आपकी तरह बहुत सुंदर वीडियो, प्रेजेंटेशन बहुत अच्छा था । मुझे से पहले इसके बारे में जानकारी नहीं थी मैं तो सिर्फ एक टर्म इंश्योरेंस प्लान लेना चाह रहा था । परंतु आप के वीडियो से मुझे यह बात पता चली , की टर्म प्लान के साथ साथ क्रिटिकल इलनेस राइडर भी बहुत अच्छा रहता है जो गंभीर बीमारी के समय हमारी आर्थिक सहायता करता है। बहुत-बहुत धन्यवाद। इस महत्वपूर्ण जानकारी के लिए। शुक्रिया। आभार ।
अच्छी जानकारी Term plan और critical illness plan का महत्व साफ साफ बताने के लिए धन्यवाद बड़ा न सही पर अपनी ज़रूरत ह के हिसाब से कोई न कोई प्लान लेना ही चाहिए.. जब हम(लोग) 1साल का गाड़ी का इन्सुरेंस करा सकते है तो खुदका क्यो नही...
Hi mam, just one thing I want to highlight here is that if we have taken CI policy then the premium is going to increase with age and towards 60 years it will be very high but in term plan CI rider it will be same throughout your policy tenure, so isn't it worth?
That's true. I think in ICICI Pru after getting claim of Critical Illness the premium of Critical Illness will get over and afterwards you have to pay premium only for basic Term insurance sum assured.
That's not completely true. In terms & conditions of Critical Illness rider, it's mentioned that Critical Illness premium can be revised after 5/10 Years.
OMG the information that you gave about critical illness rider is usually not told by the company agents. I was not informed that if I take a CI rider then the amount that I'll be paid will be deducted from my sum term plan.. This is such a useful information. Thank you madam.
It is not compulsory that CI rider amount gets deducted from term Sum assured. It depends on policy to policy. Information provided in the video is incomplete. Eg. in icici pru or max life its deducted and is called “Accelerated critical illness” whereas in hdfc life and other its addon over base policy. Plz don’t follow someone blindly. Do ur own research and upgrade ur with correct knowledge. Kudos!
Sahi baath hai If agent won't explain, what we can know? yani we will naturally assume that the sum assured won't be affected. In my case (ICICI) agent promised the Sum assured+ premium benifit will be paid back at the end of policy term if alive. 🤦♂️🤷🏻♀️ Galath bolla!
Ma'am, can u make a review video on different standalone critical illness policies available in market. It will helpful in deciding, which policy to take.
mam, in hdfc life insurance, they didnot deduct from sum insured.., in case if you have taken rider & you are diagnosed with any disease covered under rider.
One important point missed is that critical illness rider's premium will remain mostly constant as age increases. But for critical illness policy, the premium amount significantly shoots up as age increases. Same 10lakhs SI policy at age 50 will have a premium of 42,000 but for the rider it will remain constant at 6.5k even at age 50
Critical illness if taken stand alone would result in increasing of the premium as the age would progress. Isnt taking critical illness as a rider better then ?
Health insurance will provide hospitalization expenses for any disease which requires hospitalization for more than 24 hours...It can be either cashless in network hospitals or through reimbursement of incurred expenses on submission of bills in original...All this will be subject to certain terms and conditions of policy like Room rent limit, Copayment of 5-20 percent, coverage of pre existing disease after 2 or 4 years etc. However Critical illness policy or rider will pay the sum insured on diagnosis itself...You just have to provide proof of occurrence of particular disease covered in Rider or policy...No hospitalization required or bills for treatment required because you will get the sum insured at the beginning itself i.e. On detection of specified critical illness...Hope Your confusion is solved...
Aditi Jee, if both of you are working, then the husband and wife both should take individual term plan. How much should be the cover - depends entirely on your financial contribution in the family. If it is difficult for you to figure out then the thumb rule is - Cover should be 10 times of your annual income. Stay Blessed, B Wealthy.
Mam . You are correct if we are purchasing CI rider along with Term Insurance, Sum Insured of term life gets reduced for the amount of claim in critical illness rider. But there are some companies who provides critical illness sum insured benefit over and above Term Life Sum Insured. I have purchased bajaj allianz term life of 1 crore along with 50 lacs critical illness rider, they told if critical illness benefit claim of 50 lacs is paid then it will not affect term life sum insured of 1 crore, and 1 crore will be paid on demise of person. since you are paying extra premium for critical illness rider so sum insured is also extra from basic term life insurance. One more benefit of buying critical illnesses rider along with term life that critical illness rider premium remains same throughout policy term and if we buy critical illness standalone policy premium keeps changing as per age
Maine Hdfc ka term insurance Liya hain with critical illness aur aap ka yeh wala video dekhne ke baad Maine unse enquiry ke to unho ne clearly bataya critical illness rider agar use hota hain toh uska hamare Term Insurance amount we koi bhi connection nahi hain. Term Insurance ka paisa as it is rahega. 2 alag alag Cheeje hain.
Nice information.. Thanks for share... Pls make video on basic statistics on share market like, PE, face value, upper circuit, Lower circuit,... This is just my suggestion..
Hi Swati ji, Nice video But I have one doubt, that instead of buying critical illness policy separately can we buy Mediclaim topup of higher amount such as 20 Lac which will cover all type of illness. Please Suggest, waiting for your reply 🙏
Swati Ji, suppose if a person dies over a period of time due to critical illness. Will he get the lump sum amount of critical illness as well as term cover amount?
Critical illness diagnose hone par 30 din ke baad critical illness ka cover miltaa hai aur uske baad aage Jaa kar agar policy holder kee maut ho jaatee hai toh term plan ka cover miltaa hai Kshitij Jee. Stay Blessed, Healthy and Wealthy.
My annual income is 6 lakh and my age is 25 so I have decided to take a term insurance of max life of 1 crore, how much critical illness rider should I take? Please reply me 🙏
Mam, I think rider ka sum assured alag hota h term plan k cover se... So in this case, 1 crore mein se nahi katega 10 lakhs. If you have a rider of 10Lakhs with term plan of 1crore, Total cover will be 11000000. Please correct me if i am wrong.
There's no such policy. It comes as a rider with home loan where the loan provider will pay your EMI for 6 months after you loose your job. But this lifeline can be used only once
Ma'am one correction yesterday I was checking Term insurance of different companies but they had mentioned that rider cover will be paid in addition to Term insurance cover....but you are saying rider payment will be done after deducting from total cover
I did some research around Critical illness plans and found the plan by Future Generali Life Insurance excellent w.r.t. no. of diseases covered. It is one of the plans which comprehensively covers 56 illnesses like cancer, heart related and other critical illness Plan name : Health and Heart plan. I discontinued my CI policy with a General Insurance company but availed this policy from Future Generali Life Insurance company. While lately, I figured that unlike other life insurance plans, the premium may increase after 5 years.
Yes but boss even if cost increase slightly later, if you can save considerable money compared to general insurance, in the long run that is good.. hai na!
what is best, Online term policy or through an agent. we are not sure the agent will be in business after a few years to guide our claim. How much I will save if online, I heard 5-6 %. pl make a video on that
Madam, Recently I came across to view your highly informative videos on different issues e.g insurance, income etc. I would like to have your valued opinion about SBI Arogya Plus for low income group.
Basic term plan mein paise wapas nahi miltey Pankaj Jee. Term plan nivesh nahi hai, ye protection hai...agar policy holder ko kuch ho jaaye toh ghar walon ko financial problem na ho, iske liye term plan lete hain. Stay Blessed, B Wealthy
Sir 10 year k Kijija taki financial situation Thik rhe or cover 85 Year k choose krna. Thanks and Regards Rahul Shukla Unit Manager ICICI Prudential 9999063120
Hello, There is query about Critical illness rider benefit That, in the list of critical illness, paralysis is covered with below condition Paralysis : (condition is as under ) Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months. Query: If insured suffered from paralysis (e.g. Hemiplegia I.e. one hand and one leg get paralised), but within 3 month after treatment as well as physiotherapy if he can able to move his leg only but unable to walk properly, then In this case what medical practitioners will say - its a hope of recovery or no hope of recovery ? In this scenario is insured person can eligible to get benefit of critical insurance policy or it will be treated as partly recovered or may be recover in future and will not be eligible for benefit
Hello Swati Mam, I follow you on youtube and your advice always helped me to take better decision. Thanks a lot for your work you are doing. My age is 32. I have one important question. Can you Please help me. I want to take term insurance with critical care rider. From my primary research i have selected TATA AIA for 1 cr cover for 85 years and critical care add on is provided by Future Generali covering 59 critical illnesses. Total Premium /month is 3000 Can you please suggest shall i go for this plan.? Thank you again mam.
Good evening Mam, sabhi se maine utube mein apni audition Dene walon sir and Madam se pooch liya ki kidney ailment par koi health cover hai,un sab ne koi answer nahi diya. Mam jo bhi yearly single premium hoga Dene ko raazi hoon but health company to assurance de ki main aapko cover dunga.
Mam.I am now age of 64 and my wife is about 59. So we have not taken any health insurance.but now are fit and fine .we have not any major illness problem.I would like to know in this age any policy will permitted or cover any health insurance company.
Meri age 38 hai or 2003 main Meri ek kidney nikal di gyi hai abhi single kidney hai to kya mujhe term plan or critical illnes plan mil sakta hai kya or agar haan to Kon sa kis compani ka or kitna please batayen or main abhi 2016 se abraod main job Kar rha hun
Good video as always mam...ab theere theere stock market k uper bhi video banana shuru kijiye.... Aap se Mutual funds seekhne k baad ab stock market bhi seekhne chahta hoon 🙏
आपकी तरह बहुत सुंदर वीडियो, प्रेजेंटेशन बहुत अच्छा था । मुझे से पहले इसके बारे में जानकारी नहीं थी मैं तो सिर्फ एक टर्म इंश्योरेंस प्लान लेना चाह रहा था । परंतु आप के वीडियो से मुझे यह बात पता चली , की टर्म प्लान के साथ साथ क्रिटिकल इलनेस राइडर भी बहुत अच्छा रहता है जो गंभीर बीमारी के समय हमारी आर्थिक सहायता करता है। बहुत-बहुत धन्यवाद। इस महत्वपूर्ण जानकारी के लिए। शुक्रिया। आभार ।
अच्छी जानकारी
Term plan और critical illness plan का महत्व साफ साफ बताने के लिए
धन्यवाद
बड़ा न सही पर अपनी ज़रूरत ह
के हिसाब से कोई न कोई प्लान लेना ही चाहिए.. जब हम(लोग) 1साल का गाड़ी का इन्सुरेंस करा सकते है तो खुदका क्यो नही...
Very well elaborated. Nice information. This is what always I was getting confused for selecting CI cover. But you have explained nicely 👍
Nice voice... 👍✔️
एक बार फिर से बहुत ही सुंदर और अच्छी जानकारी देने के लिए आपका बहुत बहुत हदय से आभार # B Wealthy
Hi mam, just one thing I want to highlight here is that if we have taken CI policy then the premium is going to increase with age and towards 60 years it will be very high but in term plan CI rider it will be same throughout your policy tenure, so isn't it worth?
Very analytical, Swati ji, yeh mera bhi sawaal tha ! 😊😊
Thank u madam!! Very useful information. God bless u.
आप सबसे बड़ा फर्क बताना तो भूल गए इस Rider में
टर्म प्लान में premium बढ़ता नही है और जनरल हेल्थ वाली कंपनी premium age के साथ साथ बढ़ाती जाती है
That's true. I think in ICICI Pru after getting claim of Critical Illness the premium of Critical Illness will get over and afterwards you have to pay premium only for basic Term insurance sum assured.
Could u explain that with some video
@@atuljadhav9473 she told for HDFC Critical rider it'll be like that, So even ICIC also it will be like that only. This video has mistakes then.
ji aap sahi kah rahe hain..Swati ji shayad ye chiz miss kar gai.
That's not completely true. In terms & conditions of Critical Illness rider, it's mentioned that Critical Illness premium can be revised after 5/10 Years.
Mam konsa achha rahega
Hdfc click 2 protect ya 3D plan
I m confused
Please ans me
OMG the information that you gave about critical illness rider is usually not told by the company agents. I was not informed that if I take a CI rider then the amount that I'll be paid will be deducted from my sum term plan.. This is such a useful information. Thank you madam.
It is not compulsory that CI rider amount gets deducted from term Sum assured. It depends on policy to policy. Information provided in the video is incomplete.
Eg. in icici pru or max life its deducted and is called “Accelerated critical illness” whereas in hdfc life and other its addon over base policy.
Plz don’t follow someone blindly. Do ur own research and upgrade ur with correct knowledge.
Kudos!
Sahi baath hai If agent won't explain, what we can know? yani we will naturally assume that the sum assured won't be affected. In my case (ICICI) agent promised the Sum assured+ premium benifit will be paid back at the end of policy term if alive. 🤦♂️🤷🏻♀️ Galath bolla!
What should be the minimum amount we should spend for critical illness and for disability cover.??please suggest from a middle class point of view..
Very well explained. It'll help more people if you also make videos in English
Ma'am, can u make a review video on different standalone critical illness policies available in market. It will helpful in deciding, which policy to take.
Star health, care health, Signa Ttk,Aditya Birla, Apollo Munich, ICICI Lombardment, Oriental, New India United etc kiske pass jakar poochun?
You are always my fav..provides authentic information.
Ma'm i watch your videos at 1.5x speed 😛. Anyways thanks. Good video
बहुत सुन्दर तरीका का मैम का समझाने का जय हो मैम आपकी भला हो आम जनता का
mam, in hdfc life insurance, they didnot deduct from sum insured.., in case if you have taken rider & you are diagnosed with any disease covered under rider.
One important point missed is that critical illness rider's premium will remain mostly constant as age increases. But for critical illness policy, the premium amount significantly shoots up as age increases. Same 10lakhs SI policy at age 50 will have a premium of 42,000 but for the rider it will remain constant at 6.5k even at age 50
This is not true. The price of critical illness rider remains constant only till the guarantee period mentioned by the Insurer
Critical illness if taken stand alone would result in increasing of the premium as the age would progress. Isnt taking critical illness as a rider better then ?
Really very informative video you made for us. I didn't know about this fact of rider. Keep it up ma'am. Good bless you.
Fantastic. In dept info in simple manner with example. Good going. Keep it up👍
मैम यदि किसी को क्रिस्टिकल इलनेस हो तो क्या वो भी टर्म्स इन्शुरन्स ले सकता है( pitutri adenomas )
Nice explanation ....run this video at 1.75x...
Thank you very much mam for providing information about Critical illness rider.
बहुत शुक्रिया विडियो देखने के लिए आदित्य जी। Stay Blessed, Healthy & B Wealthy
Hello sir, I'm professional trained and certified advisor. please share your contact details i'll help you to know more about insurance plan. Thanks 👍
How is Max life income protector plan?
Madam term plan lena hai kaunsa lena chahiye
Pls call 9892128852
Most Knowledgeable Information
धन्यवाद
Bahot shukriya Umesh jee, Video dekhne ke liye. Stay blessed B Wealthy
@@BWealthy Reply देने के लिए धन्यवाद
Mam pls campare with aegon life I turm plus Instead of ICICI critical illness rider.
Now i am confuse with health insurance and critical illness. Can you please explain???
Health insurance will provide hospitalization expenses for any disease which requires hospitalization for more than 24 hours...It can be either cashless in network hospitals or through reimbursement of incurred expenses on submission of bills in original...All this will be subject to certain terms and conditions of policy like Room rent limit, Copayment of 5-20 percent, coverage of pre existing disease after 2 or 4 years etc. However Critical illness policy or rider will pay the sum insured on diagnosis itself...You just have to provide proof of occurrence of particular disease covered in Rider or policy...No hospitalization required or bills for treatment required because you will get the sum insured at the beginning itself i.e. On detection of specified critical illness...Hope Your confusion is solved...
Single primium me critical illness Ka kon SA policy ata Hain madam
Very important topic pick kiya h man thanks for sharing such knowledge. Keep it up 🎆🎊😍
Thank you so much
@@BWealthy Welcone mam 💖
Mam do not you think so critical illness standalone policy is expensive????
Term and critical illness rider both benefit policy
please suggest cheapest which company available Today?
Medam aapka samjhane ka tarika bahut achha hai 👍
Madam term insurance jinko hypertension ya koi health comorbities hai to kounsi company ka insurance approach kare
Please advise can we take accidental rider?
Can we take 2 term policies???
Can husband and wife both take term insurance jointly ?
There is one plan available ( I am forgetting the name ) but I feel Aditi jee, it's better to go with individual plan. Stay Blessed, B Wealthy.
@@BWealthy you mean to say 30 lac + 30 lac individually ?
Aditi Jee, if both of you are working, then the husband and wife both should take individual term plan. How much should be the cover - depends entirely on your financial contribution in the family. If it is difficult for you to figure out then the thumb rule is - Cover should be 10 times of your annual income. Stay Blessed, B Wealthy.
@@BWealthy Thanks Swati ji
Edelweiss tokio zindagi plus gives
बहुत he achi जानकारी स्वाति जी😊😊😊😊🥇🥇🥇🏆🏆🏆🏆🏆🏆👌🏼👌🏼👌🏼👌🏼🇮🇳🇮🇳🇮🇳🇮🇳🙏🙏🙏🙏
Nice information, plz make video on gold investment now
Good morning mam kya meri madam ka term insurance ho sakhta hai he is housewife
Mam . You are correct if we are purchasing CI rider along with Term Insurance, Sum Insured of term life gets reduced for the amount of claim in critical illness rider. But there are some companies who provides critical illness sum insured benefit over and above Term Life Sum Insured.
I have purchased bajaj allianz term life of 1 crore along with 50 lacs critical illness rider, they told if critical illness benefit claim of 50 lacs is paid then it will not affect term life sum insured of 1 crore, and 1 crore will be paid on demise of person. since you are paying extra premium for critical illness rider so sum insured is also extra from basic term life insurance.
One more benefit of buying critical illnesses rider along with term life that critical illness rider premium remains same throughout policy term and if we buy critical illness standalone policy premium keeps changing as per age
Mam icici pru me bhi primuim wave off hota hai condition due to disblitty
Mam I want to know that the premiums of critical riders is increased with age grid or it’s fixed for whole tenure
Which is the best insurance endowment plan ?
Hi Mam can you help for icici produ gift long term is good or bad
Difference Between terminal illness and critical illness.plz also explain which rider is better to take.
Claim settlement ratio , ka khayal rakhna chahiye ki nahi? jab insurance policy le tab !!
Zaroor rakhna chahiye ..is par toh humne kuch videos bhi banaye hain. Stay Blessed B Wealthy
Mera age 29year h mujhe 1.5cr ka plan Lena h or critical illness bhi Lena h Kon sa best hoga
What happens if I want to buy a stand-alone policy for CI & Rider with the term plan. can I make claim under both?
Please suggest me best term insurance?
aap bahut khoobsurat hain ,apke explaination ka tarika really bahut acha hai ............good video
M 44 now which health pokicy best mam
Maine Hdfc ka term insurance Liya hain with critical illness aur aap ka yeh wala video dekhne ke baad Maine unse enquiry ke to unho ne clearly bataya critical illness rider agar use hota hain toh uska hamare Term Insurance amount we koi bhi connection nahi hain. Term Insurance ka paisa as it is rahega. 2 alag alag Cheeje hain.
Nice information.. Thanks for share...
Pls make video on basic statistics on share market like, PE, face value, upper circuit, Lower circuit,... This is just my suggestion..
Term plan me yearly ya monthly premium bharna chahiy???
Mam at minute 8.30 I think it's not right..rider some assured is independent and it do not affect the original sum asured.
Please suggest best health insurance company
Hi Swati ji,
Nice video
But I have one doubt, that instead of buying critical illness policy separately can we buy Mediclaim topup of higher amount such as 20 Lac which will cover all type of illness.
Please Suggest, waiting for your reply 🙏
40 critical illnesses
Underrated Gem- Swati Mam
Swati Ji, suppose if a person dies over a period of time due to critical illness. Will he get the lump sum amount of critical illness as well as term cover amount?
Critical illness diagnose hone par 30 din ke baad critical illness ka cover miltaa hai aur uske baad aage Jaa kar agar policy holder kee maut ho jaatee hai toh term plan ka cover miltaa hai Kshitij Jee. Stay Blessed, Healthy and Wealthy.
Good video!
Just a suggestion can you be a little slow, simple and have repetition, so that we don't need to watch it second time!
Thanks!
My annual income is 6 lakh and my age is 25 so I have decided to take a term insurance of max life of 1 crore, how much critical illness rider should I take? Please reply me 🙏
Mam c. i. r. Kese claim krte hai. Lic jeevan anand me kaun kaun se rider available hai.
Mam, I think rider ka sum assured alag hota h term plan k cover se... So in this case, 1 crore mein se nahi katega 10 lakhs. If you have a rider of 10Lakhs with term plan of 1crore, Total cover will be 11000000. Please correct me if i am wrong.
acceidental benefit rider attach karna chaiye ke nahi aur kitne
Very useful information mam. Thank you so much. May God bless you with lots of success and happiness in your life. Stay healthy and keep Smiling.
Term plan kitane samay (age) tak lena chahiye?
Mam you tell which company is good for term insurance?
Kya term insurance me family ko cover/protection milega
Thanks mam, hdfc click 2 protect plan ke sath CILL rider lene se kea primum wave hota he ya nehi??
Medical insurance Kay sat critical illness. plan (add on or rider) layna chahiy?
Please help.
Please reply
Critical inless + Term policy best kon sa hai mam
Can you pls inform which term policy insurance covers unemployment (loss of job) also?
There's no such policy. It comes as a rider with home loan where the loan provider will pay your EMI for 6 months after you loose your job. But this lifeline can be used only once
Ma'am one correction yesterday I was checking Term insurance of different companies but they had mentioned that rider cover will be paid in addition to Term insurance cover....but you are saying rider payment will be done after deducting from total cover
Different companies, diff policies
I did some research around Critical illness plans and found the plan by Future Generali Life Insurance excellent w.r.t. no. of diseases covered. It is one of the plans which comprehensively covers 56 illnesses like cancer, heart related and other critical illness
Plan name : Health and Heart plan.
I discontinued my CI policy with a General Insurance company but availed this policy from Future Generali Life Insurance company.
While lately, I figured that unlike other life insurance plans, the premium may increase after 5 years.
Yes but boss even if cost increase slightly later, if you can save considerable money compared to general insurance, in the long run that is good.. hai na!
Madam pls?
How much personal accidental rider i can buy?
My monthly income is1.25 lakh.
what is best, Online term policy or through an agent. we are not sure the agent will be in business after a few years to guide our claim. How much I will save if online, I heard 5-6 %. pl make a video on that
32000/month kamane wale Ko kitni ki term plan aur kitni company se Leni chahiye.
Minimum 75 Lakh. Now, All Depends on your EMI(If you have any Include that too).
Can i buy a term plan for my housewife mom?
Madam, Recently I came across to view your highly informative videos on different issues e.g insurance, income etc. I would like to have your valued opinion about SBI Arogya Plus for low income group.
plz make a video about term return of premium (TROP)
Cancer and bp are more common ,if I go for icic Pru. Cancer and bp policy will that be ok, age 36
जवाब मिल गया mam... Thanks 🙏🙂
Mam critical ilness ke kesh me apne bataya main cover se minas hojayega but accidental rider ke case me bhi kya hoga
Madam mein na 50 Saal Ka cover liye term khatam Hona par kya mujhe maturity par pause vaapas Melinga kya
Basic term plan mein paise wapas nahi miltey Pankaj Jee. Term plan nivesh nahi hai, ye protection hai...agar policy holder ko kuch ho jaaye toh ghar walon ko financial problem na ho, iske liye term plan lete hain. Stay Blessed, B Wealthy
@@BWealthy please give mail id or contact details for query. Kindly please also tell about non convertible debentures how to invest in it
Mam health insurance policy le Rakhi hai agr critical illness bhi le to same dises k liye clame kis mai Karna hoga
Term insurance mein payment plan 5,10,...30, maximum kaun sa theek rahega financial angle see. Kripya batain.
Vimal Jee, jo aapko comfortable lage. Isme financial angle se dekhne kee zaroorat nahi lagtee hai humein. Stay Blessed, B Wealthy
Sir 10 year k Kijija taki financial situation Thik rhe or cover 85 Year k choose krna.
Thanks and Regards
Rahul Shukla
Unit Manager
ICICI Prudential 9999063120
Hello,
There is query about Critical illness rider benefit
That, in the list of critical illness, paralysis is covered with below condition
Paralysis : (condition is as under )
Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord.
A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months.
Query:
If insured suffered from paralysis (e.g. Hemiplegia I.e. one hand and one leg get paralised), but within 3 month after treatment as well as physiotherapy if he can able to move his leg only but unable to walk properly, then In this case what medical practitioners will say - its a hope of recovery or no hope of recovery ?
In this scenario is insured person can eligible to get benefit of critical insurance policy or it will be treated as partly recovered or may be recover in future and will not be eligible for benefit
which company providing only critical illness policy?
Hello Swati Mam,
I follow you on youtube and your advice always helped me to take better decision. Thanks a lot for your work you are doing.
My age is 32.
I have one important question. Can you Please help me.
I want to take term insurance with critical care rider.
From my primary research i have selected TATA AIA for 1 cr cover for 85 years and critical care add on is provided by Future Generali covering 59 critical illnesses.
Total Premium /month is 3000
Can you please suggest shall i go for this plan.?
Thank you again mam.
Reduce policy term from 85 age to 65 or max 70 years of age, as policy is not required after that, and your premium will also reduce.
I'm also considering Tata AIA ...also 85 is too much
Good evening Mam, sabhi se maine utube mein apni audition Dene walon sir and Madam se pooch liya ki kidney ailment par koi health cover hai,un sab ne koi answer nahi diya.
Mam jo bhi yearly single premium hoga Dene ko raazi hoon but health company to assurance de ki main aapko cover dunga.
हर बार की तरह शानदार विडीयो जानकारी से भरा
Mam.I am now age of 64 and my wife is about 59. So we have not taken any health insurance.but now are fit and fine .we have not any major illness problem.I would like to know in this age any policy will permitted or cover any health insurance company.
Meri age 38 hai or 2003 main Meri ek kidney nikal di gyi hai abhi single kidney hai to kya mujhe term plan or critical illnes plan mil sakta hai kya or agar haan to Kon sa kis compani ka or kitna please batayen or main abhi 2016 se abraod main job Kar rha hun
Tell me about star health insurance
Aap mere questions ka sahi jawab dengi?
Hi Swati,
One feedback or rather compliment for you - You are a Beauty with Brain.
Keep it up. Great Going.
Vineet Bajaj
Good video as always mam...ab theere theere stock market k uper bhi video banana shuru kijiye.... Aap se Mutual funds seekhne k baad ab stock market bhi seekhne chahta hoon 🙏
Zaroor Ankit Jee. Stay Blessed B Wealthy