For higher premiums like 20 lakhs and above, 10 lakhs deductible + 15Lakhs super top are nearby similar rates. So check the base premium rates before buying super top ups
In the video, it was told that Ditto is hiring for insurance advisors but can't seem to find the link in the description. Can that link be provided here?
Sure, here you go - joinditto.freshteam.com/jobs/GHECyqpcFOu2/insurance-advisory-remote?ft_source=RUclips_5000791150&ft_medium=RUclips%20Ditto_5000706630
A few of them are mentioned in the video. However, if you’d like to know about them in detail, we suggest you to book a call with us with the link in description!
We have separate base policies. If we take commonsuper top with deductible of 5 lakhs, Then I would like to know whether deductible is common or separate for each policy holder?
Thanks for your interest in working with Ditto. We have currently paused hiring for the role of Insurance Advisor. Please stay tuned for more updates when resume hiring.
Sir I am in PSU and having 3 Lakh corporate insurance from National Insurance. Want to take 10 lakh family floter with one lakh agrigate deductible. Will my corporate policy work as diductible and if yes how??
Why so ? Is it not possible to have a base policy and super-top up from different companies. Will it be difficult to claim if more than 1 company is involved in a claim ?@@dittoinsurance
@dittoinsurance why? Generally in private companies star health is oldest and in government companies new India assurance is oldest , actually new India assurance is far better than these care, niva Bupa , HDFC ergo , through there premium little high when compared to private companies but hospital coverage entire india and claim rejection will not be there like in private companies . Hdfc ergo takes more premium but less coverage in terms of hospitals , in our state there are no coverage hospitals for hdfc ergo , no body talsk about government companies but they are the best in terms of cashless , coverage , reimbursement also they don't harres like private companies
Hdfc ergo optima secure if we add just 25k deductible premium reduces significantly. Why that’s not recommended? Do we need base policy if we take optima secure with just 25k deductible.
Don't opt for Voluntary Deductible. Why ? Let's say your Yearly Premium is 30k within voluntary deductible and health cover of 10 Lakhs. If any claim occurs, the entire amount will be paid by the HDFC ERGO. Now, the chances of a person getting Claim of 8 lakhs, or 10 lakhs are low, but chances of getting Claims of 1 lakh, 2 lakh are more. So by selecting a voluntary deductible of 25k, when claim amount is 1 lakh. You are paying out of your pocket 25k apart from the premium amount you have paid which indirectly puts lesser liability on the Health insurance company. The purpose of insurance is to pay entire premium and put liability on the health insurance company. Also the 2x is nothing but a marketing tactic that is used to sound smart, but you are customers are paying for 2x cover itself from day 1 No idea why they are deleting my other comments
@@ryandsoiza Thank you so much for detailed explanation. Another Question : with deductible do we get same features from Optima Secure ? Bonus/refill and 2x on day 1 ? My View Point : Optima Secure with deductible makes so much more sense for people with good corporate policy. We will still work for 10-15 years. Within these 10-15 years we can save on good amount of premiums. At later stage after 10 years we won’t mind paying 25k from our pocket. Plus we are also secured with good policy even after job. Meanwhile for 1-2 lakh claims we will have corporate policy till 10-15 years.
@@PrateekChadha247 Part-1 Yes. With Deductible, you will get the same amount of Benefits. When you talk about 2x cover, you need to understand that it's a marketing tactic. Here, if you are purchasing new health insurance for the 1st time, day 1 means 31st day (Because initial 30 days are waiting period) For Example, 10L base plan, 2x from day 1 (31st Day) the cover will be 20L. Now When you compare health insurance policy of ICICI vs Care vs HDFC for 10L, others will give you premium rates for 10L but HDFC will give premium rate of 20L which will be higher. So you need HDFC 5L cover that will be 2x, and then you will see all 3 company premium somewhat matching. The 2x is not a benefit, the statement used is marketed to make you think that you receive 2x from day 1 but you are paying premium since start on 2x value itself.
@@PrateekChadha247 Part-1 Yes. With Deductible, you will get the same amount of Benefits. When you talk about 2x cover, you need to understand that it's a marketing tactic. Here, if you are purchasing new health insurance for the 1st time, day 1 means 31st day (Because initial 30 days are waiting period) For Example, 10L base plan, 2x from day 1 (31st Day) the cover will be 20L. Now When you compare health insurance policy of ICICI vs Care vs HDFC for 10L, others will give you premium rates for 10L but HDFC will give premium rate of 20L which will be higher. So you need HDFC 5L cover that will be 2x, and then you will see all 3 company premium somewhat matching. The 2x is not a benefit, the statement used is marketed to make you think that you receive 2x from day 1 but you are paying premium since start on 2x value itself.
@@PrateekChadha247 Part-2 When we talk about deductible, what you have asked us correct. Why not pay for deductible now and later as well, as we have corporate policy ? The answer here is that, if you have private job, the corporate plan will get discontinued. If you switch your job, the corporate plan will discontinue. You may receive better career opportunities in other company, you may switch and then, the next company corporate grp plan will be eligible for you. This situation is uncertain. But what we know now as guarantee, is that you will eventually age, and by 55 years old, you will be paying Premium for 2X benefits, the Premium might be approx 50k yearly (Might be more in 10/15 years) as health insurance premium rates are increased by company as per age and also as per their own terms. At that time, you will be paying premium amt (even after having Deductible benefits), and possibility of claim will be higher at 55 than now (of your current age for example is 35) so Cost @ Age 55 = Yearly Premium + 25k from your pocket + other non payable charges that are not covered by Health insurance companies. What I am asking you is ???? Why take 25k liability on yourself at the time of claim for example 5% premium reduction ?
For higher premiums like 20 lakhs and above, 10 lakhs deductible + 15Lakhs super top are nearby similar rates. So check the base premium rates before buying super top ups
very bad way of putting this video no table no comparison only talk
How is the service of Bajaj Allianz
In the video, it was told that Ditto is hiring for insurance advisors but can't seem to find the link in the description. Can that link be provided here?
Sure, here you go - joinditto.freshteam.com/jobs/GHECyqpcFOu2/insurance-advisory-remote?ft_source=RUclips_5000791150&ft_medium=RUclips%20Ditto_5000706630
Which are best super top policy available in INDIA
A few of them are mentioned in the video. However, if you’d like to know about them in detail, we suggest you to book a call with us with the link in description!
We have separate base policies.
If we take commonsuper top with deductible of 5 lakhs,
Then I would like to know whether deductible is common or separate for each policy holder?
It will be common for each policy holder
would like to work remotely.....cant find the link to apply
Thanks for your interest in working with Ditto. We have currently paused hiring for the role of Insurance Advisor. Please stay tuned for more updates when resume hiring.
Please could you make a video on Aditya Birla Activ One.... how is the product and the claim experience
This video is in our pipeline! Stay tuned for the whole video :)
@@dittoinsurance ditto you are not helping me I want to ask you that how is the service of Bajaj Allianz why they are premium is so expensive
@@sugatamukherjee4000 why do not you schedule a call with them.... I guess you would receive some good advice
@@dittoinsuranceplease release this videos fast
@@sugatamukherjee4000We have picked this topic up and will soon release the video. Please stay tuned
how super topup work if i have ayush maan bharat card, it will work or not?
You can use any means to cross the deductible amount. You can use retail insurance, corporate insurance or such govt. policies as well.
Sir I am in PSU and having 3 Lakh corporate insurance from National Insurance. Want to take 10 lakh family floter with one lakh agrigate deductible. Will my corporate policy work as diductible and if yes how??
You can use the corporate policy as deductible
Hi Sir I have one health insurance policy of 5 lakhs should I get super top up policy from same company or from different company.
It is advised to get a super-top up policy from the same company
Why so ? Is it not possible to have a base policy and super-top up from different companies. Will it be difficult to claim if more than 1 company is involved in a claim ?@@dittoinsurance
Can we port a super topup policy...
no
Unfortunately, that’s not possible
What about star health surpluss policy
Star isn't our primary recommendation
@dittoinsurance why? Generally in private companies star health is oldest and in government companies new India assurance is oldest , actually new India assurance is far better than these care, niva Bupa , HDFC ergo , through there premium little high when compared to private companies but hospital coverage entire india and claim rejection will not be there like in private companies . Hdfc ergo takes more premium but less coverage in terms of hospitals , in our state there are no coverage hospitals for hdfc ergo , no body talsk about government companies but they are the best in terms of cashless , coverage , reimbursement also they don't harres like private companies
Medi_$ure does 🚫 not cover non medical/Customisable items 😢😢😢
Deductible" every year 1 time hi dena hota hai -
Vo shaayad super top up mein.
Top up mein har baar dena hota hain.
Best super top up?
Sorry, for previous comment
Ditto ka alag se ek Hindi Channel hai - www.youtube.com/@DittoInsuranceHindi
@@dittoinsurance okay
Hdfc ergo optima secure if we add just 25k deductible premium reduces significantly. Why that’s not recommended? Do we need base policy if we take optima secure with just 25k deductible.
Don't opt for Voluntary Deductible. Why ?
Let's say your Yearly Premium is 30k within voluntary deductible and health cover of 10 Lakhs. If any claim occurs, the entire amount will be paid by the HDFC ERGO.
Now, the chances of a person getting Claim of 8 lakhs, or 10 lakhs are low, but chances of getting Claims of 1 lakh, 2 lakh are more.
So by selecting a voluntary deductible of 25k, when claim amount is 1 lakh. You are paying out of your pocket 25k apart from the premium amount you have paid which indirectly puts lesser liability on the Health insurance company.
The purpose of insurance is to pay entire premium and put liability on the health insurance company.
Also the 2x is nothing but a marketing tactic that is used to sound smart, but you are customers are paying for 2x cover itself from day 1
No idea why they are deleting my other comments
@@ryandsoiza Thank you so much for detailed explanation.
Another Question : with deductible do we get same features from Optima Secure ? Bonus/refill and 2x on day 1 ?
My View Point : Optima Secure with deductible makes so much more sense for people with good corporate policy. We will still work for 10-15 years. Within these 10-15 years we can save on good amount of premiums. At later stage after 10 years we won’t mind paying 25k from our pocket. Plus we are also secured with good policy even after job. Meanwhile for 1-2 lakh claims we will have corporate policy till 10-15 years.
@@PrateekChadha247
Part-1
Yes. With Deductible, you will get the same amount of Benefits. When you talk about 2x cover, you need to understand that it's a marketing tactic.
Here, if you are purchasing new health insurance for the 1st time, day 1 means 31st day (Because initial 30 days are waiting period)
For Example, 10L base plan, 2x from day 1 (31st Day) the cover will be 20L. Now When you compare health insurance policy of ICICI vs Care vs HDFC for 10L, others will give you premium rates for 10L but HDFC will give premium rate of 20L which will be higher. So you need HDFC 5L cover that will be 2x, and then you will see all 3 company premium somewhat matching.
The 2x is not a benefit, the statement used is marketed to make you think that you receive 2x from day 1 but you are paying premium since start on 2x value itself.
@@PrateekChadha247
Part-1
Yes. With Deductible, you will get the same amount of Benefits. When you talk about 2x cover, you need to understand that it's a marketing tactic.
Here, if you are purchasing new health insurance for the 1st time, day 1 means 31st day (Because initial 30 days are waiting period)
For Example, 10L base plan, 2x from day 1 (31st Day) the cover will be 20L. Now When you compare health insurance policy of ICICI vs Care vs HDFC for 10L, others will give you premium rates for 10L but HDFC will give premium rate of 20L which will be higher. So you need HDFC 5L cover that will be 2x, and then you will see all 3 company premium somewhat matching.
The 2x is not a benefit, the statement used is marketed to make you think that you receive 2x from day 1 but you are paying premium since start on 2x value itself.
@@PrateekChadha247
Part-2
When we talk about deductible, what you have asked us correct. Why not pay for deductible now and later as well, as we have corporate policy ?
The answer here is that, if you have private job, the corporate plan will get discontinued. If you switch your job, the corporate plan will discontinue. You may receive better career opportunities in other company, you may switch and then, the next company corporate grp plan will be eligible for you. This situation is uncertain.
But what we know now as guarantee, is that you will eventually age, and by 55 years old, you will be paying Premium for 2X benefits, the Premium might be approx 50k yearly (Might be more in 10/15 years) as health insurance premium rates are increased by company as per age and also as per their own terms.
At that time, you will be paying premium amt (even after having Deductible benefits), and possibility of claim will be higher at 55 than now (of your current age for example is 35) so
Cost @ Age 55 = Yearly Premium + 25k from your pocket + other non payable charges that are not covered by Health insurance companies.
What I am asking you is ???? Why take 25k liability on yourself at the time of claim for example 5% premium reduction ?