Health Insurance MOST ASKED QUESTIONS Answered | Don't Hide MEDICAL HISORY | Gurleen Kaur Tikku

Buying Health Insurance can be one of your best decisions if you chose the Right Plan & didn't hide your medical history to reduce the premiums.
In this video , we have shared the most asked queries from our viewers & have also included the screenshots to discuss each & every point clearly.
Please buy a Health Insurance but Never Hide your Medical History.
WATCH THE VIDEO FOR MORE DETAILS : -
✅ To buy insurance policies, click here - hareepatti.com/contact-us/
✅ Why HEALTH FUND is Important ? 💰 : • Why HEALTH FUND is Imp...
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For any queries:
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#healthinsurance #medicalhistory #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.

[@MaheshTrishan]

भारतीयों को जगाने के लिए धन्यवाद मैम

[@GurleenKaurTikku]

Thank you so much 🙂 Keep Watching ✅

[@husainmajor3256]

Excellent practical information.

[@GurleenKaurTikku]

Thank you so much , keep watching !

[@durgaprasadg6854]

Thank you madam ji Iske pahle bhi mujhe help kiya Thank u

[@GurleenKaurTikku]

Glad, keep watching !

[@BALVINDER-Singh]

SSA ji 🙏🏻, Mam i was non drinker but now after 5 years of the policy. It i start social drinking like 3 months mein ek baari then will it impact anywhere? 2 question - if i am upgrading my policy with same company toh mera same company mein trust count hoga. Like pahle mere pass Manipal Cigna prime protect thi abb Manipal cigna lifetime health hai. 3rd how is Manipal cigna lifetime health, is this policy covered Robotics. Note i have a health insurance from last 7 years.

[@niteshvadher9467]

You are the best Gaurleenji because you are 100% Honest God bless you always amen

[@GurleenKaurTikku]

Thank you so much jee, keep watching !

[@INSURANCE5369]

Useful

[@GurleenKaurTikku]

Thanks a lot 😊

[@virsinhrajput4576]

Gujrat me alcohol pe pabandi he kese bataye

[@durgaprasadg6854]

I told about my diabetic. Loading laga, aur policy mila. Thank u

[@GurleenKaurTikku]

Great !

[@narasimhanvenkataraman4419]

Madam I have a doubt which requires some clarity. I took a star comprehensive insurance policy for SI Rs 5 lakhs for self and my son on 25.10.2021 with Buy back of PED option of Diabetes and BP. Unfortunately I had a heart attack on 29.10.2021 and admitted in Apollo Hospitals Trichy and discharged with advice of Bye pass surgery. The same was done on 23.11.2021. I did not claim as everything happened within 30 days of inception of fresh policy. My first renewal was in Oct 2022. I enquired with my Intermediary to disclose the surgery but he was not inclined to do. Now my second renewal is due on Oct 2023 and this episode of yours is really excellent and made me think to disclose the Bye pass surgery done in Nov 2021. Great kudos to you for the great understanding of the insurance industry. Now in Oct 2023 it has come for second renewal. The question is whether the surgery done in Nov 2021 requires to be disclose now during the renewal for safe medical claim if any in future years. Pls advise. Regards

[@RakeshTiwari-tq9pk]

Mam epilepsy ki wajah se koi policy issue nhi kr ra pls advise what to do

[@jagtarjagtarsingh2364]

Very nice ji

[@GurleenKaurTikku]

Thanks, keep[ watching !

[@rohitjhariya8773]

Mam ! u r great.., and beautiful too..💐🙏

[@GurleenKaurTikku]

Thanks !

[@lingarajpatra702]

Very useful contents for every person like customers, agents, health insurance employees. 🙏👍

[@GurleenKaurTikku]

Thank you so much , keep watching !

[@thaju008]

which is the best policy for NRI family in India. is there any policy which we can use in 2 country's

[@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 😊

[@csarkar2361]

I disclose my PED but company give me retest with huge lot of money? I show PED so I test again with spend lot of money? I will launch case where IRDAI or Consumer forum???

[@akshayjadhav9435]

Niva Bupa reassure 2 vs Manipal Cigna advantage plsssss

[@shivasahani3356]

Manipal Cigna health insurance is best 🎉🎉🎉

[@shivasahani3356]

Choose always Manipal Cigna health insurance

[@vijairamdas]

Niva bupa poor, go for national insurance, hdfc ergo or Lombard

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with the suitable option according to your medical history & requirements.

[@Aj_9639]

Hi there 👋 Sir, both are different plan so there sould be no Comparison about these plan If you have child's in your family for whom you want buy along your family so go with Manipal cigna this give you 20k OPD benefit along base sum insured. If you want long term benefit plan go with Reassure 2.0+

[@vivekmundale]

WOAHH... about the DKA incident... surprising, yet educational DKA is Diabetic Keto Acidosis.. which is an acute complication occuring in diabetic patients... so it is related to Diabetes and logically need not be disclosed separately. On this...I agree with the patient. But as you said, better to reveal all the information rather than fighting for the claim later.

[@GurleenKaurTikku]

YES, IT'S ALWAYS BETTER TO DISCLOSE

[@neensatya4]

Mam, please make video on global cover of tata aig.thanks

[@GurleenKaurTikku]

jee, thank you for the video suggestion . We will bringup a video soon . KEEP watching !

[@vivekmundale]

What should we choose... higher sum assured or smaller sum with a top up? What are the pros and cons of both?

[@GurleenKaurTikku]

Great 👍

[@anupmaity9925]

Last year when I was taking a term policy, I wanted to disclose to take thyroid medicine but the agent told me that it is not necessary to disclose. What should I do now? Please reply.

[@prakharr.srivastava]

I believe you should speak with the agent and surely disclose that to the insurer. The entire purpose of an insurance is to retrieve claims when needed. A rejected claim is same as having no insurance policy at all.

[@GurleenKaurTikku]

You should disclose it , discuss with your agent once & connect with the insurance company.

[@LearnTheStockMarkets]

Mam unable to find which insurance is good. Niva bupa Re-assure 2.0 Vs care Supreme direct. In India, now the medical inflation is more than normal inflation. We can't predict how the medicals inflation will be going on. As the insurance agents mentioned like insurance premium will be updated as per the inflation. Can you pleased guide me. From past 3 weeks, i covered all your videos. Thanks for educating us.

[@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 & keep watching !

[@Aj_9639]

Hi Sir 👋 I'm working in IFFL as a Unit manager Have you got the policy or still looking for it ?

[@anantsharma6537]

I want to port my insurance to some other company. My current insurance agent is not in harmony with me. Can i change my insurance agent or i have to with the same insurance agent unwillingly.

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you !

[@AbhishekRoy-no7br]

Is it necessary to disclose & inform insurance company if something comes out during my Annual health checkup of my policy? Or it would be deemed that insurer will have the data automatically?

[@GurleenKaurTikku]

you need to inform the insurance company.

[@AbhishekRoy-no7br]

@@GurleenKaurTikku thanks a lot !

[@prakharr.srivastava]

Hello Ma'am, I am planning to go for Manipal Cigna Prime Senior Elite. My Mother and Father have PED (diabetes and BP respectively). I have a couple of questions: 1- Can I have a treatment in other zone? My family's ID proof is from Lucknow (UP) which falls under zone 3. Just curious .. what if I am referred to AIIMS? 2- For a 3 year policy.. do we have to pay the premium in one go? 3- Shall I choose individual policy for my Mother and Father aged 67 and 55 respectively ? Which one would be pocket friendly? 4- What kind of disclosure is needed for Diabetes and BP ? Is it a diagnostic test or an underwriting? Regards Prakhar

[@GurleenKaurTikku]

Hello Prakhar, Answering your queries below: 1- Can I have a treatment in other zone? My family's ID proof is from Lucknow (UP) which falls under zone 3. Just curious .. what if I am referred to AIIMS? Yes, you can, there will be a co-payment if you have paid premium for zone 3 and want to take treatment in zone 1 or zone 2 2- For a 3 year policy.. do we have to pay the premium in one go? Yes, upfront payment is required 3- Shall I choose individual policy for my Mother and Father aged 67 and 55 respectively ? Which one would be pocket friendly? Family Floater will be cheaper 4- What kind of disclosure is needed for Diabetes and BP ? Is it a diagnostic test or an underwriting? You need to mention the duration and hba1c/ BP levels, there is no pre policy medical checkup, underwriting team will call for verification

[@AjayKumarop695]

Make video on home insurance

[@GurleenKaurTikku]

jee, Thank you for the video suggestion ! We will bring up a video soon :) Keep Watching !

[@rahulsultania2516]

Mam... i had purchased health insurance policy for my father 5 lacs base policy from niva bupa and 1 crore super topup from Star health While taking policy he only had bp problem which i already informed during policy purchase, after 3-4 years from policy purchase recently he has been diagnosed with Thyroid, do i need to inform both insurer about thyroid or no need?

[@GurleenKaurTikku]

No need to !

[@Aj_9639]

Hi Sir, Please confirm which thyroid has been diagnosed Hyperthyroid or Hypothyroid? If Hyperthyroidism has been diagnosed you should inform that so maybe Niva bupa will charge so Loading Amount And you will not get trouble while claim or take a planed surgery if required

[@alisterbraganza9819]

Which policy is good Maam with maximum benefits for family of 3

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options. Thank you , keep watching ! 😊

[@prinklejain1087]

Mam is the company provide health insurance by pay monthly

[@GurleenKaurTikku]

It recommended to pay annually.

[@zindgizindgi-zh4wz]

Ssa maam mai apni wife(29) son(2) ki liye policy dekh raha hu kuch suggest kijea 10se 15 lakh tak ager mai esi vich mahi after 2 years pregnancy add karo to plz kuch suggest karo

[@Aj_9639]

Hi there 👋 Sir, Are you still looking for a plan for family with including maternity benefit?

[@hemantsharma4896]

Mam monthly premium pay kar skate hain kya

[@GurleenKaurTikku]

jee, but it's better to pay annually.

[@hemantsharma4896]

Thank u mam

[@csarkar2361]

Man PED ka nam kar ka insurance company ham ko loot raha hain...ager app bolenge to problem or na bole to problem what can we do ??

[@GurleenKaurTikku]

As told in the video also , Disclosure of medical history is important otherwise in the future claim can be rejected !

[@Deepak-uv8du]

History* misspelt

[@GurleenKaurTikku]

okay !

[@santoshkumar-bp6qn]

Hello maam... mwra querry bhi pick hota tho... madam i am blind with 100% disablity and 2 companies have rejected... as blindness is not a disease , why is this discrimination and can you please suggest a plan that can be issued..

[@Aj_9639]

Hi Sir 👋 Indian insurance companies only 50%-60% max disability tak customer ko hi policy issue karti hai apka time waste hoga Sir and nothing Even app care ke ek plan me try karte ho jiame thode changes h policy issue ho jaigi with co pay Plan name - care freedom

[@santoshkumar-bp6qn]

@@Aj_9639 Hi sir, thank you for your suggestion... time waste tho ho raha hai sahi me.. care freedom plan is of no use...

[@sumandebbarma1574]

You are telling to disclose everything, many times even we don't know what is going on inside our body, otherwise lots of people don't have died of cancer and other diseases which are known only in advance stages.Let the insurance company do all the tests before starting the policy,if needed charge it from us rather than making points in future for not settling it.We do health insurance for emergency purpose but maximum time insurance company find some points for not paying it.

[@GurmeetSingh-os4ir]

I completely agree with you.

[@pankhuridas2824]

15 साल पहले मेरा गाल ब्लैडर का ऑपरेशन हुआ था । तो क्या वह बताना जरूरी है इंश्योरेंस वाले को

[@GurleenKaurTikku]

Hanji , btana zaroori hai !

[@pankhuridas2824]

Ky iss karan se bhi woh reject kr sakte hai policy mera ?

[@dineshmewara7756]

मेरा मैसेज

[@angadsharma6509]

Ma’am aap whatsapp pe koi v sahi reply nahi deti ho aapka hi answer rahta tha mujhe nahi pata