⬛ [Secrets Revealed] How to find the BEST Health Insurance Policy? ft @BWealthy

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Finding the right health insurance policy for yourself and your family can be a daunting task, but it's essential for your financial and physical well-being. Here's a detailed guide on how to find the best health insurance policy.

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Chapters:
0:00 Introduction
2:20 Who needs health insurance?
5:01 Ideal Cover?
6:44 Room Rent Locha
11:02 Sub Limit
11:21 Co-Pay
11:41 Zonal Policies
12:59 Reasonable & Customary Clause
15:24 Top-up vs super top-up
20:24 Pre & Post Hospitalization
21:07 Daycare coverage
21:30 Extended Coverage
21:40 Waiting Period
22:04 Waiting Period (pre-existing diseases)
22:38 Waiting Period (slow-growing diseases)
23:44 No claim bonus
24:08 Ambulance charges
24:21 Cashless Hospitals & Free health checkup
25:36 How to make a list?
31:19 How to find the best health insurance policy?
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PLAYLISTS :
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#healthinsurance #insurance #moneymindedmandeep #LLA

[Abeautifulmindclinic]

I am Doctor Myself but knew not much despite having a policy since 13 years though never needed to claim it You cleared all My doubts thanks a lot we Share & Discuss your Video with our Team so all can benefit form this Wonderful Effort You have Put in

[srindians]

This is the content what peoples need actually, because no one can do this such kind of hard research on health insurance data, except our beloved LLA team, Mandeep Bhai love you yrrr😇

[amarjoshi]

I was searching for the most detailed analysis of Health insurance. I didn't knew even basics...this video helped the most

[jaysrivastava]

Wish we had such teachers in every school for financial independence.
Loved this video. Very helpful and informative.

[vysakhc]

Hey Mandeep after studying all the points in the video I had purchased an health insurance policy of Star Health for my parents from policybazaar in 2021 July.

Last week my mother was admitted in their network cashless hospital and the hospital insurance desk sent a request to STAR for claiming cashless facility. However Star sent a list of documents to be submitted by the hospital like past records scan reports and a biopsy report. Everything except the biopsy report was sent from the hospital since my mother had the surgery only on 14th and biospy result will take 10 days. But Star has now initially denied the cashless claim saying that required documents were not submitted.

Here comes the policybazaar part. Hospital authorities asked us to consult with my agent as Star has denied the initial claim. And I called the relationship manager of policybazaar allotted to me. And funny enough that person said she is not my relationship manager and she will arrange a callback from the manager. Now if she was not my manager then why did PB sent tons of mails wishing me happy new year and all from her number mentioning her as manager.

And I received the call after 2 hours. As you said in the video you need to know the mental state of the people in hospital and you said PB will help. Now the new person asked me to ask the hospital to sent the documents to policybazaar. Then I had to go to insurance desk and ask them to sent them to my agent which they said they wont as they are not authorized to share it with third parties. I called him again and mentioned this and now he was saying that yes they wont share since we are a third party. Then why the hell did he waste my time asking the hospital to sent it to them. Finally they allowed me to take pics of documents and I sent it to PB. Mind you this should be the job of claims department in PB and now I am doing their job. I called them and said I have sent the pics and this guy Karan(who asked me to sent pics) said Vaishnav will follow up on your case soon. Till now no guy by the name of Vaishnav has called me.

Today is my mothers discharge date and we are again going to apply for cashless with a new set of documents. So the part where you said PB will be there with you during claim process is utter bullshit. Its just you vs the insurance company. I will update this comment after today.

Edit : Cashless claim denied again. Nobody from PB came to the hospital/checked with me/followed up with me. Now will apply for reimbursement when I receive the biopsy reports. So Mandeep all the points regarding insurance is fine but everything in the video regarding policybazaar is bullshit. They allot a relationship manager to us and the person will never call us. What irritated me most was that their claims department straight up lies to you saying that you will receive an update in 1 hour. But from yesterday to today nobody called me and I ended up calling them 8 times and received no update.

If the reimbursement comes through the first thing I am going to do is to change from PB to a local agent. Since your motto is Jagruk Janta I think it falls on you also to update your viewers on how PB really do their claims.

[sowmy]

Sleeping IRDAI..Very well said Mandeep bhai.
Logical thinking if had persisted we would had better healthcare and educational facility in our country

[Uttarakhandroots]

What a great content! Looking for such a comprehensive know-how about health insurance since years. Thanks a lot Mandeep for making this beautiful content for mass awareness. God Bless You!

[ayushjalan]

I have never learned about insurance with THIS level of depth. Loved how it was all straight-to-the-point and so informative! Definitely worth a like!

[GeniusAjinkya]

youtube is creating a difference with the help of you people. So much info in such structured manner and no money for it(for the viewers).Real thanks to you

[coscomosco]

Thank you LLA, for also providing caption support in your videos. I never understood the importance of captions in a video. But, recently I had to visit a insurance office and required some knowledge regarding health insurance. But, I was in train and it involved a lot of noise. The captions helped me understand the video with ease.
Thank you

[_IshikaGupta]

Thankyou bhaiya!!!! apne jitne depth and achese samjaya utna toh koi apna bhi na kare. Itne simplified way mein aap jese guide karte ho kya hi batae ekdam trust sa baith jata h. As a student, your channel is the number one preference channel for any financial guidance that I need. Jabh koi sahise guide karne wala na mile tabh apka channel mila h ! Thanks again for offering this level reliability.

[sainathkomakula]

Salute to Labour Law advisor team, Hats off.

[ray]

Have only watched it for 5 mins, but am already blown away by the editing and the creativity of dealing with this really hard topic. Awesome job!

[aseemsharan]

This video is the reason why LLA stands out from all other financial channels.

You'll reach many great heights. Keep doing the work.

[chiragarora]

I always wonder why they don't teach us these topics in our educational institutions. Hats off to you for making such an elaborate and to the point video . I was about to buy my health insurance and this helps a lot . Thankyou for this super amazing video 🙏🏻🙏🏻🙏🏻

[sunnysharma]

Without watching giving a like ✌🏻🙏 thats d kind of trust you have gained for the people 🤝

[MrRocrma]

This videos shows that most insurers are covering up ways NOT to pay or pay fully. Thanks to people like you and Swati madam to open our eyes.

[amolgurung]

Now this is what I was looking for to have a checklist before opting for a health insurance.
Really thanks for such a detailed, informative and interesting video.

[p.n.]

This is the best video ever seen on this topic.. thanks a lot.. Ppl will definitely get benefits if the follow this list. Much blessings to you 👍🏼

[dhruvsakkai]

A highly complicated thing made very simple. Hell, the insurance was shocked when I asked him point by point all the things I need in a Health Insurance Policy. Kudos to the great work. Keep it up !