Health Insurance With or Without DEDUCTIBLE ? 🤔 | With Excel Calculations | Gurleen Kaur Tikku

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When buying a health insurance policy, lots of factors need to be considered to get the right coverage within your budget.

One important factor that can reduce your premium amount is the deductible.

Deductibles are the amount paid towards your medical expenses before you can raise a claim.

In this video , we will explain that whether you should buy health insurance with deductible or not ?

WATCH THE VIDEO FOR MORE DETAILS :)
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✅ TIME STAMPS :-
0:00 Introduction
0:18 Deductibles Explained
1:34 Deductible or No Deductible
2:04 Deductible Explained With Excel
9:05 Health Insurance Deductible
10:17 Bloopers
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#deductible #healthinsurance #gurleenkaurtikku

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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 18 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.
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यदि कॉर्पोरेट हेल्थ इंसुरेंस है तो dedcutable लेने मै कोई नुकसान नही है, क्योंकि हम बड़ी policy बड़े रिस्क को कवर करने के लिए ले रहे हैं, छोटा मोटा ४- ५ लाख तक का claim तो corporate policy से कवर हो जायेगा, जब तक जॉब है तब तक deductable फायदेमंद है।

MrSetu
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Mam, Nicely explained . Can you help explain Aggregate deductible / Cumulative deductible for a family floater plan ?

premimw
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Nice video, Thanks for your transparant work👍

akshaynikam
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Thanks for the valuable information
Do we need to intimate to insurance company for the first claim, if it is being claimed in corporate insurance

Kishore.
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Thanks Gurleen, however i would like to know if i need to calculate the excel with age and inflation, how much percentage we should consider. I got this question from almost 15 members, so please give your comment with considerations for inflation and age with %age with some approximation/assumption

goodandcoolboy
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Very useful information, thank you so much.

vandana
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Excellent video Ma'm..
I think 1 correction is required in the excel illustration..

If 1lac deductable is opted & claim is made in 5th year.. then the insured will save 68, 000-1, 00, 000 = -32000 (not 4000). Kindly clarify. 5:11 Thank u

gopgopful
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So for deductible, like i have 1lac deductible from optima secure. So do i need to pay 1lac first then meet the insurance guy in the hospital. Or do i go to the insurance desk and apply for it and they will let me know that once the bill is generated, first i will pay one lakh then the insurance company will pay..

CNNBROADCAST
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Very good explanation on deductible amount 👏👏👏

cb-jnfj
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What happen when I have opted for deductable 50k but my first claim amount is 20k only. Will remaining 30k will be adjusted in next claim or my next onwleds claim for the year will be paid by insurance company.

amitgpatil
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Mam someone told me that if you opt for deductable you can not port to other company or your waiting period will again me counted from 1st of of porting the policy..is it true?

geniusr
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Aapki videos dekhta hu bhut acha btate ho aap.. Aapse request hai ki t. P. A services or rules ke bare mei bhi videos banaye... Aapko support krte rahenge.. ❤🙏🙏❤

sushantsharma
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Maam humne 1lakh deductible liya aur in future me Kya usko hatasakte hain ya nahi, air kisi ko koi disease diagnosed hogi ya claim lega to us time bhi deductible remove options rahega ya phir underwriter decid karenge

yousufpasha
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If deductible amount is 1Lakh
And my first claim comes out to be only 2000INR
So I will pay 2000INR from my pocket, but will I be able to claim 100% from insurance for my 2nd claim if the claim comes out to be 98, 000? Or do I need to pay a complete 1Lakh from my pocket for “all Summed up claims” ?

IndiaDigitalNomad
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Can we pay deductible amount from other insurance??

nupurkapadia
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Mam please make a Video upon the "What are the Advantages of LIC Aarogy Rakshak Health Plan over the Conventional Health Plan, and What are the Negatives of this Plan as compared to Conventional Health/Mediclaim Plans"

souviksaha
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is deductible are buy back in niva bupa 2.0

frbjuqk
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Thank you! Your videos are very informative and help during a lot of instances. Great going, please continue your good work.
Time frame 5:15 - Not sure but don’t you have to show a loss of 32K at the 5th year claim with 50% deductible?

mits
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Mam agr inflation ke sath every next year premium increase hota gaya tb toh sara scenerio change ho jyega

neerajrai
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Thanks Mam for the excellent information. could you pl tell me whether the deductible option can be revised at the time of every renewal ? Or else, what are the conditions regarding the deductible option?

Satya