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All you should know about health insurance before buying

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drjpatwa
If you compare health Insurance plans on Insurance web aggregator (Like policybazaar), you will find almost same features in all of them. So, you might get confused & fall in trap of cheapest plan or suggested by agent without knowing complete policy wording. So, here I am summarizing all you should know about health insurance plan with emphasis on hidden Terms & Condition. 1) No Claim Bonus (NCB) / Multiplier Benefit This is the benefit Insurer gives to customer for not taking claim in single year. Unlike vehicle insurance policy where NCB benefit is in terms of discount in subsequent renewal, in health insurance majority of time NCB is in the form of increased in Sum Insured (SI) (Coverage limit of your health insurance). Points to Note: - Rate of increase in sum insured limit will differ in different plans of same insurer & also from 1 insurer to another. Faster the rate, better it will be. E.g. Apollo Munich (Now HDFC Ergo) optima restore plan gives NCB as 50% increase in SI - Max. cap of increase in SI. Higher is better. Some plan gives max. upto 50%, some gives upto 100% - Penalty for taking claim. Whenever you take claim in a year, your insurer will penalize you for it (Usually by reducing accrued NCB by same rate as of in increase). No penalty or low penalty is better. E.g. Max bupa doesn’t penalize for taking claim - Majority of PSU insurer (National, united etc.) don’t provide this feature. - Best thing about NCB is, Increased in SI has no extra terms & condition & it is equivalent to your base plan with higher coverage. So your policy should have this benefit. 2) Restoration benefit / Refill benefit Agents sell policy saying total 10 lac coverage (5 Lac base SI + 5 lac restoration). Restoration benefit means once your SI (+ NCB, if any) get exhausted insurer will refill same amount as base SI (like 5 lac) once in a year. All hidden Terms & condition lies here. So, read policy wordings & don’t rely on agent. Like, - Some insurer has T&C that - Restoration can’t be used in same person with same disease (Not even complication of same disease) E.g. – Max Bupa E.g. Person detected with cancer & total bill (In single claim or multiple claim – like in chemotherapy cycle) goes above 5 lac, still he can’t get restoration benefit. - Can be used in same person, same disease but with gap of minimum 45 days - Single claim in policy year can’t exceed basic SI + NCB (Indirectly saying restoration can’t be used in single claim however it can be used in subsequent claim with gap of 45 days) – E.g. Apollo Munich My take is, don’t fall in trap of this benefit. If they are giving it at no additional cost, go for it. Because you can use it for other family members. 3) Co-pay Co-pay is the amount in percentage you have to pay out of your pocket for every claim. Usually co-pay plan is offered at reduced rate compare to normal plan to attract people. But never go for any plan, which has co-pay. Beware: Some insurer have same base plan but if you opt for discount, they will convert it to Co-pay plan. E.g. Religare. Religare offers 15% discount to customer who opt for co-pay feature under their Religare care plan. Some of agents, Including policybazaar (Which will always try to sell Religare plan) try to attract customers by saying we will offer 15% additional discount without telling about this Co-pay. (I myself fall in trap of policybazaar, thank god I was saved my research. I do complaint against them on twitter too) 4) Zone/Geography base charges This might find unusual but many companies levi Co-pay charges if you change your Zone for treatment. Like if you have taken policy in Agra & if u want to hospitalized in Delhi, then you have to co-pay 20% amount. E.g. Hdfc Ergo policy In few insurer, it is optional to choose zone wise charges. Don’t fall in trap of it to save few bucks. Because agent might give you Zone B policy at lower rate & you might end up paying 20% co-pay for taking treatment in Zone A. Choose Insurer which don’t have such geographical/Zonal restrictions. 5) Life-long renewal without Co-pay Some insurer put additional co-pay terms for renewal after age of 60/65 years. Avoid such plans. 6) Sub Limit or Capping Many policy have sub limits on Room rent, ICU charges, capping on cataract, Knee replacement surgery etc. If ur bill goes beyond these permissible limit, they will deduct all charges on pro-rata basis & not alone room charges (Like doctor consultation, laboratory charges, OT charges, procedure charges etc.) Also keep in mind that these sum limit of Room rent includes – Room charges, nursing charges, injection charges, Ventilator charges (if used in ICU) etc. So better to choose plan which don’t have sub limits or capping. 7) Pre/post Hospitalization Higher number of days coverage, better it is. Like Apollo optima restore gives 60 & 180 days pre/post benefit compare to others who usually gives 30 & 60 days respectively. 8) Free health check-up Don’t get lure with this free benefit. This freebie shouldn’t be prime deciding factor while taking plan. If this benefit is there it is better. 9) AYUSH Benefit If you want to get treatment for Ayurvedic/Homeopathy etc. check Aysuh benefit. Some insurer provide Aysuh benefit for full SI E.g. Max Some insurer provide Aysuh benefit with some capping like max. 20k/50K E.g. Religare Some insurer don’t provide Aysuh benefit E.g. Apollo Imp Point: This benefit is only available for hospitalization in Government AYUSH hospitals or NABH accredited private hospitals. Only few private AYUSH hospitals take NABH. 10) Stay healthy Discount Very nice initiative by some insurers (like Apollo, Hdfc etc.). If you stay healthy they will provide you additional discount at renewal. For which you have to download app/wear digital watch & they will calculate daily walking steps & give discount slab wise with max. 8-10%. Those who are already doing such exercise daily, will get this discount & for others this discount will lure to be healthy. 11) Waiting period for Pre-existing disease Pre-existing diseases are covered after 3-4 years (Max, Apollo 3 years, Star 4 years). Shorter the duration better it is. While for slow growing diseases waiting period is usually 2 years. 12) TPA (Third Party Administration) Many general insurance companies (like National, United etc.) don’t have their own medical team to verify claim details & they rely on TPA for claim settlement. So, customer has to deal with TPA first for claim & then TPA approved amount released by Insurer. While some other insurer (like Apollo, Hdfc, Religare, Max etc.) have their in-house settlement team & don’t have TPA, which fasten the process of claim & refund. Go for companies without TPA 13) Daily Cash benefit Over & above your actual claim amount, some insurer gives daily cash benefit for miscellaneous expenses but with lots of T & C like - Admission should be in network hospital, Minimum stay 48 hrs., Room should be twin sharing room etc. & upper cap is also there, Not valid for ICU admission - However if this benefit is there at no extra cost, its good. 14) Exclusion There are some common exclusion in each policy, which many are not aware. - Admission, discharge, record section, RMO, Administrative, registration, service charge etc. (Many corporate hospital levy Administrative service charge at whopping 15% of total bill amount excluding medicines & these charges are straight away rejected in claim - Cosmetic surgery - Experimental, unproven treatment - Hospitalization just for investigation or diagnosis - Circumcision - War like situation, Terrorism, Hazardous activity – like Scuba diving etc. - Dental / Eye treatment like Laser - HIV, STDs - Alcohol, substance abuse - Assisted Reproduction (IUI, IVF etc.), birth control related procedures - Obesity & its complication (Keep this thing in mind, anywhere during admission if doctor writes your diagnosis as Obesity – case gone. Your claim will be rejected) - Maternity (Some plans do offer this benefit but has long waiting period of 3 years), infertility, birth control treatment etc. - Non-medical expense (like cotton, loose gloves etc.) - Apart from this common list, many insurer have added some more exclusions (E.g. Some Specific medicines are excluded) & some black listed hospitals. Do check for it in policy wordings or I have highlighted such comapny specific unique exclusion in my google spread sheet, u can go through it. Apart from these following are excluded in majority policy (Except Apollo has recently added it in inclusion list) - Neurological diseases like Parkinson’s, Alzheimer’s disease etc. - Stem cell transplant - Robotic surgery, LASER, Light treatment (Remember if you are living in metro cities then some of sophisticated hospitals do have Da vinci Robot & they use it frequently – but your insurance won’t cover it) 15) Availability of Insurer / TPA office in your city - In case of reimbursement availability of Insurer nearby to you will be helpful for documentation & if any query arises. 16) Network hospital list - Don’t just check number of hospitals. It will be more or less same in each insurer. But most important thing is to check whether these hospitals are well-known & according to your preference or not. 17) Individual Vs. Family Floater If you take Individual health insurance for each family member, it will be costly affair compare to taking Family floater. Suppose three are 3 persons in Family (2 Adult & 1 Child) looking for Sum Insured of 5 lac. Simple reason to understand cost difference is because in Individual policy Insurer is liable to pay max. up to 15 lacs (If all 3 gets sick & put claim), while in family floater Max. liability is only 5 Lacs. However, as per my opinion there is rare possibility (Unless in accident) that all of the family members need it at a time. So, better to go with family floater plan with higher Sum Insured at same rate as compare to Individual plan. In family floater plan children are allowed only till they reach 21 year of age (E.g. Max) or 25 year of age (e.g. Apollo, HDFC). 18) Pricing Majority insurer increases price of premium in the slab of every 5 year. Like for age 31-35 premium remains same then increases at 36 age which remains same till 40 years. However Max is following increase in premium every year by 100-200 rs., unlike sudden rise of premium with age slab changes. So do check it. 19) Top-up / Super Top-up plan Rather than going for higher Sum insured in base policy, one should go with super top-up policy if person feels that Base policy is inadequate. Because these policies are cheap. Again all hidden T&C are there in these plans. So read carefully before buying it. Top-up policy – As the name suggests, it is top-up to your existing policy. Lets understand terminology first. Deductible Amount – It is the minimum amount one has to pay (Either through base policy or through their own) to get triggered top-up policy. Sum Insured – In top-up policy sum insured includes base sum insured also. E.g. Your base policy is 5 lac. You have taken top-up policy of 10 lacs. Deductible amount will be 5 lacs Sum Insured – 10 lacs Actual coverage in your top-up policy – 5 lacs (10 lacs- 5 lacs base policy) Now Important T&C in Top-up policy is you have to pay deductible amount during each claim separately to get triggered Top-up policy. E.g. You have taken 5 lac base + 10 lac Top-up policy (Here Actual coverage in top-up is 5 lac) Case 1: You get accident & your bill goes to 7 lac. Here, in single admission you have used deductible amount (Of 5 lacs), your top-up policy will get triggered & remaining 2 lacs will get paid from top-up plan. Case 2: You get dengue & bill of 4 lac has been settled from base policy. Now you have 1 lac remaining in base policy + 5 lac top-up. After few months you get accident & bill becomes 3 lac. In this case your top-up policy will not get triggered. Because as per T&C bill should be more than deductible amount (here 5 Lac) in single admission to get triggered top-up policy. Difference between Top-up & super top-up policy is that in super top-up policy they calculate deductible amount cumulatively. So, in above case 2, super top-up policy will pay remaining 2 lacs but not top-up policy. Super-top up policy is somewhat costly compare to top-up. But always buy Super-top & not Top-up policy. For easy comparison of all features of different company’s plan at one place, I have made Google Spread Sheet. This sheet will help everyone to compare & decide best policy for them. Those dimers who want it can request it here or pm me. Also I am in the process of making another similar sheet for comparison of Top-up / Super-top plan & also for special need plan Like maternity, cancer, cardiac, senior citizen Etc. Disclaimer: I am doctor by profession but I have interest & knowledge in Finance. Prime purpose is to help people & prevent victim of mis-selling of insurance. If u have any query, ask it here or Pm me.
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We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

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Deal Cadet Deal Cadet
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@devbehel172 is very helpful and genuine person and not a fraud (some people here are having doubt). I am porting my policy from oriental to SBI now and he is helping me in all the process. And also he has valid email id which only employee can get , so don’t doubt for a second. This Arogya plus policy is really good , all should once check it.

Deal Cadet Deal Cadet
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https://cdn0.desidime.com/attachments/photos/616291/original/Screenshot_20200510-091515.png?1589082605 Arogya sanjeevani premium chart for individuals only st extra

Beacon Beacon
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Arogya Sanjeevani plan has co-pay also. Wo bhi batao sir.
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Deal Cadet Deal Cadet
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thanks

Deal Subedar Deal Subedar
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excellent Topic, I am still reading this post slowly to get into detail understanding.

My friend had recommendation for Citibank Group policy for me individual.
https://www.online.citibank.co.in/products-serv...

According to him
I have to pay around 5k per year
I dont have any pre existiing disease so dont have to worry for 4 year waiting
every year 10% in coverage if no claim

I dont know if this has CoPay.

Preparing my own checklist from the all the 19 points above which are applicable.

meanwhile if someone has any experience with Royal Sundaram insurance.

Deal Cadet Deal Cadet
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link is wrong of citi bank credit card application

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Deal Cadet Deal Cadet
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Hi, I am using a costly policy of reliance since last many years. My renewal date is this 26 may. How to port to sbi sanjeevni arogya insurance policy using the same policy?

Deal Subedar Deal Subedar
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@devbehel172
My ‘mamaji’ is a senior citizen of 65 years
3-4 years ago he bought SBI general Insurance for the entire family but couldn’t renew it due to financial pressure
**last year, he bought a mediclaim policy of New India Assurance Co ltd especially for Punjab National Bank customers
This year the policy suddenly got discontinued due to the non-existence of tie up between the two companies(No tie up no policy, https://cdn0.desidime.com/Placeholders/No-Image-Available.png!)
After investing 15000 approx in premium for 7 Lakh cover, now mamaji is suddenly at a loss
He is aged and cannot even take SBI Insurance. Also the premium gone it is a financial burden( he worked as a clerk/accountant in a Pvt Company for 25-30 years)
Question:
1) What are mamji’s option?
2) Can he complain to IRDAI and get a refund or second year migration benefits of similar policy?
3) As he is not covered under PM Arogya Yojana shoud he wait of sanjeevani policy? he doesnt want to risk his money again by trusting PNB’s tie up or New India Assuance’s tie ups, what advice can I give him or help him lead a worry free life.
Advice Eagerly awaited

Deal Cadet Deal Cadet
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Bro very sorry to hear as i and some peopel already mentioned in the group this is the major reason people dont take group policy of banks if possible dimers take only Group policy of such bank and try to take policy of such bank where this type of tie ups of Insurance company issue you will not face in future and please people above 55 years age kindly don’t take risk and go for for GHI policy of banks lije pnb,union bank,allhabad merged ,uco ,etc bank of baroda,OBC so as to save some money as it might be risky in future.

1.
If you want insurance continuity benefit without break in either take policy from New india insurance or as PNB might got tie up with sone others Insurance company may be they can provide you some options with continuity benefit Insurance,
Insurance co or bank has to provide the client a option before discontinuing any policy

No refund ,it can only be provided if policy discontinued in less than year
You can call me anytime for more Guidance

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Deal Subedar Deal Subedar
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@devbehel172
My ‘mamaji’ is a senior citizen of 65 years
3-4 years ago he bought SBI general Insurance for the entire family but couldn’t renew it due to financial pressure
**last year, he bought a mediclaim policy of New India Assurance Co ltd especially for Punjab National Bank customers
This year the policy suddenly got discontinued due to the non-existence of tie up between the two companies(No tie up no policy, https://cdn0.desidime.com/Placeholders/No-Image-Available.png!)
After investing 15000 approx in premium for 7 Lakh cover, now mamaji is suddenly at a loss
He is aged and cannot even take SBI Insurance. Also the premium gone it is a financial burden( he worked as a clerk/accountant in a Pvt Company for 25-30 years)
Question:
1) What are mamji’s option?
2) Can he complain to IRDAI and get a refund or second year migration benefits of similar policy?
3) As he is not covered under PM Arogya Yojana shoud he wait of sanjeevani policy? he doesnt want to risk his money again by trusting PNB’s tie up or New India Assuance’s tie ups, what advice can I give him or help him lead a worry free life.
Advice Eagerly awaited
@drjpatwa

Beacon Beacon
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Sad to hear that.

1) Option – Check which insurance company is ready to give policy at this age. Majority will have 20% co-pay. So he has to calculate risk reward ratio. Even after paying 35k every year with waiting for 3 years for pre-existing diseases & still pay 20% co-pay, whether its worth or not.

If I will come across any such policy I will let u know.

2) Do complaint in IRDA but I don’t know how much effective that will be. Bank tied up policy were very famous last decade. Bank of Baroda issued lacs of policy for Customers at dirt cheap price with National Insurance (Imagine premium of just 7500 for 5lac). It worked for almost 7 years & then they deny to renew bcoz of unavailable price. Even majority private players deny to accept porting of such policy.

Customers were the real sufferer. I too had Bank Of india tie up policy which I could able to port.

You can ask for refund but due to lapse in policy, I don’t think existing policy benefit u will get.

3) No idea

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Talk-Of-The-Town Talk-Of-The-Town
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Good information

Beacon Beacon
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I am always saying don’t take any insurance just because it is cheap.
Here many people are getting attracted by Sbi Arogya Plus policy. Here is my detail analysis on it. Which I already shared with one of dimer friend.

Beacon Beacon
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For younger age private players has edge over Sbi plan. While in old age Sbi plan has edge.

E. G. Take family of 3 person. 2 adult, 1 kid with age of adult 31.

Sbi plan will cost you 10500 for 3 lacs while other private players charging same or less.

But in other private players within 2-5 years (apollo 2 years, max 5 years), ur Sum assured will be double from 3 lac to 6 lac due to NCB. Also from 1st year onwards, others give restoration benefit (ofcourse will some T&C). This features are not there in Sbi plan.

So that will give you maximum 3 lac SI + 3 restoration benefit from 1st year & extra 3 lac NCB after few years at same cost.

Now decide which one is better here?

Also they are doing settlement with TPA, which is drawback compare to other players.

They are covering 142 day care procedure, others are covering 500+ & some doesn’t give list & says we cover all day care procedure.

Maternity benefit which is there in SBI to attract Customer is, only till OPD limit of 500rs.

Deal Cadet Deal Cadet
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Sorry we are providing policy at 8927 inc taxes not 10500 and i already posted in this discussion this plan is best for pepole above 50 years age
there are other best options too like SBI GHI policy,and sbi arogya Sanjeevani policy for younger aged people with less premium same features at best premiun by Known Brand and OPD option and cover depends according to age
And maternity and restoration benits and other benefits there is Arogya premiere for Premium or privileged customers like you who can pay premium and Normally Dr sahab
more than 70 percent in india Dont take any medical insurance may be due to awareness, financial burdens,and when they are aged and diseases they try to take Policy at that time most insurance companies are not offering one and if they offer they ask premiun of above 25 to 30 thousand which is very high and they are not able to pay like i said Some Insurance company offers policy with cheapest premiun so that the persons will not suffer and exhaust there hars earned money in paying premium and hospital bills and for them this is the best option and if you have any other kindly provide and help people and kindly dont give options where customer gets a huge hole in their pockets as These Insurance companies also pay……….. Upto 40 percent……………and also pay very  Huge advertising costs so that (koi toh Murga Fasse…..) from whom will they take……
So dimers be wise compare and buy,best policy and this group is created to Save money of people and provide best option
Be wise choose wise i can also help you to provide discounts in any insurance company in which you want to take policy and iam working in Insurance industry since 12 years.

Beacon Beacon
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claim incured ratio of SbI was 52% in FY17-18. Which rises to 82% in Fy19-20. Which says they are stable currently but increase in claim amount significantly in last 1 yr.

My assumption – They have started operation in 2009. Due to brand of sbi & their bank network, they were able to issue policy from beginning. So premium collection is good & claim doesn’t come quickly from all. Once their population goes in old age (bcoz they are not providing any policy to diseased person, not even hypertension!!!) claim will rise & at that time their claim incured ratio will deteriorate & they will be force to rate hike (that will be massive 100-300%) but that is atleast 5 year away, what I think.

Also Sbi is soon going to list Sbi general insurance company to stock exchange, as soon as next year. So, they are not here for charity. May be this might be also reason to show higher sales & attract Customer to show good balance sheet before going for IPO to get higher valuation.

Beacon Beacon
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Also 3 lac SI is not enough. Ultimately you have to take super-top policy. If it is issued by SBI, then fine. (I don’t know sbi is providing super top-up plan or not. Top-up is useless)

If you go with other company, then again administrative problems will be there. New insurer will ask you for proof of limit exhausted of base policy & all documents related to disease bcoz they are unaware about it.

While SBI does it with TPA, which will take more time. So this might take 1-2 days more.

Beacon Beacon
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Health insurance is not like 2-wheeler policy which we are forcefully taking & usually we never claim on it so only lowest price we should look for.

Health insurance we are definitely going to use in lifetime. So only pricing shouldn’t be prime reason to choose. 

Deal Cadet Deal Cadet
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you are right bro,you should compare the features before buying any policy.

Deal Subedar Deal Subedar
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@drjpatwa Can u give an advice summary? I am confused what are you trying to explain?

Beacon Beacon
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I enquired, Arogya Sanjeevani Plan (of any insurance company bcoz features are same as per IRDA) will be best for ur mamaji. As premium will low in it compare to other plan.

Only thing is that it has 5% Co-pay & room rent capping.

But it will be as per his need.

Maximum entry age is 65 years. So check for eligibility as per his birthday.

I hope this helps u.

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Beacon Beacon
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Just think, what good points u find in sbi, which are good compare to other insurer (apart from lower pricing)

Also note that at age 55+ age, porting is not easy. New insurer are avoiding such risky people in porting. So choose insurer wisely.

SBI plan says that fixed premium but below that they write that at any point they can go with IRDA for revised pricing, which applies for all insurer.

I am sure that after 5 years after getting good client base when their ICR is will be more than 100%, they will hike one time 100-300% in premium !!!

What will you do at that time? Even porting won’t be possible at old age.

Deal Subedar Deal Subedar
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Ok ji
I just wanted to help the fellow.
maybe its a “no country for old men”

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Beacon Beacon
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Disclaimer: I am doctor by profession & saw lots of mis-selling of Financial products in the past. Then people gets frustrated at the time of claim because of unawareness about T&C of their own policy.

So sole purpose of creating this thread to make people aware about T&C of policy & make easy comparison of all features of different policy. I have taken sub agency on My family name.

I can sell & give discount for purchasing all company ‘s policy including SBI. (so don’t think I am biased)

Just analyse wisely all points & then purchase policy…

Deal Newbie Deal Newbie
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Sir please provide me premiun want policy for my parents aged 64 and 61 age please Mr puneet mentioned premium of 8927 for 3 lakhs suminsured with discount.
Can you provide me options and comparision i can pay max upto 15000 max premium more than that i cannot afford
please provide option with comparision to arogya plus policy and one more thing will you provide Discount or will return Payout as some agents you have pay full premium now after one month i will return you some money
please advise accordingly with comparision.

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Deal Hunter Deal Hunter
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Thanks for the post. Its really important for someone like me who only get confused and listened to agents.
There was a problem regarding health insurance of my late grandma. At the time of her hospitalization in ICU, the insurance company refused to give the money saying she has a heart disease which they said that we hid it or some bullshit!
But she had regular check up and annual whole body check up but never had any heart problems.
I wanted to fight it out but everyone else gave up when grandma’s health deteriorated and passed away after 14 days.

Deal Cadet Deal Cadet
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Sorry to hear
some agents hides facts and give wrong policy or information and Policy options
so as to Fill there pockets One person recently came in to Sbi bank he got policy of Star health Caridiac care and he paid approx 30000 premium to agent as agent told him as he is a heart patient and had STUNTS and agent told him your pre existing illiness will be covered from first month and he came to me i showed him policy wordings in which clearly mentioned waiting periods and at the time of renewal i provided him GHI policy. premium was below 6000 rs

some agents do this type of things for Some Bucks and incentives schemes so please Be aware and read policy wordings and free look up period also there in Health policy So compare and buy

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Deal Cadet Deal Cadet
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Role of Insurance Regulatory and Development Authority (IRDA) To protect the interest of and ensure just treatment to insurance policy holders. To encourage and ensure the systematic growth of the insurance industry so as to benefit the common man and help in bringing economic growth.
All  insurance companies have to take approval to change any  premium and disontinue any product so ultimately
IRDA will protect the interest of and ensure just treatment to insurance policy holders.

Deal Cadet Deal Cadet
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https://cdn0.desidime.com/attachments/photos/616477/original/IMG-20200511-WA0027.jpg?1589223892Some body sent this on whatsapp dont know the source sent as received
Above report is  true or false
see they are burning holes in people pockets….

Deal Newbie Deal Newbie
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thnks for great insight

Deal Cadet Deal Cadet
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Nice

Beacon Beacon
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It’s unfortunate & extremely disappointing for me to hear allegations done on me (That I being biased, agent etc.).

I don’t want more arguments.

Earlier I thought I will put here health insurance comparison google spread sheet made by me, so that all can take benefit of it. However, after those incidence, now I have decided i won’t put that sheet here openly. Those dimer who want it, can write down your request here. I will pm link. I have already shared link to few dimers & getting their suggestions also.

Note: Currently I have done comparison of Aditya birla, apollo, max bupa, Hdfc ergo, Sbi plan. Work is going on for religare & Star health. Also I have added my own scoring system for comparision. If you are not happy with it leave it or make it by your own (But don’t blame me for being biased). I will add more companies & PSU also in future for comparison as & when time permits me to do so.

Blaze Blaze
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You are doing things for greater good. Don’t listen to all blah blah.

Any recommendations for Critical Illness Policy ?? Should cover major critical illnesses. SA 25L+

Also pls share the link of Google sheet.

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Blaze Blaze
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Any recommendations for Critical Illness Policy ?? Should cover major critical illnesses. SA 25L+

Deal Cadet Deal Cadet
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Voted up bro. Super info. Will be very useful for us.

Beacon Beacon
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Thanks blush

Deal Cadet Deal Cadet
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Hws liberty supra super top up ?

Beacon Beacon
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No idea. I would personally avoid such less famous company…

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Deal Lieutenant Deal Lieutenant
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Very informative and useful thread. Hard work done by OP. Will definitely help many people.

Beacon Beacon
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Thanks blush

Deal Cadet Deal Cadet
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Very good thread. Thanks.

Deal Cadet Deal Cadet
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Great thread my question, term insurance vs health insurance which one should be priority?

Deal Newbie Deal Newbie
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Health insurance

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Deal Subedar Deal Subedar
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Can u suggest me health insurance plan for me and my wife. Age 29 and 27 respectively. I live in a small town. No multispecilaity hospital nearby. We got recently married on 1st feb. I am govt employee. Is there any health insurance plan which also cover term life insurance plan!
13:13
I also have parents 65 and 56 years old but i think covering them will make plan costlier. The medical expense can be reimbursed with my hovt office too but it takes time and also they pass the bill on govt rates. Me, my wife and my mother doesn’t have any medical history where my father is heart patient.

Kg for thread

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