my term insurance application is repeatedly getting rejected due to personal and family medical history. should I try for term insurance after few years or go for ulip plan
Great video by LLA. Mai apna Experience share karna chahunga jaha mujhe 5 lakh ka claim reject kar diya jata agar mai LLA ka video dekh ke aware nhi hota. 15 march ko mere pita ji hospital me admit hue, Niva Bupa ka insurance tha maine TPA desk me diya processing karne ke baad cashless approval aagyi. Treatment chalu hua, initially laga 2-3 din me discharge de denge. Situation aur critical hone laga har roz bill amount 70 K aane laga, Ab mere pass health insurance hone baad bhi hospital mere family ko cash deposit karne ko bol rahi thi. Yaha pe mai samaj gaya ye log humlog se paise lena chahte aur reimbursement karne ko bolenge. Maine bhi TPA me bol diya ki NIVA Bupa agar cashless approve kiya h to paise kis baat ke aur Niva Bupa agar reject kar diya h to mujhe letter do baad me dekhta hu. Ese karte karte 04th April ko father ka death ho jata h. Niva Bupa ka base plan bahut pehle comsume hogya tha maine hospital ko baar baar bola tha top-up policy se approval maango. Hospital ne ignore karte rahe. Jis din death hua usdin hospital ne topup ke liye approval manga Niva Bupa se. Niva Bupa without any reason reject kar diya. Maine dekha mere email pe do claim no aaye the. To duplicacy ke ho sakta h ek reject kiya ho. Abhi bhi ek claim ka approval nhi aaya tha. Bahut baar phone kiya unke consumer care me koi thik idea nhi de pa raha tha. Hospital to reject claim aane ke baad shuru hogya ki aapka reject hogya h claim. Maine unko kaha Maine payment kardiya uske baad approval aagya to mere paise refund honge, hospital se kaha nhi refund nhi honge humlog niva Bupa ko mail kar denge ki ye bill close hogya h. Main subah 8 se dopahar ke 2 baje tak wait kiya. Last me 5 lakh rupees payment kar di. Discharge leke formality karke ambulance me nikal gya. 3 baje ke karib Ek message aaya mobile me ki 3.5 lakh ka approval hogya h. Us samay mai kuch nhi kar sakta tha. Sab kriya karm ho jaane ke baad 8 April ko maine reimbursement ke liye file kiya. Reimbursement me NiVa Bupa bol rahi h humne to cashless de diye h aapko 3.5 lakh Maine kaha Maine payment kiya h 5 lakh. To niva Bupa boli hospital se aap wo 3.5 lakh ka claim cancellation letter le aao 20 din ke andar nhito reimbursement reject ho jayega. Hospital mere cancellation letter nhi dena chahti thi. Maybe wolog dono side se paise kamana chahte the. Ye mai kolkata ka bara superspeciality hospital ka baat kar raha hu. Har baar wo log bolte kal dunga parso dunga. Mai telephone pe sab record karta raha. Maine mail kiya koi reply nhi diya. Mail me niva Bupa ke taraf se cancellation letter maanga wo bhi bataya. Maine hard copy me bhi letter likha with all supporting documents. Koi fayda nhi. 24 April hogyi maine socha ab consumer forum jaake cheating ka case karna parega. Lekin uske pehle grievance cell me mail kiya with all proof. Grievance cell ka hill gya ki itne saare communication ka koi reply nhi diya gaya h udhar se mujhe phone aaya usi din mere cancellation letter mila. Maine niva Bupa ko diya cancellation letter 24 April ko mera paisa wolog 15 may ko diya. Uske baad Niva Bupa ka torture chalu hua. Jo disease mere pita ji ko nhi tha wo sab leke mere locality me ulta sidha bolna shuru kiya mere se long statement liya sabke baare me. Jab ki investigation base policy ka ekbaar hogya tha hospital me hi. Phirse dobara topup policy ke liye same investigation kar rahe the. Phir ek din wolog ne hadd paar kardi. Mere ghar ke pass aake ulta sidha bol rahe the. Maine kaha abhi maarunga tere bahut bardast kiya hu. Pita ji ke maarne ke baad tera bakwas nhi sununga. Jis din usko dhamki diya uske 5-7 din baad final settlement letter de diya. Bahut behuda investigation karti h niva Bupa premium lete samay le leti h, claim pass karne me inki amma marti h. Inka investigation 25 din chala. Last me 15 june ko mereko final settlement letter mila. Bill mera 17 lakh ka hua tha hospital se 12 lakh base policy se aur 5 lakh topup se reimbursement karaya. Thank to LLA insurance ke baare me itna aware tha tabhi 5 lakh ka reimbursement mila nhi to dusra koi aadmi hota to haar maan leta. Mai jaanta tha iske liye mujhe ladna parega. Ladne ke liye LLA se bahut inspiration mila. Ye bhi batana jaruri h mere pass us samay 6 lakh Rs the including shares. Ghar me 5-6 lakh aur the. Baki sab paisa pitaji ke account me tha jiska koi ATM CARD nhi tha koi net banking nhi tha aur koi UPI nhi tha pura paisa atak gya tha. In fact account me koi nominee bhi nhi tha. Health insurance hone ke kaaran financial problem nhi aayi. Nhi to humlog bahut bure situation me fass jaate
Absolutely loved the straightforwardness, Logical approach, the setup, background score & most importantly the whole content.👍🏽 I have seen this channel grow from past so many years & wish more success to your team.✌🏽 You guys are actually being transparent & clear about your suggestions & not like others who leave the audience in ambiguity. Thanks a lot for all the informative videos & all the efforts. Keep growing and doing such a great job.👏🏽
Went to so many channel and even some of the popular ones are not explaining everything and somewhat making me confuse but this channel is all you need for money related things and Mandeep is legend. His extensive research and easy to explain ability just nails everytime.
I am using Tata AiA, the experience has been smooth so far. The best thing I like that they Give Practo Annual membership for free, Which makes the premium worth it. I feel like I am getting something extra out of my term insurance orher than security.
Mandeep Bhai aap jo information dete ho isse bahut help hota hai. Kuch din pahle hi Bank Gaya tha wo apna policy chipka rahe the fir aapke bataye sare topic aur calculation unko pucha to unki bolti band ho gai
Mandeep bhai you didn't mention the most important feature of insurance. Please refer section 45 of insurance act. It clearly specifies that after 3 years of taking insurance or revival, no insurer can repudiate the death claim. So if any insurer rejects your claims after 3 years of policy commencement, you just go to court and quote section 45. But it is a usual practice with private insurers to reject the claim even after 3 years of policy commencement, ignoring the section 45 of insurance act(since many customer are not aware of this section and very few customer take legal action against insurers for rejecting claims) While LIC straight forward pays the claim(whatever amount) if death has occurred after 3 years of policy commencement.
@@nokiaairtel5311 I'm a Manager in LIC and insurance is a very deep subject. I have studied insurance in depth. You will not find everything in video, you can simply search on google regarding this. And one thing I recommend to everyone that never blindly trust any video. All these influencers are biased and paid by companies.
Good one Mandeep. I am glad you collaborated with Policy Bazaar. You are a few of those influencers who don't do unnecessary advertisement keeping your credibility. Huge respect 🙏🙏🙏
The good and valid point is to get full body check up every six months to maintain the health details to the point and accurate. Very well and detailed explanation and information. 👍
Taking Term Insurance means you cant do anything (Drinking, Adventure Rides) + additional maintenance of health records to prove cause of death. 99% people will not follow this in practical and if 1% people maintain all those then also its not guaranteed that the claim will pass easily by just submitting the form. I think good investment in Mutual Fund/Stocks + Health Insurance are much better then Term Insurance, as the Term Insurance are also become very expensive after COVID.
Sir, please check onto the dedicated policies for cancer care, heart care etc. these options are much more better than taking the critical illness cover in term plan. Would request you to please make a dedicated video on this since there is no awareness in this topic. Please do the needful.
Absolutely genius work guys. Mandeep you are really too good with your research and understanding of the topics. Hats Off guys. You are doing a great job !
You can thank me by saying Jai shree Ram .. 😃 1. Instead of buying 2 cr policy from one vendor break it into 3-4 policy of 50 lacs.. then probability of payout becomes 100% why.. i have seen the data where even big companies try to reject the policy of higher amount but they tend to pass small amount without creating any hassle .. unko 1-2 crore jyada lagta hai so usually they pass 30-40lacs with 100% CSR .. so buy 3-4 policies from 3-4 vendors and cover milega aur claim bhi pass hoga.. 2.. There is a regulation where if any indian insurance company doesn't reject any policy within 3 years of first issuance of the policy where they were to identify the bad intentions of customers like frauds, minor health condition etc. then companies are liable to pay the money.. irda says you had 3 years to investigate if you have failed to do so then you have to pay.. exact wordings yaad nhi .. par 3 years wale clause k saath ek regulation hai ...
Look at the drawbacks for LIC he have given in video: 1.) Online form he is not getting easily?, because LIC focuses more on offline based structure. 2.) UI for LIC online platform is not good, yes because they focuses on everything on offline based. 3.) RIDERS are all available. It is pure sponsored video from policy bazaar but very nicely presented.
Mandeep 1 year ago - Claim settlement ratio is useless, see claim settlement by amount… Mandeep Now - Claim settlement by amount and all are useless… 😅😅
I literally took Term Insurance today( for future viewers, the day video was launched) after watching Mandeep's other videos. I am glad with my decision. Thanks Mandeep and thanks LLA.
Desr LLA Team mein bata nahi sakta ki i was about to take Term plan or mujhe apke iske video ko dekhne ke baad 1% information ki or jarurat hai....Aap ki team ko lakh lakh Dua or pyar..keep doing great job.thanks
😅 I took Term Insurance from Policy Bazaar after watching your previous Term Insurance guide video just an hour ago. Hopefully this video doesn't make me regret 🥹 --------------------------------------------- I indeed made a good purchase, this video and their other insurance guide video, are the only videos anyone would need to get complete clarity about insurance and term insurance in general. They're very detailed, Mandeep has explained pretty good. Follow everything to the point, you'll be set.
@@shepuchibhajiTook HDFC Life, followed every instruction of Mandeep 😅 I guess I made no mistake. But yeah please choose according to your condition. I'm 23, my premium is satisfactory and after talking with agent I got all my doubts cleared. Also clearly informed I want in-person physical examination. It is yet to scheduled. LLA Rocks ❤️🔥
I struggled like anything for 6 months with Max life insurance to add a rider to my term insurance. Their service was so bad that I couldn't add a rider and ultimately had to stop paying it. Policy bazaar openly says they will help, but they didn't. So I have stopped believing all these scammers. They are here only for our hard earned money.
भाई मंदीप, मेरी आत्मा को शांति देने का धन्यवाद l मेरी age 40+ है मैंने TATA का term plan लिया था और उसे कैंसल करना पड़ा, लेकिन मुझे आज भी एक बात सताती है कि tata का term plan लेने के बाद मेरा मेडिकल checkup बिल्कुल सही गया लेकिन, मेरा annual premium amount बिल्कुल डबल कर दिया और tata AIA ने reason दिया "elevated level of enzymes" जो सभी दूसरे doctors ने बिल्कुल नॉर्मल बताया। क्या उस पॉलिसी को cancel कर ठीक किया? मुझे LIC की policy मे बहुत बड़ा dokha हो चुका है जिसका पता मुझे बहुत बाद मे चला। आज की डेट मे मेरे पास कोई पॉलिसी नही है। Please मुझे reply कीजिये
Thanks for this video. Your 1st line about "Claim Settlement Ratio" clinched it as that was exactly what I was shown and I didn't agree with the advisor. Your video has given us the ammo we customers need to fight ridiculous proposals from agents and also basis this decide which agents are good (trustworthy) and who are not. Thanks for this! Keep us the good work.
What about Section 45 of the Insurance Act? It says that any insurer cannot deny claims for any insured after the initial 2-3 years (Except in fraud cases). All insurance companies will surely thug you but you need to maintain all the records correctly to avoid claims getting rejected.
I think no one should take risks in terms of life insurance, only go with a reliable company like LIC. But don't take it through Agent. Take it through online mode. I took the LIC tech term plan (now known as the New tech term plan). All the formalities got completed in just 1 month. It costs me 10178 Rs per year for a 1 cr plan at the age of 26. Note: Now the plan price might increase.
One piece of advice for all policy buyers from policy bazaar, don't purchase a policy on call if the executive insisted. Wait do some research, compare and then go for it. If by mistake you buy the wrong policy you can switch it before issuance of it and cancel it. They mentioned 30 days freelook cancellation period. In that free look cancellation if you cancel the policy then you have to pay the stamp duty, GST, and body check-up charge if any. They will not refund the full amount. Also be aware that if you are insisting on a specific insurance company from a policy bazaar, then there is a company-wide team to sell policies from a policy bazaar like ICICI and Max Life. It's my observation and I faced one bad experience from Policy Bazaar. If you want to buy a policy then they will call back to back. Once you buy and raised some issue against them they never call back to you. Every time you have to request a callback.
Same brother, Today only the guy was forcing me to take saying, sir isde jyda jaane ko kuch ni h maine link bhej dia h kaise payment kroge, maine bola bhai force mt kr to usne seedha call kaat dia. Policybazaar wale aise show krte h ki ye koi commission ni le rhe h charity kr rhe h. Bhai tumhara business h, tum profit bna rhe ho eshan ni kr rhe. Upr se koi competition ni h tumhe. Bhut tang krte h bhai ye pr fr LIC me agent pe kaise bhrosa kre wo bhi h..
Yhi same mere sath bhi hua mene policybazaar se Tata aia ka Ulip plan liya or free look period me cancel kiya to bhi 4841 me se muje sirf 1237 rupye refund kiye
This video and last one on Term Insurance,both are VERY INCONCLUSIVE. You should have listed the preferred companies as per your filter criteria. But definitely 👍👍
He did mentioned 3 companies....HDFC, Max life and Tata....... further more you can identify the best policy from these based on that one additional step which he suggested at the end
Hi mandeep, main bahot time se aapko follow krta hu aur aapke channel se information lekar he Term plan purchase kia tha. POLICY BAZAR ME AISE UNEDUCATED LOG BHARE HAI .Maine HDFC ka Policy lia tha Policy bazaar, ek saal baad pata chala muze 1cr tak coverage mil sakata tha lekin Salesman ke half knowledge ke wajh se 50 lacs ka coverage mila. IRDAI me complaint kia tha per uska koi use nahi hua cause 1 saal tak premium paid kiye the. Is saal old policy close kia wo Max ka Policy direct company ke website se lia 1.3cr ka. Policy bazaar Salesman Commission ke liye koi bhi had paar kr sakate. Back ke raho Policy bazar se! Note- Policy coverage hai wo aapke Gross salary per rehta hai, Policy bazaar Dalal ne Net salary per he rehta hai bolke coverage kam dia tha
Mandeeps view on LIC tech term is absolutely ON point.. The website and interface is so obsolete.... I have this plan but the struggles to get this was real....imagine requesting OTP like 10 times just to access the form page ...you bet my exposure to windows 98 came to help,,, felt like a Spartan the day policy was approved... PS I applied for this in July 22 and the policy camw in force in Nov ...
Hi Could you tell us more about pre policy check up..please Will there be physical examination or only blood tests, xray, ecg etc? Who will pay for this? How long did it take to complete the checkup and issue the insurance?
As per my experience. Insurance company will pay for physical medical test. After that they will review your proposal form and medical records. Later they may ask few clarification After that they will issue policy.
Thanks ... Maine is channel se bhut kuch sikha hai aur implement bhi kiya hai... Bs jab maine health insurance wala video 2 saal pehle approx us time wo zaroori nhi laga tha but kyunki ab income source badh gya hai to soch rha hai term hai hi, health bhi le loon, please ek health insurance pe bhi bana do please...
Thanks for the video. I purchased a term insurance last year and your older videos helped me a lot in deciding the insurance company i wanted to go with. I got max life. For someone who wants to secure their wife and children, i would recommend taking insurance under the MPWA 1874.
@@AKASHSHARMA1994 correction, its MWPA 1874. In short, the policy amount will be paid to your wife/ children. No bank or financial institution can claim the amount even if you have debts.
Policy bazaar has improved a lot and u can turn off promotional calls from settings of app or deny permission for it I recently bought car insurance and the experience was great 👍 policy bazaar is good
Thank you for your deep drilling on this important decision making topic. Particularly your points of maintaining medical records every six months and sharing with family gave me the true peace of mind and a closure on this brain storming topic by making it a simple yet powerful routine. I also deeply appreciate that once you keep tabs on imp topics you follow it and share your views, facts and findings.
Thank you for this video. It was really Insightful. I am currently in the process of finding a term insurance for myself. This video has surely helped me. And the big take away for me is to do full body medical checkup every 6 months or 1 year. And store that in a file or on drive.
Hi Mandeep and Rishab, I have some questions about Mutual Funds (Any type of Fund e.g Index, Flexi, etc) 1. If I invest in MFs through Zerodha Coin, Upstox, Groww, Angel One, then my all holdings will store in my Demat Account and If I invest in MFs directly through MF utility/ AMCs websites then it will store in Statement of Accounts (SoA). Correct or Not? 2. Can I transfer all my MFs holdings (including Index, Flexi, ELSS etc) from my one demat account to my another demat account, (Both CDSL to CDSL, NSDL to NSDL, CDSL to NSDL or vice-versa) or is there any tax on that or not ? 3. Or is transfer possible for both types, means SoA and Demat Account? Please brother help me. Thanks!
1. MFs bought from Coin app (and most likely upstox) will go tp your demat account (cdsl) and almost all other apps liks groww, kuvera, etmoney will go to SOA. Not sure about angel one as i havent used it. 2. In theory, transfer of securities between 2 demat accounts is possible, both cdsl to cdsl and cdsl to nsdl (vice versa). But in practice the process is super abysmal, tedious, and frustrating. For CDSL, you can start by making and "easiest" account on their website and from there you can transfer securities. I have tried doing that but for me it didnt work, CDSL didnt send me the login credentials for my account and i couldnt move forward at the time. 3. i dont transfer between soa and demat is possible
@@LabourLawAdvisor Thanks brother! 1. I understand that where my holdings will be stored if i invest through coin, groww etc. 2. Great! means whether the process is tedious but I can transfer my shares (stocks) and MFs holdings to my another demat account from my existing demat acc. --Is transfer of shares and MFs taxable or not? 3. I cannot understand what you said brother, I asked that can I transfer my MFs holdings SoA to SoA, SoA to Demat or vice-versa? Btw, Thank you brother for the help in the previous problems!
@LabourLawAdvisor Nice Work! Please make a conclusive video for health insurance aswell. We need a decisive product which we can subscribe for a Long tenure and sleep well each night :)
Hi Mandeep very informative video. I have 2 questions. 1. What if I starts smoking/drinking 10 years after taking policy? Will my claim be rejected? 2. From Which company did you take policy😅?
Term u mean term insurance ? Its always advisable that u never ever try to make money from ur life/term insurance, so u should not take ulip like term insurance ever
I will turn 29 in the next 9 days and researching term insurance actively, Thanks to LLA and another good finance influencer. This is a good video, and Mandip is undoubtedly the best regarding insurance knowledge on YT. To my fellow "Jaagruk Janta" as this is a sponsored video Mandip cant mention other portals for apparent reasons but before buying insurance check their official website you might get better offers than another 3rd party like Policy Baazar etc, Do finalize what you want from Policy Baazar they have an excellent platform to compare various policy available. (If you are interested I have bought TATA AIA Maha Raksha Supreme with an Accidental disability rider if not this HDFC Life Click 2 Protect Super was the one I was considering secondly). All the best, buy your insurance early :). Major support LLA
Hey guys! There's a random grey blob in some parts of the video, near the lamp. Please ignore that. Todha edit me idhar udhar hogayi layers, Agli baar se dhyaan rakhenge! 🙈 - Rohan & MMM
Mandeep kya mujhe 1cr k term plan k saath bhi health insurance plan lena chahiye kya ? Mene recently tsta aia vitality term plan liya hai 1cr ka apki last term plan wali video dekhne k baad
Hi @Mandeep, when choosing a company, should we also factor in our location and offices of these company within the city of residence? For example, where I currently reside, there is only one Maxlife office available, whereas ICICI and HDFC have a wider presence with multiple branches. However, I have a strong preference for Maxlife despite their limited physical presence in my area.
Thank you Mandeep. Thanks for educating us regarding insurances in such a clear way. Your explanation really has a good data structure and this makes your channel different and unique from that of others.
Is life or health insurance a scam for those who have no dependents? I'm 22 years old working in IT sector. Parents are government employees with health insurance. I'm also thinking of shifting abroad.
Hi, Mandeep, LIC has launched Dhan Vriddhi Policy ( Plan 869 ). In which they have mentioned guaranteed returns. Can you make a video on Dhan Vriddhi policy VS Nifty Index Funds? I think if we invest in Nifty index Fund for 18 years assuming Nifty will give 10% returns / annum, then one can make excellent returns than LIC's Dhan Vriddhi Policy. Thank you.
you are comparing Mango with Potato. Like Mango generally teste sweet, same way is nifty. But sometimes Mango also taste sour because of the season or other factors, same is with nifty if you prematurely pluck it. Potato is Guaranteed Returns. It will taste the same throughout the year, no matter what season it is. Throughout the world, it will taste the same. We need both Mango and Potato in our diet for a healthy living. LIC Dhan Vriddhi is giving higher interest rate than Bank FDs. That's why it is a closed ended plan which is available for sale only upto 30/09/2023 My advice to you will be to invest in both if you have funds. If you have a limited amount of money, then choose according to the season of your life
@@mrshankha88 Bhai some what ur right but it's a win win for all Mera hesab se bcoz ab policy bazaar vale bhi apko koi bhi policy nahi sale kar payega.. like now we all have multiple parameters to judge a company and also know from where to get accurate data with government approved numbers...and ese m kuch fayda inko mile so what's worng in that it's a win win u get right policy and policy bazaar get some business.
Sir please make a video on MLM scam !! People are not understanding the scam, and even sensible persons are following such schemes. Please make a video about it. And give a solution.
Sir I am watching LLA almost 3 years and you're doing amazing job👍👏 Sir I am from Maharashtra in my area(near Pune) soft drinks are sell more than MRP price ,the bottle I purchase is 600ml and MRP is 40 rs on bottle but he said 45 rs for “cooling charges " when I told him why should I give extra 5 rs, his rudely say “ cooling charges lagta hai lena hai to lo " Sir my request is plz do a video on this topic 🙏
Is Tata Smart Sampoorna Rakhsha a Good Term Plan… Please reply as I one of an oldest subscriber pf your channel and learned a lot from your videos. Keep It Up Brother.❤
Perfect point sir where these sales person give you false no's saying that you will receive so and so amount and when we actually see the benfits its really a waste of money we even buy these policies, I was also scammed by Bajaj Allianza sales person in buying such policy about 8 yrs now when I check the actual amount that I would get was just 2L , but when they sold the insurance they said after 10 yrs I would get a amount of 7,20,000 So I guess the customers who buy these policies should be more aware of these kind of scams that they do from the sales target reaching perspective
People should buy insurance from directly from companies website. There they get huge discount on premiums & all information too. Since you are money minded you are earning some money for policy bazar but if 10% viewers bought policy from policy bazar than imagine how much amount of money of people you will waste for policy bazar commission. That you don't bother because you are money minded.
[2] QUANTITY :- Pvt-total (23) ka Claimed Policy-qty more than 2Lakh hai, jbki yahi qty LIC ka morethan 13Lakh hai. On other hand, Pvt-total (23) ka Claim Repudiated qty around 4000, jbki LIC ka more than 8000 only. STRENGTH:- Pvt-total (23) ka Total Life-Fund = 5.5lakh-Crore appx. LIC = more than 26lakh-Crore. Can u imagine the figure ??? AUTHENTICATION :- Apart from the statistics, the "most-imp" point is that LIC is the ONLY institution in entire PSUs of India which has Sovereign-Gaurentee (Section-37), which means it is the ONLY institution in India which is 100% Gaurenteed from Gov't of India. Even banks also not hv this gaurentee.
Mandeep bhai ik video es topic pe bhe lao... 1. Insurance companies kiss kiss death cause main paise nhi degi. 2. Insurance companies kitne time ke baad claim reject he nhi kar sakti jaise bola jata hai 3 year ke baad claim reject ho he nhi sakta jabke apne koi jooth bhi bola ho tab bi.
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Buy Term Insurance from Policy Bazaar 👇
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my term insurance application is repeatedly getting rejected due to personal and family medical history. should I try for term insurance after few years or go for ulip plan
Can they investigate our social media profile for our lifestyle like drinking or smoking?
@@atanubhuniya929 yes
1:02 amazing intro graphic!
⁷⁸88
Great video by LLA. Mai apna Experience share karna chahunga jaha mujhe 5 lakh ka claim reject kar diya jata agar mai LLA ka video dekh ke aware nhi hota.
15 march ko mere pita ji hospital me admit hue, Niva Bupa ka insurance tha maine TPA desk me diya processing karne ke baad cashless approval aagyi. Treatment chalu hua, initially laga 2-3 din me discharge de denge. Situation aur critical hone laga har roz bill amount 70 K aane laga, Ab mere pass health insurance hone baad bhi hospital mere family ko cash deposit karne ko bol rahi thi. Yaha pe mai samaj gaya ye log humlog se paise lena chahte aur reimbursement karne ko bolenge. Maine bhi TPA me bol diya ki NIVA Bupa agar cashless approve kiya h to paise kis baat ke aur Niva Bupa agar reject kar diya h to mujhe letter do baad me dekhta hu.
Ese karte karte 04th April ko father ka death ho jata h.
Niva Bupa ka base plan bahut pehle comsume hogya tha maine hospital ko baar baar bola tha top-up policy se approval maango. Hospital ne ignore karte rahe. Jis din death hua usdin hospital ne topup ke liye approval manga Niva Bupa se. Niva Bupa without any reason reject kar diya. Maine dekha mere email pe do claim no aaye the. To duplicacy ke ho sakta h ek reject kiya ho. Abhi bhi ek claim ka approval nhi aaya tha. Bahut baar phone kiya unke consumer care me koi thik idea nhi de pa raha tha. Hospital to reject claim aane ke baad shuru hogya ki aapka reject hogya h claim. Maine unko kaha Maine payment kardiya uske baad approval aagya to mere paise refund honge, hospital se kaha nhi refund nhi honge humlog niva Bupa ko mail kar denge ki ye bill close hogya h. Main subah 8 se dopahar ke 2 baje tak wait kiya. Last me 5 lakh rupees payment kar di. Discharge leke formality karke ambulance me nikal gya. 3 baje ke karib Ek message aaya mobile me ki 3.5 lakh ka approval hogya h. Us samay mai kuch nhi kar sakta tha. Sab kriya karm ho jaane ke baad 8 April ko maine reimbursement ke liye file kiya. Reimbursement me NiVa Bupa bol rahi h humne to cashless de diye h aapko 3.5 lakh Maine kaha Maine payment kiya h 5 lakh. To niva Bupa boli hospital se aap wo 3.5 lakh ka claim cancellation letter le aao 20 din ke andar nhito reimbursement reject ho jayega. Hospital mere cancellation letter nhi dena chahti thi. Maybe wolog dono side se paise kamana chahte the. Ye mai kolkata ka bara superspeciality hospital ka baat kar raha hu.
Har baar wo log bolte kal dunga parso dunga. Mai telephone pe sab record karta raha. Maine mail kiya koi reply nhi diya. Mail me niva Bupa ke taraf se cancellation letter maanga wo bhi bataya. Maine hard copy me bhi letter likha with all supporting documents. Koi fayda nhi. 24 April hogyi maine socha ab consumer forum jaake cheating ka case karna parega. Lekin uske pehle grievance cell me mail kiya with all proof. Grievance cell ka hill gya ki itne saare communication ka koi reply nhi diya gaya h udhar se mujhe phone aaya usi din mere cancellation letter mila.
Maine niva Bupa ko diya cancellation letter 24 April ko mera paisa wolog 15 may ko diya. Uske baad Niva Bupa ka torture chalu hua. Jo disease mere pita ji ko nhi tha wo sab leke mere locality me ulta sidha bolna shuru kiya mere se long statement liya sabke baare me. Jab ki investigation base policy ka ekbaar hogya tha hospital me hi. Phirse dobara topup policy ke liye same investigation kar rahe the. Phir ek din wolog ne hadd paar kardi. Mere ghar ke pass aake ulta sidha bol rahe the. Maine kaha abhi maarunga tere bahut bardast kiya hu. Pita ji ke maarne ke baad tera bakwas nhi sununga. Jis din usko dhamki diya uske 5-7 din baad final settlement letter de diya. Bahut behuda investigation karti h niva Bupa premium lete samay le leti h, claim pass karne me inki amma marti h. Inka investigation 25 din chala.
Last me 15 june ko mereko final settlement letter mila.
Bill mera 17 lakh ka hua tha hospital se 12 lakh base policy se aur 5 lakh topup se reimbursement karaya.
Thank to LLA insurance ke baare me itna aware tha tabhi 5 lakh ka reimbursement mila nhi to dusra koi aadmi hota to haar maan leta. Mai jaanta tha iske liye mujhe ladna parega. Ladne ke liye LLA se bahut inspiration mila.
Ye bhi batana jaruri h mere pass us samay 6 lakh Rs the including shares. Ghar me 5-6 lakh aur the. Baki sab paisa pitaji ke account me tha jiska koi ATM CARD nhi tha koi net banking nhi tha aur koi UPI nhi tha pura paisa atak gya tha. In fact account me koi nominee bhi nhi tha. Health insurance hone ke kaaran financial problem nhi aayi. Nhi to humlog bahut bure situation me fass jaate
May your father's soul rest in peace
Wow bhai sahi time pe aapka comment padha niva bupa ka plan almost le hi liya thaa
Bhai hospital kons tha ? Hame bhi pata chale jara...
Please name the Hospital. We must know the Hospital to avoid them in future.
@@bhuiyadip Medica Superspeciality Hospital Mukundapur Kolkata.
SIR WE NEED UPDATED VIDEO ON HEALTH INSURANCE PLEASE. HEALTH INSURANCE IS WAY MORE CONFUSING THAN TERM INSURANCE.
+1
+1
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Bhai ye policy bazar me ek bar register kr do. To pareshan daily krte hai. Jabki in logo ne lika h no calls from our side. Kya yar 😅
Policyvazaar ya koi aur insurance company ke plans dekhne ke lie original number nahi FAKE number daalo. Kuch bhi daaldo OTP nahi mangte
Settings m option hota h ek, check krlo
Isiliye toh woh kehte hai ki Ab har Family hogi insure 😂 toh jab tak tum insurance nahi lete woh msg,email,call karte rehenge.
I blocked him
Random number enter Krna tha na
Absolutely loved the straightforwardness, Logical approach, the setup, background score & most importantly the whole content.👍🏽 I have seen this channel grow from past so many years & wish more success to your team.✌🏽
You guys are actually being transparent & clear about your suggestions & not like others who leave the audience in ambiguity. Thanks a lot for all the informative videos & all the efforts.
Keep growing and doing such a great job.👏🏽
Went to so many channel and even some of the popular ones are not explaining everything and somewhat making me confuse but this channel is all you need for money related things and Mandeep is legend. His extensive research and easy to explain ability just nails everytime.
I am using Tata AiA, the experience has been smooth so far. The best thing I like that they Give Practo Annual membership for free, Which makes the premium worth it. I feel like I am getting something extra out of my term insurance orher than security.
@yepsfringe5285 Its sampoorna raksha supreme, 1cr cover.
Mandeep Bhai aap jo information dete ho isse bahut help hota hai. Kuch din pahle hi Bank Gaya tha wo apna policy chipka rahe the fir aapke bataye sare topic aur calculation unko pucha to unki bolti band ho gai
Mandeep bhai you didn't mention the most important feature of insurance.
Please refer section 45 of insurance act. It clearly specifies that after 3 years of taking insurance or revival, no insurer can repudiate the death claim.
So if any insurer rejects your claims after 3 years of policy commencement, you just go to court and quote section 45.
But it is a usual practice with private insurers to reject the claim even after 3 years of policy commencement, ignoring the section 45 of insurance act(since many customer are not aware of this section and very few customer take legal action against insurers for rejecting claims)
While LIC straight forward pays the claim(whatever amount) if death has occurred after 3 years of policy commencement.
बिलकुल सही❤
LIC doesn't pay these influencers anything. Gussa to Inka hogahi...
Yes ye deliberately demote kar re h LIC ko infact that's reflected in Claim repudiation ratio k niche hone me
Do you have any video link regarding this.
I really wanna know more about this.
@@nokiaairtel5311 I'm a Manager in LIC and insurance is a very deep subject. I have studied insurance in depth. You will not find everything in video, you can simply search on google regarding this.
And one thing I recommend to everyone that never blindly trust any video. All these influencers are biased and paid by companies.
Good one Mandeep. I am glad you collaborated with Policy Bazaar. You are a few of those influencers who don't do unnecessary advertisement keeping your credibility.
Huge respect 🙏🙏🙏
He deserves more attention
But still in our country most people dont even think of taking term insurance plan.
The good and valid point is to get full body check up every six months to maintain the health details to the point and accurate. Very well and detailed explanation and information. 👍
Taking Term Insurance means you cant do anything (Drinking, Adventure Rides) + additional maintenance of health records to prove cause of death. 99% people will not follow this in practical and if 1% people maintain all those then also its not guaranteed that the claim will pass easily by just submitting the form. I think good investment in Mutual Fund/Stocks + Health Insurance are much better then Term Insurance, as the Term Insurance are also become very expensive after COVID.
Best RUclips channel I have seen so far. Clear explanation and straightforward. Love your content
Sir, please check onto the dedicated policies for cancer care, heart care etc. these options are much more better than taking the critical illness cover in term plan. Would request you to please make a dedicated video on this since there is no awareness in this topic. Please do the needful.
I was watching all LLA videos on insurance since a week, and now this getting uploaded is cherry on the cake ❤
Sidhi baat no bakwas...
Thanks Mandeep...you are making people aware about their responsibilities...
Absolutely genius work guys. Mandeep you are really too good with your research and understanding of the topics. Hats Off guys. You are doing a great job !
You can thank me by saying Jai shree Ram .. 😃
1. Instead of buying 2 cr policy from one vendor break it into 3-4 policy of 50 lacs.. then probability of payout becomes 100% why.. i have seen the data where even big companies try to reject the policy of higher amount but they tend to pass small amount without creating any hassle .. unko 1-2 crore jyada lagta hai so usually they pass 30-40lacs with 100% CSR .. so buy 3-4 policies from 3-4 vendors and cover milega aur claim bhi pass hoga..
2.. There is a regulation where if any indian insurance company doesn't reject any policy within 3 years of first issuance of the policy where they were to identify the bad intentions of customers like frauds, minor health condition etc. then companies are liable to pay the money.. irda says you had 3 years to investigate if you have failed to do so then you have to pay.. exact wordings yaad nhi .. par 3 years wale clause k saath ek regulation hai ...
I'm really very impressed. We are getting to watch and consume these knowledgeable and premium content free of cost. Thank you team LLA ❤
Look at the drawbacks for LIC he have given in video:
1.) Online form he is not getting easily?, because LIC focuses more on offline based structure.
2.) UI for LIC online platform is not good, yes because they focuses on everything on offline based.
3.) RIDERS are all available.
It is pure sponsored video from policy bazaar but very nicely presented.
Mandeep 1 year ago - Claim settlement ratio is useless, see claim settlement by amount…
Mandeep Now - Claim settlement by amount and all are useless… 😅😅
Kind of bogus guy! half knowledge is very dangerous
I literally took Term Insurance today( for future viewers, the day video was launched) after watching Mandeep's other videos. I am glad with my decision. Thanks Mandeep and thanks LLA.
Please share which policy you chose!
Share your policy name
Yes share
This is absolutely fake. You can't take policy in just one day. You could have said that you've decided and applied for the policy 😅
Hindi language me policy bond bhi hona chahiye jis se term or conditions samjne me aasani ho.
Desr LLA Team mein bata nahi sakta ki i was about to take Term plan or mujhe apke iske video ko dekhne ke baad 1% information ki or jarurat hai....Aap ki team ko lakh lakh Dua or pyar..keep doing great job.thanks
शानदार ❤️❤️
ऐसे ही सरल language में ज्ञान देते रहना...
मजा आ जाता है एक दम
😅 I took Term Insurance from Policy Bazaar after watching your previous Term Insurance guide video just an hour ago. Hopefully this video doesn't make me regret 🥹
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I indeed made a good purchase, this video and their other insurance guide video, are the only videos anyone would need to get complete clarity about insurance and term insurance in general. They're very detailed, Mandeep has explained pretty good. Follow everything to the point, you'll be set.
I was about to go to write the same comment. And I saw this
which company did u took insurance from?
@@shepuchibhajiTook HDFC Life, followed every instruction of Mandeep 😅 I guess I made no mistake. But yeah please choose according to your condition. I'm 23, my premium is satisfactory and after talking with agent I got all my doubts cleared. Also clearly informed I want in-person physical examination. It is yet to scheduled. LLA Rocks ❤️🔥
Yes.. video uploaded 32 minutes ago.. and you commented 30 minute ago.. mean u took 2 minute for watching video, Buying Insurance and Comment.
@@ajitkamiya4384 he means the previous one they uploaded
I struggled like anything for 6 months with Max life insurance to add a rider to my term insurance. Their service was so bad that I couldn't add a rider and ultimately had to stop paying it. Policy bazaar openly says they will help, but they didn't. So I have stopped believing all these scammers. They are here only for our hard earned money.
भाई मंदीप, मेरी आत्मा को शांति देने का धन्यवाद l मेरी age 40+ है मैंने TATA का term plan लिया था और उसे कैंसल करना पड़ा, लेकिन मुझे आज भी एक बात सताती है कि tata का term plan लेने के बाद मेरा मेडिकल checkup बिल्कुल सही गया लेकिन, मेरा annual premium amount बिल्कुल डबल कर दिया और tata AIA ने reason दिया "elevated level of enzymes" जो सभी दूसरे doctors ने बिल्कुल नॉर्मल बताया। क्या उस पॉलिसी को cancel कर ठीक किया?
मुझे LIC की policy मे बहुत बड़ा dokha हो चुका है जिसका पता मुझे बहुत बाद मे चला। आज की डेट मे मेरे पास कोई पॉलिसी नही है। Please मुझे reply कीजिये
Kon sa lena chaiye.
Lic me kya dhoka hua???
Thanks for this video. Your 1st line about "Claim Settlement Ratio" clinched it as that was exactly what I was shown and I didn't agree with the advisor.
Your video has given us the ammo we customers need to fight ridiculous proposals from agents and also basis this decide which agents are good (trustworthy) and who are not.
Thanks for this! Keep us the good work.
What about Section 45 of the Insurance Act? It says that any insurer cannot deny claims for any insured after the initial 2-3 years (Except in fraud cases). All insurance companies will surely thug you but you need to maintain all the records correctly to avoid claims getting rejected.
Uspe jawab dijiye
I think no one should take risks in terms of life insurance, only go with a reliable company like LIC. But don't take it through Agent. Take it through online mode. I took the LIC tech term plan (now known as the New tech term plan). All the formalities got completed in just 1 month. It costs me 10178 Rs per year for a 1 cr plan at the age of 26.
Note: Now the plan price might increase.
Bhau plan kaisa hai?
@@raghavsridhar aacha h bhau
@@alokkumarnyati Bhai lekin log bol rhe hai LIC acha nahi hai
@@raghavsridhar mera experience to accha rha h
Kis age tk insurance hai bhai?
LLA'S videography seems to be heavily influenced by Johnny Harris which is awesome.
One piece of advice for all policy buyers from policy bazaar, don't purchase a policy on call if the executive insisted. Wait do some research, compare and then go for it. If by mistake you buy the wrong policy you can switch it before issuance of it and cancel it. They mentioned 30 days freelook cancellation period. In that free look cancellation if you cancel the policy then you have to pay the stamp duty, GST, and body check-up charge if any. They will not refund the full amount.
Also be aware that if you are insisting on a specific insurance company from a policy bazaar, then there is a company-wide team to sell policies from a policy bazaar like ICICI and Max Life. It's my observation and I faced one bad experience from Policy Bazaar.
If you want to buy a policy then they will call back to back. Once you buy and raised some issue against them they never call back to you. Every time you have to request a callback.
Same brother, Today only the guy was forcing me to take saying, sir isde jyda jaane ko kuch ni h maine link bhej dia h kaise payment kroge, maine bola bhai force mt kr to usne seedha call kaat dia. Policybazaar wale aise show krte h ki ye koi commission ni le rhe h charity kr rhe h. Bhai tumhara business h, tum profit bna rhe ho eshan ni kr rhe. Upr se koi competition ni h tumhe. Bhut tang krte h bhai ye pr fr LIC me agent pe kaise bhrosa kre wo bhi h..
Yhi same mere sath bhi hua mene policybazaar se Tata aia ka Ulip plan liya or free look period me cancel kiya to bhi 4841 me se muje sirf 1237 rupye refund kiye
@@sauravchauhan5489 bharosa agar agent pe nhi h to online le sakte h na.
I'm glad I stumbled upon this vide. It kinda feels like koi bada bhai baatein samjha raha hai!
Amazing insights Mandeep. A respect is compounding for you and whole LLA family continuously. Great work 🙏
Best video for internet good luck brother 😊😊😊
This video and last one on Term Insurance,both are VERY INCONCLUSIVE. You should have listed the preferred companies as per your filter criteria.
But definitely 👍👍
He did mentioned 3 companies....HDFC, Max life and Tata....... further more you can identify the best policy from these based on that one additional step which he suggested at the end
LIC Jeevan Kiran is the best Term Insurance. Where we get back our premium. That's why it is zero cost insurance.
Heard IRDA working on all in one insurance.... Please do video on it
Hi mandeep, main bahot time se aapko follow krta hu aur aapke channel se information lekar he Term plan purchase kia tha. POLICY BAZAR ME AISE UNEDUCATED LOG BHARE HAI .Maine HDFC ka Policy lia tha Policy bazaar, ek saal baad pata chala muze 1cr tak coverage mil sakata tha lekin Salesman ke half knowledge ke wajh se 50 lacs ka coverage mila. IRDAI me complaint kia tha per uska koi use nahi hua cause 1 saal tak premium paid kiye the. Is saal old policy close kia wo Max ka Policy direct company ke website se lia 1.3cr ka. Policy bazaar Salesman Commission ke liye koi bhi had paar kr sakate. Back ke raho Policy bazar se!
Note- Policy coverage hai wo aapke Gross salary per rehta hai, Policy bazaar Dalal ne Net salary per he rehta hai bolke coverage kam dia tha
Mandeeps view on LIC tech term is absolutely ON point.. The website and interface is so obsolete.... I have this plan but the struggles to get this was real....imagine requesting OTP like 10 times just to access the form page ...you bet my exposure to windows 98 came to help,,, felt like a Spartan the day policy was approved... PS I applied for this in July 22 and the policy camw in force in Nov ...
Satya vachan bro
After watching your videos i have no words for your work.... it's really really really great!!! Thank you so much for creating such types of content.
Watched you grow mandeep.. brought my Tata AIA policy and keeping my records as well hoping for best
Hi
Could you tell us more about pre policy check up..please
Will there be physical examination or only blood tests, xray, ecg etc?
Who will pay for this?
How long did it take to complete the checkup and issue the insurance?
@@lonewanderer8414 tata aia did it everything for me free
As per my experience. Insurance company will pay for physical medical test. After that they will review your proposal form and medical records. Later they may ask few clarification After that they will issue policy.
@@Akashhanjagi Is it a physical examination or only blood tests?
@@lonewanderer8414 they will take blood sample, Urine sample, ECG, BP, Height, weight etc
Thanks ... Maine is channel se bhut kuch sikha hai aur implement bhi kiya hai... Bs jab maine health insurance wala video 2 saal pehle approx us time wo zaroori nhi laga tha but kyunki ab income source badh gya hai to soch rha hai term hai hi, health bhi le loon, please ek health insurance pe bhi bana do please...
Thanks for the video. I purchased a term insurance last year and your older videos helped me a lot in deciding the insurance company i wanted to go with. I got max life.
For someone who wants to secure their wife and children, i would recommend taking insurance under the MPWA 1874.
What is Mpwa 1882 ?
@@AKASHSHARMA1994 correction, its MWPA 1874. In short, the policy amount will be paid to your wife/ children. No bank or financial institution can claim the amount even if you have debts.
Policy bazaar has improved a lot and u can turn off promotional calls from settings of app or deny permission for it I recently bought car insurance and the experience was great 👍 policy bazaar is good
Thank you for your deep drilling on this important decision making topic. Particularly your points of maintaining medical records every six months and sharing with family gave me the true peace of mind and a closure on this brain storming topic by making it a simple yet powerful routine. I also deeply appreciate that once you keep tabs on imp topics you follow it and share your views, facts and findings.
Thank you for this video. It was really Insightful. I am currently in the process of finding a term insurance for myself. This video has surely helped me.
And the big take away for me is to do full body medical checkup every 6 months or 1 year. And store that in a file or on drive.
Hi Mandeep and Rishab,
I have some questions about Mutual Funds (Any type of Fund e.g Index, Flexi, etc)
1. If I invest in MFs through Zerodha Coin, Upstox, Groww, Angel One, then my all holdings will store in my Demat Account and If I invest in MFs directly through MF utility/ AMCs websites then it will store in Statement of Accounts (SoA). Correct or Not?
2. Can I transfer all my MFs holdings (including Index, Flexi, ELSS etc) from my one demat account to my another demat account, (Both CDSL to CDSL, NSDL to NSDL, CDSL to NSDL or vice-versa) or is there any tax on that or not ?
3. Or is transfer possible for both types, means SoA and Demat Account?
Please brother help me.
Thanks!
1. MFs bought from Coin app (and most likely upstox) will go tp your demat account (cdsl) and almost all other apps liks groww, kuvera, etmoney will go to SOA. Not sure about angel one as i havent used it.
2. In theory, transfer of securities between 2 demat accounts is possible, both cdsl to cdsl and cdsl to nsdl (vice versa). But in practice the process is super abysmal, tedious, and frustrating. For CDSL, you can start by making and "easiest" account on their website and from there you can transfer securities. I have tried doing that but for me it didnt work, CDSL didnt send me the login credentials for my account and i couldnt move forward at the time.
3. i dont transfer between soa and demat is possible
@@LabourLawAdvisor Thanks brother!
1. I understand that where my holdings will be stored if i invest through coin, groww etc.
2. Great! means whether the process is tedious but I can transfer my shares (stocks) and MFs holdings to my another demat account from my existing demat acc.
--Is transfer of shares and MFs taxable or not?
3. I cannot understand what you said brother, I asked that can I transfer my MFs holdings SoA to SoA, SoA to Demat or vice-versa?
Btw, Thank you brother for the help in the previous problems!
Hello LLA team, I have a one suggestion for your video . please add old intro of LLA this intro of LLA not with vibe of audiance and videos.❤
@LabourLawAdvisor Nice Work! Please make a conclusive video for health insurance aswell. We need a decisive product which we can subscribe for a Long tenure and sleep well each night :)
Indian channels have started to level up their video editing skills.
Dear LLA Team ,Really appreciate your valueable research .Thanks for presenting class apart topic with lucid explanation.
Thanks apke video dekh kar term insurance aur 2 rider le liye hai maine thank you so much achi advice dene ke liyeee❤❤❤❤
Kon sa liye hai insurance or rider
Hi Mandeep very informative video. I have 2 questions.
1. What if I starts smoking/drinking 10 years after taking policy? Will my claim be rejected?
2. From Which company did you take policy😅?
ये पॉलिसी लेते वक्त मेंशन कर देना 😁
He won't take policy from any company. Because, he is making lot of money by using paid promotions of Policybazar.
Ye he has hide one company icici Prudential because the pay out icici is very less to policybazar. So you can guess why
Thanks! This video was helpful in deciding my term insurance plan. Great work with the videos.
Ask him to explain
Section 45 act
Love to see a ULIP/ELSS and Term with separate investment comparison. Thanks
Term u mean term insurance ? Its always advisable that u never ever try to make money from ur life/term insurance, so u should not take ulip like term insurance ever
I will turn 29 in the next 9 days and researching term insurance actively, Thanks to LLA and another good finance influencer. This is a good video, and Mandip is undoubtedly the best regarding insurance knowledge on YT. To my fellow "Jaagruk Janta" as this is a sponsored video Mandip cant mention other portals for apparent reasons but before buying insurance check their official website you might get better offers than another 3rd party like Policy Baazar etc, Do finalize what you want from Policy Baazar they have an excellent platform to compare various policy available. (If you are interested I have bought TATA AIA Maha Raksha Supreme with an Accidental disability rider if not this HDFC Life Click 2 Protect Super was the one I was considering secondly). All the best, buy your insurance early :). Major support LLA
How was the pre policy checkup?
Was there a physical examination or only blood investigations?
Can you also mention the tests done.
Good information,
Thank you Manideep 🙏.
If possible, please try to make a full vedio on TATA AIA Company for advisor's and customers.
Hey guys!
There's a random grey blob in some parts of the video, near the lamp. Please ignore that.
Todha edit me idhar udhar hogayi layers, Agli baar se dhyaan rakhenge! 🙈
- Rohan & MMM
What a great job you have done. Your videos on the term insurance helped me a lot in taking the insurance
Mandeep kya mujhe 1cr k term plan k saath bhi health insurance plan lena chahiye kya ?
Mene recently tsta aia vitality term plan liya hai 1cr ka apki last term plan wali video dekhne k baad
Loved the content, but, the thumbnail is a bit misleading sir
Hi @Mandeep, when choosing a company, should we also factor in our location and offices of these company within the city of residence? For example, where I currently reside, there is only one Maxlife office available, whereas ICICI and HDFC have a wider presence with multiple branches. However, I have a strong preference for Maxlife despite their limited physical presence in my area.
Why u choose Offline??
Thank you Mandeep. Thanks for educating us regarding insurances in such a clear way. Your explanation really has a good data structure and this makes your channel different and unique from that of others.
Is life or health insurance a scam for those who have no dependents? I'm 22 years old working in IT sector. Parents are government employees with health insurance.
I'm also thinking of shifting abroad.
Yes no need
What about ur family ?ur chid in future ?, These things are for securing ur future depends
Thanks Mandeep for quitting the job and educating us like this. Hats off LLA❤
Hi, Mandeep, LIC has launched Dhan Vriddhi Policy ( Plan 869 ). In which they have mentioned guaranteed returns.
Can you make a video on Dhan Vriddhi policy VS Nifty Index Funds?
I think if we invest in Nifty index Fund for 18 years assuming Nifty will give 10% returns / annum, then one can make excellent returns than LIC's Dhan Vriddhi Policy.
Thank you.
Bhai insurance aur investment ko kabhi mix mat karna
Insurance + investment is the most costly insurance you can get. Just take a term plan and do your investmnet according to your pocket size.
Run away from guaranteed returns
you are comparing Mango with Potato. Like Mango generally teste sweet, same way is nifty. But sometimes Mango also taste sour because of the season or other factors, same is with nifty if you prematurely pluck it. Potato is Guaranteed Returns. It will taste the same throughout the year, no matter what season it is. Throughout the world, it will taste the same.
We need both Mango and Potato in our diet for a healthy living.
LIC Dhan Vriddhi is giving higher interest rate than Bank FDs. That's why it is a closed ended plan which is available for sale only upto 30/09/2023
My advice to you will be to invest in both if you have funds. If you have a limited amount of money, then choose according to the season of your life
Thanks Bhai Bharat me ap financial education se logo ko jagruk kar rahe h y bhot important h it will help INDIA (bharta) to be super power.
Are bhai kuch education nehi... Policybazar ko bech raha hai... Unko paisa mila hai bahot...
@@mrshankha88 Bhai some what ur right but it's a win win for all Mera hesab se bcoz ab policy bazaar vale bhi apko koi bhi policy nahi sale kar payega.. like now we all have multiple parameters to judge a company and also know from where to get accurate data with government approved numbers...and ese m kuch fayda inko mile so what's worng in that it's a win win u get right policy and policy bazaar get some business.
I took term insurance from TATA aia, I asked them very clearly whether suicide is claimable, they said yes but only after 3years
I think it's claimable after only 12 months.
After 3 years any death
Suicide covered after 12 month. One more thing 2 premium should be paid. Only then suicide is covered.
Sir please make a video on MLM scam !! People are not understanding the scam, and even sensible persons are following such schemes. Please make a video about it. And give a solution.
Accha laga max life term insurance leke 5 sal pehle thank you
Your videos are great, but consider slowing down a bit for better understanding. Rishab's pace is easier to follow.
BAHUT SAHI HAI VIDEO, BHOLE BHAALE LOG AWARE KARNA JARURI HAI AAJKAL KE JAMANE MAIN
Naya graphics designer toh kafi kadak hai 💪🙌👏
Ek aise video health insurance pe v banao. My parents are becoming old.
Sir I am watching LLA almost 3 years and you're doing amazing job👍👏
Sir I am from Maharashtra in my area(near Pune) soft drinks are sell more than MRP price ,the bottle I purchase is 600ml and MRP is 40 rs on bottle but he said 45 rs for “cooling charges " when I told him why should I give extra 5 rs,
his rudely say “ cooling charges lagta hai lena hai to lo "
Sir my request is plz do a video on this topic 🙏
😀😀
Thanks mandeep Bhai itni knowledge full jankari Dene ke liye wish you a very happy new year
Is Tata Smart Sampoorna Rakhsha a Good Term Plan…
Please reply as I one of an oldest subscriber pf your channel and learned a lot from your videos.
Keep It Up Brother.❤
it is
Perfect point sir where these sales person give you false no's saying that you will receive so and so amount and when we actually see the benfits its really a waste of money we even buy these policies, I was also scammed by Bajaj Allianza sales person in buying such policy about 8 yrs now when I check the actual amount that I would get was just 2L , but when they sold the insurance they said after 10 yrs I would get a amount of 7,20,000 So I guess the customers who buy these policies should be more aware of these kind of scams that they do from the sales target reaching perspective
Thanks bhai, aapne apna samjh kr samjhaya ye sab ❤ keep growing
video editing dekh k maza hi aagya. And obviously content is very good.
Best video on how to choose insurance company ❤
Thanks so much good information now I can choose best health insurance
People should buy insurance from directly from companies website. There they get huge discount on premiums & all information too. Since you are money minded you are earning some money for policy bazar but if 10% viewers bought policy from policy bazar than imagine how much amount of money of people you will waste for policy bazar commission. That you don't bother because you are money minded.
One of the best on term insurance
00:45 00:47 best reaction
[2]
QUANTITY :-
Pvt-total (23) ka Claimed Policy-qty more than 2Lakh hai, jbki yahi qty LIC ka morethan 13Lakh hai.
On other hand, Pvt-total (23) ka Claim Repudiated qty around 4000, jbki LIC ka more than 8000 only.
STRENGTH:-
Pvt-total (23) ka Total Life-Fund = 5.5lakh-Crore appx.
LIC = more than 26lakh-Crore.
Can u imagine the figure ???
AUTHENTICATION :-
Apart from the statistics, the "most-imp" point is that LIC is the ONLY institution in entire PSUs of India which has Sovereign-Gaurentee (Section-37), which means it is the ONLY institution in India which is 100% Gaurenteed from Gov't of India. Even banks also not hv this gaurentee.
Liked your video. Fast n accurate. Thank you for the knowledge.
Lots of blessings for such video, my brother really get helped to plan his term insurance - thank you once again ❤
Superb work Mandeep and @LabourLawAdvisor team. Jantaa zaroor jagruk hokar rahegi.
I wished the subtitles were in English, to understand the content.
Couldn’t change sub titles language for this video
Maza aa gaya bhai kya explain ki hai saari baate... thank you so mucb brother ❤❤
Amazing information. Keep up the good work.!
Good video keep growing LLA . You guys are 💎
Very helpful video sir.
Also make one video on top health insurance companies same like this video
@17:20 - which things/points to remember for health checkup from outside who do himself/herself. please answer @LabourLawAdvisor...
LLA IS THE BEST CHANNEL I HAVE EVER SUBSCRIBED TO.
Mandeep bhai ik video es topic pe bhe lao...
1. Insurance companies kiss kiss death cause main paise nhi degi.
2. Insurance companies kitne time ke baad claim reject he nhi kar sakti jaise bola jata hai 3 year ke baad claim reject ho he nhi sakta jabke apne koi jooth bhi bola ho tab bi.
Grt knowledgeable episode Mandeep