Corporate Health Insurance VS Individual Health Insurance | Don't Rely on Corporate Health Cover 😱

Corporate Health Insurance helps to provide coverage to employees in case of any emergency, accidents or illness.
Most of the organisations are providing Corporate Health Insurance Cover as a perk for their employees,
But having an independent individual health insurance is also important.
In this video, we will discuss Basics of Corporate/Group Health Insurance & why it is a good idea to have standalone retail plan.
TIME STAMPS
0:00 Introduction
1:10 Types of Corporate Insurance
1:37 How is the Premium of Corporate Health insurance decided ?
2:53 Difference between Corporate Health insurance and Retail Insurance
3:59 Pros and Cons of Corporate Health Insurance
6:22 My take on Corporate Health Insurance
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#corporatehealthinsurance #healthinsurance #healthinsurance2021 #individualhealthinsurance #healthinsuranceindia #grouphealthcover #healthinsuranceagent #financialplanning #healthcover #gurleenkaurtikku #hareepatti
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 15 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

[@baburaoshivangekar5307]

Apaki jankari bahut achha Hoti hai, please information contained helps to people. Thank you Madam.

[@GurleenKaurTikku]

Thank you so much 😊

[@dheerajgoyal9188]

hi ma'am , i have my salary account in icici bank and they offering health shield 360 plan so we should take that plan or not

[@itzbhaskar]

Mam is there any option to increase sum assured in my corporate policy . Can I make it standalone policy by paying extra premium

[@nileshdevghareinsuranceadv6769]

Group insurance me policy nikal neke bad maternity cover ke liye apply kar sakte hai kya

[@jaspaldhunna9634]

I had availed top up of 10 lacs on my company mediclaim policy but there had been lay off in the company. Since I had availed top up , is there any option to keep the mediclaim enforce.

[@kalyanmishra6650]

Very Nice Explanation, You are the best 👍💯

[@GurleenKaurTikku]

Thanks you jee :)

[@sudheenl2917]

My goodness you are a university of health insurance. Awesome mam. I have got to know so many details from you that I can inform my friends and family to check your videos and consult with you for more details. Hats off your knowledge on this subject

[@GurleenKaurTikku]

Sir, you are too kind jee :)

[@arun28nov]

How do continue my company health insurance policy after resignation or before resignation If I personally want to add the rider on the company health insurance?

[@ashishbaheti2574]

Hello ma'am, I have my individual health insurance from last 3 years and now I join tata group. Problem ye hai ki ab tata ne bhi mera health insurance nikala hai aur every month salary me se 530 rs duduct hote hai. To mai soch raha tha jab mera personal individual health insurance hai to fir company ke health insurance ki kya garaj? Mai primium dono ka pay kar raha hu same time please suggest what to do now? Can I cancel my company health insurance? Kya ye sahi rahega ya chalne du continue dono bhi

[@radhananta411]

Hi mam , i already have a corporate health insurance policy , now want to take personal health ins policy , my age 31 years and wife age 27 years which one should i take hdfc ergo optima secure , star health young star , star comprehensive as the premium is high for hdfc then comprehensive then young star .(20k,17k,12k)?

[@ranbirnain6678]

Very Nice Explanation,Thank you Mam.

[@GurleenKaurTikku]

Most welcome 😊

[@adityasawant3186]

how to find and where? waiting period for pre decease in group insurance?

[@SwapnilNawale18]

Can I cance my group health insurace because I've paid its first instalment & person who gave me insurance said that "You filled and agreed to condition that you can't cancel the insurance"

[@ShyamYadav-uv6px]

Great study of insurance,very good video and resolved all my queries

[@GurleenKaurTikku]

Glad to hear that :) Thanks

[@GauravGLulla]

Wonderful and holistic information! Kudos to your efforts and commitment Mam! 👏🏻😇

[@GurleenKaurTikku]

Thanks a lot 😊 Keep Watching ✅

[@sujeetpatel9308]

Hello mam, actually I work with hexaware and there is the GLIP and MEDICLAIM that is offered by the company but however I have lost my mom in the month of December so is there anyway that I can get the benefits of this and how can I claim the hospitalization cost if there's any chance I can avail this ? Please reply back on the same

[@shree12333]

Master policy and child policy kya hoti hai? Sum insured kaise define hota hai ye do no mein

[@runanayak3609]

Is it mandatory to provide medical insurance by any company?

[@dibyenduchatterjee2061]

How do I convert Corporate Health Insurance Plan to Individual Health Insurance Plan? Please reply

[@AshokSharma-qk8jc]

NICE VIDEO. VERY KNOWLEDGEABLE.

[@GurleenKaurTikku]

Thanks jee 😊

[@saurabhkumarsinha9201]

Hello mam, first of all , i want to thank you and i find myself fortunate i found your KZbin channel. It's really helping me a lot. I have a question. I am having a corporate health insurance policy given by my company. 1 months back I bought a individual health insurance policy from HDFC ergo for myself only. I am confused how could I take tax benefit from this under section 80D! Can you please help here !

[@GurleenKaurTikku]

You can take income tax benefit for your individual policy upto Rs.25000 u/s 80 D

[@abhinavtiwari3740]

Thanks for your informational video..

[@GurleenKaurTikku]

Glad it was helpful!

[@zubairpasha007]

Good evening mam Mam i have my corporate policy for 5 Lacs for my family.... Unfortunately 2 months back my son was suffered phneumonia and i had exhausted full amount of 5 lacs om him.... Now i want to purchase one more hemath insurance for my family.... I just wany to know that i should tell the insurance company about my corporate insurance & about my son's past helath history of pneumonia (is it PED) Pls clarify mam.... I'm waiting

[@manishkumarrohilla125]

Nice like it thaku for guide will purchase own policy

[@GurleenKaurTikku]

Right decision 👍

[@user-sk2rn2cy9j]

Thank you madam you have given very good information but I have a question that if we buy a policy from any bank then that policy is to be said as individuals or will it be called corporate, can we get it transferred to individual code.

[@GurleenKaurTikku]

Yes, it can be converted into retail policy of the same insurance company

[@mikecowell2790]

Hi Thanks for the details. But in other videos they are saying we can continue corporate insurance if we left the company, is it possible?

[@GurleenKaurTikku]

Thank you 😊 Answering your query- this can vary & depends on company's Terms & Conditions. We always suggest our clients to have an individual health insurance cover as well.

[@v.syadav1083]

Thanku so much corporeat agent kaise bane

[@ramyadav9599]

Thenk

[@machendra19]

Thanks for information, please suggest more on deductible insurance based on corporate insurance, is it valid after leaving company

[@GurleenKaurTikku]

Corporate insurance is usually valid till the time you are working in a corporate

[@SunilKumar_67]

Hello Mam, thanks for sharing this video and I have a small request. Can you please elaborate the last point about taking extra individual cover that is deductable base of corporate insurance. For Eg: I am covered by Max Bupa insurance at my company without Ayush Cover. Can I get Ayush cover with individual plan?

[@GurleenKaurTikku]

Sunil jee, There are few policies which have deductible options. You can buy base insurance with deductible option, for example, if you have existing corporate cover of 3 lacs, you can buy retail base insurance of 10 lacs with deductible of 3 lacs which means that first 3 lacs claim will be paid from corporate cover. AYUSH coverage depends on the policy features that you are opting for.

[@debasishdas7915]

@@GurleenKaurTikku Mam Request you share the Policies which have deductible options.

[@hajimalangnadaf7084]

Claim dealy kare company to kay kare madam

[@Learn2Share786]

Thanks for explaining in detail. One question: when father is still in his govt.job , can I add him as dependent in my MNC corporate insurance policy?

[@GurleenKaurTikku]

You will have to check with your company's HR if they have provision to add parents in the policy

[@hardikkunkalagunta2173]

Can corporate insurence be claimed for income tax refund

[@shivshankarhanamashette5746]

Take ur father individual plan

[@vrushali1920]

Thanks for amazing information

[@GurleenKaurTikku]

Thank you, keep watching !

[@kaywanmedhora]

We should always buy retail policy ? If any health insurance company is tie up with bank can we port out ?

[@GurleenKaurTikku]

Group health insurance is usually not ported to retail health insurance.

[@nayakmanoj456]

Thank you so much mam ....me abhi join Kiya hu axis Bank me health insurance me but mujhe samjh nahi aa rha tha customer ko kaise samjha Pau kyuki jayada customer mujhe corporate wale multe hai ❤️👏love from uttarakhand ❤️

[@GurleenKaurTikku]

Thank you jee, keep watching & all the best👍

[@myinvest.]

Very good knowlage

[@GurleenKaurTikku]

Thanks a lot !

[@nitishgupta5270]

Ma'am I have a corporate plan but don't have any individual plan. I talked with the insurer that what would happen to my policy if I leave the company. Then they said that you can switch that insurance to your individual plan and start paying the premium by yourself and I can avail all the corporate benefit like no waiting period, pre existing disease cover. I just want to ask you that is it possible or not

[@GurleenKaurTikku]

For any health insurance queries, feel free to connect with us on WhatsApp/Call at 9650706699 Our team can assist you !

[@abhi29011990]

Need suggestion for best deductable policy available in the market

[@GurleenKaurTikku]

Hi , you can contact us on WhatsApp/ Call at 9650706699 or 9810458605 or you can fill up this form & our team can connect with you directly. FORM LINK : hareepatti.com/contact-us/ Thanks

[@prafulpawar5472]

Hii mam i m taking n treament in hopsital vut i have pre disease so can it be civered under corporate helath insurance beacuse i m working in corporate company

[@GurleenKaurTikku]

Please check your corporate cover terms & conditions. We won't be able to help in this.

[@AmitKumar-vm2br]

Hello Ma'am, thanks for the informative video....I have a few queries.... 1)At present, do hiv positive employees get corporate health insurance policy? 2) Before hiv act 2017, did employers issue corporate health insurance policy to hiv positive employees? If yes, under which conditions? Pls reply...

[@GurleenKaurTikku]

Navin jee, Will depend on your corporate cover inclusions as corporate covers are tailor made products and designed by corporate and insurance companies.

[@AmitKumar-vm2br]

@@GurleenKaurTikku Hello Mam, thanks for replying... Was hiv covered in group health insurance ( and group term insurance) policies in 2013-2014 ( before hiv act 2017)? Please reply....

[@mohammadazhar]

Great video

[@GurleenKaurTikku]

Thanks jee

[@IrfanKhan-ff2fs]

Your best👍 mam

[@GurleenKaurTikku]

Thank you so much !

[@sidraynivalaginivalagi5041]

Maine abhi madam se phone PE baat ki aaur unhone mujhe achhi tarah se jankari di .....🥰 Thank you mam....😍

[@GurleenKaurTikku]

Thank you jee 👍

[@rakeshvankar2286]

Madam ji very nice information .mera yah sawal thaki ki agar employee group health policy me fever cold ya normal illness hoti hai to ham medical benefit le sakte hai?

[@GurleenKaurTikku]

Apko group health policy ke benefits check karne honge

[@rakeshvankar2286]

To ham admit hone ke alava bhi normal medical ka benefit le sakte hai agar employee group health insurance mai hai to.and last madamji aapki awaj aur information is 👌

[@tanuroy8276]

Can we convert corporate policy to personal policy after leaving a job? Please answer . I am having icici Lombard policy

[@GurleenKaurTikku]

No, you can't

[@vipulchauhan1989]

Hi mam, Should we purchase policy directly from insurance company or like policybazaar.

[@GurleenKaurTikku]

Can purchase from anywhere, make sure to fill the application form correctly and sincerely

[@pushkarthapliyal6461]

Plz don't buy on-line... Plz go through advisor only

[@ajitkamble1991]

Agar maine company chod di to kitne din Tak insurance policy chali he

[@rohitparab8960]

Mam my father is on dialysis. If i join a company then will it cover the cost of dialysis under group insurance?

[@GurleenKaurTikku]

If they cover PED from day 1, then it should be covered

[@naushadansari4890]

कॉर्पोरेट इंसुरेंस में कितने मेंबर ऐड हो सकते हैं

[@prnraj858]

Maam 'Deductible option' was not very clear. Can you tell us more about this option?

[@nithishkotian4471]

example if ur employer provide u with policy of amount 3 lakh. it's is cosidered as deductible base policy or if u say I can pay 3lakh from my pocket then it is called deductible. u can buy top up policy if u have base policy or ur ready to pay some base amount from ur pocket. premium of top up policy will be lesser and total coverage ll be higher. (base policy +top up policy)

[@divyaalok5538]

Awesome

[@GurleenKaurTikku]

Thank you so much !

[@harshalvyas6845]

Very good and informative video. I am having corporate health insurance of Rs 5 lacs for my family (myself, wife and 2 daughters). I want to take Deductible option on corporate policy After taking this deductible option can I do portability for this deductible options. And which Insurance company will provide me deductible option with portability facility. Hence at the time of retirement or company leaving I will be having option to change insurance company as per my requirements and at that time I can convert deductible option into basic policy. Please advise.

[@GurleenKaurTikku]

Hi, Thank you finding our video informative. For any queries on Health Insurance, please connect with us on WhatsApp/Call at 9650706699 Our team can asssist you !

[@Fsy67]

Mam thank you for information but from where we can get the corporate insurance number

[@GurleenKaurTikku]

Thank you so much, Corporate insurance is provided by the company where you work in.

[@drshwetawakchaure8284]

Thanks

[@GurleenKaurTikku]

Thank you, keep watching !

[@Learnandgrow2907]

Ma'am can we convert our corporate insurance to individual one at the time of leaving job ? Plz let me know

[@GurleenKaurTikku]

No, we would suggest you to buy a new individual policy.

[@Learnandgrow2907]

@@GurleenKaurTikku is it not possible?

[@Learnandgrow2907]

Because if we buy new one. than again we have to go through lock period

[@GurleenKaurTikku]

@@Learnandgrow2907 Please contact us on WhatsApp/Call at 9650706699 😊 Thanks

[@Shubham-fk4is]

can't we continue/port corporate policy after leaving organization?

[@GurleenKaurTikku]

That depends on your Company's term & conditions. It i always suggested to have a separate insurance policy as well apart from Corporate Insurance. If you have any other queries, connect with us on WhatsApp at 9650706699 Thank you

[@Shubham-fk4is]

@@GurleenKaurTikku Thanks

[@naveenvaluepick4849]

Super Mam

[@GurleenKaurTikku]

Thank you so much !

[@RumotivationRohitPandey]

Hello mam my company given me only 2 lakh , mai apne salary mai pay ker sakte hu kya muja 5 lakh want

[@GurleenKaurTikku]

Yes, aap ek seprate retail policy le sakta hain apne liye

[@sudiptokarmakar9880]

Hello Mam! Mera ek query hai. Mera Pappa aur Mammi ki age above 60 hai. Main un dono ke liye ek Health Insurance lena chahata hu jo ki Group Insurance hai (Bank se). Mammi ki koi problem nahi hai, lekin Pappa ka BP related problem hai. To isme kaun sa plan lena thik rahega? Group Insurance/ Retail Insurance? Agar Group Insurance lete hai, to usme claim ki koi problem hoga? 2nd question is that Har kisi company ki Retail Insurance pe BP ke liye 3 years ki waiting period rahega bol rahe hai, or Group Insurance me bhi kya 3 years ki waiting period rahega? Please help kar digiye....

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with all the health insurance queries.

[@sujeetsingh-sz7yo]

Madam Maternity waiting time kya hota h corporate policy me

[@GurleenKaurTikku]

Please check with your company's HR for the same

[@TraveloTushar]

Can we use corporate insurance in notice period?

[@GurleenKaurTikku]

Yes, baaki apko apne HR se poochna padega

[@rajarshichakrabarti]

Can corporate insurance be ported to individual ?

[@GurleenKaurTikku]

No, you have to buy a separate insurance policy.

[@shyamsunderbarik3875]

Mam make on vehicle insurance

[@GurleenKaurTikku]

Sure, will make a video soon :)

[@loveyouzindgi2761]

Job resign karne le baad policy expired ho jati hai??

[@GurleenKaurTikku]

Ji, every company has it's own terms & conditions also.

[@pandurangdesai4795]

Can I convert group insurance policy to individual policy at the time of changing the job / retirement?

[@GurleenKaurTikku]

Yes, you get an option to convert into individual policy with the same company. You can check on the T&C, usually the process has to be done 30 days in advance.

[@pandurangdesai4795]

@@GurleenKaurTikku thanks'

[@nithishkotian4471]

@@GurleenKaurTikku what if employer does not provide u with policy number?

[@nithishkotian4471]

then how to convert it

[@ramipsrivastava5]

Corporate insurance job chodne k baad band ho jata ya 1 year full coverage deta h job chodne k baad.

[@GurleenKaurTikku]

depends on your company's terms & conditions. But we always suggest to have an individual plan as well.

[@aatifraza942]

Hello Mam!! Aap slow bola kijiye mam... Samjhne mein problem hoti hain... Knowledge achi hain.. Good 👍

[@GurleenKaurTikku]

Thank you for the feedback ! Will consider it in the coming videos :)

[@kushalchandel6009]

hi can we cancel corporate health premium policy

[@GurleenKaurTikku]

Please check with your Employer

[@kushalchandel6009]

@@GurleenKaurTikku i checked but no body responding correctly,, they are just saying you company already paid full amt.

[@pramodmishra9718]

क्या जिस का dialysis हो रहा है उसका हेल्थ इंश्योरेंस हो सकता है

[@GurleenKaurTikku]

Nahin jee

[@roy96676]

Minimum salary 20 k ho na chahiye.. this is the problem for me

[@GurleenKaurTikku]

okay

[@Growth__Hub_2805]

May you make this video in English as well

[@GurleenKaurTikku]

Sure jee, let me do that