Is HDFC Ergo Medisure Right For You? | Pros & Cons | Should you buy?

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  • Опубликовано: 10 сен 2024
  • To know more or find the best health insurance plan for yourself & loved ones, talk to our advisors at Ditto Insurance: bit.ly/3VAzZuN
    In this video, we will be discussing HDFC Ergo Medisure Super Top-up plan in detail- we will be discussing the pros & cons, features & premiums.
    Stay tuned. Like, share & subscribe.
    Happy Insurance Hunting!

Комментарии • 33

  • @koushiksarkar5701
    @koushiksarkar5701 5 месяцев назад +1

    I did port my policy from NAVI to HDFC ERGO optima secure yesterday by the assistance of you guys. The advisor helped and guided me so well. Hope to have a great experience. 😊

    • @dittoinsurance
      @dittoinsurance  5 месяцев назад +1

      Thank you. We will make sure you have a great experience going forward as well

    • @SD_003
      @SD_003 5 месяцев назад

      When you port does the PED waiting period restart for 3 years?

  • @harshjain6134
    @harshjain6134 5 месяцев назад +1

    With optima secure premiums comparatively so high it's best combination to take 5 lac base plan with super top of ergo. Since 5 lac base plan with instantly give 10 lac coverage from day 1.

  • @1-_-I
    @1-_-I 5 месяцев назад +1

    Just bought optima secure via you guys

  • @mohitgola
    @mohitgola 5 месяцев назад +3

    Would be better if going forward you can mention that the video is sponsored by the Insurer. An explainer/ information video is more detailed discussing pros and cons equally.

    • @dittoinsurance
      @dittoinsurance  5 месяцев назад

      Hey Mohit. These videos are not sponsored by the insurers. We do not get paid for these videos. However as stated in the disclaimer in the beginning of the video, we may partner with some of the insurance companies we cover on our youtube channel to service our clients online. But as a strict policy we do not let these partnerships influence our content.

  • @user-cg6hf2bn4m
    @user-cg6hf2bn4m Месяц назад

    Does hdfc ergo don't have an option of 10 lac deductable?for super top up?

  • @demogyani2419
    @demogyani2419 5 месяцев назад +2

    @ditto Is hospitalization due to HIV, HepB or HepC is covered ??

    • @demogyani2419
      @demogyani2419 5 месяцев назад

      People who are wondering for the same I spoke to couple of insurance companies like Care and Star. As per them If you already have HIV, Hep B and Hep C they won't issue insurance which is against IRDA guidelines.
      After purchasing health insurance you contacted Hep B or Hep C they will pay for the treatment.
      If you contacted HIV after purchasing the insurance even though related illnesses will not be covered by most of the health insurance companies. There are few exceptions like niva bupa etc which has AIDS related specific plan but premium is much higher.
      Still even in 2024 discrimination against HIV people still there. Think about the people who got HIV due to contaminated needles, syringes. New born baby who has HIV or Hepatits what's there fault? Government should step up now.

  • @chandrika2014
    @chandrika2014 5 месяцев назад

    Great video Ditto team. Can you please do a comparison video of all 3 mentioned Super Topups?

  • @akashdas1603
    @akashdas1603 5 месяцев назад

    Requested a video on super top and here it is❤ thank you guys. Would appreciate if you can also cover the other super topup plans as well.

    • @dittoinsurance
      @dittoinsurance  5 месяцев назад

      Will do. Thank you for watching :)

  • @ASub1982
    @ASub1982 10 дней назад

    Ma'am u r too good but 👇
    aapbat krte waqt ye : Akkad bakkad "Bambe bo" wala ishara Q krti Hain?.
    Bachpan se khelen ki aadat to nhi 😂😂😂🎉🎉🎉🎉

  • @randheer1373
    @randheer1373 5 месяцев назад

    We had an accidental claim amounting to ₹ 4 lakhs. HDFC kept on asking for same document again and again, Copy of FIR, bank account statement, eventually had to complain to IRDA for the claim. They didn't pay interest for delay

  • @harshjain6134
    @harshjain6134 5 месяцев назад

    This super top up has 5 lac as deductible but in optima secure plan if I take 5 lac base plan I get instant 2x cover that means it becomes a 10 lac policy from day 1. So how will this super top up policy work , ideally it's of no use for optima secure plan.

  • @SD_003
    @SD_003 5 месяцев назад

    I am in discussions with ditto about this plan and was informed supertopup might have room rent limit? 🤔

  • @demogyani2419
    @demogyani2419 5 месяцев назад +1

    These insurance brokers just read out what's written on companies website. Better go in depth.
    For a single hospitalization if you exceed 5 lac only than you can use this. If you had a second claim than 5 lac deductiable u have to pay from ur pocket unless base policy has unlimited recharges.

  • @user-jz6pq4zx3e
    @user-jz6pq4zx3e 3 месяца назад

    Guys can you do one on PED. I am confused. Let's say whilst I am taking insurance I am healthy and 10 years later I get sick and the doctor says I had PED then what happens? It is confusing to me.

    • @dittoinsurance
      @dittoinsurance  2 месяца назад

      Sure! We hear you :)
      Until then, if you have need any immediate clarifications, please don't hesitate to book a free-of-cost consultation call with our advisors, who will help you with your query
      bit.ly/3VAzZuN

  • @user-dj5bx8uh6q
    @user-dj5bx8uh6q 4 месяца назад

    Can you do a video on why i should avail Health Insurance though i have a corporate cover.

    • @dittoinsurance
      @dittoinsurance  2 месяца назад

      We hear you :) Video coming soon. Stay tuned!

  • @basiljoy868
    @basiljoy868 5 месяцев назад

    Hai, team ditto can you make a video on care advantage?
    Thank you.

  • @tarunn9469
    @tarunn9469 5 месяцев назад

    Accordingly trick is to buy base policy of 5 lacs and buy super topup of 20 lacs makes 25L available instead of buying costly base policy of 10 lacs

    • @dittoinsurance
      @dittoinsurance  5 месяцев назад

      You can either buy a base policy for 5 or 10 lakhs. Usually we recommend 10 lakhs because insurers these cover most treatments and the base cover usually come with very few restrictions

    • @harshjain6134
      @harshjain6134 5 месяцев назад

      ​@@dittoinsuranceBut the plan explained doesn't have any restriction except Domiciliary and ayush treatment.

    • @dittoinsurance
      @dittoinsurance  5 месяцев назад

      While insurance companies don't state this explicitly, they treat claims coming from super top up policies with greater vigilance. This is what we've observed. We see more deductions, more scrutiny and more back and forth. So the restrictions aren't on the policy front per se. But how insurers treat claims coming in from super top up policies. This could also be a function of the super low premiums they charge. We will make a video explaining this in the future.

  • @ramaraghu1206
    @ramaraghu1206 5 месяцев назад

    Do you guys have regional language support?

    • @dittoinsurance
      @dittoinsurance  5 месяцев назад

      Yes. If you can specify what language you prefer, we can try to find an advisor who speaks that language. Please write your requirements in the description box when booking a call with Ditto

  • @Chulbuli_Satya
    @Chulbuli_Satya 5 месяцев назад

    Hey Make a video on Tata Aig

    • @dittoinsurance
      @dittoinsurance  4 месяца назад

      Hey! Please check out our review of TATA AIG Medicare (3 variants)- ruclips.net/video/2FrkZ0s1Ru8/видео.htmlsi=OTjoKe2NLg8zTKzN