MAM YOUR INFORMATION IS VERY GOOD 👍 ICICI LOMBARD HEALTH INSURANCE CLAIM SETTLED WITHIN 45 MINUTES IN HOSPITAL. IF YOU ARE TAKE REIMBURSEMENT BY IL TAKECARE CLAIM SETTLED WITHIN 3-7 DAYS ONLY. THIS IS MY PERSONAL EXPERIENCE. VERY GOOD SERVICE , WITHOUT ANY PROBLEM. MUST BUY LOW PREMIUM. THANKS
Hi madam, in case the Insured Person is admitted in a room category that is higher than the one that is specified in the base policy(Single room AC) would there be Proportional deductions in payments towards other medical expenses like surgery, etc if i chose Room modifier add-on to "Any room"?
Kudos for nicely explaining the policy in detail. Well done!!. Though I have a doubt, since there is a sub-limit for room rent in this policy (upto single AC pvt room), in case if I choose room-rent modifier add-on and choose higher category rooms, will there still be any PD (proportionate deductions) on other charges? In other words, does adding room-rent modifier for high cost rooms equivalent to 'No room rent capping" in other policies ?
I am porting my Mother's HDFCERGO restore to ICICILOMARD elevate (Running from last five years, one surgery 2 years back). Would you recommend? In-between she developed BP which is not reflected in HDFCEGRGO. I want to inform that during porting to ICICI. Do I have to wait for 3 years before covering nay heart disease or I will be eligible for immediate cover since she has completed 5 years in previous policy?
Best way to give latest drs consultation letter to insurance Co. If anything comes during tenure, it will impact no harm. Though you consult your insurance adviser for better judgment.
Sir mere brother ki star health ki policy thi young star unhone usme uti ka claim lia tha but fir wo policy humne icici m port kra di aur mene icici agent ko bta diya tha uti hua tha but wo policy lene k bad hua tha but icici ne paper 📄 per kuch mention nahi kia kya hum uti ka claim icici say bubara le sakte unhein problem hui to
Is there an option to have "No Limits on Room Rent" ? I read as "Modifier" etc but it appears as a trap. Kindly clarify what is available and what is not - regarding Room Rent.
Hello jee, it depends on your medical conditions & requirements. For any queries we are available on WhatsApp/Call at 9650706699. Our team can assist you.
Does ICICI give their plans to diabetics if their diabetes was diagnosed before 35 years of patient's age ? I heard from someone they dont do. So could you please confirm. And how much do they charge the loading of diabetes?
Unlimited restore/refill benefit- works immediately on next hospitalization? Or there needs to a gap between the 2 hospitalization? If yes how many days? Any other such catches?
Nice explanation. Madam, in case the Insured Person is admitted in a room category that is higher than the one that is specified in the base policy(Single room AC) would there be Proportional deductions in payments towards other medical expenses like surgery, etc if i chose Room modifier add-on to "Any room"?
Ma'am jaise ki iss policy me ped ka waiting period 36 month hai agar mai ped disclose kar du to add on lekar 12 mahine ka waiting period mil sakta hai kya iss policy me?
Haan ji, "Jumpstart" addon makes PED waiting period just to 30 days, but this jumpstart covers only 5-6 diseases like asthama, diabetes, hypertension etc so please check that. If there is any specific disease other than these mentioned then there is a different addon for that.
Mam I have family floter mediclaim policy of new india insurance co.since last 15yrs but never took any claim. Now I want to port my policy in ICICI Lombard. Is right decision ?
Mam, I tried to buy this policy but it doesn't have 'Deductible' payment add-on. When called to ICICI Lombard customer care, they said it is not included now but will be in future and I can add that time. is it correct that I can add that raider in future renewals if availavle? Could you please.. advise?
"Any one Illness means continuous period of Illness and it includes a relapse within 45 days from the date of last consultation with the Hospital/Nursing Home where treatment may have been taken". I found this in both Elevate and Optima Secure, but not in aspire. Could you please explain what this clause means for the customer?
Mam, Thanks for the video. This sounds as a very good plan! Could you also make a comparison video of this with plan 'HDFC ERGO Optima secue' ? Thanks in advance!
I am having HDFC ERGO OPTIMA SECURE policy from 2 years, If i port from HDFC to ICICI elevate should i again wait for 36 months for PED? or only for 1 year?
Gurleen Ma'am , I have to buy a policy for my parents 64 and 63 age. They have PED bp , sugar and cholesterol from 2019. I was confused between Care Supreme and Aditya Birla activ one as both provide instant cover for these PEDs. Now ICICI elevate also looks very good. Please suggest which one to buy. Specially considering the CSR and Complaint volume.
It’ll trigger by marking a single claim and also infinite claim amount is there without any limitations it’s far better than Niva or any other insurer.
Hello Gurleen ma'am jaise ki iss policy me ped ka waiting period 36 month hai.agar PED disclose kar dete hain to add on lekar 12 mahine ka waiting period mil sakta hai kya iss policy me?
If recently taken claim for surgery in this year so we can portout with same condition because 2 company rejected like aditya birla said permanent exclude to the disease related to same surgery in future and niva bupa denied fully to person (Reason they given Chronic disease) so what to do as per your experience. We have to continue with existing policy because already 4 yrs completed there but SI only 5 lakh and bonus is 5 lakh but after claim they dlreduce 50% bonus. Thatswhy decided for portout
Brother same here, commenting from hospital bed, my care health insurance denied my cashless stating PED, it is a cervical disc operation, they denied it, now got the operation done from my office corporate insurance. Don't know whether this will get covered in future or not
Not possible at all you’ve to stick with the similar insurer for life long if there’s any insurance policy running otherwise there are some plans in market that’ll exclude the heart with some copay..
You can port to other health insurance company. For any queries, we are available on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.
@GurleenKaurTikku Madam insurance company should think on these lines as after 60 years, the person will retire , then how come he will be able to pay the premium if he doesn't have pension or some other source. In maximum case, one would require the health policy after 60 only
@@Rudranesh-c1h up to 2 lakh maternity limit in Reliance (need to pay 3years premium. Initally ), 50k, 1 lakh in Star woman based on Sum assured. Niva up to 75k based on Sum assured and Three years premium initially
Policy premium is driven by the sum insured I chose for. For example, 10lac SI i am paying premium of 15k and for 20lac SI i am paying 20k. If I can claim for infinite amount then why would someone go for higher premium with higher SI?
Trust m guys m personal experience h m mother admit thi hospital m aur iss company ne last moment pr claim reject kr dia Hume pta h humne hospital bill kaise pay kiya
@@AVNISH4646 Haa m mother ko blood ki kami ho gyi thi jisse unke pair swell ho gye the jb claim ki baari aayi toh jo inke employee Verification krne aaye toh unhone yeh objection diya ki patient ne verbally yeh accept kiya h unke bahut time se pair swell hi rehte h
Ab batao kisi bande ke pair bahut time se swell honge toh doctor ke pass nhi jaayega Aur humne saare proof diye ek ek slip di doctor ki aur blood test ki unpr bhi date mention hi thi aur phele se hota toh jab insurance li thi tab pta nhi chla
Hello Gurleen Kaur, My Family Health Insureance of 20L +5X was done by u & Team But after that, I have never got any supoort call or update .. Wish u great customer sucess stories ..
Pls do a video on Icici health shield 360 which icici has for its account holders. For 2cr cover for 2A2K the premium is as low as 23500 approx. It has all the important benfits as well. Only downside i have heard is that its not portable. Kindly advise.
Tikku ji have you ever faced any health issues and use those benefits health insurances any company. Please share your experiences Good or bad whatever
Room rent limit (twin sharing room) and 10% copayment for outside network hospital inbuilt karake company ne bahut badi galati ki hai...3 months before this conditions not applicable the
Check for Aditya Birla Active One Max or Icic lombard elevate. Please check with an official from the companies by visiting their offices. Don't trust any agent. Go and validate yourself from the company.
Whatever ICICI may do, but as a product presentation, this is one of your best!
Glad you think so!
MAM YOUR INFORMATION IS VERY GOOD 👍
ICICI LOMBARD HEALTH INSURANCE CLAIM SETTLED WITHIN 45 MINUTES IN HOSPITAL. IF YOU ARE TAKE REIMBURSEMENT BY IL TAKECARE CLAIM SETTLED WITHIN 3-7 DAYS ONLY. THIS IS MY PERSONAL EXPERIENCE. VERY GOOD SERVICE , WITHOUT ANY PROBLEM. MUST BUY LOW PREMIUM.
THANKS
Could you please suggest hdfc optima vs icici elevate with some add ons. Which one is best in terms of service benefit and claims
Hdfc is d best claim wise
Madam,
Is policy mai...day care procedure mai diagnosis, treatment & medicine etc claim ... Kar sakte hai...aur kaise.
I am working with icici Lombard from past 3 years and this plan has turned the table upside down .. wonderful plan with customisable add-ons.
Hi madam, in case the Insured Person is admitted in a room category that is higher than the one that is specified in the base policy(Single room AC) would there be Proportional deductions in payments towards other medical expenses like surgery, etc if i chose Room modifier add-on to "Any room"?
There’s option to modify the categories of rooms by an ad on but as a normal consumer single private room is enough.
@@serry4-786no
Kudos for nicely explaining the policy in detail. Well done!!. Though I have a doubt, since there is a sub-limit for room rent in this policy (upto single AC pvt room), in case if I choose room-rent modifier add-on and choose higher category rooms, will there still be any PD (proportionate deductions) on other charges? In other words, does adding room-rent modifier for high cost rooms equivalent to 'No room rent capping" in other policies ?
Premium increase 5 year ke block par hoga ya every year pls bataiyega 🙏
5 year block
Thank you for your explanation about elevate policy
I am porting my Mother's HDFCERGO restore to ICICILOMARD elevate (Running from last five years, one surgery 2 years back). Would you recommend? In-between she developed BP which is not reflected in HDFCEGRGO. I want to inform that during porting to ICICI. Do I have to wait for 3 years before covering nay heart disease or I will be eligible for immediate cover since she has completed 5 years in previous policy?
Best way to give latest drs consultation letter to insurance Co. If anything comes during tenure, it will impact no harm. Though you consult your insurance adviser for better judgment.
Policy features are good but they have only 150 listed daycare procedures, not covered all daycare procedures.I have confirmed with icici
Excellent video 👍👍👍 elevate
Glad you liked it, keep watching !
It is wonderful plan thank you ma'am.
Sir mere brother ki star health ki policy thi young star unhone usme uti ka claim lia tha but fir wo policy humne icici m port kra di aur mene icici agent ko bta diya tha uti hua tha but wo policy lene k bad hua tha but icici ne paper 📄 per kuch mention nahi kia kya hum uti ka claim icici say bubara le sakte unhein problem hui to
Superb today i have taken the policy
Mem
Pl. Give your opnion for port my floter policy from nivabupa to icici lombard elevate is a right deceision
All daycare covered??
Yes
Is there an option to have "No Limits on Room Rent" ? I read as "Modifier" etc but it appears as a trap. Kindly clarify what is available and what is not - regarding Room Rent.
My policy is running with Mahipal cigna from 59 months. May I port my policy with out waiting period. please inform
Yes you can
Manipal cigna me kya kya problem face kiya. Pls batayie
Maam, mene policy bazar se policy li and if I m not happy with policy bazar service then next year me same policy kaha se renew karau?
No, you have to port to any other policy.
@@GurleenKaurTikku Thankyou maam
Portability is continuity
Good evening ma'am
Plz suggest in between IcIcI elevats and HDFC Argo .
Hello jee, it depends on your medical conditions & requirements.
For any queries we are available on WhatsApp/Call at 9650706699.
Our team can assist you.
Nice information
Thanks a lot, keep watching !
Does ICICI give their plans to diabetics if their diabetes was diagnosed before 35 years of patient's age ? I heard from someone they dont do. So could you please confirm.
And how much do they charge the loading of diabetes?
They do
Yes we are giving
Very Nice explanation Madam 👌 👍
Thank you 🙂 Keep watching !
Infinite care is not available if policy port from another company
Unlimited restore/refill benefit- works immediately on next hospitalization? Or there needs to a gap between the 2 hospitalization? If yes how many days? Any other such catches?
45 days. You can use for same illness but after 45 days of last hospitalisation
which is better ICICI Lombard elevate or niva bupa reassure 2.0 titanium
Niva Bupa is good
Respected Ma'am
1st I tell u Thanks
2nd small doubt
Ayush & Physiotherapy , chiropractice both are covered in which insurance
Can u pls tell me
Maternity bhi claim kar sakte hai ??? Is insurance me
No extra charges are there
Excellent info. Keep sharing!!
Nice explanation. Madam, in case the Insured Person is admitted in a room category that is higher than the one that is specified in the base policy(Single room AC) would there be Proportional deductions in payments towards other medical expenses like surgery, etc if i chose Room modifier add-on to "Any room"?
Is there a discount for icici wealth management account?
Hi ma’am Does this policy cover cashless cover on appendix three months after the policy date.please give reply
Every policy cover appendix just after 30 days
please ask you editor to highlight the text while reading out the content from the screen
Sure, thanks for the feedback.
We will update.
Whether medical certificate needed after the age of 58 year.pl tell
Pls make a video on how unlimited Restore/Reset benefit works. I mean why should I take higher Sum-Assured if there is Restore/Reset benefit?
I missed this
Nice
Thanks a lot, keep watching & do subscribe so you don't miss our videos next time !
Ma'am jaise ki iss policy me ped ka waiting period 36 month hai agar mai ped disclose kar du to add on lekar 12 mahine ka waiting period mil sakta hai kya iss policy me?
31 days se cover ho jayega
PED waiting period 30 days ho jayega
Haan ji, "Jumpstart" addon makes PED waiting period just to 30 days, but this jumpstart covers only 5-6 diseases like asthama, diabetes, hypertension etc so please check that.
If there is any specific disease other than these mentioned then there is a different addon for that.
Waiting पिरियड PED ( 36months) और Specific Illness (24months ) हैं, तो इस
जैसे ऍड ऑन का चार्ज कितने साल तक के प्रीमियम में देणा होगा?
explained in full detail..
Hi
Mam ham dono senior citizens hai to aapke yaha hamare liye konsi policy aap sajest karenge.
Are the prices shown in the video inc. taxes?
Mam I have family floter mediclaim policy of new india insurance co.since last 15yrs but never took any claim. Now I want to port my policy in ICICI Lombard. Is right decision ?
I suggest hdfc ergo
I suggest ICICI Lombard
Why you porting it ?
@@gempire4135 for better features
I have policy in star health insurance... Can I port...
You can if you aren't satisfied with your current plan & looking for a better option.
Yes you can port it
How much gst?
Is this policy elegible for 80d income tax deduction
Mam, I tried to buy this policy but it doesn't have 'Deductible' payment add-on.
When called to ICICI Lombard customer care, they said it is not included now but will be in future and I can add that time.
is it correct that I can add that raider in future renewals if availavle? Could you please.. advise?
Yes they can introduce in later years.
For how much sum insured Reset benefit will work?
Reset and refill ko explain kr dijiye or base sum assured and sum assured
Bihar, what will be the premium?
"Any one Illness means continuous period of Illness and it includes a relapse within 45 days from the date of last consultation with the Hospital/Nursing Home where treatment may have been taken".
I found this in both Elevate and Optima Secure, but not in aspire.
Could you please explain what this clause means for the customer?
Hello, for ur info hdfc has no such 45 days gap in restoration , completed 15 yrs with hlth insurance , tata, icici elevate has this gap
@@UrbanRender I would be glad to be wrong! The sentence is there in the policy wording though, hence my concern.
@@animesh_agr optima secure has no 45 days gap, ..... already took repeated claims within 45 days with hdfc ergo🙏
Mam, Thanks for the video. This sounds as a very good plan!
Could you also make a comparison video of this with plan 'HDFC ERGO Optima secue' ?
Thanks in advance!
Prmwise at elder age optima secure n elevate almost same , hdfc claim wise the best
Phone pay app se le sakte hai?
Thanks , Is there any room caping in this policy for 7.5 Lac cover ?
@@nitinnarayanInsurancedvisor no
Single private ac room is available.
I am having HDFC ERGO OPTIMA SECURE policy from 2 years, If i port from HDFC to ICICI elevate should i again wait for 36 months for PED? or only for 1 year?
Yes
Whats ur renual date
@@ankitadutta1256 November 11/
2024
@@ankitadutta1256 Again have to wait for 36 months for PED? After porting into new insurance policy?
Gurleen Ma'am , I have to buy a policy for my parents 64 and 63 age. They have PED bp , sugar and cholesterol from 2019. I was confused between Care Supreme and Aditya Birla activ one as both provide instant cover for these PEDs. Now ICICI elevate also looks very good.
Please suggest which one to buy. Specially considering the CSR and Complaint volume.
bhai konsa choose kiya fir aapne ?
is power booster feature available with 5 lac policy cover ?
No
infinite reset me doubt h, 2 star lage hue h, kya ye reassure 2.0 neva bupa jaisa hi first claim se triggered hoga ya koi issue h plz suggest
It’ll trigger by marking a single claim and also infinite claim amount is there without any limitations it’s far better than Niva or any other insurer.
45 days waiting to refill again
How is niva bupahealyh insurance policy
worst policy
Kindly make video of elevate vs optima secure
sure, we will be bringing up a video soon.
Thank you mam for the video.
Please niva bupa Aspire aur elevate ka ek comparison video bana dena.
Tell me What is the plan combinations ,like individual- family floater- multi member
& how many adult & chil you can add
2 adults and 3 child can be added in this policy
Hello Gurleen ma'am jaise ki iss policy me ped ka waiting period 36 month hai.agar PED disclose kar dete hain to add on lekar 12 mahine ka waiting period mil sakta hai kya iss policy me?
Yes, i have opted for that add-on
@@prathameshkumbhar0303 hello brother kya tumne bhi ped disclose karke policy li hai kya aur tumhe premium kitna padha.
Modern treatments, really? I mean are u sure mam these are covered upto sum insured and not with a sub limit of 1 lac?
Can a person undergone angioplasty & diabetic take this policy
Yes sir
Diabetes covered after 30 days waiting period
If recently taken claim for surgery in this year so we can portout with same condition because 2 company rejected like aditya birla said permanent exclude to the disease related to same surgery in future and niva bupa denied fully to person (Reason they given Chronic disease) so what to do as per your experience. We have to continue with existing policy because already 4 yrs completed there but SI only 5 lakh and bonus is 5 lakh but after claim they dlreduce 50% bonus. Thatswhy decided for portout
Which company insurance you have
Brother same here, commenting from hospital bed, my care health insurance denied my cashless stating PED, it is a cervical disc operation, they denied it, now got the operation done from my office corporate insurance. Don't know whether this will get covered in future or not
@@JaiHanuman9936 currently star health.
@AnshuAnand 2020 bhai waiting period kitna tha
Great
Thanks a lot, keep watching !
For senior citizens 70+ age is this insurance good ?
How can we obtain a discount based on our credit score?
What about angioplasty, can they take this policy
Gurleen madam please Reply
Not possible at all you’ve to stick with the similar insurer for life long if there’s any insurance policy running otherwise there are some plans in market that’ll exclude the heart with some copay..
What about portablity,,,I have to change with my star helath policy
You can port to other health insurance company. For any queries, we are available on WhatsApp/Call at 9650706699.
Our team can assist you with a few suitable options.
Can you suggest any policy where premium can be paid till 60 yrs coverage will get till 75 or 80 yrs .
Nahin jee, In health insurance - no such option is available
@GurleenKaurTikku Madam insurance company should think on these lines as after 60 years, the person will retire , then how come he will be able to pay the premium if he doesn't have pension or some other source.
In maximum case, one would require the health policy after 60 only
Govt can launch such a facility not by business making company this is going to happen at all
Can you suggest a policy which is having least waiting period for maternity plus minimum waiting period for PED.
Reliance 12 months, star 12 month, niva bupa 9 months
@@sumitsingh-bb5ed Elevate plan
@@venki232323 kindly let us with the meternity amount as well..
@@Rudranesh-c1h up to 2 lakh maternity limit in Reliance (need to pay 3years premium. Initally ), 50k, 1 lakh in Star woman based on Sum assured.
Niva up to 75k based on Sum assured and Three years premium initially
Icicilombard with initial waiting period of 30 days For PED
Policy premium is driven by the sum insured I chose for. For example, 10lac SI i am paying premium of 15k and for 20lac SI i am paying 20k. If I can claim for infinite amount then why would someone go for higher premium with higher SI?
Sir the infinite care is for one time in your lifetime you can claim any amount for once in your lifetime not everytime
@@SwatiSingh-hc7gi Thanks for your response.
Grade-2 Fatty liver would be covered under this policy?
Icici elevate vs icici health advantage ? Video please
Coming up next week.
Any new plan from Niva Bupa? Want to port my 14 years old Oriental policy. Please suggest a good plan.
OK I can explain
Mam agar maine health insurance policy online liya hai aur mai agent ko add krke agent ke through renew karwana chahu to kya mai aisa kr skta hu?
Nhi online m nhi hoga aap ko icici ke agent se baat karni hogi
Superb product
Yes it is
Is Power booster available for 5 lakhs ?
yes
What is the criteria for unlimited cover ? When we have to give request ?
There is option to choose unlimited sum insured.
One years ago I do bariyatric surgery so can I buy this plan ?
No, policy won’t be possible if you have undergone bariatric surgery
Trust m guys m personal experience h m mother admit thi hospital m aur iss company ne last moment pr claim reject kr dia Hume pta h humne hospital bill kaise pay kiya
Rejection ka koi reason raha hoga?
@@AVNISH4646 Haa m mother ko blood ki kami ho gyi thi jisse unke pair swell ho gye the jb claim ki baari aayi toh jo inke employee Verification krne aaye toh unhone yeh objection diya ki patient ne verbally yeh accept kiya h unke bahut time se pair swell hi rehte h
Ab batao kisi bande ke pair bahut time se swell honge toh doctor ke pass nhi jaayega
Aur humne saare proof diye ek ek slip di doctor ki aur blood test ki unpr bhi date mention hi thi aur phele se hota toh jab insurance li thi tab pta nhi chla
😮 kitna kharcha Aya tha
@@Vinit_Gambhir 1,57,000
Can we buy this policy through agent or advisor?
Yes
@@GurleenKaurTikku thanks a lot
I want Port My policy can i convert in it
Yes sir
Hello Gurleen Kaur,
My Family Health Insureance of 20L +5X was done by u & Team
But after that, I have never got any supoort call or update ..
Wish u great customer sucess stories ..
Hello Kanwaljit jee, connecting with you over whatsapp
😂😂😂😂wah
HOW TO ADD MATERNITY BENEFIT TO EXISTING POLICY
Make a video ICICI prudential health saver plan
Ek baar add on kar liye to kya unko baad me change kar sakte hai ya nhi madem
Ye can take or remove add-on at the time of renewal
The add ons can be changed at the time of renewal
Pls do a video on Icici health shield 360 which icici has for its account holders. For 2cr cover for 2A2K the premium is as low as 23500 approx. It has all the important benfits as well. Only downside i have heard is that its not portable. Kindly advise.
It is a group insurance policy offered through bank.
I hear from icici this plan can be closed anytime and not easily claim is available and no dedicated assistance customer care
I work at icici and you heard it right not portable
कोरोना वॅक्सीन नाही ली है तो तो क्लेम कॅन्सल हो सकता है क्या plz tell me🙏🏻🙏🏻
please check with your insurance company or the agent.
Nice
Thanks, keep watching !
Kya Ailment Myopia Pre existing me hai?
Icici Lombard ne mujhe claim nhin diya na Cashless na reimbursement
Power -7.5 or +7.5 re zada hoga tab hi milega apka kitna hai ?
@@truptipriyadarshani4841 -12 hai operation hua to claim reject kar diya ye kah kar ke aap ne bataya nhin ke aapko pahle se Ailment myopia hai
Tikku ji have you ever faced any health issues and use those benefits health insurances any company.
Please share your experiences
Good or bad whatever
Room rent limit (twin sharing room) and 10% copayment for outside network hospital inbuilt karake company ne bahut badi galati ki hai...3 months before this conditions not applicable the
Can anyone tell me about the review of ICICI Lombard?
Monthly ya quarterly premium me available Hai.. ya or koi health insurance plan.. plz make a Vedio on monthly premium payment health policy.
Yes monthly and quarterly both things available in ICICI Lombard
Icici lombard provided best claim service 🎉
👍
Should I buy
What about Bajaj Allianz My Health Care product
Kya isme port allowed hai......
Yes sir
My father have gone for ptca is there any policy ?
Check for Aditya Birla Active One Max or Icic lombard elevate. Please check with an official from the companies by visiting their offices. Don't trust any agent. Go and validate yourself from the company.
अगर कोई व्यक्ति हार्ट का ऑपरेशन कर चुका है तो उसका वेटिंग पीरियड भी कम हो सकता हैक्या
Y POLICY NAHI MILEGA