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Can I Buy Health Insurance For My Parents? | 2023 | CA Rachana Ranade 

CA Rachana Phadke Ranade
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What is covered?
00:00 - Introduction
00:47 - Practical example with various scenarios
02:20 - Are Pre-existing conditions covered?
03:53 - What is the Co-payment clause?
05:28 - How can I buy a right policy for my parents?
06:34 - Insurance cover for parents by employers
07:57 - Are there additional points that need to be checked?
10:18 - Conclusion
In this video, I have discussed in detail about the factors that we should consider while buying insurance for elderly citizens / parents. There are many questions that come to our mind such as whether our parents will get a health insurance or not, what all clauses will be added to the policy, will pre-existing diseases be covered, can there be cashless treatment or not, what is co-payment etc. We will see answers to such questions in detail.
#RachanaRanade #ShareMarket #Healthinsurance

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3 июл 2024

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Комментарии : 216   
@CARachanaRanade
@CARachanaRanade 2 месяца назад
✔️ Invest in Knowledge: link.rachanaranade.com/CourseStore
@mamtalele5674
@mamtalele5674 Год назад
Two points to know: 1. Corporate insurance will not cover one parent and one parent-in-law This was my need I needed cover for my mum (my father is no more) and my FIL which could not be accommodated. Corporate benefits end the minute you leave the job. 2. There are medical insurances where the sum insured gets renewed once a claim is done. So at all times u remain insured. In other types once a claim is made u are insured only for the remaining amount. Check that before selecting a policy
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.
@nitinkaushik7110
@nitinkaushik7110 Год назад
Thanks a lot Rachna Mam for educating and guiding us for such a complicated subject like insurance n all.
@nischalreddy27
@nischalreddy27 Год назад
Very valuable information Rachana.Thanks.
@rajendrakumaar3800
@rajendrakumaar3800 Год назад
Govt should make Insurance Cos to do certain % of business covering Health Insurance of Senior Citizens and also introduce portability in Health Insurance.
@meghadani4241
@meghadani4241 Год назад
I always appreciate the way you present such complex matters with sooo much of ease ..you really rock
@Aarun3096
@Aarun3096 Год назад
Hi Madam, Great to See the video I was thinking to take external policy to my parents this brought glad to me and good guideness... Much appreciate🥰.....
@gedelasasibhushanarao3863
@gedelasasibhushanarao3863 Год назад
You are outstanding in simplifying understanding of the subject
@jayeshbrahmane2044
@jayeshbrahmane2044 Год назад
Superb content! I'm surprised I didn't come across your channel earlier, keep it up!
@harshavardhanmanda6984
@harshavardhanmanda6984 Год назад
Thanks for sharing the knowledge
@NoSpaceInThisWorld
@NoSpaceInThisWorld Год назад
Absolutely informative 🙏❤️
@mani_vk_29
@mani_vk_29 5 месяцев назад
Thanks alot for your guidance ❤
@prawinpawan
@prawinpawan Год назад
Thank you ma'am for the information 🙏
@tamilselvan-pn6op
@tamilselvan-pn6op Год назад
Very nice and clear presentation and information .. Keep it up😊
@nilajbanerjee2493
@nilajbanerjee2493 Год назад
Mam please make a video about defence personnel who are already covered by military hospitals but due to their being located at far off places it does not become feasible for getting treatment. Should military personnel get additionally get covered with a term life plan? Are their any special benefits that companies are offering to us?
@damodarannarayanaswamy4586
@damodarannarayanaswamy4586 Год назад
I opted for my companies parental insurance policy, 3 years before, where, intially, i used pay only 18000 per annum,.., now it is changed from 2023, to 32000 per annum, without intimation or calling they deducted, after asking they are saying as per policy it will be automatically, when i called the company insurance policy they are saying due to age factor of parents it will change
@lazyboytechnology
@lazyboytechnology Год назад
Hi Rachana ,My father is 71 and my mother is 67 yrs of age father had suffered a stroke and my mother from cushing syndrome all recovered but under medications for the past 10 yrs is there a possibility of a medical insurance ??
@sandyortn
@sandyortn 6 месяцев назад
Hi Rachana, could you provide honest feedback on the quality of ACKO health insurance? It's attractively priced, offers extensive hospital coverage, and operates without intermediaries.
@Nukie9
@Nukie9 Год назад
How to split a existing health insurance policy for parents... as premium charging based on their age.. my parents comes on a different age group with 10 years gap. Wants to know how to split and take a super top up individually.
@jafir8757
@jafir8757 Год назад
plzz post full video mam..thank you so much😍😍
@manpreetkaur-xd4ft
@manpreetkaur-xd4ft Год назад
Please make video to suggest best insurance policy for parents and other things to keep in mind while buying policy?
@vishaldsouza7532
@vishaldsouza7532 Год назад
I had corporate policy coverage for my mother without any waiting period and i used port option and converted that to a personal policy while quitting that organisation since my new employer was not covering parents. So all benefits continued.
@sriharshab2811
@sriharshab2811 Год назад
So, no waiting period when port option used?
@vishaldsouza7532
@vishaldsouza7532 Год назад
In my case it was since corporate policies always have pre-existing covered along with no waiting period
@DheerajKumar-ch1rg
@DheerajKumar-ch1rg Год назад
Do we need to approach Insurance company directly or Through employer?
@sharmisthapaul5800
@sharmisthapaul5800 Год назад
I am facing same problem, kindly let me know how to port?
@appu49
@appu49 Год назад
Corporate plans are not getting converted i had icici Lombard
@quasarscrew4302
@quasarscrew4302 Год назад
Interesting talk about Amazons LPT23X I suggest anyone to listen to the guy talking about it in the video. Personally I didn't think they would really do that but seems like the launch just happened and there are enough slots available, could be worth huh
@swamivivekananda-cyclonicm8781
Crisp. Clear.
@dipankarnath6030
@dipankarnath6030 Год назад
Please do a video on BCG shares which was bought & sold by investors on 5th & 6th December, which is still not delivered, and affecting 15000+ retail investors with no resolution so far.
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.
@RajkumarRaj-mp8ym
@RajkumarRaj-mp8ym Год назад
You forgot to mention that your policy is rechargable multiple times if you fully consume the cover amount of the year.
@dineshchainani6675
@dineshchainani6675 Год назад
Hi Rachna Mam. Is it possible to cover parents in a single policy apart from corporate plans? I am married and doing a business. Please help with this.
@thakurtimmy8624
@thakurtimmy8624 Год назад
Kubh dahnyabadh rachana ji👏👏✌✌👍👍
@ishwantsingh5291
@ishwantsingh5291 Год назад
Which insurance policy to take ? Still waiting ..
@minalkhedekar796
@minalkhedekar796 Год назад
Great HELPFUL information 🙏
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈🖕
@yashodaj7088
@yashodaj7088 Год назад
Thank you for providing informative video… could you kindly do the video on angel investing or investing in startup thru syndicate … ?
@sirishakuchibhotla
@sirishakuchibhotla Год назад
U released at right time.. now I needed it
@emirhanreis3212
@emirhanreis3212 Год назад
I usually lurk and never write but why wouldn't you be excited over Amazons AM2023?
@mia_bhai123
@mia_bhai123 Год назад
Which company policy will be best to cover most
@Varian_t
@Varian_t 7 месяцев назад
Can I take another health insurance even though my parents are covered under my corporate insurance?
@garimabhargav1800
@garimabhargav1800 11 месяцев назад
If canver develops later on, after taking policy, will the cost of treatment+ medication +chemo eberythinf gets covered?, Or only some part of it gets covered?
@1301rishabh
@1301rishabh 4 месяца назад
So thought of you to come up with this wonderful video.
@yogeshdarvankar7664
@yogeshdarvankar7664 Год назад
Please suggest a plan for parents 🙏
@Ak20231
@Ak20231 Год назад
Please tell about dental coverage also
@chinmayamayanale4435
@chinmayamayanale4435 Год назад
Ditto vs PolicyBazaar... Which is better?
@shantanumali621
@shantanumali621 Год назад
Thank you
@ranjancom2000
@ranjancom2000 8 месяцев назад
Is there any insurance after age 75 and which support for Diabetes Patient for buy medicine and insulin on monthly basis
@daamtyachalaadu
@daamtyachalaadu Год назад
I m 29 , last month I had a surgery. According to Pharmeasy Surgicare it was about to be covered under insurance but Aditya Birla denied stating it is cosmetic. Insurance denied twice and Pharmeasy Surgicare is not helping in any way. Not even answering calls. I have paid from my pocket to get discharged because it was more than two days for discharge and hospital bill was increasing, my parents were worrying at home so I had to pay and get discharge. Please guide me how can I get my money back. 🙏
@udbhavvikramsingh3449
@udbhavvikramsingh3449 5 месяцев назад
You should have also mentioned some insurance that covers all these points.
@Friend_forever_Pure
@Friend_forever_Pure 3 месяца назад
My father is about to 63 and my mother is about to 56 year of age... Can i take thier Medical insurance or Mediclaim. My father has got 2 major surgery of Fractures and my mother had 1 major surgery of womb.
@maheshm.s3055
@maheshm.s3055 Год назад
Thanks a lot for making this video
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.🖕
@wiznikhil
@wiznikhil Год назад
Thanks for the mention! 🙂
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.🖕
@subha6166
@subha6166 11 месяцев назад
My fathers age is 58 and he has no bp and diabetes. My mothers age is 55 and she has bp and diabetes. Kindly guide me how i select health insurance policy for them..
@bethasaikiran2288
@bethasaikiran2288 7 месяцев назад
Hello Rachana Firstly I appreciate your content and hardwork I have a doubt Till this year i had my parent insurance from my employer who has age 50+ Fee days back i dis enroll my parents insurance to take insurance from outside My parent has diabetes from few months Will it be covered if i take new insurance?
@amoljagdale8099
@amoljagdale8099 11 месяцев назад
I have corparate Policy ,In that policy my parents included..also I have personal policy for my family ND for my parents others Than corparte...my question is both policy can utilised at time of claim
@marketsinshort
@marketsinshort Год назад
Nice content, I thought I only make unique stock market knowledge videos.
@sheelaashok9008
@sheelaashok9008 Год назад
Thanks for the video. Can you please tell me about group medical floater insurance policy of the commercial banks
@sachinbagul9777
@sachinbagul9777 Год назад
How to explain a topic in the simplest way is a very good example through you madam pls keep it up.
@rupeshdeore4347
@rupeshdeore4347 Год назад
I have star health comprehensive plan for parent...
@tejasprakashjhaveri
@tejasprakashjhaveri Год назад
Can you please make a video on the Insurance Companies offering Health Insurance for senior citizens aged above 65?
@CARachanaRanade
@CARachanaRanade Год назад
You can check the same by contacting Ditto - link is in the description box of this video.
@kizilkayaenerji8982
@kizilkayaenerji8982 Год назад
I was sure last year would end badly for me but I think Amazons LPT23X is spot on with what they do and how they do it. Can't say for how long it's going to work and for sure it is overyhped right now but even for half a year or something it would be smart to ride the wave and then jump away eventually but the thing is why this is smart right now is because it's so cheap, won't ever find a better entry than now
@venkat7964
@venkat7964 Год назад
Hello Mam, I am staying in dubai since 4months I will stay here upto 2years and I may come back after 2 years and I don't have health insurance policy in india. Can I take new policy being in dubai because I may come back at any certain stage.please suggest whether I have to take new policy or not and my age is 39
@Neha_Swami.
@Neha_Swami. 7 месяцев назад
Could you please suggest few good insurance companies as well
@ankitanaik235
@ankitanaik235 Месяц назад
Health insurance, term insurance or life insurance which one we have to choose for our parents or us?
@virajbhosale1234
@virajbhosale1234 Год назад
Hello Please share investment option for retirement person age 60 , where they can investment money and get monthly or yearly interest
@msyarowiismail4582
@msyarowiismail4582 Год назад
It happened 2023: Amazons LPT23X is released guys, huge improvement and finally they made it
@krishna7862
@krishna7862 Год назад
Hi Rachana, I can't say enough about your content. You simply rock. The Research, Animation, and other members of your supporting team should also be appreciated. I am sure most of them are young and have a wonderful mentor to work with. In regard to corporate health insurance, I have a question. The downside is that health insurance is not available if you lose your job. In light of this, it is recommended to take out a separate health insurance policy outside of your job. Nevertheless, someone suggested you may be able to continue corporate health insurance after quitting, which would give you an opportunity to skip the waiting period, copays, and many other insurance options, especially for your parents. Could you please confirm if that is possible and if the registered dependants will have the same privilege to remain insured? What is the cost of the insurance in such circumstances, high or low?
@CARachanaRanade
@CARachanaRanade Год назад
You will have to check the same with your employer.
@dhanubly
@dhanubly Год назад
Hello Sir. Your corporate Policy may continue but it depends on the company and primuem will be higher side if the age more than 60. I don't think that they continue all the features as corporate Insurance cost will be higher side to the company compares to your normal Policy. As ma'am told that the corporate Policy covers everything from the day one is called tailor made Policy but there will be few limitations in the policy too.
@priyankabhalerao9492
@priyankabhalerao9492 Год назад
Mam, please make videos on government schemes I.e., NPS and atal pention yojna
@SayalRaza
@SayalRaza Год назад
Please give some promotion free top 3 kind of health insurance options for general public.
@namithakumar7024
@namithakumar7024 8 месяцев назад
How the age validation will be done by insurance company?
@mohammedhanif3843
@mohammedhanif3843 Месяц назад
I want to buy policy for my parents. Plz suggest which one is best
@shantakale4237
@shantakale4237 11 месяцев назад
Mam please make video on ACKO Platinum Health Plan
@DaFuqBoom12310
@DaFuqBoom12310 Год назад
Trade with technical analysis & invest with fundamental analysis 😍
@riyazahmedqureshi
@riyazahmedqureshi Год назад
You forgot to discuss one of the most important point consumables
@user-tq3xt8wf5d
@user-tq3xt8wf5d 24 дня назад
Please suggest a health insurance plan for senior citizens
@user-zq8rn3pc8j
@user-zq8rn3pc8j Год назад
We really need to talk about Amazons LPT23X I think it's going to make 2023 to be the best year of the entire 2000-range
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.
@surajbamankar3603
@surajbamankar3603 2 месяца назад
@rachna how did you add hindi audio track. It seems to be ai generated.. Can you please provide software name?
@sushantkamble3431
@sushantkamble3431 Год назад
They even don't have toll free number to connect
@behoshtalk5432
@behoshtalk5432 10 месяцев назад
i just want to know thus all policy covered cancer treatment or not , or if covered by company which word mention in policy for that...??????
@arunkumarbe
@arunkumarbe Год назад
Hi- My parents are covered under medical insurance by my employer but for less amount (only 2 lakhs). What will be the best top up plan for my parents
@bretlee14
@bretlee14 4 месяца назад
These health insurance companies increase premium for senior citizens during renewal, even if they don't claim. How do you address that? Is it normal if individual who cross age 65, 70 or 75 the premium almost doubles? Which raises the question how can people afford... What are your views?
@shriganeshdamle6330
@shriganeshdamle6330 Год назад
Good info
@asadaman2663
@asadaman2663 5 месяцев назад
What about the room ?
@harishbhingardive9290
@harishbhingardive9290 Год назад
Please suggest top 5 insurance company for parents health insurance
@kamalkumarjena
@kamalkumarjena Год назад
Is Tata AIG health is insurance is a good health policy please suggest me
@ibrahimongul8565
@ibrahimongul8565 Год назад
When stocks and common assets decrease 70-90% Amazons LPT23X is actually the counter to that. Hope you guys knew that already, if not you do now
@danikicosting1290
@danikicosting1290 Год назад
Thank u mm
@santhoshilla8416
@santhoshilla8416 3 месяца назад
Madam, please let me know on how to invest in foxconn, I could not any MF s with it.
@shimong385
@shimong385 7 месяцев назад
Hi madam i had brought star health insurance for my patents costing 48000 yr ,is it gud or their is any insurance that give waiting period money back coz for 4 yr no any chekup nothing plz guide.
@prakashthakwani1334
@prakashthakwani1334 Год назад
Hi mam, still awaiting for basics of stock market free video no 4/5/6/7. Which will help people for learning purpose.
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.
@CARachanaRanade
@CARachanaRanade Год назад
You can purchase the same from our website.
@aravindjo
@aravindjo Год назад
Pls explain about Tier 1 tier 2 different mam ?
@ikikanka65king69
@ikikanka65king69 Год назад
2023 is really turning the tables now that Amazons LPT23X hit the road. After all these years of barely reading anything good I was usually just shutting down any type of media as much as I can but this brings back good lights and it should give hope to some of you that no matter what is going on in the world at the end something good comes to surface
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.
@kapilagrawal1293
@kapilagrawal1293 Год назад
Good content.... but i have few questions in my mind that are combined for health and Term insurance- 1. The term insurance is taken by breadwinner of the family and if that person takes critical illness rider also still only that person of the family will be covered. Say his spouse/child/any other dependent get suffered from critical disease then this critical illness rider is of no use. Isn't it better to take critical illness rider with floater family health insurance so dependents also get benefitted. Another point is portability because the critical illness rider may not be available with other company term plan. 2. A person (say Raman) has annual income of 10 lacs and he is of 30 year old at the time of taking Term insurance with 1 crore cover amount for 30 year (i.e. his policy will expire when he attain age 60). He paid the premium on time every year and he dies at the age of 50. Now will company settle claim of 1 Crore rupees or they will calculate Human Life Value (i.e. based on the pending working life income) then accordingly they will settle reduced claim. I didn't find any clear illustration despite of reading many policy document. Can you answer or better to create a detailed video on this?
@CARachanaRanade
@CARachanaRanade Год назад
1 - We will try to cover the same in another video 2 - Insurance company will settle the amount of 1 crore. HLV is only a concept to know what amount of cover would be sufficient for the family. Further, please contact your financial advisor for more details.
@sachinrawat7070
@sachinrawat7070 Год назад
Plz make analysis video of varanium cloud ltd. Q3 result announced yesterday
@pnarcoskun2811
@pnarcoskun2811 Год назад
Word spreads really fast with LPT23X doesn't it?
@ashwinpck
@ashwinpck Год назад
Is it a good advice to have a separate health policy for family although we have a corporate health policy?
@digitallife5464
@digitallife5464 Год назад
yes it is definitely good to have a personal health policy apart from corporate policy
@abhinavsoni3395
@abhinavsoni3395 Год назад
Hello Rachna Ma'am I hope to become a CA like you and I wanted to know that from where you studied for charted accountancy?
@carachana4099
@carachana4099 Год назад
⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.
@kevalbambharoliya3764
@kevalbambharoliya3764 9 месяцев назад
Madam please make video on icici lombard 360 plan. Please
@rastgele9430
@rastgele9430 Год назад
What a statement, damn. So it's said that Amazons LPT23X is just about to launch and I think that will really change a lot of what was happening in the previous years, 2023 will shine yay
@nelsongraphics5154
@nelsongraphics5154 Год назад
Uu3883 9
@soumsgaming238
@soumsgaming238 9 месяцев назад
No Copay clause is mandatory
@surajpatil7171
@surajpatil7171 Год назад
oh, i took health insurance policy before watching this video, please let me know u the Manipacigna is good or not for health insurance parents.?
@CARachanaRanade
@CARachanaRanade Год назад
You can contact Ditto if you have issues with you current policy. The link is given in the description box.
@Aves0688
@Aves0688 Год назад
Health insurance most important knowdays india! less than 20 Co.... But in USA More than 5k insurance Co "Health is Wealth" As Per scenrio Ex. A Young age Less Premium Ex. B Mid age High Premium Ex. C&D Old age Waiting Period, Risk Factor. Diagnostic, Existence Diseases... Etc.. Health insurance awareness first ☝Priority
@Raj24301
@Raj24301 Год назад
मॅडम मराठी मध्ये सांगितले तर घर च्या ना पण सांगता येईल...
@GoodSoul2050
@GoodSoul2050 Год назад
I got a message from your social media team some 2 years back to invest in bit coins , I guess they even gave me link to invest….. thanks GOD I did not invest or else I would be finished by now
@CARachanaRanade
@CARachanaRanade Год назад
We do not give investment advise. If anyone is claiming to be us and giving advise, its a scam.
@GoodSoul2050
@GoodSoul2050 Год назад
@@CARachanaRanade I have screen shot of reply from your official RU-vid handle asking me to message on WhatsApp number …… come on ….. I am not here to deframe anyone so knowledgable as I have high regards for you Mam 🙏🙏🙏
@saikumarshridhar156
@saikumarshridhar156 Год назад
I have few questions on medical insurance 1.i have insurance with star since last 4 years i took it bcoz my mother is diabetic and there is waiting period of 4 yrs. Now I would like to Port to care insurance bcoz they don't have limit on No claim bonus unlike star has limit to 100%. If i port will they have another waiting period for pre existing disease? 2. For the existing insurance coverage IND money is providing 6x coverage thru care health charging some premium. Say i have insurance coverage with star for 4L and if I pay some premium IND money via care insurance providing 24L premium charging 2.5-3k premium. My question will they really provide the coverage with same benefits as star for existing policy?
@digeshdoshi1
@digeshdoshi1 Год назад
As o have been looking for my senior citizen parents I came across alot of companies with best plan , out of which only CARE HEALTH INSURANCE provide pre existing dease from day 1 but unfortunately I had got all bad reviews for Care health, niva Bupa and hdfc ergo. Can anyone suggest any health insurance company which provides pre existing dease and also bear the claim in real. Thank You 🙏
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