10 Hidden Conditions of Health Insurance | Know Before you buy!

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Get Health Insurance from PolicyBazaar: health.lla.in/
Get Term Insurance from PolicyBazaar: term.lla.in
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Watch Ultimate Health Insurance Guide : • Ultimate Health Insura...
Watch Ultimate Term Insurance Guide : • Term Insurance : Ultim...
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DISCLAIMER :
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Chapters:
0:00 Intro
2:04 No Claim Bonus
2:52 Continuity of Policy
6:02 Settlement of AYUSH Claims
7:07 Pre-Existing Diseases & Past History of Diseases
10:39 Clubbing Multiple Policies
11:20 Reimbursement is Better than Cashless
13:18 Important Points to remember during Policy renewal
15:32 Porting Corporate to Retail Policy
18:00 Health Insurance for NRIs & OCIs
Plans with Global Coverage : drive.google.com/file/d/17190...
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Read the detailed article here : labourlawadvisor.in/blog/ten-...
LLA Blog : labourlawadvisor.in/blog/
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Employment Consultancy, Contract Review, Salary Structure Review: www.consult.lla.in/
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Shot & Edited by: Rohan Agarwal
Presented by: Money-Minded Mandeep
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#Healthinsurance #LLA

Опубликовано:

29 июн 2024

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Комментарии : 853

@LabourLawAdvisor 5 месяцев назад

Get Health Insurance from PolicyBazaar: health.lla.in/

@sagarchouhan7707 5 месяцев назад

hello Mandeep, I am an NRI living in UAE with my family. I have health coverage here provided by my employer to me and my family. but the nature of the job is that I will be back in India in maybe 1 to 3 years. I am 33 yr old and don't have any health insurance for me or my family in India my current insurance covers overseas. so I am confused, should I take health insurance after I come to India or should I take it now.

@yashparate6111 5 месяцев назад

please make a video on two wheeler and four wheeler insurance for new vehicle

@MrMallu. 5 месяцев назад

I tried to buy frm this link last time. but that bazaar executive said abt one thing but he hided something...that i don't liked it... it was when u buy super top up, room rent is there...u can see that in small words

@csk_super_fan.7 5 месяцев назад

List nahi mil raha government approved ayush hospital ka..😢😢

@Hungry_to_learn 5 месяцев назад

👍

@AnalyticsSensei 5 месяцев назад

Great work LLA, however i believe the best solution is to have stringent laws and regulations for these insurance companies to abide by, so that they cant deny a genuine claim. They exploit the process by creating a lot of dark patterns making it difficult for the end user to understand easily.

@user-bv8ng6pk2o 19 дней назад

Recently i had to go through hospitalization and with information about room rent cap & managing it accordingly, I was able to get FULL CLAIM! My whole family thank you for this wonderful information 🙏❤

@ghoshprameet 5 месяцев назад

The problem of policy bazaar is that you get 100 calls within a week. Even if you block one number they will keep haunting you from other numbers.

@anonymouslive2792 5 месяцев назад

Honestly I don't have any prblm if video is 1 hr long or 1.5 hr long I'll watch it with my full sincerity as it's highly important for me... Thanks lla and mandeep for bringing this videos with us.. ❤

@shyamdattani007 5 месяцев назад

Btw one more point on reimbursement vs cashless. This has happened with me in the past let's say your policy term is 5L the hospital will give you an estimate from 3L-4L depending on the usage of the procedure. But when you opt for cashless they will directly go to the highest plan and not look for the plan you had asked for. This happens with me in Ahmedabad EpIc hospital where we selected a plan of 2L for my father in law's treatment but when we said it's cashless they took it to 3.5L and the only difference between 2L and 3.5 l plan is private room vs suit room and the procedure is day procedure still they took the highest plan

@rohitahir 5 месяцев назад

i am in my 20s and i really love your efforts to make us safe and secure 🤗

@thee_boundless_soul 5 месяцев назад

LLA is all about improving people's life, and directing it to a better way, just like our fathers used to guide us in childhood for our betterment, LLA is not just a RU-vid channel, its an emotion, pure respect for LLA. and mandeep nd rj sir❤❤❤

@SonuMahnot-om3rr 5 месяцев назад

A couple of years ago LLA Mandeep had shared about porting policy from corporate to retail once we switch companies. I recalled his video, watched and initiated a migration from corporate to retail. I could successfully do it, however there are a few conditions like you should be employed in the same company for a certain tenure (in some case > 4 years) and corporate policies are tailor made, retail plans do not match exactly, some minuscule conditions aswell . Thanks a lot LLA, you are really making us Jagruk Janta.👍😎 wish to thank you in person.

@aspiressc126 5 месяцев назад

LLA is always working for us. We trust you LLA. ❤ FROM WEST BENGAL

@imnemo2327 5 месяцев назад

Your life insurance guide was a big help. It saved my father from buying another one of those double scheme insurances. Thanks a lot for your efforts.

@satviklodha5219 5 месяцев назад

The work You guys are doing is just so pure of heart and benevolent ❤

@InsuranceBhaiya 5 месяцев назад

I never saw this much easy-to-understand Health Insurance video on RU-vid before. Thank You, Mandeep Bhaiya. Know more about the topics mentioned in the video like what is Rider, co-pay, premium, and many more about insurance on the Insurance Bhaiya website. Again big thanks to Mandeep bhaiya.

@soumyajeetchakrabarty6872 5 месяцев назад

I have watched both the videos pertaining to health insurance. Thank you for all the knowledge from the bottom of my heart. You are a wealth of wisdom & I learn something new everytime I watch videos of yours which is and will help me in the long run.

@last_minute_film 5 месяцев назад

You guys are the best. so honest! Keep up the good work.

@vatsalparekh7914 5 месяцев назад

That 43 min video is a must! Super top up disclosure was eye opening, rather than buying top up

@fearless0074 5 месяцев назад

Nd yes.. apka bolne ka trika bht achha hai. Proper es tarah se bol rahe ho k har kisi ko easily smjh aa jaye.. jaldi jaldi raita nahi fela rahe.. very gud way ..

@Awakenbeing 5 месяцев назад

Well covered and still not a long video, always admire the well edited video💯

@neil3066 5 месяцев назад

Y'all are doing a fabulous job. Glad such videos exist

@swarupdas6604 5 месяцев назад

I am a MBBS student in a private medical college, I observe in our hospital there is 2 different price for same test/ot cash patient and insurance patient. Generally it's always high for insurance patient .plz explain this.

@drrouf-er2ft 4 месяца назад

Cashless payment and doctor knows you're insured patient .

@swarupdas6604 4 месяца назад

@@drrouf-er2ft In a hospital doctor don't decide the price for the treatment , that is decided by hospital management.And 90% hospital is owned by politicians or businessman.

@truth6111 4 месяца назад

Yes I r right. Doctor bhi isme shamil hote h@@swarupdas6604

@Shares211 3 месяца назад

Same situation in our Hospital also

@fzlagges5849 3 месяца назад

@@swarupdas6604The hospital is trying to overcharge the insured person knowing that the insurance company will try to underpay. They are both trying to profit and essentially scam each other which is why there is a higher bill for insured patients.

@12.aparajitabhattacharyya94 Месяц назад

Watched your previous video on the same topic and was completely hooked. Very informative. Thank you for simplifying for a complete newbie like me!

@Achieve_with_Mind 5 месяцев назад

Thank you Mandeep Sir for making update videos on health insurance and term insurance. It will help us a lot

@loosetalk8829 4 месяца назад

Much needed topics for better life decisions to cover your families.. thanks a ton for your continuous efforts.

@piyushtyagi3699 5 месяцев назад

Hi MM Mandeep, first of all many many thankful to LLA to have you with us. And would like to highlight here one issue with porting of HI plans...companies charged more as compare to fresh policy....if it's a portablity case.

@ghorexpert6528 5 месяцев назад

Great job, you really like the country.We are proud of you for this type of work.

@TheParipelly 5 месяцев назад

Very happy to follow you brother 👍 Hoping many more financially useful and common man financial issues related videos 🙏🙏🙏👏👏

@debasispatra8368 5 месяцев назад

You are just Awesome Mandeep. Great video as always.

@Kaalpurush_Katha 5 месяцев назад

Thanks for the Video👍👍👍 mei 2-3 bar 43 min wala video dekha.. Bohot help huya..

@karthiknadar8380 5 месяцев назад

It's such a simple solution.. govt shud give an option to citizens of India to contribute certain amount and in return govt shud cover it's citizens by providing a health cover

@NaturesHomeChannel 5 месяцев назад

Your contents are truly amazing. I have learnt a lot and have taken different courses from your channel. It would be much helpful if you could make a video on the things to keep in mind for NRIs while taking health insurance and Term insurance. I request for a knowledge pack focusing on NRIs. Thank you!!!

@jithendrashankar7965 5 месяцев назад

You've done so much of work and crisp clear. Appreciate your fantastic work. But I wish it was completely in English or with subtitles. I couldn't fully understand and feel confused.

@karan_charak 5 месяцев назад

Again the best ever Video by Mandeep Sir 🙏🙏 Thank you for the QNA answers Sir #LLA

@mr.ajeetmishra 5 месяцев назад

Great work, you explain very well.

@swamidkbose 5 месяцев назад

Thank You so much.Its highly educative.

@subhanginibharati9987 3 месяца назад

After watching your video on term insurance, I followed the steps on Policy Bazaar and got a call from an agent. He praised my knowledge about term insurance, which I learned from you. Thanks for making things easier. Also, I have a request. There aren't many resources out there about pet insurance. But these days, owning a pet often means facing big vet bills. It would be immensely helpful if you could create a video addressing pet insurance. While there may not be many options available, as pet parents, having insurance to assist with medical bills is crucial. If you could do that, it would be awesome! :)

@ashwinthakre6638 2 месяца назад

Bro keep the good work going. I like your videos. To the point and very detailed.

@shish5191 5 месяцев назад

Great video sir ji... This type of topics really helpful in current scenario, as companies making only profit in the name of insurance. They don't care about the feelings and conditions of the person at this crucial time.

@pankajuniverse8902 5 месяцев назад

Great , Mondeep ji…this is helpful topic …..we hope another one informational video in health insurance topic,which not covered yet ❤

@pranavbolangadi 5 месяцев назад

I have been following and watching all your videos. Amazing information provided in all videos. Great work. Can you also create a video on different types of riders in insurance policies. Especially Personal Accident Rders. These riders are so confusing and misleading that the customer is not able to claim in full.

@jayntapanda 5 месяцев назад

Hey Mandeep bhaiya, a big thank you and trust me I really admire your work. Someday I will work with you. Thank you for covering hidden things.

@BhuvneshManchanda 5 месяцев назад

Your insights are highly valuable, sir. Regarding your mention of the 'Reimbursement is better than Cashless' perspective, where you highlighted that insurance companies often engage in backdoor agreements with hospitals, setting specific limits for diseases, I would greatly appreciate it if you could share any documented facts or written sources on this topic.

@suryakantsaini1358 5 месяцев назад

Great work as always...

@ramyasri6093 5 месяцев назад

Thanks for providing so many details so intricately

@lavkeshjadav6413 5 месяцев назад

Thanks a lot for such informative videos, Had my parents been educated by someone on health +Term insurance and avoided LIC, We would be far more wealthier than current we are. You have been creating a big change to my future wealth, thank you for your contributions ❤ Can you please also suggest policy planning for parents?

@aniketgupta8909 5 месяцев назад

It was really helpful, i appreciate your hard work and dedication money minded Mandeep

@sumitbobhate212 5 месяцев назад

Thanks Mandeep for a very informative video.

@navjotsinghsaini9884 5 месяцев назад

Thanks for this transparent info god bless stay fit and keep guiding us

@suraj_rodge 5 месяцев назад

Guys you are doing great work , that 43 minutes video was so helpful , I literally forced my parents to watch the whole video so nobody will be able to scam them in the name of medical insurance !!

@shrikantbmali 5 месяцев назад

I would love if the videos are even more detailed. this content it such a gem.

@krupabibhav 5 месяцев назад

Great video, Really helpful, please keep up the good work. 💙💙

@s_p1001 5 месяцев назад

Great effort and well delivered. Please continue to demistify the legalised GREY traps of the insurances and other instruments which are important for a common man 🙏

@RahulGupta-bf3ku 4 месяца назад

Great video Mandeep. Always look forward to new videos from LLA team. Can we cover two topics please - GIPSA insurers and interstate laws for widows

@mishra.prateek 5 месяцев назад

Thanks LLA. Bought my insurance from using LLA affiliate link only.

@brijeshbhardwaj7807 5 месяцев назад

Great work LLA!!

@saurabhkatiyar7670 4 месяца назад

Helpful video --- Thanks for your time and efforts

@raveeshmishra9412 5 месяцев назад

Thanks Mandeep for making such videos.

@to_be_fair_doh 2 месяца назад

great informative video man. THanks

@rahultandurkar5171 5 месяцев назад

Very nice video Mandeep. Health insurance surprises people in a very ridiculous manner. We need to be very careful at the time of reimbursement or any submission of documents with them. One point i wished people are aware is pre and post hospitalization cover. They are available in most of thr corporate policies. I am not sure of the retail policy. You can get a cover for medicines or diagnostic test in this period.

@nikhilpanchal7332 5 месяцев назад

Great sir exactly i wanted this video ❤

@rex77x 5 месяцев назад

Kal mera surgery hai Dua kro successfull ho jaye 😢

@MantriMahesh 5 месяцев назад

Hats off to you for making Quite informative & 🙏🏻🙏🏻🙏🏻awareness

@rahulbeats8251 4 месяца назад

Very informative video. You guys are doing great work by making people aware. Your informative videos are very helpful in deciding to buy good policies and investment options. You are providing this service to people, you are doing a great work, many people are benefited from your information. May God keep you happy always. And you keep making such informative videos. Thank you from bottom of my heart. 🙏

@srpatnaik4548 3 месяца назад

Eye opening Video...Excellent...

@shubhamsharmaofficial04 Месяц назад

Thanks for making this video ❤

@harshparadkar 5 месяцев назад

Thank you LLA for providing such great and unbiased content free of cost, I have watched all the insurance videos and I think you could've easily built a paid course out such high quality of information and detail but yet you kept it free, massive respect for that.

@PlasticSquare 5 месяцев назад

Regarding cashless and reimbursement, there is a higher chance of harrasment by Investigation Agent of Insurance company 😢 if you opt for reimbursement mode. I believe I saw a video from Pattu where he mentioned a case when his mother was hospitalized. Investigation agent treat everyone as fraud because there are highest number of fraud cases in Reimbursement mode. So if someone is taking reimbursement route, they should always go to network hospitals 🏥

@Sai-rp2pw 5 месяцев назад

Such a great video ❤❤❤❤❤

@track0123456789 5 месяцев назад

Very good and informative videos. Can you please make a video around, how to document or share medical history. As we are always sharing our aadhar nowadays.

@bhaveshgoyal8707 4 месяца назад

Thank you sir for guiding you 🙏

@DeepakKumar-cx5tr 5 месяцев назад

Thankyou for such an informative video.....

@bijoyroy1693 5 месяцев назад

Great job bro. Bahut mehnat kiya apne iss video ko banane mei

@somyakumawat6313 5 месяцев назад

Great work🎉❤

@amitchouhan2070 5 месяцев назад

Sorry yh batane k leye Ki policy bazaar walle koi khass help nai krti Paper work k wakt . Mere ko abhi 10 days phle hi dikkat Hui thi . Koi help nai milli policy bazaar ki tarf say Or upper say 10 lakh ka madical leya tha ,vo bhi 2 year ka advance payment kra deya .or jb hospital m admit hua na hi koi agent help or uper say 1 lakh ka hospital bill bna cash less krva tha . 1 lakh pr bhi 25 thousand amount mere ko lang say cash amount deyna pdaa . Mere ko jo dikkat Hui thi .ager m usse normal hospital m karvata to 20 thousand hi Bill bnta . # reject policy bazaar

@anuragbonde2806 5 месяцев назад

Thank you Mandeep.

@TheMathsExpress. 3 месяца назад

Money Minded Mandeep, congratulations for a new journey and thanks for everything that you are doing with full transparency........ Salute to all 🎉🎉🎉🎉🎉

@user-ee5pn3me7k 5 месяцев назад

u guys are very honest

@ATK633 5 месяцев назад

Amazing bro 👏👏

@davidroy3420 2 месяца назад

thank you sir for this wonderful and informative video

@AmitMurarilal 3 месяца назад

Thank you very much for providing this information and organizing it for us. Your effort is greatly appreciated, and it has been immensely helpful. Regarding my query: Is it possible to have two group policies (parents and spouse are insured in both), from private health insurance? If so, am I eligible to claim benefits from both policies?

@kj_83 5 месяцев назад

Thanks Lla & Mandeep bhai where i check my health policy is write which i take in 2017 of hdfc specially 60yr renewal time

@surajkumarpatil4572 2 месяца назад

He is best advisor.... hat's off MMM.....😊

@pashabhaisayyad6066 5 месяцев назад

Thank you so much sir for curect information

@user-kw4fw2ev1p 4 месяца назад

Mani 'your effort we can see' Excellent 👍.

@DPworld-12 5 месяцев назад

Good work love from West Bengal ❤

@KIRANKUMAR-ch5jc 5 месяцев назад

Very useful and informative

@alpitanand20 5 месяцев назад

Dude, color grading...!! too good .

@abhishekdixit5257 2 месяца назад

Even more detailed videos will work on such important topic. Please keep it up, 10sec. ke wahiyat shorts jinse kuch nhi milta bs timewaste hota hai wo nhi chahiye... informative videos chahiye❤

@SumitSharma-cx5id 5 месяцев назад

Thank you so help full

@dikshepkulal284 Месяц назад

Thank you for the valuable information sir

@vinodtanwar8788 2 месяца назад

Thanks to Team LLA 🙏🙏

@adarshshukla9763 5 месяцев назад

Great 👍 very informative

@royalk2c 5 месяцев назад

Again you made me more knowledgeable in the area of Health Insurance. Absolute gem content from Mandeep sir 🫡 I ❤ the team of LLA who are continuously working on educating the people in different areas and help them to make financial decisions on their own. Keep making such informative content and a big Thanks to the LLA team. 😊

@flairlife4215 5 месяцев назад

Hi sir.,. it's nice boht help hoti hai apki videos se...mai apki bohat bari fan hoon.... treding mai algo k bare mai vi video banao sir

@rishabhshukla8931 5 месяцев назад

Good job brother ❤

@sambhubauri3511 4 месяца назад

Well clarity by LLA...❤❤❤

@sonalcalicut5330 5 месяцев назад

Superb explanation 🎉🎉

@roy_tanmoy 5 месяцев назад

A big issue regarding health insurance for elderly parents are that there are very less option and all are super expensive and with a long waiting period, while corporate policies provide some ease for those individual but again leaving a job discontinues the policy. I'm one of those who has/is facing this same issue. Almost no insurance provider are providing any plan for my elderly parents and whatever super expensive plans are available they has 3 -4 year waiting period for the basic and the obvious old age disease.

@ucantcme2299 5 месяцев назад

Never think to profit from a health insurance of u believe that I will benefit from insurance policy by paying 10% of hospital bills as premium, They are just meant for reducing uncertainty and avoiding any emergency outflow issues. If your elder parents are already facing medical expenses the premium is definetly higher than ur expenses bcoz insurance is a ban and not a donation to the needy😂

@MD-pq5cd 5 месяцев назад

According to me don’t buy policies for them, as at this age you might got 3-4 companies plans but there’s alot of co pays in it, so it better to open an RD, yes right recurring deposit account for monthly basis, for there future medical expenses

@asianguy86 5 месяцев назад

@@ucantcme2299but health insurance itself is a scam in india considering rejection rate 😂😂😂

@ritikmdn97 12 дней назад

You've hit on some really frustrating points about senior citizen health insurance. High premiums and long waiting periods are a major concern. While finding the perfect solution can be tough, you do have some options: - Super Top-Up Plans: These offer higher coverage at lower premiums than many senior citizen-specific plans. You pay out of pocket up to a deductible, and the plan covers the rest. - Group Plans: Explore options through alumni associations or other groups you or your parents are part of. These can sometimes offer better rates. You can also consider comparing retail plans, in case some one suits your budget. Here are a few good options - - TATA AIG Elder care (Offers no copayment, additional benefits like home nursing care, home physiotherapy, compassionate care giver, home care treatment cover, preventive health consultations, etc.) - Niva Bupa Health Companion (Comprehensive health insurance plan with no entry age limit and no copayment) - Care Supreme (Comprehensive health insurance plan with no entry age limit and no copayment) - HDFC ERGO Optima secure (Comprehensive health insurance plan, now available for 65yrs+) You can reach out on WhatsApp at 8931027062 to speak to an expert advisor. Alternatively, you can schedule a call at calendly.com/getsimple_health/30min?RU-vid

@Hyunx999 2 месяца назад

This guy is just brilliant

@ArnabDan 5 месяцев назад

I like your videos on health insurance and have gone through them multiple times. Just yesterday got a health insurance. And today i see your new video. Anyways I wanted to let you know that wouldn't it be better if we can support you if you affiliate with Ditto. Atleast no spam calls unlike policy bazaar ! I am fed up with thier spam calls.even miss calls.