TOP Health Insurance *MISTAKES* to Avoid 😱 | Don't Buy Health Insurance | Gurleen Kaur Tikku

[@kkgupta6114]

Your channel is best on health insurance topics

[@kavinash.]

HDFC optima secure is pricey but the most reliable one.

[@thor3932]

Chor company hai.....New India Assurance is the best

[@sanjaykadage9063]

Thanks

[@joelsamthomas8086]

Summary of the Video. It may help others. Please add if anything is missed 1. Blindly Following Others: Not considering individual needs and circumstances. Choosing a policy based on someone else's experience without proper evaluation. 2. Underinsurance: Opting for a lower sum insured due to premium concerns. Failing to consider inflation and rising healthcare costs. 3. Hiding Pre-existing Conditions: Withholding information about medical history to avoid higher premiums. This can lead to claim rejections and legal issues. 4. Ignoring Policy Terms and Conditions: Not carefully reading the policy document to understand coverage, exclusions, and waiting periods. Overlooking important details can lead to claim rejections. 5. Delaying Purchase: Postponing buying insurance due to perceived good health or financial constraints. Unexpected medical emergencies can arise at any age. Additional Mistakes : Not Comparing Policies: Choosing a policy without comparing features, premiums, and network hospitals. Ignoring Add-on Covers: Overlooking optional covers like critical illness or personal accident. Not Updating Policy: Failing to increase coverage or modify the policy as family size or health needs change.

[@MrBlackjack456]

Gurleen Kaur Tikku talks about the common mistakes people make when buying health insurance. She starts by pointing out that despite India's large population, only 37% have health insurance. Gurleen, a certified financial planner with almost two decades of experience in the insurance industry, believes it's crucial to avoid certain pitfalls when choosing a policy. She stresses the importance of not blindly following others' choices. Just because a friend or family member has a particular policy doesn't mean it's the right one for you. Gurleen emphasizes the need to assess your own needs and requirements carefully. Another key point she makes is about understanding the features of different policies. It's not enough to just pick one randomly; you need to know what you're getting and whether it matches your needs. For example, she talks about how some couples opt for maternity coverage even if they don't need it, just because their friends did. Gurleen also warns against underestimating your coverage needs. Many people think a certain amount will be enough, but they forget about inflation and rising healthcare costs. It's essential to regularly reassess your coverage to ensure it's adequate. Lastly, she touches on the importance of knowing about portability when switching between insurance providers. This ensures there are no gaps in coverage during the transition. Overall, Gurleen's insights highlight the importance of making informed decisions when it comes to health insurance. By avoiding these common mistakes, you can better protect your health and finances. However, for a deeper understanding, it's best to watch the entire video.

[@dptmshr]

Hi great video. Can you please also review SBI super health insurance

[@GurleenKaurTikku]

Thank you jee, keep watching ! Yes, we will bring up a video soon .

[@mohamedamanulla9060]

Seniors care health insurance kais hai. Can we find suitable for senior citizens with moderate income group.

[@GurleenKaurTikku]

Hello jee, yes there are many plans available for senior citizens now. You can connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your medical history as well.

[@rajgajbhiye12]

Mam HDFC ergo ki ican insurance policy par video banaye.

[@GurleenKaurTikku]

Thanks for the video suggestion, we will try to bring up a video soon 😊

[@Lara-s3h4o]

All your videos are very informative and to the point. You and your team are doing great work about health insurance education and support.

[@siddharth_j92]

Hello Mam, can you advise for 31 year old couple staying in UAE should take niva bupa health reassure for 1 cr titanium+ as we might need a sound insurance policy near our retirement and moving back to India. Considering both parents has history of cancer post age of 55 years.

[@bharatsaini9862]

You can Go for the Niva Bupa reassure 2. 0

[@virsinhrajput4576]

Future janarali company ki health absolute policy per vidio banao. Maam

[@GurleenKaurTikku]

sure, Thank you for the video suggestion. We will try to bring up a video soon😊

[@virsinhrajput4576]

@@GurleenKaurTikku thankyou

[@ramanprasad100]

Thanks a lot for ur informative videos helping us take proper decisions. I have a query which if resolved will be of great help in getting my decision materialised . I want to know which will be better- buying a policy from an intermediary like policy bazar or any other agent or buying it direct from the insuring company . Will one get any sort of additional support & advantage if one takes a policy from intermediary like policy bazar?

[@dheeraj787]

Gurnleen, what all we need to tell in pre-existing condition? Does it also include if i ever had fever, covid, gastritis, Postrate issue etc ?

[@rishiraj1616]

Any tests that you did and their results! Better if you can attach documents.

[@prasadbhaste9067]

madam tell me any such insurance, everything is converged, the premium will have to be paid more, but the benefit should be obtained. i m already confused

[@GurleenKaurTikku]

Hello jee, it depends on your requirements & medical history. If you want any assistance in choosing a suitable plan, connect with us on WhatsApp/Call at 9650706699. Our team can assist you 😊

[@manojkumarmunna5270]

I like the topic...

[@GurleenKaurTikku]

Thank you jee, keep watching 😊

[@Raviarora2024]

Mam mere pas hdfc ergo optima restore family plan hai..mere agent code ko company ne deactivate kar dya aur mere plan ko direct kar dya hai..ab kya karna chahiye.

[@navrangpaints6936]

Mam I am 51 year and my wife is 47 I am owning hdfc ergo optima restore policy of sum assured ten lakh since 3 years and I have not taken any claim , should I migrate in hdfc optima secure of should I continue with hdfc optima restore, please suggest me. Thanks

[@abhisheksolanki5283]

Optima secure

[@kingamitin]

Can anyone suggest me which is best NivaBhupa reassure 2.0 or HDFC Optima?

[@abhisheksolanki5283]

@@kingamitin go for hdfc or icici if u want smooth claim

[@GurleenKaurTikku]

Consider migration to Optima secure for better features

[@kunjpabuwal9196]

Mam kya pnb metlife star group health insurance policy kasi hai meri umra 73,wife 68

[@GurleenKaurTikku]

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

[@MrBlackjack456]

1. How can individuals determine their specific health insurance needs? 2. What are the key features or benefits to look for in a health insurance policy?

[@dibakarchakraborty8712]

Top up and super top up policies pe please video banaye. 🙏

[@GurleenKaurTikku]

jee, thank you for the video suggestion. We will try to bring up a video soon.

[@apurbabarman3418]

Mam I want to talk to u about policy how can i take

[@GurleenKaurTikku]

Hello jee, To buy Health Insurance or any assistance, you can connect with us on WhatsApp/Call at 9650706699 or you can fill up this short form & our team can contact you directly. FORM LINK : hareepatti.com/contact-us/

[@ach336]

Max. Sum assured will have a heavy cut on pocket after 10-15 years ,to reduce it later it's better to take as per your eco condition to survive later years. Another good thing is Premium will increase as per inflation not sum assured.

[@govindrana4646]

Gurleen ji mare policy nibha Bupa reasure hai 5 lc sum insure Main reasure 2.0 main upgrade ker sakta hoon ? COVID ke time Li thi policy

[@GurleenKaurTikku]

Yes, you can upgrade and it will be done as per underwriting guidelines

[@govindrana4646]

@@GurleenKaurTikku Koi nuksaan toh nahi .or wating period dobara toh nahi lagega

[@shreematimaryadiintercolla5543]

Maim v. Nice. Maim pratically Policy term padh ke meaning bata de to khoob samajh me ayega.

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@Insurance_with_GK]

Mam TATA aig ke bhi product ki details videos banayiye

[@shivanandakodi9326]

Never go for it. My policy is 3lakh premium 50thousand.My age is 66.

[@Shivani-xq6ys]

Mam, do Nova Bupa reimburse hospitalisation expenses in Reimbursement claim which was not claimed earlier in Cashless claim availed

[@ajeshturi131]

Thank you!

[@GurleenKaurTikku]

KEEP WATCHING !

[@prasannayadav1517]

Mem i am 31 year old i am a heart patient i hv done PTCA stenting so which policy should buy plz guide me

[@yousufpasha8184]

Ma'am abhi cashless anywhere aaya hai. Aur meri basic cover alag company se hai aur super top up alag company se hai to is situation me mujhe super top up me bhi cashless milega ya nahi, aur milega to kaise , Is k upar ek video banaiye it's very important matter

[@shivpratapsingh8411]

First view ❤ I have seen all video of yours

[@GurleenKaurTikku]

Thank you so much jee 😀 KEEP WATCHING 😊

[@vikashaggarwal69]

Mam acko health insurance pr bhi video banaye. Iss company se health insurance krwana chahiye ya nhi

[@GurleenKaurTikku]

We already have a few videos where we have shared the details but we don't have any first hand experience in the same. So, can't exactly comment on the services. Please do your due diligence before buying the policy.

[@akashgadelwar1711]

Niva Bupa ki claim settlement ki procedure share kijiye...Maine suna hai bahut slow hai....aur ajent kya kya madat kar sakta hai.. police claim settlement me

[@pepper4code31]

One query, If i took health insurance for family and assume premium is 50K and this premium will vary every year ? As age grows?

[@GurleenKaurTikku]

Yes, it can increase as per age and health inflation

[@sunnyarora4224]

Mam Mera reasure plan liya hua hai Aspire me port ho sakta hai Pehle claim liya hua hai tified ka baby ka

[@abhisheksolanki5283]

Port to hdfc ergo

[@GurleenKaurTikku]

Currently Aspire me migrate nahin ho payega

[@sriramvs8180]

10:28 You are giving very useful information, but if you talk in English it will be very useful to all the Listeners.

[@GurleenKaurTikku]

Got it, Thanks a lot for your feedback.

[@kingamitin]

Mam Niva bhupa reassure 2.0 ke bare mein video banaen. And Policybazaar se policy Lena sahi hai ya nahin?

[@DebajyotiSaha]

Buy through agent

[@shivpratapsingh8411]

I bought same policy from policy bazaar and they helped me a lot

[@ratuldas7437]

Buy through agent

[@GurleenKaurTikku]

kzbin.info/www/bejne/amXKi5qMlp6jZ9k Detailed video on Niva Bupa Reassure 2.0

[@rohitkankarwal1085]

Buy only from policybazaar... Best in the market

[@bittochadha890]

मैडम एनुअल हेल्थ चेकअप की रिपोर्ट कंपनी से शेयर करनी चाहिए या नहीं जो कंपनी द्वारा ही दिया जाता है

[@onestopsolution619]

Great Gurleen

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@Kumardeven440]

Hello mam, a long time ago I had an accident in which I got injured and I got myself treated for that, but now again I have started having pain in my head and neck. And now I want to get my treatment done by taking medical insurance, so which medical insurance should I take so that I can get treatment including MRI and CT SCAN. Plz guide me ma'am.my age 30years।

[@GurleenKaurTikku]

Please buy insurance policy after disclosing old accident history

[@BALVINDER-Singh]

SSA Mam, earlier i have Manipal Cigna Pro health now i upgraded my policy with Manipal Cigna Lifetime health with 50 lakh sum assured. I have never take any claim in my last 7 Years. Hopefully my all the decease will be covered in my policy. Please share your views. How's my Policy and will i be covered for all the deceased except exclusions mentioned by policy.

[@smartyharsh0905]

Not good policy

[@BALVINDER-Singh]

@@smartyharsh0905 i already got the reply from Gurleen Mam and she suggested as a Good Policy so please Keep you Gyan with you.

[@smartyharsh0905]

@@BALVINDER-Singh you will know it soon. People like you deserve bad advice only. Get lost now.

[@martinaugustine7598]

Thankyou soo much 🙏🙏

[@GurleenKaurTikku]

Keep Watching !

[@sattisubhashree8094]

Madam Namasthe, resident small city, required Health family pack, age 35, 30, 07. Advice pl.

[@chiranjib8989]

mam only opd ke opar ek videos banaye

[@GurleenKaurTikku]

Sure, we will try to bring up a video soon 😊

[@markdelwin]

Hello Madam, what is your opinion on Aditya Birla Active One Nxt for someone who is having hypertension in 40s age. Aditya birla is relatively new, so is it reliable, I liked the policy but but afraid of its claim process.

[@GurleenKaurTikku]

Hello jee, we have our detailed review video available on the same. Please check the link : kzbin.info/www/bejne/an23pYtmnthlfacsi=zQZMiB-fminm9f2d

[@soumitraguha4095]

Madam Namaste, Apka Online or Offline koi training hai to details digiye, hum attend karna chahta hai

[@kamalrathaure4768]

Please guide us on terms insurance also

[@SERVICECONNECT]

Mam health insurance agent banne se kya-kya benefit hai? Please 🙏

[@christopherfernandes796]

work appreciated..need to know what possible questions the insurer can ask me if I have to increase my sum insured or disclosure for any new ailments contacted at the time of subsequent renewal consideration my pre existing clause is superseded ..thank you for spreading your valuable knowledge

[@GurleenKaurTikku]

You have to disclose all the material information which is past medical history, regular medication, hospitalisation if any

[@divisandeepKumar]

Madam Can you please suggest me regarding best health insurance Father age is 60 years - Diabetec patient taking daily Insulin patient Mother age is 61 years - BP patient and suffering rhuematoid arthritis patient

[@darshanvaghela2831]

THANK You So Much

[@GurleenKaurTikku]

KEEP WATCHING 😊

[@ramyadav6687]

इंश्योरेंस कंपनियां पॉलिसी पेपर हिंदी में देती है कृपया बताएं 🙏

[@vinny_3376]

Dental insurance kahan covered ha??

[@JaiShreeRamIndustries]

India ka top one health insurance plan kon sa hai

[@navrangpaints6936]

Should I opt 25k deductible or not

[@ratuldas7437]

No

[@GurleenKaurTikku]

Yes, a smalll deductible is a good idea to opt. DEtailed video on deductible for your reference - kzbin.info/www/bejne/bXaQg5mabNCXg9E

[@akashgadelwar1711]

Ajent zut bol kar policy bechte hai...unpar case kar sakte hai kya

[@JaiShreeRamIndustries]

I want port my policy of TATA AIG PREMIER TO top one health insurance plan premium no matter but I want top one plan my date 8 August 2024

[@srirupghosh9486]

National Insurance Best Mediclaim Policy.

[@divyaalok5538]

जय श्री कृष्ण

[@pankajlakhwani1059]

Buy heath insurance from the agent near your home don't buy from policy bazar or any other KZbinr it gives problem at the time of claim

[@veeranarayana]

Super golden words

[@gajendrasharma7437]

Right

[@nandhinidevi5894]

Very true

[@Fiery908]

Agent ka death hojayega to?

[@jatindersinghpandher]

Hello mam mery knee surgery huye hai kya yeh baat insurance company ko batana jarory hai ?

[@SumanSingh-vo6fr]

OPD aur day care par detail se samjhe

[@gopalsinghkitawatbabu4746]

Thanks u maim

[@akashgadelwar1711]

Jis company ya plan par ajent ko jyada commission milta hai...vohi policy ajent betchte hai

[@BALVINDER-Singh]

SSA Mam, You promised me on make the updated video on the below link 7 months back. I am still waiting there you have not responded to my question- ye Breast cancer, cervical Cancer screening, oarian cancer screening and all policy mein cover nahi hai ? Ye wirf rider lene par he cover honge? respond?kzbin.info/www/bejne/o6G7iGRtrZeUbtU

[@divyaalok5538]

जय भद्रचारू

[@sabyasachichatterjee7375]

Govt. Insurance company has no hidden features

[@dattatrayalimaye8070]

आपको रिक्वेस्ट आहे की आप रायडर्स के बारे मे एक अलग से व्हिडिओ हमे प्रोव्हाइड करे

[@davindersinghturbantrainer9998]

Hello sis

[@ravisharma9721]

Seeta ram ji

[@vakeelmohammadansari8525]

very good Info..

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@AkshayB.555]

Madam Apki co. Ka email / gmail id batye please .

[@GurleenKaurTikku]

Hello jee, we are available on WhatsApp/Call at 9650706699. Our team can assist you 😊

[@GurleenKaurTikku]

Hello jee, we are available on WhatsApp/Call at 9650706699. Our team can assist you 😊