NRI DILEMMA - SHOULD I BUY A HEALTH INSURANCE IN INDIA TODAY ? By Dr. Chandrakantha Bhat

Excellent tips, insights and ways to secure your future health with minimal expense. Really liked usage of Top-up plans.

May be below is not applicable in inda , but check this:
If you pay the threshold amount (deductible) of your top-up insurance plan out of your pocket, it wouldn't trigger the coverage of the top-up plan. Here's why:

Policy terms: Top-up insurance plans are designed to work in conjunction with a base health insurance plan. The deductible serves as a bridge between the two policies, ensuring that the top-up kicks in only after the base plan reaches its limit. Paying the deductible yourself bypasses this mechanism.

Please answer,
Is GST EXEMPTION AVAILABLE FOR NRI's HEALTH INSURANCE ALSO?

Very good advice for NRIs. Also many topup plans have an option to convert into a regular plan after 5+ years. Great work sir🎉

My husband would like to purchase a health insurance policy in India .

Very informative... Thank you

I actually took a 1lk deductible plan since I might go and settle abroad and also I intend to use this as a backup only should I ever loose employment in India and I did that before watching this video …but one case I think you did not cover properly is one can always take a claim from 2 policies in the same country , if the claim amount is more than single policy. I think you covered that in an alternate way the same thing when yu discussed the case of taking a 2nd policy to cover the deductible from the 1st policy
But I agree this is the best way for NRI
Thanks

Which health insurance to buy for H1B employee in USA ?

Really appreciate this informative video Dr. Bhat.

Completely disagree with you. If you taking deductible only, it is like giving free money to the insurance company. If you are not returning to India now doesn't mean you need treatment from India. I will take a basic plan and pay money rather than taking deductible which is total waste.

Hello. I am currently 55 years of age , Canadians citizen, planning to stay in India after age 65 for 4 months every year after that. Do you think I should take or can I able to take health insurance in India?
Thanks
Atul

Avoid Top-Up. Go only for Super Top-Up.

Well explained, cleared most of my Doubts.

Well explained content Sir. I lost my health insurance in India recently since I switched employers outside and was wondering if I need to renew. Since you recommended this only for people above 45 or with pre-existing condition , I have planned not to renew it. Thanks for your help.

Being NRI, I was paying health insurance from Bajaj Insurance and they didn't guide me properly

Complete truth

Thank you ! it was helpful

Thank you Sir! Your video's are quite helpful! I have a question.
I'm 33 individual from Nagpur, planning to buy a health plan for self. I was planning to buy HDFC ergo restore plan with 5 lac cover.
But my nature of job is such that I might have to work outside India for more than an year. In such case what should I do? Should I buy any other plans with 1 or 2 lac cover adding super top up so that it will have less premiums while I'm out of India.
If yes, can you recommend any good health plans which offer option to choose less cover + super top up? Because HDFC dosen't provide option to choose below 5 lac cover. Kindly advise. Thank you in advance!

Excellent information from all of his videos.

This video was really helpful. Myth around the increasing premium was explained perfectly . If I understand all the points in video I can kind off derive a conclusion that if someone is below 40 can either skip buying health insurance in India now or take a one with minimal price .

I'm so happy to have come accross your Channel last week. Have been watching almost all the videos. This is one of the high level information you are providing on every aspect of financial journey., Not only to NRI's, I'm sure it'll help the general public. Thank you so much for your time and effort Sir.

Many Dr's in UAE advise to go to India for treatment of any major ailments. In that case if u don't have H Insurance in India it will make a big hole in your pocket. We need to consider this angle also.

What would happen if you have 2 insurance policies say 5 lake each and an expense is 7 lake. Can both be leveraged to cover in full?

I like your content, its precise and informative and explained very simply.

Perfect tips and could not to be found easily

Very logical and useful advice👍

Well explained Sir, that means Life insurance is not fully friendly and economical in case of some plans.

Very well explained need of the hour

Very well explained 👌👌