Health insurance ke alag alag company ke kafi sare logon ka main video dekha lekin usmein se aapka video bahut hi Sundar tha aur samjhane ki ret bahut hi Sundar thi aur samne Wale Ko Puri samajh mein a jaaye aisi thi
Dear sir/madam, I am planning to take Reassure 2.0 platinum+ family floater plan from Niva bupa. They offered me a plan with Annual aggregate deductibles of INR 50000/- with reduced premium. I am aged 56 without any health issues as on date. Please write me in and out of annual aggregate deductibles and your expert advice. I learned a little about this in your videos. Regards Yogendra Mangal
Nice explanation. Sir agar mera base SI se zada single hospitalisation bill aata hai, to kya uska poora claim milega ya sirf SI jitna he milega? eg. 10 L cover hai, but bill hai 15 L. How much can I claim in this case with Reassure 2.0 policy?
Sir Depend karta hai year of claim pr. 1st year 1st Claim sirf sum insured tak hi milega. Uske baad apka Reassure benefit bhi active ho jayega. then next year Unused sum insured bhi carry forward ho jayega(Booster Plus). So Basically jitna jyada Claim free year rahenge utna hi apki coverage badhti rahegi for single claim.
Ye policy policy bazar ke through lene se kya treatment ya claim ke apna relationship advisor physically hospital me bhejenge for claim settlement bataya hai isme kitni sachhai hai ya hame customer care ke through hi sara process karna hoga
Sir 85+ cities mein 30 Mins claim support de rhe hain , yani apke call karne k 30 mins k andar apke Hospital Ya Ghar executive aa jayenge to assist in claim. But I am Not sure about the on ground reality. But definitely it will help in better guidance of Claim process.
Sir hamari policy Tata AIG me chal rahi hai kya hum niva bupa reassure 2.0 me port kara sakte hai... Aur agar port ho jati hai to benefit pure milang ji.. Jo aap ne batey hai ji.....
offline Kisi Ache consultant/ Agent se lenge to claim support mil sakta hai. sirf Kuch direct plans aate hain jo thode saste hain but Claim apko khud tackle karna hoga.
Dear Friend, very good explanation and easy to under stand. But you have missed some points like PED and it's riders. Coverage of diseases etc... Please explain them also. Thank you
Annual Preventive health checkup as per limits covered hain unme 1-2 ghante ki koi limit nahi hai. Panel Labs mein karwa sakte hain. Aur khali Test jo ilaj ka hissa nahi hain cover nahi honge.
Good explanation. I want to know if I take this policy under zone 2 region, may I claim it if I get treatments in zone 1 (Delhi, NCR etc) region? If yes, will there be any limitation of amount of claims due to this choice of zone? Else I will get the full claims as per my policy?
I received your reply sir, But sir I want to know that if someone travel to Mumbai for vacation and got health issues and urgently admitted to hospital in Mumbai...then will he get the claims or not....?
Yes renewal ke time aap upgrade kar sakte hai reassure 2.0 me aur agar aap kisi advisor se buy kiye hai toh aap unhi ko bol digiyega ki upgrade kar de reassure 2.o me koi dikkat nhi hoga aur features wise bolonge toh reassure se reassure 2.0 me benifit jyada hai👍
Bhai tumhe renewal ke time par bolna है NIVA BUPA company me ki sir mujhe APNA plan migrate Karna hai ok migrate bolna hai easily plan change ho jaayega Shiva sahani Manipal Cigna health insurance company limited
@@shivasahani3356 As par letest update abhi old wala reassure new wala reassure 2.0 me upgrade nhi hoga till July 2022 tak toh es bich jinka bhi renewal aayega unka purana reassure me hi renewal karana padega
Sir,if I remove the disease management rider after three years,will my waiting period for pre exiting disease (specially diabetes ) will reapplied or waiting period abolished for diabetes.
What if we have 3 members in our policy so sum assured amount will be for every individual or it's for all.. like if we have sum assured of 10lakh and I have used 3 lakhs and another policy required claim so he will get 7 only or complete 10
In a Family floater plan your sum insured i.e 10 lakh , will float over whole family. If any member claimed 3 lakh rs, it will be again become 10 lakh for any claim in future by reassure plus benefit.
Clarify plz In hdfc optima secure family footer policy if I pay only first year premium say 29k for second and third year it will be 29 k. Or it will increase?
Mam family Floater plan ki bhi same coverage hain. Usme is Amount mein Puri family cover hoti hai. Plan features and coverages are same. Bas Price change ho jata hai.
Sir Niva Bupa Reassure 2.0 Me Family Pensioners (Age Less Than 60 )Personal Accidental cover (Rider) Le sakte hy ! Ky claim ane pr Family Pensioners ko Personal Accident Ka claim milega ! Kui ki Normal Pensioners (Above 60) ko Personal Accidental Insurance Nahi Milta Hy ! Please Reply !🙏
Milega sir, Modern treatments are some rare one's like robotic surgeries. You can find the list of modern Treatments and capping in policy wordings documents in description.
Family floater plan mein 10 lakh rs mei se koi bhi use kar sakta hai, khatm ho jayega to Unlimited Reassure ho jayega wapas se 10 Lakh. Amount 1 hi hai , wo Puri family k upar float karta hai. Jisko need hai use kar le.
@@insuranceimpactso what are the different ways in which the company increases the premium -Every year ( inflationary) -As per 5yr age slab -As per claim -As per appearance of a new -chronic disease ( loading) Please give example of different company plans For example Niva Bupa Care Star Manipal Cigna Etc
@@sagarshyamlalprasad1756 Yes Sir, these are all the ways by which companies increases premium. And it's not fix for a company to increase due to a certain reason. It may vary from plan to plan , Claim Ratio , and Probability of claim. Other than age slab and inflation, underwriters decide the premium hike part.
Suppose if a person takes a reassure 2.0 insurance of Rs. 10 lakh and no claim is taken for next 10 years and due to booster plus sum assured reaches 1 cr.. The person is hospitalised and the total bill comes 70 lakh. Will company pay the full bill of Rs. 70 lakhs?
bhul jao bhai ye sab bus attract karne k lie hain jab time aata hai ye sab mukar jate hain... ita bada amnt nai denge ye insurance wale its better ki agent se ek parce mai likhwake sign lo
Sir maine 2.0 ka brochure pura study kiya but kahipe co-pay & titanium + agr 10X ho jati h toh agr maine 25L ka SA chose kiya agr 10yrs clain nei liya toh 11yrs m wo 2.75Cr ho jayega then 12yrs m agr 25L ka claim aa jati h uske badh balance kya 2.5Cr rahega ya phir bapas 25L p aa jayega Ye dono chij ka confusion h abhi, please guide aur future m company agr Premium rescheduled krti h toh future m Premium v toh bad skta h
May be , OK. Sir these parameters vary claim to claim. Claim settlement can be smooth in your claim but rigid in mine. Customer care is good. Major disputes are due to differences in our expectations and actual coverage in the policy. The Video explains the Coverage details only. And not to influence the purchase of a policy.🙏🙏
@@insuranceimpact Thank you.. But the concern is with Claim settlement process/service and brand value of Niva Bupa.. Other side HDFC has larger Cashless hospital and fast cashless service. Actually I have a Optima Restore Family floater policy and want to switch either in Reassure 2.0 or Optima Secure and want to continue for longer duration.
पहले साल मे 3 LAKH का क्लेम लेने के बाद REASSURE TRIGGE हो जायेगा जिससे वो पॉलिसी तुरंत 17 LAKH की हो जायेगी और RENEWAL के TIME पर 27 लाख की हो जायेगी आपने बताया की renewal के time 17 Lakh की हो जायेगी तो गलत जानकारी दे रहे है आप
In the consumables list of Reassure 2.0 safeguard plus benefits it says subsumed into room charges/procedure and treatment cost. If these consumables are already subsumed then why are they saying that safeguard plus will cover more consumables.
@@stuartlittle8652 it will be mentioned in the policy wordings of the specific plans. As the coverage varies company to company. It will be applicable as mentioned in the P.wrdgs
In you ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-CGB6efCue1U.html video you say in reassure feature max benefit is upto basic sum insured but here you say otherwise. Please clarify
Sir I checked and Verified it again. The Claim Amount is not capped upto Sum insured but Total Reassured amount is capped upto Sum Insured. like it's explained in Reassure 2.0 Video. Claim amount can be more than base sum insured by clubbing remaining sum insured and Reassure amount.
NIVA BUPA is definitely a fraud. Never settle customer's Claims. Very dangerous. And goes in any extent to sell policy, and after selling policy they never listen customers.
niva bupa me yadi reimbursement claim ke liye to bas ye aapko ombudsman me le ke jaye bagair claim nahi dega i think ghatiya and chor company koi mat lena personal experience bata raha hu
