Yes I really like what DITTO INSURANCE is doing i.e. esp., helping the clients about the claims which is beyond suggesting & helping in choosing insurance policies
Max life is a clear winner with the rider benefits, they provide totally comprehensive disability benefits even due to sickness which is missing in other brands, HDFC premiums are way too high making it unreasonable
They lied with the pre medical tests that they performed which required 12 hour fasting and informed wrongly that fasting is not required. Came to know later and canceled the process in between.
Best discussion.. i saw on RUclips.. point to point discussion.. best luck man... I will love to see more such videos.. because its most important subject in everyone's life.. please guide us further... That you..
@Ditto All the insurance company will fall under IRDA rules , Why the claim will get reject for can you provide one example and We have section 45 not explained about that , Could please take this point in next video which will be helpful for all
I would like to request ditto insurance,if possible, to bring any underwriter (either from life insurance or health insurance) to know more insights & other side of the insurance
@@Av-fn5wx Hang on. ICICI is also shit. HDFC is just shittier. Both of them decreased ICR in covid years, means they reduced payouts. Best are Max Life, Bajaj Allianz, Kotak.
My expwrience with HDFC is pretty wierd. My daugter is in oil and naturalgas industry. They hiked premium from 18000 to 62000. I took it fromMax for same profile filling same form pertaining to job profile of oil andnstural gas thst hdfc got it from us. Max gave us the policy withiut any escalation in premium.
As Sushant said, if couple want to buy a single insurance then Bajaj had the option, but not only the Bajaj even HDFC Life click 2 protect super also having the option
nice explanation , said lastly claim settlement ratio of Sbi life saying around 94to 95 % where did he get the information from. I see its 97%+ from thier bal sheet. Is that wrong or your comment is right?
Sushant has been great, we need more of Sushant. The accelerated payouts that were mentioned in the video are more for terminal illnesses (illnesses that will cause death in 6 months) and not critical illnesses ( which may or may not lead to death). I am aware Acko is more of a new player and has lesser business volume or brand image, but still how would you rate them with respect to others?
Tata gives rider option of accidental permanent disability equal to base cover like you can get 2 cr plan.If you want..May be because of limited knowledge or reasearch I didnt find any other insurance company giving the same option.😅😅.. But anyways please read the full policy details before taking policy and declare your correct health condition and kind of job you are doing any hazards or such related to the job. You can also add in a lot of extra conditions to your policy when taking the policy...😅😅
Have a SBI eShield policy since 2013 for 1Cr. It will cover me till 65. Pretty cheap at 8k per year. HDFC made me run like a donkey back then and eventually rejected for some silly reason.
I was waiting for LIC when the top plans are all private players. LIC plans are more costly but I guess the peace of mind that they will honour the claim is worth having. Anybody who has experience with Lic claim please comment.
I needed to withdraw once in an emergency and LIC guys were my last go to option but you know what? They should be our first saviours. Not just due to the speed but they come down to a personal level and in my case, the branch head shared his number and took my calls and followed up till the settlement was actually done.
Please check now, LIC new tech term plans have reduced their premiums. It is now the cheapest term plan available in the market considering both private and public entities.
You are free to purchase your policy from any advisory platform, but when you buy any insurance with Ditto, we stand with you during the whole process of Claim Settlement.
My experience with Max life term buying online has been pretty bad i guess it's due to Ditto pushing hoardes of people to them. Pls choose Agent to help, as max has no advisor direct number to call. They keep asking irrelevant docs and keep your pending.
I have an Term Insurance in India , and now I am moving with my family to abroad for job. Will the claim be settled if incase any mishap outside India ?
I have 50L term already bought 4 years ago, now I'm getting married i want to enhance my term plan of 50L which will make 1 cr total, do i upgrade it or buy new plan of 50L from any other company will both plan be paid in future or one will pay
Hi Karan! We heard you:) While this video is on our pipeline, meanwhile, why don't you check out the link below for more information on Tata AIA SRS Vitality Insurance Plan joinditto.in/term-insurance/tata-aia/srs-vitality/ For any more queries, please don't hesitate to book a free-of-cost consultation call with our trusted advisors with the link in the description.
Return of Premiums plans (TROPs) are usually much much costlier than a simple term plan. And, a lot of charges are deducted before you get back your premiums. Hence, we don't usually recommend TROPs.
Rankings generally are given at the end...but ranking was given initially withour showing the numbers like CSR, ASR etc. Looks like a Paid promotion for HDFC life.
Hi there, To learn everything there is to know about Term Insurance, we recommend you watch this ruclips.net/video/qpwk8JW1CKo/видео.html Don't hesitate to reach out to us for top-notch and free advice at bit.ly/3usVa6G
Mam , please which one will be good?? I) LIC Tech term : Sum assured :- 75 L Policy term 40 yr, starting age 28, premium annually 15,600 ii) HDFC click 2 protect Sum assured 80L Policy term 52 years, starting age 28, premium annually 17,800 ????????????
Go fr LIC bcz LIC cover all death claim like - Tsunami, Earthquake, floods,war etc . But pvt company dsnt provide all these claim checkout term & condition
No company will ever close. If it closes some one will buy it out. I go for the lowest price. I recommend VANILLA PLAN at lowest price. HDFC is most stingy midical underwriting
A Critical Illness Rider pays a lump sum amount that can be used to cover high expenses and loss of income if you are diagnosed with a critical illness like Cancer. While Health Insurance will cover the medical expenses, the Critical Illness Benefit will provide you with a lump sum payout which can be used to support the family during this tough period.
I am 33 year old I want to sum assured 7500000 lakh we are necular family so i want that i that claim which give money easily I am confuses between lic and hdfc
He's not letting the guest to speak, there's no point in the podcast. And also he doesn't have a proper structure of asking the questions, he's just asking what ever comes to his mind 😅
Max life has the best Claim settlement in last 4 years . All these 4 years they are on #1 ~ Avg 99.35% , So Best team insurance.. Hdfc has improved from #13 to #3 in last 4 years.. Best brand value.. Bajaj has lowest premium with Good settlement ratio and highest solvency Ratio > 5.16x vs avg 2x These 3 should be considered based on priorities.. ICICI and Tata has no special advantage to even consider..
![VENEZUELA vs. ARGENTINA [1-1] | RESUMEN | ELIMINATORIAS SUDAMERICANAS | FECHA 9](http://i.ytimg.com/vi/SJfoPdeOPCQ/mqdefault.jpg)
Yes I really like what DITTO INSURANCE is doing i.e. esp., helping the clients about the claims which is beyond suggesting & helping in choosing insurance policies
Max life is a clear winner with the rider benefits, they provide totally comprehensive disability benefits even due to sickness which is missing in other brands, HDFC premiums are way too high making it unreasonable
They lied with the pre medical tests that they performed which required 12 hour fasting and informed wrongly that fasting is not required. Came to know later and canceled the process in between.
@@tranceravi7whom did you took eventually?
Best discussion.. i saw on RUclips.. point to point discussion.. best luck man... I will love to see more such videos.. because its most important subject in everyone's life.. please guide us further... That you..
Thank you so much!
@Ditto All the insurance company will fall under IRDA rules , Why the claim will get reject for can you provide one example and We have section 45 not explained about that , Could please take this point in next video which will be helpful for all
I would like to request ditto insurance,if possible, to bring any underwriter (either from life insurance or health insurance) to know more insights & other side of the insurance
Very nice podcast especially very good topic with great explanation
Host didnt let him finish about icici instead he jumped to maxlife
That is because hdfc is shit in comparison
Yeah, but why
It's a paid Collab 😂
@@HarmanHundal01 Thanks for this comment. Im taking ICICI then
@@Av-fn5wx Hang on. ICICI is also shit. HDFC is just shittier. Both of them decreased ICR in covid years, means they reduced payouts. Best are Max Life, Bajaj Allianz, Kotak.
My expwrience with HDFC is pretty wierd.
My daugter is in oil and naturalgas industry. They hiked premium from 18000 to 62000.
I took it fromMax for same profile filling same form pertaining to job profile of oil andnstural gas thst hdfc got it from us.
Max gave us the policy withiut any escalation in premium.
As Sushant said, if couple want to buy a single insurance then Bajaj had the option, but not only the Bajaj even HDFC Life click 2 protect super also having the option
nice explanation , said lastly claim settlement ratio of Sbi life saying around 94to 95 % where did he get the information from. I see its 97%+ from thier bal sheet. Is that wrong or your comment is right?
So can we have two term insurance plans. I will split 1cr into 50 lakh each for hdfc and max life ?
Sushant has been great, we need more of Sushant. The accelerated payouts that were mentioned in the video are more for terminal illnesses (illnesses that will cause death in 6 months) and not critical illnesses ( which may or may not lead to death). I am aware Acko is more of a new player and has lesser business volume or brand image, but still how would you rate them with respect to others?
Thanks! We shall pass on the appreciation! As for Acko, it's still to early to rate them. We'll just have to wait and see :)
Tata gives rider option of accidental permanent disability equal to base cover like you can get 2 cr plan.If you want..May be because of limited knowledge or reasearch I didnt find any other insurance company giving the same option.😅😅..
But anyways please read the full policy details before taking policy and declare your correct health condition and kind of job you are doing any hazards or such related to the job. You can also add in a lot of extra conditions to your policy when taking the policy...😅😅
Hdfc is least preferred because they charge heavy oremium on their name
Have a SBI eShield policy since 2013 for 1Cr. It will cover me till 65. Pretty cheap at 8k per year. HDFC made me run like a donkey back then and eventually rejected for some silly reason.
What's your experience with SBI till now hopefully you are sound and healthy
sbi paise nahi dene waala😊😊
Hey, is there any chance, there would be people who pass*ed away, their family didn't get the money? Thanks in advance
Which is best joint life policy in india
Why do you guys dont cover or talk about public insurance providers for health and terrm?
Excellent video n lot of valuable information. Keep up the good work guys..
I was waiting for LIC when the top plans are all private players. LIC plans are more costly but I guess the peace of mind that they will honour the claim is worth having. Anybody who has experience with Lic claim please comment.
I needed to withdraw once in an emergency and LIC guys were my last go to option but you know what? They should be our first saviours. Not just due to the speed but they come down to a personal level and in my case, the branch head shared his number and took my calls and followed up till the settlement was actually done.
very clear and crisp session ..
Is any review about india first term plan, join venture of 2 banks. Please help
Please check now, LIC new tech term plans have reduced their premiums. It is now the cheapest term plan available in the market considering both private and public entities.
Which plan did you suggest???? Also need help regarding term life insurance, getting confused.
Please make a video on TATA Ulip plans
what is difference between buying a insurance direct through max or through ditto or any agent? Will it affect my claim when I need it?
You are free to purchase your policy from any advisory platform, but when you buy any insurance with Ditto, we stand with you during the whole process of Claim Settlement.
Very Informative Episode ! and as always Sushant is very clear about Term Insurance advocacy.
Sir ji, astounding episode. Pls come out on : Best family health insurance.
Thank you, we'll be covering this topic in future videos :)
I'm having aegon term insurance, purchased 6 years ago, it doesn't feature in the top 5 companies. Can it be ported or what to do now
Hey! Talk to us & we'll help you- bit.ly/4787WoW
My experience with Max life term buying online has been pretty bad i guess it's due to Ditto pushing hoardes of people to them. Pls choose Agent to help, as max has no advisor direct number to call. They keep asking irrelevant docs and keep your pending.
So you bought Max life only?
very good video. clean explanation and genuine cross questions. would have loved similar contents for 6-10th policy as well
I have an Term Insurance in India , and now I am moving with my family to abroad for job. Will the claim be settled if incase any mishap outside India ?
Yes claim given exclude 4 countries l
Very informative ❤
Sir at age of 45 with income 7lakh yearly can buy ??
In this video, They totally ignored feature details of TATA AIA insurance in conversation.
TATA AIA is shit
@@prathameshrode6852explain
Best video . Very well explained 🎉
On the NRI side what if someone buy a term insurance in india and after 1 or 2 years they move abroad in that scenario how is the plan considered
Hey there, We have a video coming on this exact topic very soon. Stay tuned :)
I have 50L term already bought 4 years ago, now I'm getting married i want to enhance my term plan of 50L which will make 1 cr total, do i upgrade it or buy new plan of 50L from any other company will both plan be paid in future or one will pay
Hey! We'll need more details. Talk to us for FREE & we'll help you out- bit.ly/4787WoW
Canara robeco best term insurance
Lowest premium
Every canara bank will work as agent
A detailed video on Tata aia SRS please.....
Hi Karan! We heard you:)
While this video is on our pipeline, meanwhile, why don't you check out the link below for more information on Tata AIA SRS Vitality Insurance Plan
joinditto.in/term-insurance/tata-aia/srs-vitality/
For any more queries, please don't hesitate to book a free-of-cost consultation call with our trusted advisors with the link in the description.
LIC Tech Term is the best term plan
Is rider option like CI, AD, TI, spouse cover available for NRI policy?
LIC is expensive because they retain higher SA while pvt. Players transfer their risk to REINSURERS
What about LIC ..there is one policy in lic we will get return of premium.. expecting
a reply..tq in advance
Return of Premiums plans (TROPs) are usually much much costlier than a simple term plan. And, a lot of charges are deducted before you get back your premiums. Hence, we don't usually recommend TROPs.
What about lic term plan
LIC waste
IF I AM DIABETIC AND AGE AROUNF 38YRS, WHICH IS PREFERRABLE
Take an account with icici and then opt for Health sheild 360 plan
It's good session
Thank you 🙏
Rankings generally are given at the end...but ranking was given initially withour showing the numbers like CSR, ASR etc.
Looks like a Paid promotion for HDFC life.
DITTO means AGENTS of HDFC.
What is the eligibility for taking a Term insurance plan
Hi there,
To learn everything there is to know about Term Insurance, we recommend you watch this ruclips.net/video/qpwk8JW1CKo/видео.html
Don't hesitate to reach out to us for top-notch and free advice at bit.ly/3usVa6G
Mam , please which one will be good??
I) LIC Tech term :
Sum assured :- 75 L
Policy term 40 yr, starting age 28, premium annually 15,600
ii) HDFC click 2 protect
Sum assured 80L
Policy term 52 years, starting age 28, premium annually 17,800
????????????
Go fr LIC bcz LIC cover all death claim like - Tsunami, Earthquake, floods,war etc . But pvt company dsnt provide all these claim checkout term & condition
But LIC max policy term 40 yr, I will be covered max upto 68 ?? whereas in HDFC 80 yr
@@arjunboss4929 u dnt need to cover age of 80, cover just 60-70
Bajaj is also a good option, they cover till 85 years of age with a competitive premium.
Hey! We'll need some more details- feel free to talk to us & we'll help you out- bit.ly/4787WoW
How to get term insurance for non graduate person?
Can i buy term insurance for family and is it worth than to buy for an individual?
Hey! While there are a few joint plans in the market, there is a lot to know. So feel free to talk to us FREE OF COST to know more- bit.ly/4787WoW
Thank you guys so much for your service.
Anytime!
Useful
No company will ever close. If it closes some one will buy it out. I go for the lowest price. I recommend VANILLA PLAN at lowest price. HDFC is most stingy midical underwriting
Not someone but lic
Host seemed pushing max life
Good luck getting term insurance from LIC. Their agents will try everything to get you to buy higher commissions life insurance plans
Premiums r expensive
what about acko?
Worst
What an irony … education like graduate is required for term plan irrespective of income earned
Would you like to conduct this program in Hindi ?
Kick out LIC
What is the need of critical illness rider when we already have health insurance ??
A Critical Illness Rider pays a lump sum amount that can be used to cover high expenses and loss of income if you are diagnosed with a critical illness like Cancer. While Health Insurance will cover the medical expenses, the Critical Illness Benefit will provide you with a lump sum payout which can be used to support the family during this tough period.
Ditto is hdfc company....
Their Executive dont know what to sell
I am 33 year old
I want to sum assured 7500000 lakh we are necular family so i want that i that claim which give money easily
I am confuses between lic and hdfc
U can choose sbi life
LIC is a PSU so if has surety to survive till your life rather than any Private.
Even the company goes bankrupt still all those policies will transferred to other firm@@iBrandstore
@@iBrandstoreLic main kitna term insurancs hain apart from Lic tech term ance Jeevan Amar??
@@soumsgaming238 it has youva term which offers lowest premium rates
Looks Host is in hurry 😂
He's not letting the guest to speak, there's no point in the podcast. And also he doesn't have a proper structure of asking the questions, he's just asking what ever comes to his mind 😅
Why would someone want to cancel their insurance at the age of 50
Because they may have accumulated a big enough corpus for their dependents by then
If we consider Volume of business no company is even near to LIC 😂😂 This doesn't mean that LIC term insurance is best 😂😂
Max life has the best Claim settlement in last 4 years . All these 4 years they are on #1 ~ Avg 99.35% , So Best team insurance..
Hdfc has improved from #13 to #3 in last 4 years.. Best brand value..
Bajaj has lowest premium with Good settlement ratio and highest solvency Ratio > 5.16x vs avg 2x
These 3 should be considered based on priorities..
ICICI and Tata has no special advantage to even consider..
LIC ONLY
Anyone wont best insurance plan of industry please DM me
I think Max life is best
Ditto ...pls make vedio in Hindi language 😊
Why hindi and not in other languages then?
Hindi me v suru kijiye decision
हिन्दी में भी होता तो हिन्दी भाषियों को सुविधा होती .....
Sponsered by max life😂
bhai tum indian term plan bata rahe or english me bol rahe ho .. khud bhi pareshan ho rahe ho or matlab bhi nahi banta.
Lol @tataaia will not give for people with Thyroid
✅✅
Let him speak, ffs.
Hindi me bol lete angrez😂😂😂
Bhai bolne to de usko….😅 baat beech m hi kaat deta h
Feedback taken. We will work on this.
videos should be in hindi language
Please subscribe to our Hindi channel for dedicated videos in Hindi
Yar aap jan le lo hamari lekin hindi me😢
Max sponsored video. Champak. I’ll never watch your channel again.
Hindi me samjao na Bhai 😅😅
Hindi theriyadhu poda
@@DivakarRaj 😂
@@siva-subramaniam Intha vadakkans tholla Thaangale.. enge ponaalum Idhe Kosu tholla
There are videos in Hindi, you can search or better Learn English, don't expect everybody to explain it to you in Hindi..