Nice explanation 👌👌 Every claims will be settled if documentations are good & true as per policy norms (especially waiting period and permanent exclusions)
In order to prove that 1 lakh exclusion is fully consumed is it necessary to file a claim for the 40000 and 30000 against the super top for the purposes of rejection Or else what else is to be done?
Hello maam ,can you pls suggest for health insurance, niva Bupa, star, hdfc ergo, care, Manipal...what will be the best as we can't no room cap, unlimited restoration n add everything..n other benefits n we can able to add super top up
Hi Vikas, Choosing the right plan should be the focus. You can contact us on WhatsApp/Call at 9650706699 & our team can assist you choose the right plan according to your requirements from the health insurance policy. Thanks
Very nice Ma'am. Excellent presentations being done. Request if you can cover even products of Star Health and Care Health individually and even when comparing with other companies. Both have unique products at reasonable premium. Best wishes.
Madam which Company and which policy is best in minimum premium till death for 2 persons. with super Top up policy. Please advice me. Which company will not increase the preimium every year.
Hello Gurleen Kaur Ji- I already have Mediclaim insurance with United India since 25 years for 10 Lakhs for me and my wife. Now I am 74 years and would like to take "Super Top Up" policy with ICICI Lombard Health Booster since Age Max - "No limit." What do you suggest please?
If sum insured is exhausted during hospitalisation. After discharge can i can my post hospitalisation in my topup policy of hdfc ergo if my main cashless claim is registered in base policy.pls
Mam, niva bupa reassure 2.0 base plan has no room limit and super top up has single private Ac room as the limit. Wouldn't this create a hassle??. When someone undergoes treatment in suite room using base plan and then realize treatment cost will exceed base cover. Now how practical is shifting a patient from suite room to single AC room?? Pls share your thoughts .
Mam...will it be issue if I have my base plan (10 lac coverage) from ICICI LOMBARD and a SUPER TOPUP of NIVA BUPA (90 lac covg) with 10 lac deductible.
I would be going ahead with the same company from which I already have base cover. We are having Niva bupa health insurance for the last 10 years, and having super top from the same company.
ma'am my age is 26 and my mum's age is 50 and we have niva bupa reassure family floater plan of base plan Rs 10 lakh for only 2 of us. I want to add additional 80 lakh rs worth niva bupa super topup insurance. My annual premium for base plan+rider(safeguard) is 18943rs.... how much more will I have to pay to add additional 80 lacs worth supertopup plan? Ma'am please reply..
I am planning to buy niva bupa reassure + recharge for 10 + 90 lac combo for my mom(62) and dad(63) but the policy bazaar estimated a price of 51k.... how u got such a cheap plan?
My unmarried son age 24 years, service as a po in psu bank, he wants to go for niva Bupa health insurance super top up dedectable with 5 Laks, please suggest he will go for single or family floter? if he will go for single policy because he is unmarried then what about after marriage?
Agar hum normal 5lakh ki policy purchase karta like Hdfc optima restore & sath mah 15 lakh ka super top- Up la la (5lakh deductible amount which is payed by base policy) Then joh restore benefit milta hai vo bi milta hai yah nahi
Ma'am thanks for making such types of videos. Pls suggest super top up which covers consumables items also.. Also pls suggest best super top up plan name. I have a corporate plan.
Hello ma'am, Thanks for this comparison of plans. I already has a family floater plan from nivabupa (Health Companion) with SA of 10 Lakh. I got this plan after getting your kind suggestions (and it was really best). Ma'am this plan (Health Companion) covers critical illnesses? Thinking to get a nivabupa top-up plan. Why critical illnesses cover is optional in nivabupas top-up plan? Regards Deepak Arya, Nainital
Deepak jee, yes, health companion will be covering hospitalization related to critical illnesses. Additional rider of critical illness is to pay lumpsum benefit in case critical illness is diagnosed.
Mere paas corporate policy hai usme Pata nahi hai kya usme disease wise sublimit hogi ya nahi,aur star ka top up plan hai 50lakh ka lejin sab star ko fradlud bol Rahe hai
mam agar maine 5 lakh ka koi bhi basic plan le liya eg hdfc my health suraksha or sath me 20 lakh ka hdfc ka super top up with 5 lakh deductible, now agar claim 15 lakh ka aa gya toh kya mujhe pehle 5 lakh pay karne padenge ya fir 5 lakh basic se or 10 lakh super top up se kat jayenge???
Mam niva bupa super top up is not covering Medicines and diagnostic tests under super top up so there is any other option to cover 100% hospitalization expenses for super top up
Great video Madam. I applied for Niva Bupa but they rejected me because I had gall bladder surgery. Madam, If I pay my insurance premiums regularly, till what age I can continue my policy
@@GurleenKaurTikku Hello Mam Please also confirm that if we have a base policy of 10 lakhs and a top up policy of 5 lakhs deductible of 5+ 95 of niva bupa, and first claim arises of 7 lakhs which was paid by the base policy, and next claim arises of 5 lakhs. How it will be settled as they may deny to pay as they should pay the sum over 5 lakhs but it is over 7 lakhs and we have only 3 lakhs left in the base policy considering no refill benifit is there. Please guide.
I have health insurance of star health plus Max Bupa super top-up, I want to know the difference between refill and the super top, I mean if the basic health insurance has refill feature then does there is any need for super top??
Lets say if base and refill is exhausted, then one can use super top up plan. If first claim is higher than base coverage, then also super top up will come to use.
maam, protector rider main, jab sum insured increased hota hain as per inflation, toh base policy ka SI bar jata hain. Right? Suppose main ne Optima restore liya hain, aur har saal as per inflation SI increase hota hain , toh increased SI ke upar kya no claim bonus or restore benefit calculate hoga, har saal?
Nice for covering super top up. I have following opinion ...Star health super surplus is better option then others. Reasons : 1. Waiting period is of 1 year 2. Deductible option is of 3L 2. Cover upto 1 cr 3. No copayment
@@GurleenKaurTikku Please can you compare Star Health Super Surplus Gold and Niva Bupa Health reassure. Star Health has 10% co-pay, I think. But they have better network. I am bit confused as I am looking for my parents who are 60+. Also not sure if Star covers consumables because Niva doesn't cover the same
@@ankush1910 Ankush jee, please get in touch with us on WhatsApp / Call at 9650706699 or you can fill up this form & our team can connect with you directly. FORM LINK : hareepatti.com/contact-us/
Hello jee, please connect with us on WhatsApp at 9650706699. Our team can assist you with a few suitable options & the premiums accordingly 😊 Thank you & keep watching !
I ve NIVA BUPA health companion 5 lac sum assured base policy.....no claim in first 4 yrs and 16000 claim in 5 th year.....shoul i go for top up ?? Family of four 2 adults+ 2 kids below 10 yrs....can top b taken at any time of the policy??
Can we choose which component of the bill is paid by base policy & super top up For example, person A has Base sum assured: 10L Base sum assured covers all room rent, consumables Super top up: 20L (10L deductible) Super top up covers only shared room & no consumables A claim arises for 12L. Out of which 3L is room rent for delux room 2L for consumables 7L other expenses (covered in base & super top up) Can I request the insurer to pay the complete room rent & consumables from base (3L + 2L) along with other 5L (total 10L exhausted) Remaining 2L from super top up In that way full 12L will be paid Is this possible? NOTE: These numbers are just made up for better understanding
No, this is not possible. First the amount will be settled from base and if it is exhausted , then super top up and claim will be paid according to the terms and conditions of both the policies.
@@GurleenKaurTikku yes, after base is exhausted only then super top up will be used. But I meant to ask if the complete room rent & consumables be paid by base policy if super top up does not cover those expenses
@@verma.007 This is a valid question. No where it is discussed. My suggestion, go through the super top up plan. Whatever it says covered would be considered as medical expenditure while calculating the exhaustion of deductible. So it is better if base policy and super top up of more or less same kind and from the same insurer. If they are from different insurers then the onus will be on us to prove the deductible is exhausted. It will be a headache.
Very informational videos , just one suggestion for editing, do not switch between information and face video, while seeing information , we listen to you , relates and suddenly it goes away or you can show your video at some corner permanently
Very detailed comparison and quite helpful, Gurleen. Thank you for sharing. I have a small question here. Since a base plan is required for opting for any super top-up policy, can we have base plan from Insurance company A(like care, hdfc,etc.) and super top-up from a different company than base plan(like Niva Bupa)? If so, then does it create any issues during cashless or reimbursement requests?
You can have super top up without the base policy. And not necessary to have both policies from the same company, however advisable to do so as it makes claim process easier and hassle free
Nice explanation 👌👌
Every claims will be settled if documentations are good & true as per policy norms (especially waiting period and permanent exclusions)
Thank you so much :)
In order to prove that 1 lakh exclusion is fully consumed is it necessary to file a claim for the 40000 and 30000 against the super top for the purposes of rejection Or else what else is to be done?
Nice comparison. Saved lot of time . Thank you 👍
Thank you so much 😊
Hello maam ,can you pls suggest for health insurance, niva Bupa, star, hdfc ergo, care, Manipal...what will be the best as we can't no room cap, unlimited restoration n add everything..n other benefits n we can able to add super top up
Hi Vikas, Choosing the right plan should be the focus. You can contact us on WhatsApp/Call at 9650706699 & our team can assist you choose the right plan according to your requirements from the health insurance policy.
Thanks
for pre-existing disease if waiting period is over in base policy....will have waiting period in super top up in same company ? Mine is religare
Does super topup cover organ donor expense?
As per policy wording of HDFC ergo Medicare, Domicillary treatment and ambulance charges are excluded. Please clarify.
Yes, not covered in their super top up plan.
Very nice Ma'am. Excellent presentations being done. Request if you can cover even products of Star Health and Care Health individually and even when comparing with other companies. Both have unique products at reasonable premium. Best wishes.
Thank you so much & Yes, we will be covering other companies too in the future :)
Keep Watching !
Madam which Company and which policy is best in minimum premium till death for 2 persons. with super Top up policy. Please advice me. Which company will not increase the preimium every year.
Do you get portability option in super top up policy
Hello Gurleen Kaur Ji- I already have Mediclaim insurance with United India since 25 years for 10 Lakhs for me and my wife. Now I am 74 years and would like to take "Super Top Up" policy with ICICI Lombard Health Booster since Age Max - "No limit." What do you suggest please?
Liberty general ka health conect supra super top up lena chahiye
What about super top up policy of manipal Signa? Why not included in the comparison vidio of super top up policies? Wheather not good one?
Mam.
Liberty supra company super top up plan le sak te hai
If sum insured is exhausted during hospitalisation. After discharge can i can my post hospitalisation in my topup policy of hdfc ergo if my main cashless claim is registered in base policy.pls
Not possible
Is there any family super top up plan with 20 lacs or above deductible?
Mam, niva bupa reassure 2.0 base plan has no room limit and super top up has single private Ac room as the limit. Wouldn't this create a hassle??.
When someone undergoes treatment in suite room using base plan and then realize treatment cost will exceed base cover. Now how practical is shifting a patient from suite room to single AC room??
Pls share your thoughts .
Excellent way to explain good keep it up
Hello mam family floaters best health insurance policy kon si company ki aa?
Madam oriental insurance pe aap ne bol tha ke video banvane vale ho aap Kab banvoge
Mam,I will be 77 years by Feb24,when my Premium is due,can get Super Top Plan of
Nova Bupa in Feb 24 ?.pl reply.
Mam...will it be issue if I have my base plan (10 lac coverage) from ICICI LOMBARD and a SUPER TOPUP of NIVA BUPA (90 lac covg) with 10 lac deductible.
i think no
I've Health insurance of 10 lakh but deductable in super top up from other company is 5 lakh.
If bill is 15 lakh then what happens
u can choose either plan
You should write about the complement of HDFC ergo 10% co payment is applicable
WHAT WOULD BE BEST BASE POLICY IN HDFC ONLY FOR HDFC SUPER TOP UP PLAN ?
Hi mam
Is critical illness is covered in hdfc ergo optima secure or we have to take the rider?
Yes, covered for hospitalisation
@@GurleenKaurTikku ok thanks mam🙏🙏
@gurleen Kaur Tikku mam: Can you do a comparision among super top-up plans from NAVI, ACKO, GoDIGIT & PLUM ?
Jee, thank you for the video suggestion.
We will try to work on the comparison and bring up a video soon.
Keep watching !
It would be great if you could give your decision also at the end i.e which one would you buy at your condition keeping other factors aside?
I would be going ahead with the same company from which I already have base cover. We are having Niva bupa health insurance for the last 10 years, and having super top from the same company.
Do you advise on which plan should be taken?
@Gurleen Kaur Tikku niva super top up has single private room limit. Will that practically create any problem? . Based on ur experience
Very informative Madam. May I request you compare super top up policy of Star health insurance also.
Thanks :)
And yes, we will make the video soon on the suggested topic.
ma'am my age is 26 and my mum's age is 50 and we have niva bupa reassure family floater plan of base plan Rs 10 lakh for only 2 of us. I want to add additional 80 lakh rs worth niva bupa super topup insurance. My annual premium for base plan+rider(safeguard) is 18943rs.... how much more will I have to pay to add additional 80 lacs worth supertopup plan? Ma'am please reply..
Hi Aryan , the premium will be approx 5-6K
I am planning to buy niva bupa reassure + recharge for 10 + 90 lac combo for my mom(62) and dad(63) but the policy bazaar estimated a price of 51k.... how u got such a cheap plan?
I think due to huge age difference my friend... Insuring people above 60 is very costly
What about exclusions?
Madam I have optima secure health policy of 5 lacs cover amount.
Please guide me can I purchase super top up plan or not?
Yes, you can purchase super top up if you wish to enhance your coverage
Hi. Which health insurance policy (base as well as super top-up) do you use for yourself?
Niva Bupa Health Companion.
One small question… Do we need base insurance plan or we can buy directly super top up plan without base plan?
You can directly buy super top up plan as well
Hi mam
Can you guide me how to be certified financial planner?
Narendra jee, you can check details at FPSB website
@@GurleenKaurTikku thank you mam
what is incurred claim ratio mam..
Are Consumables Covered In Max Health Recharge Super top up
Not covered
Please clarify mam topup and super topup
Please check this video : ruclips.net/video/iKgx4q9YIwc/видео.htmlsi=6SFt-jqTCNmUlMem
Putting it all in summary as last slide would help.. like you did for Senior citizen policy comparison
Thank you so much , keep watching !
Thanks and yes I liked this video too and already did a thumbs up
Is bajaj allianz good for super topup??
My unmarried son age 24 years, service as a po in psu bank, he wants to go for niva Bupa health insurance super top up dedectable with 5 Laks, please suggest he will go for single or family floter? if he will go for single policy because he is unmarried then what about after marriage?
He can opt for individual policy currently, the policy can be converted to family floater and he can add his extended family
Agar hum normal 5lakh ki policy purchase karta like Hdfc optima restore & sath mah 15 lakh ka super top- Up la la (5lakh deductible amount which is payed by base policy)
Then joh restore benefit milta hai vo bi milta hai yah nahi
Yes, restore benefit will be there.
Ma'am thanks for making such types of videos.
Pls suggest super top up which covers consumables items also..
Also pls suggest best super top up plan name.
I have a corporate plan.
Sure, will make a video soon !
Thanks for the suggestion 😊
Hello ma'am,
Thanks for this comparison of plans. I already has a family floater plan from nivabupa (Health Companion) with SA of 10 Lakh. I got this plan after getting your kind suggestions (and it was really best). Ma'am this plan (Health Companion) covers critical illnesses?
Thinking to get a nivabupa top-up plan. Why critical illnesses cover is optional in nivabupas top-up plan?
Regards
Deepak Arya, Nainital
Deepak jee, yes, health companion will be covering hospitalization related to critical illnesses. Additional rider of critical illness is to pay lumpsum benefit in case critical illness is diagnosed.
@@GurleenKaurTikku Thanks ma'am
Mere paas corporate policy hai usme Pata nahi hai kya usme disease wise sublimit hogi ya nahi,aur star ka top up plan hai 50lakh ka lejin sab star ko fradlud bol Rahe hai
mam agar maine 5 lakh ka koi bhi basic plan le liya eg hdfc my health suraksha or sath me 20 lakh ka hdfc ka super top up with 5 lakh deductible, now agar claim 15 lakh ka aa gya toh
kya mujhe pehle 5 lakh pay karne padenge ya fir 5 lakh basic se or 10 lakh super top up se kat jayenge???
Rohit jee, full 15 lacs will be settled-
5 lacs from base and 10 lacs from super top up
My father has a bp diabetis heart and kidney problem can we take super top up plan ??
Yes, you can apply.
Decision is will be as per underwriting team
Mam niva bupa super top up is not covering Medicines and diagnostic tests under super top up so there is any other option to cover 100% hospitalization expenses for super top up
Sir, Super top up will come with certain restrictions and will not be fully covered plans
@@GurleenKaurTikku so they can't cover 100% like base policy
What about star ? Manipal Cigna ?
Will be sharing about them too in the future videos :)
@@GurleenKaurTikku look forward to your content and views on the same.
@@solenosalia Sure, keep watching !
Great video Madam. I applied for Niva Bupa but they rejected me because I had gall bladder surgery. Madam, If I pay my insurance premiums regularly, till what age I can continue my policy
You can continue your policy for lifetime
Hello Mam,
Are consumables covered in these policies ?
No, Not covered
@@GurleenKaurTikku
Hello Mam
Please also confirm that if we have a base policy of 10 lakhs and a top up policy of 5 lakhs deductible of 5+ 95 of niva bupa, and first claim arises of 7 lakhs which was paid by the base policy, and next claim arises of 5 lakhs. How it will be settled as they may deny to pay as they should pay the sum over 5 lakhs but it is over 7 lakhs and we have only 3 lakhs left in the base policy considering no refill benifit is there. Please guide.
I have health insurance of star health plus Max Bupa super top-up, I want to know the difference between refill and the super top, I mean if the basic health insurance has refill feature then does there is any need for super top??
Lets say if base and refill is exhausted, then one can use super top up plan.
If first claim is higher than base coverage, then also super top up will come to use.
maam, protector rider main, jab sum insured increased hota hain as per inflation, toh base policy ka SI bar jata hain. Right? Suppose main ne Optima restore liya hain, aur har saal as per inflation SI increase hota hain , toh increased SI ke upar kya no claim bonus or restore benefit calculate hoga, har saal?
The increased sum assured of protector rider is shown separately in the policy and is not added in base sum assured.
Total sum assured will be a total of 'base sum + NCB+ Rider sum assured'
MIGRATION CHANCE IN ICICI HEALTH BOOSTER AFTER 6 YRS ?
Does Navi have super top ups?
Would like to know about their offerings as well
Yes, super top up is there - ruclips.net/video/rFqBvRgYjGE/видео.html
What is incured claim ratio Mam
ICR of Niva Bupa is 56%
Star health ka bhi comparison provide kare.
We have made a comparison video on STAR HEALTH PLANS. Please check this link : ruclips.net/video/ESf9fiMUcBk/видео.html
Thanks
Nice for covering super top up. I have following opinion ...Star health super surplus is better option then others. Reasons : 1. Waiting period is of 1 year 2. Deductible option is of 3L 2. Cover upto 1 cr 3. No copayment
Sure, will check that as well.
@@GurleenKaurTikku Please can you compare Star Health Super Surplus Gold and Niva Bupa Health reassure. Star Health has 10% co-pay, I think. But they have better network. I am bit confused as I am looking for my parents who are 60+. Also not sure if Star covers consumables because Niva doesn't cover the same
@@ankush1910 Ankush jee, please get in touch with us on WhatsApp / Call at 9650706699
or you can fill up this form & our team can connect with you directly.
FORM LINK : hareepatti.com/contact-us/
Useful information. Thank you mam
Glad :)
Thanks for watching !
Suppose my corporate top up plan icici Lombard exhausted then there is any benefit of top up the corporate top up plan?
Very Good Explanation
Thank you so much 😊
Great going maam
Thank you so much !
Premium for Sr. Citizen pl give
Hello jee, please connect with us on WhatsApp at 9650706699. Our team can assist you with a few suitable options & the premiums accordingly 😊
Thank you & keep watching !
NIVA BHUPA
MONEY SAVER IS TOP UP OR SUPER TOP PLAN?
Nice mam thank u...all clear
Thank you , Keep watching !!
Hello Mam, are Super Topup plans settled Cashless?
If yes, please mention which company settles Super Topup plan in Cashless Facility.
Thank You.
Yes, it is settled as cashless. If both your base and Super top up is from the same company, it is hassle free process
Very useful video
Thank you so much
Consumables are paid?? Portability is allowed??
Consumables are not covered and only few companies allow portability of super top up health plans.
@@GurleenKaurTikku thank you mam...
I ve NIVA BUPA health companion 5 lac sum assured base policy.....no claim in first 4 yrs and 16000 claim in 5 th year.....shoul i go for top up ?? Family of four 2 adults+ 2 kids below 10 yrs....can top b taken at any time of the policy??
Yes, you should increase your cover and super top can be taken.
It can be taken anytime but advised to take along with base policy
@@GurleenKaurTikku thanks Mam 👍👍
Is star health is a good company or not which company will you prefere for floater with supertopup with best claim settlement
Wonderful 👍
Thank you 😊
Can we choose which component of the bill is paid by base policy & super top up
For example, person A has
Base sum assured: 10L
Base sum assured covers all room rent, consumables
Super top up: 20L (10L deductible)
Super top up covers only shared room & no consumables
A claim arises for 12L.
Out of which 3L is room rent for delux room
2L for consumables
7L other expenses (covered in base & super top up)
Can I request the insurer to pay the complete room rent & consumables from base (3L + 2L) along with other 5L (total 10L exhausted)
Remaining 2L from super top up
In that way full 12L will be paid
Is this possible?
NOTE: These numbers are just made up for better understanding
No, this is not possible. First the amount will be settled from base and if it is exhausted , then super top up and claim will be paid according to the terms and conditions of both the policies.
@@GurleenKaurTikku yes, after base is exhausted only then super top up will be used. But I meant to ask if the complete room rent & consumables be paid by base policy if super top up does not cover those expenses
@@verma.007 This is a valid question. No where it is discussed. My suggestion, go through the super top up plan. Whatever it says covered would be considered as medical expenditure while calculating the exhaustion of deductible. So it is better if base policy and super top up of more or less same kind and from the same insurer. If they are from different insurers then the onus will be on us to prove the deductible is exhausted. It will be a headache.
Also I checked star health insurance for 10 lakhs in a single policy and the same as 5 +5 with super top up, the premiums are more or less same.
Super top up claim settlement ratio is just 55% below 60%
In niva Bupa
Very informational videos , just one suggestion for editing, do not switch between information and face video, while seeing information , we listen to you , relates and suddenly it goes away or you can show your video at some corner permanently
Ok thank you for the feedback , we will definitely take this into consideration.
Keep watching !
Goods Mam
Very detailed comparison and quite helpful, Gurleen. Thank you for sharing.
I have a small question here. Since a base plan is required for opting for any super top-up policy, can we have base plan from Insurance company A(like care, hdfc,etc.) and super top-up from a different company than base plan(like Niva Bupa)?
If so, then does it create any issues during cashless or reimbursement requests?
You can have super top up without the base policy.
And not necessary to have both policies from the same company, however advisable to do so as it makes claim process easier and hassle free
Nice video!
Thanks :)
Thanks
Thank you jee, keep watching !
Max Bupa / Niva Bupa "5.45" Yes I Can See /Feel Your Smile 😀😀 Kyu Ki Hum Aam Aadmi Pvt Ltd Hai😂😂
😅 True that
Please compare HDFC ERGO Optima Secure with Aditya Birla Platinum Enhanced. Please mam
Sure, Thanks for the suggestion.
Are you a kashmiri pandit
स्टार हेल्थ इन्शुरन्स कभी मत लेना, बहुतही घटिया कंपनी है, दावे बडे बडे करती है, लेकिन क्लेम सेटल नही करती
Tata Argo supper topup
?
Hi madam
Jay Mata di
Niva Bupa is better
👍
Suppose my corporate top up plan icici Lombard exhausted then there is any benefit of top up the corporate top up plan?
@gurleen Kaur Tikku mam: Can you do a comparision among super top-up plans from NAVI, ACKO, GoDIGIT & PLUM ?
Jee, thank you for the video suggestion.
We will try to work on the comparison and bring up a video soon.
Keep watching !