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Alyve Health's Personal Meeting Room - Shared screen with speaker view
Sachchidanand Karna
12:15
Hi I have confirmed details for top up plan. I have other medical insurance cover also running so can I take only top up. Or I have to compulsorily opt for base plan also.
Priyanka
13:13
We will answer this question at the end of the presentation
Neha
19:39
I have a base insurance which runs from May-May every year. I have had to make a claim on my exiting policy in Nov 2021. Can I opt for top up to cover for any claims if needed before my current base policy renews in May 2022 or do I opt for IIT foundation base cover?
Saket Sarraf
23:21
How will the claim be handled. Currently an agent does the running around. What happens with this policyAre there any kind of caps on what will be reimursed for a single claim, even if the policy is for 5L?Will different dates between base policy and top up policy be a cause of worry?
Samir Chatterjee
23:26
In case of the unfortunate death of the proposer what happens to the renewal of the policy in subsequent years
Umesh
23:45
Question: I had registered for this program earlier but given I have an insurance from my employer for the time, I'm wondering if I could join next year or at some point in the future instead of now.
Vinod Mogadala
25:00
I have a base policy in HDFC ergo around 6 Lacks, which covers me, my wife and son. Now I would like to take top up of 5 Lacks including my parents. Will my parents also cover in this policy including the base policy.One more question, If new baby comes into our family, can I include at later point of time.
Varsha Rajadhyaksha
25:27
I have pre existing diseases , will they be covered
Bishwa
25:35
Can I change the covered members from my parents to my in-laws before the policy starts/before payment?
Neha
26:33
Can the 5L floor for top up be breached before the top up startes
Samir Chatterjee
27:05
I also have another Mediclaim policy of Rs1.5 lakhs. Suppose my expected medical expense is 1lakh , so which should I use my own policy or base policy of alumni
Shravan Kumar V
28:16
hi, thanks for the much needed initiative.I saw the quotation. I felt the pricing is not competitive. I took a group health insurance for my parents from BajajFinserv. They charge less amount, and with 0 CoPay, no room cap limitation, and without any restriction like pricing to hike when claimed in an year.1. can the copay be removed ?2. can room capping be removed ? in a normal hospital, one of my relative was charged about 20k when admitted due to COVID. The 10k room capping can mean that even doctor charges and other things are also not claimed fully with this clause ?ThanksShravan
Ashok Samsi
28:50
Originally I opted for only base policy now I can add Top-up policy?
Saket Sarraf
29:50
What happens if the group insurance program is discontinued?
Partha Das
30:15
I registered for Base Policy as well as Top-up policy. I could verify the covered members on the Alyve portal for the Base policy. However, when I tried to verify covered members for Top-up policy, I get a message "under review". How should I go forward?
Umesh
30:19
Question: I have an insurance from my employer for now but I won't have it once I'm out of the job. Right now, given my other insurance, I think a top-up with Alyve makes sense for now. Once my other insurance with the employer is closed, would this top-up policy with Alyve help as a base or would I need to buy a separate base policy?
Saket Sarraf
31:35
what happens if we go for a higher tariff room (in case of non availability)
Soami Saran
32:36
As "Base" and "Top-up" were not very clear so far, I had entered my choice for "Top-Up". Can I now change it to "Base"?
Sachchidanand Karna
33:01
Suppose I start with only Top Up policy, Can I add / enter into Base Policy a few years latter besides continuing with existing Top up policy.
snandi
33:23
Thanks Shashank for this info session.
snandi
34:07
1) can I subscribe to this at any point in time (like later years) 2)
snandi
34:39
2) can the top up coverage be converted to base + top-up at a later point of time
Kunal Mukherjee
34:49
Are daycare treatments included? What about domiciliary?
Prathyusha Kakarla
36:21
Can we take top up 5 Lakhs anytime or we need to take with the base only?
DebabrataChakrabarty
36:52
can I add the top up option to my base plan in future, if not chosen now?
Samir Chatterjee
39:47
Can we have physical health cards?
Jayanta Mahato
40:24
how do i know which hospital is included in my health insurance policy in my locality?
Naba Gopal Pathak
40:39
can I take the policy say after 3 yrs .. once my company policy expires?
Abhik Jana
40:40
What all hospitals come under this insurance?
Ayan Chakraborty
41:18
1. Is the insurance Cashless?2. How will the premium change over the years?
Saket Sarraf
41:25
There was some kind of PPN restrictions. Can you elaborate
Susmita Kundu
41:33
Can the Billing and Shipping address be different?
Dipankar De
41:33
How ITAX benefits are being offered?
Geeta Prakash
41:35
If we have an existing policy can we close it?
Dipankar De
42:13
Will a payment receipt from the Insurance company be made available?
Avijit Sen
42:34
Thanks for this I initiative. Will be great if you can give an example. like I already have a co e of 7.5 lakhs for me
Sneha Ravichandran
42:52
Next Premium for those who made claims will be more compared to non-claimants?
Rajeev Gupta’s iPhone
43:04
Can't we have 100% claims rather than 90%. We should negotiate that IIT Kgp Alumni need not pay 10% CO pay.
iPhone CSV
43:35
If my current insurance disallows some expense like cataract ( less than 5 lakhs ), can I claim in the alumni top up ?
Geeta Prakash
44:01
Can someone help us compare our existing policy and this one? So that we can cancel that and start only your policy with the Top up?
Madhujit Roy
44:07
I already have base policy for myself and my wife. However, my mother does not have a base policy. So, what type of policy for group medical insurance is advisable for me ?
Avijit Sen
44:08
sent too early. now if I take both base and top up and if the amount is more than 7.5 lakhs then will I get the remaining amount from the base and top up?
KRISHNAMURTHY REDDIAR
44:10
Al Registered on web and paid registration fee of Rs 500. for top up only. I understand beyond age 70 base policy not given by commercial insurance companies. Can we add base after the existing insurer stops coverage on the way
shashi
44:34
I have medical insurance from my company, my thought is to treat that as my "Base" policy and opt for top-up here. Is that acceptable ?
Geeta Prakash
45:26
How does the deductible part actually work out during the claims process?
Sneha Ravichandran
45:57
Cataract can be claimed without hospital admission?
shashi
45:59
does the co-pay apply for top-up as well ?
Kunal Mukherjee
46:08
Any plans to have higher top up options - 10/15 lakhs? If so, by when? Next year?
Naba Gopal Pathak
46:30
threshold of 5 Ls for each individual or for total claim in total ?
Dipankar De
46:53
Is there any NCB for unclaimed years in the policy?
Arpita
47:05
Is the premium amount different if one starts the policy afresh as against someone who has been enrolled for a few years.
Sneha Ravichandran
48:30
Alumni base policy will work with my existing top up policy ?
Aishik Halder
49:35
Can I avail Tax benefit against the premium paid?
Arun Kumar
49:45
what is the meaning of flexibility in this policy in between the policy add or delete members?
Indrajit Mukherjee
50:41
Whom to contact in case there is issue/dispute in cashless processing in PPN hospital or any other matter for clarification? Any mobile number or point of contact to be provided in health card who will help as and when any member is hospitalized?
krishnakkumar
50:53
In 6 lives, can we cover self + spouse + Parents + Parent-In-Laws. Can we have this flexibility if possible??
Arun Kumar
52:40
I want to add my new baby without adhar card or any government id at present. is it possible?
Saurabh Gupta
53:49
Questions:1. Could you please share the registration link and portal link to find out the premium?2. Could you please share contact details to reach out later for any clarification?3. When will window-2 open and in how many days would a person have to finish the process?4. How to get the recording as i noticed that it is being recorded?
iPhone CSV
55:24
Can I change from top up to base policy or vice versa at the end of each insurance period ?
T Chakravarty
55:39
Is Covid covered?
Snehasis kundu
55:45
Many thanks to the IITKGP MI team and Alyve members.
iPhone CSV
55:51
If my current insurance disallows some expense like cataract ( less than 5 lakhs ), can I claim in the alumni top up ?
Umesh
57:19
@Shravan, your quotation from Bajaj Finserv is their stack rate or a special rate via a larger program such as an employer?
Piyali
57:24
Will the premium amount increase every year or after a certain age? If yes how much?
T Chakravarty
57:59
Is there a no claim bonus?
Snehasis kundu
58:09
I have two questions: 1. can this premium amount be used for Income Tax deductions under 80G? 2. In the age range of premium breakage, e.g. (31-35), is it also applicable for 35+ up to reaching 36?
Pankaj Singh
59:08
Initially , the policy Premium was to be on the age of the alumni . Today It has been stated by you that it will be on the oldest person in the group . Why has it changed ?
Kunal Mukherjee
59:51
Waiting period credit addition - is it permitted by IRDA at all?
SHAYAN CHAKRABORTY
01:00:06
Can we join the group insurance program the next financial year 2022-23? Since I joined late, maybe I missed a point or two that gave been discussed early on..
Saurabh Gupta
01:00:35
Subsequent questions from earlier set:5. Is there any dynamic dummy insurance (common buffer). What it means is that if someone from the alumni group needed more money for treatment, alumni can use (money from common bucket could be used by anyone from the group)6. if insurer is changing in subsequent year, wouldn't the premium be increased significantly?
Abhishek Chansoria
01:00:48
can we opt for both, that is a base and a top up?
Bishwa
01:01:43
can you share your helpdesk details?
Karthik
01:03:38
please let us know the Network hospitals?
Paawan Sinha
01:04:00
Whether copay is applicable in top up policy?
iPhone
01:04:27
I am a beneficiary of CGHS which is not an insurance scheme. No premium, no sum assured. Can I use this group insurance as a measure to fill any out of pocket expenses which are not covered by CGHS?
Nirmal Agarwala
01:06:01
can I start base policy after 6 months.
Piyali
01:16:28
Is there any provision to increase the top up cover amount to more than 5Lakh maybe after some years later?
Aakash Singh
01:16:41
Is it possible to have option for more than 5 lakh coverage, as in today's time 5 lakh is too less to cover even a non serious hospitalization?
Neha
01:16:54
Thanks for your response Shashank. Is the 5L base/top per person insured or all cumulative persons covered in the family?
Geeta Prakash
01:18:40
Could you please explain again how the base and top up policies work
Aakash Singh
01:20:38
Will there be restoration of coverage for other members if one of the person from the family has used the coverage amount?
Umesh
01:22:47
Thanks a lot to all involved behind this initiative. Got to go. 🙏
Aakash Singh
01:24:47
What percent of year on year increment will there be on premium amount?
Avijit Sen
01:25:56
the registration form asks for member ID of alumni chapter. but I am not yet registered with the pune chapter. what should I mention in the corresponding fielda
Aakash Singh
01:27:18
I have selected this policy as base policy and I already have another base policy, will I be able to use this one instead of the existing one in case of hospitalization?
Anubhav
01:29:17
Is this cover knee transplant, heart related disease?
Jayanta Mahato
01:30:15
if I select the top up option only what will be the premium amount.
Sudeshna Sarkar
01:31:14
Can a "base" insurance policy be used for excess amount after employer insurance?
Geeta Prakash
01:36:14
Do you have any local support in pune?
Srikanth
01:36:41
Thanks for the presentation, Q &A
Jayanta Mahato
01:41:26
Thank you for the presentation.
Prathyusha Kakarla
01:41:30
Can you please share the cashless hospitals list
Karthik
01:44:10
I have employer insurance which doesn't cover my parents. Can I take base policy for me and parents, and take top up policy only for my wife and kids?
Bishwa
01:47:06
Thanks Shashank for explaining the nuances
Shravan Kumar V
01:48:03
hi,thanks for the initiative. hope to connect with greater kgp family
Kunal Mukherjee
01:51:08
there are plans which allow entry at any age
SHAYAN CHAKRABORTY
01:51:40
I m having a personal insurance with oriental insurance com. can i convert the existing insurance com to new india insurance com.
Rajeev Gupta’s iPhone
02:05:53
https://www.iitkgpalumnifoundation.in/
Sneha Ravichandran
02:06:27
Not able to confirm details as button is disabled (Under Review), Nominee Wife Initial wrong but correct under covered, it shows 2 purchases (duplicate) in my account. Please help to correct
rima namhata
02:08:00
I have an individual policy with NIC with parents covered. I have opted for 5 lakh top-up policy from IIT for parents. I also have an employer Mediclaim policy. Can you enlighten how to use ?
Piyali
02:08:28
Thanks for such a nice presentation and replying to all queries. Please do share you contact details for further clarifications. Thank you.
Saket Sarraf
02:11:23
Thanks Shashank for your very patient answering of all the queries.!
Saurabh Gupta
02:11:32
Thanks a lot Shashank..
rima namhata
02:11:35
Thank you, Shashank.
Shashank (Alyve Health)
02:11:47
9920051486
Shashank (Alyve Health)
02:12:07
help@alyve.health
SHAYAN CHAKRABORTY
02:12:22
Thsnk you, Shashank
Shashank (Alyve Health)
02:12:31
programs.alyve.health/programs/alumni-insurance
Shashank (Alyve Health)
02:12:57
programs.alyve.health/programs/askalyve
Geeta Prakash
02:14:19
How soon and where does one submit the claim?
Karthik
02:14:36
Thank you Shashank.
Geeta Prakash
02:15:03
If the alumni are not phone/digitally savvy, how does one manage?
S.C. Sarkar
02:27:38
What is the last date of premium payment ?
Geeta Prakash
02:34:56
Thanks so much Shashank! It was very useful.