Medical History in Health Insurance MUST BE DISCLOSED | Don't Do This MISTAKE | Gurleen Kaur Tikku

If you have pre-existing ailments such as diabetes or hypertension and declare it at the outset, your insurer could still offer the cover.
But what if you fail to ― deliberately or otherwise.
If you were to file a claim later and the illness gets discovered then, your insurer could reject the claim, or worse, cancel the policy
WATCH THE VIDEO FOR MORE DETAILS :)
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✅ Pre-Existing Diseases in Health Insurance - • Pre-Existing Diseases ...
✅ Medical History & Pre-Existing Diseases in Health Insurance : • Medical History & Pre-...
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health insurance , best health insurance , health insurance claims , health insurance claims rejected , claim rejection , health insurance agent , medical history health insurance , pre existing diseases , insurance agent , health insurance hindi , Health insurance exclusions , health insurance terms & conditions , health insurance PED , Health insurance premiums , health insurance 2022 , health insurance india , gurleen kaur tikku , health insurance approved , financial advisor , cfp , hareepatti
#medicalhistory #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 17 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.

[@rajendratiwari2087]

वाह!!अनमोल जानकारी की वीडीओ ❤❤ मुझे 14मार्च 2022 को 10 लाख की तीन वर्ष की निवाबुपा रियास्योर पालिसी जारी होने की तारीख के चार दिनों बाद कम्पनी द्वारा दिए एनुअल हेल्थ चेकप मे बीपी का पता चला तो अब क्या करना चाहिए। कम्पनी को सारे रिकार्ड भेजकर reambarment भी दो वर्षों से करा रहा हूं। दश साल पहले हुए पत्नी का परिवार नियोजन,उल्टा परिवार नियोजन,एमटीपी,इंडोस्कोपी टाइप को सामान्य समझ कर प्रपोजल में नहीं बताया था और स्वास्थ्य भी सामान्य है। कृपया बताएं मुझे ईमानदारी से बीमा चाहिए।

[@GurleenKaurTikku]

Hello jee, Thank you so much. You can connect with us on WhatsApp/Call at 9650706699. Our team can assist you 😊

[@gopeshwar.m7658]

No time waste, straight to point. Not taking time to breath also so fast in explaining and that to with clear explanation. Thanks 🙏 madam. Please make video on what all services/support we subscribers get if we contact and purchase/ investments done.

[@GurleenKaurTikku]

Thank you so much 😊 We have made a brief video on the services we offer. Please check this link : kzbin.info/www/bejne/bpC7laubmrB7q5o If you have any queries, you can connect with our team on WhatsApp at 9650706699

[@balram2001]

Amazing! You are so clear. Many thanks

[@GurleenKaurTikku]

Glad it was helpful ! Keep Watching 😊

[@marketconclave]

Please make a video for specific disease time period

[@pscraft1337]

Should anxiety problems be declared?

[@mandevi7479]

Nice Thank you!

[@GurleenKaurTikku]

Thank you, Keep Watching 😊

[@pleasant66]

Mam, Does Insurance company specifically endorse or give in writing in the policy that pre existing disease declared by us will be covered after so and so waiting period, with so and so capping etc.

[@vijaymistry9562]

Great information for before bying the health insurance policy

[@GurleenKaurTikku]

Thank you so much jee, keep watching

[@surajpatil8252]

Mam what kind of health checkup to get done for identifying pre existing diseases?? There are so many medical check-up available. Plz guide

[@MathsFunRaj]

If I completed 4 year then port what has be done now?

[@surbhityagi385]

Mene policy port krayi Or agent ko preexisting disease k bare mei btaya tha lekin agent ne form mei nhi likhi Or jab mene operation kraya toh claim reject ho gya

[@praveenkumarshakya809]

Is it also applicable on term insurance

[@siddhantasatpathy5827]

Hi Mam, is this applicable for Term Insurance also ? I have missed to declare high- triglycerides.. never taken medicine or admitted in hospital, so answered No in proposal form.. What should I do next ? Should I inform insurance company as they have not done Medical checkup during insurance claim.

[@bharatvarsh9486]

Mam, yadi ek insurance me family floater plan ho to Port karte samay yadi individual plans lena chahe to kya jo members hai vo aisa le sakte ha? Ya floater ke form me hi port hoga? Mam please reply kare. Mujhe port karna hai.

[@YashpalSingh-cu8wt]

6 sal purani medical m floater policy mein kya disclose karna hoga

[@sudheeryadav9157]

Mam mere dost ka ladka handicap h or usne family health insurance liya huva h jo ki 5 saal se continue h lekin policy agent ne ladke ko normal dikha rkha h policy mein to abb hospital claim dene se mna krr rha h abb mam kya kiya ja sakta h ?? ( Kya correction ka koi procedure hota h mam )

[@patelnaresh7335]

Hi mam I am 4 year sompo insurance and 5 year port to Birla agar future me kuch bimari nikli to policy kya hoga ?

[@appu5ful]

I have a stricture problem and I declared it while taking policy they rejected my plan and are not providing me a term plan. What should I do now?

[@subhajit88basu]

very helpful information

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@bimaldas2901]

Hi, Mam maine 1 week pehle health insurance ke liye apply kar diya tha but insurance abhi tak start nahi hua tha. After 1 week ke baad meri ek fissure surgery hue, aab main kya karun

[@prashantmane3952]

Thank you 🙏🙂

[@GurleenKaurTikku]

Thanks for watching !

[@pratik19991]

agar koi purana disease 4-5 year pehle huwa ho jo aur cured ho chuka ho toh kya usse disclose karna jaruri?

[@amanjaiswal6583]

My father had open surgery for kidney stone 13 years ago. In 2022 and 2023 got health insurance in HDFC ergo. Then ported to Star Health Insaurance and in both companies does not disclosed about kidney stone surgery. And few days ago got admitted in hospital for kidney swelling problem and went through a minor operation admitted for 2days in hospital. And i want to claim expensed Will i get claim from star ?

[@VinodPatil-gf6iw]

Great Information Madam! I have take Optima Super Secure Plan after going through your video on it and your guidance on WhatsApp. Thank a Lot Madam ji!

[@GurleenKaurTikku]

Glad that we were able to help you. Thank you so much & keep watching 😊

[@prasannakumarnanda387]

Kindly do a programme on Moratorium and its impact on portability

[@GurleenKaurTikku]

Jee, Thank you for the suggestion. We will try to bring a video soon.

[@karanthakur6623]

Mam plz make video about smoking? If we smoker and disclose at the time of taken Health plan, what happened if claim come about Cancer or any disease, which is related with smoking. Insurance company will give the claim or not

[@DhananjaySingh-mn9wj]

Very nice explanation

[@GurleenKaurTikku]

Thanks, keep watching !!

[@6krosdon1]

Mam meri star ki policy hai online li thi 2 saal pehle but aaj tk koi paper nhi aaya hai . Iss maheene jab renew karne gya to dekha meri do me se bas ek medical condition likhi hai usme . Ab bina paper k main check bhi nhi kar paya . Aur company ko call kiya tha pehle paper k liye to unhone kaha ki everything is becoming paperless so dont bother about it.

[@s....982]

Online site prr register kijiye …wha Savi policy ki details download krr skte hai and renew ke samay always physical copy prr yes tick kijiye….

[@hey.maverick]

Hello mam, thank you for the video. I have a question. A few months back, I had a knee injury while playing football. I got an MRI and found that I’ve got a slight cartilage tear. I’m getting physiotherapy treatment for this, I have almost recovered. Does this qualify as a pre-existing illness / disease? Do I have to disclose this before buying health insurance? I’m considering to buy HDFC Ergo Optima Secure policy. Thanks in advance.

[@jegdeeshcse]

yes, we need to disclose

[@user-yl6ex8qn1e]

Thanku madam

[@GurleenKaurTikku]

Keep watching !

[@prashanttulasyan5677]

Mam care supreme plan or nivabupa reassure plan which one is better? My age 29, sumasrd 5lakh

[@GurleenKaurTikku]

Niva Bupa ReAssure is a great plan from our point of view. If you want any assistance in buying a policy, kindly fill this form & our team will connect with you directly. FORM LINK : hareepatti.com/contact-us/ Thank you 😊

[@mohammadvakeel3395]

Please explain this (Reference No.: IRDAI/HLT/REG/CIR/003/01/2020).

[@manikanta484]

Hi Mam, if I port the existing policy insurer to a new policy with a low sum insured compared to the existing policy sum insured amount then is that No claim bonus applied or not to take the new policy ?. Pls clarify the same

[@s....982]

Only company can give answer

[@prabhabatidas3573]

After c section delivery mujhe hypertension, diabetes k problem arise huye..jiske liye post partum paralysis ho gya...acute kidney injury bhi ho gya tha..uske liye two dialysis bhi Lena pada..but 1 month ki treatment k bad sob kuchh normal ho gya...now I am fully recovered... Health insurance k liye eligible hu kya?

[@GurleenKaurTikku]

Health insurance looks difficult in this case

[@atulsingh7539]

Ma'am, I was diagnosed with IBD Crohn's disease in 2022 (age 22 years), and have not taken any health policy, but now I am not able to buy a health policy, whenever I tell them that I have this disease. But one can fall ill, or due to an accident also get hospitalized, in this case, what shall one do, should I not disclose my pre-existing disease, or without disclosing serve the moratorium period, then raise claims after 8 years if anything happens, till then get treated on my own cost, etc. Please, help/guide or make a video for this type of case, (where, what one should do when the company is not giving insurance to any pre-existing disease, how they should buy the insurance). Thank You.

[@amitbisht99]

Mili koi company jo ibd accept kare

[@atulsingh7539]

@@amitbisht99 No company is ready to. And even these people (the host of this video/channel) didn't try to cater to this question. Therefore it is safe to assume, they are also useless in this case.

[@AR-82]

What if someone has already hidden his pre existing disease in policy and its 3-4 years running? Someone did not disclose PED as he was guided that PED will be taken care of automatically after the waiting period so its not important to disclose. What should one do now to disclose his PED to insurer??? PED was detected 6 years ago and policy was taken 3 years ago. Wont his policy be terminated? Or will company reconsider it ?

[@soumyadipghosh5135]

Can we port our group health insurance policy to normal health policy?

[@s....982]

Never....

[@ravikant-hi8mz]

Hi ma'am. I have tried getting an insurance from 3 major providers, however it has been rejected on the account of my spleen surgery i.e. splenectomy. I want to understand, if there is an option at all for me for a health insurance. The spleen surgery happened 10 years back, i am perfectly fit and fine after that, and I have been doing regular health check-ups. I wasn't even aware of the repercussions when the surgery happened. So is it like I will have to bear the outcome of seeing that I wasn't even responsible for? So is it like I cannot get any health insurance now?

[@s....982]

Yes de definitely you will get policy...before purchase just write one note ...i am fit and fine and I will never take any claim related to this surgery....

[@AVIKCHAKROBORTY2008]

For me also ,same situation happened . I think , as of now , to get the policy, you have to declare that you are fit and fine .

[@devalsabharwal6885]

Hi, Gurleen. Thank you for the info. I have a question, suppose at time of taking policy, I am perfectly fine, but before the time of renewal I get diagnosed with some health condition like BP, sugar,Cholesterol etc. Is it mandatory to declare that at time of renewal??

[@GurleenKaurTikku]

No, you are not obligated to inform the insurance company if you are not making any changes in the existing plan and renewing as it is

[@tarunkalra3924]

But isme abhi bhi you haven't answered jo starting mai aapne as type 2 person show kia tha. Agar insurance company ko mai nhi inform krta about PED thinking jab claim aayga to bol dunga abhi detect hua h. To company kaise identify kregi ki ye PED thi ya kab se thi ya use nhi pta chal payega and as new disease treat ho?

[@GurleenKaurTikku]

Tarun jee, it is not advisable to do so. The whole purpose of buying health insurance will be defeated.The insurance company has an investigation team which looks into non diclosure.

[@sweetysharma8378]

Hello mam , I recently was taking a health insurance policy niva bupa senior first for my parents but the agent denied to mention their actual weight stating that they are over weight and we cannot mention the same in it. What should i do

[@GurleenKaurTikku]

Hi, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you in buying the plan 😊 Thank you

[@kumarflicks]

Health insurance policy proposal form mein history batake bhi issues hotein hein. I spoke to underwriters that i do not have medical record of 10 year old case which wss minor. Still they want record.

[@GurleenKaurTikku]

If it is a significant medical history , they may ask for records else they can proceed with your self declaration

[@rhiksarkar4694]

Madam .....Disclosed Hypothyroidism but not disclosed bipolar disorder from 2009 continued medicine still for both..Star Young star policy opted ..one year not crossed. next premium will be in the month of May '23...Please suggest... Is it right to disclose at the time of renewal where doctor said the disorder is on its remission ......Thanking you for your informative helpful videos.....

[@GurleenKaurTikku]

Yes, should be disclosed

[@jayeshrana8368]

Port time kya information dena he ....15 yrs purana policy he.....

[@sonymathew3697]

If after taking policy 3 year later if disease is diagnosed then what to do?

[@harishdhotre594]

Then your disease will be covered. ICICI Lombard has only 2 years waiting period for your PED.

[@sonymathew3697]

@@harishdhotre594 but should i inform the policy people.

[@GurleenKaurTikku]

As mentioned in the video too, inform the insurance company & the final decision regarding the premiums will be in hand of the underwriting team. Or you can just port your policy to a company where the specific disease is covered. Thank you

[@vikaschaurasiya5856]

Maam agr insurance ki glti se update nhi hua us case mein kya?😊

[@aaronnadakatin]

Madam, video is good

[@GurleenKaurTikku]

Thanks a lot. Keep watching !

[@shyamdeshmukh5316]

Behatareen

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@poddarkanchan]

Madam 9th June 2024 I have taken Star comprehensive policy. I tell them Everything. Like Vaccine Documentation, Prescription, Blood Urine report etc. But I found in the policy copy they wrote as PED Diabetic Hypertention and their complications. They missed my Thyroid problems and surgery problems such as Appendix which was 1997 and Gall bladder operation in 2007. Still I write them about their missing three things. They said they will corrected it within 3/4 days. There Backend team is looking with it. Is it correct?

[@GurleenKaurTikku]

Yes, they will get back with corrections. You can follow up and get it done.

[@namangarg7875]

Mam mene star health comprehensive le rakha h mother k liye 2 yrs phle... Ped bta th diya tha... Lekin i forget to tell the insurer about the road accident around 25 yrs ago. Is it necessary??

[@GurleenKaurTikku]

Jee, It is always good to disclose the information to the best of your knowledge. You can email them for the same now

[@parveenbhardwaj3664]

Madam ji, 6 years back husband wife ne health policy liya thaa,, letter diya thaa k due to car accident dono k small plate pada hua thaa,, after 4 years policy pr dhyan gya to dekha k wife ki plate PED mai mentioned nhi policy mai,, BRANCH office hamari application ढूंढ नहीं पाया, फिर मना कर दिया कि पुराना रिकॉर्ड मिल नहीं रहा, 2016 मैं पॉलिसी लिया था लेकिन अब क्या करें ?

[@s....982]

Khuch v mat kro...office se form lo inclusion of my ped ....wha detail me likh krr form submit krr do

[@parveenbhardwaj3664]

@@s....982 thanks 🙏 Regards... Madam ji, abhi likh k denge to aage 4 year ka waiting aur Lagega ji. ?

[@vikeshkumarrathwa3438]

My surgery done after policy purchased and I informed to company on renewal but they denied after renewal. what to do.?

[@santunubhaduri5353]

I forgot to mention PED about my spouse....I had some reports and USG data..I went through policybazaar ..they helped me to add the PED in policy....

[@GurleenKaurTikku]

Good ! Mentioning PEDs is always the best option ✅

[@santunubhaduri5353]

@@GurleenKaurTikku thanks maam...learnt that from your videos🙏

[@pritamdebnath703]

Mam, I have already taken a Health insurance, and I have told them One Medical condition. But even I don't know I have more than one Medical condition present in my body or not. In the policy, they have given Medical Check-up, and I am thinking to check-up my body and at the time of renew, I take another fresh policy with all medical conditions. Is this righ decision madam ?? And which medical test should be done ?? Because it is not possible to test everything from head to toe. So which tests should be done so that my claim won't be rejected in future ?

[@s....982]

It's a funny question from your side ....i think you have been watching lots of youtube videos related to health insurance that why this coming in your mind ....if no problem happening with your body then nothing have to do anything....never go for fresh...

[@nileshbhagat3801]

Madam mene Star health insurance se new policy li he Unke pdf me mere daughter ki birth month wrong hai to me kaha complete karu

[@GurleenKaurTikku]

Connect with the star health team

[@rajnish1432]

Madam, if any disease is detected during policy tenure and should we have to declare that deceased during renewal of Policy? Or is it ok not to declare during renewal . If we have to declare it, how to declare it during renewal as on renewal we have to pay premium only.?

[@AR-82]

Plz update.

[@dipankarbiswas1978]

Nice Information.. **But what about the insurance policies companies representatives who fail to guide us about BMI** **This BMI is an important criteria, which was told me the Insurance company after making the Premium amount**

[@pleasant66]

Please cann you explain what is the BMI

[@personalviews6950]

My father has been diagnosed with Cataract. Is that considering a pre existing disease? If yes, what can i do to get it under health insurance since most policies have 4 year wait period.

[@GurleenKaurTikku]

Yes, it will be a pre existing disease and will be covered after waiting period

[@rajeevsinghbaghel9674]

I have disclosed everything regarding our medical history but nivabupa is not ready to give any policy due to diabetic issues in that condition. What options do we have??

[@GurleenKaurTikku]

Rajeev jee, there are a few options available. Please connect with us on WhatsApp/Call at 9650706699. Our team will be happy to assist you. Thank you

[@AR-82]

They offer if u have hba1c below 7.5.

[@aakashgarg9363]

Mam pls make a separate detail video on Moratorium period

[@GurleenKaurTikku]

Sure, Thank you for the video suggestion. We will try to bring up a video soon, keep watching !

[@sanjayjain1162]

Ma’am me and my wife are covered in a floater policy since 4 years abd my wife was diagnosed with diabetes 2 years ago in her pregnancy. Now we want to port our policy to another insurer. Will it be possible to do so…

[@GurleenKaurTikku]

Better, not to port

[@s....982]

Galti se v port kiya ...then claim v nhi milega and job policy hai wo v cancel krr dega ...

[@nishantsinghania_27]

Mam maine care ka health insurance liya hai supreme..par mujhe lag rha hai may be ek do points maine galat fill kardiya hai ya proper nai bhara hai... payment kar diya hai..kya edit ho skata hai form fir se

[@GurleenKaurTikku]

you can inform the insurance company or connect with your insurance agent.

[@rijwanpatel1119]

Mam port करवाने के बाद morotorium period carry forward hoga ya नही?

[@GurleenKaurTikku]

Nahin hoga

[@pappu310]

mam my wife is c section patient can i buy health insurance frese policy or any co pay is application

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you 😊

[@4x4affairs]

How companies search for medical history at the time of claim settlement. ?? prescription pads?

[@GurleenKaurTikku]

They most have an in-house TPA & lot of experienced doctors in their company . But why should we even take a risk. As an insurance agent, with 18 years of experience we always suggest our clients to never hide their medical history whatsoever.

[@4x4affairs]

@@GurleenKaurTikku you're definitely doing a great job and yes it's always better to provide genuine information to the insurance companies. But I think you should also let your subscriber know the loops holes to understand the scrutiny types. Because some claims do get rejected unnecessarily by the companies and policy holders have no idea how to react or manage the situation. Just by answering YES or NO to their questions are not sufficient. They can manipulate the narrative of the question language at the time of claim and behave like you misunderstood the question and provided us with false details. That's why my question arises that what are the factors or metrics being used to ascertain the medical history of the holder be it critical condition or pre-existing conditions. For eg I'm 33 I have maintained health insurance from last 3 years. No claims till now and also no medical assessment during renewals done by the company. Now how we know my condition. Can you let us know the scrutiny and grounds of medical history verification.

[@arjitsingh6083]

If more then 8 years policy is ported, in that case also if you declare bp and diabetes, problems related to bp and diabetes which are not in your knowledge at the time of porting policy, can co say that these problems are pre existing? In other words, For example if any problem related to above pre existing problems like heart or kidney or any organ problems are found later, can they terminate policy saying you didn't disclose it? Because most problems are related to bp and diabities only and possibly can give excuse to co.Isnt it?.🥺

[@yshah84]

Moratorium period is not carried forward so better not to port policy

[@MithileshRajput_]

मैडम मैं care supreme health policy लेना चाहता हूं।wife को uterus का tuberculosis डायग्नोस हुआ है।उसका ट्रीटमेंट चल रहा है।अब मैं health insuramce लेना चाहता हूं।तो क्या मुझे insurer को इसकी जानकारी देनी चाहिए या नहीं????

[@GurleenKaurTikku]

Yes, Deni chahiye

[@wichandsharwale3312]

nice madam,,,always clear explanation

[@GurleenKaurTikku]

Thank you so much 😊

[@dreamwinner4253]

Ma'am, can you suggest me the insurance policies which covers PED.

[@GurleenKaurTikku]

There are many companies that offer PED But with waiting periods. If you want to buy one, connect with us on WhatsApp/Call at 9650706699. Thank you 😊

[@tulasitalks8589]

Mam we can lie 5-10 kg weight because they are asking more premium

[@GurleenKaurTikku]

We can only say to not hide any material fact if you don't want any claim denial in the future.

[@boycotthypocrisy]

मैडम, मेरे पास HDFC ERGO की पॉलिसी ICICI LOMBARD में उसे अभी 1 दिन पहले ही पोर्ट करवाई है, मैं पथरी का एक ऑप्रेशन करवा चुका हैं, ये बात मैंने पोर्ट करने वाले से बताई तो बोला कोई बात नहीं हैं, ज़ब आपके पास जब फ़ोन आये मेडिकल कंडीशन पूछे तो ऑपरेशन की बात मत बताना... प्लीज मेरी मदद करें.. धन्यवाद

[@GurleenKaurTikku]

Apko port ke time saari information dena zaroori hai

[@Amansharma-xo2cg]

mujhe to dr na hi bola ha mat batana

[@GurleenKaurTikku]

No, it's important to disclose otherwise your claims may get rejected in the future.

[@Amansharma-xo2cg]

@@GurleenKaurTikku mam mene apply kia ha father ke lia and care freedom mila ha exclusions ke sath baki or koi Nai mil rai jitni co. Ha sabme apply kr ke dekh kia par care freedom mila ha unne kaha jo phle se ha wo exclude kar rhe permanently , and 20% copay ha to kya lena chiye , dr se pucha to unhone kaha bataya hi kyo batana ni tha , then ab me confuse hu kyonki exclude ha permanently , ki kya karu mere pass ayushman card bhi ha par usme bohot si chize excluded ha then mujhe care freedom ke sath jana chaiye ya nai ????😢😢😢😢please reply mam apka kya kahna ha

[@ASub1982]

😂🎉

[@user-tq2vo9sy1s]

Hi, mam, I want to know about companion benefits in Hospital in health insurance. Is it possible to pay additional premium

[@Rahulwaghumbare]

स्टार हेल्थ इन्शुरन्स कभी मत लेना, स्टार हेल्थकी प्रिसेल सर्विस अच्छी है, दावे बडे बडे करती है, लेकिन क्लेम सेटल नही करती