Biggest Health Insurance Secret - Avoid Rejection on Your Mediclaim Policy

[@AssetYogi]

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.

[@abhiswift2009]

Good to see you back. Stay Healthy Bhai.

[@AssetYogi]

Thanks Abhishek Brother.

[@luky10dec]

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%.

[@granel0763]

How is star health?

[@vishwadeeptiwari7202]

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

[@Arnav185]

Please read carefully all the documents you are not updated regarding health insurance

[@surajsun4]

@@vishwadeeptiwari7202 max bupa is also good option, and pls check their claim settlement ratio and balance sheet before buying the insurance.

[@funnydubbing7730]

@@vishwadeeptiwari7202 log bura q bol re h fr usko

[@viki_sky007]

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 ❤️

[@HealthyIndianKitchen]

Sir aage se yadi kisi ko iss terah ki samsya bhavishya me ho to कुलथी/Horse Gram ka upyog karen ..thx

[@krunalshah7661]

7:12 we can switch and port the policy in other company with continuity of our waiting period

[@navneet2649]

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.

[@mp4_sachin]

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.

[@Rishi2015]

Yr har taraf scams fraud se pareshan hogaya hun Mai. Normal simple life kyun nahi jeete yr sab

[@kundanmandare]

@@Rishi2015 ye sale backbenchers hai 😂

[@akilansundaram2181]

And how do we find such hospitals? Any way to find out?

[@mp4_sachin]

Sadly we'll never know. I've seen this case in cashless btw.

[@MaheshTrishan]

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।

[@arjunps6776]

Thanks for letting us know about the definition of pre-existing diseases as given by IRDAI. That 48 months part is very important. 👍🏽

[@AssetYogi]

Exactly.

[@satishbhardwaj374]

i wanted this video since last 1 year. from when i get insured by my company. thanx.

[@arpanmajumdar]

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.

[@moneypechu2271]

That's nice, thanks for replying, you can send a message to number above to our administrator oN watsapp to earn in crypto.. ...

[@2889arun]

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.

[@paragabhyankar962]

Hope you are fully recovered now Sir... Prayers for your good health 🙏😌

[@AssetYogi]

Thanks.

[@A.Pheno-Menon]

Hope you are doing well after your surgery. Thank you for sharing yet another interesting and useful video.

[@salillavgankar6494]

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

[@moneypechu2271]

That's nice, thanks for replying, you can send a message to number above to our administrator oN watsapp to earn in crypto.. ...

[@maheshdaware-swamicomputer6955]

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...

[@AssetYogi]

Thanks Mahesh.

[@abhijeet8stocks]

Good to see you mukul bhai .. swastha rahe , khush rahe !!🙏

[@AssetYogi]

Thanks

[@navneet2649]

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!

[@pateldipak9232]

Please clarify

[@anupbarik5741]

Yes sir,please clarify

[@kapilbablani7249]

Good to see you back sir !! and dont be sorry just take care !!!

[@AssetYogi]

Thanks Kapil

[@kamleshkathuria8104]

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

[@dilip9198]

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 ??

[@akmalfiroz]

Feels good to see you again!

[@AssetYogi]

Thanks sir.

[@globalwarming3528]

Thanks for your continued knowledge and bagwaan has accepted prayers of your loved ones for your well being.

[@AssetYogi]

Thanks

[@siddharthapaliwal5798]

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

[@luky10dec]

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.

[@siddharthapaliwal5798]

@@luky10dec Sir, Mera....mtlb Insurance Company sai tha...

[@ThinkForBetterment]

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

[@ultimategamer2579]

Helth plain switch ke upor video banaiye!!

[@Shera_wrestlers]

God bless you Sir, aap jaldi theek ho jaeye

[@AssetYogi]

Thanks Jitendra.

[@kunalchaudhari3784]

Wish you a very healthy & speedy recovery Sir..aapka wait kr rha tha 🙏

[@AssetYogi]

Thanks Kunal

[@TruthIndex1388]

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?

[@AssetYogi]

Demand and supply is due to companies fundamental in the long run.

[@romeshkirpalani848]

Sir, here's wishing you a healthy and speedy recovery. Nice to see you back

[@AssetYogi]

Thanks Romesh.

[@CosmicGoat-d3o]

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.

[@diybankingwithamandeep5983]

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!

[@parmarkrishna]

Sir welcome back, was missing your informative videos. Take care of your health

[@AssetYogi]

Thanks Parmar. Keep learning.

[@sugandhtriapthi]

What is your suggestion on taking super top up on existing policy.

[@ek_ta6037]

Thanks Mukul. This is very helpful. Stay healthy!

[@AssetYogi]

Keep learning.

[@KAMATPOWER]

Good blessings my brother ❤ join कामयाब होने के लिए अपनी मेहनत पर विश्वास रखना पड़ता है, किस्मत तो जुए में आज़माई जाती है।

[@AssetYogi]

Thank you Shivshankar.

[@KAMATPOWER]

7004803981.

[@prakashkashyapjha]

We are really happy to see you back. Stay healthy and happy

[@AssetYogi]

Thanks Prakash.

[@secrethg10]

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

[@sachink4888]

I went ahead with Niva Bupa reassure as it gives the benefit of refill

[@Anonymous-mc3pb]

Good to see you back again

[@AssetYogi]

Thanks

[@niladrisdingal6452]

from where we should buy health policy - direct from the website of the company or any 3rd party app

[@Ruined_Pirate]

Hi Mukul, always admire your videos. Could you please suggest which one is best between HDFC Ergo, Tata AIA, Aditya Birla and Star??

[@AssetYogi]

Thanks

[@FIROZKHAN-hb5wi]

After so many days 🤗🤗 Nice to see you back

[@AssetYogi]

Thanks Firoz.

[@sujitshow3703]

Good to see you back

[@AssetYogi]

Thanks Sujit.

[@atulsingh7539]

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.

[@alkeshkumar86]

.health is wealth Always be blessed and healthy.. good to see you after long💐💐🙏🙂

[@AssetYogi]

Thanks Alkesh.

[@swapnilmhaskar4973]

Happy to see you back Sir, take care 🙂

[@AssetYogi]

Thanks, you too!

[@vikramgoyal480]

Good to see you with same energy sir.

[@AssetYogi]

Thank you Vikram.

[@trigunavishwanathpandey9840]

Thanks God you are fine Mukul.

[@AssetYogi]

Thanks Triguna.

[@subhajit88basu]

Thank you sir for your clear explanation on terms of irda policy updates.

[@AssetYogi]

Most welcome.

[@sarvanshsinghal1245]

I want to know that health insurance Works in case of general fractures of hand or legs ?? Please answer

[@AssetYogi]

Yes

[@trashchannel6869]

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

[@AssetYogi]

25 Lakhs is enough.

[@funnydubbing7730]

bha navi claim nhi deti

[@dipalipatwardhan2024]

Private company's are not giving claims? Make a complaint to IRDA

[@kanhucharanpradhan292]

Sir namaste🙏🙏 Sir kaunsa HEALTH INSURANCE family ke lia acha rahega.. Kindly guide me sir

[@AssetYogi]

Contact a financial advisor

[@vikasgupta3946]

Thanks, Stay healthy. May God bless you always.

[@AssetYogi]

Thanks Vikas.

[@mohammedsalim5586]

YES YOUR RIGHT SIR JI AND STORE INSURANCE KE BARE ME DETAILS BATAYE SIR

[@AssetYogi]

Noted Salim.

[@Rishi2015]

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?

[@sachin1407]

I defer with you about contunity cover of GMC and in retail policy if it gets ported to other insurer...

[@rajalakshmisahu7233]

Good to see you after long time.

[@AssetYogi]

Thanks Rajalakshmi.

[@aksingh1180]

Hllo sir, jaise kush companies bina health checkup ke policy deti hai ,abi tk hme pta hi nhi koi pre existing disease hai jaa nhi naa humne health checkup krvaya hai Vo insurance policy me cover hogi 2nd one is that medical company ko kaise pta lge gaa ki yeh disease 4 years old hai

[@pradiptakumarmishra6039]

Take care of your health. Good Luck

[@AssetYogi]

Thanks for your concern Pradipta.

[@pratikgulve6150]

Make a video on aggregate deductable for health insurance

[@ankitrawat2426]

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

[@laxmanmadhusudan413]

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.

[@AssetYogi]

No concern.

[@Asryoutube]

Need your help. How to move from corporate insurance to individual health insurance once i change employer.

[@AssetYogi]

Buy personal health insurance

[@Asryoutube]

@@AssetYogi thanks for your response. But the premium will be lot higher if I buy a new one. Based on my current age.

[@vijayjain1160]

Ishwar aapko sadev swasth rakhe

[@AssetYogi]

Thanks for your blessing.

[@royaljudgementhn]

Abhi up thik ho sir!!, Abhi upka tabiyat kesa hai?

[@aatikfanaskar2813]

Sir which is best health insurance plan and company?

[@prakashsoni6304]

how much dp charges will apply if i sold two or more stocks of different companies.

[@fpsupravatfinancesimplifie2124]

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?

[@Kalita11]

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?

[@AssetYogi]

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.

[@Kalita11]

@@AssetYogi thank you for your valuable reply.

[@garavabhaivaghela9151]

Best no. 1 health insurance video

[@AssetYogi]

Thanks.

[@rajushaw6587]

PORT insurance policy ka option hota h. waiting period continues ke liye

[@AssetYogi]

Yes.

[@akhilmj5515]

Good to see you again... Stay healthy 💕

[@AssetYogi]

Thanks Akhil.

[@pratikgulve6150]

Make a video on Vechicle insurance & types of Vechicle Insurance

[@hemakatekar1225]

God bless you stay happy and healthy

[@AssetYogi]

Thanks Hema.

[@nipunshah9572]

If I have already individual insurance policy, dn should I have to also take/join corporate policy ?

[@AssetYogi]

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.

[@resinhomefurniture1]

For a second i thought im learning about medical science. haha , Yur conveying power is super stong.

[@AssetYogi]

Thanks

[@rgtalks2104]

Good to see you back, can you make one detailed video to lay down the process to convert the group corporate insurance to an individual one.

[@AssetYogi]

It’s not very difficult. Just contact the insurance company. They will guide step by step.

[@pratikgulve6150]

Make video on Maternity Expenses & Diagnostic,Pathology Expenses in health insurance

[@diybankingwithamandeep5983]

There are specific plans for Maternity expenses and rest other expenses mentioned by you should never have any capping in your preferred policy

[@AsifShaikh-lv5ix]

Hope feeling good now... take care

[@AssetYogi]

Thanks Asif.

[@sijaandvihan4604]

Really to hear you after long time. Stay fit.

[@sijaandvihan4604]

Happy

[@bhartiyashikshaofficial6193]

Sir please Army person aur paramilitary person ke liye term insurance par ek video banaiye please 🙏🙏

[@AssetYogi]

Noted Abhishek.

[@vinod.yadav.software]

गुरु जी को प्रणाम 🙏🙏🙏🙏🙏

[@AssetYogi]

Thanks Vinod.

[@subratabairagi5166]

Policy lene se pehele keya Jo Jo doctor ke saath consultation hua Sabhi disclose korna porega?PED NA HUA TO?

[@SonuKumarGupta-jl6sm]

& which insurance plan is sending for pre medical checking for any disease,

[@saurabhkumar-ey7sz]

Same condition m mere bhi stone hui thi.

[@shabbirahmeddar7765]

بہت معلوماتی بلاگ ہے۔

[@1686amit]

Thanks Mukul for your informative videos as always, I have been the ardent follower of yours and viewing every video related to finance and other important topics. I am having one issue as below: Though I am insured by my organization's health insurance and fortunately have never been hospitalized in my whole life but to be on safer side, I want to buy additional insurance as company plan is with restricted sum assured. But I have been denied the insurance plan by almost all companies (Tried with HDFC ergo, ICICI, Star health, Max Bupa, Navi health insurance and simply rejected or denied by them). Reason is I am having one genetic condition(not life threatening) due to which I am having disability condition in the legs, I read the IRDA paper on insurance on genetic issues and basis on this tried with all companies, mailed and spoke with them for giving insurance, but no success. Simple answer by the companies is, as per their underwriting team guidelines they cannot provide health insurance to me. You have been the content creator who present the details in depth and for the benefit of the people. Can you pls share 1 elaborated video giving details on how a tax payer person with disability can get the health insurance.

[@AssetYogi]

Insurance companies deny insurance to people, in this case you can't do anything. Make an emergency corpus for health needs.

[@1686amit]

@@AssetYogi Thanks for the valuable advice.

[@satishbhardwaj374]

try lic for once.

[@tushargha.i]

Good to have you back sir, take care of your health

[@AssetYogi]

Thanks Tushar.

[@manamohanchoudhury]

Good to have you back sir . take care of your health

[@keyurrughani3687]

Very good, Informative video, but sir if a person port the existing policy after one year then by providing previous year policy to the new insurance company then the waiting period is waived off for the one year out of the two years waiting period, isn't it What you say?

[@AssetYogi]

No, old policy waiting period will be these.

[@pateldipak9232]

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 🙏

[@AssetYogi]

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.

[@sujitjoshi180]

Take care, Stay healthy, god bless you sir🙏🙏🙏

[@AssetYogi]

Thanks Sujit.

[@investneur8232]

best health insurance policy for mother please ? she has knee cap or arthritis curenlty..also gastric issues

[@pankajmunde3927]

Take care sir. I really missed you! Stay healthy.

[@AssetYogi]

Thanks Pankaj.

[@neerajgaur6610]

If i have to pay health insurance premium by credit card then any extra charge on credit card?

[@AssetYogi]

No.

[@AshishPandey-vy8wd]

what hbac level is considered diabetes by insurance underwriters?

[@akshaykatyal2538]

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?

[@gangotrisut3081]

Because spouse is covered in such corporate policy

[@urmilapandey9579]

Sir agr koi disease ya treatment, 48 month se v phle liya ho. To wo v pre existing m aega?

[@AssetYogi]

Yes, you have to inform the insurance company

[@urmilapandey9579]

@@AssetYogi but video m to apne btaya ki irda ne 48 month old ko hi pre existing btaya h

[@kavitamore6409]

Konsa health insurance acha hai? May age 48 bp ,husband age 56 bilkul fit hai pl reply

[@AssetYogi]

Contact a Financial Planner

[@niravkoladiya6803]

is it possible to take top-up on corporate plan during job

[@itsmeparul]

Bro, can you please guide us on whether we should purchase the insurance policy online or only through an agent? I've heard that the claim rejection is higher via the online route.

[@akilansundaram2181]

It is said that the agent helps to escalate the matter in case of claim rejection and at least communicated the exact reason of rejection to us. So, I feel like having an agent (connection to the insurance company) is better.

[@rajaryansingh2076]

Good to see you back sir

[@AssetYogi]

Thank you. Keep learning.

[@jyotichohan2554]

Thank you sir for great knowledge 👍&stay healthy

[@AssetYogi]

Most welcome Jyoti