Life Insurance - Amendment in Section 45 of insurance Act - No Rejection of Life Insurance claim

This video helps you to understand the Section 45 of insurance Act (Amended). How it works practically. It is applicable to all life insurance policy i.e. Term insurance, endowment policy, money back policy, ULIP ect. Insurance company cannot deny life insurance claim after 3 years.
Links: Link to insurance technical Channel - / insurancetec. .
All Videos are in Hindi
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#Amendmentinsection45ofinsuranceact #norejectionoflifeinsuranceclaimafter3years

[@rakeshkatare8331]

Very nice & important information sir 👍

[@rahulbochare1531]

Nice information

[@chandrakanttale6565]

Superb

[@anilgautam8322]

Bahot sahi

[@sahebraoshelke2153]

धन्यवाद सर

[@himanshukataria4171]

Tx sir ab mai aram sa sooooosakuga....

[@rjpixel1]

Excellent sir

[@ratindersinghphl]

Good job

[@prastutrecipe806]

Good information!

[@solankisir1]

Bahut achchha kaam Kiya apne... confusion dur ho gaya

[@thedeveshsingh06]

Thank you very much...

[@iamdhirajdubey]

बहोत ही अच्छी जानकारी , धन्यवाद

[@indiansyed7468]

Sir aap ka info bahut useful hi.Thank u God bless u.

[@InsuranceTechnical]

Many thanks for your kind words

[@ArtiDuaCFP]

Thank you posting such informative videos.

[@naturehumanity9493]

Sukriya।

[@azazansari424]

Shandar... M🙂🙂🙂🙂

[@gaurangshah9465]

Thanks for giving very important amendment regarding term plan.

[@InsuranceTechnical]

Thanks for your comments. Just to add it is not only fir term insurance but for all life insurance claim.

[@suryakantharhare3892]

Very important thanks

[@InsuranceTechnical]

Thanks for your kind appreciation

[@SimplyRealistic]

Bahut shaandar explanation 👌

[@abhishekkumarhemkar5616]

And thank you sir for making such useful videos...

[@technologyg1369]

Thanks sir

[@rakeshranjan2428]

I love your channel. Great job well done.

[@InsuranceTechnical]

Many thanks for your kind appreciation

[@jeetu9373]

Please make video on what types of deaths r not covered in term insurance (all types of exclusions)

[@RkKumar-st5cc]

Guy

[@RkKumar-st5cc]

C

[@bhadreshmodi2011]

Good News. Thank you.

[@jaganathpradhan7458]

Very informative sir... Hats off to ur effort

[@devendrayadav7030]

Important jankari.

[@InsuranceTechnical]

Thanks ...

[@vikaskashyap-lq3ti]

Bahut sahi information ye mujhe nahi pata tha

[@phalguni7235]

Bahut badiya sirji

[@shahdathusain4311]

Policy laps ho gai 2 saal lagatar premium bara aur 1 Saal Ni bara sab premium bar diye interest ke sath to ab 2 saal judenge ya ab isi saal se count hinge jisme premium bara hai phele ka Kya hoga

[@InsuranceTechnical]

Isi saal se counting start hogi

[@Ashish-fu8th]

Sir icici i pru smart plan k bare me btatga full detials plz

[@manishkumardas1105]

Very nice information sir Ji

[@jitendrasingh-kv6ld]

Very good information

[@kamaljitgidda5456]

Good news 👍 thanks sir

[@dilipdongre5763]

Sir apke dubara di gai kafi mahatma purna lagi

[@InsuranceTechnical]

Thanks...

[@advamandeeppapneja7325]

non disclosure of prevailing policy is comes under material concealment while availing new insurance policy under insurance act? please answer me

[@abhishekkumarhemkar5616]

Sir agr hmne online term plan lia to uska claim kaise karenge ...plz ese detail me bataeye...ya fir espr koi video bana hoto uska link bta de

[@BhotHARDik]

Sir PLZZ Help Mera Bhai Ki Death Ho Gai Hai 27 Years Old Aur Uska Yeh 4th year hai LIC wale Doctors Consideration Mang Rahe hai😢😢 Contact dedo aapka Call karna hai

[@manubhaithakker4842]

Best info.

[@shyaamjaiswar958]

Please suggest a good company for term insurance

[@InsuranceTechnical]

Plz watch this video Plan : Jeevan Lakshya (933) Age :32 Term :21 PPT :18 Death Sum Assured :5500000 Basic Sum Assured :5000000 1st year Premium With TAX 4.5% : Yearly : 267745 (256215 + 11530) Halfly : 135319 (129492 + 5827) Quarterly : 68383 (65438 + 2945) Monthly(ECS) : 22795 (21813 + 982) YLY Mode Average Prem/Day : 733 After 1st year Premium With TAX 2.25% : Yearly : 261980 (256215 + 5765) Halfly : 132406 (129492 + 2914) Quarterly : 66910 (65438 + 1472) Monthly(ECS) : 22304 (21813 + 491) YLY Mode Average Prem/Day : 717 Total Approximate Paid Premium : 4721405 Approximate Return at Maturity Time : S.A. : 5000000 Bonus : 4830000 F.A.B. : 500000 Total Approximate Return at Maturity Time : 10330000

[@kalyanmishra6650]

Please inform about group health insurance, of Aditya birla health insurance.

[@shuvamchowdhury1968]

If there's any minor surgery before taking the term insurance like (gall bladder operation, jaundice). Do i need to declare it while taking the insurance?

[@InsuranceTechnical]

Yes, you should declare it

[@manroopsingh11]

Gallstone operation krwata h aapne

[@radheyshyamsteelworkshop150]

Sir kya yeh sectoin lic ke teck term pr bhi lagoo hota hai.

[@InsuranceTechnical]

Yes

[@tridipdoley5902]

Mera lic amulya jeevan 2 policy term plan mey 2017 year ka..woha pey 2 years likha hey policy bond mey...ple reply sir..

[@anishleoj149]

Hello sir Please mention your NAME in video you had good idea about insurance with logic

[@vishramprajapat6969]

Good work

[@vishalharne4663]

Sir if a person give wrong info in term plan and death occour after 3 years , If there any chances for company to reject that person claim by giving reason that he has given wrong information during policy taken

[@InsuranceTechnical]

Is video ko dekhe isme wahi bataya hai

[@pareshkajrolkar4079]

Sir policy dharak agar suscide kre tobhi kya use 3 sal policy bhugtanpr insurance company LIC or any private company ise reject Nahi kr sakti.plz guide

[@naturehumanity9493]

Sir tarm insurance 2 company se le sakte hai kiya। Agr ek ne reject Kar diya। To dusri ka claim paas ho Sakta hai। Or। Dono v mil sakte hai।

[@Anilverma-ls2cl]

But, what if one completes 3 years and after that government changes the act. Then the claim will be settled by as per the new amendment. This means even after 3 years claim is subject to changes made in new section 45. Then this information remains invalid.

[@InsuranceTechnical]

Yes because New regulations will be applicable to new policy.

[@tridipdoley5902]

No police can not be call in question after 2 years is written in my policy bond..what is true..ple reply..

[@KapilMurarkar]

question : this 3 years is not clear. does it mean that before the amendment, the insurance company took 3 years after the death of the insurer/proposer and after 3 years , they rejected the policy ?

[@InsuranceTechnical]

In this 3 years insurer may raised questions on the information provided in proposal form

[@tirupatiweldingworks1719]

Early Clem ho nahi raha 2 ह फत्ते bhare he

[@pramodpanda7193]

Sir mere family main critical disease ka history hai. Kya mujhe term insurance milega aur claim bhi settle haga

[@InsuranceTechnical]

Yadi aapko koi problem nahi hai to problem nahi hoga, standard policy ya phir thodi premium loading ke saath policy mil jayegi. Check with life insurance advisors Yadi aap sahi jankari de ke policy lenge to claim zaroor milega.

[@shaileshsavla4328]

Pls make a video on financial under writing, on male and female. How to calculate life cover on male and female, how much life cover he or she get. How much income should be there. Pls make a video on this matter. Thank you so much.

[@devikatanwar515]

We specialize in helping families to secure and grow their savings for their future needs like Education, Retirement, Marriage, Health Expenses, etc. along with this, we'll advise you that how to save ur tax as well. So, Secure ur and ur family's future TODAY- WhatsApp at 7838664322

[@amitpanchal5882]

Sir maine term plan policy lene mai galti se self employed ki jagah profession banker bhar diya . Mujhe isse koi problem to nahi hogi sir payment ho chuka hai maine aaj hi policy li hai .please reply sir

[@InsuranceTechnical]

Kindly correct kara le. Aaj hi mail karein aur phone pe baat karen

[@amitpanchal5882]

Ok sir

[@vn3100]

Good video

[@malik_gamer_2M]

bhai policy jab li tab alcohol nhi krte or policy lene k 3 saal complate hone per alcohol se death ho jati h ya alcohol accident k karan to cleam rejaect hoga kya

[@InsuranceTechnical]

Claim reject nahi hoga lakin alcohol lena shuru karen ke baad 3 saal me iski wajah se death nahi ho sakti.

[@malik_gamer_2M]

@@InsuranceTechnical means alcohol lene k bad driving kre ya kisi or vajah se kuch ho post mortam me aaye alcohol le rakha tha us case me cleam reject nhi hoga n

[@InsuranceTechnical]

Watch this video kzbin.info/www/bejne/noinda13lL-pmc0

[@vishwajitthakur2250]

Monthly premium ko grace period 15 days ka hota hai lekin salary to kabhi kabhi let hoti hai to claim reject hota hai kya

[@InsuranceTechnical]

Policy condition se salary se koi sambandh nahi hai, yadi premium oay nahi keya to policy benefit nahi milega.

[@narendragautam1457]

Kya e term (lic) plans ya online plans par bhi yeh amendment lagoo hota hay? Kripya spasht karein

[@sandeeprathore931]

Bhai lic ka koi sa plan mat lena

[@ramakantpattnaik3866]

Sir,Nominee are legally entitled of the death claim in life insurance Policies after death of the life insured ?

[@vinnsinnxyz]

term insurance nominee can they be non Indian spouse?

[@InsuranceTechnical]

Yes

[@karankumar1511]

Please answer Sir ye 3years condition term plan per bhi lagu hata hai?

[@anumeetlakra298]

I too have same question . I heard that this order was passed regarding case of ULIP PLAN

[@InsuranceTechnical]

Yes

[@InsuranceTechnical]

Yes, it is applicable for all life insurance

[@shyamkanapuriya3386]

Sir hdfc ka life insurance lete samay proposal form me ajent ne job profile galat fill kr diya tha premium paid karte huve 4 saal ho chuke he to kya is base pe claim reject ho skta he ... section 45 ke according ???? Please advise me

[@PAVANKUMAR-fo6iu]

Sir or kya kya reason h claim decline hone k. Or koi choti mistake ho proposal form me jaise weight height me thoda difference to aisi mistake kha ti acceptable h

[@bantisharma9331]

PAVAN KUMAR bhai mere sath bhi yehi problam h

[@pp-zl9en]

Sir, pls make video on LIC Tech term plan ....I know u have already published one video but that time policy was not live. So please... Thank you.

[@InsuranceTechnical]

2 videos y already there, before and after the plan

[@dilipdongre5763]

Sir term policy lene ke liye aavsyak dastavej per ek video banakar samzaye

[@devikatanwar515]

We specialize in helping families to secure and grow their savings for their future needs like Education, Retirement, Marriage, Health Expenses, etc. along with this, we'll advise you that how to save ur tax as well. So, Secure ur and ur family's future TODAY- WhatsApp at 7838664322

[@rachitagrawal8922]

Which types of death not cover in term plane.

[@InsuranceTechnical]

Suicide with one year of policy issuance.

[@rachitagrawal8922]

Calamity, HIV. Terrorist atteck Death due to sky diving. Drink and drive ls cover if I selected no drink and tombaku.

[@InsuranceTechnical]

Yes, with respect death due to any diseases it should be developed after taking the policy, if any symptoms at the time of taking the policy should be declared. Most of the rest causes are exclusion of Personal accident policy not of term insurance.

[@rachitagrawal8922]

@@InsuranceTechnical thanks sir

[@rachitagrawal8922]

@@InsuranceTechnical plz updet my last question I take term plane of Bharti AXA I say no for options Sky diving. Parasut diving. And relatate adventure game. लेकिन जब में दोस्तो के साथ बाहर हाई हिल में रोप डिवीन कर लेता हूं ऐसे में टर्म इन्सुरेंस का एडवांटेज नही मिलेगा क्या।।। या तीन साल बाद सैक्शन 45 C के तहत मिल सकता है क्या ??

[@chaitanyajangra2096]

Sir मैंने अपना term insurance अपनी income ज्यादा बता कर लिया हुआ है मुझे लगातार 4 साल हो गए premium भरते हुए । क्या कुछ misshapning होने पर मेरा क्लेम reject हो सकता है

[@chandrakanttale6565]

Kya mein LIC jevan Amar aur lic tech term dono ek sath le sakta hu? Insurance agency relative ki hai aur uka kehna hai offline Jevan Amar hi sahi Jeevan Amar mein claim settlement hassle free hai aur online risky hai. Fir Maine Socha ki 1cr ko divide Kar ke dono plan leta hu. Please suggest Kare

[@anilKumar-cp5bj]

Sir MERI loss of job claim but company rejected Kar rahi hai kya

[@BabluSingh-xx8ur]

Sir Premium 3 Year Diye But 3 Year Nahi Hua So Please Suggest Me

[@skmsantosh]

Good one

[@InsuranceTechnical]

Thanks a lot

[@shaiksaleem5919]

Sir my question is if policy holder is pregnant at the time of policy that she doesn’t know,if she fills no on pregnent option in proposal form after her death claim is rejected on this grounds by company.reply me

[@devikatanwar515]

We specialize in helping families to secure and grow their savings for their future needs like Education, Retirement, Marriage, Health Expenses, etc. along with this, we'll advise you that how to save ur tax as well. So, Secure ur and ur family's future TODAY- WhatsApp at 7838664322

[@dhrubajyotibora7243]

Is act ke hote huwe bhi har kisi insurance company ka claim Settlement ratio 100 % nahi ane ka wajah kya hai? Kya sirf 3 sal ke andar hi claim jyadatar reject ho jati hain?

[@InsuranceTechnical]

Yes, kuch log galat janksri dekar policy lete hain aur kuch log critical illness hone ke baad

[@neelendersingh804]

Mr Sharma is 60 years old. For the six decades of his life, he has never opted for insurance. Recently, he attended a seminar in his society which highlighted the need for insurance. After returning home, he researched different types of insurance to find out which was the most suited for him. He is confused as to which of these two types of insurance he should go for: A) health insurance (during his last visit to a doctor, the doctor had indicated the potential need for surgery); or B) life insurance (he wants his family to have financial security as he is nearing the life expectancy in India) You are an insurance advisor. What would be your piece of advice to Mr Sharma? Would your advice change if you were to advise Mr Sharma's 30-year-old son to choose between health insurance and life insurance? Elaborate upon your answer.

[@AnilSharma-qz5yh]

LIC ke premium aur pvt company ke premium me itna jyada antar kyo hai?

[@NISHAKUMARI-kn1vr]

Sar icici sa tram insurance khreda hy mom na laken kulifeksan 10th hy laken bond paper show graduate hy sar Policy 4 years ho gya h ya

[@shadabchipa9658]

Yes sir iski information mujhe bhi chahiye

[@hiteshjain1735]

Sir me term plan Lena chahta hu . Lic Aur Icici kindly suggest me which is best & clam kis me jldi milega

[@InsuranceTechnical]

Aap is video ko dekhen kzbin.info/www/bejne/n5OucqCkgd6hsLs

[@Basantkumar-jn9gj]

Sir mujhe private company ke term insurance ke proposal form me mere dwara pahle ligai lic ke endowment policy ki jankari deni hai ya nhi . kyoki private insurance company ke agent ne lic ke endowment policy ki jankari proposal form me likhne se mana kar diya aur kha ki kewal pahle ligai term policy ki jankari deni hai Jo ki active ho.

[@InsuranceTechnical]

Ideally hunr sabhi policy ki jankari deni chaheye

[@Basantkumar-jn9gj]

Sir mane vhul se policy ki jankari nhi di hai to three year's ke baad bhi claim reject ho sakta hai bataiye aur mai kese fir se apni jankari ko policy me update kara sakta hu

[@Basantkumar-jn9gj]

Sir private insurance company ka branch office mere state me nhi ho to us company se online turm insurance Lena chahiye ya nhi

[@Simran-102]

Sur mere papa ka star helth allied insurnce company se poliy liya tha jinka acident 29/5/2019 me daet ho gyi jis ka clam hu log kiya h lrekin abhi tk cleam setal nahi hua

[@abhishekkumarhemkar5616]

Kya online term plan lena sahi hai...??

[@rajalaxmi4359]

Sir section 45 amendment purani policy par Lagu hoga.main 2010 liya ha

[@vashudevshukla5113]

8929391181 legal advisor call him

[@abidhusen9460]

Sir agar policy 3 year tak bhari aur pese ni hone ki wazah se bad mai nahi bhari aur agar deth ho gai to kya bima ka pesa milega

[@InsuranceTechnical]

Nahi, bima ka paisa tabhi milegi jab policy chalu ho.

[@bantisharma9331]

sir mene 100 year term plan liya h meri age 59 year h mera medical bhi hua h but agent n form glat feel kr diya h amount bhi 7800 month m kya kru please help me

[@InsuranceTechnical]

Insurance co. Ko mail kar ke apni information correct kara legeye

[@sanjayojha4628]

My dear do new policy if your proposal have mistake. Sanjay ojha Lic agent mob.[phone]

[@sandeepjadhav3322]

Sir maine Feb 2020 me 2 bar max life se term plan lene ki koshish ki aur dono bar max ne policy issue nahi ki . Iss ke baare me muze aap se discuss karn hai , pls aap ka contact no. Milega?

[@Simran-102]

Bima compay wale police final report mag rhe jo ki abhi karyawahi chal rahi kya is vishay pr company cleam rejet kr degi kya

[@InsuranceTechnical]

Police apna final repot usually 90 Days me deti hai

[@nitinramrakhyani8882]

agar person uneducated ha toh term plan le sakta ha kya kisi company ka

[@santoshsaxena8873]

Sir.....Policy lete time person smoke nahi karta tha...lekin kuch saal baad smoking suru kar di...agar 5 saal baad person ki death smoking se hoti hai to uss case me company claim reject kar sakti hai kya

[@SujitKumar-hn2yp]

Sir section 45 jo lagu hua hai isake bad bale policy par lagu hoga ki isake pahle jo policy liya hai uspe bhi pls sir bataye

[@InsuranceTechnical]

ye sabhi policy pe lagu hai.

[@bantisharma9331]

Insurance Technical term insurance pr bhi

[@radheyshyamsteelworkshop150]

@@bantisharma9331 bhaiya kya yeh lic ke teck term pr bhi lagoo hoga

[@sandeeprathore931]

Sab compani se life insorense lena mager lic kabhi mat lena claim dene me bahut natak karti hai

[@SurajSingh-kh6ns]

Sir Lic Me Sec 45 abhi bhi open h kya Sir plz tell me sir plz. 3saal baad claim milene Me problem To ni hoga na sir plz tell sir plz 🙏🙏

[@9927388257]

Sir Agar kisi person ko cigrate ya drink karne ki habit term insurance policy lene ke baad pad gai aur uski death ho jati hai to claim milega ya nahi.

[@vijayjadhav5140]

Apko apni insurance company ko iske bare Jaan kar dijiye iske sayad apka premium badega lekin claim me koi problem nahi ayegi?

[@increaseyourlife2612]

Sir revaivel ka samay kitna hota he

[@SanjayPatil-ys3px]

sir main pichle 1 saal se term insurancE lene ki koshish kar raha hoon... but drink nd drive inliglly activity hain agar aise me death hoti hain... to ...tata aia... aur ...kotak enka bolna hain ki claim hum pass nahi karte claim reject karte hain.....basic sum assured bhi nahi milega....section 45 me jo bola gaya hain....ki....3 saal k baad kisi bhi tarah ka claim reject nahi kiya jaa sakta....plz ab aap hee bata dijiye main kya karu.....mujhe... max life....hdfc...icici...in 3 compny me se kiski policy purchase karu....sir plz help I....

[@InsuranceTechnical]

Insurance company select karne me ye video help karegi, kzbin.info/www/bejne/q2XXf5-ifaapnJY Drink and drive ka exclusion PA me hota hai accident benefit rider me hota hai term me nahi, jab policy suicide cover karti hai to is se danger aur kya ho sakta hai and suicide bhi illegal activity hai lakin wo to cover hai.

[@anilbutala4454]

Term Insurance also Covered in this ?? I am Planning to Buy A term Insurance Of Icici

[@InsuranceTechnical]

Yes, It is also a Good company

[@raghunathwayase]

सर जी मैने aegon life insurance customer care मे फोन करके यही सवाल किया था, की आप तीन साल के बाद term insurance का क्लेम रिजेक्ट कर सकते हो क्या? तो उसने कहा था की अगर आपकी policy मे कुछ गलत नजर आया तो हम clem 10 साल के बाद भी रिजेक्ट कर सकते है।

[@InsuranceTechnical]

They will continue to say like this else people will take policy with wrong information. Always policy should be taken with proper information.

[@sunilkhandelwal4503]

सर इस vedio मे date of rider भी लिखा हूआ था। इसका भी section 45 से कोई लिंक है कया

[@InsuranceTechnical]

Nahi , ye by mistake hoga.

[@VISHALRAJ-rr2pv]

Sir it's again given relaxation now I think please check and confirm.. Also critical illnesses 30 days Inhospitalization Other terms and conditions.. Will be there... I think max term insurance will get reject because what will they get if we pay 20k yearly and they give 1cr

[@maheshmodi5568]

Sir मेने एक टर्म प्लान लिया है बैंक वालो से मुझको सिर्फ एक पेज के एक फोर्म पर दो जगह साइन करवाया गया है और कुछ भी जानकारी पूछी नही है और में 10 क्लास फेल हु बहोत से एजेंट ऑनलाइन कहते है कि टर्म प्लान लेने के लिए 12 वी क्लास पास होना जरूरी है अब मेने बैंक वालो से बात की उन्होंने कहा हम आपको अंदर ग्रेजुएट दिखएँगे ओर कलेम आता है तब एजुकेशन का कोई इसु नही होता है या एजुकेशन के बेस पर केलम रिजेक्ट नही होता है और दूसरी बात बीमा कंपनी की डाक्टर ने वीडियो कॉल के जरिये मेरी फिटनेस की पूरी जानकारी ली और मेरे परिवार के फिटनेश की भी जानकारी ली और इस वीडियो कॉल की पूरी वीडियो रिकॉडिंग भी की ओर मेने सारी जानकारी भी सही दी उसके बाद बीमा कंपनी को मैने फिजिकल मेडिकल के लिए काल सेंटर पर बात की तो उन्होंने कहा कि अपने हमारे डाक्टर को वीडियो कॉल पर जो जानकारी या दी है उससे आप के फिजिकल मेडिकल की कोई जरूरत नही है फिलहाल आप फिट है सिर में नही किसी तरह की कोई तम्बाकू का सेवन करता हु ओर नही कोई और गुटखा का बस में 8 दिन में एक बार ड्रिंक करता हु 120 m.l जिसकी जानकारी भी मेने वीडियो कॉल पर कंपनी के डॉक्टर को दी है अभी मेरी पोलोसि इसु नही हुवी है अगर पॉलिसी इसु हो जाती है तो क्या मुझको ये टर्म प्लान जारी रखना चाहिए सिर बहोफ से एजेंट कहते है कि टर्म प्लान में सिर्फ हेल्थ ओर इनकम प्रुफ ही मेन होता है इनकी जानकारी गलत नही होनी चाहिए बाकी ओर कुछ मायने नही रखता है अब आप बताइए sir की मुझको आगे क्या करना चाहिए में एक मिडल क्लास परिवार से हु बाद में केलम में कोई प्रॉब्लम होगी या नही कुछ समझ मे नही आ रहा है

[@InsuranceTechnical]

Aisa karna to hai galat he, yadi 3 saal ke andar claim aa gaya to company wale premium lauta denge, claim milne ka chance bahut kam hai. 3 Saal ke baad claim me problem nahi honi chaheye. Iske baare me mai jankari jama kar raha hu jald he ispar video banunga.

[@kamalveersingh5506]

Section act 45 me irda ne changing kar diya hai ab 45act me 3year baad bh clim rejected ho sak ta hai

[@InsuranceTechnical]

Kab hua? Kindly check karein. Meri jankari ke anusar 2015 ke baad isme koi change nhai hua hai.