10 Hidden Conditions of Health Insurance | Know Before you buy!
Vložit
- čas přidán 18. 06. 2024
- ▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Get Health Insurance from PolicyBazaar: health.lla.in/
Get Term Insurance from PolicyBazaar: term.lla.in
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Watch Ultimate Health Insurance Guide : • Ultimate Health Insura...
Watch Ultimate Term Insurance Guide : • Term Insurance : Ultim...
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
DISCLAIMER :
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Chapters:
0:00 Intro
2:04 No Claim Bonus
2:52 Continuity of Policy
6:02 Settlement of AYUSH Claims
7:07 Pre-Existing Diseases & Past History of Diseases
10:39 Clubbing Multiple Policies
11:20 Reimbursement is Better than Cashless
13:18 Important Points to remember during Policy renewal
15:32 Porting Corporate to Retail Policy
18:00 Health Insurance for NRIs & OCIs
Plans with Global Coverage : drive.google.com/file/d/17190...
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Read the detailed article here : labourlawadvisor.in/blog/ten-...
LLA Blog : labourlawadvisor.in/blog/
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
📚COURSES: lpti.lla.in
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Free AI Newsletter: nl.lla.in
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Employment Consultancy, Contract Review, Salary Structure Review: www.consult.lla.in/
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Checkout LLA Courses, Videos & Apps: link.lla.in/shorts
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Shot & Edited by: Rohan Agarwal
Presented by: Money-Minded Mandeep
▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀
Follow us on Social Media📲
Twitter: link.lla.in/LLAtwitter
Instagram:
Telegram: t.me/JoinLLA
Facebook: link.lla.in/LLAFB
#Healthinsurance #LLA
![⬛ [Secrets Revealed] How to find the BEST Health Insurance Policy? ft @BWealthy](http://i.ytimg.com/vi/l3Acc3D8OH4/mqdefault.jpg)
Get Health Insurance from PolicyBazaar: health.lla.in/
hello Mandeep, I am an NRI living in UAE with my family. I have health coverage here provided by my employer to me and my family. but the nature of the job is that I will be back in India in maybe 1 to 3 years. I am 33 yr old and don't have any health insurance for me or my family in India my current insurance covers overseas. so I am confused, should I take health insurance after I come to India or should I take it now.
please make a video on two wheeler and four wheeler insurance for new vehicle
I tried to buy frm this link last time.
but that bazaar executive said abt one thing but he hided something...that i don't liked it...
it was when u buy super top up, room rent is there...u can see that in small words
List nahi mil raha government approved ayush hospital ka..😢😢
👍
Recently i had to go through hospitalization and with information about room rent cap & managing it accordingly, I was able to get FULL CLAIM!
My whole family thank you for this wonderful information 🙏❤
Great work LLA, however i believe the best solution is to have stringent laws and regulations for these insurance companies to abide by, so that they cant deny a genuine claim. They exploit the process by creating a lot of dark patterns making it difficult for the end user to understand easily.
The problem of policy bazaar is that you get 100 calls within a week. Even if you block one number they will keep haunting you from other numbers.
A couple of years ago LLA Mandeep had shared about porting policy from corporate to retail once we switch companies. I recalled his video, watched and initiated a migration from corporate to retail. I could successfully do it, however there are a few conditions like you should be employed in the same company for a certain tenure (in some case > 4 years) and corporate policies are tailor made, retail plans do not match exactly, some minuscule conditions aswell .
Thanks a lot LLA, you are really making us Jagruk Janta.👍😎 wish to thank you in person.
Honestly I don't have any prblm if video is 1 hr long or 1.5 hr long I'll watch it with my full sincerity as it's highly important for me... Thanks lla and mandeep for bringing this videos with us.. ❤
I have watched both the videos pertaining to health insurance. Thank you for all the knowledge from the bottom of my heart. You are a wealth of wisdom & I learn something new everytime I watch videos of yours which is and will help me in the long run.
The work You guys are doing is just so pure of heart and benevolent ❤
i am in my 20s and i really love your efforts to make us safe and secure 🤗
Your life insurance guide was a big help. It saved my father from buying another one of those double scheme insurances. Thanks a lot for your efforts.
I never saw this much easy-to-understand Health Insurance video on CZcams before. Thank You, Mandeep Bhaiya.
Know more about the topics mentioned in the video like what is Rider, co-pay, premium, and many more about insurance on the Insurance Bhaiya website.
Again big thanks to Mandeep bhaiya.
You guys are the best. so honest! Keep up the good work.
That 43 min video is a must! Super top up disclosure was eye opening, rather than buying top up
Watched your previous video on the same topic and was completely hooked. Very informative. Thank you for simplifying for a complete newbie like me!
LLA is all about improving people's life, and directing it to a better way, just like our fathers used to guide us in childhood for our betterment, LLA is not just a CZcams channel, its an emotion, pure respect for LLA. and mandeep nd rj sir❤❤❤
Y'all are doing a fabulous job. Glad such videos exist
Btw one more point on reimbursement vs cashless. This has happened with me in the past let's say your policy term is 5L the hospital will give you an estimate from 3L-4L depending on the usage of the procedure. But when you opt for cashless they will directly go to the highest plan and not look for the plan you had asked for. This happens with me in Ahmedabad EpIc hospital where we selected a plan of 2L for my father in law's treatment but when we said it's cashless they took it to 3.5L and the only difference between 2L and 3.5 l plan is private room vs suit room and the procedure is day procedure still they took the highest plan
Well covered and still not a long video, always admire the well edited video💯
Thank you Mandeep Sir for making update videos on health insurance and term insurance. It will help us a lot
Nd yes.. apka bolne ka trika bht achha hai. Proper es tarah se bol rahe ho k har kisi ko easily smjh aa jaye.. jaldi jaldi raita nahi fela rahe.. very gud way ..
LLA is always working for us.
We trust you LLA.
❤ FROM WEST BENGAL
Much needed topics for better life decisions to cover your families.. thanks a ton for your continuous efforts.
I am a MBBS student in a private medical college, I observe in our hospital there is 2 different price for same test/ot cash patient and insurance patient. Generally it's always high for insurance patient .plz explain this.
Cashless payment and doctor knows you're insured patient .
@@drrouf-er2ft In a hospital doctor don't decide the price for the treatment , that is decided by hospital management.And 90% hospital is owned by politicians or businessman.
Yes I r right. Doctor bhi isme shamil hote h@@swarupdas6604
Same situation in our Hospital also
@@swarupdas6604The hospital is trying to overcharge the insured person knowing that the insurance company will try to underpay. They are both trying to profit and essentially scam each other which is why there is a higher bill for insured patients.
Hi MM Mandeep, first of all many many thankful to LLA to have you with us.
And would like to highlight here one issue with porting of HI plans...companies charged more as compare to fresh policy....if it's a portablity case.
Thank You so much.Its highly educative.
Your contents are truly amazing. I have learnt a lot and have taken different courses from your channel. It would be much helpful if you could make a video on the things to keep in mind for NRIs while taking health insurance and Term insurance. I request for a knowledge pack focusing on NRIs.
Thank you!!!
After watching your video on term insurance, I followed the steps on Policy Bazaar and got a call from an agent. He praised my knowledge about term insurance, which I learned from you. Thanks for making things easier.
Also, I have a request. There aren't many resources out there about pet insurance. But these days, owning a pet often means facing big vet bills. It would be immensely helpful if you could create a video addressing pet insurance. While there may not be many options available, as pet parents, having insurance to assist with medical bills is crucial. If you could do that, it would be awesome! :)
Very happy to follow you brother 👍 Hoping many more financially useful and common man financial issues related videos 🙏🙏🙏👏👏
Great work, you explain very well.
Great job, you really like the country.We are proud of you for this type of work.
You are just Awesome Mandeep. Great video as always.
Your insights are highly valuable, sir. Regarding your mention of the 'Reimbursement is better than Cashless' perspective, where you highlighted that insurance companies often engage in backdoor agreements with hospitals, setting specific limits for diseases, I would greatly appreciate it if you could share any documented facts or written sources on this topic.
Thanks a lot for such informative videos, Had my parents been educated by someone on health +Term insurance and avoided LIC, We would be far more wealthier than current we are. You have been creating a big change to my future wealth, thank you for your contributions ❤ Can you please also suggest policy planning for parents?
You've done so much of work and crisp clear. Appreciate your fantastic work. But I wish it was completely in English or with subtitles. I couldn't fully understand and feel confused.
Great , Mondeep ji…this is helpful topic …..we hope another one informational video in health insurance topic,which not covered yet ❤
Hey Mandeep bhaiya, a big thank you and trust me I really admire your work. Someday I will work with you.
Thank you for covering hidden things.
Thanks for this transparent info god bless stay fit and keep guiding us
Thanks Mandeep for a very informative video.
Great video sir ji... This type of topics really helpful in current scenario, as companies making only profit in the name of insurance. They don't care about the feelings and conditions of the person at this crucial time.
Helpful video --- Thanks for your time and efforts
Bro keep the good work going. I like your videos. To the point and very detailed.
Again the best ever Video by Mandeep Sir 🙏🙏
Thank you for the QNA answers Sir #LLA
Thanks for providing so many details so intricately
Thanks for the Video👍👍👍 mei 2-3 bar 43 min wala video dekha.. Bohot help huya..
I have been following and watching all your videos. Amazing information provided in all videos. Great work. Can you also create a video on different types of riders in insurance policies. Especially Personal Accident Rders. These riders are so confusing and misleading that the customer is not able to claim in full.
It was really helpful, i appreciate your hard work and dedication money minded Mandeep
Great work as always...
Great video Mandeep. Always look forward to new videos from LLA team. Can we cover two topics please - GIPSA insurers and interstate laws for widows
great informative video man. THanks
Great effort and well delivered. Please continue to demistify the legalised GREY traps of the insurances and other instruments which are important for a common man 🙏
Thanks Mandeep for making such videos.
Very nice video Mandeep.
Health insurance surprises people in a very ridiculous manner. We need to be very careful at the time of reimbursement or any submission of documents with them.
One point i wished people are aware is pre and post hospitalization cover. They are available in most of thr corporate policies. I am not sure of the retail policy.
You can get a cover for medicines or diagnostic test in this period.
Hats off to you for making Quite informative & 🙏🏻🙏🏻🙏🏻awareness
Great video, Really helpful, please keep up the good work.
💙💙
Very informative video. You guys are doing great work by making people aware. Your informative videos are very helpful in deciding to buy good policies and investment options. You are providing this service to people, you are doing a great work, many people are benefited from your information. May God keep you happy always. And you keep making such informative videos. Thank you from bottom of my heart. 🙏
Very good and informative videos. Can you please make a video around, how to document or share medical history. As we are always sharing our aadhar nowadays.
Great sir exactly i wanted this video ❤
I would love if the videos are even more detailed. this content it such a gem.
Thanks for making this video ❤
Thanks LLA. Bought my insurance from using LLA affiliate link only.
Thank you very much for providing this information and organizing it for us. Your effort is greatly appreciated, and it has been immensely helpful. Regarding my query: Is it possible to have two group policies (parents and spouse are insured in both), from private health insurance? If so, am I eligible to claim benefits from both policies?
Thankyou for such an informative video.....
Guys you are doing great work , that 43 minutes video was so helpful , I literally forced my parents to watch the whole video so nobody will be able to scam them in the name of medical insurance !!
Thank you sir for guiding you 🙏
Eye opening Video...Excellent...
I like your videos on health insurance and have gone through them multiple times. Just yesterday got a health insurance. And today i see your new video. Anyways I wanted to let you know that wouldn't it be better if we can support you if you affiliate with Ditto. Atleast no spam calls unlike policy bazaar ! I am fed up with thier spam calls.even miss calls.
Aapne kaun sa liya jara btaynege please aap.. Link paste kr dijiye mujhe parents k liye lena hai
Great work LLA!!
Money Minded Mandeep, congratulations for a new journey and thanks for everything that you are doing with full transparency........
Salute to all 🎉🎉🎉🎉🎉
thank you sir for this wonderful and informative video
Such a great video ❤❤❤❤❤
Thank you so much sir for curect information
Thanks Lla & Mandeep bhai where i check my health policy is write which i take in 2017 of hdfc specially 60yr renewal time
Thank you Mandeep.
Great work🎉❤
Thank you for the valuable information sir
He is best advisor.... hat's off MMM.....😊
Great job bro. Bahut mehnat kiya apne iss video ko banane mei
Thank you so help full
u guys are very honest
Thank you LLA with every new video you guys nailed with your research. Always learn new information. I have one doubt that i have recently ported my hdfc ergo to Niva bupa via policy bazzar. Niva has taken only tele medical. Although i have disclosed that i have diagnosed with minor varicoceles in 2019 which found via tests and doctors have not suggested any specific medicine and its slight pain still there but right now no medication going on for the same but still they have not taken any physical medical So what should i do as they even issued the policy ??
i recently opted for hdfc ergo policy via policy bazaar and declared the pre existing hypertension for my spouse they charged loading premium and without medical test issued the policy. so I believe that for less risky profile they are not asking for medical tests to reduce their cost.
May I know the reason to move away from hdfc ergo ?
Mani 'your effort we can see' Excellent 👍.
Very useful and informative
Amazing bro 👏👏
You're doing a great job, really appreciate your efforts!
I wanted to know if dental surgeries are covered in any health insurance plans? In a city like Mumbai, dental surgeries in a good hospital can cost anywhere upto 50-60K.
Hi LLA, this is a best video about Health Insurance i have ever found on CZcams, however it would be great if you could address my below query. Query: If I've two health insurances policies of 5 Lakhs each from two different insurance companies. my medical bill come up with 10 Lakhs and it's paid by cash then, can i get reimburse it from both insurances' companies?
*_Hey Mandeep can you tell what are the best plans available right now I researched but still confused about it and also can you tell me which one did you choose_*
Good work love from West Bengal ❤
Create as long video as you want. Great work
Great 👍 very informative
Congratulations for the wedding 💍.Hi thank you for your input on health insurance. Can you please make a Best senior citizens health insurance for parents and which company to opt and to buy directly or via agent .
Regards
Thank you LLA for providing such great and unbiased content free of cost, I have watched all the insurance videos and I think you could've easily built a paid course out such high quality of information and detail but yet you kept it free, massive respect for that.
Even more detailed videos will work on such important topic. Please keep it up, 10sec. ke wahiyat shorts jinse kuch nhi milta bs timewaste hota hai wo nhi chahiye... informative videos chahiye❤
Superb explanation 🎉🎉
Hi sir.,. it's nice boht help hoti hai apki videos se...mai apki bohat bari fan hoon.... treding mai algo k bare mai vi video banao sir
Great Video Mandeep. Thank you for information. Request one more information: what if a policy holder develops a new disease during the policy term ( 36 months pre existing waiting period still not over), and renewal comes. If new disease declared will it effect the policy or in rease the pre existing waiting period. Thank you
Thanks to Team LLA 🙏🙏
Thank You Much Mandeep Bhaiya For Creating This Video.... Please Make A Video On LOAN TRANSFER....What To Do, Advantages, Disadvantages, Charges & Etc.
Very informative video 😊
The video was truly exceptional, and the content was superb. I found it both informative and engaging. However, I have a query regarding the geographical location or place of stay that the policy is asking for. Given the nature of my job, I am frequently relocated to different places every 2-3 years, making it difficult to predict where I'll be stationed next. Would specifying one location affect my ability to make claims in another? I'm curious about how this aspect of the policy might impact someone in my situation.,
Dude, color grading...!! too good .