How to Choose the Right Health Insurance | Health Insurance Guide 2022 | Health Insurance in India

Buying the right Health Insurance plan for yourself can be extremely confusing because of numerous options available in the market.
This video will guide you to pick the Right Health Insurance Plan for you & your family.
It’s time to take the smart decision because #HealthInsuranceZarooriHai
Do SUBSCRIBE to our KZbin Channel for more such informative videos .
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For any queries:
👩🏻‍🎤 WhatsApp/Call: 9650706699
💌 Mail us at: [e-mail]
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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.

[@Ajayvijayraniya]

आम लोगो की भलाई के लिए आपका ये वीडियो अनमोल है । धन्यवाद सहित 🙏

[@GurleenKaurTikku]

🙏🙏

[@SANJAYKALAPURAKKAL]

thank you…You describe things better than any video I've ever seen👌

[@GurleenKaurTikku]

Thanks jee :)

[@ramkarale6510]

Sabse aacha health insurance kaun sa hai

[@ushar5265]

Your videos are very very informative... thankyou so much

[@RinuThomas93]

So useful and explained in a nice way. Thanks for this!! Could you do a video on Star Insurance good plans?

[@GurleenKaurTikku]

Thank you so much ! Sure, will be sharing Star Insurance Plans in the future :)

[@NOVERTICALLIMITE]

Thanku so much for everything ❤️❤️❤️❤️ Which is the best insurance company. I have to take insurance plan for my mother & my brother family

[@GurleenKaurTikku]

Himanshu jee, pls get in touch at 9650706699 to understand your requirements.

[@abhijitdas7774]

Thank you so much for your kind information Mam. 💐💐 Can you suggest me which one is more hasselt free icici or hdfc ??

[@baburaoshivangekar5307]

Good information Thank you Madam

[@ashokkumartp1310]

Madam your narration is well appreciated 👍 I an 64 years. I have Care freedom policy 10 lakhs, Care enhance super top up for 30 lakhs & Super supreme super top up policy for 25 lakhs from star health insurance. All are family floaters (2adults) with spouse. All policies are with co-payment. I have PEDs diabetes, BP & Thiroid. Spouse is having Thyroid. I had ported from Reliance to care freedom in 10/2020. Both of us are covered for 10 lakhs in my son's company group insurance. Can you please suggest any policy without co-payment. Thanks & regards T P ASHOK KUMAR

[@GurleenKaurTikku]

For any suggestion regarding Health Insurance , please get in touch with us on Call / WhatsApp at 9650706699. or you can fill up this form with your basic details & our team can connect with you directly. FORM LINK : hareepatti.com/contact-us/ Thanks🙂

[@beaconindia1281]

Thank you so much for the insights, And you look extremely beautiful as always. GOD BLESS YOU

[@GurleenKaurTikku]

Thank you so much!

[@beaconindia1281]

@@GurleenKaurTikku Your welcome beautiful. In case you plan to visit Mumbai, I would love to meet over a cup of coffee :)

[@9yogo]

Mem maxbhup is it good

[@kameshrao3671]

Hello Mam I m looking for a best Health policy for myself can you please suggest which one I can take

[@GurleenKaurTikku]

Kamesh jee, please get in touch with us at 9650706699 or [e-mail]

[@rohman5820]

Useful video for all policy holders!

[@GurleenKaurTikku]

Thank you so much !

[@archanatripathi3007]

Ma'am please batayen ki mai niva bupa ya star health insurance me kaun sa lun mai diabetic patient hun

[@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. Thank you 😊

[@DINESHKUMAR-sx2sq]

Madam star health comprehensive plan aur icici Lombard health shield plan mein se kounsa better hai aur claim settlement kis company ka jayada accha h

[@shaikasif2796]

Madam which insurance is better for senior citizens ?

[@GurleenKaurTikku]

Depends on your requirement and medical history. Please get in touch with us at 9650706699.

[@chauhanshatrughana997]

Hdfc optima restore vs max bupa which one better?

[@GurleenKaurTikku]

Both are good companies. Main difference is Reassure is offering unlimited refill and optima restore is offering one time refill benefit. REPLY

[@Vaibhav_Mohite]

Ma'am which policy is best for my Parents (Senior Citizens). Most of the policies I checked have Co-payment Clause and I don't want that. Please Help 🙏

[@GurleenKaurTikku]

Vaibhav jee, pls get in touch at 9650706699 with our team, they will assist you with policies without co payment.

[@chetansomana1125]

My mom had a ankle surgery in 2017. In 2019 we had taken a 3 member policy from manipalcigna through a bank. Not sure if the bank agent asked or we did not say; we have kept the ankle surgery hidden from the insurance. Fast forward to today, my mom was hospitalized and during doctor question my mom revealed that he had a ankle surgery in 2017. Now the insurance company denied the whole insurance plan stating ankle surgery was not mentioned while applying for insurance. Can they do that? I mean ankle surgery had nothing no further complication like hypertension or diabetes

[@GurleenKaurTikku]

Yes Chetan, they can deny claim /terminate policy on account of non disclosure even if the claim is due to any other reason.As this was material fact here which would have impacted the underwriting decision by the company in the first place. It is always advisable to cross check all details in your policy after purchasing.

[@Harry-hd6uv]

What is your review for care advantage policy which give 25 lac si.. N it has lowest premium then der competitor

[@mukulbelwalmb]

Mam can we add super top up at the time of renew in feature?

[@GurleenKaurTikku]

You can add super top at any time during the year. However, it is recommended to buy closer to base policy date

[@kartikeyshukla2010]

Hello Ma'am. मैंने कल Icici Lombard की हेल्थ सील्ड Purchase की.....तो क्या ये बेहतर है??

[@prasad19Dec]

Very Well done, Gurleen mam :) Was good to hear all the MUST knows! Will share the good work :)

[@GurleenKaurTikku]

Thanks a lot 😊

[@prasantasarkar3837]

Thank you for making all points clear.Already subscribed.

[@GurleenKaurTikku]

Thanks and keep watching 😊

[@Vickysalunke9222]

Reliance health gein plan Bare bata ye na Muze individual lena 5 lakha tak kya he achhi he kya

[@asthaagarwal6756]

Hello mam, I am looking a health policy for my mother age 49 yrs. I heard about SBI health insurance and Star company.Can you please guide me with this?

[@GurleenKaurTikku]

Hello jee, Please get in touch with us on WhatsApp/ Call at 9650706699. or you can fill up this form : hareepatti.com/contact-us/

[@madhusudan1435]

Is care health is gud or not? Pl advice

[@GurleenKaurTikku]

We have made a detailed video on CARE Health Plan. Still if you have any doubts, share your query on WhatsApp/Call at 9650706699. Thanks

[@AnkitYadav-yr8me]

Mam, I want to take health insurance policy for my parents please suggest they are below 55

[@GurleenKaurTikku]

Please get in touch with our team at 9650706699 😊

[@GurleenKaurTikku]

Or Click Here : hareepatti.com/contact-us/

[@azadpal70]

So useful info as always.

[@GurleenKaurTikku]

Thanks :)

[@jitendrabajpai3809]

Cigna ki policy india plan kaisi hai

[@jitendrabajpai3809]

Cigna me 50 lac ki policy me room cap hai kya Aur ICU cap hai kya

[@surendranath3643]

Most knowledgeable ❤

[@GurleenKaurTikku]

Thank you so much , keep watching !

[@parveensharma7970]

Pls make video on Comparison between Optima Secure vs LIC arogya suraksha 906..

[@GurleenKaurTikku]

Parveen jee, both can't be compared as both are plans of different nature. optima secure is an indemnity health insurance plan whereas LIC Arogya is a fixed benefit plan.

[@Vishal-wr6cc]

Really nice video..Thank you mam

[@GurleenKaurTikku]

Thank you :)

[@sudiptamaji1918]

Very informative video, mam.

[@GurleenKaurTikku]

Thanks a lot, keep watching & Do Subscribe for more such informative videos !

[@gudiachotu14]

Mam cashless hone pr bi hospital wale security amount lete h

[@GurleenKaurTikku]

Meenakshi jee, There are few hospitals who are taking advance as per the hospital's policy and the same is refunded at the time of discharge.

[@avengers9015]

Good knowledge for us❤❤

[@GurleenKaurTikku]

Thank you, keep watching !

[@kartikraina3560]

Please make a video on Care advantage 1 crore health insurance

[@GurleenKaurTikku]

Sure, Thanks for the suggestion. Will surely make a video soon :)

[@AbhishekKumar-io4zm]

कौन सा हेल्थ policy लू 3 साल पूरा होने वाला है 15 Dec को रोयल सुंदरम का 3 लाख का था। मैं पत्नी और बेटा। अब चार है 33 साल 30 साल, 3 साल son, 2साल् daughter :-

[@GurleenKaurTikku]

Abhishek jee, you can choose between max bupa reassure and HDFC ergo restore

[@AbhishekKumar-io4zm]

@@GurleenKaurTikku so many thanks

[@OfficialSanwar]

separate maternity cover mil sakta hai kya

[@dipeshchoudhary3649]

Mam my age 28 year Mujhe konsa health insurance karne se achha hoga mam

[@GurleenKaurTikku]

Hi, please connect with us on WhatsApp/Call at 9650706699 . Our team can assist you with a few suitable options according to your requirements.

[@neeleshsuryawanshi7065]

Care health insurance ke video bnayi ye please

[@GurleenKaurTikku]

Sure :)

[@sujitdas7244]

Mam mujhe ek individual policy lena hai Konsa lu my montly income is 25000 plz suggest me🙏

[@hitesharora2034]

Hdfc ergo vs star health vs niva buppa best plan complete comparison video

[@GurleenKaurTikku]

Ok jee, Thanks for the suggestion, will make a video shortly.

[@chandrashekhardabhade1123]

Mam Base policy 5 lacs+ 50 lacs Super top upplan Is it better option?

[@sureshvashisth1817]

Thanks for nice video

[@GurleenKaurTikku]

Thank you too! :)

[@kuldeepsmbj]

pls mam suggest mam mere liye konsi polisy best rahegi for family my age 45 ,wife 42 ,son 19 , daughter 18 under premium 20000 yearly

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699 . Our team can help you in choosing a Suitable Plan that meets your requirements. Thank you

[@sahadebbarman9626]

ma'm me West Bengal se hu Health insurance kor ne se Insurance company ka other states me jo network hospital he treatm kor sak ta hu

[@GurleenKaurTikku]

Please contact us on 9650706699 :) Thanks

[@sumitinvestorsen526]

Sob health insurance PAN India,mane apni India r j kono jaygay treatment korate parben.... company r website e locate hospital e gie state dilei sob network hospital chole asbe

[@Akhilesh.Shukla]

क्या कैशलेश पालिसी होने पर अस्पताल महंगे बिल बनाते हैं ?

[@PraphullataMore]

Very informative 👍

[@GurleenKaurTikku]

Thanks jee :)

[@mahendragawde4884]

My father aged 66 years having health insurance policy of 5 lakh and I am getting corporate health insurance of 3 lakh from my company by paying premium to my company. Should I close existing policy an rely on corporate policy?

[@GurleenKaurTikku]

It is not recommended to rely completely on corporate insurance, especially for your parents, as the corporate insurance is not permanent, and your own personal health insurance is a permanent one. So corporate policy is optional, but retain the individual policy.

[@TRADINGWINDOW.]

Thanks mem 🔥

[@GurleenKaurTikku]

😊

[@kundankumar1389]

Ma'am, please help me with taking my final decision. I'm actually confused b/w HDFC Optima secure( 5 lakhs but it will be 2x from day1 and TATA I'm considering 10 lakhs, premium for both are same 31k) and TATA AIG Medicare. I'm not zero down to one policy. Please help me with that.

[@GurleenKaurTikku]

Kundan jee, Please get in touch with us at 9650706699 or email your contact details at [e-mail]

[@rajeevshukla1147]

Mam please suggest kariye kaun si health company best hai,hdfc,max bupa,icici lombard..pls answer me

[@GurleenKaurTikku]

Rajeev jee, depends on your medical declaration, what coverage are you looking for. You can get in touch with us at 9650706699 / 9810458605 or [e-mail]

[@rajeevshukla1147]

@@GurleenKaurTikku mam maine max bupa ka reassure plan liya hai policy bazar se..max bupa ki service kaisi hai? Aur policy bazar se lena sahi hai ya nhi..thnx for reply

[@shivaansharma1309]

Awesome information 👌👌👌

[@GurleenKaurTikku]

Thanks 😊

[@PraphullataMore]

Very informative

[@GurleenKaurTikku]

Glad it was helpful!

[@nehavishwakarma9483]

Health insurance ke liye bank ya insurance company kon secured h

[@GurleenKaurTikku]

Can't comment on any intermediary like this but can only guarantee on our services that we provide to our clients. Please fill up this short form & our team can connect with you directly. FORM LINK : hareepatti.com/contact-us/ Thank you 😊

[@VSbest18]

Mam, I bought max bula family health insurance. Unfortunately after 9 months a polyp surgery ( in uterous) took place to my wife but max bula denied reimbursement said there is 24 months waiting period. I had notified them via email as well as on call with ticket nos prior hospitalization where they could have informed me that it won't be covered. I need your advise what should I do ?

[@GurleenKaurTikku]

Sir, These exclusions are called specified exclusions which are not covered for 24 months and are applicable to all insurance policies. The same is mentioned in your policy copy also.

[@akankshubhardwaj593]

Hello Mam... I want to take health insurance need your suggestions.

[@GurleenKaurTikku]

@@akankshubhardwaj593 pls call at 9650706699

[@shaliniyadav7260]

M 3 person ki family healthy insurance krwana h to kon si police le ?

[@GurleenKaurTikku]

Please share your query in this form : hareepatti.com/contact-us/ Our team can connect with you directly Thanks

[@SwapnilPatil-pr7qe]

Hi Gurleen - Reasonable and Customary Charges Kya hai ? .. - Because of this clause I am not willing to take the Max Bhupa Reassure policy . Please enlighten ?

[@GurleenKaurTikku]

Reasonable and customary charges - A reasonable and customary fee is the amount of money that a particular health insurance company determines is the normal or acceptable range of payment for a specific health-related service or medical procedure. This is applicable for all companies.

[@Vickysagittarius]

Health insurance lene se pehle medical test karwana kaha se hai woh test health insurance company apni team bula ke karwaegi ? - health insurance ke medical test kaun kaun se karwane hai woh kaha se chalega pata ? - medical test karwane ke baad woh document hume upload karna hoga test ka ? - medical test ke paise reimbusement hote hai ?

[@GurleenKaurTikku]

It depends on the medical history and the plan you choose. If company is arranging tests by their panel doctors, then they will pay - if policy is rejected, they claim it from your premium.

[@anwarhusenmaniyar4466]

Thanku mam

[@GurleenKaurTikku]

👍

[@RajenderAnchara]

I want health policy but mam many of people told me claim ni karti h company so i fear ki company claim karege ya ni please suggest me best company

[@GurleenKaurTikku]

Claim milega , just buy a policy that meets your requirements & be 100& honest with your medical history. For buying health insurance, you can connect with us on WhatsApp/Call at 9650706699. Our team can assist you in choosing a suitable plan. Thank you

[@gauravshah1938]

Mem max bupa ke Facebook page pe total negative review hi kyo hai Is it max bupa bad ? All said they never aprove cashless too

[@GurleenKaurTikku]

Sir, as per our experience, In general, genuine claims are settled in cashless without any hassles. Can't comment on specific claim as it may differ from case to case.

[@Travellern]

Gaurav जी, सर मेरे पास मैक्स बूपा का हेल्थ कंपेनियन 2 का पालिसी है। लेकिन फेसबुक पेज पर इतने दुखी लोगों के कमेंट देख कर मैं maxbupa से हतोत्साहित हो गया हूँ। केअर या स्टार या सिग्ना मणिपाल देख रहा हूँ। जब कि मेरा 3 साल प्रीमियम जमा हो गया है।

[@ratandeeppatil7235]

How to renew policy.

[@GurleenKaurTikku]

Can be renewed online. Which insurance company, I can share the link here

[@abhijeetbhosale3309]

Star health best policy in india

[@TheUtshaho]

Madam, Mei 10Lakh Niva Reassure family floter + 90 Lakh Health recharge( niva super topup) eksath liya sep 2021 mei , Mei 31 & wife 30 age, ab mere sare friends 20lakh ke hdfc restore liya hai, mere question ye hai ki ,1) renewal time kia hdfc restore mei port sahi rehega,? 2) 10 lakh ko kia 20lakh kadlena chahiye next time 3) hdfc mei super topup only 20lakh tak hi hai to hdfc mei jaunga to niva topup kia kadna hai, continue or hdfc topup lena hai....Mei aapke video baad mei dekha policy leneke baad, aur maine policy direct max site se liya tha,, plz suggest good option..thanks in advance

[@GurleenKaurTikku]

Subrata jee, I feel you should continue holding Niva Bupa policy

[@edgarvincent5486]

While doing the portability is moratorium period will be afresh?

[@GurleenKaurTikku]

Yes, Moratorium period will start afresh

[@edgarvincent5486]

@@GurleenKaurTikku Thank you Madam

[@MOHITLALA2001]

is accidental injuries coved in Health insurance, also if it cover in HDFC ergo optima secure new plan?

[@GurleenKaurTikku]

Yes, any hospitalisation arising out of accidental injuries is covered in all health insurance policies.

[@MOHITLALA2001]

@@GurleenKaurTikku thank you for response

[@jaydevi508]

Kya hum I v f kara sakte hai

[@GurleenKaurTikku]

Cost of IVF treatment is not covered in any if the health insurance plans

[@magarsada6372]

OPD facility available Vali Health Insurance policy batao mam please

[@GurleenKaurTikku]

You can Choose ICICI Lombard with Befit rider - Details here kzbin.info/www/bejne/qX-mmn2BjJeEf5Y

[@magarsada6372]

Reliance general Health Insurance ke bare mein video banao mam please

[@GurleenKaurTikku]

@@magarsada6372 Sure, will make a video soon. :)

[@AmanSharma-rb7oj]

why don't you make a video on top 5 health insurance company according to you with their benefits

[@GurleenKaurTikku]

Sure, will do the same shortly.

[@AmanSharma-rb7oj]

@@GurleenKaurTikku waiting for the video i hope you will upload soon

[@girishnarang2658]

good👍

[@GurleenKaurTikku]

Thanks :)

[@amartiwary5373]

This video is for those people who already have most of the idea about insurance.... There are many slangs used in the video

[@navrangpaints6936]

i have purchased max bupa reassure health policy for sum assured 1000000 , should i also go for super top up for 900000 , i am 47 years old

[@GurleenKaurTikku]

Yes, you should.

[@kishansharma6115]

Mam please tell me term insurance ke liye 10 th pass needed h kya my father is un educated please tell me mam sab he bevakoof bna rhe 😭😭🙄

[@GurleenKaurTikku]

Some insurance companies have this condition where they consider minimum 10th pass.

[@amazingshortvideos2412]

👍👍

[@GurleenKaurTikku]

Thank you !

[@animeshsarkar2338]

Maxbupa(nivabupa) is no doubt worst company.

[@DeepakYadav-is6fy]

U r very beautiful ..

[@amartiwary5373]

Not helpful

[@amartiwary5373]

@@gghfgt6104 I understand you didn't make this video for 1st timers... But sometimes you have repeat certains terms n things in a training or explanatory videos cause any type of viewer can land on your video.. I just watched a video n sharing it's link. It will be helpful for you to learn how to explain things to ppl in detail kzbin.info/www/bejne/omSklJZpeZ2CfpY

[@kalpanalad2149]

Policy pay three year between pay late gape one to two month late policy birth date missing filling date please gyaid line policy cont or potably other policy cont

[@kalpanalad2149]

Help me

[@healthinsuranceadvisor4934]

Tikku mam thank you for health insurance important message share you

[@GurleenKaurTikku]

Thank you for watching !!

[@karuneshkvaiswar612]

🎉🎉🎉

[@karuneshkvaiswar612]

🎉🎉🎉🎉

[@RinuThomas93]

So useful and explained in a nice way. Thanks for this!! Could you do a video on Star Insurance good plans?

[@GurleenKaurTikku]

Thanks :) Sure, will do.