12 Simple Questions about Health Insurance | Health Insurance FAQs | Gurleen Kaur Tikku

[@world_beyond_walls]

Very helpful video. You've addressed all the important points. Great presentation as always.

[@GurleenKaurTikku]

Thanks jee, I am glad you found it helpful 😊

[@tomlee126]

Bought 5 lakh coverage for my mom in 2019 for the next three years for 45K. Everybody scolded me and made fun including my mom. On 2021 July she tested positive and was admitted to ICU with severe covid symptoms. by God's grace, she battled in ICU for 7 days and came out healthy. The bill was 3.5 lakh for 7 days. I paid zero from my pocket. Power of Health insurance.Thanks, Aditya Birla. This is a great video. I wrote down the points and will use them when opting for next FY health insurance.

[@GurleenKaurTikku]

Awesome, Thanks for sharing this. Health insurance is actually not a choice, it is necessity like roti, kapda aur makaan.

[@rishabchoudhury7792]

Hey buddy.. Same case .. Don't know why parents are reluctant to health insurance .. But they can invest 1 to 1.5 lakh in so called investments plan where return is 5-6 % from their so called financial advisors who are running only for their commissions

[@sameetverma7296]

Informative Presentation 👍 waiting for your next updates

[@AshokSharma-qk8jc]

बहुत ही ज्ञानवर्धक वीडियो है कृपया आगे भी बनाते रहें कृपया टॉप फाइव कंपनी के नाम तो अभी बता दीजिए प्लीज मैडम जी सुना है कि मैक्स बूपा कंपनी में जिस साल क्लेम लेते हैं उसके नेक्स्ट ईयर कंपनी प्रीमियम बढ़ा देती है क्या यह सही है

[@GurleenKaurTikku]

Thank you jee For any queries, get in touch with us on call/WhatsApp at 9650706699.

[@tapasranjansanyal8718]

Really good you are 1 among 10🎉

[@manishkumarsingh6592]

Thanku mam for information

[@vipulpansuriya7669]

Meri income 18000 per month he konsi policy lu 5 lakh Tak sath me my mother also

[@Sudhirkumar-ve6le]

Thanks Mam's

[@mrinalbiswas2280]

Can you please explain more on "sooner you buy lower the premium"? Ain't the premium keep increasing with age despite buying insurance at lower age?

[@ashwanivermani7790]

How is manipal Cigna lifetime policy kindly make a video for same.

[@GurleenKaurTikku]

Sure, Thanks for the video suggestion. Keep Watching !!

[@rohitpandey9986]

Thank you for spreading the knowledge for awareness. This was awesome presentation covering most of the topics to help people buy medical insurance. Waiting for next video to know about top 5 companies. When will it be out?

[@GurleenKaurTikku]

Thank you jee :) and yes, the video will be out in the coming week . Stay Tuned !

[@shakilhasan5473]

Very well explained

[@vishalbansal5430]

Hello mam, thanks for spreading knowledge on health insurance. I have a very specific questions on critical illnesses. Is it true that critical illnesses like cancer, open heart surgery, liver transplant etc are covered only after specific severity of the disease. For eg. If someone is diagnosed with early or stage 1 cancer and he gets admitted for surgery, he will not get claim? Is it true that only stage 2 ,3 or last stage treatment is covered. I see this condition in some standard health policies. Please clarify. Thanks.

[@hitesharora2034]

Hdfc ergo vs star health best plan complete for family comparison video

[@GurleenKaurTikku]

Great suggestion ! Will definitely shoot a video soon :) Thanks

[@NHP_0034]

Good information mam

[@GurleenKaurTikku]

Thanks jee 😊

[@balaji9412]

Usefull

[@GurleenKaurTikku]

Thank you jee :)

[@pinnamsrinivasarao8526]

CARE HEALTH,NIVABUPA,&STAR HEALTH WHICH IS THE BEST SERVICE MADAM ?

[@kanthiswaroopsanagapalli5433]

Hi Mam, could you do video on aditya birla platinum enhanced with latest version comparing with other best plans? Thanks in advance.

[@GurleenKaurTikku]

Sure, Thanks for the video suggestion. Will shoot a video soon :) Keep Watching !

[@prasenjitchatterjee8863]

Hi Madam, which one is better between HDFC ergo optima restore and star health comprehensive for individual health insurance?

[@GurleenKaurTikku]

Depends on various factors & your requirement. If you have any queries regarding Health Insurance , feel free to get in touch with us on Call/ WhatsApp at 9650706699 Thank you

[@drsundersingh8089]

पोर्टेबिलिटी में लॉयल्टी का कंसेप्ट क्या है क्योंकि पुरानी कंपनी में मुझे 8 साल से हेल्थ प्लान है अब मैं पोर्ट करू तो क्या होगा

[@smileysmiley1]

Mam is there any policy for heart bp sugar patient aged 70 old and less waiting period

[@hitesharora2034]

Maan joh maternity benefits hota plan mah usma normal delivery ya C section sab kuch cover hota hai new born bady ka sabi expense cover hota hai

[@GurleenKaurTikku]

Normal and C section, both are covered under maternity coverage. If new born baby rider is added, then claim will be paid.

[@gurjantsingh9380]

Hello Mam best health insurance kon si company ki aa? Suggest me

[@GurleenKaurTikku]

Hello jee, please get in touch with our team on Whatsapp/call at 9650706699. They can help you choose the best health insurance as per your requirements. Thanks

[@world_beyond_walls]

Mam, let's say that in a hospital, there are three sub-categories under a "single private room": 1. Standard room 2. Deluxe room 3. Super deluxe room Which one is acceptable, considering that they all fall under the same category? Thanks.

[@GurleenKaurTikku]

Navin jee, usually any sub category can be opted for. It is better to check in your policy if they cover all these under single room definition.

[@farhansufyan9988]

First of all very informative video. I want your opinion on health insurance. Niva bipa reassure, HDFC ergo or Navi plan 2. My age 33, wife 31 and son 1 year. What you suggest Mam. Not suffering from any disease, all members are completely fit and fine. Should I buy 10 L + super top up plan or go with 20 L policy.

[@GurleenKaurTikku]

Farhan, you can choose between Max Bupa Reassure and HDFC ergo secure. There is a comparison video available on our channel. In case you require any assistance, you may get in touch with us at 9650706699

[@farhansufyan9988]

@@GurleenKaurTikku Mam can you send the link of the comparison video.

[@raviojha7319]

Mem ek video hdfc vs tata aig camper kar ke video banaye

[@GurleenKaurTikku]

Ok jee, sure

[@thesniper2807]

Hello madam...madam I have multiple questions, request you to answer these 1)if disease occurred after taking health insurance (like Myasthenia Gravis)....is it compulsory to inform insurance company ? 2) If yes than what could be consequence of not informing ? 3) Suppose I hide disease A which occurred after taking health plan and claim occurred for disease B than can company rejects claim? 4)I heard as per regulatory guideline if I continue to renew health plan for continues 7 claim free years than company cant refuse claim in any case. Is it true? Is there any regulatory guidelines in this matter? What is that clause?

[@GurleenKaurTikku]

1. If the disease is not a PED and occured after buying the policy, then it is not necessary to inform the insurance company. 2. No effect on the policy. 3. At the time of claim, you should be having a first consultation paper when this disease was diagnosed as a proof that this was not a PED. 4. Yes, it is called moratorium period that company can't reject claim if policy has been running straight for 8 years.(T&C apply)

[@world_beyond_walls]

Mam, what are your thoughts about "Medi Assist" TPA? Have you had any experience at all with them (personally or through a client)? My health insurance policy has Medi Assist TPA, so just wanted to know how reliable they are. Thanks.

[@GurleenKaurTikku]

Don't have any first hand experience with them.

[@rohitpandey9986]

I know about 1 case with medi assist TPA. They are good. Just like any other TPA their cashless claim settlement takes around 6-7 hrs and they did not cover laser related operation costs, maybe due to policy of insurance company.

[@bondwiththebest444]

Ma'am, kindly let us know is there any different rate cards for hospital treatment for individuals treating themselves with & without medical insurance? Because we have experienced differences is treatment pricing in same hospital within a span of 7 months.

[@GurleenKaurTikku]

Ashish jee, no rate cards available.

[@dr.shreyas123]

yes, insurance companies make agreement with network hospitals bounding them to negotiated rates.

[@tapasranjansanyal8718]

I have Epilepsy symptoms one year before & recently I am taking Evipil-500 tab daily as per Doctor advice. If I now take a new policy is it essential to mention it. Please advice.

[@GurleenKaurTikku]

Yes, it is mandatory and important to mention this in new policy as it is a material fact.

[@LaughLoveLifestyle]

Hi. Great vid. Just wanted to confirm one thing. For ex. I currently have mediclaim policy with a co. And i want to stop with that and go with a new health insurance co. Which can provide better benefits and advantages, so if i port from existing one to a new one, will the premium increase in new co. & what are the things that can be carry forward and benefits of porting to new co.? Also what are the disadvantages of porting (if any)? Or we should get a fresh policy with new co.? Thanks

[@GurleenKaurTikku]

When you port to a new company, you get the benefits of the new company and also pay premium that new company is charging - it can higher/ lower or same. Continuity benefits will be given in case of portability. If portability is an option, don't go for a fresh policy. For details on portability , pls refer the below detailed video on our channel kzbin.info/www/bejne/moLHYahoYsSIfJo

[@LaughLoveLifestyle]

@@GurleenKaurTikku thanks. 1 more thing. Does hdfc ergo has policy for person aged 70yrs old?

[@jitendrabajpai3809]

Policy change karne me kya purane faide milenge

[@GurleenKaurTikku]

Jee, milenge

[@roopabinjola2902]

My husband is having Hypertropic Cardiomyopathy since Aug 2021. We are not able to get insurance for this disease. Can u pls guide us which insurance company can cover this. Doctor has prescribed for life time medicine. No surgery is required. He is diabetic also. His age is 47. Pls mam guide us.

[@GurleenKaurTikku]

Regretfully, policy is not possible for him

[@manoranjankumar4520]

मैम निवा बूपा का क्लेम सेटेलमेंट TPA से है या खुद के टीम द्वारा? आदित्य बिड़ला का क्लेम सेटेलमेंट TPA से है या खुद के टीम द्वारा ? Hdfc का क्लेम सेटेलमेंटTPA से है या खुद के टीम द्वारा? इन तीनो कम्पनियों में से किनका क्लेम सेटेलमेंट,ग्राहक सपोर्ट Etc ज्यादा(बढ़िया)है ।

[@GurleenKaurTikku]

All 3 companies have in house claim settlement team, no TPA

[@amitdhenge6501]

Mam unrelated treatment ka meaning thoda aur samjhaiye.

[@GurleenKaurTikku]

Unrelated illness means it should be different illness that can be claimed in refill which has not already been claimed in base insurance

[@samratroy6671]

Ma'am! Which Health Insurance you personally use? Also tell us why you have chosen that insurance. Thank you in advance.

[@GurleenKaurTikku]

Samrat jee, We are holding Max Bupa Health companion family Floater with 100% NCB for the last 7 years now. I would want to internally port to Reassure but it is a conscious decision to not do because of the 2 reasons 1. The 100% No claim bonus will not be carried forward 2. There is a medical history which was diagnosed 3 years back

[@tapasranjansanyal8718]

Good afternoon Madam, today I talked with HDFC Ergo Representative, he said I am not eligible for HDFC Ergo Optima Restore Plan, my date of birth 21.01.1956, is he said right?

[@GurleenKaurTikku]

Tapas jee, you can buy policy before your 66th birthday. The policy should be issued before 66, in that case you can start the process now.

[@WakhraSwagJaswantSingh]

Mam I have an HDFC Ergo Health Suraksha Family Flotter Plan running from last 10 years now due to premium increased I want to port in ICICI I Health plan. Kindly tell me it will be right decision or not ? ICICI is giving me 5 Lakh S.A. instead of 2 Lakh in the same premium of HDFC Ergo.

[@pandurangdesai4795]

I think continue with same company

[@WakhraSwagJaswantSingh]

@@pandurangdesai4795 any specific reason sir

[@GurleenKaurTikku]

Jaswant jee, yes can be done.

[@WakhraSwagJaswantSingh]

Thanks alot Gurleen ji.

[@tradeninja3282]

Can one get complete re assurence for both tier 1 and tier 2 cities.. somewhere I read if one take premium from tier 3 and get health check up from tier 1 then only 80 percent is given.

[@GurleenKaurTikku]

Depends on policy to policy, pls share the policy for which you want this clarification on.

[@shanidige9484]

Mam Kindly suggest me health insurance plan for my mom(46) & dad(53) my dad faced heart attack 10 years back & liver cirrhosis 6 months back so in which insurance will cover this both disease in pre existing disease.? Kindly reply it will really helpful

[@GurleenKaurTikku]

Hello jee, it is difficult to get insurance policy for them. Most of them will not accept basis the information shared by you. You can try for Star health insurance , they might consider with some exclusions.

[@loveyjhinger]

MAAM I am Govt employee... Should i have health insurance for my family?

[@GurleenKaurTikku]

Yes, you can definitely have a standalone health insurance for comprehensive coverage beyond CGHS benefits.

[@loveyjhinger]

@@GurleenKaurTikku okey.. thank You Maam💗😀

[@ManojSelvaraj]

Can you add subtitles going forward mam?

[@GurleenKaurTikku]

Sure, will try

[@kamaljyotidas471]

Ma'am my age is 31 and my wife is 23. which one is better for 7lakh sum assure .navi or icici health advantage fund.which one is better ma'am.plz suggest me ma'am

[@GurleenKaurTikku]

Kamal jee, depends on what benefits you are looking for in the policy- please get in touch with us at 9650706699

[@vishalnair87]

Madam, my permanent address in all proofs is mumbai, but my proprietorship office is at ernakulam and presently settled in kerala.. Will it be a problem if I take medical insurance with office gst address proof

[@GurleenKaurTikku]

Vishal jee, It is advisable to take insurance from Mumbai address as photo id address proof is required at the time of claim

[@healthiswealth8941]

मैम मेरा नाम ओमप्रकाश पटेल है। मैंने 7 महीने पहले मैक्स का 5 लाख का reassure प्लान लिया है अभी 3 महीने पहले मुझे मेरे सरीर में कमजोरी आयी और हॉस्पिटल जाने के बाद मुझे पता चला कि मुझे हाइपर टेंसन है और उसकी वजह से मेरा दोनों किडनी लगभग फेल हो गया है। जब मैं होस्पिटलीज़ हुआ तो मैंने कॅशलेस के लिए रिक्वेस्ट किया मैक्स वालो ने एग्जिस्टिंग इलनेस पे 2 साल का वेटिंग पीरियड कहके रिजेक्ट कर दिया। अब मैं दूसरे कंपनी का पालिसी लेना चाहता हु। मुझे एन्ड स्टेज ऑफ क्रोनिक किडनी डिसीस हैं। क्या मुझे पालिसी मिलेगी। hdfc life, ya star ka. 3 साल या 4 साल का वेटिंग पीरियड खत्म होने के बाद क्या मुझे प्रि एग्जिस्टिंग डिसीस पे क्लेम मिल पायेगा अभी मेरा 2 महीने के अंदर ट्रांसप्लांट हो जाएगा।

[@healthiswealth8941]

Mam please reply me

[@GurleenKaurTikku]

On the basis of medical history, it is difficult to get policy in other companies

[@Rahulwaghumbare]

स्टार हेल्थ कंपनी का इन्शुरन्स कभी मत लेना, बहुतही घटिया कंपनी है, दावे बडे बडे करती है, लेकिन इन्शुरन्स क्लेम सेटल नही करती.