Hi Ma'am, Thanks for an detailed explanation. Kindly help me in resolving couple of below queries. 1. Will cases of Heart Attack/Heart Disease and Brain Stroke be covered if take the PED rider for Diabetes and Hypertension. Primarily the companies relate the same to the above mentioned PED conditions. Hence Please clarify. 2. Also, Regarding the Best Care plan, Can we only get reimbursement for medicines/diagnostics prescribed by Apollo Doctors. Will the prescription from any other registered medical practitioner hold good. Thanks and Regards, Naviyan
Hello Sir, Thanks for reaching out.Answering your queries below: 1. Yes, it will be covered 2. Yes, the medicines that were prescribed in the consultation with Apollo doctors on their panel as per policy. Thanks
Hi Gurleen, lovely backdrop, great presentation. I have one issue nagging me. Till date Smart+ Acute Care riders are only seen on website, but not on policy document pdf. Does that mean, company can deny claim later on? What does the customer have to hold the company to the terms offered under this rider?
Individual plan Lena hain. Best OPD plan cover ( Test, doctor fees, medicine) and latest dental treatment cost cashless facility . Including. Kon sa health insurance best hoga ? Waiting period kuch rehega kya ?
Hi Gurleen, lovely backdrop, great presentation. I have one issue nagging me. Till date Smart+ Acute Care riders are only seen on website, but not on policy document pdf. Does that mean, company can deny claim later on? What does the customer have to hold the company by as to the terms offered under the rider?
I tokk star health assure for my father- its coverage best among all sr citizen plan available with comparitive low price but for myself & wife I went for ManipqlCigna Prime
mam agar ye rider lete hai to ye hamesha ke liye policy me rakhna padega ya 3 saal baad hata sakte hai ? and kya main 3 saal baad policy dusri company me port karu to ye benifit continue hoga ya nahi? plz reply
Mam, Disease M Gold option में discount upto 20% कैसे ले सकते हैं, उसमें क्वार्टरली इन्वेस्टिगेशन तो है नही? क्या हम प्राइवेटली टेस्ट कर के कंपनी को send करना है?हर 3 महीने में या फिर at the time of renewal?
niva buba has Claim settlement ratio of 90% and Incurred Claim Ratio of 50.19%. Mam can you explain why ICR is low and is ICR important when choosing a health insurance policy?
Excellent presentation Ms Gurleen I had a couple of questions 1. Someone with a pre-existing disease like Epilepsy, will they will be able to obtain claim for settlement for hospitalizations arising from seizures after 3 years of holding the Reassure policy? 2. The provision for health check up is 500/lakh insured. I will buy a policy of 5 lakhs for my mom and dad. So will it be 2500 for my mom and 2500 for my dad or is it just a total of 2500?
Answering your questions below: 1. It will depend on the underwriting decision by the insurance company, usually if Epilespy is a PED, it comes under permanent exclusion and is not covered 2. 2500 total for both if it is a family floater policy
@@GurleenKaurTikku #1 It seems so unfair! Is this only for epilepsy? How can the govt allow insurance companies to do this?! How will the insured person know this is company underwriting decision? We would have already paid premium at time of buying policy online, no?
@@Anione111 If any illness got contracted after buying the policy, then it is not PED and claims will be paid as per terms and conditions of the policy if it is a PED, then one needs to disclose at the time of buying the policy and policy will be issued accordingly
@@GurleenKaurTikku I understand, but my problem is with companies making a PED an exclusion after declaration or in some cases even refusing to on board customer.
Hi Mam, While going through the document I see they mentioned we need to share the test report with them to get the discount so how we we share the report? like via post or email or they have any option on the app where we can upload test every quarter ?
Wow, i was just waiting for your this video after watching your short video about upcoming feature. I just can't wait to port my Care policy to Niva Bupa . I have recently ported my Mom's policy from Star to reassure this year. Her policy renewal is in Jan 23, can I opt these benefits for her.?
Hello ma'am I am searching a Health Insurance for my mother. My mother have diabetes with now she is taking insulin.. Which health insurance will be beneficial?
There are many plans available in the market specifically for diabetic patients. We need more of your mother's information to suggest a suitable plan. Please get in touch with us on WhatsApp/Call at 9650706699. 😊 Thank you
This video is all about Niva Bupa & for Navi Health insurance we always ask her people to do their own due diligence before buying any health insurance. We have made a few videos regarding Navi Health Insurance as well on our channel. You can check them out Thanks
I suppose loading will only be waived off if a person opts for disease management rider or now if a person declares that he/she is diabetic or has hypertension he has to take this rider? The price of rider is high compared to loading. But the day one covergae is an advantage though.
@@GurleenKaurTikku Thanks for the reply. I have one more query, can this rider be opted for kids below the age of 18? Considering Juveniles diabetes is becoming a concern now a days.
Thanks for the video, can we access acute care plan benefits through Apollo App (if yes, how we can link our policy to Apollo app)? or it is only available through calling to that toll free number?
If one has Hypertension and were to opt for the Smart Health + rider, i imagine there would not be any loading charges if everything else with the person is a good health. Would that be a correct assumption?
Hello Ma'am, Does the Day 1 coverage for Disease management rider literally mean day 1 (i.e Policy commencement date). In your video you say that the initial waiting waiting period is 30 days, So does that mean the 31st day and not the 1st day as mentioned in the Niva Bupa advertisements on internet. Also I would like to point out that in case of accidents the coverage starts from Day 1 i.e immediately from the commencement day. Therefore day 1 mentioned in the rider should also mean the commencement day as we cannot have 2 different meanings and criteria for the same sentence. Kindly clarify if my understanding is not correct.
So day 1 here is after the initial waiting period is over and will start from 31st day. And accidental emergency is covered from day 1 - no initial waiting period shall apply
@@GurleenKaurTikku Thank you Ma'am for your reply but Don't you think this should be clearly mentioned in the policy document that even for the disease management the 30 days of initial waiting period is applicable. I am really concerned as diseases related to hypertension & diabetes can be heart related and if there is an emergency in such case a person has to wait for 30 days (Is impossible) which does not serve the purpose of Rider. Isn't it false marketing on part of Niva Bupa?
the reality of this acute rider is much more different that what it seems. They claim to have tie up with Apollo24/7 but they are not connecting our calls to doctor available on Apollo 24/7 app. (neither to Apollo's own nor their partner doctors available on the app). I called the toll number you provided, they are just connecting to a general physician and that too not a one of our choice. I called at 1am 2 days back, at that time 2 Apollo hospital's general physicians were available (higher fees, more qualified) and 3 partner doctors (less fees, less qualified) but they told we cant connect u with either of the 5. we will connect u to another random physician we have partnered with ! so theres a lot more to the eyes than what it seems. Plus Apollo 24/7 app allows video consultations to any Dr. we want (physician ,specialist, super specialist), here in this rider just audio call to a random physician is available. Even if u ask for specialist like cardiologist, neurologist, ENT etc they tell we can connect u to only a physician only. Why! Why limitations when u have partnered with Apollo 24/7. that app doesnt have any such limitation. Useless rider. just a gimmick! 🙏
Good evening mam! I want to ask about the discount that it will offer. ReAssure plan is already giving 30% discount for staying healthy. How 20% discount of smart health will be covered.
That will be over and above the live healthy discount. There are certain parameters for Smart health discount, please refer the attached brochure in this video
Hi ma'am, Suppose waiting period of existing disease is 3 years , then i opted for the smarthealth+ rider and i did this for 3 consecutive years. But in the fourth consecutive year , do I need to take the rider? or pre-existing diseases will cover by default as i have completed 3 years waiting period.
It is your choice. Rider not only gives you early coverage but also other benefits like they help in managing the disease by regular health chekups and discounts. If you plan to remove the rider on 4th year, loading will be applicable which was waived off when you iopted for the rider
Mrs. Tikku kindly confirm any plan for bariatric surgery currently I m having star health policy YOUNG STAR plan due date is 10 Aug wen I buy this plan he confirm everything covered
What should the existing policy holders do? I have to renew my parents insurance this September. If its only for new customers, isn't this unfair to all the existing loyal policy holders?
1)Is this bupa insurance for appollo hospitals only? 2) Can I remove riden after certain period like after 1 year something? Because after 3 years of waiting period no need to choose Disease rider right?
@@GurleenKaurTikku ma'am is we can remove disease management rider after 3 years as after 3 years all pre existing disease will be cover or it is compulsory to take this rider on every continuous renewal for diabetes and hypertension.
1) the reality of this acute rider is much more different that what it seems. They claim to have tie up with Apollo24/7 but they are not connecting our calls to doctor available on Apollo 24/7 app. (neither to Apollo's own nor their partner doctors available on the app). I called the toll number you provided, they are just connecting to a general physician and that too not a one of our choice. I called at 1am 2 days back, at that time 2 Apollo hospital's general physicians were available (higher fees, more qualified) and 3 partner doctors (less fees, less qualified) but they told we cant connect u with either of the 5. we will connect u to another random physician we have partnered with ! so theres a lot more to the eyes than what it seems. Plus Apollo 24/7 app allows video consultations to any Dr. we want (physician ,specialist, super specialist), here in this rider just audio call to a random physician is available. Even if u ask for specialist like cardiologist, neurologist, ENT etc they tell we can connect u to only a physician only. Why! Why limitations when u have partnered with Apollo 24/7. that app doesnt have any such limitation. Useless rider. just a gimmick! 🙏
Hello, i was on anti anxiety meds and now rarely taking them. I called HDFC Ergo, they straight away denied any cover for me. I told them you can count as Pre existing disease but they still denied.
Ok what Abt acute care if a person buy a floater plan with with two adults and choose acute care option 5000 ( can a customer claim his amount of rupees 5000 in pharmacy and 5000/- in diagnostic tests both will ne reimbursed as u said or cashless by panel will this plan will cover doctors fees and except consultantion online from Apollo doctors
If any claim comes after 30days l, due to diabetic/hypertension * as customer taken disease management rider, so does the claim paid by the company, bcz as per rider waiting period is waived. Plz answer
Maam, I saw a 1cr niva bupa health insurance named "Max Sever" on policy bazar page but I didn't find it on official website, their is also difference in prises mentioned, is this kind of online platform trustworthy, can you enlightened me. I also saw some vedio on RU-vid about niva bupa fraud on cashless and reimbursement, is niva bupa a trustworthy brand ???
@@shrihan_shanmukh I know bro, but this policy is exclusive on policy bazaar not in niva bupa's official website. At least I can't find it on official niva bupa page.
@@GurleenKaurTikku Maam, can you review this plan on a dedicated video, specially uncovered and partially covered diseases and compare with Reassure plan. Maam, is Niva bupa is trustworthy in terms of Cashless & reimbursement feature ??? Please reply............
@@ritonghosh2368 Yes, it's just that you always need to disclose all your pre existing diseases honestly before buying the policy. Not disclosure of diseases is the main reason for claim rejection. To buy insurance policy, you can contact us on WhatsApp/Call at 9650706699 Thanks
Ma'am is their any policy available in market which covers diabetic patients taking insulin medications? ... Niva Bupa does not cover diabetic patients on insulin
Hello mam I am 23 years old want to buy a individual health policy with OPD benefits & also not high in premium Plz suggest some Bazaz allianz or this or manipal which is good for me
Madam, my dad age is 61 nd he is having diabetis nd my mom age is 46.Im confused in two companies.one is HDFC Ergo nd second one is Niva Bupa. which one should i go for health insurance for my parents.plz sugggest me madm.
Harish jee, depends on their medical history and features your are looking for in the policy- whether coverage from day1 for diabetes You may get in touch with our team , they can assist you hareepatti.com/contact-us/
Mam agent told me that you can add disease management rider only if you have both disease hypertension and diabetes. But if you have only hypertension then this rider will be not available. Is it true
Hi ma'am, I want to take a plan for my father(59)and mother(55). Father has Rheumatoid arthritis and mother has hypertension. I want to take niva bupa max saver plan with 10+90 lakhs. My budget for premium is 30,000 Rs/year. Please guide me .
@@GurleenKaurTikku Thanks for your response ma'am. Can you suggest me a policy for my father? Should I take 2 different plans for father and mother separately?
Hi Mam, i opted this rider for first three years for diabetes,if i not added this from 4th year onwards during renewal whether fresh 36 months waiting period will be apply for diabetes? Or not? .kindly reply
Agar mera age abhi 25 hai toh mujhe disease management rider nhi chahiye abhi. Lekin after 40 yrs of age mujhe jarurat pad shakti hai. Toh uss time pe rider add kar shakte hai renewal ke time pe ?
the reality of this acute rider is much more different that what it seems. They claim to have tie up with Apollo24/7 but they are not connecting our calls to doctor available on Apollo 24/7 app. (neither to Apollo's own nor their partner doctors available on the app). I called the toll number you provided, they are just connecting to a general physician and that too not a one of our choice. I called at 1am 2 days back, at that time 2 Apollo hospital's general physicians were available (higher fees, more qualified) and 3 partner doctors (less fees, less qualified) but they told we cant connect u with either of the 5. we will connect u to another random physician we have partnered with ! so theres a lot more to the eyes than what it seems. Plus Apollo 24/7 app allows video consultations to any Dr. we want (physician ,specialist, super specialist), here in this rider just audio call to a random physician is available. Even if u ask for specialist like cardiologist, neurologist, ENT etc they tell we can connect u to only a physician only. Why! Why limitations when u have partnered with Apollo 24/7. that app doesnt have any such limitation. Useless rider. just a gimmick! 🙏
@@navneet2649 very true- actually all private insurers adding some or the other features in the name of OPD benefit.. They are hardly beneficial.. How can ENT teleconsultation will remove ear wax? How my unknown fever will be checked by teleconsultation? These are all marketing gimmick.. Pls don't buy health insurance based such OPD features its not real what compnay shows, just see normal hospitalization features, whichever seems good for you take it & always keep extra cash which wouldb help in OPD cases
Great video, thank you. I want to buy Reassure for my parents (Father 64, Mother 59). What would you recommend - 1 floater for both? Or 2 separate policies for them? And why? Thanks
Health recharge plan which is a super top up also has unlimited teleconsultations. Is it different from acute consult rider that's available in ReAssure?
We have a video on this channel as well. Please check these links : ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-nkV0FIquK-Y.html ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-0p2EVlTVP8Y.html Thank you
Hi u told this company is good.. i took their insurance..reassure with super top up.. now if i email them the reply comes in 8 to 10 days.. can see spate of complaints against the company in twitter.. i ported from Bajaj.. now m worried if this company is actually good.. Bajaj is excellent in service.. i took plan via PB
Acute Rider approx cost = Rs 2000 (base plan w/o meds and diagnostic) and Rs 4000 (with meds and diagnostic tests) for a 30 yrs old 1 time consultation fees of any specialist/super specialist on Apollo 24/7 app = Rs 1500 to Rs 2500! Does anyone think Niva or anyone else can ever provide what it promises (unlimited consultations 24/7) . Its just a gimmick! Apply common sense pls! 🙏
