देश के सबसे बड़े प्राइवेट बैंक एचडीएफसी बैंक के मालिकाना हक वाली जनरल इंश्योरेंस कंपनी एचडीएफसी अर्गो ने अपने हेल्थ इंश्योरेंस ऑप्टिमा रिस्टोर इन्शुरन्स पॉलिसी की प्रीमियम को लेकर बड़ा बदलाव करने जा रही है।
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#hdfc #hdfcergo #healthinsurance #hdfcinsurance #hdfcergoinsurance #health #lifeinsurance
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NewsTranscript
00:00The largest private bank in the country, SDFC Bank's general insurance company, SDFC Ergo,
00:07is going to make a big change with its health insurance Optima Restore insurance policy premium.
00:14People associated with this policy may find it to be a big shock.
00:18It will also have an impact on their pockets.
00:21So, on what basis has this decision been taken?
00:24And why is such a change being made in the premium?
00:27We will tell you about all this in this video.
00:30The company has emailed all its policyholders and given this information that
00:34the inflation rate of treatment in India is the highest in Asia.
00:39It has reached 14%.
00:41And seeing this, SDFC Ergo is going to increase the premium rate of its health insurance Optima Restore insurance policy from 7% to 12%.
00:53Prior to this, in the month of August, SDFC Ergo increased its premium for its major health insurance products Optima Secure and Optima Restore.
01:01And the reason behind this was that SDFC Ergo took back its three insurance plans from the market.
01:08The health insurance policies that SDFC Ergo took back include three different variants of My Health Suraksha plans.
01:15The company took back My Health Suraksha Gold, My Health Suraksha Platinum and My Health Suraksha Silver plans.
01:22It should be noted that there were four variants of SDFC Ergo in the market.
01:25The company continued its fourth variant, Koti Suraksha.
01:29The company said that after August 7, 2024 or after that,
01:33the new health insurance plan of the company can be shifted to the SDFC Ergo Optima Restore plan.
01:42The company also clarified that if a customer has received a bonus on the three policies that have been closed,
01:50then it will not be a loss for them to shift to the new policy.
01:54Their bonus will be transferred on the occasion of the renewal of the new policy.
01:58Not only that, customers will continue to get access to all the hospitals that they have received under their previous policy.
02:04The features of these policies are almost the same.
02:07In this case, there is no hope of a lot of effect on the premium of the customers.
02:11Here, according to the guidelines of the Insurance Regulatory and Development Authority of India, i.e. IRDAI,
02:17SDFC Ergo said that according to its underwriting guidelines,
02:21all existing policyholders will be provided with the option of policies such as Optima Secure and Arogya Sanjeevani with senior citizens.
02:29But apart from all this, SDFC Ergo did not say any reason to discontinue these policies.
02:35The information of the insurance sector says that the treatment has increased rapidly in expenses.
02:40At the same time, insurance companies have reduced the waiting period for existing diseases from 4 years to 3 years from April this year.
02:49Due to these two reasons, the premium of the insurance policy has increased.
02:52In health insurance, the waiting period is the period for which you have to wait before getting the benefit of insurance.
03:00In the pre-existing condition, the meaning of the maximum waiting period is that
03:04if you are already suffering from a disease, then you have to wait for a certain waiting period to end in health insurance before claiming any benefit.
03:14Apart from this, if we talk about other companies, then Health and Allied Insurance has said that
03:19it is planning to increase the premium of 10-15% for its 30% products.
03:25Nivabhoopa is increasing the premium for its health companion, one of its oldest products.
03:31The country's largest insurance company, New India Insurance, has increased the premium by 10% for some of its products, which will be active from November this year.
03:40In this case, the increase in the premium of the insurance policy should not keep the common people away from the insurance policy.
03:48So what is your opinion on this news? Tell us in the comment box and share this video with your family and friends.
03:54For more such news and updates, keep watching Good Returns.
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