Sorry to ask this question in this video bro.. Sahil Bhai a small doubt about BOOK CLOSURE.. I am confused about it, I recently bought shares of nmdc ltd After buying it ,I saw the book closure date which is 24th sep😢i bought the shares 27th ,iam not eligible for dividend,split and bouns for the whole year? Please help me with this doubt bro.. unable find answers using google
Claim settlement ratio almost every insurance will be 98% .... u need to see incurred claim ratio ... the amount the insurance company settle against claimed amount ..... this is more important u cannot miss this .
I didn't agree with you. Recently I admitted in Hospital for Phenumenia for 9 days. Total Bill near about 190000/-. I have Star Assure health policy. I have 10℅ copayment. The company promptly paid my bill before releasing from Hospital.
@@tapasranjansanyal8718 but in my case I admitted in acute ge diahrea 5 days admitted in hospital they didn't give any reimbursement I submitted all the documents
Depends on financial condition of this company. Since covid they were very poor in payments and lost Customers. Now, they want to attract customers and so not giving any troubles to Customers. I had very bad experience with Star Health last year and moved out ..
Yes, i have experienced with star health customer care, worst response. Even I am not able to migrate the policy in starhealth itself eventhough i have tried almost 3 weeks. Then I changed to care health
For a middle class whos saving r less than 5 k per month... First take term insurance with critical illness benifit... These critical illnesses bankrupt you completely... With remaining money... Health insurance Then investment ... Direct or mutual funds
Pls note there will be lot of limits and sub limits for super top up plan.. dont get impressed with low premiums.. it is better to go with higher base cover.. incase in future if you want to port your policy.. they consider only base cover amount as seniority for pre existing diseases.. also the premium for 40 yrs age 10 lac cover vs 50 lacs cover is hardly 20% more.. so better choose higer base cover with unlimited restoration
@@krantimansingh7888 mai care insurance last 3 years se use kar rha hu Maine pehli bar policy liya tha tab ek mahine ke baad bad luck kisi medical emergency ke karan claim karna pada around 2.5lakh ka within 24 hour claim pass ho gaya good company
I recently took HDFC ergo 10 lakh insurance, premium of 13000 annually . We middle class should definitely take a insurance as medical inflation is 14% per year 😢
I have hdfc silver smart... Price increases 3000from last year.. Now its increased by 3500 again ..not claimed any past 4 years...They are increasing rather than any discount or ncb...😢😢 Planing to shift Niva Bupa or icici
Stick with hdfc it's the best in the market niva Bupa has the highest complaint in the last 3 yrs and a few agents say they come up with silly excuses to reduce the claim amount Again my personal opinion
I too have HDFC silver smart. This November 2024 my premium will increase by Rs. 4000. I have the policy for the last 4 years and didn't claim a single penny yet. They are telling that HDFC silver smart policy has been withdrawn by the company and your policy will be converted to HDFC optima. I will port to some other health insurance company
Please make a video of hidden features of any health plan, before buying, which will cover only 50% of the Hospital Bill of total sum insured. What are the hidden facts of insurance companies they never disclose.
why do you include TPA involved in the insurance claims and time taken by them to clear reimbursement claim . I have claimed in New India health insurance (it shows 99% Claim Settlement ratio) but the TPA is making my claim delayed since last 2 months .
@@jatins4u83 do I have to contact my existing insurance company or the new one? And will my waiting period etc will be waived off as I have already been paying premium for 3 years?
@@sivamk289 which schemes do you like so far? HDFC seems reliable, at least relatively, but costly (both upfront and renewal) and everything else feels kinda shady..
Before making video please do proper servey , I’m having arthritis , when I went for care plan via policybazaar while taking policy they didn’t told if we select PED option it will cover after 1 year , after some day they called and suggested me different policy with 20% with less cap
Star health has 99% claim settlement, other bwnefits also better than above but I don't see it listed, that's why I doubt Ditto's credibility now? Looks like Ditto is promoting only those companies who are paying them commission. Also, I think Ditto is just hyping their website by advertising a lot.
@@Iamniyas17 I already did my research before commenting, My close friend is part of top management of Star Health, apart from my research I asked him many important questions, hope you got it now.
Acko is Worst company. Kindly avoid. Pls go with HDFC Ergo or ICICI Lombard only although their premiums are high but atleast at the time of need, you will not face any difficulty
Bhai mai ek NRI Hu but ap log India ke logon KO Insurance bech rahe ho ya west countries KO. Ap Hindi me bologe to India wale samajh payege apko, otherwise your advice or suggestions are useless.
Assuming you still did not understood and giving the explanation below. 1. In general if your insurance doesnt have restoration and sum assured is 5L. And on some reason if bill costs 4.5L. so remaning left is 50k as per policy for that year and if any new bill comes up in the same year insurance company pays only 50k the balance of sum assured 2. If restoration benifit is there. The company pays as many times as possible in the same year with max amount for per claim is 5L
![Seungmin "그렇게, 천천히, 우리(As we are)" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/kAzmhLHePqU/mqdefault.jpg)
-Link to get spam-free Health Insurance - ditto.sh/c0f24y
-Link to explore my exclusive weekly video series: www.sahilbhadviya.in/
policy bazar se lene bekar h kya ya koi agent se lena bekar h???
Sorry to ask this question in this video bro..
Sahil Bhai a small doubt about BOOK CLOSURE.. I am confused about it, I recently bought shares of nmdc ltd After buying it ,I saw the book closure date which is 24th sep😢i bought the shares 27th ,iam not eligible for dividend,split and bouns for the whole year? Please help me with this doubt bro.. unable find answers using google
How about Care Health Insurance?
Can I port my insurance after my renewal expires?
Claim settlement ratio almost every insurance will be 98% .... u need to see incurred claim ratio ... the amount the insurance company settle against claimed amount ..... this is more important u cannot miss this .
One of the worst health insurance company is star health insurance
I didn't agree with you. Recently I admitted in Hospital for Phenumenia for 9 days. Total Bill near about 190000/-. I have Star Assure health policy. I have 10℅ copayment. The company promptly paid my bill before releasing from Hospital.
@@tapasranjansanyal8718 but in my case I admitted in acute ge diahrea 5 days admitted in hospital they didn't give any reimbursement I submitted all the documents
@@tapasranjansanyal8718actually its true that nowadays star health is not upto mark. Rejection rates are high
Depends on financial condition of this company.
Since covid they were very poor in payments and lost Customers.
Now, they want to attract customers and so not giving any troubles to Customers.
I had very bad experience with Star Health last year and moved out ..
Yes, i have experienced with star health customer care, worst response. Even I am not able to migrate the policy in starhealth itself eventhough i have tried almost 3 weeks. Then I changed to care health
Old subscribers know that he repeated this content 3rd time FOR the promotional PURPOSES of DITTO...
But no doubt that it's useful to new subscribers
For a middle class whos saving r less than 5 k per month... First take term insurance with critical illness benifit... These critical illnesses bankrupt you completely...
With remaining money... Health insurance
Then investment ... Direct or mutual funds
Can you suggest which is the best term insurance?
@@sauravdagaSDaga1984 icici pru iprotect smart with 34 critical illness... Claim settle ment ratio.. 99.35...
After watching all your videos, I invested in only one company after your analysis. It is Newgen with multibagger returns. Thanks
Pls note there will be lot of limits and sub limits for super top up plan.. dont get impressed with low premiums.. it is better to go with higher base cover.. incase in future if you want to port your policy.. they consider only base cover amount as seniority for pre existing diseases.. also the premium for 40 yrs age 10 lac cover vs 50 lacs cover is hardly 20% more.. so better choose higer base cover with unlimited restoration
Sir pls explain in Tamil
HDFC is good but premium is very high. Care is best. I got 3 lakh claim very smoothly
I am about to take care insurance. Can you share your experience in detail with claim settlement?
@@krantimansingh7888 mai care insurance last 3 years se use kar rha hu
Maine pehli bar policy liya tha tab ek mahine ke baad bad luck kisi medical emergency ke karan claim karna pada around 2.5lakh ka within 24 hour claim pass ho gaya
good company
Please never go for HDFC ergo..
Why ?
@@thomasponnanplease elaborate
Does anyone know how is navi health insurance?
@sahil: Can you please make a detailed video on navi health insurance
*Very useful information Sahil. Thank you. Kindly keep more coming👌👍💓🙏*
Customer care response and action is very poor in starhealth insurance
Excellent explanation for health insurance. Thank you so much.
One of the very worst Health insurance company Star Health insurance they keep on increase premium every two years, and very poor customer services.
health premium sab company increase krte h niva bupa mai abhi sirf option aya h rider lene par increase nhi hota h
I agreed too
I agree also
Premium will increase bases om the age slab example 30 to 35 is one age slab.
Please analysis video on sun Pharma vs cipla vs torrent pharma vs mankind vs Dr. Reddy ? Which is best for portfolio as pharma share?
I recently took HDFC ergo 10 lakh insurance, premium of 13000 annually .
We middle class should definitely take a insurance as medical inflation is 14% per year 😢
Care supreme unlimited restoration is kind of false. You need to completely use your cover to get restoration of base cover.
Please do make a video on how to fight and what to do if your health insurance company doesn't process your claim inspite of everything correct..
I have hdfc silver smart...
Price increases 3000from last year..
Now its increased by 3500 again
..not claimed any past 4 years...They are increasing rather than any discount or ncb...😢😢
Planing to shift Niva Bupa or icici
Stick with HDFC it’s industry best. If you still want to port look at icici or Aditya Birla active one max
Stick with hdfc it's the best in the market niva Bupa has the highest complaint in the last 3 yrs and a few agents say they come up with silly excuses to reduce the claim amount
Again my personal opinion
How is ICICI elevate
I too have HDFC silver smart. This November 2024 my premium will increase by Rs. 4000. I have the policy for the last 4 years and didn't claim a single penny yet. They are telling that HDFC silver smart policy has been withdrawn by the company and your policy will be converted to HDFC optima. I will port to some other health insurance company
@@RahulGupta-eq7be Have you questioned about bonus SI your policy has accumulated since last 4 years?
HDFC ergo and Niva bupa is number one insurance in India in my view
HDFC ergo is a worst insurance company..
@thomasponnan do you have it??
No mention of Acko because Ditto does not get commission from Acko😅
Please make a video of hidden features of any health plan, before buying, which will cover only 50% of the Hospital Bill of total sum insured.
What are the hidden facts of insurance companies they never disclose.
What about Niva Bupa, far better from care and aditya birla
Seems like a paid video of Ditto company.
Star health is worst, from my experience 🙏
What about HDFC ergo
@anil share ur experience
Hi Sahil. I am Shankar's uncle. What is your view on Star Health Insurance. You can share your views directly to me. Thanks a ton
Tata aig missed...
why do you include TPA involved in the insurance claims and time taken by them to clear reimbursement claim . I have claimed in New India health insurance (it shows 99% Claim Settlement ratio) but the TPA is making my claim delayed since last 2 months .
Good information, Thank you
How do we port Medical insurance to different company?
You can port in 45 days before your insurance premium is due
Apply 45days before renewal...better to start 60 days..new company... Not like vehicle insurance
@@jatins4u83 do I have to contact my existing insurance company or the new one? And will my waiting period etc will be waived off as I have already been paying premium for 3 years?
From which policy you are porting @@vigneshs4595
Also just let us know, is there any portability option available between companies offering Health care policies.. If yes Pl do name them.
How is niva bupa health insurance?
Worst pls don't buy
Thank u very much sir superb
He is promoting always ditto why?
Ditto is good.
Because it's the best available in the market
I tried ditto, they simply advertise HDFC insurance like he did putting different settlement numbers when compared to other websites
@@sivamk289 he didn't create the settlement numbers himself. It is publicly available data.
@@sivamk289 which schemes do you like so far? HDFC seems reliable, at least relatively, but costly (both upfront and renewal) and everything else feels kinda shady..
Care Health has a very poor ratio of claim settlement ratio
You are right
Thanks sahil ❤❤
One video on Term Insurance Please!!
Before making video please do proper servey , I’m having arthritis , when I went for care plan via policybazaar while taking policy they didn’t told if we select PED option it will cover after 1 year , after some day they called and suggested me different policy with 20% with less cap
How is the niva bupa and tata aig health insurance plans??
😘 chatgpt recommended me this channel 🤑
What about niva bupa assure 2.0 is it good or not
Did you mention that care health rejects most of the claims
Make a video on health insurance port....brother
Why Niva Bupa is missing ???
Is it good to take health insurance from policy bazar?
No .
Dont go for third party
Star health has 99% claim settlement, other bwnefits also better than above but I don't see it listed, that's why I doubt Ditto's credibility now?
Looks like Ditto is promoting only those companies who are paying them commission.
Also, I think Ditto is just hyping their website by advertising a lot.
and he is promoting ditto , in short only these 3 companies. I also consulted ditto, they mentioned only these 3 same plans.
Don’t all other companies promote who pay them the most ? Do your research before taking such important steps in life. Don’t be a buffalo 🦬
Star health benefits limited and hidden by sales people.i am an ex star health customer
Exactly star health is better insurance in terms of cashless hospital network settlement on claims etc.
@@Iamniyas17 I already did my research before commenting, My close friend is part of top management of Star Health, apart from my research I asked him many important questions, hope you got it now.
What to take
Reliance health insurance ksa he? Uske bare me ap bola he nehi q?
Share top term insurance plans 2024
Does anyone know about ACKO health insurance?
Acko is Worst company. Kindly avoid. Pls go with HDFC Ergo or ICICI Lombard only although their premiums are high but atleast at the time of need, you will not face any difficulty
@@vgupta35 thanks sir, that's why their premium is less than 50% with other companies
@@vgupta35niva bupa?
@@vgupta35any other schemes that are cheaper but more reliable than the rest?
Sir ji term insurance per bhi video banye
Previously You have promoted navi insurance.. why there is no navi in your list now ?
This time they did not give him money
😂
Anyone has done any claim settlement under Navi Health insurance
Please guide on how much health cover us required for a member of 3 aged 32 max in a 2 tuer City . Which health insurance you have sahil
Go with Aditya birla
Worst service from Aditya Birla @@stocksamraat1675
@adityaanand3667 around 15 to 20 lakh insurance is ideal
Please tell me good term life insurance plan
Go with Aditya birla salaried term plan if u r salaried person with 7lakh plus salary per annum. It is cheapest
How much is ideal coverage for 3 member family( not parents) considering 14% inflation in health care
Min. 7L coverage of Aditya birla.. it will increase by 7L per year till 5 years. So it becomes 35L coverage in next 5 years.
50 lacs base with unlimited restoration is better if all are healthy..
What if all r not healthy?@@srstudios4078
Around 20 lakhs with unlimited restoration
Please never go for HDFC ergo..
Bhai mai ek NRI Hu but ap log India ke logon KO Insurance bech rahe ho ya west countries KO. Ap Hindi me bologe to India wale samajh payege apko, otherwise your advice or suggestions are useless.
Among star and care health insurance are best... they're exclusive
No to Star
List down 2024 top 3 health indurancer
I Think You're Just Doing Promotion Video
Aditya Birla's claims have been dirty for a very long time
Don't go for care, they are indecent
ICICI prudential Lombard
Worst package most hospital will reject
Another promotion! Do you have any video that is not promoting anything this year?
Star Health is not even listed
Well explained but i was enable to understand the restoration facility.
Assuming you still did not understood and giving the explanation below.
1. In general if your insurance doesnt have restoration and sum assured is 5L. And on some reason if bill costs 4.5L. so remaning left is 50k as per policy for that year and if any new bill comes up in the same year insurance company pays only 50k the balance of sum assured
2. If restoration benifit is there. The company pays as many times as possible in the same year with max amount for per claim is 5L
What about star health
One of the worst company , and worst customer service
The worst is Star health insurance
Why
No to HDFC
HDFC ergo is a worst insurance company
@thomasponnan yes, I also told same thing 👍
Why
Speak to Hindi. Plz