BEST Health Insurance in India in 2025 | Top 6 Health Insurance Plans in 2025 | Gurleen Kaur Tikku

[@ravikanth5311]

Hidden truths revealed. TQ madam for realising us 🎉😊

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@SC22334]

Hi Gurleen ma’m, excellent and extremely informative competitive analysis. Thanks a lot! I have a suggestion to include service standards as a metric for evaluation if that can be obtained from a non-partisan or govt agency like IRDA. This comes from a sordid experience I recently had with one of the top tier health insurance company where there was a blatant violation of fundamental customer guarantees. Thanks to IRDA regulated escalation process, the Ombudsman office did eventually resolve my plaint satisfactorily, but has made me more diligent while selecting health insurance plans rather than falling for their sales pitch.

[@GurleenKaurTikku]

Thank you so much for the feedback !

[@shreyansbarthwal541]

Nice Video .... A suggestion, based on the parameters that u have compared, if u can mention in a table of all benifits which is not covered and are also not offered with the rider in each policy .... secondly in order to make policies as closely equal to each other, if we add the riders, how much will the cost increase ..... without them also, video was very helpful 👌

[@GurleenKaurTikku]

Thank you so much for the feedback !

[@AnmolPandita]

Hello Gurleen! Very nice video. You've explained complex jargons very simply with a comparison as well. A few observations & questions - 1.Niva Bupa Aspire has a negligible maternity cover - should have been mentioned 2. Waiting period can't be greater than 3 years. How is Niva Bupa still having 4 years waiting period? 3. Under OPD cover if someone goes to their family doc or closest diagnostic centre, will those expenses not be reimbursed? 4. Same question for annual health check up - covered only from network? Sorry, this became a long text but it would be so great if you could share your views on these. I'm sure it'll help many of your viewers as well.

[@GurleenKaurTikku]

Thanks for sharing your queries, answering below 1. Yes, coverage is up to Rs.25000 which will be carried forward to 10x if not utilised 2. Waiting period for maternity Miracle benefit is 48 months in Gold + variant and PED is 36 months 3. The expenses will be reimbursed with a Copayment in this case and maximum benefit limit is fixed 4. Annual health checkup can be availed on cashless only and can be booked through Niva Bupa health app

[@AnmolPandita]

@GurleenKaurTikku Wow! You actually did reply - and that too point by point. Amazing! Thanks! Just 1 query now - Pt 2 - Hasn't irdai asked insurance companies to not have waiting period for over 36 months. How are they mentioning 48 months?

[@themrambusher]

Best channel to watch insurance related videos❤

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@kapildhingra8560]

Mam , ek video individual health plan par banao, age 35 to 40, compare only these 3 company only. Care health vs aditya birla vs niva bupa .. sum insured 5 or 7 ..

[@TechTalk654]

Thankyu mam sharing valuable information

[@nagarajubandi3131]

Thank you so much🙏 madam. If possible try to discuss about mistakes in health insurance companies mistakes

[@akashmalaviya4435]

Thanks

[@GurleenKaurTikku]

keep watching for more such informative content.

[@meenuchandranmeenuchandran9618]

Madam, in ICICI "The Reset Benefit will not be available for an Illness /Injury or related complications including but not limited to any relapse within 45 days in respect of which a claim has been paid in that Policy Year for the same Insured Person "

[@ask4divine]

Plz. make a detailed Video on SBI Arogya " Advance " Health Plan (Family Floater) with its advantages & disadvantages.

[@GaurangaTravels]

Aapne Reliance ko add kyo nahi kiya list me ?

[@pranay1974]

Nice Presentation 👍

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@debabrataroy9]

Madam please make a full detailed video about Health Insurance Portability.

[@ArifullaKhan-uy9qv]

Hello Mam, Many health insurance providers are not offering services to physically challenged individuals. Could you please help me identify providers who do and suggest the best plans available for them? Thank you for your assistance.

[@ankitshrivastava9622]

I want to know about untimate care plan....mainly about 1. if it has any sub limits. 2. Infinity rider i want to know if i discontinue it after 2 years then will the benefit remains the same and i will get additional infinity benefit for 2 years or not.

[@aakashgarg9363]

When IRDA has made the waiting period for PED maximum up to 3 years, then why is Niva Bupa Aspire Gold+ Plan still 4 years? Can you explain

[@santanuchakrabarty]

Best video in internet so far..... Best : HDFC NIVA

[@GurleenKaurTikku]

Thank you so much , keep watching & don't forget to subscribe to our KZbin Channel :)

[@jaymishra1781]

What about Tata Medicare Premier, may I know why you didn't cover that?

[@akisi1401]

Because she is a paid spokes person

[@rameshgupta7311]

Madam aapne kis company ka health insurance plan liya hua hai online yaa offline

[@sajalsaha35]

Mam, ek individual health plan video baniye, best top 6 company ko leke, age limit 60+ years

[@shashisharma1958]

Suggest 1 best policy for 39 yrs male

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.

[@thepartimerambler985]

DID YOU MEAN FOR 2025??? I just started looking for it today... Couldnt see you video for 2025.. and you uploaded it just today... Kya coincidence hai.. 😂

[@GurleenKaurTikku]

jee :)

[@binaygupta7582]

sAt Shree Akal TiKKu Ma'am Ji 🙏 Jewellery Shop Ki Insurance Policy, Company Ki Jankar Share Kare Please 🙂

[@Karishnadiwaniriya]

Thank you dear

[@GurleenKaurTikku]

Welcome 😊

[@priyankasingh759]

Hi can you suggest a health care plan for SLE patients

[@HdfcergoSales]

Do you mean Lupus(SLE). ?? It's subject to underwriter in hdfcergo optima secure plan.

[@priyankasingh759]

@HdfcergoSales so kindly advise process to take it forward

[@CRAJASEKHAR-c3t]

Hii mam My age is 34 i got diabetic age 31 which is best base 10lakh diabetes cover after 30days above all which is better😢

[@maheshzulup]

Madam comparison sheet pdf or excel me de sakte hai kya

[@GurleenKaurTikku]

Hello jee, you can take screenshots of the tables for better understanding.

[@harshitverma4480]

You should create long videos explaining the policy wording document line by line on the screen for each health insurance policy. Videos length may increase but believe me we're gonna watch the entire video before buying any policy. This will be good for you channel as well as for customers

[@GurleenKaurTikku]

Jee, Thanks for the suggestion

[@sharad_yadav23]

I think icici lombard is good ?

[@freemusicncm1785]

Mam I want to take icici elevate for self. I live in west bengal (zone C), but I want to take treatment from Kolkata hospitals ( zone B), which should I apply zone B or Zone C.

[@GurleenKaurTikku]

You can apply for policy as per your zone and can take treatment anywhere in India You should have valid address proof of your zone

[@harshjaiswal7438]

aspire is better than reassure2.0 ??

[@GurleenKaurTikku]

Aspire is the latest offering . Also, we have comparison video available . Please check this link : kzbin.info/www/bejne/kJvNeqebfa16p6ssi=IRmzMYLl1RcJLbWT

[@harshjaiswal7438]

@@GurleenKaurTikku Thanks , I feel reassure 2.0 is better even if there is maternity benefits in Aspire but it's amount is too less

[@gurdeepsinghpahuja4099]

Let me tell you, there is a cap on robotics surgeries in 2.0, i.e. Maximum 1 Lakh, no matter how much your cover is​@@harshjaiswal7438

[@pritamshah6699]

​@@harshjaiswal7438 robotic surgeries ke liye capping hai 1 lakh maximum in reassure 2.0

[@Arun-l1r7x]

Madam pls suggest a Health Insurance plan that cover Chronic hepatitis B

[@Tahrincreator]

Mam mujhe chronic pencratities hai.. mujhe helth milega kya

[@sugatamukherjee4000]

Madam why you have not added ultimatum care plan

[@GurleenKaurTikku]

We will bring up a video soon :)

[@ankitshrivastava9622]

Waiting for it​@@GurleenKaurTikku

[@rajanrajsingh4715]

❤❤THE NEW INDIA ASSURANCE CO. LTD. ❤❤

[@rohitkumar-nw4lb]

I took hdfc optima secure in 2021 is there any difference in hdfc optima secure plan in 2021 and now 2025

[@GurleenKaurTikku]

It is same policy after your renewal. JUst that few new riders are available in Optima secure which were not there initially

[@mrinmay3793]

কোনটা সবথেকে ভালো হবে? Star এর superstar নাকি Aspire, আমার বয়স 32, আমার মিসেস এর বয়স 28।

[@Chacha_chaudhry_007]

जिसको भी लेना है थोड़ा ज्यादा पैसा दो पर hdfc या icici ही लेना, बाकी सब फर्जी है, रुला देंगे आपको

[@jasvindermeghra]

Hlo Mam I'm State government employee should I go for Health Insurance ???

[@MrShaik31]

Mam why are you not saying anything about Tata AIG health insurance

[@GurleenKaurTikku]

These plans are based on the most enquiries we get from our clients & audiences. You can definitely choose Tata AIG Plan if it meets your requirements.

[@SavithaPrasadPS]

Grievance of NIVA BUPA selling the product health companion variant 2022 without giving any discount on premium for enabling the addon of 5 L annual aggregate deductible. Interestingly premium discount was given before year 2022 and after year 2022.Fraud attempt to cover up the Fraud act of extra premium charged!

[@mayursolanki6127]

What about acko health insurance?

[@TheDpnkr]

What about Stra Health?

[@GurleenKaurTikku]

We have many comparison videos available on our channel. Also, this comparison is based on the queries we get the most from the audience as well as the clients.

[@nikhilpurohit816]

Please make on video on how to get claim if claim reject by insurer with multiple reason. You always make videos where you compare different polices but I think now days more important is how to get claim all policies are similar 70% criteria so features are good , but people facing issues with claim rejection social media facebook, linkedin , insta are full complaints. So I request make video on claim rejection and meaning of various claim rejection reason and please also guide how to file complaint on claim rejection because IRDAI bima bharosa portal , grievances email , GRO cell these all not beneficial. Please aware people to file ombudsman and their hearing process , this will help people to fight.

[@GurleenKaurTikku]

There are videos available on this topic as well kzbin.info/www/bejne/fZnGi2ePiMmirMU Also, you can search claim in our channel's playlist, you will find other claim awareness videos

[@nikhilpurohit816]

@@GurleenKaurTikku Thank You

[@bimaldas4663]

Medamji star health ka icr keya ha please bataiye 🙏 E company keyasa ha???

[@GaurangaTravels]

Star sabse bekar hai

[@rameshgupta7311]

Elite class ke liye hdfc Middle class ke liye icici Am i right??

[@anjaysoni4997]

Madam please aditya birla activ 1 maternity is policy ke baare me Bataiye.... Kya maternity benefits covered hai is policy me?

[@GurleenKaurTikku]

Jee, jaldi hi video lekar aayenge

[@SameerShah-jh9yc]

Plus kisi kisi company ka toll-free number kewal Bima selling ke liye hota hai unka sara claim ka prosess online rahta hai

[@geetaskitchen9142]

Is epilepsy is covered in any policy ?

[@HdfcergoSales]

Yes in Hdfcergo optima secure plan

[@GurleenKaurTikku]

yes, covered in HDFC secure and Aditya birla activ one, Niva Bupa issues with permanent exclusion

[@skt32551148]

Ma'am en saab plan ka exclusion and specific exclusion ka v comparison kardejiya!!!

[@GurleenKaurTikku]

Jee, share kiya hai . Please check at 20 minutes

[@pankajvidyarthi]

Mam, never consider Niva Bupa policy. These are good on papers. They does intensive third party verification and harass for small small things in between multiple times. They reject genuine claims

[@SameerShah-jh9yc]

Care health insurance company ka koi telephone number hai jaha customers baat kar sake? Mere pass care health insurance company ka policy hai lekin abhi tak meri baat customer care representative se nahi ho saki jiske chalte maine claim nahi liya is policy ko continue rakhkhu ya kisi dusri company me port kar du..

[@GurleenKaurTikku]

As per their website, following numbers were found Sales: phone [phone] Services: whatApp 8860402452

[@siliguricricketlovers5319]

Mera wife ko add kar skte hu elevate plan may?

[@GurleenKaurTikku]

Jee, kar sakte hain

[@siliguricricketlovers5319]

@GurleenKaurTikku ok mm🙏

[@naiyer3782]

HDFC Ergo me room capping h please check ma'am.....

[@kbinoj9238]

Star health ke bhi ek comparison video banayiye

[@GurleenKaurTikku]

We have many comparison videos on Star Health Insurance :)

[@deepakkaushik3975]

Mam is manipal Cigna policy is best or no ?

[@GurleenKaurTikku]

It's is our top 6 but this can totally vary depending on your requirements & medical history. Please do your own due diligence before choosing a plan :)

[@inmemoryofcoco-sj2275]

Care health insurance is worst please dont fall for cheap premium. When your in hospital care health customer care will play with your life and finance

[@subhashvashisht8457]

I want port policy

[@sisirsahu9714]

Niva Bupa Health Insurance company is not following irdai circular in Aspire plan

[@amarjeetsingh-hh3mc]

How explain

[@kamleshnagrani3126]

70 years icici lombard is not giving policy

[@GurleenKaurTikku]

Which policy?

[@kantishah8645]

Age 51 to 65 premium low sum assurance 5 lac singal person premium between 13 to 15 thusand ka videos dikhao insurance company o ne inflesation Ke name pe sabko 3 lac or 4 lac ki policy change karke 5 or 7lac me new premium ki policy de Rahe hay old policy acahank band karke 20 to 25 thusand ki policy pakdarahe hay

[@hemantporwal-f3t]

All insurance are available

[@MC-xs6pc]

Pls review Care Ultimate Care plan

[@GurleenKaurTikku]

Sure, we will bring up a video soon :)

[@ScienceVenture.]

Bajaj Allianz company kyu nhi liya ? Bajaj ka my health care plan bahut achha.

[@gouravverma1902]

Hello ma'am Ma'am apse ek request hai kripya aap ek term insurance plan jo capf, paramilitary soldiers ki duty ke according sahi ho uska video bna dena please

[@GurleenKaurTikku]

jee, noted :) We will try to bring up a video soon.

[@SameerShah-jh9yc]

Jis ghar me padhe likhe insan na ho wo koi bhi insurance (Bima)nahi le.kiwke Bima company aur koi koi agent itne matalabi hote hai unko aapke claim se koi lena dena nahi rahta hai

[@SameerShah-jh9yc]

Care health insurance company ka toll free number hai jaha par kewal policy sell ki jati hai

[@GurleenKaurTikku]

As per their website, following numbers were found Sales: phone [phone] Services: whatApp 8860402452

[@warriorzone8646]

dont go for niva bupa i have very bad experience they not settled your total claim with impaneled hospitals always approved partially claim

[@rkmindia5386]

Ped heart condition of 64 year male can be insured

[@GurleenKaurTikku]

Jee, policy is possible. Depends on the heart condition

[@rkmindia5386]

@GurleenKaurTikku Bypass in 2003 Angioplasty in 2016,2019,2023 & mitraclip in 2024 Ef is 40% as per latest echo

[@amarjeetsingh-hh3mc]

CARE INSURANCE COMPANY HAS A HIGHER NUMBER OF COMPLAINTS

[@Ocean-w8]

Care Health Insurance has a very poor customer experience. Once you purchase a policy, their website lacks a direct option to contact customer support. It’s best to avoid them.

[@karthiknadar8380]

Icici lombard has customer care contact but they are useless 😂 ....better not to contact them

[@hassoniqbal3474]

Star Assured health insurance kaisa hai 10 k

[@Aristotleian]

Waiting your video on Saif Ali khan matter @ niva bupa

[@DIXONPAIVA]

Hi, Please do a video for which plans are best for NRE's?

[@GurleenKaurTikku]

Sure, we will bring up a video soon. Keep watching !

[@abhisheksolanki5283]

Niva aur care mai accha competition hai claim na dene ka

[@harshitverma4480]

what do you mean?, I'm planning to take Niva Bupa Aspire

[@akashjain4760]

Also manipal and Aditya Birla alongwith icici

[@Harishkumar-ky3ld]

Sabi ek jse hogyi hai pta ni kyu claim reject krti hai

[@abhisheksolanki5283]

@@harshitverma4480 don't even think about it

[@harshitverma4480]

@@abhisheksolanki5283 What happened to you, can you enlighten all of us?

[@bhaveshjain1304]

Accha kaam kar rahe ho Sirf consumers ke liye hi nahi Agents ke liye bhi Thank you 🙏

[@GurleenKaurTikku]

Thank you jee :) Do subscribe for more such informative content !

[@kbinoj9238]

In 6 me Star health insurance kyun nahi hai

[@GurleenKaurTikku]

These plans are based on the most enquiries we get from our clients & audiences. You can definitely choose Star Health Insurance Plan if it meets your requirements.

[@dameshkakadia545]

benji...aap bol ne ki speed Jara cum karo..to Pura sun paye log

[@GurleenKaurTikku]

Aap speed ko 0.5x karke suniye

[@MOTIVATIONALRAJ12]

Care supreme plan kesa he

[@GurleenKaurTikku]

We have shared all the details of the plan as well as the ICR. If the plan meets your requirements then you can choose it :) Please do your own due diligence & for any assistance feel free to connect with our team on WhatsApp/Call at 9650706699.

[@stylishtamizhan1220]

What about solvency ratio

[@GurleenKaurTikku]

You can check the IRDAI's Annual Report or check this video : kzbin.info/www/bejne/aGXaaIGhgpt-aKcsi=ckQsIUpH0vxbqsz5

[@sunilbehera3824]

My corporate 3 lakh hai Deductable loo ya super topup Or konsi company ki looo

[@HdfcergoSales]

Hdfcergo optima secure with aggregate deductible

[@SavithaPrasadPS]

Please avoid purchasing policy from NIVA BUPA. Issue is not only with their customer service. The grievance team is also a fraud team. NIVA BUPA GRO and grievance team is managed by a lady who goofs up her resolution provided. To cover up her fraud act the rest of the team members under her just copy paste her fraud solution for case closure!

[@101_vikramshukla6]

I am getting bad reviews about niva bupa, in different places . In hospitals, LinkedIn even there insta page is having fake comments.

[@GurleenKaurTikku]

Hello jee, then you can choose a different company's plan. If you want any assistance in choosing a suitable plan, connect with us on WhatsApp/Call at 9650706699.

[@DeepikaManuwal]

I have a good experience of Niva bupa