You can but policy from anywhere and get treatment from anywhere in india. However such treatment if taken frequency away from residential city may invite insurance company audit and more scrutiny of claims.
Sir...mai canfusion me hu kee star health insurance ka kon sa plan lu .....iske bahot sare plan h toh kya aap suggest kr skte ho kon sa plan thik hoga.....34 years age n 2adult 1 child
Good comparison Brother, Actually I do not want to listen videos which is in Hindi. But first time I listened full video. If it is possible make this video in English also Thank you
as per my research only 2 major drawbacks in star comprehensive compared with other companies policy. 1. Restore instead of Recharge which makes it almost useless feature as the restore benefit will only trigger once an year after exhausting complete sum insured not partially which means if your 2nd claim is more than the remaining balance of sum insured + NCB you have to pay from your pocket. 2. Sub limits on modern treatments which are way costlier than these defined sub limits makes it less useful feature at least they should have allowed till sum insured like other companies do. They should provide these benefits with additional premium or give these options as additional riders with some extra amount.
Good points. But almost all health insurance policies that are covering modern treatment have sublimits for these procedures. The reason being to limit the liability of insurance company. Otherwise one will always opt for modern treatment methods even where traditional methods can be used.
@@gameofinsurance care insurance doesn't have any sub limits and also they provide recharge benefits and unlimited recharge benifits depending upon plans. Only drawback with care insurance is they cover 540 day care procedures rather than all. Even hdfc ergo doesn't have any sublimits for modern treatment.
@@soodvikram84 please share me any HDFC policy copy link where it is clearly written they are covering modern treatment. I did not find any. Care insuejsce policies I am yet to read.
@@soodvikram84 problem with hdfc ergo is they are not writing the modern treatment cover in policy document even if they are covering. I did not find in hdfc secure and restore. Now if they are covering it even without mentioning it then they are very generous. However it is not expected in insurance.
If you want coverage for diabetes and hypertension after an year then star comprehensive is best. If you can wait for these pre existing illness then there are other choices too. You can opt for govt companies health insurance covers. Which are new India, united, oriental and national. In pvt. Star hdfc care are good choices
I have a health insurance family flotal policy of balic for 5 years. Can I port to star health comprehensive flotal policy for 5 lakh. I am 58,my wife 51 and son 21. What will be premium now. If I take super top-up of 5 lakh then what will be premium.
Sure. Though I have already made a video on top up health insurance but that is a bit complicated. You can watch that in my playlist. Will make another one that will be simple. Thanks for stopping by and much needed appreciation for the hard work. 😄
I have family floter gold plan from Oriental insurance but I want to Port star health family optima what should I do sir please guide my policy 8years old
Good bit of comparison. You should have mentioned about the App that Star Health provides for its subscribers. Could you tell me how to / whether allowed to shift from Optima to Comprehensive Plan ? I am running Optima for 10 years (10 Lakh Coverage) now and I am now 53, with 2A + 2C. Look forward to hearing.
Hi, Just double check on the co-payment you mentioned. Policy document says co-payment is applicable only if person above 60age at the time of taking policy for fist time. If he moves to 61 and above on renewals, he may not have to bear co-payment. please double check and confirm
You are correct sir. Copayment is applied only if you purchase fresh policy at 61 or above age. If you enter that age due to renewals then this copayment clause is not applicable.
Mene family health optima (3 lakh sum insured) plan 3 year's pahele liya tha and abhi tak koyi claim nahi kiya he abhi muje compherensive plan (5 Lakh ) plan me convert karna he possible he. Mere purane plan me jo bonus and 24 month waiting period Disease new plan me coverage hoge ??
Simply ask star health. They will guide you. Waiting period is over for you. Because you are already in 3rd yr of policy. This will not apply even if you migrate to comprehensive plan. Bonus I can’t comment. This can only be confirmed by star health. Contact their customer care.
Sir mujhe health insurance suggest kare... I am 31 years old. 2 saal pahle mujhe pet me dard ho raha tha tab sonography kari fir usme apendix 16 inch ka and gall bladder 9 inch ka detect hua tha... Woh operation nahi kia dr bola jaruri nahi hyper acidity ki wajah se pain tha.. fir uske baad kabhi pain nahi hua... Operations nahi kia... Abhi bhi koi mujhe taklif nahi hai... Please bataye konsa lu... Thank you in advance Max reassure vs star gold yuoung konsa sahi rahega
Restoration se related ye sawal hain : Star Family Health plan main agar mere SI 10 Lakhs ka hain, aur 5 Lakhs hospitalization ka claim success hogaya hain, to bache 5 lakhs, same illness ke liye consider kiye jaenge ya nahi ? Is case main mere SI exaust nahi hua hain, to same illness cover hoga ya nahi
Why not. ? Aapka sum insured jab 10 lakh hai to vo app full utilise kar sakte hain bus is disease se related koi capping na ho to. You can check the policy document for capping.
Hello, Good work sir, my parents age is 61 above. Which policy must I choose? The difference between the premium is high. Or should I go with some other policy. Please reply.
At this age buying any health insurance will be very costly. Comprehensive and family health optima not good option because maternity cover new born cover etc are factored in premium of theee polices which are not required in old age. Go for senior citizen health insurance policy
@@gameofinsurance Thanks sir for your reply. As you suggest I should go with red carpet policy for parents insteadofhealth optima. Which company better for claim settlement star or max.
Hello dear, kindly advice i had family health optima insurance 3 lakh with 75000 thousand benefits i want to change FHO to comprehensive policy please provide your suggestion.
If you are above 55 age don’t change. Because premium of comprehensive policy is very high after age of 55-60. If we compare overall premium. If you are in 30s 40s you can think.
Too good, well explained
froad
It's a very informative, detailed and easy to understand video. I wish, I have seen it before. Thanks for your unbiased opinion and comparison.
Good experience recently gone for hernia surgery company settled all the expenses 1.5 lacs
Good to know. Thanks for your inputs
Very well explained
I have start health optima policy want to port to comprehensive plan. Can I do it
Bro port to star premier plan. That is even. Better than comprehensive. I have to make a video but due to lack of time couldn’t make.
Best comparison video I have seen.. Great work with good slide
Like the simple way u opted to elaborate things. Thanks
Keep posting videos. 👍
Thanks for the much needed motivation
Critical examination of both the polices.
Thank you sir
Hi, thanks you can follow me on Twitter and ask any question related to health insurance.
My Twitter handle is @gameofinsurance
Very good explain brother
Please mention the age slabs when premiums get changed for different insurance?
9:23 Be aware before you buy. Because 10% or 20% is too high for higher claims.
Detailed Explantion ..Good Work !
nice comparison my dear frnd…👍🏻
You put a great effort to explain 🙏🙏
Is there any limit on cataract surgery with basic sum insured 5lakh?
Wrong information co pay doesn’t apply during renewal if entry before age 61 in comprehensive policy
If person does policy in cat c city can he take treatment in cat a city whether he has to pay anything
You can but policy from anywhere and get treatment from anywhere in india. However such treatment if taken frequency away from residential city may invite insurance company audit and more scrutiny of claims.
Sir mara hip replacement hoya hai to may policy eligible ho?
Does family health optima cover total knee replacement? Is there some cap on it?
Yes. No cap in policy.
Nice video, mujhe 5 lakh tak ka health insurance chahiye kis company ka lu indore me jo chhoti moti or bdi bimariya cover krta h
Private companies se lena h to
Star health
Icici Lombard
HDFC ergo
Acche hain
Psu/ govt companies me
Oriental insurance
New india
Achi service hai
Great work brother. Very informative. Thanks for your efforts.
Thanks bro
Which is the best insurance policy star health comphrensive policy or tata aig medicare premier.
I did not compare both. Have to read document then only I can tell.
Well explained. Thank you 😊
Well explained but there's a correction "If policy is purchased after the age of 60 only then copay will be applicable otherwise not."
Yes I have mention in comments. As the video can’t be edited now.
Well explained..thank you
Very good Explainer . Great Job 👍
Very nice explanation bro
Very good information. Thank you sir
Thank you very much
Day care kya kya cover hoga
Yes
Which is best for middle class family???
Plz tell
Among These two- star comprehensive
Very helpful!Thank You
Stupendous work, keep it up.
Very much Thanks for detail good information
Thank you 🙏🏻
Sir...mai canfusion me hu kee star health insurance ka kon sa plan lu .....iske bahot sare plan h toh kya aap suggest kr skte ho kon sa plan thik hoga.....34 years age n 2adult 1 child
Coverage k hisab se star comprehensive best h. Among all plans. Premium ek bar compare kar Lena policy bazar me dal k
Care plus & Hdfc ergo secure comparison video banaiye
Sure. Thanks for watching video
Ek point aap ne bataya agr optima policy me age limit
Agar child 25 se upper hai to bahar karr diya jayega
That is standard in every policy. Video becomes too long if I include all these points. Focus was on key points. Thanks for watching.
Excellent work sirji 👍
Thanks bro 🙏🏻
Very well explain, keep educating 👍
Star health comprehensive plam mai same year same illness same person ke liye kitni baar claim kar sakta hai
Aisi koi limit nai h. Up to sum insured aap le sakte hain
Good comparison Brother,
Actually I do not want to listen videos which is in Hindi. But first time I listened full video.
If it is possible make this video in English also
Thank you
Yes. I will try to make in English or with English subtitles. Thanks you for your time.
as per my research only 2 major drawbacks in star comprehensive compared with other companies policy.
1. Restore instead of Recharge which makes it almost useless feature as the restore benefit will only trigger once an year after exhausting complete sum insured not partially which means if your 2nd claim is more than the remaining balance of sum insured + NCB you have to pay from your pocket.
2. Sub limits on modern treatments which are way costlier than these defined sub limits makes it less useful feature at least they should have allowed till sum insured like other companies do.
They should provide these benefits with additional premium or give these options as additional riders with some extra amount.
Good points. But almost all health insurance policies that are covering modern treatment have sublimits for these procedures. The reason being to limit the liability of insurance company. Otherwise one will always opt for modern treatment methods even where traditional methods can be used.
@@gameofinsurance care insurance doesn't have any sub limits and also they provide recharge benefits and unlimited recharge benifits depending upon plans. Only drawback with care insurance is they cover 540 day care procedures rather than all.
Even hdfc ergo doesn't have any sublimits for modern treatment.
@@soodvikram84 please share me any HDFC policy copy link where it is clearly written they are covering modern treatment. I did not find any. Care insuejsce policies I am yet to read.
@@soodvikram84 problem with hdfc ergo is they are not writing the modern treatment cover in policy document even if they are covering. I did not find in hdfc secure and restore. Now if they are covering it even without mentioning it then they are very generous. However it is not expected in insurance.
@@gameofinsurance call them and confirm however care plus plan has everything that you may need.
Sar ji kya mein family health optima ko compressive mein Badal sakta hun.
Yes you can. Talk to customer care of star health
Comprehensive me agar No Zoning hai to Zone 1 ya Zone 2 me treatment karane par copay karna padega kya?
Copay is not related to zoning.
In family health comprehensive plan diabetes cover or waiting period
Covered with waiting period
Sir ek video max bupa reassure par bhi bana dijiye kya is policy ko lena hai ya nahi
Bro I can’t comment on that. I can tell what is good and bad in a policy. Will do that soon.
If policy taken before completing 60 then also copay applies on renewal when age crosses 60?
No. That’s mistake on my part.
Sir my father age -53 having diabetes & hypertension which policy will be better for him.
If you want coverage for diabetes and hypertension after an year then star comprehensive is best. If you can wait for these pre existing illness then there are other choices too.
You can opt for govt companies health insurance covers. Which are new India, united, oriental and national.
In pvt. Star hdfc care are good choices
Your explanation has resolved my doubt, thank you Bro 👍
Very informative
Watch latest video on the same
Star Comprehensive Health Insurance Vs Star Health Family Health Optima
ruclips.net/video/wsd31M9_SqI/видео.html
Dear sir.
Above 60 years hone par hi copay karna hai ya kisi v age me copay karna padega?
100% cashless hota hai ya nahi? Comprehensive me.
Above 60 yadi aap policy lete hain to hi katega.
Yadi renewal karte karte 60 se upar age ho jati h to nai katega
Well explained. How can we migrate from FHO to comprehensive.
Contact customer care of star health they will guide you. Thanks 🙏🏼
In comprehensive plan can we add dibeties toup for 12 month waiting period
A top policing can be purchased irrespective of any health insurance policy you are having.
Excellent sir
The best explan respected
Thanks 🙏🏼
u r gr8 in ur explanation.
Thanks 🙏🏼
I have a health insurance family flotal policy of balic for 5 years. Can I port to star health comprehensive flotal policy for 5 lakh. I am 58,my wife 51 and son 21. What will be premium now. If I take super top-up of 5 lakh then what will be premium.
As per my understanding it is difficult. Because at this age health insurance companies generally avoid giving policy.
Very nice explain ation sir, please take up top up policy and explain to us.
Sure. Though I have already made a video on top up health insurance but that is a bit complicated. You can watch that in my playlist. Will make another one that will be simple. Thanks for stopping by and much needed appreciation for the hard work. 😄
You have explained nicely bro
Thanks bro.
Good information both
I have family floter gold plan from Oriental insurance but I want to Port star health family optima what should I do sir please guide my policy 8years old
Sir at-least 2 months before renewal date approach any star health office, they will port it.
Cain I move from star optima to comprehensive policy
Yes you can port your policy. Call customer care
Good analysis 👍
सर पॉलिसी लेने के बाद कितने दिन बाद हार्टअटैक कबर होता है
Kindly describe about HDFC ergo restoration plan
Sure. Next video I will make on this
If you liked the video please subscribe our channel and like the video.
Good bit of comparison. You should have mentioned about the App that Star Health provides for its subscribers. Could you tell me how to / whether allowed to shift from Optima to Comprehensive Plan ? I am running Optima for 10 years (10 Lakh Coverage) now and I am now 53, with 2A + 2C. Look forward to hearing.
You can migrate from family health to comprehensive policy. Talk to star health customer care.
Hi, Just double check on the co-payment you mentioned. Policy document says co-payment is applicable only if person above 60age at the time of taking policy for fist time. If he moves to 61 and above on renewals, he may not have to bear co-payment. please double check and confirm
Sure. I will check and revert. Thanks
You are correct sir. Copayment is applied only if you purchase fresh policy at 61 or above age. If you enter that age due to renewals then this copayment clause is not applicable.
Thankyou can you do a video comparing Navi HDFC ergo,and nivia bhupa so that instead of star we can go for the other ones if they are better,thank you
Thanks for liking the video. Will surely make a video. But as I am quite busy now a days. It may take some time.
Star health is worst...they are fraud go for HDFC ergo or niva bupa
Excellent
Can I shift my optima to comprehensive policy
In short yes. But I will not recommend at this age.
Nice and Very Helpful bhai
Thanks bro
Nice video thanks sir
Nicely explaned.
Hello, I'm 36 year old, I want to take insurance for myself, wife and 1 year old kid, which do you suggest young star or comprehensive...pls advice
Comprehensive
Mene family health optima (3 lakh sum insured) plan 3 year's pahele liya tha and abhi tak koyi claim nahi kiya he abhi muje compherensive plan (5 Lakh ) plan me convert karna he possible he.
Mere purane plan me jo bonus and 24 month waiting period Disease new plan me coverage hoge ??
Simply ask star health. They will guide you. Waiting period is over for you. Because you are already in 3rd yr of policy. This will not apply even if you migrate to comprehensive plan.
Bonus I can’t comment. This can only be confirmed by star health. Contact their customer care.
Restoration 300% in FHO or 100% in CI is not mentioned in policy wording, from where you are sharing this info?
Pleas check
www.starhealth.in/sites/default/files/brochure/Family-Health-Optima-Insurance-Plan-New.pdf
Restoration of sum insured 100% 3 times in FHO
Sir mujhe health insurance suggest kare...
I am 31 years old.
2 saal pahle mujhe pet me dard ho raha tha tab sonography kari fir usme apendix 16 inch ka and gall bladder 9 inch ka detect hua tha... Woh operation nahi kia dr bola jaruri nahi hyper acidity ki wajah se pain tha.. fir uske baad kabhi pain nahi hua... Operations nahi kia... Abhi bhi koi mujhe taklif nahi hai... Please bataye konsa lu... Thank you in advance
Max reassure vs star gold yuoung konsa sahi rahega
Bro i will make a detailed video on this.
@@gameofinsurance sure, thank you
Really good very useful
सर , अगर ये policy holder की डेथ हो जाती है. उस केस मे क्या होता है?
Yadi hospitalisation k bad death death hoti h to claim milta h. Jitna b expenses hue hai hospitalisation me sab milte hain.
Will consumables like glove, ppe kit etc will be covered under star conprhensive plan, or the insurer has to pay fron his own pocket 🤔
Not covered
Well explained 🤝
Sir Maine star health comprehensive policy li hai, meri age 36 hai, agar mai hospitalised hua to muje bhi 10 % co pay dena hoga kya???
Please reply
No. Aapko co pay kabhi nai dena
Restoration se related ye sawal hain : Star Family Health plan main agar mere SI 10 Lakhs ka hain, aur 5 Lakhs hospitalization ka claim success hogaya hain, to bache 5 lakhs, same illness ke liye consider kiye jaenge ya nahi ? Is case main mere SI exaust nahi hua hain, to same illness cover hoga ya nahi
Why not. ? Aapka sum insured jab 10 lakh hai to vo app full utilise kar sakte hain bus is disease se related koi capping na ho to. You can check the policy document for capping.
Hello, Good work sir, my parents age is 61 above. Which policy must I choose? The difference between the premium is high. Or should I go with some other policy. Please reply.
At this age buying any health insurance will be very costly.
Comprehensive and family health optima not good option because maternity cover new born cover etc are factored in premium of theee polices which are not required in old age. Go for senior citizen health insurance policy
@@gameofinsurance Thanks sir for your reply. As you suggest I should go with red carpet policy for parents insteadofhealth optima. Which company better for claim settlement star or max.
As My age is 36 should I go with star health or young star or max reassure
Is Infertility treatment covered in this insurance? If my wife is hospitalized for more than 24hrs
Yes you can watch complete video all details are given
After 3 year
Nicely explained
Comparhansive mein covid recovery hota hein ya nahi
Covid har health insurance policy me covered hai.
क्या मेडिक्लेम पालिसी hone par हॉस्पिटल महंगे बिल बनाते हैं ?
No
Exelent bro for a batter discus
🤝
Hello dear, kindly advice i had family health optima insurance 3 lakh with 75000 thousand benefits i want to change FHO to comprehensive policy please provide your suggestion.
If you are above 55 age don’t change. Because premium of comprehensive policy is very high after age of 55-60. If we compare overall premium. If you are in 30s 40s you can think.
Comprehensive vs Assure video pls
Sure
Please send me link to chek network hospital in patna
Best information
Very good
Hi, thanks you can follow me on Twitter and ask any question related to health insurance.
My Twitter handle is @gameofinsurance
Excellent information
Pls subscribe the channel if you haven’t. Thanks 🙏🏻
Comprehensive policy me restoration 10lakh tak ke baad badta nahi hai, and ek claim ke baad vapis se 500000 pe vaapis aajat hai
Good work ❤
Thanks
Good information sir
Thanks
Thanks. sir.
Thanks man...