You can compare & buy Health Insurance Plans from here: bit.ly/health-insurance-plan-compare Join All-In-One Video Finance App here: vidfin.com/ Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.
I had 3 major surgeries so far . 1st when i was 26 , 2nd when i was 32 and 3rd i last year 2021 when i was 35. Suggestions - Corporate employees should always take the max benefit of health insurance. Also when change of company always continue the insurance . I had national insurance and they paid full amount always . I have personal insurance also of star and they cover most expenses 90%.
These days we have NAVI insurance which covers 100% expenses with lower premium and is reliable also company is owned by well known person Sachin Bansal who started Flipkart and changed the the online buying scenario of India
Attention - In case you'll be claiming your health insurance, make sure to choose a hospital that does not fraudulently claim excess amount from your insurance provider thereby reducing the overall cover that would be left for you in that year. Here is the example - Let's say A got admitted into a hospital for a surgery that costed 2 Lakh overall. Nowadays, everything being cashless, the hospitals generate a bill for such surgeries up to double the actual amount i.e 4 Lakhs and get it from insurance companies. Now ideally after the surgery, if A had a total cover of 5 Lakhs then he must be left with 3 Lakhs but that's not the case, they're only left with 1 Lakh. This scam is running wide open and one of my friends who supervises TPA in one such hospital introduced me to it.
I too got kidney stone. for pain you can take MEFTAL-SPAS DS (Mefanamic Acid is effective for such pains take half and if it still doesn't goes take another half within hour) Avoid Milk because it contains calcium Avoid food which contains excessive Salt (Salty Potato chips or chakna) and Calcium. Beware it can happen again. take water. ✌🏼 I hope this helps u. Love your efforts ❤️
yes ur right, here sir made a mistake, if waiting period (of suppose pre existing diseases) is 3 yrs (in company X) and we have served 1 yr in it then we need to serve just 2 more years in company Y after porting.
Not only policies have waiting periods for PED but 2 yrs WP is there for specific diseases. Read the policy wordings along with brochure to understand more on this.
Please answer this as no one is answering 🙏 -> what if i never claim insurance in 10 years and the premium paid gets equivalent to s insured. In this case it would have been better to just invest this premium paid as SIP?
मुकुल भाई आपके शीघ्र स्वास्थ्य लाभ की कामना करते हैं, स्टोन आजकल 10 में से 3 लोगों को तो बन ही रही। RBI के बॉन्ड और T बिल पर टैक्स की विषय में जानकारी चाहते हैं यदि आपका स्वास्थ्य अब ठीक है तो जानकारी की प्रतीक्षा रहेगी।
Mere kam se kam 10 bar stone ho chuka hai pichhle 12 13 salon me dard hoke akhir nikkal hi jata h pani peeke bhut Sara lekin goli lagne se bhi tez dard hota h lagatar 6 ya 8. Ghante
so sir if IRDAI says pre existing diseases means those we had or have during the last 48 months, so it means we dont need to declare diseases/surgeries we had before the 48 months? pls clarify this, very imp!
Just one question how company profits affects the stock price of the company because stock price fluctuates on the basis of demand and supply then why company profits matters?
My wife admitted in hospital for first time due to fits and we don't have any ped and part of insurance from past 5 yesrs still care health insurance rejected the claim simply delaying the process by asking query evry day and after 5 days rejected stating pasy treatment records not submitted.. Please don't get cheated and be sure that they should not deceive the customers
Sir mujhe aap suggest kr do ki LIC me life insurance plan for family kon sa best rahega, five members h , taki kuchh problem aane per private hospitals me ilaaj krwa skun ??
There is one more term used in health insurance that is Slow growing diseases,could you please put some light on it and how we can claim for such diseases
Sir, I was diagnosed with IBD Crohn's disease in 2022 (age 22 years), and have not taken any health policy, but now I am not able to buy a health policy, whenever I tell them that I have this disease. But one can fall ill, or due to an accident also get hospitalized, in this case, what shall one do, should I not disclose my pre-existing disease, or without disclosing serve the moratorium period, then raise claims after 8 years if anything happens, till then get treated on my own cost, etc. Please, help/guide or make a video for this type of case, (where, what one should do when the company is not giving insurance to any pre-existing disease, how they should buy the insurance). Thank You.
Good to see you again.. I have no health insurance plan.. Pls suggest to me a how to select a best health insurance plan for my family... Stay healthy sir... God bless u.
Good informative video..all points are explained in a well manner....all points are needful and necessary while taking medical policy.....stay healthy sir ji...
Hope you have recovered well from your surgery..thanks for bringing this informative video especially on the option to convert corporate GMC to an individual one later
Sir could u please guide me which health insurance plan is good , & regarding cashless also, so please guide I want to take plan but i m confused still now
Hi , liked your Video on health insurance and made me think on what I was missing until now in my existing policy. While I still have time, I found that premium gets increased every 5 years and while we would need the policy most, above 60-65, the premium get so high that I started feeling that at age of 75 I have to pay 1.5 lakhs just for premium for 2A +1C and that too when I will not have any income. I Compared Niva Bupa reassure and Bajaj floater platinum and premium structure had high differences while with almost same features. Now I am confused on why so huge difference. Can you guide me here
I suffered from GBS (Guillain Barre Syndrome, one type of neurological fever that happens due to Virus or Bacteria..it is rare disease) at the age of 3 and 1/2 yrs and recovered after treatment at that time. I got that diseases again at the age of 29 yrs, after 25 yrs of previous occurance. My Health Claim is rejected by company giving reason of Pre-Existing Disease. But actually it is not a matter of Pre-Existing Disease as per their Policy Wordings and IRDAI definition as you said in this video. I need kind help from you. I have tired fighting with company. I need perfect advice to go for consumer court, I am ready to pay fees for better advice. Please 🙏
7.32 min, As per my knowledge continuity period works even after 1 year policy porting. No such condition seen by me where continuity not applicable. Are you confirmed?
Feels good to see you again! Sir I'm thinking of buying Navi health insurance with 25Lakhs cover. I wanted to know is this amount reasonable in Bangalore? Or should I go with 50Lakhs/1Cr cover? I am 24 years old with have no health issues
7:32 Sir, please clarify this....I called to executive he says Ki IRDA ki guideline hai... Insurance Company switch k baad bhi continuity benifits milenege??? And Stay Healthy Sir
Hello Siddharth, Company switch k baad bhi policy active rakh sakte hai . After you put down papers connect with HR on this policy carry over. Because once the employment is over . The insurance company will not entertain. Mainly there is no waiting period and the advantage is optimum.
Hi sir. I didn't got one point which is as you said that mam was having a corporate insurance which she converted into individual policy. But how you got the benefit for your surgery from her policy?
Thank you for your guidance. Hope you have recovered well. I have one query. Let's say there is a pre existing disease and doctors have not diagnosed it. You have taken health insurance and when you go for claim and if doctor says that the person has pre existing disease then will it be covered by insurance company? Best regards.
Yes it will be covered bcoz the disease was not diagnosed before making this claim. Only that disease is considered as pre-existing which was already diagnosed at the time of buying the insurance policy. The idea behind this Clause is that the person buying insurance should not hide any already diagnosed disease at the time of buying the first policy hope I was able to help!
Sir JSA ki apne video me 3 Rd tip btaya h ki health plan 1 year baad switch nh Krna chahiye nh to fresh waiting period applicable hota h... To sir port k case me to sb benefit continue hote h
Hi Sir, nice info. thanks for the video. If there is no claim for past 4 years, so do we still have to be concerned for the waiting period for any future claim, please adv.
I was diagnosed with L4 L5 disc bulge in September 2018, it was diagnosed by my Friend who is Physiotherapist. I have been avoiding Surgery via Excercise and preventive care. I bought a Health Insurance policy last year i.e.2021. So if i go for the surgery will it be covered???
Thank You Sir, Hope you Recover. *Please Reply to my My Questions.* 1. Suppose today I bought A Plan with 2years waiting period, after completing 2years If I switched to another Insurer's plan with 3 years of waiting period. What will be the Effective waiting period for that new plan? 2. My father has Diabetes, If I choose a plan with 2 years waiting period. If within 2 years he had to admit to medical for any disease. Will the Insurance company cover?
Thanks for your wish. 1. Since waiting period is already exhausted, no waiting period will be there. 2. You need to talk to insurance company. opt for a insurance with coverage of Diabetes.
Hi Sir, My Laser Kidney Stone Surgery was done in 2011. I have taken medical insurance from aditya birtla in Aug 2022 and this is my first time, I am taking any heath insurance plan. I didn't inform them about my surgery. Will it create problem to get the claim in future?
You can compare & buy Health Insurance Plans from here:
bit.ly/health-insurance-plan-compare
Join All-In-One Video Finance App here: vidfin.com/
Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.
Good to see you back. Stay Healthy Bhai.
Thanks Abhishek Brother.
I had 3 major surgeries so far . 1st when i was 26 , 2nd when i was 32 and 3rd i last year 2021 when i was 35.
Suggestions - Corporate employees should always take the max benefit of health insurance. Also when change of company always continue the insurance . I had national insurance and they paid full amount always . I have personal insurance also of star and they cover most expenses 90%.
How is star health?
These days we have NAVI insurance which covers 100% expenses with lower premium and is reliable also company is owned by well known person Sachin Bansal who started Flipkart and changed the the online buying scenario of India
Please read carefully all the documents you are not updated regarding health insurance
@@vishwadeeptiwari7202 max bupa is also good option, and pls check their claim settlement ratio and balance sheet before buying the insurance.
@@vishwadeeptiwari7202 log bura q bol re h fr usko
Attention - In case you'll be claiming your health insurance, make sure to choose a hospital that does not fraudulently claim excess amount from your insurance provider thereby reducing the overall cover that would be left for you in that year. Here is the example -
Let's say A got admitted into a hospital for a surgery that costed 2 Lakh overall. Nowadays, everything being cashless, the hospitals generate a bill for such surgeries up to double the actual amount i.e 4 Lakhs and get it from insurance companies.
Now ideally after the surgery, if A had a total cover of 5 Lakhs then he must be left with 3 Lakhs but that's not the case, they're only left with 1 Lakh.
This scam is running wide open and one of my friends who supervises TPA in one such hospital introduced me to it.
Yr har taraf scams fraud se pareshan hogaya hun Mai. Normal simple life kyun nahi jeete yr sab
@@Rishi2015 ye sale backbenchers hai 😂
And how do we find such hospitals? Any way to find out?
Sadly we'll never know. I've seen this case in cashless btw.
I too got kidney stone.
for pain you can take MEFTAL-SPAS DS (Mefanamic Acid is effective for such pains take half and if it still doesn't goes take another half within hour)
Avoid Milk because it contains calcium Avoid food which contains excessive Salt (Salty Potato chips or chakna) and Calcium.
Beware it can happen again. take water. ✌🏼 I hope this helps u. Love your efforts ❤️
7:12 we can switch and port the policy in other company with continuity of our waiting period
yes ur right, here sir made a mistake, if waiting period (of suppose pre existing diseases) is 3 yrs (in company X) and we have served 1 yr in it then we need to serve just 2 more years in company Y after porting.
Not only policies have waiting periods for PED but 2 yrs WP is there for specific diseases. Read the policy wordings along with brochure to understand more on this.
That's nice, thanks for replying, you can send a message to number above to our administrator oN watsapp to earn in crypto.. ...
what hbac level is considered diabetes by insurance underwriters?
Please answer this as no one is answering 🙏
-> what if i never claim insurance in 10 years and the premium paid gets equivalent to s insured. In this case it would have been better to just invest this premium paid as SIP?
मुकुल भाई आपके शीघ्र स्वास्थ्य लाभ की कामना करते हैं,
स्टोन आजकल 10 में से 3 लोगों को तो बन ही रही।
RBI के बॉन्ड और T बिल पर टैक्स की विषय में जानकारी चाहते हैं यदि आपका स्वास्थ्य अब ठीक है तो जानकारी की प्रतीक्षा रहेगी।
Mere kam se kam 10 bar stone ho chuka hai pichhle 12 13 salon me dard hoke akhir nikkal hi jata h pani peeke bhut Sara lekin goli lagne se bhi tez dard hota h lagatar 6 ya 8. Ghante
Hope you are well now.
Thanks for the concern Ankit. I am fine now.
Sir, agr 2022 me health insurance buy krte hai to pre existing disease me COVID aa skta hai ??
Hope you are fully recovered now Sir... Prayers for your good health 🙏😌
Thanks.
Sir please Army person aur paramilitary person ke liye term insurance par ek video banaiye please 🙏🙏
Noted Abhishek.
so sir if IRDAI says pre existing diseases means those we had or have during the last 48 months, so it means we dont need to declare diseases/surgeries we had before the 48 months? pls clarify this, very imp!
Please clarify
Yes sir,please clarify
Same condition m mere bhi stone hui thi.
Firstly god bless you with good health and I am 62 yr,with legament problem kiya mujhe health ins, karvana chahiye or kon se co se pl suggest
Just one question how company profits affects the stock price of the company because stock price fluctuates on the basis of demand and supply then why company profits matters?
Demand and supply is due to companies fundamental in the long run.
My wife admitted in hospital for first time due to fits and we don't have any ped and part of insurance from past 5 yesrs still care health insurance rejected the claim simply delaying the process by asking query evry day and after 5 days rejected stating pasy treatment records not submitted..
Please don't get cheated and be sure that they should not deceive the customers
Sir mujhe aap suggest kr do ki LIC me life insurance plan for family kon sa best rahega, five members h , taki kuchh problem aane per private hospitals me ilaaj krwa skun ??
Thanks for letting us know about the definition of pre-existing diseases as given by IRDAI. That 48 months part is very important. 👍🏽
Exactly.
Good blessings my brother ❤ join
कामयाब होने के लिए
अपनी मेहनत पर विश्वास रखना पड़ता है,
किस्मत तो जुए में आज़माई जाती है।
Thank you Shivshankar.
7004803981.
I want to know that health insurance
Works in case of general fractures of hand or legs ??
Please answer
Yes
Sir aage se yadi kisi ko iss terah ki samsya bhavishya me ho to कुलथी/Horse Gram ka upyog karen ..thx
God bless you stay happy and healthy
Thanks Hema.
how much dp charges will apply if i sold two or more stocks of different companies
Its not high, minimum.
Good to see you back
PORT insurance policy ka option hota h. waiting period continues ke liye
Yes.
Get well
Ishwar aapko sadev swasth rakhe
Thanks for your blessing.
from where we should buy health policy - direct from the website of the company or any 3rd party app
Hope so aap hamesha thik.rhe
There is one more term used in health insurance that is Slow growing diseases,could you please put some light on it and how we can claim for such diseases
Get well soon
Thanks for your concern.
Sir, I was diagnosed with IBD Crohn's disease in 2022 (age 22 years), and have not taken any health policy, but now I am not able to buy a health policy, whenever I tell them that I have this disease. But one can fall ill, or due to an accident also get hospitalized, in this case, what shall one do, should I not disclose my pre-existing disease, or without disclosing serve the moratorium period, then raise claims after 8 years if anything happens, till then get treated on my own cost, etc. Please, help/guide or make a video for this type of case, (where, what one should do when the company is not giving insurance to any pre-existing disease, how they should buy the insurance). Thank You.
Good to see you again.. I have no health insurance plan.. Pls suggest to me a how to select a best health insurance plan for my family...
Stay healthy sir... God bless u.
YES YOUR RIGHT SIR JI AND STORE INSURANCE KE BARE ME DETAILS BATAYE SIR
Noted Salim.
Good informative video..all points are explained in a well manner....all points are needful and necessary while taking medical policy.....stay healthy sir ji...
Thanks Mahesh.
Dear sir please make the video on best health insurance for senior citizens
Noted Sir.
& which insurance plan is sending for pre medical checking for any disease,
Hope you have recovered well from your surgery..thanks for bringing this informative video especially on the option to convert corporate GMC to an individual one later
That's nice, thanks for replying, you can send a message to number above to our administrator oN watsapp to earn in crypto.. ...
Sir which is best health insurance plan and company?
i wanted this video since last 1 year. from when i get insured by my company. thanx.
my dad having same issue 😔
Sir could u please guide me which health insurance plan is good , & regarding cashless also, so please guide I want to take plan but i m confused still now
Hi , liked your Video on health insurance and made me think on what I was missing until now in my existing policy. While I still have time, I found that premium gets increased every 5 years and while we would need the policy most, above 60-65, the premium get so high that I started feeling that at age of 75 I have to pay 1.5 lakhs just for premium for 2A +1C and that too when I will not have any income. I Compared Niva Bupa reassure and Bajaj floater platinum and premium structure had high differences while with almost same features. Now I am confused on why so huge difference. Can you guide me here
I went ahead with Niva Bupa reassure as it gives the benefit of refill
Thanks God you are fine Mukul.
Thanks Triguna.
Sir namaste🙏🙏
Sir kaunsa HEALTH INSURANCE family ke lia acha rahega.. Kindly guide me sir
Contact a financial advisor
I suffered from GBS (Guillain Barre Syndrome, one type of neurological fever that happens due to Virus or Bacteria..it is rare disease) at the age of 3 and 1/2 yrs and recovered after treatment at that time.
I got that diseases again at the age of 29 yrs, after 25 yrs of previous occurance.
My Health Claim is rejected by company giving reason of Pre-Existing Disease. But actually it is not a matter of Pre-Existing Disease as per their Policy Wordings and IRDAI definition as you said in this video. I need kind help from you.
I have tired fighting with company.
I need perfect advice to go for consumer court, I am ready to pay fees for better advice.
Please 🙏
You can go to Insurance Regulator and if needed to consumer court. That also depends on whether you informed your insurer about pre-disease or not.
How GMC when transferring to individual, here your wife can claim for her spouse surgery?
7.32 min, As per my knowledge continuity period works even after 1 year policy porting. No such condition seen by me where continuity not applicable. Are you confirmed?
Thanks for your continued knowledge and bagwaan has accepted prayers of your loved ones for your well being.
Thanks
Need your help. How to move from corporate insurance to individual health insurance once i change employer.
Buy personal health insurance
@@AssetYogi thanks for your response. But the premium will be lot higher if I buy a new one. Based on my current age.
Feels good to see you again! Sir I'm thinking of buying Navi health insurance with 25Lakhs cover. I wanted to know is this amount reasonable in Bangalore? Or should I go with 50Lakhs/1Cr cover? I am 24 years old with have no health issues
25 Lakhs is enough.
bha navi claim nhi deti
Private company's are not giving claims? Make a complaint to IRDA
For a second i thought im learning about medical science. haha , Yur conveying power is super stong.
Thanks
Thanks, Stay healthy. May God bless you always.
Thanks Vikas.
Wish you a very healthy & speedy recovery Sir..aapka wait kr rha tha 🙏
Thanks Kunal
Hope you are doing well after your surgery. Thank you for sharing yet another interesting and useful video.
What is your suggestion on taking super top up on existing policy.
If a person is obese/over weight should we declare that in health insurance
Yes absolutely.
Make a video on Vechicle insurance
& types of Vechicle Insurance
Please one up date is when you change company your wating period dose not effect
God bless you Sir, aap jaldi theek ho jaeye
Thanks Jitendra.
Helth plain switch ke upor video banaiye!!
7:32 Sir, please clarify this....I called to executive he says Ki IRDA ki guideline hai... Insurance Company switch k baad bhi continuity benifits milenege??? And Stay Healthy Sir
Hello Siddharth, Company switch k baad bhi policy active rakh sakte hai . After you put down papers connect with HR on this policy carry over. Because once the employment is over . The insurance company will not entertain. Mainly there is no waiting period and the advantage is optimum.
@@luky10dec Sir, Mera....mtlb Insurance Company sai tha...
Hi sir.
I didn't got one point which is as you said that mam was having a corporate insurance which she converted into individual policy.
But how you got the benefit for your surgery from her policy?
Because spouse is covered in such corporate policy
धन्यवाद
Thanks Deepak.
गुरु जी को प्रणाम 🙏🙏🙏🙏🙏
Thanks Vinod.
We are waiting for next vedio
Will Upload Soon.
Thank you for your guidance. Hope you have recovered well. I have one query. Let's say there is a pre existing disease and doctors have not diagnosed it. You have taken health insurance and when you go for claim and if doctor says that the person has pre existing disease then will it be covered by insurance company?
Best regards.
Yes it will be covered bcoz the disease was not diagnosed before making this claim. Only that disease is considered as pre-existing which was already diagnosed at the time of buying the insurance policy. The idea behind this Clause is that the person buying insurance should not hide any already diagnosed disease at the time of buying the first policy hope I was able to help!
Which insurance plan/company covers nursing and home care post surgery? Can someone please help please?
Get well soon sir
Thanks Rakesh
Abhi up thik ho sir!!, Abhi upka tabiyat kesa hai?
Take care of your health. Good Luck
Thanks for your concern Pradipta.
.health is wealth
Always be blessed and healthy.. good to see you after long💐💐🙏🙂
Thanks Alkesh.
Delivery of baby not included in any health insurance....?
It depends on policy to policy.
If I have already individual insurance policy, dn should I have to also take/join corporate policy ?
Corporate policy, if its compulsory then you have to, otherwise you can ignore. Though the charges they levy will be less, so you can take that too.
Make a video on aggregate deductable for health insurance
Policy lene se pehele keya Jo Jo doctor ke saath consultation hua Sabhi disclose korna porega?PED NA HUA TO?
Sir JSA ki apne video me 3 Rd tip btaya h ki health plan 1 year baad switch nh Krna chahiye nh to fresh waiting period applicable hota h...
To sir port k case me to sb benefit continue hote h
Sir, here's wishing you a healthy and speedy recovery. Nice to see you back
Thanks Romesh.
Good to see you mukul bhai .. swastha rahe , khush rahe !!🙏
Thanks
Thanks Mukul. This is very helpful. Stay healthy!
Keep learning.
I defer with you about contunity cover of GMC and in retail policy if it gets ported to other insurer...
Hi Sir, nice info. thanks for the video. If there is no claim for past 4 years, so do we still have to be concerned for the waiting period for any future claim, please adv.
No concern.
Sir ji Lal Dore property per video banaya HARYANA
best health insurance policy for mother please ? she has knee cap or arthritis curenlty..also gastric issues
Sir welcome back, was missing your informative videos. Take care of your health
Thanks Parmar. Keep learning.
I was diagnosed with L4 L5 disc bulge in September 2018, it was diagnosed by my Friend who is Physiotherapist. I have been avoiding Surgery via Excercise and preventive care. I bought a Health Insurance policy last year i.e.2021. So if i go for the surgery will it be covered???
That's nice, thanks for replying, you can send a message to number above to our administrator oN watsapp to earn in crypto..
Thank you sir for your clear explanation on terms of irda policy updates.
Most welcome.
Take care, Stay healthy, god bless you sir🙏🙏🙏
Thanks Sujit.
Make video on Maternity Expenses & Diagnostic,Pathology Expenses in health insurance
There are specific plans for Maternity expenses and rest other expenses mentioned by you should never have any capping in your preferred policy
Thank You Sir, Hope you Recover.
*Please Reply to my My Questions.*
1. Suppose today I bought A Plan with 2years waiting period, after completing 2years If I switched to another Insurer's plan with 3 years of waiting period. What will be the Effective waiting period for that new plan?
2. My father has Diabetes, If I choose a plan with 2 years waiting period. If within 2 years he had to admit to medical for any disease. Will the Insurance company cover?
Thanks for your wish.
1. Since waiting period is already exhausted, no waiting period will be there.
2. You need to talk to insurance company. opt for a insurance with coverage of Diabetes.
@@AssetYogi thank you for your valuable reply.
Hope feeling good now... take care
Thanks Asif.
Good to see you back sir !! and dont be sorry just take care !!!
Thanks Kapil
Take care 🌹
Be happy always
Thanks
V. Knowlegable video sir.
Thanks Vishnu.
Hi Sir, My Laser Kidney Stone Surgery was done in 2011. I have taken medical insurance from aditya birtla in Aug 2022 and this is my first time, I am taking any heath insurance plan. I didn't inform them about my surgery. Will it create problem to get the claim in future?
بہت معلوماتی بلاگ ہے۔