS NO MAXIMUM ENTRY AGE LIMIT.
Madam, which insurance would you recommend of these two?
Optima secure also has no age entry limits
Would migrating from HDFC Ergo's Optima Restore plan to the Optima Secure plan, while concurrently enhancing the base coverage from5 lakhs to 10 lakhs, invoke a renewed three-year waiting period for pre-existing diseases? I have maintained my policy for eight years. I would appreciate your expert guidance on this matter.
madam if i have 2 policies of different companies. during my hospitalization if 1 company rejects my claim can i claim with other company?
Mam In Care Supreme the Super Bonus is 500% above the normal 100% built in so total bonus becomes 600% and your policy becomes 7X.
Yes care best h stand alone company h isliye log uske piche pade
Madam, I want to port my five years star policy to care. Now a facial cyst is diagnosed on july 2023. If care accept my ped it will be cover from day 1?
What if i port my 10 year's old policy to new company will i loose the benefit of my policy moratorium period and my policy would be treated as new policy
Is there any zonal co-payment in HDFC ergo secure??
Hello mam, I went to purchase HDFC ergo optima secure health insurance policy from their office.
But they are saying that my habit will not be mentioned in my proposal document or any other document they are saying they will just upload my declaration.
So I feel I don't have proper proof about my declaration with the company and in future there might be a chance of rejection.
Should I trust this company?
You should disclose all the medical facts as per your knowledge as the company can reject the claims in the future,
Kya modern treatment and robotic surgery covered h hdfc optima secure me ? Policy wording and brochure me khi mention nhi h iske bare me ??
It's covered !
Hi,
You have mentioned optima secure has zone based premium but their brochure says no geography based change
feedback you never shared zone 2 premium whi is that so in the first place ?
Care health insurance lelu kya mama plz reply internet par jada negative comments hai plz reply or any other plans
Froud compny h care
Hi,
Star health insurance company has increased their premium by 100% for optima plan(applicable from Feb 2023 onwards)
Last year we paid around 21000 now for renwal they asking for 42000 around
Note: age bracket is same. age is 53 year
Their justification for increase is they have added below benifits only
Sleeping and harmonal disorder and dental
Now agent is suggesting to take/port comprehensive plan which has less premium around 27900
Should I go head and port or stick to current plan and pay 100% hike premium
Or any other company to switch
THIS TYPE SAME ISSUE FACE MY FATHER POLICY. Now agent is suggesting to port comprehensive plan
Star health insurance 👎👎👎
Mam Thanks for ur efforts & time in explaining the product but Nobody tells bout how many years we need to pay for optional benefit if i choose PED reduce to 1year(should we pay eztra for 1 year ped or for default 4 years ped or lifetime) & if i choose cumulative bonus super (should we pay upto 5years or lifetime).
Your reply is appreciatable
HDFC optima secure best lagta he muje AP batao konsa best he
Hanji, it's one of the best plans in the market.
These plan is for family floatar ke liye he.......?
Premiums calculated are for family floater otherwise this policy is available on individual basis as well.
Nice mam aapke videos ,reels kaafi informative hoti h .Thanks mam 🤗
Thank you so much jee !
Madam just want to add opd rider is available for care supreme
Mam, can you suggest few Health Policy for Smokers, thnaks
Bura na Mano to Bhai tum Health insurance ki jagah Term insurance plan lene ki koshish karo...!😮😮
I found your video very informative, but I have a few doubts that I would appreciate if you could clarify:
1)Bonus Deduction after Claim: If I make a claim after 2 years with HDFC, will my bonus be deducted?
2)Restore Option (One-Time or Unlimited): Is the restore option one-time or unlimited? Which add-on should I take for unlimited restore, and is it beneficial to take this add-on?
3)Sum Insured for Air Ambulance: The local agent and the company's website mention the sum insured for air ambulance. Is this information incorrect?
4) Treatment in a Different Zone: My city is in Zone-2, but I get treatment in a Zone-1 city. Will there be any extra charges?
Additionally, I would like to take an online consultancy from you. Could you please provide information about your charges?
Mam, in HDFC optima secure whether they increase premium enormous or it's stable for the age slab? 5-6% would be ok. I am planning to shift from an existing health suraksha silver plan of 3L SA to optima secure with 5L SA.I am at 51. Existing premium shoot up direct from 15k to 25k with no restoration. Hence better to shift to the restoration plan of 5L instead of taking Top up to the existing plan. Premium will be nearly the same as if taken top up. However in secure restoration with lots of benefits. Please advise if any. Thanks!
It is 2-5% increase every year in HDFC secure every year
Konsa cleam lena chaiy mam
Mam your company dosent recommend care insurance to their customer but why you make their comparison videos?
Because it's requested by our viewers & it's always better to compare plans so that our viewers as well as the customers can make the right decision.
where to find the claim settlement ratio of all companies? I checked IRDAI website but couldn't find these numbers. Kindly help.
Check the irdai annual report
Hi madam, Is there any Room Rent capping under the Optima secure policy, because i came to know for the sum assured below 50 lacs there will be a room tent capping i.e single A.C private room
No, room rent capping was removed for all sum assured.
Please refer the revised changes video below
ruclips.net/video/SXQkYwhZ7J8/видео.html
Why the big difference in premiums
Is a secure plan that covers modern treatment and robotic surgery up to basic sum assured+secure benefit? Please reply.
yes, it's covered !
@@GurleenKaurTikku thank you
@@GurleenKaurTikku I don't think it covers it..... policy wording doesn't cover or say this at all. Even if you ask company to write in email they will refuse it.
Madam insurance lene ke baad,claim kitne baad le sakte hain ?
after 30 days.
@@GurleenKaurTikku thank you 😊
madam in case of ergo, critical illness cover rider is for only self or complete family?
Self and spouse, if it is a family floater policy
@@GurleenKaurTikku Thanks for the reply madam...
I don't understand why u all not discussed terms and conditions in depth
We try to cover as much as possible but also always mention to read the policy wordings as well.
Each term & conditions can't be mentioned in the video.
HI mam, thank you for valuable information. Cpl of days earlier i had a conversation with Policy Bazaar advisor regarding this Health Insurance policy (5 Lacs for family). He advised to purchase Niva Bupa...Care & Tata AIG. Further he personally suggested to not purchase lombard & Ergo. So, I would like to request you to pls advise which is the best Policy for our family (Self+spouse+kid)...among NIVA BUPA, CARE, TATA AIG, HDFC ERGO, ICICI LOMBARD. Waiting for your reply maam.
Glad that you found our video informative.
Also, please connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with a few options depending on your requirements & help you choose the suitable one.
Thank you 😊
It is because icici and hdfc has cutoff policy bazaar. That is why he is telling lies to you to not go for icici and hdfc as he can't offer it to you.
@@Grizzler231but I have heard from various ppl that hdfc ergo & icici Lombard dont approve claims??Can u pls enlighten me
@@ishumehrotra2985 From where have you heard this. hdfc and icici are good in approving claims. But claim approval depends on individual basis.
Bro my HDFC ERGO premium of Health suraksha shoot up by 10k this year since crossed 50. However now for 5+5 L SA it's charging @27k. If switch to their Optima secure then with same but restoration premium comes @32k but every there will be increase @5-6% in premium. Care supreme offering 7L + restoration with fixed slab for 5 years @27k. .... I am associated with Hdfc since 2016. Now looking to huge increase in premium with less SA and lot of constraints i wish to port. Hence is the Care Supreme is trust worthy ? Because i had a claim experience with Hdfc and it's very trusted and no hazel in approval. I am in dual mind what to do? Shall i Port? How is Care Supreme on their claim settlement, approval, trust worthyness? I am at tier 2 city now. As such all insured person 2+1 are sound in health as on date by god bless hence not much SA required however future is not in our hand. Hence please advise suitably. My renewal is very near. Thanks in advance.
Same question
@@varunchandra153 same question
Care Supreme Entry age is up to 100 yrs NOW THEY HAVE IMPROVISED IT.
Yes, Thank you for updating !
@Gurleen ji - thanks for the informative video! A quick question - jab Optima Secure launch hua tha market me then there was a single ac room capping. Now I think they have removed it. People who have purchased the policy at the time of launch - unke lie room rent capping rahegi ya as per the new policy there will be no capping? Can there be any issues related to room rent in the future?
Thanks again for making such content for us!
Glad, Thank you & keep watching for more such informative content.
Also, answering your query Room rent will be as per the new policy & there will be no capping.
@@GurleenKaurTikku@gurleenKaurTikku is care supreme pan india policy? If i take policy in zone2 and claim in zone1 (planned or in emergency) will there be copay or deduction or there will be some condition, kindly confirm.
I AM AGAIN WARNING ALL OF YOU THAT DON’T CHOOSE CARE HEALTH INSURANCE EVEN AT FREE OF COST. THEY DON’T SETTLE CLAIMS MOST OF THE CASE. I HAD VERY BAD EXPIERIENCE . BETTER TO TAKE SBI
Thanks for sharing your experience with the company . This will help our viewers to take a better decision.
Maam please let us know which Insurance company is better for super senior people
Hello jee, please connect with us on WhatsApp/Call at 9650706699 .
'Our team can assist you with a few options according to your requirements.
Aapne restore ki puri details nahi diya - care ka
Pura sum assured khatam hone ke bad hota hai restore care me
And reasonable and customary bhi apply hota hai care me wo bhi nahi bataya
Pls check policy wordings
And update
No reply from your side
Maam aap yeh premium directly company se buy karne ka hai or agent se?
You can connect with us on WhatsApp/Call at 9650706699.
Our team can assist you with the premiums.
Hi, one query regarding aggregate deductible feature of Optima secure policy. If we go for 50k deductible option, and if there are 2 separate claims of 45k and 55k in same policy year then do i need to pay 95k (45+50) from my pocket and only 5k will be paid thru insurance?
Thanks in advance
For any queries regarding this health insurance plan, CONNECT WITH US ON WhatsApp/Call at 9650706699.
Our team can assist you 😊
No you need to pay only 50000
Some details need to be updated for care supreme. Its outdated in your records.
okay, thanks for the feedback !
We will try to bring up a video soon !
Bhut achchi jankri🎉
Thank you jee, keep watching !
Me care insurance me port kardu kya star se care company kaisi he madam ji
you can if it fulfils your requirements. We don't have any first hand experience with the company yet, so can't comment on the services !
Mam care ka care ncb plan hai usko kese switch karun care supreme me
Care health insurance par baat kijiye
Cigna manipl kaisa hai
Ek dum bekar company hai
@@hirenpanwala1 how to switch hdfc ergo optima restore to optima secure online?
Fraud company hain
@@amitbansal630 care kaisa hai
Hdfc ergo ke health insurance mai kuch dikkat h kya plz suggest
Maam ,xyz insurance company se insurence lene ke baad, emergency me mujhe kisi aisi hospital me admid hona para jahan xyz insurace company ka cashless facility nahin hai,tab mujhe health insurace ka paisa wapas milega?
Bilkul milega.. apko reimbursement form bhar ke company lo bhejna hoga
Yes, reimbursement
Mam virel fever bhi claim karsakte
No
Mam last me aap jo price batate ho wo family floter ka price hai .Plz sath me Individual Plan ka price bhi bataya kijiye. Ho sakta hai thodi si mehnat barh jayegi aapki😊
Jee, Thank you for the feedback. We will definitely try to put individual premiums as well.
Please give the stat Health insurance information
Don't take
We have a few videos available on our channel.
Please check ! 😊
Was expecting more information on sublimit
Thanks for the feedback !
Thanks
Keep Watching!
Premium compare bhi galat hai
Care 10 lakh ke againt optime secur ka 5 lakh basic ka premium compare karna hai
Kyu ki optima secure me 1st day se 5 lakh basic me 10 lakh ka cover hai
Agar optima secure ka bhi 10 lakh ka premium lenge to usme cover first day se 20 lakh milega
Hospitalisation due to road accident is covered in your health insurance policy
Please make HDFC ergo v/s niva bupa comparision in 2024, it's my request 🙏
Madam please share updated information about Care health insurance. Wellness and Air ambulance are inbuilt. As well as bonus of 600% is inbuilt till the age of 45. After that 100% bonus is inbuilt and 500% is you can choose as a rider. Also care launched one of the best rider which calls instant cover where waiting period is 30 Days For Diabetes, Hypertension, Hyperlipidemia &
Asthma With Instant Cover Option instead of 48onths. So inshort too many points you skipped.... requesting you to please do not shared any incomplete knowledge.... this will missguide the viewers. And about claim settlement.... most claims rejected due to non disclosure only. To avoid this please share all information to your agent just like you share with your doctor. Any company will not reject your claim.
Thoda slow bolenge ta samajhne me asan rahega
Jee, thank you for the video feedback 😊
Please compare recent updated policy between Hdfc eargo optime secure and ICICI LOMBARD HEALTH EDGE APEX PLUS...
Jee, Thank you for the video suggestion.
We will bring up a video soon , keep watching !
Best company konsi hai....
Manipal Cigna health insurance
Best can vary depending on your requirements & medical history.
Our team assists in choosing the suitable policy.
For any queries, please connect with us on WhatsApp/Call at 9650706699.
Wo Claim karne par paise dede
Cancer comes under which waiting period?
How to contact you madam ?
📲 WhatsApp : wa.me/message/VJCYEKX3EWHOE1
💌 Mail us at: info@hareepatti.com
Contact us - hareepatti.com/contact-us/
@@GurleenKaurTikku no revert of mail
Care supreme entry age no limit..kindly check
Yes, we just cross checked . Care Supreme has no Entry Age limit.
Thank you for the feedback !
Care Supreme has no limits
You have missed major point here. Care Supreme has limitation, you can take treatment only in Zone of your postal address, company will not pay if claim is in other zone.
Example: I am residing in Bangalore, my address is Bangalore. In case I had to take treatment in Mumbai or Delhi, that will be considered as different zone w.r.to Bangalore and CLAIM WILL BE REJECTED.
🙏 thank you
Keep Watching !
Guess what..i called the toll free for CARE..Wanted the office address..not doing anything online..the lady said call customer care..I did ..asked d man exactly the same..he was so rude..CARE CUSTOMER CARE WAS RUDE SO RUDE said I'm not giving u the office address in Pune..i asked for another person..was put on hold indefinitely..
Kachra company..use kachra people..
Thanks for sharing your first hand experience with the company, This will help our viewers to take a better financial decision
Conclusion kya hai ?
Ye sb to pta hai
Conclusion depends what you want from the plan considering your requirements, age & medical history.
Please connect with us on WhatsApp/Call at 9650706699. Our team will be happy to assist you !
Bloopers is like golgappe k baad pappdi XD
Very useful.. thanks
Thank you jee, keep watching !
I am again warning all of you that don't choose care health insurance even at free of cost. They don't settle claims most of the time if you have any medical codition before buying or porting the policy.
Then how to do payment at the time of elective surgery
25 se 30 lac nahi hai bank account mein
@@nikhilgatagat Bro If you want to suffer go for Care.
Then which company is best
Paid negative publicity kr rhe ho.... Iska comment hr video pe milega..... Itne he genuine ho apna incident share ki jiye..... Mera brother care company m he haim saari detail nikalke dunga..... I knw koi incident nhn hoga fake comment krte rehte ho bs
@@abhisheksinghal2586 Aise kaise nikal loge detail
care company mein privacy naam ki cheej nahi hai kya
koi bhi aira gaira information nikal sakta hai
Bahot fast bat karte ho app. Bar bar repeat karke dekhna pad raha hain. 😢😢😢
Thank you for the feedback. We will try to work on it !
Sub se best company bajaj allianz hai.....
Yes , may be
We don't have any first hand experience with the company