Health Insurance Claim Can't be REJECTED | IRDAI Insurance Regulations 2024 | Gurleen Kaur Tikku

The IRDAI has also reduced the moratorium period significantly from 8 years to 5 years.
Once an active health insurance policy’s moratorium period ends, the insurer cannot deny any claim covered by the policy on any grounds, except fraud.
The moratorium would be applicable on the sums insured of the first policy.
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✅ RDAI Latest Insurance Regulations 2024 : • IRDAI Latest Insurance...
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✅ TIME STAMPS :-
0:00 Introduction
0:51 Earlier Rules for Moratorium Period
1:03 New Moratorium Period by IRDAI
1:36 Details about Moratorium Period
2:50 Example for Moratorium Period
3:33 Clause for Moratorium Period
4:10 Fraudulent Activities
5:08 Claims Can't be rejected
5:50 Conclusion
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#irdai #healthinsurance #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 19 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.

[@zonejvm]

Great information, due to this new rule, insurance companies are not accepting new policies of people with PED.

[@yshah84]

Definition of Fraud is a grey area & very subjective

[@yshah84]

@@PINKYinsuranceSolutionsFintech very true

[@janmejaymohanty9454]

​@@PINKYinsuranceSolutionsFintech which KZbin channel?

[@amitroy6972]

Very impressed with the content and presentation . Clear , concise and meaningful presented with a pleasant disposition . Thank you , Gurleen 🙏

[@ranamondal9970]

Thank you madam. This is really good news and this information is really helpful for an insured person. Thanks again 😊

[@tanmay8195]

Nice Info it will help to many people Thank You Gurleen Ji 🙏🙏

[@GurleenKaurTikku]

Glad 😊, keep watching !!

[@ajaybhat9359]

very informative... thanks

[@MrHaresh23]

Great Video Mam. Pls keep making such videos 👍

[@mohitmaskara4716]

Does the moratorium clause also applicable to the No claim bonus/ plus benefits & Secure benefits (in case of hdfc ergo). Please specify.

[@kapil_Maheshwari]

Like everytime thank you for your guidance...now I am always updated with insurance things...🙏 Also shared with my group to follow you...

[@GurleenKaurTikku]

Thank you so much, keep watching & do Subscribe 😊

[@devendranaidu3394]

Thank you for sharing valuable information

[@GurleenKaurTikku]

Glad it was helpful!

[@saisurya1135]

Thanks For the Valuable Information Madam

[@GurleenKaurTikku]

Thanks a lot, keep watching !!

[@kalyanmishra6650]

Mam Moratorium existing policies me milegi ,kya group policies me bhi ye applicable hoga ?

[@utkarshkrishnajha3857]

Madam, No claim bonus kaa moratorium?

[@ibunlimited]

*Hi Gurleen, thanks for a neat elaboration with examples on 'Moratorium'. Very useful video indeed for the viewers.*

[@GurleenKaurTikku]

Glad it was helpful! Keep watching & do Subscribe 😊

[@devendranaidu3394]

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 ?

[@ibunlimited]

@@devendranaidu3394 Like all other 'benefits' or 'specific exclusions', et al, 'Moratorium benefit' will also enjoy retroactive effect, regardless of porting.

[@GurleenKaurTikku]

The moratorium period will be carried forward with porting as per IRDAI guidelines

[@devendranaidu3394]

@@GurleenKaurTikku tx u for clarifying 😊

[@moksh9271]

HI I need your Help. My claim got rejected stating non discolsure. Request you to please guide me.

[@skylinegamer6313]

❤ 0:13

[@santoshmandrekar46]

Thank you very much ma'am 🙏

[@GurleenKaurTikku]

Keep watching

[@davidfinancialconsultancy4609]

Thanks 👍

[@GurleenKaurTikku]

Thanks a lot, keep watching !!

[@kuldeepsingh-od6sr]

Nice explanation

[@GurleenKaurTikku]

Thanks a lot, keep watching !!

[@varinderpalsingharneja3540]

Well describe IRDAI rule..

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@healthylife4516]

What about existing Niva Bupa Reassure 2.0 Platinum? Please guide.

[@YashNeetpg]

Mam please make a video on health insurance for depression patients as PED I mean which companies are willing to offer insurance??

[@abhishekrampal8641]

mam pucha tha company se vo kehte new rules only new products pe applicable hai

[@sureshv7724]

How about icici elevate plan

[@sigtianikita]

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??

[@rdjstark7415]

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?

[@akshaydixit4094]

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??

[@learnwithmamalove]

My 1st Health Insurance Policy 2015 still active...

[@VinayKumar-xx1jd]

Mam companies like Care health insurance is saying ki unhe abhi tak written mai IRDA ki y guidelines nhi mili h islye unke plans mai abhi bhi waiting period 4 years hai and moratorium period 8 years, Eg - Care Supreme Plan... Kya aap bta sakti hai ki sari company new guidelines k according plans kab tak launch kregi? So that new plans lene wale ko y benefits mil paye

[@shivasai362]

augusts se applicable hote hai mostly

[@Shivaenna-rh5sr]

Nice 👍

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@vishwanathvt7701]

Is it applicable for only new policies or also for the existing policy holders?

[@senguptasentertainment8790]

Yes for all deadline for insurance companies is 31.07.24

[@user-fj7ek4im4o]

Hi Ma'am, Ye Moratorim Period Super-topup me v count hota hai kya ???

[@GurleenKaurTikku]

Yes

[@bhavinkhona3676]

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-er2ft]

It will be considered a new policy

[@dibakarchakraborty8712]

👍👍

[@GurleenKaurTikku]

Keep Watching !

[@acivt2532]

This is tough question but IMPORTANT. Does new moratorium starts from year 2024 on-wards only?

[@GurleenKaurTikku]

Yes

[@maloyroy1]

I can't get answers from you for my question

[@AsitKumarGupta]

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'

[@acivt2532]

No problem with grace period (30 days). This is clearly mentioned in IRDAI document refered by Gurleen madam.

[@acivt2532]

What is not clear - does moratorium applies for past years (BEFORE 2024)?

[@pankajsharma-np8rl]

Govt should launch a health savings scheme like kisan vikas Patra or national saving scheme etc with more interest rates than normal FD.

[@entertainment4you409]

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 ?

[@GurleenKaurTikku]

yes, claim milega.

[@entertainment4you409]

​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

[@devangkapasi7097]

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 ????

[@GUDDUKUMAR-ke9th]

Medical insurance lene h konsa policy le please help me

[@nileshsamdani6851]

Can i help u?

[@drrouf-er2ft]

What's the moratorium period of term life insurance .

[@TruthSeeker10250]

2 years

[@vickybansal5191]

Bliend person ko miljayegi kya health policy madem

[@Amandeepsingh-qg6dd]

Yes care freedom plan is available

[@sangitaverma6190]

Is this also applicable after policy portability?

[@GurleenKaurTikku]

Yes

[@ramdasiyer2217]

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' .

[@GurleenKaurTikku]

Yes, Moratorium is applicable

[@dineshbohara2629]

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

[@GurleenKaurTikku]

Yes, in portability also, moratorium benefit will be given since inception

[@user-lm8sg5qp6h]

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.

[@shamimahamed6850]

No

[@arunnayar858]

Most Insurance companies are not following this regulation and we need to knock the insurance ombudsman doorsteps

[@riskyankit]

now they will cover money by increasing premium.

[@hnbright]

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?

[@GurleenKaurTikku]

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

[@hnbright]

@@GurleenKaurTikku Got it. Thanks.

[@trnswamy]

Insurance companies will misuse the clause of fraud. This is a grey area. IRDAI is not clear who determines the fraud.

[@AdityaSingh-iv9wz]

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

[@alokbakshi6001]

Medical claim kya sirf in patient ko hi milta hai. Please reply

[@GurleenKaurTikku]

Yes, in patient hospitalisation is covered

[@grajji5299]

Break up means how?. Suppose payment of renewal is done late within grace period, is it break..

[@GurleenKaurTikku]

Break in means renewing after grace period

[@user-lm8sg5qp6h]

Mera policy Care me hai. Date commence 2017.

[@sarojkumarsahu8315]

How many days grace period is given by the insurance company??

[@cricketwithAshu_j]

30 days in renewl of policy

[@Amit-0051]

Claim rejected for 8 years old policy stating non disclosure No break in insurance policy

[@therevolutionary523]

Which company and which city and for which disease? What were the reason given by company

[@dhavalvalia]

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.

[@therevolutionary523]

Sabse badi bewkoofi ki aapne apni life ki

[@Moca8610]

Very complicated

[@GurleenKaurTikku]

We have tried to simplify it as much as possible.

[@Oldschool-Gamer]

Yeh konsa new clause he ?

[@GurleenKaurTikku]

Old clause hi hai

[@PrabhatKumarPatel-ex6nn]

Wow mem

[@GurleenKaurTikku]

Thanks a lot !

[@rakshithavidhya333]

In spite of asking the PED only, there is a fraud...😅

[@vivexplorer842]

I HAVE 50 LAKH HEALTH INSURANCE RECENTLY BOUGHT JUST 1 WEEK BACK 22 YRS OLD , AND I DONT WANT EVER TO CLAIM

[@sureshv7724]

Jai Hindustan

[@shaileshmaheshwari3771]

NIVA BUPA moratorium period नही मानेगी। Reimbursement claim करके देख लीजिए।

[@Yakridu_Anna]

Report to IRDAI with documentary evidence.

[@shaileshmaheshwari3771]

@@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.

[@annamalayadevi]

I was planning to take Niva Bupa now....My earlier was star health...which is a useless company.... should I go for niva Bupa?

[@shaileshmaheshwari3771]

@@annamalayadevi Never or get ready to get rejected reimbursement claim if ever taken

[@magicrecreatedmusically8405]

​​​@@annamalayadeviWe will guide you to buy the right insurance. Reach me.

[@lingarajpatra702]

Ma'am, Iss video thoda bhari ho geya. Thoda easy language main 1 bar aur banate to jada achha hota !!!

[@user-eu7qv2jy7f]

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🙏🙏🙏

[@ravijadhav2011]

सर शायद आपको पॉलिसी नही मिलेगी

[@utkarshkrishnajha3857]

Care heart plan.. What's yr phone number

[@veeranarayana]

Contact star health cardiac plan 30 days coverage star cardiac issues below 70 years only no co payment

[@gourabgorai4561]

Ayushman Bharat ka card banaao

[@user-eu7qv2jy7f]

@@gourabgorai4561 kaise

[@praveenbalajibalasubramani116]

Thanks for the English subtitles. Else, I don't understand anything in your video and not worth the view.

[@GurleenKaurTikku]

Thank you, keep watching !

[@sonusharmaofficial01]

Ma'am, If we migrate police to another plan in the same company without loosing the continuity, So, will the modatorium work?

[@hnbright]

Yes. it will. She mentioned that in the video as well.

[@riddhimanhalder9055]

Magic

[@shaileshmaheshwari3771]

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।

[@GurleenKaurTikku]

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

[@ankittiwari-ex2tu]

Fraud ko fraud😂😂😂