Health insurance policy important things to know: how to get best out of health insurance
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- Опубликовано: 11 сен 2024
- Health insurance policy is a must hut before buying one must know all hidden features and traps. There are many things which are not in plain sight but those features can help you save money. There are other things hidden things in the policy document which can trap you. All these are explained by swati b wealthy in this video. The whole idea is to give you all the information so that you can buy the best health policy for yourself and best health policy for family.
Health series videos:
how to choose best health policy : • How to choose health i...
facebook: B wealthy swati
Madam,
Day by day I am becoming your admiror and fan. How you are explaining complicated matter so simple way, it's really praiseworthy. I shall recollect all issues in video if I buy Health insurance in near future.
Madam please discuss the details of health insurance to those persons who are covered by CGHS or any other medical expenses beneficiaries
Have a nice week ahead.
Thank you so so much for your comment Tapas Jee. Regarding CGHS beneficiaries - I don't feel the need for health insurance for these beneficiaries. CGHS facilities are available in 27 cities in India and there are little deductions made from the salary to avail this service. Stay Blessed, B wealthy.
@@BWealthy mam how many years we have to pay premium? I want to know plz reply me.
@@BWealthy mam but CGHS me reimbursement hota hai agar phele cash chaiyhe to 6 months normal hai
Apka samjane Ka dang bohat Acha hai dhanyabad
बहुत he achi जानकारी स्वाति जी😊😊😊👍👍👍👌👌💐💐💐,कई जानकारियों का मुझे बिल्कुल ज्ञान ni था😲😲👌👌👌,ये ज़ोन A और B कुछ ache से समझ ni आया,जैसे ma देहरादून से हु,ज़ोन B, तो जो ट्रीटमेंट देहरादून ma na होकर दिल्ली ma हो,उसका ख़र्चा insurance policy से नहीं होगा😬😬😬😬,इसपर आप कुछ और ज्ञान दे तो,जब आपको समय मिले,धन्यवाद😊😊🇮🇳🇮🇳🙏🙏🙏
Mam, you have covered almost all aspects of Insurance ....I am working in the same field. Delighted with ur attempt
I am so glad to read your comment Shubhada Jee. Would love to connect with you over phone. if you are comfortable, do share your contact details at khazanabadhao@gmail.com. Stay Blessed, B Wealthy.
Swati ji you are the most useful person for us.thanks thanks thanks so much for you.
Thank you so much swatiji for
Accurate and good information
Hello Mam,
You have covered all my doubt regarding health Insurance. My question here is do I need a Life insurance too.. Is there is any policy which gives benefits of both. I recently got married and want my family to be secure.. hope for your earliest reply. Thanks again for your efforts.
Thanks for the info. But there is one more term now “Restoration benefit” 5lakh cover when exhausted, you will get another 5 lakh for same/different illness.. any hidden trick behind it? As we know there are no free lunches !!
Yes it will trigger at next claim which means if initial claim is more than sum Insured then you need to pay from your pocket
Very very useful information
Namaste
I like your desk setup.
Mam. Aapki Jankari se kafi Naya Malum huva insurance ke bare me... Likin aapke hishab se consi insurance company appke pera metir ke hishab se general li maximum royal he.. Wo name bate sake to video me to kafi logo achha hoga.. & again thank u.
Swati jee looking as usual, Gorgeous. I never get tired seeing u. May b u get tired replying. Its k. Blessed to see u Swati jee. #Devinebeauty
Mam konsi company 45 year old man se ago medical nhi leti h customer se
2-3 saal par discount wali baat galat hai. Usually just 5-7% discount hota hai. Lekin lumpsum bhi toh dena hota hai. Equity MF main daalkar 10% toh aise hi mil jayenge. Lumpsum mat do premium.
Your premium is locked for 3 years even if inflation occurs you don't have to.pay more premium till that term
@@soodvikram84 It's not affected much. It's only good if after 3 years you are entering a higher age bracket and your premium is increasing by 25-30%
Can you please review "
Aditya Birla - 1 Cr Sum Insured (5 Lacs - Activ Assure Diamond + 95 Lacs- Super Health Plus") Plan ? This is high demand from Policy Bazaar these days.
Swati ji.
Pl advise should v purchase Policy from agent or direct from company.
Direct from company premium is less whereas thru agent Premium is more but some people suggest that agent can help in claim settlement whereas in other case no body is supporting, pl advise & m sure u wl guide me definately
Thnx
Very useful information....Got to know many things from you..Thanks Swati Jee.:)
That's really kind of you to say that Sushanta Jee. Stay Blessed, B Wealthy.
Aapke video bahut acha hain
Very very important information by health insurance policy..... Mem
Hai mam Tata AIA ka term plan premium Sabse sasta hai.isko Lena correct or not mam.my decide nahi kar PA rahi hoom.please aap bathayiena
Swati ji👏👏👏
Thanks.
Hi Nice information lekin top 10 ya Best health medical insurance konasi company he us par video banaye
Very good information .Thank you Swati mem
Thanks Neelesh Jain Jee. Stay Blessed & B Wealthy.
Plz clear can v pay emi fixed by bank for home loan to save tax or v should pay more than emi plz guide in this regard.. Thx n god bless you mam
Good information swati Ji
Very informative series madam.. Loved it
Thank you for watching the video Raman Jee. Stay Blessed, B Wealthy.
Mam I like video about madiclam health insurance. My question is my mother age are 65year? Which madiclam policy best for mother icici lombard or star seiner citizens health insurance? What are priemam, benefits and which ones best plan for her age
Why you have to be so beautiful ..to provide so much valuable information.. the information is really important but it's all bring distracted by your beauty..in all your videos.. anyways.. your logic on shifting the policy or commitment to a policy is good n...other thing is cancer or operation coverage per city is important....can we buy these from third party e.g policy bazar
What is the best age for take plan mam pls suggest I know before 45 but what is actually best
Health insurance ke liye contact 8851486448
Please make video on portability . I am having new indian assurance plan since 2005 it's individual plan not family floater .current my age is 30yrs old . I want to port or should I continue I m confused please help me.
Thank you Ma'm . Your videos are very helpful.
Thank you so much for watching the video . Stay Blessed B Wealthy
Swati ji main aur meri wife 12 saal say National insurance company ki Mediclaim policy Kay user hain aur 12 saal may ek bar bhi claim nahi Liya hai Inka tyeup Bobaroda SA tha jo khatam ho Gaya floater pol 2 lakh ka premium last year 4500 tha tyeup khatam ho janny Kay Baad ab individual policy mujhay aur wife Ko 24000 mang rahay hain yahan ek advantage yeh hai ki sari existing diseases cover hain policy port karnay par existing diseases kaliye waiting 3 ya 4 saal ka hoga meri age 71 aur wife 65 ki hai Kaya mujhe yahin continue karna chahiye pl advise
Thanks madam...is it worth to buy both critical illness Mediclaim policy (due to very low premium & to cover huge medical expenses) and critical illness fixed benefit plan ( to secure loss of income) ?
Mam may I know what is the main difference between getting mediclaim and getting health insurance..?
Deepanjan Jee, thank you for watching the video. Please find the answer in detail.
1. What is a Mediclaim policy?
Mediclaim Policies are designed to cover the cost of hospitalization and treatment towards predetermined disease or illnesses. The premium of the policy depends upon the sum assured which has to be paid annually.
2. Difference between Mediclaim and Health Insurance.
While both the mediclaim policy and health insurance scheme cover hospitalization expenses, the latter is a more comprehensive and extensive health plan. Health insurance policy offers hosts of additional benefits like reimbursement against emergency ambulance service, loss of income due to illness etc.
3. Does mediclaim policy offer the facility of cashless settlement?
Yes, if the policyholder is seeking treatment at any of the partner hospitals, then the clause of cashless hospitalization is applicable. In the case of the non-partner hospital, relevant bills will have to be produced at the time of settlement. Similar drill applies to health insurance scheme as well.
4. Does mediclaim policy cover critical illness?
No, mediclaim policy provides cover against critical illnesses. This is because, these policies have a lower sum insured and generally does not go beyond 5 lakhs. Since treatment for critical illness incurs huge expenses, the policy may not be enough to meet the cover. However, on the other hand, individuals who already have a health insurance can opt for a Critical Illness Rider. Remember higher the sum insured more value one gets out of their health plan. Under a health insurance scheme, people get sum insured for 25 to 30 lakhs.
5. Is the tenure of both schemes similar?
Mediclaim is a general insurance policy which has to be renewed annually. On the other hand, health insurance is offered by life insurer’s tenure of which is usually up to 3 years or more. So, while the premium amount of these policies may vary each year, the premium for health insurance remains unchanged.
6. What if the claim is less than the sum insured?
In case of mediclaim policy, the policy holder can make end number of claims until the entire sum insured amount is exhausted. However, in case of health insurance, especially in cases related to critical illness, the insurer transfers the entire sum insured to the policy holder irrespective of the actual cost of treatment. Therefore, there is no scope for making repeated claims during the entire tenure of the policy.
A lot of people opt for Medicliam Policy because the premium amount is less. While some experts may argue that it is a grave mistake, the truth is that it’s always better to have some form of health coverage than no cover at all. Health insurance is a more comprehensive plan offering hosts of benefits. However, if your pocket does not allow you to afford health insurance, it is not a bad option to go for at least a mediclaim policy.
At the same time, if you have mistakenly purchased a mediclaim policy, thinking you have purchased health insurance, it is not a bad idea to buy a separate health insurance policy. The advantage of this would be is that you can utilize your mediclaim policy for any kind of minor hospitalization, which will give you no-claim bonus on your main health insurance plan.
Source: HDFC Ergo website. Stay Blessed, B Wealthy
Hello madam please tell me for health insurance family floater which company is best HDFC ergo, Cigna ttk or iffco tokio
Mam thank you very much. your are explaining very beautifully to understand easy. please inform me which are good plans or companies to take a policy for Individual and family. i try to take a policy for last one week but very confused to take policy. please help me. thank you .
Grt mam very useful information.. U looks gorgeous mam.. God bless you
Mam,is reliance infinity health insurance is good for me and my wife?
Madam ji max life insurance mujhe lena hai kya ye sahi hai please max life insurance ke bare mea bataiye
Swati ji you are the most precious glorious and luxarious for us.
Hello Swati, i bought my health policy from Star Health Optima , as you said that premium can reduce if u living in Zone B...however i have living in Delhi but representative ne kaha k aap apna premium kam kara sakte ho agar out of delhi ka address ho issme aapko sum assured b extra milega...so now i want to know if some day i need to hospitalize than the benefit i can't take? please reply.
Thanks , Swati .
Nic looking mam and very intelligent
Mam plz sound is very low ND next time plz high sound k video banaya kare
Jarur Annu Gupta Jee. video dekhne ke liye dhanyavad. Stay Blessed & B Wealthy
Like icicl manipal cigna bajaj Apollo max bupa hdfc religare konsi accidental policy best hai
मैडम , मेरी उम्र 36 साल है, मेरी एक बेटी है और मैं एक और बच्चे के लिए सोच रहा हूँ । तो मैं कौन सी पालिसी लूं जिसमे मेरी , मेरी पत्नी , मेरी बेटी और होने वाले बच्चे का मेडिकल इन्शुरन्स कवर हो, और जैसा कि अपने बताया insurance ले तुरन्त बाद से ही कवर नही मिलने लगता है, तो मैडम मैं कौन सी पालिसी लू जिसमे जल्द से जल्द डिलीवरी के पहले और बाद के खर्च मिल जाये । कृप्या बताये।
Health insurance ke liye contact kare 8851486448
Mam you are so nice. Thank you for Information.
Thanks to you too Mayank Jee, for watching the video. Stay Blessed, B Wealthy.
Very Nice
Thanks S karanwal Jee. Stay Blessed & B Wealthy.
Share market ke related videos banao na Mam for beginners k liye
करेंगे काम उस पर जल्दी ललित जी। Stay Blessed, B Wealthy.
Thanks a lot mam 🙏🏻😊😊
Ma'am, can you please tell if MAX BUPA is a good company?
Royal sundram lifeline supreme policy to achi lgi bss maan claim settlement ko lekr thoda confuse ho. Aur sb ne kaha ye tpa k dwara claim deta h jo ki acha nhi hota is that true??
Best Test Policy 👌...
Mam plz tell which company is best with respect to claim settlement raio.
Kindly mention overall summary importance points 🎯
My age 69 .pl advice me which med policy is best & minimum amt .
mam maternity coverd policy konsi hai
Top ten 2018-19 ke claim settlement ratio ki jankari dijiye
Your videos are very good
I Love Your smile
SBI Life -poorna suraksha . plan ke bare me btana ma'am please K je Lena Thik rehega
Nic. Mam..... Information
What happens to a floater health insurance policy having two adult members in the event of death of one of the members? Will the surviving adult member be able to renew the floater policy next year without the other member?
Mam mujhe sirf ye janana hai, jaise mere father central gov. Ke ex service man hai, to kya mujhe health policy leni chahiye because unke liye govt. Pay krti hai, m lena chahta hu, but kya policies contradictory to nhi ho jayegi...agar kuch suggestion de sake to...
Health insurance ke liye contact kare 8851486448
Thank you madam for your kindness....
Thanks Arup Ghosh Jee. Stay Blessed & B Wealthy
Nice information ,Swati Madam.
Thank you so much for watching Sangram Jee. Stay blessed, B Wealthy.
Mam,now a days I am looking for work plz suggest me some best demanded work I should start .
Health company' kin-kin paristhiti me claim nahi deti hai ya fasati hai.
Riders add or remove kar sakte he mem
life cover insurance company kon sa claim jada adsa deta hai mem
IRDA - इंश्योरेंस रेगुलेटर डेवेलपमेंट अथॉरिटी के 2017-18 रिपोर्ट के हिसाब से Max Life का क्लेम सेटलमेंट सबसे ज्यादा है त्रिपुरा जी। उसके बाद है LIC और तीसरे नंबर पर है TATA AIA. Stay Blessed, B Wealrhy.
@@BWealthy thanks mem
madam premium remain same or changes with passage of time.
Thank you mam
Thanks
Good presentation....
Thank you so much Mujeeb Jee.
Hello maim.. मैं भी म्यूच्यूअल फण्ड में sip इन्वेस्ट करने चाहता हूँ।। लेकिनमे म्यूच्यूअल फण्ड में बिल्कुल नया हुन।। मैन paisabazar.com में एक फण्ड देखा।। जिसका return बहोत अच्छा है।। तो ये फण्ड है।। Canara Robeco Emerging Equities - Direct Plan (G)
और मुझे 10 साल या उससे ऊपर के लिए इन्वेस्ट करने है।। तो क्या आ फण्ड मेरे लिए सही रहेगा।। maim,, plz... reply me। maim.......
प्रमोद जी, अच्छी बात ये है कि आप लंबे वक्त के लिए पैसा निवेश करना चाहते हैं और उसके लिए म्युचुअल फंड की तरफ देख रहे हैं। Canara Robeco Emerging Equity Fund एक लार्ज और मिडकैप फंड हैं। 10 साल का रिटर्न भी 25 परसेंट से ऊपर दिखा रहा है। लेकिन इस बात का ख्याल रहे कि आप म्युचुअल फंड - इक्विटी - में निवेश करने की सोच रहे हैं और ये शेयर बाजार से जुड़ा विकल्प है। जैसे शेयर बाजार में उठा पटक होती रहती है, यहाँ भी रिटर्न ऊपर नीचे होता रहता है। इसे रिस्क कहते हैं। हालांकि लंबे वक्त में इक्विटी ने मोटा मोटी तौर पर पॉजिटिव रिटर्न ही दिया है। अगर आप ये रिस्क लेने को तैयार हैं, तो निवेश शुरू करने में कोई दिक्कत नहीं है। Stay Blessed, B Wealthy.
Thank you so much maim.. maim plz आप कोई फण्ड बताइये जो मेरे लिए बेस्ट हो। मैं 3000 पर मंथ sip करूँगा 5 साल से ऊपर के लिए तो।। plz आप मेरा थोड़ा सा हेल्प कर दीजिए maim। plz
Is it beneficial or not
Great tips mam.
Thank you so much for watching the video Varun Jee. Stay Blessed, B Wealthy.
Accidental policy kis company ka best hai i
Mam u r looking more beautiful ,stylish,& attractive in this type of dress.
mem Ageon se eterm insurance leya he.pl suggest it is good company
मॅडम अभी हम अगर पॉलिसी लेना चाहते हैं तो कौन्सी कंपनी का बेहत्तर ऑप्शन हैं जीसकी सेवाये सबसे आच्छी हैं
Hi, if i pay premium of 50k per year for my parents and dont claim then, would i get money invested back?
Nice description
Thanks madam
Swati mam best health insurance low premium high sum assured . What kind of royal Sundaram supreme plan .
Mam please guide
Where I found claim settlement ratio of health insurance companies
Hi ,
I really like your channel , Mam you have not shared any information about network hospitals which provide facility to treat patients under that policy. Is network hospitals knowledge important at the time of taking new health policy
Saurabh sharma jee, I have talked about it in other video. Anyway, knowing about network hospital is very important. Buy a insurance only if they have good network hospital near your home. Stay Blessed & B Wealthy
@@BWealthy Sure . thanx Mam
Sound is not good, means very low even in headphone
Ek saal m clam kitna bar milta h..
Fantastic video Swati mam
बहुत शुक्रिया संजय जी। कैसे हैं आप?
Fine hu aap kaise ho mam?
आप सभी की दुआएं हैं संजय जी ।
thanks good inf. sunil
only mutual funds...
Hell mam,
Premium one time pay Karna hota hai ya every month
mam you are looking very pritty ....🍫🍫
Very nice 👌
Thank you for watching the video Shashi Jee. Stay Blessed, B Wealthy.
Swati g looking so gorgeous and lovely
Mery helth insurance ko 5 year ho ghy h but my y kasy pata karu ki y zone A - B hai
Plz mic use kariye
Plz suggest best health insurance plan my age 36 non smoker non alcoholic, suggest the company from whom should I take health insurance
Hdfc ergo, Star Health, Care. Any company from the three.
Thanks.. Mam.. Ek baar fir.. Se...
And I am grateful for your comment Ritu. Gratitude and Blessings
Swati Ji nice video and u r looking very gorgeous.
Further can u pls suggest me, my father is 62 now , will it be wise to take policy or start MF to collect some wealth for this purpose.
Thank your for watching the video Vishal Jee. I am sorry, I don't understand your question. Do you want to invest on behalf of your father?
@@BWealthy Yes , I mean taking health policy for him at this age would very expensive , so rather should I invest in MF of FD or another option.
Go for insurance to reduce your risk. Don't mix investment and insurance.
I have personally seen some insured avail total sum insured every year due to critical health condition. Spending 10 lacs every year destroy all future plans.
First insured with term and health then invest for future.