Message Venkat to get genuine term insurance, health insurance, and investment advice. *Paid consulting

Call or WhatsApp me: (91) 9384716268

உடல்நலப் பிரச்சினைகள் இருக்கும்போது மக்கள் என்னை Health Insurance Consultingக்கு அழைக்கிறார்கள். அதனால்தான் நீங்கள் ஆரோக்கியமாக இருக்கும்போது Health Insurance வாங்குவது குறித்த விழிப்புணர்வை ஏற்படுத்துகிறேன்.

YouTube – Watch over 700 Financial Content on VenkatFin Tamil

1.Health Insurance Awareness in Tamil

Why exclusive health insurance?

Why is corporate group health insurance fooling you around?

I created awareness about the importance of exclusive health insurance since people call me after they have minor or major health issues.

Health insurance is expensive, but is it necessary?

3. Insurance is a Trap but please consider | Term Insurance, Mutual funds

Message Venkat to get genuine term insurance, health insurance, and investment advice. *Paid consulting

Call or WhatsApp me: (91) 9384716268

Venkat

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In the dynamic realm of healthcare, choices are continuously evolving. Many individuals may find that the health insurance plan they once considered perfect has become outdated, overpriced, or simply frustrating in recent years. However, imagine the possibility of transforming everything without having to begin anew? Introducing the game-changer that has revolutionized the health insurance landscape in India.

Imagine a scenario where you’ve grown weary of navigating through undisclosed fees, lengthy claim procedures, or a network that seems deserted. Perhaps your increased income warrants a comprehensive plan with more substantial and impactful benefits. By making a strategic move, you have the opportunity to transfer your current policy to a different insurance provider or scheme, ensuring that you preserve the valuable benefits you have worked so diligently to accumulate.

However, what are the compelling reasons behind considering this strategic maneuver? Today, we will explore the compelling reasons behind considering the option of transferring your health insurance policy in India, which could potentially be a wise move for you in the current year.

Let go of your dissatisfaction:

Not satisfied with your current provider? Perhaps they maintain an extensive roster of hospitals that are not covered, or their customer service may leave you feeling frustrated. When it comes to porting, you have the flexibility to select an insurance provider that suits your specific requirements and matches your way of life. Picture a streamlined claims procedure, an extensive network, and assistance that truly provides a sense of support.

Overcoming the Premium Dilemma:

Are your premiums outpacing your income? No need to worry! Switching to a different plan can provide access to more cost-effective options that offer comparable or superior coverage. Bid farewell to the constant financial pressure and welcome the reassurance of knowing that you are receiving the utmost value for your well-deserved earnings.

Embrace Stability, Not Disarray:

Who would want to reset the countdown for pre-existing conditions? No one! When you decide to switch plans, porting ensures that you don’t lose any of the waiting period credits you have accumulated with your current plan. Now, you won’t have to endure lengthy waiting periods for coverage of your knee injury or chronic condition.

Enhance Your Benefits:

As your life progresses, it’s important to update your health insurance accordingly. Porting enables you to enhance your plan to better align with your evolving requirements. Looking for increased coverage limits, extra riders, or the latest advancements in treatments? Select a comprehensive insurance plan that provides you with the confidence to embrace life to its fullest, with the assurance that you will be protected from any unforeseen circumstances.

Take Charge, Stay Empowered: In the current healthcare landscape, it’s important for you to be in control of your own destiny. Take control with porting. With the freedom to select, the ability to compare, and the opportunity to discover the ideal insurance provider that aligns with your specific requirements. Are you feeling confident about your health? Now that’s cause for celebration!

And that concludes the matter. Health insurance portability offers individuals the opportunity to regain control over their coverage, optimize their benefits, and discover a plan that aligns perfectly with their needs. Why settle for average when you can access a realm of superior healthcare options? Feel free to transfer your policy and enjoy the flexibility of selecting a health insurance plan that gives you the autonomy to live life on your own terms.

Keep in mind, your insurance coverage goes beyond just protection; it makes you feel invincible!

Venkat

The post Why Health Insurance Porting? appeared first on VenkatFin.

I have done insurance consulting for professionals across India and for NRIs. One financial mistake most professionals make is believing that the group health insurance offered by their company as an employee benefit is enough for their family. 

Learn why you should have an exclusive family floater health insurance policy on top of your group health insurance policy. (At least for your parents’ sake) 

Note – I am not a typical insurance advisor. I have a clear “No Spam” Policy and won’t ask you to buy insurance through me. Atleast, not health insurance because though I spread awareness, I remain careful on whom I issue health insurance after my consulting. Sometimes, I request them to buy online as some prefer that because of the discount they get.

You should understand this blog is written to create awareness amoung employees in private sector across India.

Before we proceed with the blog, let me clarify how you could consult me.

Consult Venkat for a genuine financial advice – Call or Whatsapp me – (91) 9384716268

If you are looking for a genuine consulting to take term insurance, retirement planning or health insurance, I work with a small consulting fee model. I request for Rs.500 to Rs.1000 after speaking. It depends. It’s negotiable. lol.

Some professionals also take term insurance through me as there’s a human touch in it. Your family member should know whom they should reach out in case of emergency. (I don’t give this commitment for health insurance which has a reason behind it when it comes to how health insurance works in India).

You don’t have time to read. So, let me tell you the reasons why you should have your own family floater or family individual health insurance on top of the group health insurance offered by your company as an employee benefit.

Let’s consider this scenario.

1.An IT employee who is 30 years old assumes he/she has super cool health insurance coverage as their company offers them health insurance coverage for 5 Lakh to 10 Lakh Sum Assured including their parents.

2.He/She meets with an accident and fractured their leg.

3.The group health insurance immidiately works. Vow. It certainly benefits you. No doubt.

4.On another scenario, your Dad was diagnosed with heart disase and needs a surgery.

5.Once again, your group health insurance covers your Father’s heart surgery claim. 100%. Vow. It works this time too.

Did you now realize you freezed your Father’s possibility of getting an individual health insurance policy that’s affordable and comprehensive? He is going to live until he 85 years old. Are you going to manage all further hospitalization expenses of your father on your own in future?

As long as your or your parents are completely healthy, you can always take a new health insurance even when you get retired.

6.Now, let me ask you this. You are in private sector. Do you plan to switch job in the next 10 years in the worst case scenario or can you assure me your company loves to hold you until you turn 58 or 60 years old?

7.Now, when you move to the new company, that company also might offer a group health insurance and it will certainly work.

8.At one point of time, let’s assume you decided to get a individual health insurance for you.

A.Individual family floater for your family (Husband, Wife, Son and Daughter).

B. Parents – Another exclusive Health insurance policy.

9.Now comes the challege. You should convery the health insurance company about your pre-existing diasease. Did our sample policy holder not met with an accident and got treated?

10.The new health insurance company will surely issue your family floater and cover you as long as it’s just a fracture on leg which was healed.

12.What if you had other health complications? The accident injured your head and not leg. What if you had issues in heart? What if you or your dear ones are in initial stage of some cancer. You get diabetes or BP which is very common these days.

13. Now, when you try to take family floater health insurance, the health insurance company’s under-writer will scrutanize your application. After you pay the premium you might have to submit discharge summary, some medical tests required (Example – hba1c reading if you or your parents have diabetes).

14.What are the consequences?

Three Options.

1.The health insurance companies will approve your policy but permanently deny treatment for any further complications which arises due to pre-existing diseases.

2. They will accept your pre-existing diseases but with an extra loading fee.

3.You will never be able to take a new health insurance at all in any of the health insurance companies operating in India. This happens to a few who consult with me.

15.You might be young. But what about your parents. Do you want to trust your group health insurance forever to cover them for lifetime?

It’s high time you consider a family floater for your Mom and Dad. Trust me. This will save you lots of money in the distant future.

16.Do you know what’s healthcare inflation. A surgery which costs 1 Lakh before 5 years today might cost you 1.5 Lakhs and it’s certainly not affordable. And did you check how much health insurance coverage your group health insurance offers?

A family floater of 5 Lakh? 10 Lakh?

Certainly not more than that.

I know a large multi-national company offering group health insurance for 2 lakhs. Dear, this was fine back in 1999. Today, a viral fever admission in a branded hospital will charge you in lakhs.

Every single individual living in a metro city in India should have atleast 10 lakhs Sum Assured. Meaning – 10 Lakhs coverage for you, 10 lakhs coverage for your wife and children.

10 Lakhs coverage for your parents, inidividually or together which depends on your budget.

Consult Venkat for a genuine financial advice – Call or Whatsapp me –

(91) 9384716268

Ask how much is my consulting fee and then proceed.

Note – I will transparently tell you the negative aspects of how health insurance and hospitalization works in India. This is why I depend on consulting fee model rather than issuing health insurance through me. I do it but selectively after I speak to someone about what they could expect from me in terms of support.

I enjoy helping people with retirement plan and taking pure term insurance. If you are planning to take a term insurance, please message me too. Will be happy to work with you.

Venkat

Niva Bupa ReAssure Health Insurance

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The post Why the corporate group health insurance offered by your company might leave you uninsured for a lifetime appeared first on VenkatFin.

I have been doing health insurance, Term Insurance and other financial consulting for the past 2 years. I have also reviewed TATA AIG Products on my YouTube Channel.

Please do not call me for any doubts related to claim settlement. I made this page as I have some humanity and people are searching for Pre-auth form from hospital.

Download TATA AIG Pre-Auth form from Google Drive

Read this article – Why you should not trust Group health insurance?

TATA AIG has to improve their customer service because I used to receive many calls to me when people are not able to reach their customer support. I am writing this late in the night when a TATA AIG policy holder messaged me asking for Pre Authorization form as his wife has been admitted in the hospital.

To my shock, TATA AIG website either does not have this Pre-Auth form in their download page (At this time when I write this blog – Feb 2023), or, none of us could find it.

I feel really irritated because am I an employee of this company or an agent? Why should I care when someone asks me all these basic requirements which is responsibility of TATA AIG.

The hospital admin staff were not accepting the pre-auth form from a TPA we could provide. So, I deleted the TPA information and asked him to use the form. So, I am providing this on Google drive link now.

Kindly do not call me for any support regard this because I am not authorised to answer. If you wish to do financial consulting from me, ask me how much is the consulting fee and then, proceed. Kindly respect other’s time. I cannot spend my lifetime doing such service.

Venkat

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The post TATA AIG Pre Authorization Claim Settlement Form appeared first on VenkatFin.

Call or WhatsApp me: (91) 9384716268

I will guide you to choose the right health insurance policy, provide you with discount in your premium and to provide genuine health insurance consulting.

What’s the best feature of Niva Bupa ReAssure?

Reinstatement of Sum Assured

Niva Bupa ReAssure offers unlimited reinstatement of Sum insured. The best part is that, it is applicable for the same person and even if he/she gets the same illness in the same year, still, their sum insured will be reinstated.

There are many health insurance policies offered by several companies in India which offers similar feature. They do reinstatement of sum insured. Just that, they will not consider reinstating the amount for the same person for the same illness. But Niva Bupa does that well.

When does reinstatement of sum insured happen?

Reinstatement of sum insured is triggered from the first claim itself. This enables you to claim as many times as you require.

Booster Benefit?

If you are not doing any claim during the first year of taking the policy, you are provided this booster benefit? It’s basically a no claim bonus.

I prefer you watch the video about to learn more about Niva Bupa ReAssure.

Niva Bupa ReAssure in English

Niva Bupa ReAssure in Tamil

Venkatraman

Call or WhatsApp me: (91) 9384716268

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The post Niva Bupa ReAssure Health Insurance Policy appeared first on VenkatFin.