@useful.information.boosan - your video is perfrectly fine, but you missed to cover - SUPER TOPUP plan. It is must (considering medical inflation) along with base plan with low monthly premium and high benefit when base plan ran out of its total limit and need to pay more.
Recently watching your videos. Selecting very useful topics which is what is need of the hour. Your presentation is very good. Covering all the valid points in all important topics. Very useful. U r boon for tamil known people. Good clarity, good knowledge in choosen subjects. Good presentation. Useful topics & content. Hatsoff to u. Good social service. God bless♥️♥️♥️
Vera level taliva! Ema periya matter-a evalavu suriki solitaru. 0:13 - Why health insurance is needed? 1:42 - How to decide the coverage amount? (Check the hospital menu in your town) 2:44 - Individual vs Family Floater Plan (Floater has less premium) 3:45 - Combining similar age group and Tax benefits 4:33 - Example in Policy Bazaar 4:53 - When to take a health insurance? (We are already late) 5:46 - Corporate Policy vs Person Policy (Really on yourself) 7:13 - How to select a policy? (Important points) 7:17 - 1) Cash-less claim and Network Hospital 8:49 - 2) Co-Payment (Stay away) 9:17 - 3) Room rent limit (take limitless) 10:21 - 4) Waiting period (less waiting period) 11:15 - 5) Permanent Exclusions 11:53 - 6) Restoration of Coverage 12:16 - 7) Pre and Post - Hospitalization Care 12:27 - 8) Daycare treatments 12:52 - Live Demo
please clarify below point - Relying on Corporate Cover - If we having two Health Insurance one from Office Corporate account and another one Individual health insurance can able to claim both at the time ex. 4L means - 2L/2L
Hahaha I wish. Let’s say treatment cost is 1 lakh you can’t get 1 lakh from each. However if the treatment cost is 3 Lakhs, you can get 2 Lakhs from One and another lakh from another insurer. This was my last experience please check with the company before taking the policy.
Hello Boosan Sir..I have query regarding navi nifty50 index tax saver.. which has very less expense ratio of 0.1% where I have a doubt because of less expense ratio this will not perform well or it will..?? I have 2 points to discuss with you please help me out with more clarity on the elss fund.. Point 1 - Wat is the procedure to cancel elss inbetween..?? If yes wat will be the charges..!! If not possible then point 2..! Point 2 - For the next year should I continue investing on the same navi nifty50 index tax saver or else should I choose other elss than this like as IIFL nifty50 index tax saver Expecting your reply on this will be very helpful for me..Thanks in advance
I come to know so many new facilities in health insurance policy from your video. Thank you so much. This video is very much useful to take health insurance policy which is best in this situation.
Niva Bupa ReAssure doesn’t have enough coverage for robotic surgeries. Care Supreme with few additional add-ons can give you much better benefits. I couldn’t see that in your comparison. And, claim settlement ratio of STAR is too poor. My suggestion is not to consider STAR and opt for Hdfc ergo/ Care.
Reimbursement Health insurance policy entha company providing bro? Admission at any hospital and submission of medicals bills and getting Reimbursement
Hello Boosan, Good Explanation,. Incase if i forgot to pay one month payment, then the insurance will get expired? and do i need to take new insurance?
Just now subscribed your channel why because your informations were very clear and straightforward in addition to it is very useful .. thank you for sharing such informative contents… Good luck 🤞
i been watching so many videos of yours recently. very very clear way of explanation. thanks. But you're explaining everything very clearly about health insurance and term insurance, why shouldn't you suggest one which you would've taken after proper research ?
கண்ணா சூப்பர் நீங்க சொல்றதெல்லாம் சரியாக தோன்றினாலும் குழப்பங்கள் உள்ளன அதனால் நீங்களே எந்த கம்பெனி இன்சோர்ஸ் எடுக்கலாம் என்பதை தெரிவித்து விட்டால் நன்றாக இருக்கும்
in case of pre existing illness. During the waiting period of first 2-3years can i have a minimum cover and then after two to three years can i change to an higher cover value?
@Useful.Information.Boosan - This is best information video for their loved ones.I have 1 question.I had two surgeries 12years ago for tumor removal.i am healthy now.if i get same problem again to remove tumor.will insurance get covered?or they will ignore it.this doubt stopping me not to take insurance for past few years.please advise bro.
what is the profit for insurance company ? , if they go and invest our money in share market, why i can't do it like insurance company. I don’t know what they do ?
For How many years the health insurance is valid or the premium to be paid? After some waiting period like 4 years for critical illness what would be the premium? any deduction? pls explain bro
Hi brother, first I have to thank you for sharing your knowledge, great experience for me from your videos, keep doing videos and my support to you always ❤.. I have a doubt, I'm planning to take a term insurance for 2 crore in TATA AIA, my question is whether to go directly with HDFC Tata AIA team or policy bazaar team? and I'm a 10+ years account holder in HDFC Bank, all my salary account, Home lone account, credit card are with HDFC only, in your experience with whom to take my policy? What is the advantage and disadvantage? Please suggest. Thanks in advance.
Sir, is it possible for NRI to have a health insurance in india and if possible, can you suggest best plans and insurance providers please. Thanks in advance, regards
@@vivekbhaskaran1746 Give me your Details... I'll suggest the best.. Bcoz ellarukume Ella Insurance um suitable ah irukathu... Age and Health Condition base pani than Best Suggest pana mudium
Hi Boosan, can you detail about diff b/w migration & portability in upcoming videos? Take an example that current policy waiting period for Specific disease is 3 years. Assume that now i have compleyted 2 years from the Policy start date. Now In End of Secod year(or) before Start of third year, I am seeking to change the my existing Policy into the policy which is having 2 years waiting period for specific disease. If I want to opt for the Policy with Same insurer(Migration) Or Different insurer(Portability) with Policy containing 2 years of waiting period, In that case whether I am eligible for to Migrate/Portable my policy that I want? Bcoz in this scenario I have completed 2 years waiting period for specific disease in my 1st policy. As per 2nd Policy, I have completed the 2 years waiting period. So in that case I can get the hospital treatment in starting of the third year itself for those specific diseases inspite of waiting entire 3 years of completion in my 1st policy. Am I make sense here?, Seeking your opinion
1. If the specific disease was declared as a pre-existing condition (PED) before taking your first policy, and your current insurer accepted it, you've already served 2 out of the required 3 years. Switching to a new insurer with a 2-year waiting period for the same condition would mean your waiting period is waived. 2. If the condition wasn't declared initially, despite being known, your new insurer won't consider the 2 years you've already covered. You'll face a fresh waiting period of 3 years. 3. If the condition developed after buying the policy, you can seek treatment from your current insurer. In general, it's not advisable to switch (port or migrate) with an existing condition unless you're willing to start a fresh waiting period. Evaluate the benefits and consider the new insurer's offerings before making a decision.
@@arun_velu So If I completed 3 years waiting period in my existing policy & the New Policy which i am going to buy is also have the same 3 years waiting period for the PreExisting Disease will dont have the waiting period right. The new Policy starts all the coverages from the day 1? Please clarify
@@thamaraikannan4957 Yes, the new policy should start coverage from day 1 even for Pre Existing Diseases provided your condition was declared in your current policy as PED.
Hii bro neega sonna mathiri benifit ulla health Insurance pathi paathen bro niva health Insurance solluraka Rafer panraka bro so health insurance puthucha iruku so atha nampalama yenaku douet iruku so yentha mathiri health insurance nampalam itha pathi oru video poduka bro pls.... 🙏🏻
Right Now I dont have any health insurance but Within this month I need to do one surgery. If I apply Health insurance now can I able to claim with that insurance policy ?.
Bro, we will buy the HDFC Optima Secure Family Floter plan. premium of $39,000, sum insured for 10L. I have doubts about whether the 10L is for each family or the total family.
Dear sir , thanks & congratulations fory your great efforts, I heard Niva Bupa insurance has 10 lakh insured family insured person after hospitalized paid 7Lakh bill by the insurance, remaining will be added with reassure 10+3 lakh the same year if this bill paid 12 lakhs, again getting assured , 10-1=9lakhs, ( getting 3 times coverage in same year if hospitalaized
Check Health Insurance online & get discount up to 25%👇
tinyurl.com/287fbv3x
@useful.information.boosan - your video is perfrectly fine, but you missed to cover - SUPER TOPUP plan. It is must (considering medical inflation) along with base plan with low monthly premium and high benefit when base plan ran out of its total limit and need to pay more.
Recently watching your videos. Selecting very useful topics which is what is need of the hour. Your presentation is very good. Covering all the valid points in all important topics. Very useful. U r boon for tamil known people. Good clarity, good knowledge in choosen subjects. Good presentation. Useful topics & content. Hatsoff to u. Good social service. God bless♥️♥️♥️
Really helpful about health insurance
Where we can find the checklist sir.
25% Discount kaga Online la buy panuna..Then Who will support in our Claim Situation..
Vera level taliva! Ema periya matter-a evalavu suriki solitaru.
0:13 - Why health insurance is needed?
1:42 - How to decide the coverage amount? (Check the hospital menu in your town)
2:44 - Individual vs Family Floater Plan (Floater has less premium)
3:45 - Combining similar age group and Tax benefits
4:33 - Example in Policy Bazaar
4:53 - When to take a health insurance? (We are already late)
5:46 - Corporate Policy vs Person Policy (Really on yourself)
7:13 - How to select a policy? (Important points)
7:17 - 1) Cash-less claim and Network Hospital
8:49 - 2) Co-Payment (Stay away)
9:17 - 3) Room rent limit (take limitless)
10:21 - 4) Waiting period (less waiting period)
11:15 - 5) Permanent Exclusions
11:53 - 6) Restoration of Coverage
12:16 - 7) Pre and Post - Hospitalization Care
12:27 - 8) Daycare treatments
12:52 - Live Demo
ஒரு பாதுகாப்பு வாழ்க்கையையே ,ஒரு வீடியோவை சொல்லிட்டிங்க really great 🎉
Thinking of getting health policy for the past one month. Right time to enlighten many like me. Good job.
Very good info on importance of Health insurance. You articulated it well and clarified common queries. Good job. 👍
Bro how did you developed your financial knowledge. Can you please make a video of that journey from your scratch to the stage you are now... Please
please clarify below point -
Relying on Corporate Cover - If we having two Health Insurance one from Office Corporate account and another one Individual health insurance can able to claim both at the time ex. 4L means - 2L/2L
Hahaha I wish. Let’s say treatment cost is 1 lakh you can’t get 1 lakh from each. However if the treatment cost is 3 Lakhs, you can get 2 Lakhs from
One and another lakh from another insurer. This was my last experience please check with the company before taking the policy.
Anna i came across your channel today... Really informative and helpful. THANKYOU so much Na.. love your presentation too ❤
Clear explanation to choose the health insurance for beginners. Thanks for sharing the checklist document.
Super brother . மிக தெளிவான விளக்கம்
Hello Boosan Sir..I have query regarding navi nifty50 index tax saver.. which has very less expense ratio of 0.1% where I have a doubt because of less expense ratio this will not perform well or it will..??
I have 2 points to discuss with you please help me out with more clarity on the elss fund..
Point 1 - Wat is the procedure to cancel elss inbetween..?? If yes wat will be the charges..!! If not possible then point 2..!
Point 2 - For the next year should I continue investing on the same navi nifty50 index tax saver or else should I choose other elss than this like as IIFL nifty50 index tax saver
Expecting your reply on this will be very helpful for me..Thanks in advance
I come to know so many new facilities in health insurance policy from your video. Thank you so much. This video is very much useful to take health insurance policy which is best in this situation.
Your way of explaining is neat and simple good job 🤝
Best youtuber in Tamil ❤
Niva Bupa ReAssure doesn’t have enough coverage for robotic surgeries. Care Supreme with few additional add-ons can give you much better benefits. I couldn’t see that in your comparison. And, claim settlement ratio of STAR is too poor. My suggestion is not to consider STAR and opt for Hdfc ergo/ Care.
Reimbursement Health insurance policy entha company providing bro? Admission at any hospital and submission of medicals bills and getting Reimbursement
clarity 200% 👍
Hello Boosan, Good Explanation,. Incase if i forgot to pay one month payment, then the insurance will get expired? and do i need to take new insurance?
Bro i think you are the only youtuber who teach us the best knowledge of money and handling ❤❤ keep feeding us bro👍👍🗿
Worth information bro. I have many doubts and now I'm good to do a health insurance. All the best bro. Keep rocking 🎸🎶🎶
hi, good information to current generation, were essential to adhere this information.
Thanks bro. Please advise whether the renewal premium will change/increase every year ?
Just now subscribed your channel why because your informations were very clear and straightforward in addition to it is very useful .. thank you for sharing such informative contents… Good luck 🤞
Hi Boosan useful information can you elaborate on criticall illness also along with health insurance
i been watching so many videos of yours recently. very very clear way of explanation. thanks.
But you're explaining everything very clearly about health insurance and term insurance, why shouldn't you suggest one which you would've taken after proper research ?
Very useful video . Lots of my doubts on health insurance got clarified. Thank you so much
Super bro.. தெளிவான விளக்கம்.. Keep it up bro..
Best explanation. Hope Many people will get knowledged n benefited.
Thanked. Ella thrituthanum puutuu vaikera
Come to Villupuram GH it is better than apollo Chennai
Super 🎉🎉🎉 ,
your financial advice its very use full for me bro, excellent 🎉🎉🎉
கண்ணா சூப்பர் நீங்க சொல்றதெல்லாம் சரியாக தோன்றினாலும் குழப்பங்கள் உள்ளன அதனால் நீங்களே எந்த கம்பெனி இன்சோர்ஸ் எடுக்கலாம் என்பதை தெரிவித்து விட்டால் நன்றாக இருக்கும்
fantastic bro for simplification. very easy to understand.
Thank you for the information bro. Helpful for choosing the best health insurance.
in case of pre existing illness. During the waiting period of first 2-3years can i have a minimum cover and then after two to three years can i change to an higher cover value?
You are a Life Saver!
Thank you for your useful information
Really a useful video with enough information. Thank you
Perfect Detail explanation, wish you more success Boosan bro.
Your content is always awesome. Thanks for sharing wonderful insight about taking health insurance. ❤
@Useful.Information.Boosan - This is best information video for their loved ones.I have 1 question.I had two surgeries 12years ago for tumor removal.i am healthy now.if i get same problem again to remove tumor.will insurance get covered?or they will ignore it.this doubt stopping me not to take insurance for past few years.please advise bro.
Big fan of your work. Please make your journey in finance video
Hi bro. Whether it is safe to buy term and health insurance for policy baazaar. Is there any disadvantages on policy baazaar. Please reply on this bro
what is the profit for insurance company ? , if they go and invest our money in share market, why i can't do it like insurance company.
I don’t know what they do ?
For How many years the health insurance is valid or the premium to be paid?
After some waiting period like 4 years for critical illness what would be the premium? any deduction?
pls explain bro
@@sundarakumar5698 One year ..
Anna What's the need of portability?
I would have done all the research before I take an insurance, why would I be choosing a different later?
Thanks for the explanation bro. One doubt, if i’m staying in Chennai and my parents are in other state. I need to choose different policies?
மிக்க நன்றி அருமையான விழியம்
Clarity of finance = booshan na ♥️👏
Very Good explanation, covered everything. Thank you !
Very useful and informative, thanks bro..
Thanks Boosan! This was really helpful! Cheers.
I am big fan of your contents bro my finance mentor 🤩
Thanks bro very detailed video 🙏🙏🙏🙏
Hi brother, first I have to thank you for sharing your knowledge, great experience for me from your videos, keep doing videos and my support to you always ❤.. I have a doubt, I'm planning to take a term insurance for 2 crore in TATA AIA, my question is whether to go directly with HDFC Tata AIA team or policy bazaar team? and I'm a 10+ years account holder in HDFC Bank, all my salary account, Home lone account, credit card are with HDFC only, in your experience with whom to take my policy? What is the advantage and disadvantage? Please suggest. Thanks in advance.
I'm working in Tata aia insurance
Advisor if want details reply me
@@sivakumar-su1jyi want brother
Thanks for providing the vital information... Very much useful...
Sir, is it possible for NRI to have a health insurance in india and if possible, can you suggest best plans and insurance providers please. Thanks in advance, regards
Yes available
Thanks and can you pls suggest few plans and companies
@@vivekbhaskaran1746 Give me your Details... I'll suggest the best..
Bcoz ellarukume Ella Insurance um suitable ah irukathu... Age and Health Condition base pani than Best Suggest pana mudium
It's a very detailed and informative video bro. Subscribed ;)
Very useful bro thank you 🙏🏻
Super crystal clear explanation 🎉
Which is best taking term insurance in direct online website or policy bazaar ?❤
Brother pls be open and tell.. what's your opinion about HDFC optima secure ?????
Hi Boosan, can you detail about diff b/w migration & portability in upcoming videos?
Take an example that current policy waiting period for Specific disease is 3 years. Assume that now i have compleyted 2 years from the Policy start date.
Now In End of Secod year(or) before Start of third year, I am seeking to change the my existing Policy into the policy which is having 2 years waiting period for specific disease.
If I want to opt for the Policy with Same insurer(Migration) Or Different insurer(Portability) with Policy containing 2 years of waiting period, In that case whether I am eligible for to Migrate/Portable my policy that I want?
Bcoz in this scenario I have completed 2 years waiting period for specific disease in my 1st policy. As per 2nd Policy, I have completed the 2 years waiting period.
So in that case I can get the hospital treatment in starting of the third year itself for those specific diseases inspite of waiting entire 3 years of completion in my 1st policy.
Am I make sense here?, Seeking your opinion
1. If the specific disease was declared as a pre-existing condition (PED) before taking your first policy, and your current insurer accepted it, you've already served 2 out of the required 3 years. Switching to a new insurer with a 2-year waiting period for the same condition would mean your waiting period is waived.
2. If the condition wasn't declared initially, despite being known, your new insurer won't consider the 2 years you've already covered. You'll face a fresh waiting period of 3 years.
3. If the condition developed after buying the policy, you can seek treatment from your current insurer.
In general, it's not advisable to switch (port or migrate) with an existing condition unless you're willing to start a fresh waiting period. Evaluate the benefits and consider the new insurer's offerings before making a decision.
@@arun_velu So If I completed 3 years waiting period in my existing policy & the New Policy which i am going to buy is also have the same 3 years waiting period for the PreExisting Disease will dont have the waiting period right. The new Policy starts all the coverages from the day 1? Please clarify
@@thamaraikannan4957 Yes, the new policy should start coverage from day 1 even for Pre Existing Diseases provided your condition was declared in your current policy as PED.
@@arun_velu Thanks for the clarification
@@arun_velu Do you have any idea about which insurance is best in Allrounder ame covers maximum benefit. Am just confused
Thank you for this wonderful video. Lot of valid informations🎉🎉🎉
Hii bro neega sonna mathiri benifit ulla health Insurance pathi paathen bro niva health Insurance solluraka Rafer panraka bro so health insurance puthucha iruku so atha nampalama yenaku douet iruku so yentha mathiri health insurance nampalam itha pathi oru video poduka bro pls.... 🙏🏻
Thanks for your heath insurance information
Good information 👍
Right Now I dont have any health insurance but Within this month I need to do one surgery. If I apply Health insurance now can I able to claim with that insurance policy ?.
Waiting period
Thank you Boosan, well explained Video.. I was actually searching for a video which decodes Health insurance. Well timed...
Glad you find it useful
@@finance.boosan Indeed Helped🙂
Thank you for sharing valuable information
Thank you.... too detailed information ❤
As always. Great explanation.
Clearly explained thanks bro...
Sirapppuuu man🙏🙏👏👏🤝🤝
Thank you..very useful information 👍
Vera level ❤
very useful information bro. Thanks a lot!
Very well explanation sir thank you
Hi bro..kindly discuss in detail about Zerodha large midcap 250 ELSS fund..shall I start investing in this..
Bro, we will buy the HDFC Optima Secure Family Floter plan. premium of $39,000, sum insured for 10L. I have doubts about whether the 10L is for each family or the total family.
Total Family 10L coverage Floater policy
வணக்கம் விஷால் சார்...
Thanks a lot for the detailed information👍
Can you suggest the best health insurance company
Thank you bro. Very clear view.
Hi anna.does you explain the term 'aggregate deductible amount' in insurance
Thanks for sharing valuable information
Your suggestion which cmpny is best ?
Dear sir , thanks & congratulations fory your great efforts, I heard Niva Bupa insurance has 10 lakh insured family insured person after hospitalized paid 7Lakh bill by the insurance, remaining will be added with reassure 10+3 lakh the same year if this bill paid 12 lakhs, again getting assured , 10-1=9lakhs, ( getting 3 times coverage in same year if hospitalaized
Which is best policy explain s
I hav care health insurance, your comparison opinion
Bro corporate super top up heal insurance policy pathi pesunga
Best video In best timing❤
Very very good and informative....
Thank you so much Boosan 🙏🙏🙏
Bro this video deserves more views..Life saving and simplified information..❣️💯
Glad you find it useful bro. Please share it with friends and family to whom it is important ❤️
explanation really good❤
Thank you Boosan. Very informative video. ❤
Kindly post about star health insurance and their schemes.
Enlighten and cut to the point . Thank you for these In depth Knowledge on Health Insurance
Great explanation....❤
What is difference between health insurance and life insurance can i get health insurance to Life insurance
Health Insurance - Only For medical expenses... Term Insurance - Only Get after Death ....
Maternity ku best insurance solunga sir
Waiting period varum sis