IRDAI Master Circular for *Health Insurance* Companies | NEW Rules 2024 | Gurleen Kaur Tikku

IRDAI has launched their Master Circular 2024 for Health Insurance Companies operating in India on 29th May 2024.
The circular highlights the broad requirements to be complied with by the insurer for the insurance companies.
This circular is revised every year in favour of the customers & to motivate people to buy more & more health insurance.
You can find the Master Circular HERE : irdai.gov.in/d...
WATCH THE VIDEO FOR MORE DETAILS :)
To buy insurance policies, click here - hareepatti.com...
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IRDAI , IRDAI master circular , IRDAI health insurance rules , guidelines for health insurance companies , health insurance 2024 , best health insurance india , IRDAI health insurance , best health insurance 2024 , health insurance rules in India , health insurance with diabetes cover , health insurance waiting period , latest health insurance companies guidelines , health insurance cover IRDAI , gurleen kaur tikku , financial advisor , hareepatti
#irdai #healthcareinsurance #gurleenkaurtikku
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 18 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

[@tarunsarma3874]

Nice informative analysis of IRDA master circular 5 sep 2024, thank you mam.

[@GurleenKaurTikku]

Keep watching FOR MORE SUCH INFORMATIVE CONTENT.

[@mojoomla]

Excellent summary of the new rules. Absolutely fluent delivery. Thank you for this very very useful service. God Bless.

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@neildwivedi3364]

Thanks to IRDAI for such great and welcome steps and spl.thanks to you for sharing & explaining everything to your viewers. Kudos once again..!😊😊

[@GurleenKaurTikku]

Glad that you found our video informative, keep watching !

[@anwarbaig5338]

Yeh sab medical insurance point Batane ke liye Thanku

[@jagdishkamath2360]

Excellent information thks for sharing this wonderful clipping 🎉

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@--singh252]

Thank you so much Gurleen ji for health insurance awareness. Your information is very crystal and clear. Again thanks 🙏

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@sunilkumarg484]

I don't understand Hindi language but some how I was able to understand your video as you have given the details in English words. Thank you so much for the video, I'm in the process of purchasing a personal health insurance for my family so I would ask this questions with them before purchasing the policy. Thank you❤

[@sukhpalsingh4928]

Fantastic Gurleen for your video it makes common person very very easy to know what’s going on thanks a lot 🙏

[@GurleenKaurTikku]

Most welcome jee :) Keep watching!

[@SANJAYYADAV-dg8tn]

Great, Madam, in detail information given by which each and every information useful for me, Thank you so much

[@GurleenKaurTikku]

Thanks a lot, keep watching !!

[@tapaskumarsingha9876]

Madam You explain very simply way. Thanks

[@GurleenKaurTikku]

Thanks a lot. Keep Watching & do Subscribe !

[@parthapratimghosh-l7w]

Thanks a lot; for such a brief review. My mother is now under a health insurance policy(group plan) since 2019 under HDFC ERGO and Bandhan bank, purchased through Bandhan bank. Now their tie up is over, so the existing policy could not be renewed any more. She is now 65 years old suffering from BP, cholesterol and hypothyroidism. HDFC ERGO said that group plan can not be migrated. Now according to the rule 11 of IRDAI, migration of plan in indemnity policies, said plan can be migrated to HDFC ERGO retail plan(in the same insurance company).? Please guide me. Thanks in advance

[@sumanta8734]

Policy migration ho jayega optima secure pe

[@sumanta8734]

Apko branch office Jana padega all documents leke . Bm apko help korega

[@GurleenKaurTikku]

Migration is possible, please contact the nearest HDFC ergo branch

[@ushashivangekar701]

Very good information for all health insurance policies holder's. Thank you Madam.

[@rahulmangrola1062]

Very Informative Video for Health insurance advisor also.

[@GurleenKaurTikku]

True. Keep watching for more such informative videos.

[@thomassequera1343]

Thank you very much Ma'am for explaining everything very nicely.

[@GurleenKaurTikku]

Keep watching !!

[@vikas1017]

Thanks for this detailed explanation. This resolved my lots of query and doubts. Thank You❤

[@GurleenKaurTikku]

Glad it was helpful !

[@debasis83das]

Thank you for your simple yet very informative explanation abt the new guidelines. Indeed it will be very helpful for a policy holder.. I appreciate the initiative of IRFA and appropriate effort to explain and making it simple to understand. Thank you once again..

[@GurleenKaurTikku]

Thank you s much, keep watching for more such informative content.

[@s.npradhan3665]

Good information regarding INSURANCE benefits🤗👏👏

[@deepakkanchanpure271]

Thanks a lot Ma'am for most Important Info..... Many doubts are clear through this video.....

[@GurleenKaurTikku]

Glad, keep watching for more such informative videos.

[@saikumar2373]

Thank you for your detailed explanation.

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@ranamondal9970]

Thank you so much. This really helps everyone.

[@GurleenKaurTikku]

Glad, Thank you & keep watching for more such informative content.

[@DeveshMishra-ib2lm]

Very Useful Information Thank You so Much Mam 😊

[@Shredderrr93]

Thanks for the updates Mam 🎉

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@mithun.m545]

Nice presentation. Very informative video 👍

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@stutikar1719]

Thank you for sharing

[@GurleenKaurTikku]

Thanks a lot , keep watching !

[@mannu8690]

Thank you Gurleen ji..you r the best in business!

[@GurleenKaurTikku]

Thank you so much, keep watching !

[@shubhamgarg7092]

5 years ka Moratorium period toh 1 April 2024 se hi applicable ho chuka hai as per IRDAI. But I have purchased a policy this month, usme 8 years h moratorium period. What can I do now? Company customer care wale bol rahe h ki abhi koi update nahi h. Solution??

[@senguptasentertainment8790]

30th September 2024 tak sabhi health insurance policies me IRDA updation aaye jayenge

[@yashwantdhole7645]

​@@senguptasentertainment8790 Thanks for the update. Was looking for this answer.

[@shubhamgarg7092]

@@senguptasentertainment8790 ye rule 1 April se applicable hona tha

[@shubhamgarg7092]

​@@senguptasentertainment8790ye rule 1 April se applicable hona tha

[@amitSingh-qo7ek]

​@@senguptasentertainment8790 star health insurance avi tk ya morotarium period 5 year nahi aaya hai? Mera agent mana kar raha hai ya rule avi lagu nahi hua hai... please confirm with star health insurer with your side

[@skp00005]

Gurleeen dear Bhahot badiya explain kiya as usual very fast Girlee:)

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@VinayakDeo-b8g]

Superb explanation. Thanks a lot

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@kishorekumarjoshi204]

National Insurance company Ltd and its TPA Heritage Kolkata has rejected a sum of Rs 50218/- OT- Consumables in Hospital bill what is the solution for it

[@Shredderrr93]

Check if its covered in your policy

[@nareshkumar9855]

Thanks for this important information. After paying premium for 5 years, the claim will not be rejected. This applies to both medical insurance and Term insurance??

[@GurleenKaurTikku]

This particular circular is for Health Insurance.

[@banojakumarmishra6713]

Very nice program

[@MKJ000]

Thankyou mam for the valuable info .

[@GurleenKaurTikku]

Thank you, keep watching for more such informative content !

[@dasharathrajgor3613]

Nice..interesting informations sharing..

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@ashisbhadra5371]

If I have purchased a policy in 2022 and the said policy surrender in 2025, what will be the surrender value?

[@mohindersinghsaini]

I along with my wife have health insurance policy of Nova Bupa. Last year, we paid Rs. 55,000/- on account of annual premium. Now, our health insurance policy is due for renewal. This time health insurance company is asking Rs. 75000/- for annual premium, which is not justified. Please advise what should we do?

[@manusahni83]

Thanks. Very informative video.

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@nsrinivasan405]

Superb information mam thank you so much 🙏🙏

[@GurleenKaurTikku]

Thank you , keep watching !

[@sahilgargi1]

Excellent knowledge shared

[@saurabh0980]

मैडम मैने 14 जुलाई 2024 को 10 लाख का हेल्थ इंश्योरेंस लिया था और एडवांस में 3 साल का हेल्थ इंश्योरेंस प्रीमियम जमा कर दिया है जो 14 जुलाई 2026 तक चलेगा, उस समय जब मैने इंश्योरेंस लिया था तब मुझे शुगर की प्रॉब्लम नही थी ये मुझे 1 महीने पहले ही पता चला है तो क्या मुझे 2 साल बाद अगर हॉस्पिटल में एडमिट होना पड़े तो मुझे क्लेम मिलेगा या रिजेक्ट होगा, और क्या मुझे अब आईसीआईसीआई lombard को इस विषय में बताना चाहिए, प्लीज रिप्लाई

[@dr.sushilkumarojha7386]

Thanks for sharing this information

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@BSNegi-oy5gc]

Very nicely explained

[@GurleenKaurTikku]

Thank you so much 🙂

[@jikkukurian2085]

I have been having a group medicare policy with Canara Bank, originally with Apollo Munich from 2018 and TATA AIA from 2020. Is it possible for me to port to a retail policy?

[@gobaraGanesh]

Thanks for updating

[@GurleenKaurTikku]

Thank you , keep watching !

[@parmarkrishna]

Thanks for important updates

[@GurleenKaurTikku]

Thanks, keep watching !

[@GSJ0100]

So much helpful.

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@TharaSampoornam1402]

Most awaited video.Thanks Gurleen.

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@kapil_Maheshwari]

Hi...the 13th point is live now right? As I have taken 3 years HI one time but i have asthma but it has been a decade now i am not having any issues with asthma but i have not mentioned the same in policy but now if i am with company more than 5 years now it can now easily get covered with the same disease if something happened right???

[@personalgrowth8514]

Dental and dermatologist ka milega kya??

[@varinderpalsingharneja3540]

Very informative video

[@GurleenKaurTikku]

Thank you jee, keep watching !!

[@jackjmin123]

Dear Madam, Care Supreme plan hai mera, 2 years chal raha hai. Recently hospitalized huwa tonsillitis ka deases pe, without surgery. Claim rejected. I think I was supposed to get claim settlement.. could you please clear my doubts?

[@pawanpandey947]

Madam mera ombudsman se award mil gya hai lekin insurance company wale paisa nhi de rehe hai 4 mahina pehle award mil tha wo bol rahe hai ki wo high court me Jayenge ab aage hm kya kare

[@paragchavan7976]

Pl make video on GIC Also

[@baldevsingh-y7s]

Mam. ji thanks for detailed information

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@Jaibhim1406]

Mam abhi new policy lena sahi rahega yaa phir July k baad he policy buy kare,,,

[@soraisamsingh-q9o]

Awesome & informative video Gurleen Kaur ji! Can a kidney donor buy a health insurance policy?

[@abhishek171278]

Lets say Agar inme se kuch follow nhi kiya insurance company ne complaint kise krna hai? Insurance company ko ya irdai...

[@AmanD1489]

Madam do you think they will cover PED like IBD , UC , Crohns ? Please advice

[@GurleenKaurTikku]

They may cover in future

[@kapil_Maheshwari]

Great Ma'am thank you

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@peachincoroporation9816]

Ye poorani policy par bhi applicable hoga ya phir circular implementation ke bad jo policy le ga uske liye applicable hai.

[@tnbandhu]

I think It will be implemented on new policy and ur will be new one after renewal of ur existing policy...

[@tnbandhu]

Ys it will be when u will renew ur policy ....

[@gireeshbabu7320]

Bajaj silver policy renewal date is 23th June 2024. Wanted to port to any good policy. Let me know the formalities.

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history. Thank you

[@RaviPrakash-gy3fo]

Nice presentation

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@personalgrowth8514]

Hdfc me grace period nahi milla

[@personalgrowth8514]

When did this circular given?

[@arunnayar858]

How are the insurance policies looking into this new rule

[@manojkumarmunna5270]

Thanks for update ma'am

[@GurleenKaurTikku]

Keep watching for more such informative content.

[@sulladavinash]

Mam really thank you so much for giving detail information regarding Health insurance. Kindly request you please give home insurance details.

[@aanandsurati828]

Add : agar ombudsman ke award ko timely company honoured nahi krti to per day 5,000/- ki penalty insured ko as a compensation deni padegi... Kindly refer to page 10 clause 20 of the said master circular....

[@chandansharma409]

Nice 👍

[@GurleenKaurTikku]

Thanks a lot !

[@arunsharma3752]

Jisne policy feb 2024 mai li hai uska morotarum period konsa rehega and kab count hoga

[@arunsharma3752]

Thanks in advance for reply

[@Ashish-qh6oy]

Thank you ma'am

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@amolsapkale2453]

What about health issues related to child birth ?

[@ishansharma-v2c]

Ma'am it's a request can you please make a video on kotak life and health insurance review kind of Btw awesome videos ma'am

[@GurleenKaurTikku]

Yes, we will bring up a video soon. Keep Watching !!

[@chiragasija3146]

Mam my relative has policy from October 2018 i.e; 5.5 years till date and has hernia which is from past 10 years and he has not disclosed in his policy starting because he was not aware of that. Will he get claim now due to moratorium period benefit?

[@brianmouses28]

If he was not aware why should he disclose?

[@amrutnarendra5299]

Helth insurance policy done by bank customer (bank group) can be migrated within the same company, either on an individual or floater basis, please clarity.

[@sumanta8734]

Bank policy port Nehi hoga.

[@GurleenKaurTikku]

Bank policy can't be ported.

[@amrutnarendra5299]

@@GurleenKaurTikku Thank you 🙏

[@sabyasachibanerjee3099]

Will these be applicable for new policy only or for previous policy also ?

[@poddarkanchan]

Excellent information . Thank you Madam. Today Morning I have done Star Comprehensive Policy . According to you I disclose all my Prescription, Blood Report , vaccination etc. Thank you Madam

[@GurleenKaurTikku]

Great jee

[@MiteshAwasthi]

My grandmother has parkinson and i have purchased care freedom, there is no other policy

[@pratik14jan]

Regarding point 13 you have covered in the video which mentions that Policy / Claim cannot be contested after 60 months of continuation. But what if a policy-holder has migrated to a different plan within the same insurance company ? OR what if the policyholder has ported to a different insurance company ? - will this clause still hold true?

[@tnbandhu]

It's doesn't matter u had migrated or port will be applicable on all..

[@GurleenKaurTikku]

It is applicable on Migration / portability as well, if the policy is renewed without the break

[@ranjitacharyaactivetherapi1494]

Thanks🙏

[@GurleenKaurTikku]

Keep Watching !

[@ashisbhadra5371]

Surrender value of old policies.

[@vinodsodani]

hello…some companies are providing protection for list 1 for non medical items.list 2,3 and 4 are charges which are subsumed to be part of room ,diagnostic procedure treatment etc.does it means they are covered automatically and only we need list 1 add on cover

[@GurleenKaurTikku]

Few companies are covering list 1 and few are covering list 1,2,3,4 . The claim is paid out accordingly.

[@manashmohanty2907]

Thank you mam

[@GurleenKaurTikku]

Keep watching !

[@ananthareddygadarla1859]

All are blessing of Modi and IRDAI. A very nice move

[@palashmajumder3120]

Thanks for enlightening us.but madam I have a question,will the insurance company follow the rules and regulations of IRDAI?

[@GurleenKaurTikku]

yes, they will

[@koushikdas1040]

Thanks mam 🙏🏽

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@bittochadha890]

मैडम अगर किसी ने अपनी प्रे-एक्जिस्टिंग डिजीज कंपनी को नहीं बताई और उसे पॉलिसी में मेरीटोरियम पीरियड भी लागू हो गया है क्या कंपनी उसका क्लेम रिजेक्ट कर सकती है

[@GurleenKaurTikku]

As per the clause, After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy. However, not advisable to buy policy on non disclosure

[@bittochadha890]

Thanks madam आप बहुत अच्छे तरीके से डिस्क्राइब करती हैं 🙏🙏🙏🙏

[@mridulpandey5767]

mast

[@GurleenKaurTikku]

Thank you 😃

[@kuldeepsingh-od6sr]

Thanks ❤

[@GurleenKaurTikku]

Keep watching for more such informative content.

[@viveksingh4281]

Mam ye to batao ki pre existing disease ydi bachpan me thi aur thik ho gyi, or 6/7 sal phle koi Disease thi medicine leke thik ho gyi but in sb ka koi document available nhi hai to kaise disclose kren...

[@GurleenKaurTikku]

Disclose karna zaroori hai

[@durgashankarswarnkar5230]

Plz explain Irda new Rules 11 June ..... Regard Cancel any time policy

[@GurleenKaurTikku]

This is as per master circular, explained in this video

[@FreshLights]

Nice video. One question - How will moratorium period be calculated for existing policies? For example for policies started last year will they have 8 years of moratorium or will it be 5 years counted from next renewal?

[@GurleenKaurTikku]

Yes, from next renewal

[@FreshLights]

@@GurleenKaurTikku Thanks

[@manishchaurashiya6008]

Wow Maim You Are a Master on your Profession

[@GurleenKaurTikku]

Thank you so much, keep watching !

[@vijaysawaran]

Mam kya health insurance company claim dene ke liye mobile location track kar sakti hai ya mang sakti hai customer se ?? Agar aapko pata ho to please bataye

[@GurleenKaurTikku]

Not sure jee, Haven't come across any such incident

[@bc.sumankumar]

Sbi k Arogya plus policy withdraw kr rha hai . Iske baremay video banaiye.

[@darkfedora990]

Yes, mere pas yea policy he. Email Aya he withdrawal ka. 2 din pehle hi Mera 1 cashless claim Pura approve Hua. They r very good in giving claims, as per my experience

[@harish-84]

Can you please do a video on SBI General Arogya Plus policy withdrawal update and situation for existing policy renewal for existing users?

[@GurleenKaurTikku]

Hello jee, please check the video : kzbin.info/www/bejne/q3_NoWiros2soM0si=DHfF3_5q7XDi5_rw Hope this helps , keep watching !

[@harish-84]

@@GurleenKaurTikku Thanks for the reply and sharing this.. There is also news about withdrawal of this policy and I'm not sure if they just stopped issuing a new policy or actual withdrawal where the policy holder has to migrate to another policy. I thought this might be a good topic if the news about withdrawal is true

[@dadasaheb5820]

Madam SBI super health pe vdo banaye

[@GurleenKaurTikku]

Sure, we will bring up a video soon.

[@sweetsongs6248]

Mam your videos are so so informative and we learn a lot from your videos too kindly help me I am trying for insurance from past 14years but after paying premium they return it by saying any time I can die but for past 14years with the grace and blessing of Gods and parents I am alive and strong I lost my one kidney 14years back due to 2stage RCC cancer but since then with one kidney I am fine still no one is giving health insurance please please please help me

[@sumondey9757]

Hello ma’am , Very well explained. And I have a question, as my parents health Insurance police has to be renewed on 17 Th , I am thinking of porting the police from Icici to New India assurance, my question is - no Clame has been make from the beginning , now as I wish to port from Icici to New India assurance floater, Can I get the benefit of No Clame bonus as you have mentioned in the vedio according to new IRDAI rules ??? Plz reply ma’am , as I have only 2 days in hand for renewal

[@GurleenKaurTikku]

NCB ,ay not be transferred currently, these rules shall be applicable from 31st july. You may check with New India for better clarity.

[@amitSingh-qo7ek]

​@@GurleenKaurTikku kua avi NCB transfer hai in migration same company now this is September month

[@jigarpatel9215]

16 no points we face for discharge Good Decision

[@GurleenKaurTikku]

👍

[@dibakarchakraborty8712]

Are everything and every medical conditions covered after the moratorium period within the sum assured?

[@GurleenKaurTikku]

Yes, covered

[@amitSingh-qo7ek]

​@@GurleenKaurTikku ma'am ager same company mai migration kare another plan to kya migration benefit milaga, star health wale to avi mana kar raha hai, unka kahana hai moratorium avi 8 year he hai