HDFC ERGO Optima Secure vs Care Supreme vs Niva Bupa ReAssure 2.0 | Best Health Plan 2024 

Kyu sirf English bolne waale hi insurance lete hai hindi mai video banao rather than make it mutli lingual language

At 16:48 is it % of complaints as shown on y-axis or complaints for every 10,000 claims? If a company is getting as high as 30-40% complaints it shouldn't even exist and don't think IRDAI will allow such high complaint ratio? If it's complaints for every 10,000 claims, showing as % is extremely misleading and misselling.

Glad you liked it!

Thank you so much for the support!

Hey! Please reach out to us for more details. Book a call- bit.ly/4787WoW

Is it so? R u sure? Coz I heard we can even take a suite room as there is no capping?

@@yshah84 I took suite room but it was not covered in cashless. TPA suggested to pay in full and claim reimbursement later. I did the same and got reimbursement of about 98% of my bill. Suit room (20k per day) bill was fully reimbursed but HDFC will not allow the same in cashless claims.

@@AdityaKumar-dh7rd why 2% cut as hdfc covers 100% amount?

@@AdityaKumar-dh7rd which hospital? any big prominent hospital in the city?

@@yshah84cost of some consumables like thermometer are not covereded (as per IRDAI notification).

Yes, you can but it depends on the underwriting. Please feel free to reach out to our advisors for a better understanding. Book a call now. Link in the description.

Thanks for the support! 🙌

Hey! We've launched review of Max Life Smart Secure Plus on our channel- ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-G3P9hVTvW-I.html

Hi, Please reach out to our advisors and who can address your queries bit.ly/3SD8CwU

Health and general insurance company Ltd

Capping and hidden conditions

Good catch. Also another drawback of plans from Care for senior citizens is there is a high copay of 50 %

Really ?? I think any insurance plan will cover network hospitals in the entire nation I don't know care supreme cover only zone wise

Nursing and physiotherapy expenses are covered by the insurer under post hospitalisation provided it is part of the hospitalisation.

@@dittoinsurance which insurance provider provides this and under which insurance plan is this covered ?

U hv to

Yes I hold this policy for me and my wife. It's worth having . It covers OPD and Diagnosis equal to the premium paid individually. Means , if you pay 10k, you can use 20k (10 for OPD and 10 for Diagnosis)

@@irfansinsight9883 what is the policy name in bajaj alainz brother ?

Hopefully not...

Yes but it's not much of an issue, you just need to contact them and state your requirement correctly and they'll do it in a few days.

But it will be a problem right when I have contracted any diseases post the policy was issued. will it increase my premium

Hey! If there is any past medical history, in such cases there would be some underwriting & based on that, they'd decide.

Same question here

To get your query answered, please feel free to book a call with us. Link in the description.

It is best to declare your medical conditions & PEDs while purchasing policy to avoid claim rejection or even termination of plan.

Hi there, We understand your situation. Since your policy has expired and you’re currently in the grace period, changing your insurance might lead to a loss of benefits. We recommend staying with your current insurance policy during this period and getting it ported 2 months before expiry when the window opens. However, if you’d like to discuss this further, we’d be happy to assist you with a quick call today.

Lelo...jab claim ayega to policy cancel kr denge..

Glad it was helpful!

So what did you decide

@@bijaykumarmajhi8624 Optima Secure

Sir can you plz guide which one should I buy... I'm confused between reassure2. 0 , aspire and optima secure?

Hospitals.

​@@AR-82😂😂😂

On it

I had similar experience

What are you trying to say here brother ?

Which one did you choose?

@@narendrag9553 HDFC Ergo

Star health ​@@narendrag9553

Yes,you can.

star red carpet

Here are some 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+) Let me know if you have any more questions. - Ritik Madan, Cofounder, Simple Insure

Hey! You can choose Care Supreme if you like. However, getting claims settled if you're a ditto customer is easier. So, if you'd like any help in getting your plan, we're here to help you free of cost Just book a call with us- bit.ly/4787WoW

Because manipal Cigna health insurance company don't give hefty commission to the brokers. That's why they don't give recommendations or talk manipal Cigna.

It's in our pipeline

@@dittoinsurance thanks, let's hope it is available soon. Also include the information regarding the riders available like OPD which makes the policy complete.

Noted. On it.

Hey! Critical illnesses like cancer are hard to deal with. Granted, your medical bills will be taken care of if you have an extremely comprehensive health insurance policy. But once diagnosed with a debilitating disease, you’ll be forced to take a break. You won’t be able to go to work. And your family will have to make do without your income. But if you opt for a critical illness benefit, things won’t have to be this grim. In the event, you are diagnosed with a critical illness, the insurer will pay out a portion of your term cover in cash to help you tide this crisis. It could be 10 lakhs. It could be 50 lakhs. It could be 1 Crore. All you have to do is choose the amount when opting for the benefit and you can use this money to replace your lost income if you are ever diagnosed with a critical illness. A critical illness rider will make your life so much easier. But remember - most policies will pay out the corpus from your sum insured. And your term cover will reduce by an equal amount.

Can you please share a little more ? I have also bought niva Bupa But seeing this video got tensed

We're glad we could help you :)

Why?

@@GREEKWALLAH They need each document repeatedly and also cross verify the same in case of accidental claim also.

i think these can be deferred

You claim proportionately for each year.

You can claim proportionate for each year. Some companies give the break up in their Tax invoice

Coming soon..... Preparation on the way silently

very true.

Hello, I'm 26 yo and struggling to find an answer. Let's say I cross my 60 years and then no one is there to give me any health insurance. Then how can I secure myself at that time? Because no insurer offers policies after 65 years

@@vishalkokate7345 several insurers provide policy even after age 65. Care health available upto age 100, Manipal Cigna provides, Niva Bupa Health Companion available upto age 100.

​@@vishalkokate7345get psu bank Group insurance cover as premiums are sky high post 65

​@@vishalkokate7345 It's always better if you buy a policy now. iRDAI has a rule that no claims must be rejected if the policy is paid continuously for more than 8 years. It's an advantage. Since you are young, buy a policy now and hopefully there will be no claims for 8years and you will be safe after that. It's not a good idea to buy a policy nearing age 60.

@@vishalkokate7345buy policy early, confirm with insurer that there will be no capping after 60yr

We have covered Lombard on our channel- ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-0EJI00BQqCA.htmlsi=-sOanYl__6ISSTT7

dont change

why niva bupa has so many complains.The worst insurance

You can get your plan ported. Reach out to us if you'd like our help- bit.ly/4787WoW

Divided by Hindi Telugu, united by English😂😂 (I'm from Delhi)

Divided by native language, United by a colonial foreign language

@@SurinderKumar-xt8gcHindi came from outside

​@@SurinderKumar-xt8gcdivided by language United by colonial app

​@@DivakarRaj😂😂

you can make out from the use of Brand colors in the video

No niva is great

Yes it is true

We hear you :) The video is in our pipeline. Stay tuned!

Could you please tell us more about

Why??

@GREEKWALLAH they have room rent problems with many hospitals. In thiruvananthapuram City, two major hospitals paused HDFC, and they were still on the HDFC network hospitals list. In those hospitals, we will get only reimbursement

@@paperdragon48 oh ok