If you're considering health or term insurance, don't navigate the options alone! Book a FREE 30-minute call with our top advisors. Get spam-free, high-quality advice tailored just for you. Click the link to secure your spot now - ditto.sh/xb6ez4
@@hariharaa70 until you received the claim on your requirement. Service means claim settlement so after receiving the claim we can say plan is excellent
If i apply room modifier will then my entire bill be paid as per any room chosen ? Or there is some hidden condition like only room rent will be covered not the entire cost of the treatment. I mean it is difficult to trust these insurance companies now a days
I am an ICICI Lombard Policy holder for 4-5 years and in fact we have taken 5 separate policirs for each of my family members . Let me tell you that while i haven't faced abt issues in getting the Hospital claims , but in all other aspects their Customer Service is the worst . Clueless executives , refusing to give anything in written , forcing to buy Befit Add on calling it Mandatory from subsequent years, spamming for unwanted stuff and not even admitting their mistakes . In past 2-3 years, I have spent hours and hours quarelling with them over phone and mail . I would recommend you pay a little more but buy a policy which gives peace of mind. Am also looking to port all my family members to other Insurance company.
@@hariharaa70 yes claim settlement is the only service and if they are paying then it's fine but icici is avg in claim settlement and service is also poor and he is not complaining too much he just writing one issue which is important for every one are they forcing to take befit rider
This policy has one problem, it has single private ac room limit, which can be modified by a room modifier add on , but dont know the even after applying the add on the claim amount is linked with the single private ac room or with respect to the add on which has no room rent limit
I think ACKO was first to introduce the unlimited cover in health insurance and icici is now following it! And that too no add-ons in acko. Acko covers everything without addons.
Hi Ashwin, While this video is in our pipeline, why don't you take a look at a dedicated article we have on ICICI Lombard Health Shield 360 - joinditto.in/health-insurance/icici-lombard/health-shield-360/ For any further assistance in choosing an ideal plan for you or your family, don't hesitate to reach out to us on - ditto.sh/xb6ez4
For a 18 min video there can be better explanation of all the add ons. There are about 20 add ons but most are simple to understand. Mainly you missed the power booster add on which gives 100% bonus every year irrespective of claim made. So your 10 lak policy automatically becomes 1 crore in 10 years provided you opt for this cover during every renewal
Power booster add-on is only for those who haven't opted for the unlimited restore benefit. So I don't know how it helps because anyways you are getting the unlimited restore benefit without paying extra.
@@harmeetsingh3759 Unlimited restore comes by default and you dont need to opt for it, why power booster is better than unlimited restore benefit is, what if the single claim amt is more than the SI, then the increased SI by power booster comes in to picture for help.
Best add ons in this policy 1. Power booster (gives 100% bonus every year irrespective of claim made) 2. Infinite care (unlimited claim once during your lifetime) 3. Inflation protector (every year sum insured increases as per cpi) 4. Ped buyback cover 5. Specific illness buyback cover. 6. Claim protector (coverage for non consumables) 7. Critical illness cover (lumpsum payable)
@@hariharaa70 sir if we take one year policy with ped and specific disease cover then do we have to pay these premiums in next year or it is for one time only and 2 in document they write policy lifetime. Pls clarify it's policy lifetime or once in lifetime. Policy lifetime means during policy period.
@@musicuniverse5896 you have to pay for ped cover for 3 years and specific illness cover for 2 years if taken at policy time. You don't have to pay for these add ons post 3 years for ped and post 2 years for specific illness waiting period.
I think unlimited claim insurance is a gimmick to charge more premium. Think practically and decide on the required coverage amount. Most of the health policies provide a good cumulative bonus that increases coverage. Unlimited coverage is definitely good but do we really need unlimited coverage ?
@@animesh_agrso u mean to say similar like other policies 5,10,20,25L it goes on and the final is unlimited sum..!!! So premium also goes in the same increasing liner way, Am I understanding it rit..?
@@khosla9009 if u r young nd ll nly use insurance at ur old age say after 20 yrs thn unltd si makes sense or evn 1 cr policy wth infinite bonus whch ll make it 20 cr...considering medical inflation it makes sense ...premium is not tht high
Hi there, We have a dedicated Hindi Channel. Consider subscribing to our channel and as will cover this topic soon. www.youtube.com/@DittoInsuranceHindi
If you're considering health or term insurance, don't navigate the options alone! Book a FREE 30-minute call with our top advisors. Get spam-free, high-quality advice tailored just for you. Click the link to secure your spot now - ditto.sh/xb6ez4
Bought this plan 3 days back with ped and specific illness buyback. Paid 22k for 2 years. Excellent plan
@@hariharaa70 until you received the claim on your requirement. Service means claim settlement so after receiving the claim we can say plan is excellent
For 1 person or or family?
Which add on?
@@buntynagda4497 both plan include sir
22 k for 2 years
If i apply room modifier will then my entire bill be paid as per any room chosen ?
Or there is some hidden condition like only room rent will be covered not the entire cost of the treatment. I mean it is difficult to trust these insurance companies now a days
I am an ICICI Lombard Policy holder for 4-5 years and in fact we have taken 5 separate policirs for each of my family members . Let me tell you that while i haven't faced abt issues in getting the Hospital claims , but in all other aspects their Customer Service is the worst . Clueless executives , refusing to give anything in written , forcing to buy Befit Add on calling it Mandatory from subsequent years, spamming for unwanted stuff and not even admitting their mistakes . In past 2-3 years, I have spent hours and hours quarelling with them over phone and mail . I would recommend you pay a little more but buy a policy which gives peace of mind. Am also looking to port all my family members to other Insurance company.
You complain too much. Claim settlement is primary service.
@@hariharaa70 Best of Luck .
@@hariharaa70 yes claim settlement is the only service and if they are paying then it's fine but icici is avg in claim settlement and service is also poor and he is not complaining too much he just writing one issue which is important for every one are they forcing to take befit rider
The worst customer care service I have experienced with ICICI lately on all fronts so I try to distance from them as well.
Valuable information sir
This policy has one problem, it has single private ac room limit, which can be modified by a room modifier add on , but dont know the even after applying the add on the claim amount is linked with the single private ac room or with respect to the add on which has no room rent limit
Yes. Serious problem
If i opted this policy directly online can i get ditto team support for claim process in future??
if You want to purchase and get health claim support as well contact us
I think ACKO was first to introduce the unlimited cover in health insurance and icici is now following it! And that too no add-ons in acko. Acko covers everything without addons.
What kind of dental procedures are covered?
Accidental only...
Could you please suggest a plan which has more than 92% CSR
HDFC Ergo optima secure
Thanks ditto for always simplifying insurance for us!
Hey, I saw your profile pic! You are cute 😊
Is this plan cover all daycare procedures?
yes
Is there any sublimits on certain diseases
No
ICICI elevate or hdfc optima secure best? Waiting period critical illness ?
If you have ped then go for elevate
Critical illness is covered from 90 days
Optima secure or icici elevate
Optima hdfc is 10 k costlier than elevate is it worth
Elevate is better. Contact for further details
Optima secure vs ICICI Lombard Elevate Health Insurance ? How is ICIC's claims settlement process & customer experience?
Hdfc any day for claims process
Acko health insurance already have this unlimited sum assured plan right ,, how it is ,, how are the numbers above that policy ?
Today I bought this same plan
Any reason for not taking hdfc ergo? Premium high or?
Icici compare goverment health insurance 💯% Trusted more need tell i will explain
@@kalwasaikrishna4859premium high
Hi Team, Could you please explain about ICICI 360 Shield Health Insurance provided by ICICI Bank.
Hi Ashwin,
While this video is in our pipeline, why don't you take a look at a dedicated article we have on ICICI Lombard Health Shield 360 - joinditto.in/health-insurance/icici-lombard/health-shield-360/
For any further assistance in choosing an ideal plan for you or your family, don't hesitate to reach out to us on - ditto.sh/xb6ez4
For a 18 min video there can be better explanation of all the add ons. There are about 20 add ons but most are simple to understand. Mainly you missed the power booster add on which gives 100% bonus every year irrespective of claim made. So your 10 lak policy automatically becomes 1 crore in 10 years provided you opt for this cover during every renewal
Good point. Feedback taken.
Power booster add-on is only for those who haven't opted for the unlimited restore benefit. So I don't know how it helps because anyways you are getting the unlimited restore benefit without paying extra.
@@harmeetsingh3759 Unlimited restore comes by default and you dont need to opt for it, why power booster is better than unlimited restore benefit is, what if the single claim amt is more than the SI, then the increased SI by power booster comes in to picture for help.
Best add ons in this policy
1. Power booster (gives 100% bonus every year irrespective of claim made)
2. Infinite care (unlimited claim once during your lifetime)
3. Inflation protector (every year sum insured increases as per cpi)
4. Ped buyback cover
5. Specific illness buyback cover.
6. Claim protector (coverage for non consumables)
7. Critical illness cover (lumpsum payable)
@@hariharaa70 sir if we take one year policy with ped and specific disease cover then do we have to pay these premiums in next year or it is for one time only and 2
in document they write policy lifetime. Pls clarify it's policy lifetime or once in lifetime. Policy lifetime means during policy period.
@@musicuniverse5896 you have to pay for ped cover for 3 years and specific illness cover for 2 years if taken at policy time. You don't have to pay for these add ons post 3 years for ped and post 2 years for specific illness waiting period.
Looks like a great plan worth considering!
Why does this policy seem too good to be true? And that too from ICICI Lombard.
A policy where too many add ons are required for make it comprehensive, then that policy should be kept as last option.
AmitSharma-kd7rj not really. For 10 lak with few important add ons you can get around 10k premium.
Not mentioning the unlimited 100% cumulative bonus annually is a huge miss!!
best health insurance for cancer survivors (with out any sublimit)
hey pls do star health newly launched SUPER STAR health insurance
If you have any ped. Critcal illness cover will not be given.
But unlimited cover is only once in a lifetime,as per policy and rest all normal
once in a lifetime is a separate add on.
you have the option of choosing an infinite cover as well.
only acko and ths policy provides unltd cover ...
I think unlimited claim insurance is a gimmick to charge more premium. Think practically and decide on the required coverage amount. Most of the health policies provide a good cumulative bonus that increases coverage. Unlimited coverage is definitely good but do we really need unlimited coverage ?
@@animesh_agrso u mean to say similar like other policies 5,10,20,25L it goes on and the final is unlimited sum..!!! So premium also goes in the same increasing liner way,
Am I understanding it rit..?
@@khosla9009 if u r young nd ll nly use insurance at ur old age say after 20 yrs thn unltd si makes sense or evn 1 cr policy wth infinite bonus whch ll make it 20 cr...considering medical inflation it makes sense ...premium is not tht high
What an excellent video
I left this health insurance..no transparency..premium har sal jitna jee chahe badhate hai..koi rule nhi...wasted my money
I faced same with hdfc also
he gave half cooked info...for eg critical illness cover add on is only till a certain age....
Till what age ?
@@Iamniyas17 i dont remember ..may be 60 65
Hindi speaking audience also can afford this plan so better make hindi ones.
Disliked for English language..
Hi there,
We have a dedicated Hindi Channel. Consider subscribing to our channel and as will cover this topic soon. www.youtube.com/@DittoInsuranceHindi
A a a a a...
Very bad service ICICI Lombard
please don't buy icici Lombard health insurance. I have a very bad experience with this policy
What facing bad experience tell me
Share your bad experience
then which one do you suggest ?
Share what