Health Insurance | 7 Things You Must Know Before Buying Health Insurance

Health Insurance | 7 Things You Must Know Before Buying Health Insurance | Save 7000+

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Күн бұрын

Health insurance just got easier! Check out this video that breaks down the differences between base cover, top-up, and super top-up plans. Learn how to increase your health risk coverage and take advantage of refilling your policy during hospitalization. Stay informed and get the most out of your health insurance. Watch now to get a clear guide on optimizing your coverage.
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(00:00) : Intro
(01:18) : What is the base cover
(01:45) : Why should we take health insurance
(03:00) : Health insurance top-up and super top-up
(08:00) : What is restoration
(09:00) : Sub limit & room rent limit
(12:20) : Day Care treatment & OPD
(13:55) : What is co-pay
(15:20) : What is cashless and reimbursement process
(16:08) : Waiting period & pre-existing diseases
(17:20) : Buy health insurance
(18:35) : What is no claim bonus
(19:15) : Policy Bazaar

Пікірлер: 518

@namaskarprasad 6 ай бұрын

Buy Health Insurance Now : bit.ly/41At3yC 25% Discount Applied

@RajendraDubey00 6 ай бұрын

I have a doubt, have you made this video to promote your insurance affiliate link, or to spread awareness? Because insurance commissions are way to high!!

@SwapiYerunkar 6 ай бұрын

Make video on Ayushman Bharat scheme, it's benefits limits etc..

@SatyendraVarma 6 ай бұрын

There is no discount at all.

@KKFan-kl3it 6 ай бұрын

I also have a doubt .....are you doing a job or a business to satisfy the need of u and your family ..@@RajendraDubey00

@SachinVerma-lv7ih 5 ай бұрын

Bhai Aapke is link se jo bhi buy karega aap claim service bhi doge na usko ? Because you are making money out of it...

@MrMallu. 6 ай бұрын

Pin this message. Points to remember. 1) No room rent capping 2) no co payment 3) no deductibles 4) no zonal co pay 5) includes all charges and for all things not like excluding some material in operations and all 6) super topup without room cap and do see its conditions and terms... mostly these are not portable means once u have taken, u need to continue till last . if u discontinue u have to start from zero for P.E.D 7) always opt for no claim bonus and restoration, in case of non claim bonus one prblm is there, in some cases they will minus the non claim bonus once u make a claim in some case they will just reduce claim amount. and in restoration, check how many times and either full or partial... 8) renewal till how much age/ and entry barrier 9) company should be profitable 10) disclose all the details and check for reimbursement and cash less...both should be there... ❤❤❤

@Aditya-gm8uf 6 ай бұрын

Bhai itna bata diya 2-4 policy bhi bata do.

@MoinKhan-uf4pg 6 ай бұрын

@@Aditya-gm8ufiss base pe khud research karlo bhai ..ditto aur policybazaar pe

@cureitsarkar9243 6 ай бұрын

ekdo policy to bhi bata do

@shahzeb3445 6 ай бұрын

This message deserves to be pinned.

@RohitSingh-ph1eo 6 ай бұрын

Usko pta hota to pehle hi likhta naam then explain kr deta points...ye saare points sayad hi kisi health policies se match kre... preference apne hisaab se khud ko dekhni hogi.. with their claim settlement records...

@Gaurav.Chaturvedi_BHU 6 ай бұрын

Just wow! Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot of people to select best health insurance for their family. Because common man cannot distinguish between a good and a bad policy all thanks to these fancy words used by these companies which try to make profit and use all their brain to reject the claims. Much awaited video.🤩

@jaik3e 6 ай бұрын

#stopvivekbindra😅

@vishalshaw3513 6 ай бұрын

Regarding room rent limit. Let's say your room rent limit is 5000. You go for a treatment with room rent of 10000 per day. You will think that I will bear 5000 per day extra for the room rent from your pocket. But wait. When you go for settlement, you will see that every claim is reduced to 1/2 of actual payment. So for 3 days, instead of paying 15k from your pocket, you end up paying half of actual bill. This is really tricky and health insurance providers play around with the T&C. So you should definitely seek higher room rent

@prateeksinghal7688 6 ай бұрын

Thanks for letting us know this info. Super helpful.

@subhajitroy8672 6 ай бұрын

Thik se batao bhai hindi mei

@himanshududhankar 6 ай бұрын

Yes I was thinking same

@AvinashKumar-jj2vi 5 ай бұрын

Yes it's true.

@vishalshaw3513 5 ай бұрын

@@subhajitroy8672 bhai translate karlo Google translate me

@tejas-bn3cq 6 ай бұрын

I never understand why government take 18 % gst in health insurance and life insurance ..

@sumit6190p 5 ай бұрын

Paisa babu bhaiya.. Paisa ka khel hai.

@IAMANDAPOP 2 ай бұрын

Indian government hai. World highest uneducated policy makers india mai hai

@rscsingh7848 6 ай бұрын

This is the video I had been waiting for, for the past 2 years. Though Prasad has covered fewer points than say, LLA, but he has done it in the way no one, not even LLA has been able to cover. Really really appreciable. ❤❤❤❤😊🎉 Very simple. Cleanly laid out. Very useful.

@harshjaiswal7438 6 ай бұрын

Sandeep and Vivek Notice krne Wale log like kre 😂😂

@IndrajeetKumar-bb4hn 6 ай бұрын

Bhai har jagah yhi chal rha h jha bhi dekho...🙆‍♂️🙆‍♂️

@Saurabhkumar-ps5zp 6 ай бұрын

Hahahaha

@WiserMiser 6 ай бұрын

Bada Vivek 😂

@harshitking12 6 ай бұрын

#stop vivekbindra

@shubhamsaraf07 6 ай бұрын

😂

@sunilmk5186 6 ай бұрын

Please continue this series and cover Term Insurance as well. These kind of videos really helps a lot

@gautamsinha5998 6 ай бұрын

Please cover few more things in any upcoming video - 1) if person has employer provided medical insurance and personal medical insurance, is there any enhancement to total coverage or are expenses to be distributed across both of the insurance policies? 2) there is an online insurance account being created - if people use that will all insurance providers get to know about all policies we hold and the coverages?

@supermansud 6 ай бұрын

You're doing a commendable service. 😊

@prateeksinghal7688 6 ай бұрын

Please make a video for senior citizens who are 65+ and above about things to consider for taking health insurance for my parrents that are 65+. Please that will be super helpful for us. Thankyou ❤

@investment3605 6 ай бұрын

Now you show the video right way. Awareness and learning.

@gamezyy8640 6 ай бұрын

So good!! Please continue the series.

@akshitmandaviya164 5 ай бұрын

One of the best video on this topic.... Huge respect to prashant ...

@amaantalha1036 6 ай бұрын

Very very very very great and clear explaination sir....Thank you so much🙏🙏🙏🙏💐💐💐💐💐

@melwinalm 6 ай бұрын

Amazingly explained. Thank you.

@rs-tarxvfz 6 ай бұрын

ये सब देख कर मैंने मान लिया है की सच में हम अच्छे दिन में रह रहे हैं मतलब रोगी के लिए नही माफिया लोगो के लिए 😋😋

@PGHR 6 ай бұрын

Just save few bucks you can’t risk your family and finances better go with what you understand and covered your requirements with best healthcare plans with past performance. Cost doesn’t matter ❤

@harshnarware 6 ай бұрын

Why pay extra for the same benefit There are some people who can barely afford health insurance why don't give them more value for their money

@JUSTIN-gv7nd 6 ай бұрын

@PGHR KAHA SE GE TU

@vishalkedare-py3ii 5 ай бұрын

simple way of explaning minded insurace componey , very good knowlage ..

@shankarmaharana1903 6 ай бұрын

bhai aap pura policy waalo ka poll kholdia great its very useful information

@dddharmesh 5 ай бұрын

Thank you so much for clarifying all of these.

@tusharmohhanta 3 ай бұрын

Loved your explaining way ❤

@TheKkapil 6 ай бұрын

11:31 person has to pay more than 14000 as room rent is directly related to total hospital bill In the example of 6000₹ room rent for 14 days if 5000₹ is room rent limit It's not that u have to pay only 14000₹ extra It's about the percentage of room rent limit of actual room rent In the same example 267000₹ was total bill so 5000 is roughly 83% of 6000 so difference of 17% on total bill is you have to pay from your pocket which is 45000₹ and not 14000₹ This percentage makes huge difference if total bill is on higher side

@mohammadshaban4245 6 ай бұрын

Correct, that % amount of total bill we have to pay

@abhijitbubanale4437 6 ай бұрын

Ultimate guidance sir. Hats off

@nasimak8141 6 ай бұрын

Thank you for making such a wonderful video.

@yogeshchauhan-zv9dd 6 ай бұрын

Perfectly explained ❤ Great work Prasad 🙏🏻🔥

@dipikaindia 6 ай бұрын

ACHHA TOPIC PR AAP VIDEO BNATE HO BHAIYA THANKS

@vineetprakash1510 16 күн бұрын

So informative. You earned a new subscriber with your wit and knowledge

@DharmendraSingh-ki4el 6 ай бұрын

Nicely explained, appreciate your efforts👍

@techmechtalk9467 6 ай бұрын

Very very informative video.thanks a lot.

@bkhimansu.123 3 ай бұрын

Good clarity in your video

@sanjeewsingh587 27 күн бұрын

Very Informative. Thank You 👍

@naveeny8514 6 ай бұрын

Amazing work as always you rock Prasad !!!

@AmitKumar-md8vn 4 ай бұрын

Very informative..thanks a lot

@prateeksinghal7688 6 ай бұрын

Superb video. Thanku for this prasad ❤

@SatendraYadav-rb2un 6 ай бұрын

That’s why early you buy medical and term insurance, the better it is..I bought both at the age of 28, today I m 42, and paying just 19k for both as premium, medical cover of 10 lac and term insurance of 1cr+..living a peaceful life!! 😊

@kapilsharma1293 6 ай бұрын

Right now im 33 and paying arround 10 k yearly for health insurance which I strated in 2021. And I thought that premium amount keeps increasing as age goes up so how you are paying such low amount at the age of 42, specially for health and term insurance together.

@StudyBoy-by7wp 6 ай бұрын

@@kapilsharma1293 every 5 years premium has increased because of medical inflation . I know very well because I am insurance Adviser

@SatendraYadav-rb2un 6 ай бұрын

@@kapilsharma1293 I bought it age of 28; 7k for term and 12k for medical cover for family

@DHC04 6 ай бұрын

I doubt, can you share which company?

@user-hb4kw4iq8l 6 ай бұрын

Lol😂. Health insurance increases with age. Premium is based on age band. And if u have bought cheap health insurance then they will show their colors when u initiate claim😂.bcoz health insurance companies do this. They will reject ur claim by saying " hospitalised not needed " . That's why i tell my customer to choose either tata or hdfc ego health insurance .

@smmhatre1 6 ай бұрын

Thanks bro for valuable teaching,I wish to know do we need to take super top up every year or some year can we skip and once again take it??as base cover we have pay mandatory

@ankitbhatti667 4 күн бұрын

Thankyou for making this video. It has really helped me in buying right insurance.

@sandeepkumar-nr7jl 5 ай бұрын

Excellent explanation ❤

@ankitkumar-od6vm 6 ай бұрын

Thank you for this information

@skycreations8318 6 ай бұрын

Really nice information !! Thank you... 🎉

@ushar5265 2 ай бұрын

very well explained

@rh1726 5 ай бұрын

Restoration benifit also work on partial exhaustion

@He.who.must.not.be.named. 6 ай бұрын

Thank you for this informative video. 😊

@arunchougule2353 2 ай бұрын

Very good explanation

@anirbanroy7644 6 ай бұрын

Thank you Prasad ji.

@amritbhowmick8310 5 ай бұрын

Nice explanation of various key terms involved in health insurance

@secured-life 3 ай бұрын

I like this..Kudos to Prasad🎉

@karanmhatre121 6 ай бұрын

Thank you so much Bhai n keep it up 🤗👍

@parryyy 6 ай бұрын

Insurance company: "Day care treatment" Prasad: Night ka kya?

@subhrajitsarkar3222 6 ай бұрын

😂

@akashdevkate78 6 ай бұрын

😂

@Chart2Money 6 ай бұрын

Many people in Rajasthan State are not spending money on Health Insurance because FREE hospitality and medical FACILITIES available here by Congress GOVT.🤟

@surajchhetri4922 6 ай бұрын

Government hospital free to hoga hi bsdk, private hospital mai ek din ka 30000 hota hai kharcha

@StudyBoy-by7wp 6 ай бұрын

Such really ☺️🙏🏻 charanjivi schemes like that in RJ

@pritammehta7770 5 ай бұрын

Can you go to any big private Hospital ?

@woodtechindia 6 ай бұрын

Very informative and useful content bro . Thanks for sharing

@praveenpankaj7209 6 ай бұрын

Beat information you give thanks

@amardeepshrivastava6411 5 ай бұрын

Very informative video 👌👌👌

@ammarvanank 6 ай бұрын

Confused with restore option... HDFC Optima restore

@tradergig 6 ай бұрын

@namaskarprasad. I usually watch all your videos, I like it. Keep up the good work.

@Nomadictuber 6 ай бұрын

Guru ye sahi tha 😜 Top Sandeep aur Super Vivek

@anirbanroy7644 6 ай бұрын

Please make a video on group insurance.

@jaibazpur528 6 ай бұрын

बहुत बहुत धन्यवाद❤

@sudiptokarmakar9880 2 ай бұрын

Please make a video of Niva Bupa Aspire Health Insurance Plan....

@krishna-nakum 6 ай бұрын

Thank you

@pripri7905 5 ай бұрын

Thank you so much

@kishanshrotriya6071 6 ай бұрын

Very knowledgeable video

@jyotibratatalapatra 5 ай бұрын

Nicely explained.

@nitpl12 6 ай бұрын

Thanks🙏

@nosom7 5 ай бұрын

Avoid outside food, fast more, sleep more, move more. And you'll reduce your hospital Bill's by 80%

@AR-82 4 ай бұрын

Yes

@RaviSharma-br3lq 2 ай бұрын

And what about age?

@starlightoceanyt Ай бұрын

Surprise Accident 🙀 then 😅

@rameshjadhav967 26 күн бұрын

Bakwas

@solutioni9229 6 ай бұрын

Very useful video 🎉

@MrUnknown-tx5lj 5 ай бұрын

Thank you sir 😊

@DeepakSrivastava1985 6 ай бұрын

You haven't talked about moratorium period and portability, benefits transfer, maybe you can include it in another video

@udayraje100 6 ай бұрын

Thank you Prasad

@princcenaahar 6 ай бұрын

Good information 👍

@user-ry8gb6ou9t 6 ай бұрын

You forget to mention one point Room rent capping is directly attached with all other expenses done in hospital.

@TheKkapil 6 ай бұрын

Exactly

@machpilota380 6 ай бұрын

Nice information, as you know Top Up & Super Top has introduced by insurance companies few years back so what’s the guarantee insurance companies will continue with this option forever. After knowing that one can choose super top with less basic plan. Second I was told once by an insurance company that I can take supertop only once I take Top Up first. Please let me know regarding the same. Thanks

@kaushikkabiraj2850 5 ай бұрын

Very informative video ❤

@srikanthc7026 6 ай бұрын

What does a person with epilepsy do for better future financial planning? There is no insurance coverage in India for it.

@manishadas5079 6 ай бұрын

Provided a good knowledge 😊

@sanjugen 6 ай бұрын

Great information bro

@ratangain1063 6 ай бұрын

Thank you sir❤

@freesoul9251 6 ай бұрын

धीरे धीरे फैन हो रहा हूं 👍👍👍

@mayur8142 6 ай бұрын

Nice , informative

@rajeshbaladawa2881 2 ай бұрын

Nice information

@InvestingInsights4u 6 ай бұрын

Super Vivek is always genius 😂

@vikashbabu3321 6 ай бұрын

Thank you ji

@ruturaj1 6 ай бұрын

👍🏻👍🏻 informative video

@kailashchandra7715 2 ай бұрын

Restoration m full or partial exhaustion restoration ka option bhi hota hai jab aap ka 5 lakh ka sum insured hai 1st claim 3 lakh 2nd claim. 5 lakh hai to , Restoration k vjay se 5 lakh bhi claim ho skte hai agar partial exhaustion hai to policy m

@ranjancom2000 6 ай бұрын

even super top-up not all bills will be covered I got scammed from that

@hrishikeshranade03 6 ай бұрын

Prasad … we also needs to understand that , If we are unhappy with insurance co service and if we wish to port the policy simply we can’t do that coz TOP UP policy doesn’t get port to any other insurance company

@sunilmehta_ 6 ай бұрын

Quite informative... but have few follow-up questions... 1. Why are insurance companies offering super top up.. is there a disadvantage associated as against taking higher base cover.. like once I get old, they stop giving me super top up facility and I get stuck with base cover I had earlier as that too can't be increased... 2. Ps do provide guidance in porting.. the process, what we should consider, etc. Etc...

@nidhiverma22 6 ай бұрын

"Why would companies stop super top up facility? Top ups and super top ups are good options to keep your health insurance affordable. If you want to port your policy, you need to talk to the new health insurer 45 days in advance of your renewal date. Give them all the details of your existing policy and claim history. Based on that new insurer will decide if they are ready to give you cover under porting. If they agree, pay premium to the new insurer and port your policy. If they say no, if have to renew with your existing insurer or check out some insurer in the market."

@sunilmehta_ 5 ай бұрын

@nidhiverma22 thanks... there has to be some catch here... if this makes affordable and available for all then why not bring the overall base premium down instead... as per law, if I have taken a policy (base only)... the insurance company needs to continue the coverage when I get old (and would use more of insurance)... they can only refuse to increase coverage... however, this doesn't apply to top-ups hence I asked... more clarity here will be helpful with the legal angle also...

@nidhiverma22 5 ай бұрын

@@sunilmehta_ Insurers have to provide lifelong renewability to top-up plans as well. IRDAI does not say that life long renewability clause only applies to base products. Though companies can increase the premium with time and age which might make them unaffordable after a point.

@harshshah1689 6 ай бұрын

Great work bhai

@subhamtripathi4514 Ай бұрын

@namaskarprasad. - Thanks for the video. Is super Topup amount tax exempted?

@rashmikashomemadesecrets2022 6 ай бұрын

Kya auto restore option lena jaruri hai ya base cover plus super topup cover only?pl suggest

@rahulsukale6387 6 ай бұрын

Cooling period ka bhi batao.

@DeepakKumar-jt4vw 5 ай бұрын

Hey Prasad, you can also include the zonal and PAN India condition

@myfriends446 6 ай бұрын

Better to keep control on hospitals by government

@NagendraParmar 6 ай бұрын

Prasad ji. i m from Rajasthan. and Rajasthan me 2011 se govt free health services free medicines free diagnosis de rhi h. yaha health insurance ka craze kafi km hai.

@amitabh748n 6 ай бұрын

Ab sarkar badlegi.. aab nahi milega...😂