It's a very informative and important video. I think everyone should watch it twice, before buying any health insurance plan. Thanks a lot.
@GurleenKaurTikku8 ай бұрын
Thanks a lot, keep watching !
@rahulkarmakar2011 ай бұрын
Very good description regarding the subject matter.
@GurleenKaurTikku11 ай бұрын
Thanks a lot , keep watching 😊
@soraisamsingh-q9oАй бұрын
Awesome video Gurleen Kaur Ma'am!
@GurleenKaurTikkuАй бұрын
Thanks a lot 😊
@Kumar-Abhishek09114 ай бұрын
In 2020 I was diagnosed cancer and mera treatment 19 jan 2021 mein complete ho chuka hai abhi mein bilkul thik hoon aur follow up mein bhi mein thik hoon aur dr ne bhi mujhe ek letter diya hai cancer free ka ,kya mujhe health insurance milega .
@arunmohanty12311 ай бұрын
Also madam where exclusion is mentioned on what type of medical devices will be covered or not including latest treatment For example will they cover titaniim implants instead of normal steel implants
@hanumanthusrinivasrao33336 ай бұрын
I appreciate your knowledge sharing, but during the period of policy taking, there has not been any diagnosis of pre existing diseases or hospitalizations, but there may be slow growing illnesses, hypertension, blood pressure, etc. As when we applied for the policy, we didn't get a health checkup before we were issued, so we didn't know how our health was at that time, but after two years some of them were discovered through annual health checks, so will the policy be rejected?
@hanumanthusrinivasrao33336 ай бұрын
Please make a video on what is Abaha card
@sidharthr553211 ай бұрын
I have a genuine query, ma'am. What would happen if, while purchasing health insurance, I didn't know about a health condition like diabetes or thyroid, but after 3-4 months, during a blood test, I found out that I have one of these? What could be done in such cases, or what would happen in such cases?
@anshul543111 ай бұрын
Nothing will happen as it was diagonised after policy issuing date. The health insurance is a contract between the insurer and insured of any health condition prior to the policy issuing date.Keep your test reports and doctor's consultation paper safely as it would help you to substantiate the same in future if the need arises.
@sidharthr553211 ай бұрын
@@anshul5431 Thank you!
@GurleenKaurTikku11 ай бұрын
Nothing needs to be done here, ut will not be counted as PED. It is always recommended to have a medical file wherein you keep all your medical tests reports / doctor consultations and it should be kept along with your health insurance policy so that at the time of claims there is no hassle. If in future, any claim arises, they will ask for first consultation paper for Bp or Diabetes or thyroid, you can share the document.
@rajpadhi121 күн бұрын
Thks for the video
@Abhishekkumar-tz1lo11 ай бұрын
Thanks for useful info❤ Today i buy policy from niva bupa- reassure 2.0 ,there agent over call skip some info ,i think its new policy i am going to update info at company regarding some illness in past... thabks mam🤝🙏
@GurleenKaurTikku11 ай бұрын
Thank you jee, keep watching for more such informative content !
@Abhishekkumar-tz1lo11 ай бұрын
@@GurleenKaurTikku tries modification but sales team of niva bupa tries me not to do so as it leads to policy cancellation but finally requested free cancellation and try with all past records and all correct entity...
@alankarmuley85011 ай бұрын
मैंने निवा बूपा के लिए अप्लाई किया था,लेकिन मुझे tardive dykansiasis पहले से होने के कारण पॉलिसी रिजेक्ट हो गई,मेरी बीमारी जल्द ठीक हो जाएगी ।मुझे क्या करना चाहिए? मुझे पॉलिसी कैसे मिलेगी?
@pankaj964711 ай бұрын
Health history since birth se dena hota h kya??
@GurleenKaurTikku11 ай бұрын
yes
@vp005911 ай бұрын
Nice Vedio 👌 Mam muze health issue hai Angioplasty ho gayi hai to ab Mai new health insurance le sakta hu ? Pls guide me
@GurleenKaurTikku11 ай бұрын
Thank you jee, keep watching ! Answering your query , Few policies are available. Subject to term & conditions.
@balajiveerla86420 күн бұрын
Good evening madam, 11 months After taking health insurance - I am taking total body checkup, I found hab1c is 7.2 in my report. What can I do? Please suggest me madam?
@sgsn712548Ай бұрын
Hello Mam , My wife has Epilepsy but she is fine with regular medicine from last 12 years , Which Health insurance should i opt for her .
@AR-829 ай бұрын
What if someone has already hidden his pre existing disease in policy and its 3-4 years running? Someone did not disclose PED as he was guided that PED will be taken care of automatically after the waiting period so its not important to disclose. What should one do now to disclose his PED to insurer??? PED was detected 6 years ago and policy was taken 3 years ago. Wont his policy be terminated? Or will company reconsider it ?
@SameerShah-jh9ycАй бұрын
FRESH POLICY ME PED 30 DINO KE BAAD COVER KRNE WALI KONSI HAI
@vishesh6155 күн бұрын
My policy has been cancelled recently by HDFC Ergo due to my mistake. I forgot to disclose one of my TB related medication in 2016, but after 2-3 days of policy issuance, I immediately informed insurance company and they cancelled it... Can I reapply in same company with full disclosure again?
@248deepakvishwakarma26 ай бұрын
does Sciatica and urinery retention comes under pre existing desease?
@amitbisht996 ай бұрын
Mam kya ulcerative colitis ke liye koi health policy hai
@akankshapandey38613 ай бұрын
Mam arthritis ka health insurance hai kya
@VijayKumar-wl5sl26 күн бұрын
Hbsag positive hai health insurance milega medam
@surajdhakne6078 ай бұрын
6 sal phale ACL surgery hui thi wo bhi batana padega kay
@jayeshrana83686 ай бұрын
15 yrs pehele cancer ka treatment kiya tha .....till dt good health....kya hame health policy milega.....Pl advice
@PratikKumarSanapala10 ай бұрын
Hi, i have small doubt. Do health insurance companies have access to all hospitals records of all the insured members? Are hospitals obligated to share the details with them?
@AR-829 ай бұрын
Did u find the answer ?
@hemantsharma489611 ай бұрын
Mam policy bazar se policy le sakte hain kya.claim ke time problem toh nahi aayegi.kuinki mai monthly premium pay karna chata hoin.
@GurleenKaurTikku11 ай бұрын
We can't comment on any such online intermediary.
@AdityaKumar-ny4sy3 ай бұрын
Ma'am maine apke team se contact kiya tha meri mother k liye mujhe plan lena but unko back pain ki problem hai or slip disk iske liye mujhe to guide kijiye ma'am please Koi care freedom, star compressive, Niva bhupa, i am very confused 😢
@jayghosh471511 ай бұрын
Main Navi mein sob se Kom price main hain Navi wala sahi Hain Kaya
@rajeshsaxena15778 ай бұрын
I have face kidney stone 5mm which was cure by medicine in 2017 .now i have to disclose in my policy in niva bupa 2.0 and company increase my premium 1814 rs .what should i do now
@sandipghosal552910 ай бұрын
46 year old man just diagnosed liver cirrhosis. I have no health insurance. Plz suggest me to buy a health insurance plan which will cover completely liver transplant like complication in future if needed be.
@jaiprakash-hp3xw11 ай бұрын
Mam why always a customer is fraud not a single agent in this entire universe
@GurleenKaurTikku11 ай бұрын
we have never said that. There is a lot of Mis-selling by agents AS WELL. We always recommend our viewers & customers to do their due diligence before buying any policy.
@BIKKI_SARDAR11 ай бұрын
Ma'am , medical history batane ke baad bhi policy reject kiya jara hai hdfc ergo se Past history batane ke baad bhi jaha meri sister feb ko due to entric fever admit hui thi aj hdfc ne widal test report mangwaya now widal test individual report accuracy nahi bata ta ki typhoid hai ya nahi supporting CBC ya IGG or IGM report ensure karta hai ki infection agar widal test me aa bhi raha hai toh wo recovery antibodies hai ya recent infection. Undertaking team ne straight away reject kar diya on the basis of widal report jab ki meri sister fit and fine hai family doct ne IGG & IGM test se ye confirm bhi kiya ki test negative hai jiska matlab recent koi infection nahi hai usse...along with widal test. And meri sister normal hai achi khasi health hai college jari hai ari hai aisa koi ek bhi symptoms nahi jo worry karne ki zarurat ho. Ye kaisa undertaking team ka kaam hai ki ek inaccurate test ke basis pe reject kar rahe hai. Since widal test me jo bhi antibodies ata hai wo life long tak reh sakta hai toh every time apply karne pe wahi reason se reject karenge toh kya fayda hai past history batane ka... Ye koi long growing illness hai nahi. Can you help me with this??
@suzalbhalotia37777 ай бұрын
Mam 20 year old cured disease is pre existing disease
@NehaJain_11 ай бұрын
What should people do who are not given policy ( policy rejected due to presence of some PED) due to some pre existing disease? No insurance company will give their policy, what should be next step of action?
@GurleenKaurTikku10 ай бұрын
Then , you should try & build a Health Fund. Please check this video : kzbin.info/www/bejne/h4W9aZlmqbt9oacsi=khOjc4vp8fbGH4lD
@anshul543111 ай бұрын
Ma'am but IRDAI defined the term PED for insurance companies in its circular in 2020. It covers any existing disease, condition, ailment, illness, surgery, etc within 48 months prior to policy issuing date. All the insurance companies has to adhere to this or discontinue their policy if failed to do so. So, Why do we need to disclose any condition which is present earlier than that. Please clarify.
@arunsharma375211 ай бұрын
Good question
@autofill507311 ай бұрын
My answer will be long but please read it to get clarification: So , when you buy a policy the premium that you will pay depends upon several factors one of them is pre existing diseases (PED) , if you don’t disclose your PED to the insurance company the company thinks you are healthy and issues the policy at lower premiums But if you disclose you have some PED then company charges you a slightly higher premium but promise to cover the expense of your PED post waiting period For example: You have thyroid/ had thyroid before now while getting the policy you didn’t disclose this PED to the insurance company and company though you are healthy so they charged you less premium later after some years your thyroid condition got worse and you had to do surgery for it So as per policy you deserve to get claim but since to save premium you didn’t disclose this condition to the company before this will be considered as cheating and the company will deny your claim plus cancel your policy aswell I hope I answered your question 😊
@arunsharma375211 ай бұрын
@@autofill5073 very nice brother But I think you don't read irdai guidelines..as per IRDAI 2020 guidelines..PED means last 48 months diseases diagnosed..
@anshul543111 ай бұрын
I know what is PED and how it works. I am confused about its duration. Why should we declare a medical condition which was diagonised 20 years before taking any policy as IRDAI just asks for 48 months or 4 yrs prior to taking any policy?
@anshul543111 ай бұрын
@@arunsharma3752 That is what I need clarifications for.
@yashvikramsingh232111 ай бұрын
Mam can insurance company reject claim on basis of hiding medical history if pre medical health check up was done by insurance company itself before issuance of policy?
@munishgupta761711 ай бұрын
Hello Mam You said about in material fact about rejection of policy by acompany, if someone tried for porting and his proposal is not accepted or counter offer is rejected by insured, Should it be mention with other insurance company Only proposal is rejected not policy PLEASE let me know
@GurleenKaurTikku11 ай бұрын
It should be mentioned.
@waseem35711 ай бұрын
Respected mam plz guide me 🙏 I have a CARE HELATH INSURANCE PLAN of Rs 5 Lakhs of plan name CARE, on 15 Dec 2023 it will complete 5 years without any claim @ now Renew option get activated, but now 2 options are showing 1- to renew the current plan and 2- to migrate to Care ADVANTAGE plan of Rs 25 lakhs with 1.5 thousand additional premium only Plz guide me it would be advantageous for me to migrate from current policy???
@GurleenKaurTikku11 ай бұрын
Pls check for migration guidelines with Care health team
@sumeetchandok791011 ай бұрын
How do we update PED on policy RENEWAL?
@GurleenKaurTikku11 ай бұрын
You can intimate on the email
@georgebastian334511 ай бұрын
Ma'am I took 3 years back health insurance .now I have developed anxiety i have taking treatment ,now I have to inform insurance company
@GurleenKaurTikku11 ай бұрын
No, if it was not a pre existing disease, you do not need to inform insurance company
@georgebastian334511 ай бұрын
@@GurleenKaurTikku thank you ma'am
@user-jhdk777j6 ай бұрын
@@GurleenKaurTikkumam insorance lia tha 1 saal pehle 7 lakh ka 3 years ka waiting period dia tha. Insorance lene k 9 mahine bad kidney ki bimari detect hua hai which is a type of slow growing dease.. Kya me 3 saal hone k bad insorance claim karke paisa le sakta hu please batae mam.. Apka bara abhar hoga 🙏🙏
@jagdishjoshi923611 ай бұрын
Good information.....👍
@GurleenKaurTikku11 ай бұрын
Thanks a lot , keep watching 😊
@harshpatel22011 ай бұрын
Brain operation ke baad policy mil skti hai manipalcigna?
@GurleenKaurTikku11 ай бұрын
not sure, please connect with the Manipal cigna team as there are many plans offered by them. Please do your due diligence before buying any plan.
@Dr_RSM11 ай бұрын
Is it okay to buy insurance from official website of insurance company??
@GurleenKaurTikku11 ай бұрын
yes, you can but please do your due diligence before buying the policy.
@darshanlal376411 ай бұрын
Good information mam
@GurleenKaurTikku11 ай бұрын
Thanks a lot , keep watching 😊
@arunmohanty12311 ай бұрын
Mam after 4 years of starhealth recently i was diagnosed with diabetes. If i imform the company then will my claim will ne rejected?? I haven't taken any claim for 6 years
@GurleenKaurTikku11 ай бұрын
No, if it was not a pre existing disease, you do not need to inform insurance company
@AR-829 ай бұрын
@@GurleenKaurTikkuwhy shouldn't he inform the insurer about his disease now ?
@rajatsethi304111 ай бұрын
If we have ped but after taking policy then we go to a fresh doctor and get diagnosed for that already ped and present it as a newly recognised disease to the insurance company then claim won’t be rejected right ?
@rudrachatterjee26149 ай бұрын
Say you have PED and taking medications for 5 years for eg diabetes. You decide to take a policy and not disclose. Then you goto a fresh doctor and he puts it as newly diagnosed disease. All is well until here. 5 years later you are hospitalised. Doctor asks if you have diabetes and take medication. You say you do. Doctor asks for how long you are taking it/suffering from Diabetes. Now its all on you. Will you say 5 years (based on fresh diagnosis) or 10 years (based on original diagnosis)? Before you say 5 years let me tell you that when you are a diabetic or suffering from any chronic illness all further treatments for any other diseases happen keeping the chronic illness in mind as well as the duration of the illness. Line of treatment for a diabetic of 5 years can be very different for a diabetic of 10 years. And the outcome can be different as well. If in front of the doctor you say 10 years claim will be rejected for sure. But if you say 5 years you are risking how the doctor will treat you. So are you willing to risk your life/treatment by being dishonest or being honest and disclosing all PEDs correctly. Choice is yours.
@rajatsethi30419 ай бұрын
@@rudrachatterjee2614 thanks for the beautiful explanation bro!
@AR-829 ай бұрын
@@rudrachatterjee2614doctor doesn't treat the patient as per the patient's wordings. He treats them as per the test reports. There are lots of patients who must be diabetic for years but don't get to know, if they get to know after 2-3 years or even more, they will be considered as newly diagnosed only so that won't mean that doctor will ignore their previous damage, if any. Secondly even if u have long term diabetes you can reverse it with good diet and exercise and make your body less vulnerable to sickness. So doctors rely on your test reports and not on your mouth say, u can even tell them that u might be having the diabetes for long but u weren't sure and now u got it detected. There are several ways to deal.
@rudrachatterjee26149 ай бұрын
@@AR-82 the topic was if you can bypass the disclosures while buying a health insurance. For the insurers, your word of mouth matters when processing a claim, because Doctor in his prescription writes down whatever the patient says under medical history. Even if diabetes is in remission insurance companies specifically ask in the proposal form 'Have you ever SUFFERED/SUFFERING from diabetes/prediabetes?'. So in my opinion its important to disclose everything so that at the time of claim there is no hassle.
@harshpatel22011 ай бұрын
Please answer me
@aksawlani2615 ай бұрын
इंश्योरेंस बीमा एलआईसी पॉलिसी एवं हॉस्पिटल इतने जटिल होते हैं कि इन्हें आम आदमी के द्वारा भरना बड़ा मुश्किल है और यह नियम वर्षों से चला रहा है कि इस कंपनी के एजेंट एवं कर्मचारी ही भरते हैं और सिर्फ हस्ताक्षर आवेदक को कहते हैं ऐसे में आवेदक के पास सिर्फ इतना ही ऑप्शन होता है क्या वह अपने मुंह से कंपनी एजेंट को अपनी सारी डिटेल देता है अगर किसी कारण से कंपनी का कोई एजेंट कर्मचारी अगर कोई डिटेल उसमें नहीं भरता है कोई प्रपोजल फॉर्म को के किसी कलम को खाली छोड़ देता है तो ऐसी स्थिति में क्या किया जाए
@abhishekdas467011 ай бұрын
Please answer this I am 28 now and don't have diabetes or hypertension and buy the policy let's say at 40 i am diagnosed with diabetes and got admitted to the hospital so will they pass claim or reject?
@GurleenKaurTikku11 ай бұрын
yes, it will be passed as the disease was not pre existing at the time of buying the policy