Health insurance for yourself | Ankur Warikoo Hindi Video- Choosing the best Health Insurance Policy

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Should you buy health insurance if you are healthy?
If you’re young and have no chances of critical illness?
How to decide your insurance based on the basic principle of insurance?
We’ll explore all this, in Part 4 of the 6-video series: “The Complete Guide to Buying Insurance”
To download the notes for this video, please click - bit.ly/3shxSv1
To browse through Term life insurance plans on PolicyBazaar, please click - bit.ly/3eHkZrk
To browse through health insurance plans on PolicyBazaar, please click bit.ly/3dgKQmH
In Part 1, 2, and 3, we covered
Basics of Insurance: • Basics of Insurance | ... ,
Understanding Life Insurance: • Understanding Life Ins... ;
and
Health insurance for your Parents: • NEVER buy the same Hea...
In this video we will talk about the right age to buy health insurance, why it should NOT be linked to your parents’ insurance policy and also, all the parameters you should consider while buying health insurance.
Also, do you even need it if you have a corporate plan already?
We will also walk through a step-by-step process of buying it on www.policybazaar.com/ so that you know how smooth and effortless it is!
If you have any other questions, feel free to pop them up in the comments section below.
The Complete Guide to Buying Insurance is in association with PolicyBazaar.com as my knowledge partner.
#warikoo #healthinsurance #policybazaar
Click here to subscribe to my RU-vid channel: shorturl.at/bizNX
------------------------------------------------------------------------------------------------------------------
Ankur Warikoo is an entrepreneur, an angel investor, a mentor and an active public speaker.
For the past 4 years, Warikoo has been actively sharing content on RU-vid, LinkedIn, Instagram, Facebook and Twitter amassing a following of 3Mn+ people.
He posts 3 Hindi and English videos every week on his RU-vid channel, where he talks about entrepreneurship, how to grow in life, personal finance and failure.
Warikoo started his entrepreneurial journey in 2008. His most recent startup is nearbuy.com where he was the founder and CEO from 2015 until 2019.
Prior to that, Ankur started Groupon’s India business in 2011 and acted as the Country CEO from 2011-15, and Head of Groupon APAC from 2013-15.
An alumnus of the Indian School of Business, Ankur is an active Angel investor and mentor to several startups.
Ankur has been part of Fortune Magazine’s 40 under 40 List for India, LinkedIn India’s PowerProfiles List, LinkedIn India’s Spotlight List and India’s Top Executives under 40 list.
--------------------------------------------------------------------------------------------------------------------------
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙️ Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽️ Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
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Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Let’s connect online:
🎙️ My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoq...
📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/
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🖋️ Daily Blog: ankurwarikoo.com/blog/

Опубликовано:

29 июн 2024

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Комментарии : 695

@warikoo 2 года назад

The Complete Guide to Buying Insurance is in association with PolicyBazaar.com as my knowledge partner. To download the notes for this video, please click - bit.ly/3shxSv1 To browse through Term life insurance plans on PolicyBazaar, please click - bit.ly/3wJiY20 To browse through health insurance plans on PolicyBazaar, please click bit.ly/3dgKQmH

@secretboy6341 2 года назад

Sir kya health insurance 60yrs ka baad bhi rahta ha ki terminate ho jata ha

@Kunj1710 2 года назад

Not convinced with your point about ki parents ka issuance alag hona chahie 'cause premium me only 8k difference

@aditya_kanu 2 года назад

Can I start at 19 and then add people whenever necessary

@johnnmarshal8231 2 года назад

Sir, I guess you should also aware people about top-up insurance plan That means let's suppose "X" can bare the expenses of hospitalisation up to "RS 180000" but if the bill is more from this he wants a health insurance so he can go for a top-up health-insurance that means if his insurance is for upto "RS 2000000" so the insurance will look after him for the expenses "1.8L to 20L" this will make the cost of health insurance premium go down to almost nothing.Bcz health insurance companies charge on the low amount settlements.

@johnnmarshal8231 2 года назад

@@Kunj1710Bhai premium me 8000 ka difference mtlb (8000*12months=RS 108000)

@Nir_Akar 2 года назад

I first press the like button and then continue watching, because I know that ankur Sir's Videos are always amazing

@sangeethagannavarapu8285 2 года назад

Thankyou Ankur for educating every one on the important topics. My family is one of them who lost all savings and investments due to unplanned extended hospitalization. It is also important to keep in mind certain things which helps while claiming the benefits. Example knowing the policy window is very important as some times one may need extended hospitalization or more amount is required than actual cover. If the hospitalization spans to policies year windows, both years sum assured can be claimed in the single hospitalization with cashless in that case. AND Also if any one has more than one policy , they can see which policy window is ending soon will be renewed so that claim that first. Choosing higher room rent than allowed amount might increase the over all bill on pro ratio not just the room rent.

@vinitashukla9667 2 года назад

Hi Ankur, You are truly a mentor to me..thanks for amazing videos on all the important topics ..your videos are so clear n precise and it has made me more aware on personal finance. Also you are so humble. Thanks for sharing .😇😇😇 I m constantly learning from you and hope that I too spread more knowledge n positivity like you do.😁

@Garg478 2 года назад

Hey Ankur, you know, you give me all these tips and knowledge and I go tell them to my father but somehow he knows it all. I'm waiting for the day when you teach something new to my father. 😋

@ashwintantri 2 года назад

Baap baap hota hai😎😉

@Garg478 2 года назад

@@ashwintantri hahaha true that

@Garg478 2 года назад

@ROBUST sadly no!

@VikramSingh-ds3ij 2 года назад

Baap ko seekhao achi baat h bt pehle khud to seekha

@Garg478 2 года назад

@@VikramSingh-ds3ij Yea dude. He teaches us so much. I just made a comment that I wish one day I get to learn something so new which even my dad gets to learn from his experiences.

@NYHPEXPLORATIONS 2 года назад

Sir aap world ke best teacher ho.. Aap Bahot hee achhe tarike se sab cheeze explain karte ho...

@abhilasha5428 2 года назад

A big Thank you! For making my life so much easier ! ❤️

@swapnachavan5746 2 года назад

What an amazing detailing regarding the subject. Thank you so much Ankur. I get the answers for all my questions through your video. 😊. All the very best.

@madhumitachaudhary6270 2 года назад

You have become my mentor :) Thanks for all the wonderful content

@albertishu9066 2 года назад

Thank you for this comprehensive video ... this was very important for everyone ❤️

@prashantkhade8492 2 года назад

One thing that is missing in this video is "No room rent limit". Make sure you click on that while checking policies.

@funkyjuggler 2 года назад

Hi. I think the cover of about 5 lakh u are suggesting is too less for a person. Insurance needs to kick in when a person lands up in Icu and a week's stay in ICU would definitely cost you 10 lakh atleast. Being a doctor I would always want to have cover when u really need it. I have seen people go mad and fighting with doctors once their cover finishes and there is possibility of longer stay. So I would really suggest atleast a cover of 10-15 lakh for a middle income group if you really wanna feel secure or else keep emergency fund ready if the cost increases.

@prashantkhade8492 2 года назад

Exactly. Upto 5 lakhs people maybe manage by their own by asking to their friends and families. The main importance of health insurance is when someone gets big diseases like Cancer, Covid, Heart issues, transplant.

@architamotadoo3853 2 года назад

So knowledgeable, thank you!

@vishwajeetjha56 2 года назад

Good friends, good books, and a sleepy conscience: this is the ideal life. 👍🏿👍🏿👍🏿

@Pradeepkumar-fw9nk 2 года назад

One video i had watches and these were the key takeaway and checklist in health insurance. Health Insurance:No room rent cap, if it's there than other charges should not be linked to that. pre & post hospitlization: Daycare Coverage Waiting Period: 1. Floter or individual 2. Private or Government 3. Base cover+ super topup 4. Room rent 5. Sub-limit 6. Copay 7. Zonal vs Pan India 8. Pre & Post Hospitalizarion 9. Daycare Coverage 10. Cosmetic treatment 11. Waiting Period 12. No Claim Bonus 13.Cashless Hospital 14. Ambulance Charges 15. Free Health Checkup

@prathamsharmaa27 2 года назад

Thanks for this great video sir 😊 It really help a lot

@Gandhilgvg 2 года назад

Thank god, i got this done in 2008 and it is helping me immensely…. New India Life Assurance company is a good choice as per me.

@zameerfouzan 2 года назад

i am yet to check, but do they cover existing illness? (for parents)

@architafiberart 2 года назад

Ankur is teaching and sharing knowledge on important things that I wish were a part of the education curriculum in institutions. Great information 👍🏻

@user-bq3jy6gp1o 2 года назад

♥️FEEDBACK APPRECIATED kindly reach out to the what’sapp line above for consultation and investment purposes

@kajalverma1972 2 года назад

Thank you for uploading this video's 🙏

@pavandixit3157 Год назад

That's a Great and Authentic Information U had given , Thank you sir for bringing this Awareness for before buying insurance.

@apurvadey4304 2 года назад

Thanks for this video sir! It was so helpful.

@saurabhkatiyar7670 4 месяца назад

Thanks Ankur Ji for sharing valuable information

@riath7495 2 года назад

Thanks a bunch for this, I needed this as I was inquiring about the insurances. 🙏👍👍

@antitoxin4731 2 года назад

Me 2 👍

@sonivvk 2 года назад

If you're from tier-2 or tier-3 cities, checking their network hospitals is also an important consideration.

@charanjeevsingh1324 2 года назад

Many thanks for elaborating & sharing.

@bhabaninayak2568 2 года назад

Sir One thing I disagree with u that Coverage must be on the basis of Future not present and it's must be 15 to 20 lakhs minimum for age upto 45 years

@pankajhind4323 2 года назад

Sar ji namaskar 🙏💐 Thank you for suggestion you.... sir ji Nice information.

@rajuds._ 3 месяца назад

Thanks for this amazing knowledge Ankur

@Aakash.Bhardwaj 2 года назад

Thanks ankur sir for such information. You have saved many people by made us understand about cashless claims information. One agent asked me to go with XYZ company and as I was aware that first I should check that is that company covers me with cashless claims then I found that, that company has only limited hospitals list. So I rejected that offer and told that agent to not recommend such company where a customer might face issues in future. Thanks for making us so knowledgeable sir. I truly respect your efforts 👌

@aks214ash 2 года назад

what does cashless claim means? is that like we don't have to pay anything, the bill will go directly to insurance company?

@mr.unknowngaming7156 2 года назад

Thanks so much, I just bought Health insurance for my parents today with the help of policy bazaar agent, the experience was so smooth and the agent who helped us was so professional and nice to talk to. You encouraged me to think about buying an insurance for my parents which I may not have thought of otherwise, at least for some time. Cheers and you continue doing this amazing work!

@NoOne-dv3gh 2 года назад

This video is actually an additional information to health insurance video by Mandeep (labour law advisor)

@debashritmishra2493 2 года назад

I feel the video theory was excellent. But could you make a video detailing what all to look for while browsing policy bazar. Essentially what you did in the last part(browsing through policy bazar) just in a more elaborate and structured manner. Excellent video as always.

@sumaiyaahmad5153 2 года назад

Just planning to buy a health insurance n ur video showed up 😄

@rajalakshmip751 2 года назад

In a health insurance, you could also consider super top-up policy a.k.a. high deductible policy.........in case you have any doubts you could watch a video made by Sandeep Maheshwari "Before you invest......watch this video", truly worth watching it. By the way how many of you know Sandeep Maheshwari!

@magnetbar6671 2 года назад

Sir can you please make another brief video in sequel of this insurance topic with a topic of :-HOW can one use better use of health insurance without never gets hospitalised by utilising its OPD benefits/AYUSH TREATMENTS? Regards 🙏🏻

@shwetadesai9672 2 года назад

I was waiting for this 🤩🤩🤩

@vishwajeetjha56 2 года назад

The love of money is the root of all evil." The lack of money is the root of all evil. Robert Kiyosaki 👍🏿👍🏿👍🏿

@NilASH77 2 года назад

Sir, i was also thinking abt to stop my health insurance, coz I also have corporate plan....thanks a lot for ur guidance.

@goyalpankaj237 2 года назад

Really good inputs on health insurance. You should also talk about group health insurance policies (e.g. HDFC Bank Customers) where premiums are much lesser than retail plans.

@kumarsaurabh3799 2 года назад

Can you tell me how I can go for HDFC bank Customers.

@itsmanasK Год назад

Hey could you pls explain in detail about this?

@utsabbanerjee7577 2 года назад

Was waiting for this video like forever, told the same to Policybazar folks as well and they got offended :P :P

@ankitachopra3028 2 года назад

Amazing ❤️

@Aditya-76 2 года назад

Great video again...

@vikramvaishnav22 2 года назад

Hi Ankur, Great work. Just one correction Now Corporate plan can be converted into an Individual plan at the time of leaving the company with the same benefits which are provided by the Corporate plan.

@kumarsaurabh3799 2 года назад

Great piece of information.

@praveenmandala520 2 года назад

Epic content sir ❤️

@anirudhkanaujia 2 года назад

Ankur, could you please try creating a video on job change, salary negotiations, and what to look for in offer letters? just a thought.. :) Thanks.

@amitsaipatnaik5787 Год назад

thank you soo much for this video sir

@puspiputu 2 года назад

Great Guidance

@sm8740 2 года назад

Very succinctly explained. Can you please explain about financial planning and having a good baby plan, child plan? Also if recently pregnant, then good baby health plan or child plan?

@vishwajeetjha56 2 года назад

Outside of a dog, a book is man's best friend. Inside of a dog it's too dark to read. 👍🏿👍🏿👍🏿👍🏿

@shankarnsangeet1588 2 года назад

Your explanations are simple and genuine to take decisions......pl keep it up & continue such services in your videos.

@user-bq3jy6gp1o 2 года назад

♥️FEEDBACK APPRECIATED kindly reach out to the what’sapp line above for consultation and investment purposes

@neenabansal8059 2 года назад

Most informative and perfect guide to buy health insurance 👏🙏👍

@ashrithags3757 2 года назад

Hi Ankush I really love the content of you videos. Can you also explain what life insurance, health insurance, term insurance?

@iamnoob7593 Месяц назад

thanks ankur warikoo sir

@anuragmathur1619 2 года назад

@Ankur Finally the wait is over.... Ankur I'm pwd person with cerebal palsy, can tell how I can take care my suitation all though this is not an active issue and more treatment is required for now. But how do I include my current suitation with any health insurance plan.

@rtek6531 2 года назад

Thank you very very much sir You always give a hope to regain my interest and confidence in studies and life I am 28 but i have lost interest in studies, forgotten all knowledge, don't know what to do, no job, fear or losing everything, distracted, failed so many time in CA final exam(attempting finals since 2016), no confidence. I was a very good student before my finals, focused What should i do to get back my confidence and interest?

@LEARNINGTECHNVLOG 2 года назад

Bro you can start a youtube channel on the base of your own knowledge.

@archieb1196 Год назад

Find out the reason of losing interest so that it will be easy to eradicate or tackle with

@shailjalavania7572 2 года назад

Thank you sir ❤️

@loveself4948 2 года назад

As u mentioned I have realized only when my father was hospitalized for surgery. I have paid a whopping amount as hospital bills. It's never late though, I have immediately brought health care insurance for the whole family. In India, we don't have education/discussions on these issues.

@varshavaghani9167 10 месяцев назад

Which one did you buy

@loveself4948 10 месяцев назад

@@varshavaghani9167 hdfc ergo

@Cmlr132011 Год назад

I´ve been confused all the video due to the hinglish xd. But overall, nice information, very useful.

@imdadurrahman6928 2 года назад

Thank you sir

@ganeshnagre9478 2 года назад

I'm so much berozgaar I comment in 2 minutes ❤️!😅

@tanmayraj93 2 года назад

Hye Ankur ,1 video on super-top up (high deductible) policy also .It has a lot of grey areas.

@priyasharma-ui2dk 2 года назад

Wonderful information sir... acc to tym we all really need to know this. My question is like ese kon kon se criteria h jis basis par hamko health insurance benefit nai milta...??? We have insurance nd everything is fine but when it comes to claim kuch na kuch reason bolkar company claim nai dete... so kya points h jo always we should check.

@sandipkarmakar2720 2 года назад

I have some questions. 1st:- if some have any medical illnesses in it's young age, then how they manage or buy a perfect health insurance for them. 2nd:- Right now if anyone is unmarried and after few years he/ she gets married, then how do they add their spouses? I mean what's the process to add them??

@lambdaplex 2 года назад

One more point when switching company and if your partner is pregnant and not have other insurance check with other company insurance terms because most will not cover delivery in case of new joiners.

@akashdas3003 2 года назад

You are an asset

@user-bq3jy6gp1o 2 года назад

♥️FEEDBACK APPRECIATED kindly reach out to the what’sapp line above for consultation and investment purposes

@anjankumarmj01 2 года назад

Please help me know whether I need to go for a top up plan on my existing insurance for my parents. For example: I have a floater policy of cover 5 lakh for my parents, premium 20k per year. Do I need to opt for top up from the different/same insurance provider which covers the extra expense if any after 5 lakh by paying little extra on my existing emi. What's your opinion on this? A video on this will be much helpful. And thanks a lot for making such educational videos.

@cadineshsharma4002 2 года назад

Great work ankur

@user-bq3jy6gp1o 2 года назад

♥️FEEDBACK APPRECIATED kindly reach out to the what’sapp line above for consultation and investment purposes

@devendermehta6671 2 года назад

You spoke flawlessly asusual. My question is that My job is transferable and I have to move after 4-5 years from one state to another. So could you please suggest one or two companies which provides maximum no of cashless hospitals.

@thisisabhisingh 2 года назад

Deja wu video

@sompathak2943 2 года назад

Thanks man

@gjadeja 2 года назад

Hi, thanks for the informative video....Have a health insurance since 15 years (i am 40)....is it better to have a group floater insurance or individual insurance for each family member?? Also does insurance premium increase after you cross 40??

@jeeveshopp2794 Год назад

Good 👍

@rohanmukherjee7528 2 года назад

Thank you

@shanm4629 2 года назад

Thanks for the great information. Can we know what is insurance you have taken for yourself?

@kansalsonu8393 2 года назад

Hey Ankur, This is same kind of content, which you had already posted. Pls try to make contents on : ITR filings, Taxes/charges on stock market trading.

@Sweetfamily511 2 года назад

Nice video

@yashaggarwal6791 2 года назад

Sir, please Make a video on nbfc and their products .

@curiouspreetam 2 года назад

What are your crypto holdings and how long will you hold them?

@aditya-garg 2 года назад

Amazing video but disagree wit first point, the premium solely depends on age and is independent of holding longer insurance from past.

@piyush27srivastava 2 года назад

Please make video on life term insurance also

@kiranmungekar8918 2 года назад

Hi Ankur, Love your content. I would like to your views on Postal Life Insurance. is it good to buy PLI?

@4991rajat 2 года назад

Two questions: 1) benefits and loss in buying separate and combined health insurance in form of risk cover and premium for me and my wife 2) what if policy is covering me from last 3 years and and after marriage within 1 year wife gets pregnent will it be covered in insurance and(she was added 1 year before pregnancy) And very thank you for your guidance

@akshaypawar8754 2 года назад

If your plan covers pregnancy exp n waiting period for pregnancy is 12 months then u will get benifit of it.

@pratikdoshi463 2 года назад

One important point is portability of insurance. need some info on that

@aditya_samudra 2 года назад

Try to go for restoration benefits over top-up policy

@Chotkalalu 2 года назад

@Ankur - thank you for the wonderful video. Any inputs on Top ups and are they recommended considering health expenses are rising all the time ! your recommendation of 2.5 lacs per adult may appear a bit low

@atulkhatri29 2 года назад

Please make video on super top up plan which gives more cover at less premium.

@sahilchamp 2 года назад

Hi Ankur, Thanks for creating this video. Can we also combine two Term insurance plans too?

@baddude9808 Год назад

yes u can,, but it wll be more expensive than just increasing the cover of single term plan

@LalluRam-to2dp Год назад

Sir, make the video on the how to buy an annuity from the insurance company ?

@Freezeenfry 2 года назад

Hi Mr Warikoo Help us to know which health insurance you already purchase so it will helpful for us to do further study

@chakrabortyarjun6 Год назад

Hello Ankur, thanks for the explanation, my question is how long one has to pay the amount monthly.? I am 26 years old I am planning to buy insurance, this information will really help me. Thanks.

@jagdishjunjur 2 года назад

HI Warikoo, Can you please explore this kind of plan and help us to understand is it really worth investing in? absli child future assured plan - Pay 1 Lack annum every year up to 12 years and after 14 years (total 26 years) you get 33,75,528.

@vijaydhakate2525 2 года назад

Tata AIA and hdfc life....both is good plan...

@theCMKgroups 2 года назад

Super top up health insurance per full video 🙏🙏

@abhi0234 2 года назад

Sorry but I think you should cover perpetual health insurance also like ICICI Health saver which have fixed premiums till 75 yrs of age and certain portion of your premium goes towards investment. There is one LIC plan also with the same features..

@SuperAmit1122 2 года назад

Hi Ankur , In which catagory wellness treatment be identified . Say these days we need some wellness treatment for 5-6 days for Ayurvedic med. Will it come under ayush ?

@412sahil 2 года назад

Hello sir ek video term life insurance pr bhi banao

@sougatapal7040 2 года назад

Please explain more about Super topup plan

@saumasaha7431 2 года назад

Sir can you make a video on this topic ELSS, PPF, and NPS

@Harsh10111 2 года назад

Bajaj health is covering wellness benefits also it means we'll cover any little illness medical expenses if you fall it. You don't have to be hospitalized for it.