Health Insurance With or Without DEDUCTIBLE ? 🤔 | With Excel Calculations | Gurleen Kaur Tikku

When buying a health insurance policy, lots of factors need to be considered to get the right coverage within your budget.
One important factor that can reduce your premium amount is the deductible.
Deductibles are the amount paid towards your medical expenses before you can raise a claim.
In this video , we will explain that whether you should buy health insurance with deductible or not ?
WATCH THE VIDEO FOR MORE DETAILS :)
✅ To buy insurance policies, click here - hareepatti.com/contact-us/
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✅ TIME STAMPS :-
0:00 Introduction
0:18 Deductibles Explained
1:34 Deductible or No Deductible
2:04 Deductible Explained With Excel
9:05 Health Insurance Deductible
10:17 Bloopers
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#deductible #healthinsurance #gurleenkaurtikku
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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 18 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.

[@akshaynikam3015]

Nice video, Thanks for your transparant work👍

[@GurleenKaurTikku]

Thank you so much , keep watching !

[@premimw]

Mam , Nicely explained . Can you help explain Aggregate deductible / Cumulative deductible for a family floater plan ?

[@MrSetu12]

यदि कॉर्पोरेट हेल्थ इंसुरेंस है तो dedcutable लेने मै कोई नुकसान नही है, क्योंकि हम बड़ी policy बड़े रिस्क को कवर करने के लिए ले रहे हैं, छोटा मोटा ४- ५ लाख तक का claim तो corporate policy से कवर हो जायेगा, जब तक जॉब है तब तक deductable फायदेमंद है।

[@Kishore.1]

Thanks for the valuable information Do we need to intimate to insurance company for the first claim, if it is being claimed in corporate insurance

[@vandana944]

Very useful information, thank you so much.

[@GurleenKaurTikku]

Thank you so much, keep watching !

[@amitgpatil]

What happen when I have opted for deductable 50k but my first claim amount is 20k only. Will remaining 30k will be adjusted in next claim or my next onwleds claim for the year will be paid by insurance company.

[@cb-jn9fj]

Very good explanation on deductible amount 👏👏👏

[@GurleenKaurTikku]

Glad it was helpful!

[@goodandcoolboy2011]

Thanks Gurleen, however i would like to know if i need to calculate the excel with age and inflation , how much percentage we should consider. I got this question from almost 15 members, so please give your comment with considerations for inflation and age with %age with some approximation/assumption

[@gopgopful]

Excellent video Ma'm.. I think 1 correction is required in the excel illustration.. If 1lac deductable is opted & claim is made in 5th year.. then the insured will save 68,000-1,00,000 = -32000 (not 4000). Kindly clarify. 5:11 Thank u

[@yousufpasha8184]

Maam humne 1lakh deductible liya aur in future me Kya usko hatasakte hain ya nahi, air kisi ko koi disease diagnosed hogi ya claim lega to us time bhi deductible remove options rahega ya phir underwriter decid karenge

[@CNNBROADCAST]

So for deductible, like i have 1lac deductible from optima secure. So do i need to pay 1lac first then meet the insurance guy in the hospital. Or do i go to the insurance desk and apply for it and they will let me know that once the bill is generated, first i will pay one lakh then the insurance company will pay..

[@sushantsharma5823]

Aapki videos dekhta hu bhut acha btate ho aap.. Aapse request hai ki t. P. A services or rules ke bare mei bhi videos banaye... Aapko support krte rahenge.. ❤🙏🙏❤

[@GurleenKaurTikku]

Thank you so much jee, keep watching for more such informative content & DO SUBSCRIBE 😊

[@Alicia.v844]

Very good video mam

[@mits2710]

Thank you! Your videos are very informative and help during a lot of instances. Great going, please continue your good work. Time frame 5:15 - Not sure but don’t you have to show a loss of 32K at the 5th year claim with 50% deductible?

[@hulkdc5499]

Good content! thanks!

[@GurleenKaurTikku]

Glad you liked it, keep watching !

[@geniusr11]

Mam someone told me that if you opt for deductable you can not port to other company or your waiting period will again me counted from 1st of of porting the policy..is it true?

[@neerajrai9567]

Mam agr inflation ke sath every next year premium increase hota gaya tb toh sara scenerio change ho jyega

[@vijaywani]

Very informative video

[@GurleenKaurTikku]

Thank you , keep watching 😊

[@user-fr5bj2uq8k]

is deductible are buy back in niva bupa 2.0

[@Rajsinghvlog77]

very helpful thanks

[@GurleenKaurTikku]

Thank you jee 😊

[@sarveshaswani735]

Very well, and excellent command on knowledge

[@GurleenKaurTikku]

Glad it was helpful! keep watching !

[@IndiaDigitalNomad]

If deductible amount is 1Lakh And my first claim comes out to be only 2000INR So I will pay 2000INR from my pocket, but will I be able to claim 100% from insurance for my 2nd claim if the claim comes out to be 98,000? Or do I need to pay a complete 1Lakh from my pocket for “all Summed up claims” ?

[@nupurkapadia307]

Can we pay deductible amount from other insurance??

[@sanatani9478]

Deductable can it be removed later???

[@souviksaha2812]

Mam please make a Video upon the "What are the Advantages of LIC Aarogy Rakshak Health Plan over the Conventional Health Plan, and What are the Negatives of this Plan as compared to Conventional Health/Mediclaim Plans"

[@GurleenKaurTikku]

sure, Thank you for the video suggestion !

[@vishalgaikwad6079]

Hello Mam, I have query related to Deductible:- I have one health insurance policy of 5 L(individual) and if I wish to buy a super top up policy of 5 L cover which has deductible starting from 50K. Should I buy top up policy to increase the sum insured with how much deductible .also the insurance company policy mentions deductible will be waived of after continuous policy renewal of 5 years.

[@rakesharora3353]

Take super top up of higher value (more than 10L) and deductible less than 2 L

[@gopalakrishna7920]

Good explain medam🎉

[@GurleenKaurTikku]

Thank you 🙂 Keep Watching !

[@Rajankumar-it3zi]

Mam what if every year there is a claim is up to the deductible amount? Then we have to pay the premium amount and the deductable amount both.. I think deductible amount limit should be close to the discount amount which we get in premium of a year. Then only we have benifit. Reply please

[@nidhiverma22]

Your premium amount is not equal to your sum insured amount. Same way your deductible amount can never be equal to discount you get for option a deductible. But yes, it is good to have as low deductible as possible so that you don't have to pay much from your pocket when claims arise.

[@MANOJGUPTA-bu7rh]

Thanks🙏

[@GurleenKaurTikku]

Keep watching !

[@pripri7905]

Thank you mam thank you so much

[@GurleenKaurTikku]

Keep Watching !

[@Satya54979]

Thanks Mam for the excellent information. could you pl tell me whether the deductible option can be revised at the time of every renewal ? Or else, what are the conditions regarding the deductible option?

[@kanakagarwal7320]

It can be revised after 5 years

[@vaibhavtripathi8378]

Hi, great work!! One question: how one can use the corporate policy for deductible amount for the same claim because both insurance company(corporate + personal) will demand original documents (investigation report, xray etc). Could you please clarify it.

[@deepeshgupta3139]

good question, even i was wondering. Also new Mediclaim will be paid only once corporate team clears the deductible amount which in general is not so quick. not sure if any one could advise here

[@b0606089]

Same question.

[@deepkumarvarshney964]

Waiting for answer

[@kunjanmaharaj4367]

Waiting for answer....important one

[@abhijitchandurkar383]

Waiting for answer

[@user-zm7zo6hf9q]

Hello Gurleen, I have a corporate health insurance. I am planning to take Health insurance with deductable. If in case i have to pay the deductable say 30K can i claim that from my corporate health insurance and Rest of the treatment can be claimed using this personal health insurance. please suggest

[@GurleenKaurTikku]

Yes, this is possible

[@ABTalkAB]

Is it possible i am taking with deductable as i have already my company insurance( will pay deductable amount from this) and will change later to without deductable, when i will not be in job ?

[@kanakagarwal7320]

You can change after 5 years

[@abhinavchoudhary3583]

My star health (assure plan) agent was telling that if I take a deductible, then after a claim, I cannot remove the deductible anymore and will have to continue it for lifetime. Is it correct? Also, please let me know if you provide paid consultations.

[@GurleenKaurTikku]

Yes, deductible removal depends on company's underwriting decision and may not be removed if there is some major diagnosis. Please reach out to our team at 9650706699 whatsapp/ call

[@barendrareang8530]

Death benefit hai kya

[@personalviews6950]

At 6:05 total loss in case of 100000 diductable would be 32000 as we saved 68000 but now have to pay 100000.

[@parol3271]

I have already one health insurance plan if I will take a new plan with deductible option of 50,000/- can I pay the 50,000 from my first helath insurance plan or have to pay from my pocket ?? Please clarify Can I pay my deductible amount from another health insurance ?

[@GurleenKaurTikku]

Yes, deductible amount can be paid from other insurance company

[@RajdipPaul]

can the deductible amount be decided at the time of each renewal or is it fixed for life?

[@GurleenKaurTikku]

Yes, can be modified at the time of renewal. It will depend on policy to policy

[@r.t.1934]

​@@GurleenKaurTikkujitna bhi deductable amt hai suppose 1lakh ka amt hai to sirf 1 lakh rs ka dusare company ka insurance le sakate hai kya. Ye scenario me kam premium me pura claim settle ho jayega na. Pls reply🙏

[@ajaybhattacharya6059]

Hi, can you tell me what is the exact meaning of a nominee in a health policy?

[@GurleenKaurTikku]

A nominee is a person nominated by the policyholder for health insurance benefits. If the policyholder loses his/her life during medical treatment, the assured sum will be entitled to the nominee.

[@mukeshpareek9841]

HDFC LIFE SMART PROTACTION PLAN PE VIDEO BANAO PLEASE

[@GurleenKaurTikku]

jee, Thank you for the video suggestion 😊 Keep Watching !

[@kamalmaru332]

10:11

[@Veerkrupaconsultancy]

Madam konsi company sabse achchi hai jo sabhi binario me claim deti hai

[@GurleenKaurTikku]

Hello jee, Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history. Thank you 😊

[@wasimmondal3677]

Bloopers is best😂

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@prabhashkumar9916]

मुझे एक हेल्थ इंश्योरेंस लेना है मेरी उम्र 52 साल की है लेकिन मेरे किडनी में 2006 में स्टंट लगा हुआ है क्या ऐसे में कोई कंपनी मुझे इंश्योरेंस देगी या नहीं वैसे मेरे किडनी में कोई प्रॉब्लम आज तक नहीं है

[@vermaamit85]

Apko insurance to mil jayega but apko apni disease ko ped me declare karna padega

[@AnilPrajapati-fz5ti]

Insurance mil jayega declaration ke baad abhi lelo because after the age of 60 getting new policy is very though and costly

[@user-yf7vs1dd9p]

Contact us

[@ankuragarwal9141]

How to reach out you

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you 😊

[@gopalakrishna7920]

हैलो मैडम , मैं एक सरकारी कर्मचारी हूं. Hdfc में 50000 didectble polocy leliye , क्लेम आने पर सरकार में 50000 की राशि Ehs यदि आप दावा करते हैं तो पैसा आएगा प्लस कहो

[@hemantrawat9271]

very beutifull maaam❤

[@ashwanivermani7790]

LATEST GST CHARGES SHOULD BE CHARGED BY HOSPITALS ON ALL ITEMS & SERVICE'S WILL BE GREAT IF YOU COME UP WITH A FRESH VIDEO.

[@GurleenKaurTikku]

sure, Thank you for the video suggestion !

[@Adarshstudycircle]

Not a good option

[@chakitsingh9697]

Scenario 1 for 1 lac will result in 32000 loss not 4000 as shown later on

[@michiokaku98]

How?