*FACTS & MYTHS* Around Insurance
#healthinsurance #terminsurance
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Chapter 1 - Insurance
00:54 Why Insurance Is Important?
02:35 Most common type of Insurance
03:36 Why Term Insurance Is Important?
Chapter 2 - Health Insurance
04:16 How does a Health Insurance works?
06:01 How to choose the best health insurer?
09:27 How does a health insurance advisor help in selecting health insurance?
11:10 Benefits offered in health insurance.
14:48 Restrictions in Health Insurance
16:28 Room Rent Capping in Health Insurance
19:42 Copyament In Health Insurance
20:40 Consumables in Health Insurance
21:19 Deductibles in Health Insurance
25:39 Zero Waiting Period
28:42 Permanent Exlusions
31:49 Claim Settlement in Health Insurance
33:30 Point to take care so that claim don't get rejected by insurer
33:50 Deciding the Ideal Cover Amount
39:33 How does medical inflation impact health insurance cover?
44:50 Self-inflicted Injury (Permanent Exclusion)
48:42 Where to get genuine health insurance advise?
73:22 Age of entry in health insurance
Chapter 3 - Term Insurance
52:11 What are the things to keep in mind to get smooth settlement of Term Insurance?
54:55 Why Insurers get the medical test done before approving term insurance policy?
56:22 Does smoker get term insurance?
57:42 How does an insurer defines smokers?
61:46 How to calculate ideal cover for term insurance?
64:40 Eligibility criteria for term insurance
66:44 Why education is important to get term insurance?
68:21 When should I buy term insurance cover?
70:00 For how long should one buy a term insurance cover?
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Welcome to our channel! 🌟 In this insightful video, Jyoti engages in an insightful conversation with Nidhi from Algates Insurance, unraveling the myths and facts of insurance in securing future.
🔒 Why Buy Insurance?
Jyoti questions Nidhi about the significance of insurance in financial planning. Nidhi explains how insurance acts as a shield against unforeseen financial challenges.
💡 Health Insurance Tips:
Navigating through the complexities of health insurance, Nidhi shares valuable insights on choosing the right insurer, understanding claim settlement ratios, and avoiding common pitfalls in health insurance plans.
🤝 Trustworthy Advisors at Algates Insurance:
Learn why trusting your insurance journey to Algates Insurance can make a significant difference. Discover their recommendation to opt for insurance from the top 3-4 insurers in India for a hassle-free claim experience.
🏥 Understanding Health Insurance Plans:
Delve into the details of health insurance plans, exploring what should be covered, restrictions like room rent limits, disease-wise sublimits, and the importance of choosing wisely to avoid out-of-pocket expenses.
📋 Exclusions and Waiting Periods:
Nidhi breaks down the critical aspects of exclusions, waiting periods, and disease-wise limitations in health insurance policies, shedding light on how to make informed decisions for comprehensive coverage.
💼 Term Insurance Demystified:
Transitioning to term insurance, the discussion covers topics like eligibility criteria, factors influencing coverage amounts, permanent exclusions, and the ideal time to secure a term insurance policy.
💰 Determining Term Insurance Coverage:
Nidhi shares practical tips on calculating the ideal coverage amount, introduces Algates Insurance's term insurance calculator, and explains how to align coverage with the financial needs of your loved ones.
🔄 Renewing and Extending Coverage:
Explore the considerations for renewing and extending term insurance coverage, understanding the maximum age limit, and the relevance of having coverage until retirement.
🔗 Insurance and Trust:
The conversation concludes with insights into building trust in the insurance industry, emphasizing the importance of transparency and honesty during the policy acquisition process.
👥 Connect with Algates Insurance:
For personalized insurance solutions and expert advice, reach out to Algates Insurance. Trust us for a secure and informed insurance journey.
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****Disclaimer****
This channel is owned by Algates Consulting IMF Private Limited (Algates Insurance) - an IRDAI Registered Insurance Marketing Firm. The content is designed for educational and informational purposes only and shall not be construed as investment advice, solicitation, recommendation or endorsement of any kind. Please evaluate all the risks associated with the use of any information or other content on this channel. We will not be liable for damages of any kind resulting from such use.
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