Co-Payment VS Deductible in Health Insurance - What's the Difference 🤔 | Gurleen Kaur Tikku

[@parmarkrishna]

Very important information thank you

[@GurleenKaurTikku]

Glad it was helpful, keep watching 😊

[@RohitSingh-xc5ci]

can deductible opted in one health insurance could be paid through another corporate insurance. if yes please explain

[@nidhishchandran9091]

I already took Niva Bupa ReAssure 2.0 from Hareepatti team. I have below queries. 1) Is it possible to set deductible and co-payment in amount rather than in percentage? For example, can I set deductible/co-payment amount as 3 lakh, since I have a coverage of 3 lakhs of HDFC Ergo from my employer? 2) Suppose I have a claim amount of 4 lakhs. Is there is any chance to face any difficulties to get the claim amount of excess 1 lakh from ReAssure 2.0? 3) Will I face any issues related to the cashless facility, if I want to club the claim from 2 insurance companies? 4) Do I need to inform both ReAssure 2.0 and HDFC Ergo team during the hospitalization time itself? Please note, during hospitalization we may not be aware about the final amount? 5) Which one (deductible/co-payment) is better for me, since I have a coverage of 3laakhs from my employer?

[@GurleenKaurTikku]

Hello Sir, Answering your queries below: 1. Deductible can be set in amount and co payment is in percentage only. 2. ⁠No issues, claims are settled smoothly 3. ⁠If we try to file claims from both the companies in cashless- It will actually depend on the first company to issue claim settlement letter which may take time. It is suggested to pay the deductible amount in cash and can later on be reimbursed from the corporate insurance 4. ⁠You can inform the first company and if required the second company 5. ⁠Deductible is better We can connect over a call for further queries if any. Regards Gurleen

[@nidhishchandran9091]

Thank you for the details.

[@guidancelifeuncut8016]

Madam,, my name is Asit Kumar Goswami from Kolkata.. My age is 70 years. I have a policy with Niva Bupa applying a deductible amount of Rupees 1 lakh. For compensating the deductible amount I have also taken a policy from Star Health Insurance (S.A. 1 LAKH). In the case of hospitalization if I submit both the documents from both the insurance companies and if the bill rises above rupees 1 lakh then can I get a cashless facility from both the companies? Or one cashless and one reimbursement procedure will be applied for the claim?

[@Aman_Gupta21]

Yes you can get cashless facilities from both the insurer

[@guidancelifeuncut8016]

@@Aman_Gupta21 Thank you so much

[@vreminent1071]

Hello Mam, I have bought Care Supreme policy today without Health check up rider, Can I add this Annual health check up rider on policy renewal?

[@ankitrawat2426]

Mam policy with deductible can be ported? Plz reply

[@rajeshsaxena6508]

Senior first and companion which one is better, if you said senior first my first question is this, deductible is better or co pay please bataye .I am asking for some one whom age is 68 and spouse age 65

[@jayamcharankumar4906]

Hi Madam, if we select decutible as 50000 and along with opd cover rider. If I claim for opd for some amount at first 5000. Is my claim will approved and refund it or you select decutible, so patient need to pay. Which one is correct here.

[@GurleenKaurTikku]

Opd is separate and not part of deuctible

[@nidhiverma22]

Deductible applies to inpatient hospitalization benefits. OPD is a separate benefit.

[@Moorthy-nh2zn]

HI mam.. I am an NRI living in Dubai. Recently I was planning to apply for health insurance and for NRI do we get GST refund options. If yes, then is that the limited time offer.

[@malkisukh]

hello mam.... i am a government employee... can I claim co-pay amount from government and balance amount from insurance company ?... is it possible.

[@GurleenKaurTikku]

Yes, possible

[@srinivasrajamahanti]

Madam,previously I purchased hdfc optima secure with deductible 50k,they told me I have to pay 50k for every claim in a year,so I shifted to care

[@GurleenKaurTikku]

It is annual aggregate deductible, need to pay only for the first claim in a year

[@MrShubh12]

मेरे पास ५ लाख की कॉर्पोरेट पॉलिसी है, क्या मे private पॉलिसी मे ५०,००० का deductible ले सकता हूँ? क्या बाद मे इसको चेंज कर सकते हैं? HDFC Ergo Optima Secure।

[@GurleenKaurTikku]

Yes, easy switch option available after 5 years ( please refer its T&C)

[@SatnamSingh-fv9vs]

Good

[@GurleenKaurTikku]

Thanks, keep watching 😊

[@christopherfernandes796]

Appreciated...your reply for the comment last time was a great help to my friend as she was detected with diabetes and she disclosed it to the insurer after 3 years since the inception of the policy. Madam i have a personal accident policy from bajaj allianz more than 10 years back, its is 25lakhs family floater policy. as per their terms and conditions after 66years the max. insured they will give is 10 lakhs only. when i need the most i have to go ahead with a smaller sum insured policy. when i raised this to the company they told me about global policy personal guard (GPGP) policy which i can extend only upto 70 years of age. porting i thought was not a good option and the GPGP. I am still reviewing it...be kind enough to help me in this matter so that i can have the benefit of a good policy with a life long renewal option considering the future cost of hospitalization. Thank you once again for spreading the good news

[@TharaSampoornam1402]

Didi Hapy Holi

[@Vageta19]

Kiseko bhe policy buy karna he to muje replaye kare