Great information, due to this new rule, insurance companies are not accepting new policies of people with PED.
@pankajpanchwagh4062Ай бұрын
They have to accept it. For PED you need to wait for specific period between 2-4 years or you have to make a payment of loading charges for PED.
@zonejvmАй бұрын
@@pankajpanchwagh4062 they are not accepting, tried care and new India, they asked me to try other companies, they said they can decide to whom to give insurance,
@JMat-p9b16 күн бұрын
@@pankajpanchwagh4062they can , this is how they do it First they will reject claim on any ground eg star health Then when you raise questions they will say they will refund the premium amount and cancel the policy and that's the best they can do to help you You will feel glad that they u left such a terrible company when u receive the premium, keep in mind that u will receive it only after 7 months time and lot of followups Later when you approach other companies they won't accept it as they can accept or reject cases with PED , they have a team which decides which all to accept I enquired with policy bazaar and even ditto as they have plenty of insurance under one roof , even they said it's like That now , the company will decide whom to insure 🤣 People should make videos on this topic , its not being discussed anywhere Keep in mind points - star health are cheats just check their claim settlement ratio Insurance companies are not working to help , but to make profit, they will do their best from years of experience to act like they will help you ,maybe settle some small bills and later screw you when you need them most Health is wealth , so eat healthy , build muscle , educate yourself on health nutrition and finance well ACCUMULATE a corpus of min10lakhs and start FD just for medical emergency even if you are covered in medical insurance
@yshah843 ай бұрын
Definition of Fraud is a grey area & very subjective
@yshah843 ай бұрын
@@PINKYinsuranceSolutionsSMART very true
@janmejaymohanty94543 ай бұрын
@@PINKYinsuranceSolutionsSMART which KZbin channel?
@learnwithmamalove3 ай бұрын
My 1st Health Insurance Policy 2015 still active...
@mohitmaskara47163 ай бұрын
Does the moratorium clause also applicable to the No claim bonus/ plus benefits & Secure benefits (in case of hdfc ergo). Please specify.
@pankajpanchwagh4062Ай бұрын
It is applicable only for base insurance cover
@BALVINDER-SinghАй бұрын
Important questions -I took out a health insurance policy 11 years ago and upgraded it at one point. Since then, I have not had any health issues. If I file a claim now or near future (Rabb na kare), is there any possibility that it could be rejected? If so, under what circumstances could this happen? Note - None of my family member have any health issues in their childhood.
@vivexplorer8422 ай бұрын
I HAVE 50 LAKH HEALTH INSURANCE RECENTLY BOUGHT JUST 1 WEEK BACK 22 YRS OLD , AND I DONT WANT EVER TO CLAIM
@sureshv77242 ай бұрын
Jai Hindustan
@BALVINDER-SinghАй бұрын
Aapne Manipal Cigna Lifetime Health insurance liya hai?
@tanmay81953 ай бұрын
Nice Info it will help to many people Thank You Gurleen Ji 🙏🙏
@GurleenKaurTikku3 ай бұрын
Glad 😊, keep watching !!
@trnswamy3 ай бұрын
Insurance companies will misuse the clause of fraud. This is a grey area. IRDAI is not clear who determines the fraud.
@AdityaSingh-iv9wz3 ай бұрын
Then they will refer to GCA Act If a meaning in an Act is uncertain or not provided then General Clause Act shall be referred
@pankajsharma-np8rl3 ай бұрын
Govt should launch a health savings scheme like kisan vikas Patra or national saving scheme etc with more interest rates than normal FD.
@kapil_Maheshwari3 ай бұрын
Like everytime thank you for your guidance...now I am always updated with insurance things...🙏 Also shared with my group to follow you...
@GurleenKaurTikku3 ай бұрын
Thank you so much, keep watching & do Subscribe 😊
@varinderpalsingharneja35403 ай бұрын
Well describe IRDAI rule..
@GurleenKaurTikku3 ай бұрын
Thanks a lot, keep watching !
@ranamondal99703 ай бұрын
Thank you madam. This is really good news and this information is really helpful for an insured person. Thanks again 😊
@acivt25323 ай бұрын
This is tough question but IMPORTANT. Does new moratorium starts from year 2024 on-wards only?
@GurleenKaurTikku2 ай бұрын
Yes
@amitroy69723 ай бұрын
Very impressed with the content and presentation . Clear , concise and meaningful presented with a pleasant disposition . Thank you , Gurleen 🙏
@vishwanathvt77013 ай бұрын
Is it applicable for only new policies or also for the existing policy holders?
@senguptasentertainment87903 ай бұрын
Yes for all deadline for insurance companies is 31.07.24
@RahulYadav-zt7ryАй бұрын
Agar kisi ki bariatric surgery hui h aur wo insurance company ki decline list me hai, customer 5 saal bina claim liye policy chala le to kya use 5 saal baad claim mil jayega?
@rajk-qk7ne27 күн бұрын
Are hand written notes from hospital valid , sbi health denied claim saying they need computer generated notes....
@moksh92713 ай бұрын
HI I need your Help. My claim got rejected stating non discolsure. Request you to please guide me.
@bhavnishwadhwa86042 ай бұрын
Is the moratorium period applicable if we change the zone without informing the company?
@pankajpanchwagh4062Ай бұрын
You have to inform the insurance company if you change the zone
@vickybansal51913 ай бұрын
Bliend person ko miljayegi kya health policy madem
@Amandeep_Singh_Kalsi3 ай бұрын
Yes care freedom plan is available
@basrurkrishna39772 ай бұрын
Will the insurance companies consider continuity of 5 years from the time this rule comes into effect ? or is this applicable to those who completed continuous 5 years of coverage already ?
@pankajpanchwagh4062Ай бұрын
For those who completed 5 years already
@saisurya11353 ай бұрын
Thanks For the Valuable Information Madam
@GurleenKaurTikku3 ай бұрын
Thanks a lot, keep watching !!
@sorouna126 күн бұрын
could you please advise best agent in lucknow for health insurance.
@GurleenKaurTikku26 күн бұрын
Hello jee, you can connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history.
@devendranaidu33943 ай бұрын
Thank you for sharing valuable information
@GurleenKaurTikku3 ай бұрын
Glad it was helpful!
@utkarshkrishnajha38573 ай бұрын
Madam, No claim bonus kaa moratorium?
@Amit-00513 ай бұрын
Claim rejected for 8 years old policy stating non disclosure No break in insurance policy
@therevolutionary5233 ай бұрын
Which company and which city and for which disease? What were the reason given by company
@amitchatterjee119626 күн бұрын
You have old information,now claim can't be denied after 3yrs
@akshaydixit40942 ай бұрын
Previously moratorium period was 8 years so if any policy is purchased in 2020 and after 2028 any claim came so company will not reject claim because of non disclosure??
@apkihealthylife3 ай бұрын
What about existing Niva Bupa Reassure 2.0 Platinum? Please guide.
@shakeelqureshi72222 ай бұрын
Mam kya hyper thyroid insurance cover nahi karte hain
@BALVINDER-SinghАй бұрын
Sab policy mein ye period 2029 mein khatam hoga na..? And for rest of the policies it should be older the 2016? Please confirm.
@drrouf-er2ft3 ай бұрын
What's the moratorium period of term life insurance .
@TruthSeeker102503 ай бұрын
2 years
@ramdasiyer22173 ай бұрын
I am listening to this term 'MORATORIUM' for the first time. Please tell me whether this is a condition brought by IRDA. I am 70 and have a policy of 4 lakh then increases to 6 lakh from 2001. I have not submitted any claim till now. If i am hospitalized will i get benefit of 'M' .
@GurleenKaurTikku2 ай бұрын
Yes, Moratorium is applicable
@entertainment4you4093 ай бұрын
Madam agar main ye batana bhul gya tha 5 saal pehle ki ..I drink alcohol.....to kya mujhe after the moratorium period claim milega...?...kya insurance company claim deny karegi ?
@GurleenKaurTikku3 ай бұрын
yes, claim milega.
@entertainment4you4093 ай бұрын
Maaf kariyega madam...mera poora question tha ki....agar main ye batana bhul gya ki ...i drink alcohol aur after moratorium period agar mujhe koi alcohol ki wjh se koi bimari ho jati hai...jaise ki koi liver related bimari...to kya claim milega after 5 years.....please.madam answer....i am your great fan...you are doing excellent job about awareness of insurance @@GurleenKaurTikku
@rajdipacharjee916Ай бұрын
In case of congenital heart diseases can I get claim after 3 years of completing insurance in star youngstar silver policy?
@GUDDUKUMAR-ke9th3 ай бұрын
Medical insurance lene h konsa policy le please help me
@nileshsamdani68512 ай бұрын
Can i help u?
@AR-82Ай бұрын
Ergo, Lombard.
@arunnayar8583 ай бұрын
Most Insurance companies are not following this regulation and we need to knock the insurance ombudsman doorsteps
@ibunlimited3 ай бұрын
*Hi Gurleen, thanks for a neat elaboration with examples on 'Moratorium'. Very useful video indeed for the viewers.*
@GurleenKaurTikku3 ай бұрын
Glad it was helpful! Keep watching & do Subscribe 😊
@devendranaidu33943 ай бұрын
If I have a policy with one company for 5 years, then I go to another company, new company won't be able to reject my claim from day 1 because of moratorium ?
@ibunlimited3 ай бұрын
@@devendranaidu3394 Like all other 'benefits' or 'specific exclusions', et al, 'Moratorium benefit' will also enjoy retroactive effect, regardless of porting.
@GurleenKaurTikku2 ай бұрын
The moratorium period will be carried forward with porting as per IRDAI guidelines
@devendranaidu33942 ай бұрын
@@GurleenKaurTikku tx u for clarifying 😊
@skylinegamer63133 ай бұрын
❤ 0:13
@thakurchandan63Ай бұрын
Medam m swiggy or zomato Dono m kam karta hu Or dono m OPD/IPD/OTH Health policy h dono active h Abhi m 24 hours hospitalization raha hu or bill kuch 9000 samthing h To kya mujhe dono m apply kr du or kya mujhe dono s 9000+9000 Milenge kya Swiggy reliance s h Or zomato acko policy h Please answer please
@sureshv77242 ай бұрын
How about icici elevate plan
@pankajpanchwagh4062Ай бұрын
Excellent plan
@devangkapasi70973 ай бұрын
मेने चार साल पहले जो मेडिक्लेम लिया था तो उसे ये नया ५ साल वाला नियम लागू होगा ??? की ८ साल वाला नियम लागू होगा ????
@pankajpanchwagh4062Ай бұрын
A 5 year rule will be applicable
@sonusharmaofficial013 ай бұрын
Ma'am, If we migrate police to another plan in the same company without loosing the continuity, So, will the modatorium work?
@hnbright3 ай бұрын
Yes. it will. She mentioned that in the video as well.
@rohitpurohit2065Ай бұрын
पॉलिसी 2017 मैं stare health optima le हुए हैं क्या icici elivet me Port Kara sakte hai
@AR-82Ай бұрын
Bilkul karwa lo... ICICI Lombard is best option like HDFC ergo.
@AsitKumarGupta3 ай бұрын
Ma'am lets say I have a 3 year old policy and in last renewal i renewed the policy in grace period. will the policy be considered for reduced moratorium or not. I had to give declaration that 'There is no change in health status'
@acivt25323 ай бұрын
No problem with grace period (30 days). This is clearly mentioned in IRDAI document refered by Gurleen madam.
@acivt25323 ай бұрын
What is not clear - does moratorium applies for past years (BEFORE 2024)?
@santoshmandrekar462 ай бұрын
Thank you very much ma'am 🙏
@GurleenKaurTikku2 ай бұрын
Keep watching
@kalyanmishra66503 ай бұрын
Mam Moratorium existing policies me milegi ,kya group policies me bhi ye applicable hoga ?
@abhishekrampal86412 ай бұрын
mam pucha tha company se vo kehte new rules only new products pe applicable hai
@pankajpanchwagh4062Ай бұрын
No that person is giving you wrong information
@chandrab.maurya7118Ай бұрын
I am having a starhealth comprehensive 5 lakh policy. Is it worth continuing the same or you advise to port to better policy of different company. I am 66 now.
@dhavalvalia3 ай бұрын
Hi Mam, how will this impact my policy. I had new India insurance policy since 2010. Following a massive premium hike last year I ported to Care in December 2023.
@therevolutionary5233 ай бұрын
Sabse badi bewkoofi ki aapne apni life ki
@ajaybhat93593 ай бұрын
very informative... thanks
@MrHaresh233 ай бұрын
Great Video Mam. Pls keep making such videos 👍
@hnbright3 ай бұрын
Have an odd question. I have insurance which includes my wife and my kid. I am the primary policyholder. if something happens to the primary policyholder, does that policy automatically treat my wife as the next primary policyholder? Does this have any effect on the subject you shared in this video?
@GurleenKaurTikku2 ай бұрын
In this example, the spouse has to inform insurance company and member deletion will be done and she will be treated as primary policyholder Policy benefits including moratorium will remain as it is
@hnbright2 ай бұрын
@@GurleenKaurTikku Got it. Thanks.
@nikunikhilАй бұрын
Hi madam, how is niva Bupa health insurance as a company? Does it frequently reject claims? Complains?
@AR-82Ай бұрын
Go for ergo or Lombard
@sarojkumarsahu83153 ай бұрын
How many days grace period is given by the insurance company??
@cricketwithAshu_j3 ай бұрын
30 days in renewl of policy
@dineshbohara26292 ай бұрын
If it is a port policy , will it be considered from the inception of the policy ,that is from where it has being ported or after porting it is 5 years in the porting insurance co, kindly clarify From ur explanation my understanding is that even previous co tenure will be counted in 5 years period But still clarify
@GurleenKaurTikku2 ай бұрын
Yes, in portability also, moratorium benefit will be given since inception
@RajkumarSharma-e2y3 ай бұрын
Kya mai jan sakta hu ki payment without break kya hota hai. Mai har saal premium time per de deta hun. 2017 ka health insurance hai. Sirf ek bar mai grace time me payment diya hu, kya isse break mana jayega. Please bataye.
@shamimahamed68502 ай бұрын
No
@rkaggarwal3423Ай бұрын
Mam, Excellent video. If moratorium period is also transferred in case of portability? Regds
@AR-82Ай бұрын
Yes
@kuldeepsingh-od6sr3 ай бұрын
Nice explanation
@GurleenKaurTikku3 ай бұрын
Thanks a lot, keep watching !!
@grajji52993 ай бұрын
Break up means how?. Suppose payment of renewal is done late within grace period, is it break..
@GurleenKaurTikku2 ай бұрын
Break in means renewing after grace period
@RajkumarSharma-e2y3 ай бұрын
Mera policy Care me hai. Date commence 2017.
@rahul_461Ай бұрын
Adhd is not being accepted as ped. Price for honesty
@alokbakshi60013 ай бұрын
Medical claim kya sirf in patient ko hi milta hai. Please reply
@GurleenKaurTikku2 ай бұрын
Yes, in patient hospitalisation is covered
@rdjstark74153 ай бұрын
Mam my policy is only for 3 years, here agar may renew kar du after 3 years at the end of 5 years kya muja Claim milaga?
@sangitaverma61902 ай бұрын
Is this also applicable after policy portability?
@GurleenKaurTikku2 ай бұрын
Yes
@praveenbalajibalasubramani1163 ай бұрын
Thanks for the English subtitles. Else, I don't understand anything in your video and not worth the view.
@GurleenKaurTikku3 ай бұрын
Thank you, keep watching !
@riskyankit2 ай бұрын
now they will cover money by increasing premium.
@maloyroy13 ай бұрын
I can't get answers from you for my question
@davidsagar073 ай бұрын
Thanks 👍
@GurleenKaurTikku3 ай бұрын
Thanks a lot, keep watching !!
@sigtianikita3 ай бұрын
Does moratorium is applicable to completely new problem for eg u dint mention 'High BP' but u got spine surgery done ..which has got no relation with spine like BP related if ur treatment is done heart surgery or paralysis we understand.. so can they reject in this case also what if company itself has nt asked for proposal form and issued new premium who is responsible??
@pankajpanchwagh4062Ай бұрын
Yes they can reject
@ANISHSINGH-k1j3 ай бұрын
Hi Ma'am, Ye Moratorim Period Super-topup me v count hota hai kya ???
@GurleenKaurTikku2 ай бұрын
Yes
@rakshithavidhya3332 ай бұрын
In spite of asking the PED only, there is a fraud...😅
@shaileshmaheshwari37713 ай бұрын
NIVA BUPA moratorium period नही मानेगी। Reimbursement claim करके देख लीजिए।
@Yakridu_Anna3 ай бұрын
Report to IRDAI with documentary evidence.
@shaileshmaheshwari37713 ай бұрын
@@Yakridu_Anna Do you know how IRDAI works ? They are meant for nothing. I have sent more than 600 mails to them with a pdf of all the documents, but sorry to write they dare to take the action against insurers as they remain highly obliged by them.
@annamalayadevi3 ай бұрын
I was planning to take Niva Bupa now....My earlier was star health...which is a useless company.... should I go for niva Bupa?
@shaileshmaheshwari37713 ай бұрын
@@annamalayadevi Never or get ready to get rejected reimbursement claim if ever taken
@prakashtharwanimfinvestments3 ай бұрын
@@annamalayadeviWe will guide you to buy the right insurance. Reach me.
@Oldschool-Gamer2 ай бұрын
Yeh konsa new clause he ?
@GurleenKaurTikku2 ай бұрын
Old clause hi hai
@Moca86103 ай бұрын
Very complicated
@GurleenKaurTikku3 ай бұрын
We have tried to simplify it as much as possible.
@lingarajpatra7023 ай бұрын
Ma'am, Iss video thoda bhari ho geya. Thoda easy language main 1 bar aur banate to jada achha hota !!!
@bhavinkhona36763 ай бұрын
I have a question. I hope you will reply. I have a policy which is running from past 9 years and if i buy a separate policy from the same insurer for my son who will turn 18 this year. Than will get the moratorium benefit or it will be considered a new policy.
@drrouf-er2ft3 ай бұрын
It will be considered a new policy
@pankajpanchwagh4062Ай бұрын
It will be considered as a new policy
@Shivaenna-rh5sr3 ай бұрын
Nice 👍
@GurleenKaurTikku3 ай бұрын
Thanks a lot, keep watching !
@shaileshmaheshwari37713 ай бұрын
आपका video अधूरा है जब तक यह कुछ बातें clear ना हों: 1. आपने यह नही बताया कि moratorium period पहले की हुई policies पर भी घटकर 5 years हो गया है या अब जो नई policy ली जाएगी सिर्फ उनपर 5 years रहेगा। कृपया इसे स्पष्ट करे। 2. किसी policy का base sum insured 5 years में NCB मिलाकर 5 लाख का 25 lakhs हो जाता है तो moratorium period किस amount पर applicable होगा। इसे भी clear कीजिए। 3. अगर policy लेते समय कोई PED exclusion में डाल दी गईं है तो क्या वो disease भी 5 साल बाद cover मानी जाएगी। यह जानकारी देने से सभी viewers को बहुत अच्छे से सब clear हो जायेगा।
@GurleenKaurTikku2 ай бұрын
1. It is currently on new policies and applicable to existing policies after renewal 2. It should be 25 lacs in this case, still Shall get clarity on this 3. Existing diseases are covered after waiting periods are over for PED
@SANTANUBISWAS-l5u3 ай бұрын
Madam I want to get a health insurance for my mother, my mother is 70 years old, mother has pacemaker for four years. Now taking medicine for hypertension. Can I get any health insurance for mother? Which company's insurance premium will be lower madam? It would be great if you could give some suggestions please🙏🙏🙏
@ravijadhav20113 ай бұрын
सर शायद आपको पॉलिसी नही मिलेगी
@utkarshkrishnajha38573 ай бұрын
Care heart plan.. What's yr phone number
@veeranarayana3 ай бұрын
Contact star health cardiac plan 30 days coverage star cardiac issues below 70 years only no co payment