Medical History & Pre-Existing Diseases in Health Insurance | PLEASE DISCLOSE 🙏 | Gurleen Kaur Tikku

Your Health insurance Premiums are decided based on your medical history including pre-existing diseases.
Hence, it is important that you provide every detail related to your medical history in the proposal form as accurately as possible.
In this video , we have discussed what is a pre existing disease & why is it important to disclose your medical history before buying Health Insurance.
We have also discussed the after effects of hiding the medical facts & how your health insurance claim can be REJECTED.
WATCH THE VIDEO FOR MORE DETAILS :)
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✅Health Insurance Exclusions : • Health Insurance Exclu...
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health insurance , health insurance in india , medical history in health insurance , pre existing disease , health insurance for bp , health insurance for diabetes , disclose medical history , health insurance 2022 , health insurance agent , pre existing disease in health insurance , financial advisor , personal finance , health insurance exclusions , health insurance FAQ , financial planning , health insurance hindi , gurleen kaur tikku , insurance agent , hareepatti
#preexistingdiseases #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 15 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.

[@tusharraikar7115]

Hello Gurleenji !! I have two queries with regards to Nivabupa Reassure. 1) Incase we have forgotten to mention a particular PED at the time of policy purchase, Can we disclose the PED at the time of 1st renewal ? If yes, Will the company provide a revised proposal form mentioning the newly disclosed PED in the new policy Kit ? 2) Will the 3 years waiting period apply from the date of purchase or date of renewal for the newly disclosed PED ?

[@GurleenKaurTikku]

Hello Tushar jee, I remember that we spoke last year in July. Answering your questions below: 1. You can inform the company, however the final decision rests with insurance company , whether you can continue your policy as it is or they levy exclusions / loading or they terminate the policy. They will not provide any revised proposal form. That is why it is extremely important to be very careful at the time of buying the policy about PEDs. 2. It can be levied from the date of disclosure

[@tusharraikar7115]

@@GurleenKaurTikku : Thanks for your response Gurleenji !!!

[@deepakdang8379]

​@@GurleenKaurTikku Namaste ji, Mam mujhe bp hai doctor ne 2 test karane ko bole hai 13000 ke dono honge, goli le Raha hu, kya birla platinum enhanced policy le sakta hu, usme day 1 se bp cover hota hai, ya apne aap test Kara lu, pehle mere pass hdfc ergo thi, usme ab 25% har claim par copay lagne laga toh maine renew nahi karayi, ya policy karakar 1 mahine baad naya OPD card banwakar naye sire se ilaaz birla policy ko batakar shuru kar sakta hu.

[@deepakdang8379]

​@@GurleenKaurTikku mam maternity cover na chahiye ho , pregnant lady ka health insurance karwa sakte hai ?

[@nikhiliciouss]

Hi Mam, my mother is 61 now & having rumo arthritis....and I want to buy a health insurance for her. its just a pre stage of arthritis, she is doing well as of now. But as per insurace agent company will not issue policy because of her problem...please advise

[@rohitsaxena3778]

Thanks for hopeful knowledge medical conditions of PED

[@piyushdumkabusiness]

Very useful video really mam aap ne simple language m समझा दिया पॉलिसी कराने से पहले सब साफ बता देना चाहिए नहीं तो policy लेने का कोई फायेदा नहीं

[@GurleenKaurTikku]

Ji, bilkul. Keep Watching & do subscribe !

[@rohitsaxena3778]

Mam main Reliance General Health insurance buy kiya hai 23/12/2022 ko, kya mai renewal time per isme member add kera sakta hoon or proposer change kera sakte hai renewal time per

[@avikghosh7231]

Very thankful to listen your words..

[@GurleenKaurTikku]

Thank you, keep watching !

[@vaibhavsharma6548]

Ma'am, 1 of the insurer has declined my parent's insurance proposal this weem due to an existing skin disease whoe treatment is going on. Although this disease is out patient, should I declare it while exploring further insurers?

[@user-hh6fh4hz6d]

Hello do i have to tell my health condition and new deseases like skin deceases every year to insurance policy?

[@nairnikhil92]

I have mentioned in the proposal form about the ped and attached all medical history, but when I got the policy it was written no PED but when I got televerification and called the customer care they told that they received the medical history documents, I have purchased from Agent, star assure, what to do now to get it added in the policy itself.

[@haanrey]

thank you for the awareness

[@GurleenKaurTikku]

Thank you so much !

[@taranaeducaresolution2991]

Madam Mera Reheumatoid Artharaities hai pichcle 10years se.mrea policy ho sakta hai

[@rushidesai6033]

Which policy is cover chronic pancreatitis?

[@Rishabhsingh-kn8wu]

Dear mam as u said company can reject your claims even if PED not related to your claims. lets say if i have ABCD any one of these condition and i didnt disclose at the time of buying the policy and i got an accident and got hospitalised nd disclose to the dr. i have BP from last 1or2 yrs so in this case my claim will be sattle or reject?? This is breach of utmost good faith.

[@kunaljain7785]

Hi Mam! I have taken star top up policy we’re I have disclosed all the pre existing disease of my parents. They asked for some doctors consultation papers & documents & issued me the policy , now the policy papers say This insurance policy is subject to various exclusion including exclusion for pre-existing diseases & conditions in this policy. They have not mentioned any word like permanent exclusion, so thought you are the best person to let me know what it means. Thanks.

[@siddharthkulkarni9699]

Hi madam I am Siddharth Kulkarni following you for past 6 months I want to ask you my mother suffering for CKD CURRENT ON DIALYSIS WITH PED THYROID HYPERTENSION So my question is that i want buy policy but no insurance agent attended because I am disclose the PED I have a insurance policy of start health but I do not disclose the PED that's why insurance policy cancel the policy So point is that any company accepts my patience WANT A REPLY FOR YOU MADAM PLEASE 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏

[@harshkabra]

Very informative and important video

[@GurleenKaurTikku]

Thank you !!

[@varshapatil2800]

Madam .... policy lene kebad waiting period...2yr complete hota hea to ...BP., diabetic. . Ditect hotoa to company Clem pass karti hea Kay..?

[@user-ll4pn5pk4l]

Is congenital heart disease covered in health insurance?

[@hanumanthusrinivasrao3333]

For example, I have taken a policy today and have not been hospitalized for 5 days or even 1 day since birth. Now I can confidently relay this in tele underwriting. Comming to BP, Diabaties, etc. have not yet been tested, so we are not aware of any deviations from this. We confirm in teleunderwriting that these issues do not exist. As we have not tested them earlier and we have not felt any symptoms of it before taking insurance, what will happen in the future if there is a claim related to it and it turns out it happened before the policy. Please reply

[@manishmayank8024]

Hi Gurleen, I am 32 years old and I donated my left kidney to my mother 10 years ago (2014). Am I eligible for any health insurance? If yes, what insurance company I can try?

[@princekanhya1552]

You have given an example that a patient who has BP problem, he is on medication, and in policy, he told the same to the company, and if his stone case comes then company will reject his claim, why? Can you please explain it. Thank you

[@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 expenses. Will i get claim from star ?

[@nitinjain1605]

In policy if PED as defined ask history of last 48 months duration than is it still necessary to inform insurance Co. abt any condition/disease/hospital admit situation prior 48 months ? ....does Medical history is limited to 48 months or it includes from birth till present ?

[@s....982]

Ye wali defination prr mat jao ….if 15 saal phle v hui hai company ko btao….mujhe 10 saal phle finger me fracture hui thi usko v Maine company ko btaya he….claim ke wakt company notch krr nikwa legi ….so avi hi bta do

[@anjanbiswas3158]

thank you

[@GurleenKaurTikku]

Keep Watching !

[@pramod.n3835]

I am taking medicines for epilepsy for the last 32 years. I have undergone appendesectomy 21 years back.during the last 5 years I have suffered from hyponatraemia 3 times.and in 2016 Iwas admitted to hospital due to muscle injury and my SGOT SGPT levels reached 1200.So I had to spend one week in hospital.Should i disclose all these while taking health policy.I have no lifestyle ailments as of now.

[@GurleenKaurTikku]

Yes, these are major issues and should be disclosed

[@vishalbhadra8772]

blockegae aya heart me insurance plicy ko liye hus 9 month hua tab esa ku6 nai tha to ye pwd me ata he ki nai kyoki pan abhi hua to angeography kiya usme blockge aya lekin pele kabhi pain nai tha

[@GurleenKaurTikku]

No, it will not be counted as PED agar diagnosis policy lene ke baad hua

[@OnlinePizzaria]

Hello Mam, I was diagnosed with "Asthma" just 1 month back, What If I do not disclose it in the proposal form and inform it letter? Although they will take the "Medical test", will they reject the claim if occurred?

[@GurleenKaurTikku]

We will suggest you to Disclose all the medical information beforehand only to avoid any claim rejection.

[@knowledgesahanichannelchan4315]

Mam Manipal Cigna ka video banaiye claim r process

[@GurleenKaurTikku]

Sure, will make a video soon. Thanks

[@yousufpasha8184]

Mam Kya super Top Up me bhi 8 years moratorium applicable hota hai ya sir basic health insurance me hi, please reply & make one video on this topic it's very useful

[@GurleenKaurTikku]

Yes, applicable for super top up too

[@gantavyamehta9445]

Mam thanks nicely understand. I just claim cashless for my father angiography and we all ready mentioned Dieabetes in policy. And waiting period is not finished And dr. Written on letter this is may or may not because of Dieabetes And that case Insurnce company rejected my cashless with that reson So what should i do ?

[@GurleenKaurTikku]

Sir, nothing can be done as there is waiting period on the same

[@peachincoroporation9816]

Hello mam I am 38 yrs old born in 1984 i want to buy health insurance policy till date i don't have any medical condition nor taking any medicines now after watching your videos i plan to buy one for the unforseen circumstances but my question is that if lets say after taking policy i am dignose with any critical illness than company will pay my claim or not As i am not aware that any illness is there or not Now if i have illness that i am not aware of and after taking policy i am dignose with that so what are the chances company will give my claim or reject it. One more thing lets say for 5 yrs i am paying my premium and after 5 yrs i am dignose with any critical illness than it is possible company can reject my claim by giving any reason. Pls reply thanks

[@ahamedkabir2006]

I declare my wife thyroid problem as PED, while I buy health insurance from icici last year. Last month we conduct thyroid operation. So now I want inform about this operation as PED again. Because same PED.

[@GurleenKaurTikku]

You can email the insurance company

[@rohitphogat1112]

Thanku ma'am

[@GurleenKaurTikku]

Keep Watching !

[@vishwajeetghodke7063]

Hi mam mere mom ko ILD lung issue hai to waiting period kitna hoga or policy mai cover hoga ke nahi

[@GurleenKaurTikku]

Policy nahin mil payegi

[@vikassardana9233]

Mam 8 sal se policy premium pay kr rha hu...mom ka....Unhe diabitic hai pichle salo se.....jab policy li thi tb medical form pre exixting deases me nil tha....ab in future me koi claim rejection to nahi hogi ?..... waiting period nikal chuka hai ....ab sugar se relate koi claim aayega to reject hoga ya nahi ?

[@GurleenKaurTikku]

Hello jee, policy won't get rejected because disease was diagnosed after buying the policy. But we will suggest to keep the documents related to sugar as a proof that it was after buying the policy.

[@andrewyadav2514]

Mam Mera 2 helth policy hai 1 corporate and my personal Jo 4 saal se chal rahi hai mera surgery hu gallbladder stone ka but may apne corporate policy se clam kiya To mujhe apne personal policy ko information karna chiye

[@GurleenKaurTikku]

Nahin jee, not necessary

[@KunalKumar-xx1dv]

I have purchased a health insurance policy for my mother and mysel have high blood pressure since 6 months which I told that agent but he ignored that now my policy is come and completed 1 month what to do ?

[@GurleenKaurTikku]

You can mail insurance company for this disclosure

[@imranshake274]

Ma'am what if a person has taken taken life insurance policy and company issued it Next month he dignosed with cancer! Dies after 6 months, will the company pay the amount to nominee?

[@yashwantdhole7645]

Yes. Definitely. I have seen a similar case. The person died after 7 months and the family got money. His case was genuine.

[@hemantrawat9271]

maan ples help me 😢 i buy hdfc ergo they takes soo much time 😢 almost week done

[@subhammondal4352]

Mam mere mom ko chronic kidney disease hai just 1month pehle diagonise huya hai, kya mai apne mom ka health insurance karwa sakta hu?

[@GurleenKaurTikku]

Sorry jee, Not possible

[@A2space]

Ma'am I have hidden medical history... After one year can I declare hide medical history about me and my family

[@GurleenKaurTikku]

You can but the decision will be as per the company's medical underwriting team.

[@MICROVISIONDETECTIONS]

मॅडम हमने ५ साल से ज्यादा तक हमारे महाराष्ट्र बँक सेविंग अकाउंट से फॅमिली मेडिक्लेम पॉलिसी ले रखी थी "महाआरोग्य" ज्यो युनायटेड इंडिया इन्शुरन्स की तरफ से अभी उन्होंने उनका टायप था पर अभी हमे बताये बीना वो टाइप कॅन्सल कर दिया है तब हमे अब हमारी पॉलिसी कंटिन्यू कैसे करना है ? अभी तो पोर्ट भी नही कर सकते तो हम कया करे ? कृपया कुछ सोल्युशन बताईये ! 🙏

[@nayanika2046]

Taking alcohol in occasional can be disclose?

[@GurleenKaurTikku]

You should disclose.

[@akashdevdhe3814]

Hi ma'am maine health insurance policy li thi Feb2022 mai tab koi PED nhi thi ab may 2022 mai mujhe Kidney stone hua h so kya mujhe abhi insurer ko inform krna chahiye ? aur policy ka PED ke liye 1yr ka waiting period tha aur mera major nhi h next yr tak to koi claim bhi nhi ayega..kya ye abhi inform krke 1yr waiting period complete ho skta h ya fir next yr renewal ke waqt inform krke fir 1yr waiting krna padega?

[@kalyanmishra6650]

Kidney stone waiting period is two years, After two years kidney stone will be covered.

[@s....982]

Yes apko comapny ke mail I’d prr btana chaiye ….mujhe pta chal gya young star policy he ….sare documents ko scan krr ke , mail krr do ya customer care ko call krr lo….

[@s....982]

@@kalyanmishra6650 ,kya question wo samajho fir answer do….

[@deepakdang8379]

1 saal stone lekar kaise jiya, main ralayta village gaya tha ujjain vaha niklawa di thi.

[@Koli949]

1 saal he high bp rhta he I mean kavi up kvi normal Kia mein health insurance leh skta hu? Agar yes thn kaunsa best rhga My age is 26

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699. Our team will assist you in choosing a suitable plan. Thank you

[@jaysh7149]

Can we hide tests like Angiography?

[@GurleenKaurTikku]

You should never hide any of your Medical History including ANGIOGRAPHY

[@SparkUpLife247]

Fever, viral infection, cough, cold ye sab history bhi batani jaruri he? Ye sab pre existing diseases me aati he? Please reply ma'am

[@GurleenKaurTikku]

No, but if there was something for long term or diagnosed specifically or any hospitalisation should be disclosed

[@pranju4u22]

Mam I have seen policy which has waiting period of 3yrs for PED but at the time of purchasing that policy online there was a Rider over there which reduced that PED waiting period to just one day by giving extra added premium...My question is is this a legal way can we do this? Police name was niva health insurance & care health insurance

[@GurleenKaurTikku]

Yes, absolutely. These add ons / riders are introduced and you are free to choose as per your requirements

[@PraveenKJ.]

@@GurleenKaurTikku ma'am could you explain more about what these add ons and riders are ?

[@vickysehrawat10]

Mam meri sister liver donate kya par policy karane par her jaga reject ho raha hai...ager disclosed na kare liver donor ka agent bol rahe hai 8 yr tak claim nhi logo fir add ho jayega sab kuch

[@GurleenKaurTikku]

Vicky jee, Non disclosure is not recommended

[@dishantdoshi1058]

I wanted to port my current policy of New India Assurance to HDFC Ergo When the marketing team asked about my BMI they said that your BMI is not within the limit it is too high but don't worry in your case there will be only tele verification so you can lie about your BMI. What is your advice on this should I lie about my BMI or tell the truth as my BMI can change anytime. It is not always constant.

[@GurleenKaurTikku]

We would always suggest you to disclose all the information honestly to the insurance companies. There can be an issue at the time of the claims. If you want to buy a health insurance policy, you can connect with us on WhatsApp/Call at 9650706699 . Our team can help you out ✅

[@TOBongExpress]

If policy terminated will we get the premium refunded?

[@karthikyadavar245]

Termination mai refund nhi aata

[@dheeraj787]

Please tell how health insurance company doctors investigate about PED ? Do they get CT scan done or something? Please tell in detail.

[@GurleenKaurTikku]

They go by your self declaration about PED, most of the companies will not do physical tests. It is your duty as a policyholder to give the true information as it is a contract of good faith

[@tausifattar6273]

Maam ligament injury is pre existing disease.??

[@GurleenKaurTikku]

yes, it should be disclosed at the time of buying the policy

[@mohitshrivastava4677]

Hi My mother having arthritis and I'm planning for health insurance for her but health insurance company denied. Is there any alternative process

[@GurleenKaurTikku]

Is it Rhuematoid Arthritis?

[@mohitshrivastava4677]

@@GurleenKaurTikku yes

[@arindam_goswami]

@@mohitshrivastava4677 mam respond please @gurleen

[@mohitshrivastava4677]

@@arindam_goswami brother as of now it's true. No policy company agree for health insurance if someone is suffering from Arthritis

[@snehaldeshpande6452]

Ma’am schizophrenia pre existing hai. Which company can give me health insurance?

[@GurleenKaurTikku]

Can try with HDFC ergo

[@pyaracetamol584]

Should we mention Occasional gastritis/ heartburn as well?

[@biswajitmaity6410]

Wife's C-Section delivery should inform or not?

[@GurleenKaurTikku]

It is not a pre existing disease, but no harm in informing them. you should inform

[@SANTOSHKUMARJHA-ig7ri]

Will Insurance company accept Polycystic Kidney Disease as PED

[@GurleenKaurTikku]

yes

[@mydreamwindow1336]

For 32-33 year single women. Which policy is best

[@GurleenKaurTikku]

Hi, we need more basic information to guide you. Please share more details with us like location, medical history etc. We are available on WhatsApp/Call at 9650706699 or [e-mail] 😊 Thank you

[@mydreamwindow1336]

@@GurleenKaurTikku Noida, abdomen tb and pcod

[@businessswot1003]

69yrs heart attack patients which policy is better

[@GurleenKaurTikku]

Regretfully, No option

[@priyakhedekar6788]

@@GurleenKaurTikku what if 45 years

[@Shwetankdhyani]

I am 100 percent healthy, let's say I get a policy and I develop kidney complications. Would insurance company honor their end of the deal or will they just claim that I had the condition already? Isn't it too arbitrary? It's like they control what's truth and what's not.

[@s....982]

You USG report and CT scan scan image will reveal all condition so company ko avi hi bta do…

[@zorawarsingh6648]

Aayushman Bharat is the best

[@vannampallivinod]

Is pre diabetic a pre existing disease

[@GurleenKaurTikku]

Yes

[@premsagardeore]

Honesty is the best policy

[@GurleenKaurTikku]

Indeed ✅

[@syningdeepak]

Kuch vi bus Gyan baanto