I have a doubt, have you made this video to promote your insurance affiliate link, or to spread awareness? Because insurance commissions are way to high!!
Pin this message. Points to remember. 1) No room rent capping 2) no co payment 3) no deductibles 4) no zonal co pay 5) includes all charges and for all things not like excluding some material in operations and all 6) super topup without room cap and do see its conditions and terms... mostly these are not portable means once u have taken, u need to continue till last . if u discontinue u have to start from zero for P.E.D 7) always opt for no claim bonus and restoration, in case of non claim bonus one prblm is there, in some cases they will minus the non claim bonus once u make a claim in some case they will just reduce claim amount. and in restoration, check how many times and either full or partial... 8) renewal till how much age/ and entry barrier 9) company should be profitable 10) disclose all the details and check for reimbursement and cash less...both should be there... ❤❤❤
Usko pta hota to pehle hi likhta naam then explain kr deta points...ye saare points sayad hi kisi health policies se match kre... preference apne hisaab se khud ko dekhni hogi.. with their claim settlement records...
Just wow! Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot of people to select best health insurance for their family. Because common man cannot distinguish between a good and a bad policy all thanks to these fancy words used by these companies which try to make profit and use all their brain to reject the claims. Much awaited video.🤩
That’s why early you buy medical and term insurance, the better it is..I bought both at the age of 28, today I m 42, and paying just 19k for both as premium, medical cover of 10 lac and term insurance of 1cr+..living a peaceful life!! 😊
Right now im 33 and paying arround 10 k yearly for health insurance which I strated in 2021. And I thought that premium amount keeps increasing as age goes up so how you are paying such low amount at the age of 42, specially for health and term insurance together.
Lol😂. Health insurance increases with age. Premium is based on age band. And if u have bought cheap health insurance then they will show their colors when u initiate claim😂.bcoz health insurance companies do this. They will reject ur claim by saying " hospitalised not needed " . That's why i tell my customer to choose either tata or hdfc ego health insurance .
Regarding room rent limit. Let's say your room rent limit is 5000. You go for a treatment with room rent of 10000 per day. You will think that I will bear 5000 per day extra for the room rent from your pocket. But wait. When you go for settlement, you will see that every claim is reduced to 1/2 of actual payment. So for 3 days, instead of paying 15k from your pocket, you end up paying half of actual bill. This is really tricky and health insurance providers play around with the T&C. So you should definitely seek higher room rent
Quite informative... but have few follow-up questions... 1. Why are insurance companies offering super top up.. is there a disadvantage associated as against taking higher base cover.. like once I get old, they stop giving me super top up facility and I get stuck with base cover I had earlier as that too can't be increased... 2. Ps do provide guidance in porting.. the process, what we should consider, etc. Etc...
"Why would companies stop super top up facility? Top ups and super top ups are good options to keep your health insurance affordable. If you want to port your policy, you need to talk to the new health insurer 45 days in advance of your renewal date. Give them all the details of your existing policy and claim history. Based on that new insurer will decide if they are ready to give you cover under porting. If they agree, pay premium to the new insurer and port your policy. If they say no, if have to renew with your existing insurer or check out some insurer in the market."
@nidhiverma22 thanks... there has to be some catch here... if this makes affordable and available for all then why not bring the overall base premium down instead... as per law, if I have taken a policy (base only)... the insurance company needs to continue the coverage when I get old (and would use more of insurance)... they can only refuse to increase coverage... however, this doesn't apply to top-ups hence I asked... more clarity here will be helpful with the legal angle also...
@@sunilmehta_ Insurers have to provide lifelong renewability to top-up plans as well. IRDAI does not say that life long renewability clause only applies to base products. Though companies can increase the premium with time and age which might make them unaffordable after a point.
Please cover few more things in any upcoming video - 1) if person has employer provided medical insurance and personal medical insurance, is there any enhancement to total coverage or are expenses to be distributed across both of the insurance policies? 2) there is an online insurance account being created - if people use that will all insurance providers get to know about all policies we hold and the coverages?
Best option h apne aas pass k logo se baat krke hi health insurance le.. kyoki wahi log bta skte h kon si company claim pass krti h or konsi bs policy bechti hai
Please make a video for senior citizens who are 65+ and above about things to consider for taking health insurance for my parrents that are 65+. Please that will be super helpful for us. Thankyou ❤
11:31 person has to pay more than 14000 as room rent is directly related to total hospital bill In the example of 6000₹ room rent for 14 days if 5000₹ is room rent limit It's not that u have to pay only 14000₹ extra It's about the percentage of room rent limit of actual room rent In the same example 267000₹ was total bill so 5000 is roughly 83% of 6000 so difference of 17% on total bill is you have to pay from your pocket which is 45000₹ and not 14000₹ This percentage makes huge difference if total bill is on higher side
Many people in Rajasthan State are not spending money on Health Insurance because FREE hospitality and medical FACILITIES available here by Congress GOVT.🤟
Just save few bucks you can’t risk your family and finances better go with what you understand and covered your requirements with best healthcare plans with past performance. Cost doesn’t matter ❤
Some points are not correct. You should always go for higher base sum assured amount. If you undergo a surgery or a condition wherein you claim a good amount of money, insurance companies won't let you increase your cover afterwards. As a result, inflation would increase with time but your cover amount would remain the same . Ultimately, in the long run you can potentially end up paying a lot from your pocket.
I have purchased group insurance policy for health insurance, it was provided by leading home loan aggregator, where I am paying 25k annually for 3 member family with cover of 20 lacs, it is a good buy, please respond.
Always buy a health insurance even if ur employer is giving u insurance bcoz it is group policy plus when u change ur company ur insurer will also be changed .so it is better to buy a personal health insurance policy . It is just like normal policy buying .i will help u if u want to buy policy .if u buy from me or from other source just buy policy from Tata & HDFC only.
Prasad ji. i m from Rajasthan. and Rajasthan me 2011 se govt free health services free medicines free diagnosis de rhi h. yaha health insurance ka craze kafi km hai.
There should be a strict regulatory agency like SEBI over these health insurance companies, first of all they don't make medical checkup mandatory and then reject claim by lame excuses that you did not disclose this or that?
Co-pay aur ache se explain kariye, common logo ko samaj nai aata. Add kariye ki over weight and under weight logo ko extra premium, smokers ko premium load lagta hai and many things…
Thanks bro for valuable teaching,I wish to know do we need to take super top up every year or some year can we skip and once again take it??as base cover we have pay mandatory
Hi sir need ur advice, i am having max bupa 1cr ( 10 lac base and 90 lac super top up) health insurance, purchased 2 yrs back, now should I decrease base to 5 lac as per ur video or keep it 10 lac only, what is the significant importance of base?
To me as a common man, I feel cheated and therefore feel distracted from buying health insurance. I feel that the health insurance and health care industry both appear to be hand in glove on the entire process. To be honest, so much complication of If and But applied by the entire Health Insurance sector, distracts general crowd on subscribing to the health insurance. Besides this, waiting period etc are another distractors. Why cant the sector come up with something really simple?
This is the video I had been waiting for, for the past 2 years. Though Prasad has covered fewer points than say, LLA, but he has done it in the way no one, not even LLA has been able to cover. Really really appreciable. ❤❤❤❤😊🎉 Very simple. Cleanly laid out. Very useful.
Also Restoration benifit will not work on the same disease .. For example I have been hospitalized due X Disease and utilized full sum assured.. then in same year if again hospitalized due to X disease .. Restoration will not work.. it will work on other disease for example y disease.. it shouldn't be relatable to the X disease.. then only Restoration benefit will work.. and yes as you said if a single rupee is remained in the sum assured.. Restoration will not be able to get active..
Very good information, Prasad. Have a query. As compared with few years before, the premium is now tripled at least by most insurance companies. Any chance of premium amount getting significantly reduced in near future?
Try to buy some liquid assets like gold, accumulate gold slowly around 5 lakhs, then 10 lakhs easy liquidity may help you anytime and after you have it for 6-7 lakhs, you may ignore paying insurance premium...this is the only hedge that I can understand as of now...any other ideas please suggest.
Sir.. aaj kal ozone coin hamare shaher me log khub zameen bech kar invest kar rahe hain pls ek video banay ye log saal me paise double ka wada karte hai
In Dubai OPD, normal doctor's consultation, medicine etc are covered by Insurance companies, why are companies in India not covering medicines and doctors opd consultation?
Excellent explanation. In 2024 with most companies having rebound of base cover, top vs super topup is slowly becoming irrelevant. Regarding rebound of cover, lookout for policies that immediately refill on partial usage.
All these prices are raised by corporate hospitals and there is nexus between corporate hospitals and insurance companies. Both of them get benefit from each other only the person who don't get benefit is common man.
Government is not at all interested in improving middle class life. All these rules are majorly for middle class who pays for their insurance. Why not simplify the insurance process like having a max limit and after that everything borne by these insurance companies. Better just make our direct tax 0 and we can take care of these expenses.
सर मेरी मा का एज फिफ्टी फोर हे उनको डायबेटीस है बीपी है और उनके स्पाईन मे गॅप है तो इनके लिए कोनसा हेल्थ इन्शुरन्स सही होगा और जैसे आप कहते है अगर मैने पाच लाख का इन्शुरन्स लिया और सुपर टॉप लिया तो क्या फायदेमंद रहेगा एज ज्यादा होने के कारण प्रीमियम बहुत ज्यादा दिखा रहे है मै क्या करू कृपया कर जानकारी दे
8:54 You said we have 5 lac base cover and 5 lac super top-up. Then, 1 lac base is remaining. Won't insurance company pay from super top-up in this case? 9:34 Restoration aur sub limit se confuse nahi hona hai. I think that's a mistake. We were taking about restoration and super top-up.
But what about fraud of company. I have faced fraud from star who rejected claim on ground of disease which never happened. This can happen to you also. Never believe a company especially star health.
Sorry, you are doing the same thing. You are collecting money for training but after getting it, no communication from your team, even not giving the reply also. I don't know, how you guys are playing with the belief of others like me.
बेस अमाउंट कम होने से रूमरेंट,और हॉस्पिटल के अन्य चार्ज पर केपिंग आ जाता है,Top up से इस पर कोई फर्क नहीं पड़ता, बेस अमाउंट के हिसाब से ही रूम कैसा ले सकते हो ये कैकुलेट होता है
Kul milakar baat yah hai ki yah sab itni badi badi terms/marketing strategy use karke companiyan khud Paisa Kamane ke liye baithi hai, hamara bhala karne ke liye nahin .
Bhai isne bht sari information glt btai h but most importantly for the love of god plsss high sum assured vala plan select kre hamesha do not relay on topup/super topup plans coz 10 saal bd jb apko sahi m insurance ki jrurat hogi and tbtk company ne ye features dene bnd kr diye honge to 5 lakh se krvate rehna apka ilaaj. Plus agar apne dekha hoga to 5 lakh ka plan 7k ka tha and 1cr ka plan 17k ka so jayada difference hota nahi h..
Muje bhi ek achi life insurance policy ki jarurat samj nahi ata kitna lu jo inflation chal raha 30 40 saal baad life insurance policy fyda degi family ko nahi
Buy Health Insurance Now : bit.ly/41At3yC
25% Discount Applied
I have a doubt, have you made this video to promote your insurance affiliate link, or to spread awareness? Because insurance commissions are way to high!!
Make video on Ayushman Bharat scheme, it's benefits limits etc..
There is no discount at all.
I also have a doubt .....are you doing a job or a business to satisfy the need of u and your family ..@@RajendraDubey00
Bhai Aapke is link se jo bhi buy karega aap claim service bhi doge na usko ? Because you are making money out of it...
Pin this message.
Points to remember.
1) No room rent capping
2) no co payment
3) no deductibles
4) no zonal co pay
5) includes all charges and for all things not like excluding some material in operations and all
6) super topup without room cap and do see its conditions and terms... mostly these are not portable means once u have taken, u need to continue till last . if u discontinue u have to start from zero for P.E.D
7) always opt for no claim bonus and restoration, in case of non claim bonus one prblm is there, in some cases they will minus the non claim bonus once u make a claim in some case they will just reduce claim amount. and in restoration, check how many times and either full or partial...
8) renewal till how much age/ and entry barrier
9) company should be profitable
10) disclose all the details and check for reimbursement and cash less...both should be there...
❤❤❤
Bhai itna bata diya 2-4 policy bhi bata do.
@@Aditya-gm8ufiss base pe khud research karlo bhai ..ditto aur policybazaar pe
ekdo policy to bhi bata do
This message deserves to be pinned.
Usko pta hota to pehle hi likhta naam then explain kr deta points...ye saare points sayad hi kisi health policies se match kre... preference apne hisaab se khud ko dekhni hogi.. with their claim settlement records...
Sandeep and Vivek Notice krne Wale log like kre 😂😂
Bhai har jagah yhi chal rha h jha bhi dekho...🙆♂️🙆♂️
Hahahaha
Bada Vivek 😂
#stop vivekbindra
😂
Just wow! Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot of people to select best health insurance for their family. Because common man cannot distinguish between a good and a bad policy all thanks to these fancy words used by these companies which try to make profit and use all their brain to reject the claims. Much awaited video.🤩
#stopvivekbindra😅
That’s why early you buy medical and term insurance, the better it is..I bought both at the age of 28, today I m 42, and paying just 19k for both as premium, medical cover of 10 lac and term insurance of 1cr+..living a peaceful life!! 😊
Right now im 33 and paying arround 10 k yearly for health insurance which I strated in 2021. And I thought that premium amount keeps increasing as age goes up so how you are paying such low amount at the age of 42, specially for health and term insurance together.
@@kapilsharma1293 every 5 years premium has increased because of medical inflation . I know very well because I am insurance Adviser
@@kapilsharma1293 I bought it age of 28; 7k for term and 12k for medical cover for family
I doubt, can you share which company?
Lol😂. Health insurance increases with age. Premium is based on age band. And if u have bought cheap health insurance then they will show their colors when u initiate claim😂.bcoz health insurance companies do this. They will reject ur claim by saying " hospitalised not needed " . That's why i tell my customer to choose either tata or hdfc ego health insurance .
Regarding room rent limit.
Let's say your room rent limit is 5000. You go for a treatment with room rent of 10000 per day. You will think that I will bear 5000 per day extra for the room rent from your pocket.
But wait. When you go for settlement, you will see that every claim is reduced to 1/2 of actual payment. So for 3 days, instead of paying 15k from your pocket, you end up paying half of actual bill.
This is really tricky and health insurance providers play around with the T&C. So you should definitely seek higher room rent
Thanks for letting us know this info. Super helpful.
Thik se batao bhai hindi mei
Yes I was thinking same
Yes it's true.
@@subhajitroy8672 bhai translate karlo Google translate me
Quite informative... but have few follow-up questions... 1. Why are insurance companies offering super top up.. is there a disadvantage associated as against taking higher base cover.. like once I get old, they stop giving me super top up facility and I get stuck with base cover I had earlier as that too can't be increased...
2. Ps do provide guidance in porting.. the process, what we should consider, etc. Etc...
"Why would companies stop super top up facility? Top ups and super top ups are good options to keep your health insurance affordable.
If you want to port your policy, you need to talk to the new health insurer 45 days in advance of your renewal date. Give them all the details of your existing policy and claim history. Based on that new insurer will decide if they are ready to give you cover under porting. If they agree, pay premium to the new insurer and port your policy. If they say no, if have to renew with your existing insurer or check out some insurer in the market."
@nidhiverma22 thanks... there has to be some catch here... if this makes affordable and available for all then why not bring the overall base premium down instead... as per law, if I have taken a policy (base only)... the insurance company needs to continue the coverage when I get old (and would use more of insurance)... they can only refuse to increase coverage... however, this doesn't apply to top-ups hence I asked... more clarity here will be helpful with the legal angle also...
@@sunilmehta_ Insurers have to provide lifelong renewability to top-up plans as well. IRDAI does not say that life long renewability clause only applies to base products. Though companies can increase the premium with time and age which might make them unaffordable after a point.
I never understand why government take 18 % gst in health insurance and life insurance ..
Paisa babu bhaiya.. Paisa ka khel hai.
Indian government hai. World highest uneducated policy makers india mai hai
Because people who take insurance are not significant vote bank for government 😂
Governments should promote health insurance as it will bring government expenses on health care significantly down.
Confusing explanation..
Plz make it simple NXT time
#stopvivekbindra
Loved your explaining way ❤
Thankyou for making this video. It has really helped me in buying right insurance.
Insurance company: "Day care treatment"
Prasad: Night ka kya?
😂
😂
You're doing a commendable service. 😊
Healthcare in the USA is worst thank god we live in india
Please cover few more things in any upcoming video -
1) if person has employer provided medical insurance and personal medical insurance, is there any enhancement to total coverage or are expenses to be distributed across both of the insurance policies?
2) there is an online insurance account being created - if people use that will all insurance providers get to know about all policies we hold and the coverages?
Ultimate guidance sir.
Hats off
"Aage kam aayega ye" soch kar kon kon dekh raha hai 🤭🤣
👇
Best option h apne aas pass k logo se baat krke hi health insurance le.. kyoki wahi log bta skte h kon si company claim pass krti h or konsi bs policy bechti hai
Please make a video for senior citizens who are 65+ and above about things to consider for taking health insurance for my parrents that are 65+. Please that will be super helpful for us. Thankyou ❤
Don't buy medical insurance Last time ap kab hospitalized ho gaye the...?
Hone ke bad bhi apka claim pass hoga ki nahi eski koe Garantee nahi hai..
Very Informative. Thank You 👍
Base base hota hai..
Base hi lena chahiye..
Super top ki terms and conditions har company main alg hoti hai
11:31 person has to pay more than 14000 as room rent is directly related to total hospital bill
In the example of 6000₹ room rent for 14 days if 5000₹ is room rent limit
It's not that u have to pay only 14000₹ extra
It's about the percentage of room rent limit of actual room rent
In the same example 267000₹ was total bill so 5000 is roughly
83% of 6000 so difference of 17% on total bill is you have to pay from your pocket which is 45000₹ and not 14000₹
This percentage makes huge difference if total bill is on higher side
Correct, that % amount of total bill we have to pay
ये सब देख कर मैंने मान लिया है की सच में हम अच्छे दिन में रह रहे हैं मतलब रोगी के लिए नही माफिया लोगो के लिए 😋😋
Waiting for the IREDA video🙏🏻
Rally
Avoid outside food, fast more, sleep more, move more. And you'll reduce your hospital Bill's by 80%
Yes
And what about age?
Surprise Accident 🙀 then 😅
Bakwas
And what if I am traveling aur accident ho jaye tho
Many people in Rajasthan State are not spending money on Health Insurance because FREE hospitality and medical FACILITIES available here by Congress GOVT.🤟
Government hospital free to hoga hi bsdk, private hospital mai ek din ka 30000 hota hai kharcha
Such really ☺️🙏🏻 charanjivi schemes like that in RJ
Can you go to any big private Hospital ?
Than why they all are visit border areas of Gujarat state for health facilities in modasa and himatnagar??
Please make a video of Niva Bupa Aspire Health Insurance Plan....
Just save few bucks you can’t risk your family and finances better go with what you understand and covered your requirements with best healthcare plans with past performance. Cost doesn’t matter ❤
Why pay extra for the same benefit
There are some people who can barely afford health insurance why don't give them more value for their money
@PGHR KAHA SE GE TU
Some points are not correct. You should always go for higher base sum assured amount. If you undergo a surgery or a condition wherein you claim a good amount of money, insurance companies won't let you increase your cover afterwards. As a result, inflation would increase with time but your cover amount would remain the same . Ultimately, in the long run you can potentially end up paying a lot from your pocket.
I have purchased group insurance policy for health insurance, it was provided by leading home loan aggregator, where I am paying 25k annually for 3 member family with cover of 20 lacs, it is a good buy, please respond.
No sir it's not Good buy. group insurance is limitations and many cons.
very well explained
Please make video how to buy health insurance if we already have insurance from job company
Always buy a health insurance even if ur employer is giving u insurance bcoz it is group policy plus when u change ur company ur insurer will also be changed .so it is better to buy a personal health insurance policy . It is just like normal policy buying .i will help u if u want to buy policy .if u buy from me or from other source just buy policy from Tata & HDFC only.
Prasad ji.
i m from Rajasthan.
and Rajasthan me 2011 se govt free health services free medicines free diagnosis de rhi h.
yaha health insurance ka craze kafi km hai.
Ab sarkar badlegi.. aab nahi milega...😂
There should be a strict regulatory agency like SEBI over these health insurance companies, first of all they don't make medical checkup mandatory and then reject claim by lame excuses that you did not disclose this or that?
I am damn sure here Top Sandeep "maheshwari" and Super Vivek "Bindra"
सीधा मतलब है इंश्योरेंस लो ना को काटना तो पब्लिक का ही है। 😢
Sahi hai
Co-pay aur ache se explain kariye, common logo ko samaj nai aata. Add kariye ki over weight and under weight logo ko extra premium, smokers ko premium load lagta hai and many things…
Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot
Thanks bro for valuable teaching,I wish to know do we need to take super top up every year or some year can we skip and once again take it??as base cover we have pay mandatory
Restoration concept apne galat bataya.... Agar 5 lakh ke policy me 3 lakh 1st time use use to agli bar phir se rifil hoke 5 lakh ho jayegi
Hi sir need ur advice, i am having max bupa 1cr ( 10 lac base and 90 lac super top up) health insurance, purchased 2 yrs back, now should I decrease base to 5 lac as per ur video or keep it 10 lac only, what is the significant importance of base?
Top up main defined limit kya hai
#StopVivekBindra par video banaiye MLM ke structure me students and housewife ka paisha loot liya hai Vivek bindra ne
" Day Care Treatment,
Night ka kya ? "
~ Sun Tzu
#stopvivekbindra
To me as a common man, I feel cheated and therefore feel distracted from buying health insurance. I feel that the health insurance and health care industry both appear to be hand in glove on the entire process.
To be honest, so much complication of If and But applied by the entire Health Insurance sector, distracts general crowd on subscribing to the health insurance.
Besides this, waiting period etc are another distractors.
Why cant the sector come up with something really simple?
They won't as this is how the business works... And this is how this medical industry is getting rich day by day.
#stopvivekvindra
This is the video I had been waiting for, for the past 2 years.
Though Prasad has covered fewer points than say, LLA, but he has done it in the way no one, not even LLA has been able to cover.
Really really appreciable. ❤❤❤❤😊🎉
Very simple.
Cleanly laid out.
Very useful.
Also Restoration benifit will not work on the same disease .. For example I have been hospitalized due X Disease and utilized full sum assured.. then in same year if again hospitalized due to X disease .. Restoration will not work.. it will work on other disease for example y disease.. it shouldn't be relatable to the X disease.. then only Restoration benefit will work.. and yes as you said if a single rupee is remained in the sum assured.. Restoration will not be able to get active..
Matlab ek naya policy fir lena padega kya
Why no one talking about the problem i mean why that treatments are sky high expensives 🤔 in market language dont you think treatment are overpriced
Bsc , it's help to save us , means our life 🧬 that's why
One of the best video on this topic.... Huge respect to prashant ...
Why is operation fee different for different rooms when the treatment is same?
Why Pao Bhaji and Pani Puri Price are different in Restaurants from street vendors?? When basic raw materials are same
Very good information, Prasad. Have a query. As compared with few years before, the premium is now tripled at least by most insurance companies. Any chance of premium amount getting significantly reduced in near future?
I don't think so. It will keep increasing as medical bills are touching new heights every year
@@namaskarprasad I sadly expected this reply.🙄
Try to buy some liquid assets like gold, accumulate gold slowly around 5 lakhs, then 10 lakhs easy liquidity may help you anytime and after you have it for 6-7 lakhs, you may ignore paying insurance premium...this is the only hedge that I can understand as of now...any other ideas please suggest.
@@Vijayraj-nn6ct good one brother ❤️ I never think about it .
Sandeep vs Vivek 😂😂 if you know then like 😂
Sir.. aaj kal ozone coin hamare shaher me log khub zameen bech kar invest kar rahe hain pls ek video banay ye log saal me paise double ka wada karte hai
Better to keep control on hospitals by government
What if I change the police company will I need to serve the waiting period again ??
No . Waiting period again in case port in another company
Super top up alag kyu hai base se? Jab base jaisa hi kaam karta hai?
Right
Are you scared of your death.... Yes...... Not good....... Can you stop your death ..... No..... then why to worry about insurances....
Very very very very great and clear explaination sir....Thank you so much🙏🙏🙏🙏💐💐💐💐💐
No. Sandeep maheshwari and Vivek bindra harmed in this video 😂
I am covered under chhs by government . My father & mother are also covered. Can i buy a health insurance for my sister.
Staying healthy is fat better than buying medical insurance.
Jab bimar padoge tab samajh Aayega.. Bimari road par le aati hai bhai
Super top-up ke disadvantage kya hai? And should we always opt for no room rent policies?
top up are not portable, room limit will be there... and many clause
Superb video. Thanku for this prasad ❤
Honestly prasad great video than LLA in less time
In Dubai OPD, normal doctor's consultation, medicine etc are covered by Insurance companies, why are companies in India not covering medicines and doctors opd consultation?
Opd policy different
OPD diseases coming any time with higher treatment bill . So OPD cover is optional in India
Nice information
Tisra way to polcy claim reject he hota hai aur koi way nhai hot hia
Life insurance kitna le for example agar 10 lakh income saal ka to main life insurance kitna lu thank for health insurance details
10 guna jyada aap mere se le sakate ho
Very informative video 👌👌👌
good information..butttt people should take advice to Insurance Partners...for taking policy. not go online to buy and try to become doctor....
Yes
You haven't talked about moratorium period and portability, benefits transfer, maybe you can include it in another video
Bhai health insurance konsi company ka le jo kam premium pe ho and jyada benefit ho
Tata Aig le lo mere se sir sab help karunga mai
हेल्थ इंश्योरेंस मे भी एमएनपी होना चाहिए जिओ की सिम बदलकर एयरटेल में जाने के लिए😂
Yes porting is available now
What if company discontinues super top up features after 10 years, we shall be left with very low bqse coverage
Mediclaim aur Health Insurance main koi farak hota h?
No . Same
Bhai koi unemployment ka insurance hai tho bolo. Many people will die if they dont have food. They cannot afford food insurance kaha say layengay.
Yes , 😢
Wht bout porting after completing 8 yrs of morotorium period? Will we get morotorium continuity benefit?
I think one should. Since this Moratorium period of 8 years was set by IRDAI. Now only IRDAI can clarify this more.
Perfectly explained ❤
Great work Prasad 🙏🏻🔥
Thank you Prasad
Thank you sir 😊
Excellent explanation.
In 2024 with most companies having rebound of base cover, top vs super topup is slowly becoming irrelevant.
Regarding rebound of cover, lookout for policies that immediately refill on partial usage.
Sab health company bewakuf banate hai...Room limit me others experience bhi hote hai.jaisa k dr fees ... Policy Bazar big Fraud.
All these prices are raised by corporate hospitals and there is nexus between corporate hospitals and insurance companies. Both of them get benefit from each other only the person who don't get benefit is common man.
Politians
Government is not at all interested in improving middle class life. All these rules are majorly for middle class who pays for their insurance. Why not simplify the insurance process like having a max limit and after that everything borne by these insurance companies. Better just make our direct tax 0 and we can take care of these expenses.
Top Sandeep..... Super Vivek😂😂
सर मेरी मा का एज फिफ्टी फोर हे उनको डायबेटीस है बीपी है और उनके स्पाईन मे गॅप है तो इनके लिए कोनसा हेल्थ इन्शुरन्स सही होगा और जैसे आप कहते है अगर मैने पाच लाख का इन्शुरन्स लिया और सुपर टॉप लिया तो क्या फायदेमंद रहेगा एज ज्यादा होने के कारण प्रीमियम बहुत ज्यादा दिखा रहे है मै क्या करू कृपया कर जानकारी दे
8:54 You said we have 5 lac base cover and 5 lac super top-up. Then, 1 lac base is remaining. Won't insurance company pay from super top-up in this case?
9:34 Restoration aur sub limit se confuse nahi hona hai. I think that's a mistake. We were taking about restoration and super top-up.
I have the same query.
But what about fraud of company. I have faced fraud from star who rejected claim on ground of disease which never happened. This can happen to you also. Never believe a company especially star health.
Sorry, you are doing the same thing. You are collecting money for training but after getting it, no communication from your team, even not giving the reply also. I don't know, how you guys are playing with the belief of others like me.
You just can't know these terms on your own...even policybazaar people don't tell you these things..don't know why...thank for the video
बेस अमाउंट कम होने से रूमरेंट,और हॉस्पिटल के अन्य चार्ज पर केपिंग आ जाता है,Top up से इस पर कोई फर्क नहीं पड़ता, बेस अमाउंट के हिसाब से ही रूम कैसा ले सकते हो ये कैकुलेट होता है
Kul milakar baat yah hai ki yah sab itni badi badi terms/marketing strategy use karke companiyan khud Paisa Kamane ke liye baithi hai, hamara bhala karne ke liye nahin .
Sandeep and vivek😂😂
Bhai isne bht sari information glt btai h but most importantly for the love of god plsss high sum assured vala plan select kre hamesha do not relay on topup/super topup plans coz 10 saal bd jb apko sahi m insurance ki jrurat hogi and tbtk company ne ye features dene bnd kr diye honge to 5 lakh se krvate rehna apka ilaaj. Plus agar apne dekha hoga to 5 lakh ka plan 7k ka tha and 1cr ka plan 17k ka so jayada difference hota nahi h..
Muje bhi ek achi life insurance policy ki jarurat samj nahi ata kitna lu jo inflation chal raha 30 40 saal baad life insurance policy fyda degi family ko nahi
Sir Aegon term life insurance students ke liye sahi h ??
I would like to work with