Bhai insurance company k trap se jyada mujhey tumhara trap samjh me nhi araha, agar suggestion Dena hai toh uske liye 499 hi kyun free me v suggestion de saktey ho
Every person's requirement , health condition and financial status is different. So if i am giving my personal time for everyone then should i make it free??? Also customer care only suggest the plan they want to sell and I suddenly the plan that you actually need according to your requirement.
Advisors 2 tarike se kamate hain, ek to consultation fee ya fir commision. Agar aapko unbiased opinion chahiye to advisor ko fee deni padegi, nahito wo aapko free consultation deke jyada commission wali Policy bech dega.
@@AkshayNaik404 They deserves and get their money for their knowledge and sale...this is not so easy to sell a health insurance. Then what is your problem...come and join this profession and earn money.... who stops you....a doctor takes consultation fees, an advocate takes fees then onther commission and income are also there..then why not an advisor....develop your thinking change your mind get some knowledge bro...
I have taken the care health insurance. My experience is very bad. claim is very bad. one of my relation has suggested to me. I have claimed around 35k almos 25 days over still not received remburse. My suggestion is dont care health insurance
Same here, they will never say anything clearly why approved claim isn't deposited & just come up with insane reasons not to pay out. Heck, customer representatives are either rude or will politely misguide you without giving straight forward solutions.
My dear sir any reimbursement case takes time for 1-2 months ....dont be in a hurry....7 months already gone you have posted hope you get your money but you didnot update about the same
You are absolutely correct Sir, The Care health Insurance doesn't pass most of the claims and if they don't find a genuine reason to decline the claims then they decline with reasons like the patient could be treated on OPD Basis and Hospitalization not justified. As i know more than 25 people who are covered by this company and faced claim rejection without any genuine reason. They approached even to IRDAI and Ombudsman but no decision in the favour due to the Care pay too much as commision for policy selling and managing all the grievance personels too.
I BUY CARE HEALTH 😢INSURANCE IN 2021..BUT I DO NOT GET MY CERTIFICATE OF INSURANCE. ITS REPRESENTATIVES ARE NOT TAKE CALL ...THEY ONLY SELL INSURANCE...MY 13010 RUPEES INSURANCE BEING WATER...SO DON'T BUY CARE HEALTH INSURANCE
Yeh Galt bol rahe h Maine apni policy port karyi thi 2022 me port karane ke 1week me hi mujhe hospital Jana pada stone ke operation ke ley hospital RG stone me hospital bale bole pree approval le lo bahi ji mera 225000 ka approval a jya Aur uske bad bhi maine 7lakh ka clame liya h mujhe to koe problem nhi hue kbhi yeh apne fee ke ley bol rahe h sochna AAP ko h kesi ko lge ki glt h to mere mob pr datail le sakta h hospital ki jaha maine admit tha
Please check ICR - Incurred claim ratio and claim settlement ratio.. ICR upto 65% is a very good sign and claim settlement ratio is the wrong way to conclude that the company is good or bad ..
Star health ki meri policy hai , accident me muje bone fecture ho gaya claim bana 1,18000rs or cashless claim pass kiya only 23000 rs star health claim Bahu reject karta hai or nammatra ka claim deta hai.
I can understand your concern but with limited time I have to explain each other but still at the end there a lot of things that I have to skip because of time constraint also I do not promote any company I make video for people to understand and take information that's why I recently started insurance advice so that people get to know in detail from me
@@unbiasedramsingh My question is why HDFC ergo percentage is not available in annual report? I have not told you to explain with each other. Now, don't tell me that IRDA not included those percentage for HDFC Ergo. :D
@@IAmHitya HDFC Ergo Health Insurance merged with HDFC Ergo General Insurance on March 01, 2020. It is written on bottom of the page (* marked) . That's why the HDFC Ergo percentages are shown in above page no 116 under heading "Statement 13". For 2021-22, HDFC Ergo ICR is 97.47
Chaliye apne CARE ka to bta diya mere dad ka ICICI me tha that too without age slab wala and now suddenly usme age slab add krke 4 times se premium increase kr diya gya so now CARE k sath ICICI bhi culprit h customer acquisition by SCAM k case me and agar aap Har ek company me dekhoge to lagbhag yahi khel chal raha h aapko bhi CARE ko galt Bata kr 499 aapki charges leni hai taki log confuse rahe apko 499 de aur ap jiske agent hai aap uske insurance btakar insurance company se bhi commission le le acha business h sir
first of all I do not sell any insurance..... And the charges are just for a personalized advice in which I give precautionary measures so that your claim never get the rejected and also explain the terms and conditions of the policy so that you can understand each and every point properly, so that your claim never get rejected. You are facing this issue just because you took a free advice from customer care...... And also people need a good insurance advisor so that they can update about the changes in the insurance policy on time😇....
first of all I do not sell any insurance..... And the charges are just for a personalized advice in which I give precautionary measures so that your claim never get the rejected and also explain the terms and conditions of the policy so that you can understand each and every point properly, so that your claim never get rejected. You are facing this issue just because you took a free advice from customer care...... And also people need a good insurance advisor so that they can update about the changes in the insurance policy on time😇....
Once you have some disease, others will simply reject your porting request. Unable to port my fathers policy to anyone else after he suffered heart attack
You have missed major point here. Care Supreme has limitation, you can take treatment only in Zone of your postal address, company will not pay if claim is in other zone. Example: I am residing in Bangalore, my address is Bangalore. In case I had to take treatment in Mumbai or Delhi, that will be considered as different zone w.r.to Bangalore and CLAIM WILL BE REJECTED.
@@AVIKCHAKROBORTY2008 Yes, confirmed with Care Insurance. You can reconfirm with helped as well. This is very inconvenient for people in nationwide transferable jobs, IT sector, people expecting relocation.
From care health insurance i had very bad experience. I didn't get claim for my kid he admitted for seven days. This is not a best choice in my experience. Whats your....
you had not yet let my post get public, If you think you are fair with your review than let my post be on public platform and then will see how honest you are@@unbiasedramsingh
Sare company ke policy mai koi na koi khamiya hoti hai Policy documents ate hi use thik se padh le Is ke liye aapko time to dena hoga Agar policy apake need puri na kar parahi ho to to aap use 15 din ke under surrender/freelook in period mai cancel kar sakte hai
Bilkul galat bataya ja raha hai.... care supreme bohut achi health insurance policy hai.... kisi ki bhi claim tabhi reject hoti hai agar waiting period me koi claim karta hai ya fir PED ka claim 4 yrs me karta hai ya fir slow growing disease ka claim 2 yrs me karta hai.....iske alawa insurance company kabhi claim reject nhi karti hai.... Main khud experience kiya.....my request not to mislead anyone....galat information ya mislead mat karo....thank you🙏
Its all about the low premium they are charging that is the problem. Company is trying to trap and they increase premium comparatively higher they any other insurance plans.... You all can compare care plus VS care supreme you will see the ground reality NO company is mad to provide low premium high coverage and features
Age slab cluster me means 31 to 35, 36 to 40, 41 to 45 etc. Ek cluster se dusra age cluster me jab jaoge tab price hike toh hogii sabhi insurance policy me hota hai
If u r saying CIR is high in case of Star, then it is also dangerous sign, so either co will make losses in certain year of time. Because of this scenario Star has taken harsh steps. I hope u must be aware. So co has to maintain sustainable ratio. All cos are regulated by IRDA. So they can't just fool like anything. Only thing we have to read and understand the wordings of the plan carefully.
Absolutely you are right but CIR till 80 is acceptable in a shot run and also for a long Star has provided affordable and stable plan as compared to any other insurers.
@@unbiasedramsingh Sorry sir I disagree with you. Kindly check the internal scenario. Facing badly in claims. PPL attracted towards star because of the same reason ie sasta premium. And now they are in bad shape because of heavy claims in COVID.
Bhai mere pass pass care Supreme ka plan Hai. 1st year me hi Maine 53000 ka clame Kiya aur thoda time liya lekin pas ho gya kyuki policy nayi thi isliye time lga .. Koi company achhi ya buri nhi hoti ap sahi hone chahiye... Agar apko achhe se janana Hai. Isko 500 Dene se achha ap apne city k kisi achhe hospital me Jake tpa department me Pata kriye ki konsi company ka policy jaldi pass Hota hai
Star ka incurred claim ratio jyada hone se , vah loss making company ban chuki. Air yahi karan hai ki vah har claim par 20% se jyada deduction kar rahi hai. Jiska sidha bojhh policy holder ke pocket par pad raha hai. Kuchh claim to Out patient ka reson bata kar reject kar rahi hai. Primium bhi lagatar three years se bada rahi hai.
Companies trainer are saying 20% copay mandatory after 61. But there is nowhere written in brochure. When i asked policy bazaar, companies toll free number,they are also refusing the same. I email them to provide a valid written proof. They directly denied that. Now how will u trust them.?? So pls takeCARE while taking insurance from CARE. 😂
You have posted this video for your sake only and it's clear you are favouring Star health so you will be selling star products only . Great selling tech
Same sir on opd basis care health my mother cash less claim rejected normal motions and vomitings can u please suggest the best insurance plan for senior citizens plsss
SBI GENERAL INSURANCE ne b Mera sath same kiya I had purchased 2 individual Aarogya premium policy in 2021 and being with it from last 3 years. But now I am not able to renew it as this policy is discarded now. And now they are migrating me in another policy which is almost 2.5 times higher then my earlier policy.
I have pre existing condition open heart surgery ASD hole done 1997 glaucoma and cornea surgery done1995 DNS surgery done 2024 BP cholesterol non alcoholic fatty liver cataract cyst
क्लेम एंकर्ड रेशों इस बात पर भी निर्भर करता है की कंपनी कितनी पुरानी है लगभग 15-20 साल के बाद कंपनी के ग्राहक बूढ़े हो जाते हैं और उस कंपनी के क्लेम ज्यादा आने लग जाते हैं इस वजह से एंकड रेशों बढ़ जाता है। और यह इस बात पर भी निर्भर करता है कि कौन सी कंपनी के पास कितने क्लाइंट हैं जिस कंपनी के क्लाइंट ज्यादा होंगे उसका एंकर्ड रेशों भी ज्यादा होगा स्टार हेल्थ पुरानी कंपनी है हो सकता है उसके पास क्लाइंट भी ज्यादा हों, इसलिए उसका एंकर्ड रेशो भी ज्यादा आ रहा है ।
Please do communicate whether you have any Health Insurance policy that can cover me ( I am 69 years old) & my wife ( who is 65 years old) . Do have to obtain individual policy or can I take floater policy for me & my wife. I wish to take policy amounting to RS 10 lacs each or 15/ 20 lacs floater policy. Pl do suggest a best policy & let me know the premium. Regards
I cannot randomly suggest you the insurance Plans without knowing about your health condition and financial status. and your basic requirements in health policy
Bhai kisi ladies ne policy li hai or mera number daal diya hai... Or uska sara details mere number pe aara hai😅😅 main apna number kaise deregister karau?
lets compare atleast 4 companies, even I want to know which company is raising the maximum premium and which company is affordable even at the age or after attaining the age 40@@unbiasedramsingh
Why are you not educated to read & understand... Even after that something misses , just forget it , even that advisor will miss that ... Believe in yourself first.
Tumhare hisab se year to year care supreme direct ka premium 30% badhna chahiye par abhi Same people, place, & age lagake dekha to Care Supreme Direct ka premium decrease hua he
You are somewhat wrong. Every company increase premium only after approval by IRDAI. Kisi bhi company ye kar sakta hai. As a financial planer I see most of the company do this when they want. Dont spread such thing against only one two company.
Meri bhi ek story hai care health ke bare main bilkul bogas company hai 18000 individual insurance le rakha hai par inhone exclusion ke naam par mera claim pass nhi kia beware this company
Bro my HDFC ERGO premium of Health suraksha shoot up by 10k this year since crossed 50. However now for 5+5 L SA it's charging @27k. If switch to their Optima secure then with same but restoration premium comes @32k but every there will be increase @5-6% in premium. Care supreme offering 7L + restoration with fixed slab for 5 years @27k. .... I am associated with Hdfc since 2016. Now looking to huge increase in premium with less SA and lot of constraints i wish to port. Hence is the Care Supreme is trust worthy ? Because i had a claim experience with Hdfc and it's very trusted and no hazel in approval. I am in dual mind what to do? Shall i Port? How is Care Supreme on their claim settlement, approval, trust worthyness? I am at tier 2 city now. As such all insured person 2+1 are sound in health as on date by god bless hence not much SA required however future is not in our hand. Hence please advise suitably. My renewal is very near. Thanks in advance.
I have a policy in star and I planning to port, so I approached policy bazar, ditto and other mostly they want to sell me ergo, care and adithya active. But it's clear from your answer also that Ergo claim settlement ratio is good compared to all other insurances but Ergo premium is high and premium increases yearly Now I am confused whether to port or not to port!
No insurance company can increase the premium without taking permission from IRDA. The only reason by which company can increase the premium if the claim ratio is high and revenue is less (or company is in loss). In that case, company can urge IRDA to increase the premium.. Stop spreading your knowledge..
Your research looks incomplete. Year 2020 and 2021 was impacted due to COVID. If consistently the company's settlement and incurred ratio is low, then fine. You should not judge by 1 year.
Though we r changing to another company we can consider that we got security for that year... Company didn't tell us that we should not do any claim during first year... Kya bekaar baat bolre ho... Tell positive things Aswell
Mai ek full time insurance professional hoon Aapke jaise log video banate hai aur bahot saare log kisi bhi company ke baare me itna bhar bhar ke jhooth bolte hai, bhale woh care ho ya koi aur company, yahi sabse badi dukh ki baat hai, video banao toh jara jimmedari se banao bhai Kisi bhi company ki sacchai toh usko hi pata hoti hai jo field me kaam karta hai aur jo imandari se kaam karta hai Ya toh agent jhooth bolke policy bechta hai, ya phir customer jhooth bolke policy lete hai, aur aise hi log baad me kisi na kisi ki complain karte rehte hai, company koi bhi ho Agent ya phir customer shurvaat me galat kaam karte hai aur baad me koi na koi video dekh ke khud ki galtiya chupake kisi bhi company ke baare me shuru ho jaate hai
Don't know how u can u say that, premium will increase disproportionately, which is baseless, bcz, premium increase as per age slab in every 5 years. How can u say hypothetically that it will increase. Are u certifing urself as a regulator. .. U said why company is giving very competitive product, bcz, my dear friend, market is so competitive, hence, best product brings more business. Anyways, u r doing ur business, by making others fear. Good job. 😢😢
Migration not possible niva said this to me i was reassure after 1 yr preimum increased now reassure 2.0 but they are not alllowing to kigrate they r saying next yr u can migrate
Bhai dekh Jitna premium 5 lakh ke liye doge utane me hi 50 lakh ki policy mil jayegi waha na 500 baar na unlimited times aur na ho reassure ki jarurat hogi. Thodha dimag lagao lock the clock matlab premium na badhe usaki wajah se tum claim hi nahi kroge.
PAHELE APKA IDEA PURA KARO. 499 KE CHAKKAR MEIN AP BHI TO ADHURA CHOR GAYE. CUSTOMER BASE BHI KOI CHIZ HAI, KIU NEHI BOLA. RELIANCE TO 200% TO SAB KYA US PLAN KO LENE CHUTE. BAHAT PARAMETER HOTE HAI, DONT CONSIDER ONE.
Claim, Ratio is = Number of Claims settled / Number of claims received. Aapki Baton se mujhe aisa lagaa ki claim ratio is Number of claims settled / Number of policies sold. Please check your Video from Minute 10 to Minute 13 where you are showing IRDA Claims settlement Ratio which is a part of the Annual report of IRDA.
i renewed my policy after 3 years for care advantage 3 years before it was 21k and it is still same after 3 years during renewal , dont find logic in his words
Manish main aaj hi premium kharida hai but high volume complaint hai par negative bahut hai agar Accha nai laga qnki 15 days mein cancel kar sakte kya with 100 % money back
Bhai 1 cheej btao, ye star agar itna jyada incurred claim.ratio de rhi hai, to khud kya kma rhi hai, aur kya ye business k liye baithi hai ya free me help.k liye. Wrong information hai ye. Jo company 70% se jyada incurred ratio dikhati hai, to wo kamayegi kya?? Aur kamayegi nhi to chlegi kaise?? Be practical and plz share right information.
Yes absolutely right star health has the highest market share if you see HDFC it has the similar incurred claim ratio…. Company paise ko invest bhi karti hai for extra income source…. Ek saal ka jyada ICR doesn’t matter in a long run it was high due to corona pandemic…..during corona claim was high then how come Care has low????
They rejected my claim due to the address issue however I was given the correct address which is in my aadhar card also very bad company please don't buy this policy from care you will never get claim
I agree with you totally. All the companies do the same and that is how business run. That is what is Reliance does and everyone. But we have to look at whether they are settling the claims properly. Then this video would have been more useful. HDFC last year ICR ration was 97.47, then it very much likey there are going to increase their premium. Please tell us which is the best health insurance company according to you.
i am not asking abt the other health Insurance, that is okay...!! but can you please explain me how come 196.55% is showing for Reliance Health Insurance ? Please be specific to the question . kya Reliance Apne pocket se paisa de rahi hain apne clients ko ?
You if want unbiased advice definitely it will be paid advice only … If someone is giving it for free then they are selling the product. I don’t sell any product.
you had not yet let my post get public, If you think you are fair with your review than let my post be on public platform and then will see how honest you are@@unbiasedramsingh
Laghta hai u have personal issue with care because let me tell u I HAVE HDFC , and HDFC HAS INCREASED THEIR PREMIUM BY HIGHER PERCENTAGE AS COMPARE TO ALL COMPANY
As a content creator and unbiased advisor i see all company equally. U choose to go with the company who charges higher premium it was you decision. In case of care i feel people should know about the future premium hikes. Bcos please choose care just beside of low premium and this is called trap.
This video is almost a year old now people are facing problems Those who have already bought this. premium Hike are reality in this plan without change in age bracket
Bhai insurance company k trap se jyada mujhey tumhara trap samjh me nhi araha, agar suggestion Dena hai toh uske liye 499 hi kyun free me v suggestion de saktey ho
Every person's requirement , health condition and financial status is different. So if i am giving my personal time for everyone then should i make it free???
Also customer care only suggest the plan they want to sell and I suddenly the plan that you actually need according to your requirement.
I think @Up4Updates is also a fraud.
Advisors 2 tarike se kamate hain, ek to consultation fee ya fir commision.
Agar aapko unbiased opinion chahiye to advisor ko fee deni padegi, nahito wo aapko free consultation deke jyada commission wali Policy bech dega.
Aapke waaste un pura data collect karke aapku provide karra toh un free mein kyun bataunga 😝
@@AkshayNaik404 They deserves and get their money for their knowledge and sale...this is not so easy to sell a health insurance. Then what is your problem...come and join this profession and earn money.... who stops you....a doctor takes consultation fees, an advocate takes fees then onther commission and income are also there..then why not an advisor....develop your thinking change your mind get some knowledge bro...
HDFC Ergo also has mostly same features and premium also nearly same. Then HDFC Ergo also plans to trap the customers and increase the premium?
I have taken the care health insurance. My experience is very bad. claim is very bad. one of my relation has suggested to me. I have claimed around 35k almos 25 days over still not received remburse. My suggestion is dont care health insurance
Same here, they will never say anything clearly why approved claim isn't deposited & just come up with insane reasons not to pay out. Heck, customer representatives are either rude or will politely misguide you without giving straight forward solutions.
My dear sir any reimbursement case takes time for 1-2 months ....dont be in a hurry....7 months already gone you have posted hope you get your money but you didnot update about the same
@@adityaiyer4256 because you possibly take online policy for discount purpose and not hired a advisor for your policy
Cashless Claim to dete nahi reimbursment kanha se denge. It takes few sec to reject but 2 months for reimbursment. Picture is clear.
You are absolutely correct Sir, The Care health Insurance doesn't pass most of the claims and if they don't find a genuine reason to decline the claims then they decline with reasons like the patient could be treated on OPD Basis and Hospitalization not justified. As i know more than 25 people who are covered by this company and faced claim rejection without any genuine reason. They approached even to IRDAI and Ombudsman but no decision in the favour due to the Care pay too much as commision for policy selling and managing all the grievance personels too.
can you share the policy number, we can verify whether your claim is correct or not. As I am using the same policy
Not only Care every health product have problems, all we get to know at the time of claim only....
@@giteshalvares749are you care health employee??
You are correct. I am also the same experience.
I was thinking of taking Care supreme but now indecisive 🙄
I BUY CARE HEALTH 😢INSURANCE IN 2021..BUT I DO NOT GET MY CERTIFICATE OF INSURANCE. ITS REPRESENTATIVES ARE NOT TAKE CALL ...THEY ONLY SELL INSURANCE...MY 13010 RUPEES INSURANCE BEING WATER...SO DON'T BUY CARE HEALTH INSURANCE
You can reach to me will help
@@unbiasedramsingh for downloading policy copy 499/-
Care dont honour their own terms nd conditions,chor co.
Yeh Galt bol rahe h Maine apni policy port karyi thi 2022 me port karane ke 1week me hi mujhe hospital Jana pada stone ke operation ke ley hospital RG stone me hospital bale bole pree approval le lo bahi ji mera 225000 ka approval a jya
Aur uske bad bhi maine 7lakh ka clame liya h mujhe to koe problem nhi hue kbhi yeh apne fee ke ley bol rahe h sochna AAP ko h kesi ko lge ki glt h to mere mob pr datail le sakta h hospital ki jaha maine admit tha
Apka koun sa company ka policy hai?
मेरे बेटे का Cashless claim जो सिर्फ 30000 का था वो reject कर दिया Care वालों ने . Jhooth mat bol bhai
Care health ke employee ho kya
Please check ICR - Incurred claim ratio and claim settlement ratio..
ICR upto 65% is a very good sign and claim settlement ratio is the wrong way to conclude that the company is good or bad ..
Star health ki meri policy hai , accident me muje bone fecture ho gaya claim bana 1,18000rs or cashless claim pass kiya only 23000 rs star health claim Bahu reject karta hai or nammatra ka claim deta hai.
Reason kya reject ka
Policy kitna din ka hain?
I know mostly you are promoting HDFC ergo.
Can you tell me in annual report that you show in video, why there no percentage shows for HDFC Ergo?
I know you intensely removed HDFC Ergo percent because that is also near about same like Care.
I can understand your concern but with limited time I have to explain each other but still at the end there a lot of things that I have to skip because of time constraint also I do not promote any company I make video for people to understand and take information that's why I recently started insurance advice so that people get to know in detail from me
@@unbiasedramsingh
My question is why HDFC ergo percentage is not available in annual report?
I have not told you to explain with each other.
Now, don't tell me that IRDA not included those percentage for HDFC Ergo. :D
It is available, you go and see the Annual report of IRDAI. The ICR for HDFC was 97.47 for year 21-22@@IAmHitya
@@IAmHitya HDFC Ergo Health Insurance merged with HDFC Ergo General Insurance on March 01, 2020. It is written on bottom of the page (* marked) .
That's why the HDFC Ergo percentages are shown in above page no 116 under heading "Statement 13".
For 2021-22, HDFC Ergo ICR is 97.47
Chaliye apne CARE ka to bta diya mere dad ka ICICI me tha that too without age slab wala and now suddenly usme age slab add krke 4 times se premium increase kr diya gya so now CARE k sath ICICI bhi culprit h customer acquisition by SCAM k case me and agar aap Har ek company me dekhoge to lagbhag yahi khel chal raha h aapko bhi CARE ko galt Bata kr 499 aapki charges leni hai taki log confuse rahe apko 499 de aur ap jiske agent hai aap uske insurance btakar insurance company se bhi commission le le acha business h sir
first of all I do not sell any insurance..... And the charges are just for a personalized advice in which I give precautionary measures so that your claim never get the rejected and also explain the terms and conditions of the policy so that you can understand each and every point properly, so that your claim never get rejected. You are facing this issue just because you took a free advice from customer care...... And also people need a good insurance advisor so that they can update about the changes in the insurance policy on time😇....
first of all I do not sell any insurance..... And the charges are just for a personalized advice in which I give precautionary measures so that your claim never get the rejected and also explain the terms and conditions of the policy so that you can understand each and every point properly, so that your claim never get rejected. You are facing this issue just because you took a free advice from customer care...... And also people need a good insurance advisor so that they can update about the changes in the insurance policy on time😇....
if we don't like insurer later, we can always change it and still get continuity as per IRDA. So whats the point to not get benefit now
Once you have some disease, others will simply reject your porting request. Unable to port my fathers policy to anyone else after he suffered heart attack
You have missed major point here. Care Supreme has limitation, you can take treatment only in Zone of your postal address, company will not pay if claim is in other zone.
Example: I am residing in Bangalore, my address is Bangalore. In case I had to take treatment in Mumbai or Delhi, that will be considered as different zone w.r.to Bangalore and CLAIM WILL BE REJECTED.
@vijusnn->Just want to know , is this scenario -is mentioned any where in the Policy Document ?
@@AVIKCHAKROBORTY2008 Yes, confirmed with Care Insurance. You can reconfirm with helped as well. This is very inconvenient for people in nationwide transferable jobs, IT sector, people expecting relocation.
If you take zone 1 you'll be treated in all zones. But if you take zone 2 premium, you won't be treated in zone 1
From care health insurance i had very bad experience. I didn't get claim for my kid he admitted for seven days. This is not a best choice in my experience. Whats your....
Reason for rejection of claim???
you had not yet let my post get public, If you think you are fair with your review than let my post be on public platform and then will see how honest you are@@unbiasedramsingh
Can you bifurcate about the claim history and rejection??
Sare company ke policy mai koi na koi khamiya hoti hai
Policy documents ate hi use thik se padh le
Is ke liye aapko time to dena hoga
Agar policy apake need puri na kar parahi ho to to aap use 15 din ke under surrender/freelook in period mai cancel kar sakte hai
bhai, esme sab kuch assumsion pr hi tha kya, kii essa ho gya toh , wesa ho gay toh.
Toh Hum assumption pay Hi Health insurance Hai ki kuch Bura Ho Jayega to Health insurance lena chahiye.
I hv bought star health optima insurance in 2019.. it's insurance in 9999 next year it increased 23000. with Wht percentage it increased
Bhai tu hindi me hi baat kar 😂
Same has happened with me. I have paid 37000 while issue of the policy and renewal they asked for 56000
@@Shredderrr93😂
@11:03 , did you noticed that reliance health Insurance % is 196.55% , How ??
They have the backing of Reliance group, so they can take loss for 2-3 yrs easily.
may be they provided claim for Covid also
2021 was 2nd wave of covid
Because they are loss making
Aap ne pura sahi bola Sir, me jab police liya tha tab wo mere se 5000 something liya tha fir 6600 liya or avi 8700 bol rahe hai.
Wahai tohhhh
Bhai Claim Settle Ratio me jitna Claim ayega utna hi to paisa denge. Unke pass 100 mese 55 Claim aaye honge. To unhone unka paisa de diya.
Aapko care se commission nahi mila kya office se nikal diya hoga. So this frustration.Starhealth is one of the worst compay in rejecting claims.
I do not work for any company. You can check the IRDA reports it States everything.
Care ka incurred ratio only 54% he
पहले साल प्रीमियम बहुत कम रहता है फिर अगले साल जब रिन्यू करवाना होता है तो 40%-50% प्रीमियम बढ़ा देते है
Aapka age kya tha policy nikaalte samay? Aur ye 40-50% increase uske next year renewal me hi aaya kya?
Bilkul galat bataya ja raha hai.... care supreme bohut achi health insurance policy hai.... kisi ki bhi claim tabhi reject hoti hai agar waiting period me koi claim karta hai ya fir PED ka claim 4 yrs me karta hai ya fir slow growing disease ka claim 2 yrs me karta hai.....iske alawa insurance company kabhi claim reject nhi karti hai.... Main khud experience kiya.....my request not to mislead anyone....galat information ya mislead mat karo....thank you🙏
Its all about the low premium they are charging that is the problem. Company is trying to trap and they increase premium comparatively higher they any other insurance plans....
You all can compare care plus VS care supreme you will see the ground reality
NO company is mad to provide low premium high coverage and features
Next year jb policy renew karvogey tbb pta chlega plan kitna accha hai... Seedha 40% hike hoga 😂
Age slab cluster me means 31 to 35, 36 to 40, 41 to 45 etc. Ek cluster se dusra age cluster me jab jaoge tab price hike toh hogii sabhi insurance policy me hota hai
@@Helpinghands544sahi bola Bhai...
@@senguptasentertainment8790aisa kuch nahi last year jab liya tha mai 31 ka tha still 2023 me renewal increase kr diya,
If u r saying CIR is high in case of Star, then it is also dangerous sign, so either co will make losses in certain year of time. Because of this scenario Star has taken harsh steps. I hope u must be aware. So co has to maintain sustainable ratio. All cos are regulated by IRDA. So they can't just fool like anything. Only thing we have to read and understand the wordings of the plan carefully.
Absolutely you are right but CIR till 80 is acceptable in a shot run and also for a long Star has provided affordable and stable plan as compared to any other insurers.
@@unbiasedramsingh Sorry sir I disagree with you. Kindly check the internal scenario. Facing badly in claims. PPL attracted towards star because of the same reason ie sasta premium. And now they are in bad shape because of heavy claims in COVID.
I agree with @mahendra.
I also disagree, 60-75% is the healthy range for CIR, 80% is not that good.
Aise koi company claim reject nahi karti .
Care Health Supreme ma Jo add on ha kindly guide...
Me bhi sanjay palace vaali me
Bhai mere pass pass care Supreme ka plan Hai. 1st year me hi Maine 53000 ka clame Kiya aur thoda time liya lekin pas ho gya kyuki policy nayi thi isliye time lga ..
Koi company achhi ya buri nhi hoti ap sahi hone chahiye... Agar apko achhe se janana Hai. Isko 500 Dene se achha ap apne city k kisi achhe hospital me Jake tpa department me Pata kriye ki konsi company ka policy jaldi pass Hota hai
Star ka incurred claim ratio jyada hone se , vah loss making company ban chuki. Air yahi karan hai ki vah har claim par 20% se jyada deduction kar rahi hai. Jiska sidha bojhh policy holder ke pocket par pad raha hai. Kuchh claim to Out patient ka reson bata kar reject kar rahi hai. Primium bhi lagatar three years se bada rahi hai.
Companies trainer are saying 20% copay mandatory after 61. But there is nowhere written in brochure. When i asked policy bazaar, companies toll free number,they are also refusing the same. I email them to provide a valid written proof. They directly denied that.
Now how will u trust them.?? So pls takeCARE while taking insurance from CARE. 😂
In care supreme health insurance
Absolutely right lot of confusion.... So
It is always good to take unbiased openion to get clear idea ...and definately not from customer care.
@@anantsharma6537go to consumer court
Alway read 'policy wording' before by policy
Not only brochure
There is no co payment in care supreme at any age.
Care health insurance company is selling policy in low premium becouse they never claim your hospitalization bill.
I understand but in today's market I can guarantee that there is no 100% claim settlement ratio
You have posted this video for your sake only and it's clear you are favouring Star health so you will be selling star products only . Great selling tech
I don’t have any particular company insurance license to sell😅 so how you can be so sureee 🙌
Mera care advance ka 50L ka plan hai. Kya problem ho sakta h aage chalkar isme??
Best policy sir.totally wrong information de Raha ha ya.bas online mat Lena.
Jitna jaldi ho port kra lo
Is Care supreme value active now ?
Yes
Which one is best hdfc reliance?
U started the vdo with policy bazaar mis-selling & ended up somewhere else. Topic chosen by you still remains unanswered by you.
One word answers care INFERRED CLAIM RATIO is around 55%
98 percent claim ratio .. what does that mean .. please reply
Same sir on opd basis care health my mother cash less claim rejected normal motions and vomitings can u please suggest the best insurance plan for senior citizens plsss
Care health Company policy is that no one should go to the hospital. Find the medicine yourself at home and take it.
But, still the claim rate is almost 91% and the premium is affordable compared to msny other insurance company
Advantage नाही disadvantage
Star insurance mein co payment and room rent cover ka problm hai.
niva bupa thora acha hai.
Its only on paper..... ground reality is totally diff
Best video ever 👌 main point incurred claim ratio ye koi nhe btata
So sir,which insurance company best hai in case of after sales service?
You can directly contact me for personal advice 😊
So that u can also charge for free advice😊
@@unbiasedramsingh😂😂😂 Pehle paisa fir gyaan
HDFC ERGO and Niva Bupa are best companies forever.. Definitely go with them👍🏻
SBI GENERAL INSURANCE ne b Mera sath same kiya I had purchased 2 individual Aarogya premium policy in 2021 and being with it from last 3 years. But now I am not able to renew it as this policy is discarded now. And now they are migrating me in another policy which is almost 2.5 times higher then my earlier policy.
I have pre existing condition open heart surgery ASD hole done 1997 glaucoma and cornea surgery done1995 DNS surgery done 2024 BP cholesterol non alcoholic fatty liver cataract cyst
Suggest me any Health Insurance
i have cancelled care plan and got sbi arogya advance where the premium increase in 20 years
Pl. tell co provides expenses for knee operatin physiotherapy as post services.
क्लेम एंकर्ड रेशों इस बात पर भी निर्भर करता है की कंपनी कितनी पुरानी है लगभग 15-20 साल के बाद कंपनी के ग्राहक बूढ़े हो जाते हैं और उस कंपनी के क्लेम ज्यादा आने लग जाते हैं इस वजह से एंकड रेशों बढ़ जाता है।
और यह इस बात पर भी निर्भर करता है कि कौन सी कंपनी के पास कितने क्लाइंट हैं जिस कंपनी के क्लाइंट ज्यादा होंगे उसका एंकर्ड रेशों भी ज्यादा होगा
स्टार हेल्थ पुरानी कंपनी है हो सकता है उसके पास क्लाइंट भी ज्यादा हों, इसलिए उसका एंकर्ड रेशो भी ज्यादा आ रहा है ।
Incurred claim ratio and claim settlement ratio is out of 100 ... for both...
Aapko ko koi gala jankari mili hai
Incurred claim ratio and claim settlement ratio is out of 100 ... for both...
Aapko ko koi galat jankari mili hai
Please do communicate whether you have any Health Insurance policy that can cover me ( I am 69 years old) & my wife ( who is 65 years old) . Do have to obtain individual policy or can I take floater policy for me & my wife. I wish to take policy amounting to RS 10 lacs each or 15/ 20 lacs floater policy. Pl do suggest a best policy & let me know the premium. Regards
I cannot randomly suggest you the insurance Plans without knowing about your health condition and financial status.
and your basic requirements in health policy
Care health Company policy is that no one should go to the hospital. Find the medicine yourself at home and take it.
Bhai kisi ladies ne policy li hai or mera number daal diya hai...
Or uska sara details mere number pe aara hai😅😅 main apna number kaise deregister karau?
Aap aise hi Rahane do kuchh mat karo agar policy document per email id likha hoga to unko ek email kar do ab bus
Shi kha care sirf starting mei Premium kam deta hai or sabse jada premium isi mei badta hai. Is case mei star health bhot achi hai they don't increase
Can star health give claim for intragastric balloon for obesity my policy is 8 years old with no comorbities
Which plan u have ???
अगर यही बात है तो तो सारी कंपनियां ये काम कर सकतीं हैं पहेले सस्ता Premium पर Policy ऑफर कर के Renewal पे Premium बढ़ा दे
Sub company already kar rahai hai….
Par itna jyada nhi jitna ye company karti hai this is good for youngsters but not for people about 40
lets compare atleast 4 companies, even I want to know which company is raising the maximum premium and which company is affordable even at the age or after attaining the age 40@@unbiasedramsingh
thats why dont trust any telecalling sales person. always buy a plan from your known advisor
Why are you not educated to read & understand... Even after that something misses , just forget it , even that advisor will miss that ... Believe in yourself first.
Port karana best rahega ya nhi reassure se care supreme me
Reassure se jyada accha hai care supreme….
सर कोन सी हेल्थ इंश्योरेंस पॉलिसी अच्छी कृपया कर बताएं प्लीज किसी हेल्थ पोलिस में स्विच करने से कोइ से कोई नुकसान तो नही प्लीज बताएं
Iske liye 500 rs premium Dena hoga bhai sahab ko😂
AAP thoda outdated Ho Gaye ho ab I change 1499😇
Tumhare hisab se year to year care supreme direct ka premium 30% badhna chahiye par abhi Same people, place, & age lagake dekha to Care Supreme Direct ka premium decrease hua he
You are somewhat wrong. Every company increase premium only after approval by IRDAI. Kisi bhi company ye kar sakta hai. As a financial planer I see most of the company do this when they want. Dont spread such thing against only one two company.
Meri bhi ek story hai care health ke bare main bilkul bogas company hai 18000 individual insurance le rakha hai par inhone exclusion ke naam par mera claim pass nhi kia beware this company
Bro my HDFC ERGO premium of Health suraksha shoot up by 10k this year since crossed 50. However now for 5+5 L SA it's charging @27k. If switch to their Optima secure then with same but restoration premium comes @32k but every there will be increase @5-6% in premium. Care supreme offering 7L + restoration with fixed slab for 5 years @27k. .... I am associated with Hdfc since 2016. Now looking to huge increase in premium with less SA and lot of constraints i wish to port. Hence is the Care Supreme is trust worthy ? Because i had a claim experience with Hdfc and it's very trusted and no hazel in approval. I am in dual mind what to do? Shall i Port? How is Care Supreme on their claim settlement, approval, trust worthyness? I am at tier 2 city now. As such all insured person 2+1 are sound in health as on date by god bless hence not much SA required however future is not in our hand. Hence please advise suitably. My renewal is very near. Thanks in advance.
If you want to get a good policy then reply me I can suggest you best one
I have a policy in star and I planning to port, so I approached policy bazar, ditto and other mostly they want to sell me ergo, care and adithya active. But it's clear from your answer also that Ergo claim settlement ratio is good compared to all other insurances but Ergo premium is high and premium increases yearly Now I am confused whether to port or not to port!
@@SmartWizzardplease help did you port or not??
Star health best rahegi Kya???
There are lots of factors to decide you can take my consultation
No.
No insurance company can increase the premium without taking permission from IRDA. The only reason by which company can increase the premium if the claim ratio is high and revenue is less (or company is in loss). In that case, company can urge IRDA to increase the premium..
Stop spreading your knowledge..
Sahi bola bhai...care supreme achi policy hai
policy bazar k dwara bataya gyaa care and niva bupa aur pressurize kia gaya lene ke liye
Your research looks incomplete. Year 2020 and 2021 was impacted due to COVID. If consistently the company's settlement and incurred ratio is low, then fine. You should not judge by 1 year.
Do check the IRDAI website.... Care has the lowest ICR (average last 5 year)
Though we r changing to another company we can consider that we got security for that year... Company didn't tell us that we should not do any claim during first year... Kya bekaar baat bolre ho... Tell positive things Aswell
Mai ek full time insurance professional hoon
Aapke jaise log video banate hai aur bahot saare log kisi bhi company ke baare me itna bhar bhar ke jhooth bolte hai, bhale woh care ho ya koi aur company, yahi sabse badi dukh ki baat hai, video banao toh jara jimmedari se banao bhai
Kisi bhi company ki sacchai toh usko hi pata hoti hai jo field me kaam karta hai aur jo imandari se kaam karta hai
Ya toh agent jhooth bolke policy bechta hai, ya phir customer jhooth bolke policy lete hai, aur aise hi log baad me kisi na kisi ki complain karte rehte hai, company koi bhi ho
Agent ya phir customer shurvaat me galat kaam karte hai aur baad me koi na koi video dekh ke khud ki galtiya chupake kisi bhi company ke baare me shuru ho jaate hai
Maine is video me kuch galat kaha hai???
Kya ye jaroori hai ke ek company ko jitne claim aate hai utne hi claims dusre company ko bhi aane chahiye same year me
great job 👏 from AMRITSAR
Public Sector pe konsa achha Health Insurance hai?
Ergo
@@vipanmittal1886 wo Public sector hai ? kchbhi mat bolo
New India Assurance aur National Assurance
@@abhinavraj7225 National Insurance le liya
Don't go for the public sector as policies are not that good too much of restrictions
Don't know how u can u say that, premium will increase disproportionately, which is baseless, bcz, premium increase as per age slab in every 5 years. How can u say hypothetically that it will increase. Are u certifing urself as a regulator. .. U said why company is giving very competitive product, bcz, my dear friend, market is so competitive, hence, best product brings more business. Anyways, u r doing ur business, by making others fear. Good job. 😢😢
kya Care Health insurance Company fraud hai isse judna bekar hai inke saath work krna theek nhi hai kya policy lena bekar hai inse kya
Tell me which health insurance best
Star health insurance
Care
People are saying they reject our claim wothout explaining what went wrong
Care is very worst company..mera appendicitis operation ka claim reject kar diya..i will stop to pay premium
Sayed apka policy 2years cmp nehi hua tha.
Migration not possible niva said this to me i was reassure after 1 yr preimum increased now reassure 2.0 but they are not alllowing to kigrate they r saying next yr u can migrate
Can I buy a small health insurance policy to manage aggregated deductible amount of health insurance policy
Yesss you can
Sir,. App to khud hi plan ke nam pe apna plan sale kar rahe ho....
Kaunsa plan???? I am charging for my advice that takes my time. If you want fir free you can talk to customer care.👍
To fir care supreme aur niva bupa reassured 2.0 nahi lena chahiye?
Fir hume kaunsa plan lena chahiye
Bhai dekh Jitna premium 5 lakh ke liye doge utane me hi 50 lakh ki policy mil jayegi waha na 500 baar na unlimited times aur na ho reassure ki jarurat hogi. Thodha dimag lagao lock the clock matlab premium na badhe usaki wajah se tum claim hi nahi kroge.
For better suggestion you can take my unbiased openion 😊
@@ghewda thoda samjhao kya kehna chahte ho. 5 lakh aur 50 lakh ye kaunsi policies ki baat kar rahe ho
@@ghewdaplease clarify your point. Which policy should be taken?
Awchcha fir btaiye konsi compony ka premium jeewan bhar same rhta h😂😂😂
PAHELE APKA IDEA PURA KARO. 499 KE CHAKKAR MEIN AP BHI TO ADHURA CHOR GAYE. CUSTOMER BASE BHI KOI CHIZ HAI, KIU NEHI BOLA. RELIANCE TO 200% TO SAB KYA US PLAN KO LENE CHUTE. BAHAT PARAMETER HOTE HAI, DONT CONSIDER ONE.
Claim, Ratio is = Number of Claims settled / Number of claims received. Aapki Baton se mujhe aisa lagaa ki claim ratio is Number of claims settled / Number of policies sold. Please check your Video from Minute 10 to Minute 13 where you are showing IRDA Claims settlement Ratio which is a part of the Annual report of IRDA.
i renewed my policy after 3 years for care advantage 3 years before it was 21k and it is still same after 3 years during renewal , dont find logic in his words
Every 5 years or based on your age . Insurance premiums will increase
Manish main aaj hi premium kharida hai but high volume complaint hai par negative bahut hai agar Accha nai laga qnki 15 days mein cancel kar sakte kya with 100 % money back
गलती से भी care insurance मत लेना भाई. मुझे claim reject के time रोना अगाया था.😢
Bhai 1 cheej btao, ye star agar itna jyada incurred claim.ratio de rhi hai, to khud kya kma rhi hai, aur kya ye business k liye baithi hai ya free me help.k liye. Wrong information hai ye. Jo company 70% se jyada incurred ratio dikhati hai, to wo kamayegi kya?? Aur kamayegi nhi to chlegi kaise?? Be practical and plz share right information.
Yes absolutely right star health has the highest market share if you see HDFC it has the similar incurred claim ratio…. Company paise ko invest bhi karti hai for extra income source….
Ek saal ka jyada ICR doesn’t matter in a long run it was high due to corona pandemic…..during corona claim was high then how come Care has low????
HDFC ka percentage tumne PDF edit kar k remove kar diya. Uska bhi percentage dikhaav to pata chale.
My experience with star health insurance is very very bad and i will not suggest for it to any one
Let me know you experience may be i can help you …. 8850272062
Mujko bhi kuch esa LG rha hai ki care se time se niklna cahie, eese phle der ho jae😂😂😂
Care is the best company for the services, & care advantage is the best product as per today's medical expenses, & there is no high premium
Bhai kisi bhi company ka claim 99% nhi hai health mai
Mere paas 4 sal se star health hai mai port krna chaahta hoo kya krna thik hai
Aapki policy ko port karna hai ya fir nahin yah bahut sare factors pe depend karte Hain.
Get my personal advice for unbiased opinion 😊👍
Dnt buy from policy bazar
HDFC ERGO and Niva Bupa are best companies forever.. Definitely go with them👍🏻
They rejected my claim due to the address issue however I was given the correct address which is in my aadhar card also very bad company please don't buy this policy from care you will never get claim
Sirf address issue hi hua tha kya? Ya aur bhi kuch reason bataya?
Thoda explain karo, address ka kya issue hai?
there is a zone difference in care supreme agar aapne zone 2 ka address deke policy lia and originally aap zone 1 ke hai to claim nahi milega
@@girishgoel1122 that means it's a zonal policy not pan India basis
@@moushumi09 Policy is Pan India but pricing is Zone Based
Sbse jyada renewal charge hdfc ergo m badte h.....care is good
Absolutely
Yar aaj hi liya health care ka supreme plan. Koi batega ab kuch ho sakta hai kaya. 😢😢😢
15 days cancellation period hota hai to get 100% refund👍 if want i can help you✌️
If you had disclosed all your Medical Condition and after that if you have got your policy then my brother you are on the right place.
Achha policy ha.social platform mein baat sunke kuch mat karo
Aditya Birla active one kaisa h ?
I agree with you totally. All the companies do the same and that is how business run. That is what is Reliance does and everyone. But we have to look at whether they are settling the claims properly. Then this video would have been more useful. HDFC last year ICR ration was 97.47, then it very much likey there are going to increase their premium.
Please tell us which is the best health insurance company according to you.
i am not asking abt the other health Insurance, that is okay...!! but can you please explain me how come 196.55% is showing for Reliance Health Insurance ? Please be specific to the question .
kya Reliance Apne pocket se paisa de rahi hain apne clients ko ?
Nobody knows which is the best health insurance.
Making money with vlog
@@aqiqaqiq 2021-2022 Covid 2nd wave, may be lot people used insurance
Payment kaha karna he sir ??
भैया इस कंपनी की पॉलिसी कभी मत लेना मुझे हार्ड की प्रॉब्लम हो गई है अभी तक परेशान हो रहा हूं कंपनी से कोई क्लेम नहीं मिल रहाहै
Aap mujhse connect kar sakte hain
Sir everyone is doing their business...if service oriented then give free advice
You if want unbiased advice definitely it will be paid advice only …
If someone is giving it for free then they are selling the product.
I don’t sell any product.
you had not yet let my post get public, If you think you are fair with your review than let my post be on public platform and then will see how honest you are@@unbiasedramsingh
Star increase abt 40% in 2 plan with poor claim settlement
At least they have good IRC have you seen care ICR???😩
Laghta hai u have personal issue with care because let me tell u I HAVE HDFC , and HDFC HAS INCREASED THEIR PREMIUM BY HIGHER PERCENTAGE AS COMPARE TO ALL COMPANY
As a content creator and unbiased advisor i see all company equally.
U choose to go with the company who charges higher premium it was you decision.
In case of care i feel people should know about the future premium hikes.
Bcos please choose care just beside of low premium and this is called trap.
All companies are like brothers and sisters
Please bring strong data that how this and that health plan is not worth .....Don't waste our time
This video is almost a year old now people are facing problems Those who have already bought this. premium Hike are reality in this plan without change in age bracket
I think ICR is explained wrongly in your video
हाँ आपने ICR बताके महान कार्य किये क्यों की आपही महान हैं बाकि सबतो बेबकुफ़ हैं
Agar Log claim settlement ratio ki baat kar sakte hain to ICR ki baat karne mein Kya galat hai?