One of the most educational videos on the net which gives insight on rider vs critical illness stand-alone policy. Thank u for sharing this information.
VERY WELL EXPLAINED MY AGE IS 40 YEARS. MAI TERM INSURANCE AND CRITICAL ILLNESS RIDER ALAG ALAG LENA CHAHTA HO. PLEASE KUCH ALAG ALAG COMPANIES KA COMPARISION ME VIDEO BHI BANAIYE. .AAP K BATANE KA ANDAZ BAHUT ACCHA HAI. I LIKE IT VERY MUCH.
Thank You very much Sir for your detailed explanation . You have taken up a very important topic which is generally overlooked when purchasing term insurances
HDFC Click2Protect - Life & CI Rebalance Under this plan option, Basic Sum Assured chosen by you will be split between Life Cover SA and Critical Illness SA (CI SA) seems to be the one covering both?
If one has taken critical illness rider in a term plan and also taken critical illness cover. Then on contacting critical illness, does both policies pay??
Can we take 2 critical illness policy from 2 separate companies as I am planing to take additional amount Term insurance from another company .. do suggest
Mere husband ne icici pru iprotect smart term plan le rakha h. Usme accidental rider b hai for 50 years. Means unki 78 years tak. Kya ab usme critical illness rider b add kar sakte h kya? Ya critical illness k lie alag se policy leni chahiye for family?
Sir meri maa ko 1st stage cancer detect hua hai......koi medical policy nahi hai..... please guide kare me kya karu kaunsi policy lu... hamari financial condition acchi nahi hai
Hi Sir, is there any advantage in taking up CI policy earlier in 20s. Beacause anyways the premium is charged on the basis of the age, so premium has to increase.
Mare wife ki age 39 year hai whoue wife hai kya me apni wife ke liye critical inlles policy 40 lakh sum insured ki buy kar sakta hu kya ye policy log life renuwal ho ge
Very well explained. But I have some counter arguments in favor of the ci rider. As you rightly said in the beginning, critical illness insurance are for income protection. So, if they expire along with the term insurance, why is it a problem? 1. I am retired, no dependents 2. hospital expenses are taken care by health insurance 3. retirement planning is in place hence no income protection needed. Based on above points, it doesn't make sense paying the huge premiums of stand alone policies over the years.i could invest them and accumulate instead. Also, I think you are wrong in saying that the premium of stand alone policies is lesser then the ci riders for an early age. I think you are considering premium for term insurance+ci rider
Sir, Mera Kidney Transplant huaa hai 7 year ho chuke hai meri age 22 hai, meri medicine ke liye kya koi insurance ho sakta hai.. please koi insurance suggest kro sir jo aage ke liye kaam aaye
Sir please check the conditions of critical Illness approval .do you suggest any insurance which doesn't have these clever loopholes? And it's honestly wants to give the claim amount?
Sir, if someone smokes once or twice in a month, then is that person is considered as smoker or not? Means should he Menton in insurance detail as smoker or not?
What if the insured person suffers through 2 critical illness in his lifetime at different age ? Will the insurance cover the second time? Also will critical illness standalone policy will cover expenses if not me but one of my family members suffers through critical illness?
बेहतर यह होगा हमें समझने के लिए आप दो से लेकर तीन तक टर्म इंश्योरेंस सेलेक्ट करके उसकी कि क्रिटिकल इलनेस राडार etc बारे में बताइए . मैं अकेला नहीं जहां तक बहुत लोगों को समझ में नहीं आ रहा है कि आप क्या बोल रहे हैं।
Isn't it good to take 80-90yrs Term insurance ? Because at that time 15K-20K charge per year will not be a big deal and even if we die because of old age, Children will get good amount
Sir, icici ka example ki jagah aegon life I turm plus ka 36 critical illness cover hai. 80 age tak riders hai. Religare health critical policy ka government employees ko kya fayda claim to one time hi milega.
Hi Sir, if somebody have critical illness insurance plan including heart of 50lac & he paid premium for 15 years. Still Survival period is 1 month minimum. But all of a sudden what is the benefit of buying critical insurance if he or she died on 1st heart'attack only. There was was no time even to meet a doctor & there was no any earlier diagnosis also.
Critical Illness Plan is a kind of health insurance plan.. The objective of Critical Illness plan is to cover medical expenses for the treatment of critical illness and hence this is the reason behind the condition of survival period post diagnosis.
i am 51 year old running school till date i have not taken clerical illness policy i have taken health insurance .suggest me which policy should go for? l i took 3 LIC policies but rider i have not taken.
I am aged 34 Years. I am getting Tata AIA Term Rider of Critical illness with coverage up to 75 years. It covers 39 critical illness. Also it pays lumsum on diagnosed and survival for 30 days. It doesn't reduced original sum assured when payment is given for critical illness. What do you suggest ?
Sir are there any plans in critical illness standalone policies which cover family too, if yes please enlighten us and if not please advise any options for the same where family too can be covered under the critical illness umbrella
Sir thanks for the comparison Can u pls compare rider premium per. Lac vs stand alone premium per lac age wise ,and no of illness covered, waiting period and renewability etc Thanks
Stand alone critical plans seem to have a max limit of 10 lakhs. If a higher sum of say 25 lakhs needs to be taken, rider seems to be the only option..any thoughts on this appreciated. Thanks.
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One of the most educational videos on the net which gives insight on rider vs critical illness stand-alone policy. Thank u for sharing this information.
Thank you, Shefali!
Sir, wow! Simply wow. Thank you from the bottom of my heart for this level of information!
VERY WELL EXPLAINED
MY AGE IS 40 YEARS. MAI TERM INSURANCE AND CRITICAL ILLNESS RIDER ALAG ALAG LENA CHAHTA HO. PLEASE KUCH ALAG ALAG COMPANIES KA COMPARISION ME VIDEO BHI BANAIYE. .AAP K BATANE KA ANDAZ BAHUT ACCHA HAI.
I LIKE IT VERY MUCH.
सर मुझे आपका व्हीडीओ बहुत ही पसंद आया. महत्व पूर्ण जानकारी मिलि. प्लीज सजेस्ट बेस्ट क्रिटीकल इलनेस पॉलिसी.
Thank You very much Sir for your detailed explanation . You have taken up a very important topic which is generally overlooked when purchasing term insurances
Sir, just want to know. What is waiting period for critical illness if we but today.
Behatrin sir ji apka samjhane ka tarika. Bahut jabardast hai sir ji thank you so much sir ji
I have tried to find out all the available information online but your video is GEM. It answers all the questions (y)
Thank u Ashish for watching the video and appreciating my work.
Thank you sir.. please give us more video
Which is best critival policy
HDFC Click2Protect -
Life & CI Rebalance
Under this plan option, Basic Sum Assured chosen by you will be split between Life Cover SA and Critical Illness SA (CI SA) seems to be the one covering both?
Lic ka koi critical insurance plan hai kya
Very good information sir
It clear my doubts.
Ye information to insurance agent kabhi nahi batate.
Which health insurance policy will u suggest which will cover maximum critical illness . And which is good family floater plan
Sir Mera age 28 h also nera health insurance h 10 lakh ki. Medical history nehi h. Kya mujhe critical illness insurance lena sahiye
Which term plan is Best
Pls suggest
ankylosing spondylitis star health policy critical illness Disease Me aata he kya
Thank you. Pls share best CI policy plans with best settlement ratio as per 2023.
Sir, please could you make a video on criti care and accidental disabilty rider of Tata AIA sampoorna Suraksha supreme!
Very well explained. Thank you.
If one has taken critical illness rider in a term plan and also taken critical illness cover. Then on contacting critical illness, does both policies pay??
Thanks 🙏🏻
This video is GOLD. 🪙👏🏽
Sir, your explanation is neat and clean. Really excellent job.
Please suggest stand Alone critical illness policy company name and plan.
I am thinking for Manipal Cigna ?? Is it Good or I should move another.
Bahut acchi jankari hai
Very detailed info which no one else shared on youtube.
48 ki age me term plan le lu kya jo 85 ki age tak cover kare please 🙏 tell
Private company critical illness or government critical illness plan like LIC should I take ?
Life time critical illness polcy ki avashyakta hai । Kaun si company se consult lein.
Thank u sir for education us.
Very Informative
Thanks Sir. Can you please suggest if there is any critical illness plan that pays on minor / early stages of critical illness?
list of standalone critical illness policy providers?
My mother is diagnosed with Rheumatic Heart Disease and had a stroke on sep 2020...can I get any health Insurance or Critical Illness cover
Lic jeevan umang withcritical insurance ke saath lene me kya benigits hai
Nahin.
Thanks🙏
Superb explanation sir😊
Can we take 2 critical illness policy from 2 separate companies as I am planing to take additional amount Term insurance from another company .. do suggest
Future Generali same premium every year.
You are the best sir ji thank you sir
Mere husband ne icici pru iprotect smart term plan le rakha h. Usme accidental rider b hai for 50 years. Means unki 78 years tak. Kya ab usme critical illness rider b add kar sakte h kya? Ya critical illness k lie alag se policy leni chahiye for family?
Excellent video sir!! Please make a video regarding stand alone critical illness pocilies. This will help us a lot. Thank you.
What is the best critical illness plan considering my age as 41
In a very proper way, details has been described. Thanks
Sir meri maa ko 1st stage cancer detect hua hai......koi medical policy nahi hai..... please guide kare me kya karu kaunsi policy lu... hamari financial condition acchi nahi hai
Thank you sir for clearing these doubts. Please make a video on critical illness policies with defined benefits.
Thanks for watching the video and appreciating my work. I'll follow your suggestion.
Very helpful.thanks
Sir plz tell which company critical policy is best....plz make video thanks
I was thinking the exactly same thing. Thanks.
@@pankajmathpal ❤️
Tata
Hi Sir, is there any advantage in taking up CI policy earlier in 20s. Beacause anyways the premium is charged on the basis of the age, so premium has to increase.
Mare wife ki age 39 year hai whoue wife hai kya me apni wife ke liye critical inlles policy 40 lakh sum insured ki buy kar sakta hu kya ye policy log life renuwal ho ge
Thank you sir 👍
Bina income proof keturm plan let sakte hai
Sir,
Please Make A detail video on Aditya Birla Active Secure Critical Illness and Personal Accident Insurance Policy.
Will you please suggest best term insurance
Sir
How is LIC Jeevan Labh with critical illness rider for 25 years
sir i am 75% pwd both lower legs, can i take term insurance plan? is disability rider available with it ?
Wonderful.....sir... please make such videos more....
Which company is batter
Bohut badia video sirji
Very well explained. But I have some counter arguments in favor of the ci rider. As you rightly said in the beginning, critical illness insurance are for income protection. So, if they expire along with the term insurance, why is it a problem?
1. I am retired, no dependents
2. hospital expenses are taken care by health insurance
3. retirement planning is in place hence no income protection needed.
Based on above points, it doesn't make sense paying the huge premiums of stand alone policies over the years.i could invest them and accumulate instead.
Also, I think you are wrong in saying that the premium of stand alone policies is lesser then the ci riders for an early age. I think you are considering premium for term insurance+ci rider
Which are good companies with defined benifit plan for critical illness policy
Sir, Mera Kidney Transplant huaa hai 7 year ho chuke hai meri age 22 hai, meri medicine ke liye kya koi insurance ho sakta hai.. please koi insurance suggest kro sir jo aage ke liye kaam aaye
Super explanation sir
Sir please check the conditions of critical Illness approval .do you suggest any insurance which doesn't have these clever loopholes? And it's honestly wants to give the claim amount?
Sir, if someone smokes once or twice in a month, then is that person is considered as smoker or not? Means should he Menton in insurance detail as smoker or not?
don't hide any details, they look for even a small wrong information to reject a claim.
Lic me crtekalinlls ka opshen hotahe jo kastmerk lane chaiye k nahi sir
or ko ko shi bhimarei cavear kartea ha
Can you review Max Bupa Reassure?
Very nicely explained. These points are not told by insurance companies. Stand alonr is good
Thank you Alankrith Ramesh for watching the video and appreciating my work.
What if the insured person suffers through 2 critical illness in his lifetime at different age ? Will the insurance cover the second time?
Also will critical illness standalone policy will cover expenses if not me but one of my family members suffers through critical illness?
Sir, thank you so much for explaining in such a detail.
बेहतर यह होगा हमें समझने के लिए आप दो से लेकर तीन तक टर्म इंश्योरेंस सेलेक्ट करके उसकी कि क्रिटिकल इलनेस राडार etc बारे में बताइए . मैं अकेला नहीं जहां तक बहुत लोगों को समझ में नहीं आ रहा है कि आप क्या बोल रहे हैं।
Please comment on Aditya Birla critical insurance policy ' Active secure ' which is covering 64 diseases ..thanq sir ...nice presentation
Thanks for the valuable information sir , doing a great work !!!
do you give personal advise and what is the fees
Well Explained 👍
Very detailed Sir, thanks
Thanks for the wonderful explanation
Main point jo hei woh jaldi batana chahiye
very informative and helping video..Thanks a lot sir
Thank you sir for excellent guidance.✍️🙏🙏
मेरी उम्र 50 वर्ष है। मुझे किस कम्पनी का क्रिटिकल इनलेस एलोन प्लान लेना चाहिए। मेरे पास स्टारहैल्थ का प्लान है व tata AIA का टर्म प्लान है।
What would be best standalone critical illness plan??????
Sahi Kaha
Pankaji, pls advise a good term police company for me. Iam 46 yrs, salaried, non smoker, and duration and add-ons for me
Thank you very much Sir for your valuable information
Useful information and Honest review
Explanation is good
Isn't it good to take 80-90yrs Term insurance ? Because at that time 15K-20K charge per year will not be a big deal and even if we die because of old age, Children will get good amount
Last 60 yrs hi hai
Sir, icici ka example ki jagah aegon life I turm plus ka 36 critical illness cover hai. 80 age tak riders hai. Religare health critical policy ka government employees ko kya fayda claim to one time hi milega.
Thank you sir
Hi Sir, if somebody have critical illness insurance plan including heart of 50lac & he paid premium for 15 years. Still Survival period is 1 month minimum. But all of a sudden what is the benefit of buying critical insurance if he or she died on 1st heart'attack only. There was was no time even to meet a doctor & there was no any earlier diagnosis also.
Critical Illness Plan is a kind of health insurance plan.. The objective of Critical Illness plan is to cover medical expenses for the treatment of critical illness and hence this is the reason behind the condition of survival period post diagnosis.
i am 51 year old running school till date i have not taken clerical illness policy i have taken health insurance .suggest me which policy should go for? l
i took 3 LIC policies but rider i have not taken.
I am aged 34 Years. I am getting Tata AIA Term Rider of Critical illness with coverage up to 75 years. It covers 39 critical illness. Also it pays lumsum on diagnosed and survival for 30 days. It doesn't reduced original sum assured when payment is given for critical illness. What do you suggest ?
Very informative video👍👍
Great job
सर , अगर किसी इन्सान को कॅन्सर होने के बादमे मेडिक्लेम पाॅलिसी मिलती है क्या ? अगर है तो प्लिज बताना
Sir are there any plans in critical illness standalone policies which cover family too, if yes please enlighten us and if not please advise any options for the same where family too can be covered under the critical illness umbrella
Make a video on TATA AIA ULLIP surakha supmure +
CA archana ji ne ise achha bataya he
Which company is better to take standalone critical illness policy?i am 55 years old
Great explaination sir. Instead of watching 10 different videos of 5-6 minutes, this 1 video cleared all my doubts. Thank you sir
Sir can i buy critical illnes policy for my 4 yrs son? Pls guide me
Sir thanks for the comparison
Can u pls compare rider premium per. Lac vs stand alone premium per lac age wise ,and no of illness covered, waiting period and renewability etc
Thanks
Stand alone critical plans seem to have a max limit of 10 lakhs. If a higher sum of say 25 lakhs needs to be taken, rider seems to be the only option..any thoughts on this appreciated. Thanks.
Check 1CR policy by aditya birla and religare. Newly launched