Hercules Insurance

🚨Policy Comparison Series-Aditya Birla or HDFC?

Two of the best health insurance plans in India—
But which one should you buy?

Aditya Birla Activ One Max
vs
HDFC Ergo Optima Secure+

Both policies come with unique features
🩺Optima Secure+ comes with 2x cover and a 100% bonus every year
🩺Activ One Max comes with a good rewards program,

HDFC Ergo has a strong claims settlement track record,

Here is a detailed comparison 👇

2 months ago | [YT] | 0

Hercules Insurance

A follower messaged us yesterday about their hernia surgery at a top Mumbai hospital.

The total cost=11.04L

Yes, 11.04L for a hernia surgery,
We were shocked and stunned by the cost,

If this is the cost for a small hernia surgery,
What will be the cost for bigger surgeries?

So is it a crime to get hospitalised in Mumbai?
Has quality healthcare in Mumbai become a luxury only the ultra-rich can afford? 🏥💸

2 months ago | [YT] | 0

Hercules Insurance

🚨Many People have asked me,


Which insurance policies do I have?

First of all,
Every person has a different life situation and a different need,
So there is no one policy fits all,




But here are my insurance covers👇



Health Insurance:-



I have two families,
One of my parents and my brother,
Other is myself+wife and my son,



So for my parents, I have a 25L Optima Super Secure,
Due to the bonus, it is already at 1cr.

For my family, I have 25L Niva Bupa Reassure 2.0
Due to the bonus, the cover is already at 1cr,



On top of this,
I have an ICICI Lombard Super top Activate booster of 90L.
I built this up as I wanted to top up my cover at a cheap premium,



Term Insurance,

I dont have any loans,
But have dependants in the family,

I now have a 4cr term insurance with HDFC life,
I only have a plain vanilla term plan,
This will expire at the age of 65 years,

No LIC policies,
No ULIPs.
No whole life insurance policies,

Just plain vanilla term plan.



Critical illness policy:-

Since my family has a history of critical illness,
I bought an ICICI Critishield policy for my wife,
The cover is just at 40L, but it is a really good policy.



Net Net,
With this, I feel my entire insurance needs are fulfilled,

P.S. Giving this disclosure as many people ask me about which policy I have,

4 months ago | [YT] | 1

Hercules Insurance

🚨Optima Secure+-How a deductible can effectively lower ur premium?



HDFC Ergo Optima Secure+ offers massive savings on the addition of a deductible

A deductible of Rs 25,000 can lead to a saving of 22.5% on ur premium,
A deductible of Rs 50,000 can lead to a saving of 40% on ur premium



So,
On a 1 lakh premium, you end up saving about 22.5% on the addition of Rs 25,000 Deductible

4 months ago | [YT] | 1

Hercules Insurance

🚨Mega Comparison Series-Clash of top policies

ICICI Lombard Elevate
Vs
HDFC Ergo Optima Secure
Vs
Niva BupaReassure 3.0

All these policies come with unique features
🩺ICICI Lombard Elevate comes with unlimited bonus and unlimited claims
🩺Niva Bupa reassure 3.0 comes with an unlimited sum insured
🩺HDFC Ergo Optime Secure comes with 2x cover from day 1

Here is a detailed comparison of all these policies👇

9 months ago | [YT] | 6

Hercules Insurance

🚨Checklist to buy a term Plan

Term plan is the only life insurance to buy
🩺When to buy a term plan?
🩺How much cover should you buy?
🩺Uptil what age should u buy?

Here is a list of things you need to keep in mind before buying a term plan

9 months ago | [YT] | 3

Hercules Insurance

✨ Hercules Insurance wishes you a Happy and Healthy Diwali! 🩺

11 months ago | [YT] | 5

Hercules Insurance

🚨Restoration Benefit-The most important feature now?



Sum insured=10L
Claim pased=48L(in multiple claims)



Just like an Unlimited buffet,
Restoration benefit reinstates the sum insured unlimited no of times!



Which policies offer restoration benefits?🤔🤔



A thread🧵on restoration benefit and which policies offer this benefit?👇
x.com/NIKHILLJHA/status/1919231313707418003

1 year ago | [YT] | 4

Hercules Insurance

🚨Premium hikes in Health insurance

Many people are surprised by the premium hikes they see at renewal of health insurance


Many times premiums are hiked by 20-50%!😱😱



Why does this sudden jump in premium happen?🤔🤔



How can u control premium hike in health insurance?



A small summary on premium hike in health insurance👇

1 year ago | [YT] | 9