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.🤩
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 ❤
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
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?
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
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.
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 ❤
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.
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 .
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.
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
Hello Prasad.. I have two questions..if u could answer.... I get my transfers frequently...and most of the insurance companies ask for the city...Which insuranc should I prefer.? 2. When I was looking up on policybazar insaw period 1years to 3 years ...what happens after 3 years ...is health insurance cover is for short term only and is it unlike term life insurance which covers at least 20 to 40 years?
Restoration m full or partial exhaustion restoration ka option bhi hota hai jab aap ka 5 lakh ka sum insured hai 1st claim 3 lakh 2nd claim. 5 lakh hai to , Restoration k vjay se 5 lakh bhi claim ho skte hai agar partial exhaustion hai to policy m
I have seen that many well-known companies closing their scheme after 3 to 5 year and customer has to go for another new policy which increases overall premiums.. Can you guide for same to get rid off that type of problem? Nice information....
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.
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
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 .
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?
Nice information, as you know Top Up & Super Top has introduced by insurance companies few years back so what’s the guarantee insurance companies will continue with this option forever. After knowing that one can choose super top with less basic plan. Second I was told once by an insurance company that I can take supertop only once I take Top Up first. Please let me know regarding the same. Thanks
Many people in Rajasthan State are not spending money on Health Insurance because FREE hospitality and medical FACILITIES available here by Congress GOVT.🤟
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?
sir product modification ke under vo kabhi bhi topup and supertop hata sakthe hai but agar aapne basecover liyia hai tho usko company modify nhi kar sakthe yeh meri understanding hai agar galat hai tho please clear me
Our insurance cover amount is an indispensable part of health insurance. If I have 10L of cover, any modern treatment will come under this 10 Lakh. Some insurance companies do not consider modern treatment or some other treatment as a top-up. Despite taking this top-up, we can avail the benefit of restoration as per the insurance company. kindly check the cooling period before buying.
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.
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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...
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😅
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 ❤
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
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?
Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot
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
You're doing a commendable service. 😊
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.
One of the best video on this topic.... Huge respect to prashant ...
Genuinely no one tell not to buy High sum insured you are giving very genuine advice
Sandeep and Vivek Notice krne Wale log like kre 😂😂
Bhai har jagah yhi chal rha h jha bhi dekho...🙆♂️🙆♂️
Hahahaha
Bada Vivek 😂
#stop vivekbindra
😂
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 😋😋
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
bhai aap pura policy waalo ka poll kholdia great its very useful information
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.
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.
GST khtm krne ke liye protest Krna chahiye
Very very very very great and clear explaination sir....Thank you so much🙏🙏🙏🙏💐💐💐💐💐
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 .
Now you show the video right way. Awareness and learning.
Thanks
Thank you, Ranjeet
Loved your explaining way ❤
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.
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
Perfectly explained ❤
Great work Prasad 🙏🏻🔥
Ultimate guidance sir.
Hats off
Hello Prasad..
I have two questions..if u could answer....
I get my transfers frequently...and most of the insurance companies ask for the city...Which insuranc should I prefer.?
2. When I was looking up on policybazar insaw period 1years to 3 years ...what happens after 3 years ...is health insurance cover is for short term only and is it unlike term life insurance which covers at least 20 to 40 years?
Restoration m full or partial exhaustion restoration ka option bhi hota hai jab aap ka 5 lakh ka sum insured hai
1st claim 3 lakh
2nd claim. 5 lakh hai to ,
Restoration k vjay se 5 lakh bhi claim ho skte hai agar partial exhaustion hai to policy m
Thankyou for making this video. It has really helped me in buying right insurance.
Extremely valuable information on health insurance.
I like this..Kudos to Prasad🎉
Sir delivery cases kaun se insurance me include hai please bataye
So informative. You earned a new subscriber with your wit and knowledge
Very Informative. Thank You 👍
Good clarity in your video
simple way of explaning minded insurace componey ,
very good knowlage ..
Desh ka health system esha hona chahiye Bharat ke logo ka Insurance ki jarurat hi nahi pade....
Very Informative.. Thanks for this video 👍
I have seen that many well-known companies closing their scheme after 3 to 5 year and customer has to go for another new policy which increases overall premiums..
Can you guide for same to get rid off that type of problem?
Nice information....
Correct
top up/ super top up work after deductibles. In second claim of 3 lakhs. We need to pay whatever deductibles we took which is mostly the SI.
ACHHA TOPIC PR AAP VIDEO BNATE HO BHAIYA THANKS
Really informative video. Thanks for your efforts.
Better to keep control on hospitals by government
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...😂
Restoration benifit also work on partial exhaustion
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
So good!! Please continue the series.
धीरे धीरे फैन हो रहा हूं 👍👍👍
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
Guru ye sahi tha 😜 Top Sandeep aur Super Vivek
Very good explanation
Thank you so much for clarifying all of these.
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 .
Nice explanation of various key terms involved in health insurance
Insurance company: "Day care treatment"
Prasad: Night ka kya?
😂
😂
Please suggest which company is good to take
What about terms like restore back up and cumulative bonus
I am damn sure here Top Sandeep "maheshwari" and Super Vivek "Bindra"
Please guide about star women health secure policy
Please make a video of Niva Bupa Aspire Health Insurance Plan....
good information..butttt people should take advice to Insurance Partners...for taking policy. not go online to buy and try to become doctor....
Yes
Nicely explained, appreciate your efforts👍
You haven't talked about moratorium period and portability, benefits transfer, maybe you can include it in another video
Amazingly explained. Thank you.
very well explained
Thank you for making such a wonderful video.
@namaskarprasad. - Thanks for the video. Is super Topup amount tax exempted?
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?
Very informative and useful content bro . Thanks for sharing
Waiting for the IREDA video🙏🏻
Rally
Very informative..thanks a lot
You forget to mention one point
Room rent capping is directly attached with all other expenses done in hospital.
Exactly
Amazing work as always you rock Prasad !!!
Kya auto restore option lena jaruri hai ya base cover plus super topup cover only?pl suggest
Make a video - Acko Health Insurance with others?
Thanks for vital information.
Nice information for health/i thanku sir
Really nice information !! Thank you... 🎉
Excellent explanation ❤
Nice information, as you know Top Up & Super Top has introduced by insurance companies few years back so what’s the guarantee insurance companies will continue with this option forever. After knowing that one can choose super top with less basic plan. Second I was told once by an insurance company that I can take supertop only once I take Top Up first. Please let me know regarding the same.
Thanks
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??
Government hospitals are a shithole in rajasthan. I too live there.
Sir super top-up mein deductible bhi hota hai jo hum apne base plan ae pay kar sakte hai ya na nahi
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.
What does a person with epilepsy do for better future financial planning? There is no insurance coverage in India for it.
sir product modification ke under vo kabhi bhi topup and supertop hata sakthe hai but agar aapne basecover liyia hai tho usko company modify nhi kar sakthe yeh meri understanding hai
agar galat hai tho please clear me
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
काय प्रसाद दादा , संदीप vs वीवेक अ आ,😊
😂😂
Sir Aap suggest kon sa karoge insurance My age is 36 yrs and i want to take family insurance
Our insurance cover amount is an indispensable part of health insurance. If I have 10L of cover, any modern treatment will come under this 10 Lakh. Some insurance companies do not consider modern treatment or some other treatment as a top-up.
Despite taking this top-up, we can avail the benefit of restoration as per the insurance company. kindly check the cooling period before buying.
Base base hota hai..
Base hi lena chahiye..
Super top ki terms and conditions har company main alg hoti hai
Very informative video 👌👌👌
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
What if company discontinues super top up features after 10 years, we shall be left with very low bqse coverage
Good knowledge sir ji
Refil har sal hota hai.. वैसे vdo bahut अच्छी है
@namaskarprasad. I usually watch all your videos, I like it. Keep up the good work.
Healthcare in the USA is worst thank god we live in india
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
Room rent limit agr 5k hai or jis room me ruke ho uska expense 6k hai to vo overall bill ka 80% hi degi company naaki sirf room ka