Reassure 2.0 niva bupa

#reassure2.0 #nivabupa
This video discusses in detail about niva Reassure 2.0 niva bupa. This policy has introduced some of the industry first health insurance coverage. But are these coverage really offer what they claim. Lets watch in detail.
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You Tube - / yourmoneyin. .
Time stamps
00:27 Lock the clock explained
02:12 Reassure Forever explained
04:39 Booster+ Explained
05:07 General terms
08:23 Waiting periods in policy
09:29 Optional cover
11:25 Vague/unexplained terms
13:52 Overall analysis of policy
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[@61basat]

Amazingly read between the lines. These things are missed out due to heavy marketing by the company.

[@nazeembasha16]

Good Analysis, after 5th video on this insurance, I got these questions asked by you Thank you

[@vivekbhise1218]

very good elaboration into details of product! I have watched so many channels and personals for years you giving best insights compared to them... in terms of twists and confusions company make into its wordings, keep up good work!

[@gameofinsurance]

Thanks buddy. It is difcult to be neutral and honest on social media. Just trying to be one authentic person in health insurance segment.

[@vivekbhise1218]

@@gameofinsurance true

[@gauravshukla2721]

Very detailed and genuine explanation..honest review..keep on doing

[@gameofinsurance]

Thanks buddy

[@gauravshukla2721]

@@gameofinsurance Which Family Floater Health insurance plan from a horizon of next 25 years you would suggest? Stable company Ease of claim processing Long lasting Product plan

[@gameofinsurance]

@@gauravshukla2721 I have no specific preference. No health insurance policy can survive such long period. However you will get options from same insurance company to shift to another policy when product is withdrawn. My point is policies which offer reasonable and practical cover needs to be trusted more. New India Oriental HDFC Lombard Star Offer good products. I try to explain the policy as honestly and clearly as possible. That should not be taken as recommendation or advice. Make informed decison.

[@ranjancom2000]

Yes I am also not clear on "Room Type Modification" and "Co-payment"

[@varunn5316]

One of the best and elaborated policy explanation . Thanks a lot 🙏

[@gameofinsurance]

Thanks buddy

[@Aanand_mt]

Bhai bahut acche se samjhya with examples. Great work👍

[@gameofinsurance]

Thanks bro

[@slkalra5362]

I as insurance advisor for the last 18 months sold 28 policies and 4 clients recd claim without any difficulty Hence I am very much satify. Thanks

[@gameofinsurance]

Good to know.

[@ranjancom2000]

Pls read the policy and explain "Expenses in reaching a Hospital" Where is registered ambulance and "Room Type Modification" when there is no Cap in room rent why they have this option .

[@gameofinsurance]

They have not clarified this in policy. One who is buying this policy need to ask Care about that

[@ranjancom2000]

Reg the "Home Care / Domiciliary Treatment" What if I need "Nurse to take care at home will the expenses cover on Domiciliary Treatment" On daily bases I need to take care by putting some IV and injection on time, before and after food for this I need Nurse to take care. Will the hospital provide support on sending the person to our home on daily bases, or will I need to spend from my pocket for that expense to get hired by a third party service and get the claim refunded . Pls describe in more detail on this part.

[@gameofinsurance]

No this is not covered under domicilary hospitalisation.

[@aroopbanerjee13]

Great information

[@ranjancom2000]

Well all key points covered, How well they did the marketing. Having multiple meaning for Sigle word. So after 10 Years of 10L sum Insured I will have option to claim only 10 Lakhs. If my claim is 1Cr so I need to pay 90L from my pocket.

[@gameofinsurance]

This is how insurance companies twist the actual coverage

[@rohithbk3063]

Please mention the age slabs when premiums get changed for different insurance?

[@gameofinsurance]

Bro the policy itself not sharing the age slabs and premium rates. That’s a big issue with these policies.

[@Anione111]

@@gameofinsurance The most important information like premium amount, age slabs, premium slabs, is kept secret. Poor customers are made fools who blindly have to choose, without full knowledge or transparency.

[@shraddhathakor6335]

Thank you sir very nice explanation

[@manikanthvivek6520]

Reassure forever in 2.0 is the same as in Reassure as even it also has unlimited restore option in a single year.

[@pankajsrivastava972]

Thank you sir.. nicely explained

[@DevendraSingh-uu8cj]

very honest explanation.

[@Anione111]

14:40 There is nothing like Safeguard/Safeguard+ sum insured.

[@nehaojha4869]

Nicely explaned sir

[@chiraggupta7407]

Please also make a comparison of Bajaj Allianz Health Plans, KZbin contains very less information for Bajaj Allianz, don't know why?

[@gameofinsurance]

Sure bro

[@PCc186]

Honest Review

[@Anione111]

4:51 Can the whole accumulated SI, ie, Base SI plus accumulated SI from Booster+, be utilized for single claim during policy year?

[@Anione111]

Is Booster+ same as no claim bonus? What happens to Booster+ if there is a claim in any policy year? Is there claw back in this if there is a claim in any policy year?

[@abhisheksinghal2586]

Sir how's manipal cigna lifetime plan? Kindly guide

[@ashutoshsingh8689]

Very informative vlog sir. Plz guide whether cancer is covered?????

[@gameofinsurance]

If cancer is pre existing then not covered

[@ranjancom2000]

Why they added co-payment clause is it to reduce the premium

[@gameofinsurance]

Yes. As an optional cover.

[@manojmutha8091]

Aap ke hisab se ye policy better hai ya koi aur

[@ranjancom2000]

If there any hospitalization happen and it was under critical diseases and After First claim on Next year renewal will that person need serve waiting period of 2 to 3 Years

[@gameofinsurance]

Illness/diseases listed under specific diseases only have waiting period.

[@pranjalmaurya1698]

Bhai Niva Bupa Reassure 2.0 Me Family Pensioners (Age Less Than 60 )Personal Accidental cover (Rider) Le sakte hy ! Ky claim ane pr Family Pensioners ko Personal Accident Ka claim milega ! Kui ki Normal Pensioners (Above 60) ko Personal Accidental Insurance Nahi Milta Hy ! Please Reply !🙏

[@Anione111]

14:50. Could you please clarify this more. We know about NCB, no claim bonus, right. In those cases the NCB is added to SI and new enhanced amount can be claimed in future renewal year if hospitalized as a single claim, right? So, in case of NB ReAssure, there is nothing which works same as NCB?

[@gameofinsurance]

For a single claim maximum payable amount is your base sum insured. The sum insured you chose while you first time bought this policy.

[@Anione111]

@@gameofinsurance ...maximum payable amount is base SI plus any carried forward SI from Booster+, right? You are saying it is only the base SI. How can that be correct. Then NCB or similar benefits make no sense.

[@tauseefwaquar851]

@@gameofinsurance Sir, that's not true. In the policy document it's clearly mentioned that expenses covered during hospitalization is upto sum insured ie. base sum insured+ booster sum insured.

[@tauseefwaquar851]

@@Anione111 You are right. In the policy document it's clearly mentioned that expenses covered during hospitalization is upto sum insured ie. base sum insured+ booster sum insured.

[@bbysoni6558]

Sir is policy k sath tram plan bhi add ho skta

[@shivamkhurana9636]

On modern treatment limit is 1lac per claim, could you throw light on immunotherapy or oral chemotherapy / monoclonal antibody, will limit of 1lac be applicable for this modern treatment.

[@gameofinsurance]

Yes definitely.

[@jatingupta4058]

Very good and clear explanation s

[@gameofinsurance]

Thanks buddy

[@jatingupta4058]

@@gameofinsurance meri niva bupa ki reasore policy hai kya mujhe 2.0 me switch karni chahiye and switch ho jayegi ki nahi ? Renewl time 20/3/23 hai.

[@gameofinsurance]

@@jatingupta4058 switch only if premium difference jayda na ho. And switch ho jayegi.

[@jatingupta4058]

@@gameofinsurance primium deference jyada nahi hai and reasore 10 lak ki hai and 2.0 bhi lak ki Leni hai but niva customer care say to me aap switch nahi kar sakte, new policy le lo, nai policy leta hu to no claim bonus bhi khatam ho jayega, and waiting period bhi nahi count hoga kya karu ?

[@SaptarshiKunduPoddar]

@@jatingupta4058 Nehi Sir, abhi tak internal porting chalu nehi hua hain. For the time being aap ka policy reassure mein hi rahega.

[@AfsalK]

Bro after 65 years ,what will be the premium...?will it increase substantially?

[@gameofinsurance]

Obviously. In all health insurance after 60yr premium hike is on higher side compared to other age groups. Because prevalence for the diseases increases as one crosses 60yrs

[@AfsalK]

@@gameofinsurance not that bro...like when i renew....niva Bupa premium calculator works upto 65 yrs...but after that age when i renew my policy at maybe 70 years of age...what will the premium then?

[@gameofinsurance]

Bro no one can predict that because they have not shared premium table. This is very big issues with these companies. They keep it secret. However many insurance companies share the complete premium table.

[@AfsalK]

@@gameofinsurance yeah... that's what concerns me..but companies like hdfc,starhealth,tata aig has premium charts...but carehealth and niva bupa don't..

[@gameofinsurance]

That’s why I mention this in my videos. This is lack of transparency.

[@muslimbhai9631]

My mom has diabetes bp thyroid n now kidney issue also wich company health insurance shall i opt for plz advice

[@gameofinsurance]

Nearly impossible to get a health insurance in such case

[@muslimbhai9631]

@@gameofinsurance ok incase any chance ?

[@justcardrive754]

sir go digit ki 10lakh ki policy le rakhi hai kabhi use nahi ki hai . godigit ki policy ka review karen ya fir godigit se kisi or company me port karna chahiye

[@justcardrive754]

Sir policy ka name hai Digit health care plus policy

[@justcardrive754]

Please review

[@gameofinsurance]

Ok ji. Will check

[@aroundusjkm]

Niva Bupa Supper Plan

[@paramshivaspiritualstories0711]

Bro should I go for one year plan or three year,kindly guide😊🙏

[@gameofinsurance]

Go for 3 if you are buying this policy. 3 yrs lene se premium me discount b milta h

[@paramshivaspiritualstories0711]

@@gameofinsurance Ok Thanks bro🌹🙏

[@shubhammali2281]

Bhai apse baat karna tha

[@gameofinsurance]

Twitter par aa jao @gameofinsurance

[@RohitSharma-yo8sz]

Niva bupa fraud company hai mera 9 lak ka claim dekha kr reject kr diya

[@bulandshahr7850]

Policy copy bhej apni proof de

[@vipanmittal1886]

Sabse bekar company hai

[@sureshaircel3754]

Niva bupa - Poor performance, poor service company, i recommend not to buy, you will not get claim easily

[@tnbandhu]

Any idea about Aditya Birla health Insurance

[@sureshaircel3754]

@@tnbandhu good company but service centre very less

[@tnbandhu]

@@sureshaircel3754 which company is the best?

[@s....982]

All companies give claim ... claim fully depend on your proposal form ...

[@anchitsmusic]

Niva bupa Health insurance is a very worst company, at the time of insurance you promised a lot but once policy taken by us you forgot everything. Today our only 27000/-Rs (claim no 740577)claim is rejected by you, then how can we trust for further. Definitely we choose a wrong company. Our policy cover is Rs.21,00,000/- after that we have not received a small amount of claim .if we did not get help from you when we need then why we pay you. Definitely we have to port our policy to other company. I never allow my nearest and dearest to choose your company. You are cheater company

[@gameofinsurance]

Dear I am not an employee of niva bupa. Based on your Perosnal experience you can port to other insurance companies. Your concern seems genuine