Medical History & Pre-Existing Diseases in Health Insurance | NEVER HIDE 🙏 | Gurleen Kaur Tikku

Failure to disclose material facts while buying health insurance can have severe repercussions in times of need and thus is never a wise thing to do.
A person applying for an insurance cover has to disclose and reveal all material information required by the insurance company.
In this video , we have discussed What are material facts that needs to be disclosed , why people hide medical history & what happens when someone hides medical history & how it would effect at the time of claims.
WATCH THE VIDEO FOR MORE DETAILS :-
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✅ Why HEALTH FUND is Important ? : • Why HEALTH FUND is Imp...
✅ How to Fill Insurance PROPOSAL FORM ? : • How to Fill Insurance ...
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✅ TIME STAMPS
0:00 Introduction
0:51 Disclosure of Material Facts
3:19 Impact of Non-Disclosure
4:22 Reasons for Non-Disclosure
6:52 Intentional Frauds
7:31 Importance of Health Fund
7:54 Confusion for Policyholders
8:50 Mis-selling of Insurance
9:44 Conclusion
12:12 Bloopers
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health insurance 2023 , best health insurance india , health insurance medical history , never hide medical history , medical history disclosure , pre existing diseases in health insurance , health insurance hindi , insurance agent , best health insurance , health insurance most asked questions , health insurance comparison , health insurance premiums , health insurance disclosures , health insurance claims , health insurance claim rejected , health insurance claim approved , gurleen kaur tikku , financial advisor , 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 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.

[@rahulkarmakar20]

Very good description regarding the subject matter.

[@GurleenKaurTikku]

Thanks a lot , keep watching 😊

[@ash202r]

It's a very informative and important video. I think everyone should watch it twice, before buying any health insurance plan. Thanks a lot.

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@Arun-singh0911]

In 2020 I was diagnosed cancer and mera treatment 19 jan 2021 mein complete ho chuka hai abhi mein bilkul thik hoon aur follow up mein bhi mein thik hoon aur dr ne bhi mujhe ek letter diya hai cancer free ka ,kya mujhe health insurance milega .

[@yashvikramsingh2321]

Mam can insurance company reject claim on basis of hiding medical history if pre medical health check up was done by insurance company itself before issuance of policy?

[@jagdishjoshi9236]

Good information.....👍

[@GurleenKaurTikku]

Thanks a lot , keep watching 😊

[@248deepakvishwakarma2]

does Sciatica and urinery retention comes under pre existing desease?

[@amitbisht99]

Mam kya ulcerative colitis ke liye koi health policy hai

[@jayghosh4715]

Main Navi mein sob se Kom price main hain Navi wala sahi Hain Kaya

[@darshanlal3764]

Good information mam

[@GurleenKaurTikku]

Thanks a lot , keep watching 😊

[@hanumanthusrinivasrao3333]

I appreciate your knowledge sharing, but during the period of policy taking, there has not been any diagnosis of pre existing diseases or hospitalizations, but there may be slow growing illnesses, hypertension, blood pressure, etc. As when we applied for the policy, we didn't get a health checkup before we were issued, so we didn't know how our health was at that time, but after two years some of them were discovered through annual health checks, so will the policy be rejected?

[@hemantsharma4896]

Mam policy bazar se policy le sakte hain kya.claim ke time problem toh nahi aayegi.kuinki mai monthly premium pay karna chata hoin.

[@GurleenKaurTikku]

We can't comment on any such online intermediary.

[@sandipghosal5529]

46 year old man just diagnosed liver cirrhosis. I have no health insurance. Plz suggest me to buy a health insurance plan which will cover completely liver transplant like complication in future if needed be.

[@vp0059]

Nice Vedio 👌 Mam muze health issue hai Angioplasty ho gayi hai to ab Mai new health insurance le sakta hu ? Pls guide me

[@GurleenKaurTikku]

Thank you jee, keep watching ! Answering your query , Few policies are available. Subject to term & conditions.

[@Abhishekkumar-tz1lo]

Thanks for useful info❤ Today i buy policy from niva bupa- reassure 2.0 ,there agent over call skip some info ,i think its new policy i am going to update info at company regarding some illness in past... thabks mam🤝🙏

[@GurleenKaurTikku]

Thank you jee, keep watching for more such informative content !

[@Abhishekkumar-tz1lo]

@@GurleenKaurTikku tries modification but sales team of niva bupa tries me not to do so as it leads to policy cancellation but finally requested free cancellation and try with all past records and all correct entity...

[@hanumanthusrinivasrao3333]

Please make a video on what is Abaha card

[@surajdhakne607]

6 sal phale ACL surgery hui thi wo bhi batana padega kay

[@jayeshrana8368]

15 yrs pehele cancer ka treatment kiya tha .....till dt good health....kya hame health policy milega.....Pl advice

[@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 ?

[@rajeshsaxena1577]

I have face kidney stone 5mm which was cure by medicine in 2017 .now i have to disclose in my policy in niva bupa 2.0 and company increase my premium 1814 rs .what should i do now

[@akankshapandey3861]

Mam arthritis ka health insurance hai kya

[@arunmohanty123]

Also madam where exclusion is mentioned on what type of medical devices will be covered or not including latest treatment For example will they cover titaniim implants instead of normal steel implants

[@BIKKI_SARDAR]

Ma'am , medical history batane ke baad bhi policy reject kiya jara hai hdfc ergo se Past history batane ke baad bhi jaha meri sister feb ko due to entric fever admit hui thi aj hdfc ne widal test report mangwaya now widal test individual report accuracy nahi bata ta ki typhoid hai ya nahi supporting CBC ya IGG or IGM report ensure karta hai ki infection agar widal test me aa bhi raha hai toh wo recovery antibodies hai ya recent infection. Undertaking team ne straight away reject kar diya on the basis of widal report jab ki meri sister fit and fine hai family doct ne IGG & IGM test se ye confirm bhi kiya ki test negative hai jiska matlab recent koi infection nahi hai usse...along with widal test. And meri sister normal hai achi khasi health hai college jari hai ari hai aisa koi ek bhi symptoms nahi jo worry karne ki zarurat ho. Ye kaisa undertaking team ka kaam hai ki ek inaccurate test ke basis pe reject kar rahe hai. Since widal test me jo bhi antibodies ata hai wo life long tak reh sakta hai toh every time apply karne pe wahi reason se reject karenge toh kya fayda hai past history batane ka... Ye koi long growing illness hai nahi. Can you help me with this??

[@user-gv4pt9tv7y]

Hi, i have small doubt. Do health insurance companies have access to all hospitals records of all the insured members? Are hospitals obligated to share the details with them?

[@AR-82]

Did u find the answer ?

[@rajatsethi3041]

If we have ped but after taking policy then we go to a fresh doctor and get diagnosed for that already ped and present it as a newly recognised disease to the insurance company then claim won’t be rejected right ?

[@rudrachatterjee2614]

Say you have PED and taking medications for 5 years for eg diabetes. You decide to take a policy and not disclose. Then you goto a fresh doctor and he puts it as newly diagnosed disease. All is well until here. 5 years later you are hospitalised. Doctor asks if you have diabetes and take medication. You say you do. Doctor asks for how long you are taking it/suffering from Diabetes. Now its all on you. Will you say 5 years (based on fresh diagnosis) or 10 years (based on original diagnosis)? Before you say 5 years let me tell you that when you are a diabetic or suffering from any chronic illness all further treatments for any other diseases happen keeping the chronic illness in mind as well as the duration of the illness. Line of treatment for a diabetic of 5 years can be very different for a diabetic of 10 years. And the outcome can be different as well. If in front of the doctor you say 10 years claim will be rejected for sure. But if you say 5 years you are risking how the doctor will treat you. So are you willing to risk your life/treatment by being dishonest or being honest and disclosing all PEDs correctly. Choice is yours.

[@rajatsethi3041]

@@rudrachatterjee2614 thanks for the beautiful explanation bro!

[@AR-82]

​@@rudrachatterjee2614doctor doesn't treat the patient as per the patient's wordings. He treats them as per the test reports. There are lots of patients who must be diabetic for years but don't get to know, if they get to know after 2-3 years or even more, they will be considered as newly diagnosed only so that won't mean that doctor will ignore their previous damage, if any. Secondly even if u have long term diabetes you can reverse it with good diet and exercise and make your body less vulnerable to sickness. So doctors rely on your test reports and not on your mouth say, u can even tell them that u might be having the diabetes for long but u weren't sure and now u got it detected. There are several ways to deal.

[@rudrachatterjee2614]

@@AR-82 the topic was if you can bypass the disclosures while buying a health insurance. For the insurers, your word of mouth matters when processing a claim, because Doctor in his prescription writes down whatever the patient says under medical history. Even if diabetes is in remission insurance companies specifically ask in the proposal form 'Have you ever SUFFERED/SUFFERING from diabetes/prediabetes?'. So in my opinion its important to disclose everything so that at the time of claim there is no hassle.

[@pankaj9647]

Health history since birth se dena hota h kya??

[@GurleenKaurTikku]

yes

[@AdityaKumar-ny4sy]

Ma'am maine apke team se contact kiya tha meri mother k liye mujhe plan lena but unko back pain ki problem hai or slip disk iske liye mujhe to guide kijiye ma'am please Koi care freedom, star compressive, Niva bhupa, i am very confused 😢

[@sidharthr5532]

I have a genuine query, ma'am. What would happen if, while purchasing health insurance, I didn't know about a health condition like diabetes or thyroid, but after 3-4 months, during a blood test, I found out that I have one of these? What could be done in such cases, or what would happen in such cases?

[@anshul5431]

Nothing will happen as it was diagonised after policy issuing date. The health insurance is a contract between the insurer and insured of any health condition prior to the policy issuing date.Keep your test reports and doctor's consultation paper safely as it would help you to substantiate the same in future if the need arises.

[@sidharthr5532]

@@anshul5431 Thank you!

[@GurleenKaurTikku]

Nothing needs to be done here, ut will not be counted as PED. It is always recommended to have a medical file wherein you keep all your medical tests reports / doctor consultations and it should be kept along with your health insurance policy so that at the time of claims there is no hassle. If in future, any claim arises, they will ask for first consultation paper for Bp or Diabetes or thyroid, you can share the document.

[@munishgupta7617]

Hello Mam You said about in material fact about rejection of policy by acompany, if someone tried for porting and his proposal is not accepted or counter offer is rejected by insured, Should it be mention with other insurance company Only proposal is rejected not policy PLEASE let me know

[@GurleenKaurTikku]

It should be mentioned.

[@arunmohanty123]

Mam after 4 years of starhealth recently i was diagnosed with diabetes. If i imform the company then will my claim will ne rejected?? I haven't taken any claim for 6 years

[@GurleenKaurTikku]

No, if it was not a pre existing disease, you do not need to inform insurance company

[@AR-82]

​@@GurleenKaurTikkuwhy shouldn't he inform the insurer about his disease now ?

[@sumeetchandok7910]

How do we update PED on policy RENEWAL?

[@GurleenKaurTikku]

You can intimate on the email

[@alankarmuley850]

मैंने निवा बूपा के लिए अप्लाई किया था,लेकिन मुझे tardive dykansiasis पहले से होने के कारण पॉलिसी रिजेक्ट हो गई,मेरी बीमारी जल्द ठीक हो जाएगी ।मुझे क्या करना चाहिए? मुझे पॉलिसी कैसे मिलेगी?

[@NehaJain_]

What should people do who are not given policy ( policy rejected due to presence of some PED) due to some pre existing disease? No insurance company will give their policy, what should be next step of action?

[@GurleenKaurTikku]

Then , you should try & build a Health Fund. Please check this video : kzbin.info/www/bejne/h4W9aZlmqbt9oacsi=khOjc4vp8fbGH4lD

[@harshpatel220]

Brain operation ke baad policy mil skti hai manipalcigna?

[@GurleenKaurTikku]

not sure, please connect with the Manipal cigna team as there are many plans offered by them. Please do your due diligence before buying any plan.

[@suzalbhalotia3777]

Mam 20 year old cured disease is pre existing disease

[@Rsm8401]

Is it okay to buy insurance from official website of insurance company??

[@GurleenKaurTikku]

yes, you can but please do your due diligence before buying the policy.

[@waseem357]

Respected mam plz guide me 🙏 I have a CARE HELATH INSURANCE PLAN of Rs 5 Lakhs of plan name CARE, on 15 Dec 2023 it will complete 5 years without any claim @ now Renew option get activated, but now 2 options are showing 1- to renew the current plan and 2- to migrate to Care ADVANTAGE plan of Rs 25 lakhs with 1.5 thousand additional premium only Plz guide me it would be advantageous for me to migrate from current policy???

[@GurleenKaurTikku]

Pls check for migration guidelines with Care health team

[@georgebastian3345]

Ma'am I took 3 years back health insurance .now I have developed anxiety i have taking treatment ,now I have to inform insurance company

[@GurleenKaurTikku]

No, if it was not a pre existing disease, you do not need to inform insurance company

[@georgebastian3345]

@@GurleenKaurTikku thank you ma'am

[@BastabSaikia-hn2ml]

​@@GurleenKaurTikkumam insorance lia tha 1 saal pehle 7 lakh ka 3 years ka waiting period dia tha. Insorance lene k 9 mahine bad kidney ki bimari detect hua hai which is a type of slow growing dease.. Kya me 3 saal hone k bad insorance claim karke paisa le sakta hu please batae mam.. Apka bara abhar hoga 🙏🙏

[@anshul5431]

Ma'am but IRDAI defined the term PED for insurance companies in its circular in 2020. It covers any existing disease, condition, ailment, illness, surgery, etc within 48 months prior to policy issuing date. All the insurance companies has to adhere to this or discontinue their policy if failed to do so. So, Why do we need to disclose any condition which is present earlier than that. Please clarify.

[@arunsharma3752]

Good question

[@autofill5073]

My answer will be long but please read it to get clarification: So , when you buy a policy the premium that you will pay depends upon several factors one of them is pre existing diseases (PED) , if you don’t disclose your PED to the insurance company the company thinks you are healthy and issues the policy at lower premiums But if you disclose you have some PED then company charges you a slightly higher premium but promise to cover the expense of your PED post waiting period For example: You have thyroid/ had thyroid before now while getting the policy you didn’t disclose this PED to the insurance company and company though you are healthy so they charged you less premium later after some years your thyroid condition got worse and you had to do surgery for it So as per policy you deserve to get claim but since to save premium you didn’t disclose this condition to the company before this will be considered as cheating and the company will deny your claim plus cancel your policy aswell I hope I answered your question 😊

[@arunsharma3752]

@@autofill5073 very nice brother But I think you don't read irdai guidelines..as per IRDAI 2020 guidelines..PED means last 48 months diseases diagnosed..

[@anshul5431]

I know what is PED and how it works. I am confused about its duration. Why should we declare a medical condition which was diagonised 20 years before taking any policy as IRDAI just asks for 48 months or 4 yrs prior to taking any policy?

[@anshul5431]

@@arunsharma3752 That is what I need clarifications for.

[@jaiprakash-hp3xw]

Mam why always a customer is fraud not a single agent in this entire universe

[@GurleenKaurTikku]

we have never said that. There is a lot of Mis-selling by agents AS WELL. We always recommend our viewers & customers to do their due diligence before buying any policy.

[@harshpatel220]

Please answer me

[@abhishekdas4670]

Please answer this I am 28 now and don't have diabetes or hypertension and buy the policy let's say at 40 i am diagnosed with diabetes and got admitted to the hospital so will they pass claim or reject?

[@GurleenKaurTikku]

yes, it will be passed as the disease was not pre existing at the time of buying the policy

[@aksawlani261]

इंश्योरेंस बीमा एलआईसी पॉलिसी एवं हॉस्पिटल इतने जटिल होते हैं कि इन्हें आम आदमी के द्वारा भरना बड़ा मुश्किल है और यह नियम वर्षों से चला रहा है कि इस कंपनी के एजेंट एवं कर्मचारी ही भरते हैं और सिर्फ हस्ताक्षर आवेदक को कहते हैं ऐसे में आवेदक के पास सिर्फ इतना ही ऑप्शन होता है क्या वह अपने मुंह से कंपनी एजेंट को अपनी सारी डिटेल देता है अगर किसी कारण से कंपनी का कोई एजेंट कर्मचारी अगर कोई डिटेल उसमें नहीं भरता है कोई प्रपोजल फॉर्म को के किसी कलम को खाली छोड़ देता है तो ऐसी स्थिति में क्या किया जाए