One-crore Claim Rejected!

[@LabourLawAdvisor]

Watch the Full Video👇 kzbin.info/www/bejne/sH6vhIhrjNGGd5Y

[@superstar40051]

Term insurance lete waqt complete medicial check up Kiya tha Uske baad bhi claim reject kr sakte hai kya?

[@aftabrai1655]

Please add info that after 3 years, claim can't be denied based on non disclosure of material information.

[@3724parth]

How to decide whether to opt for higher pension or not ?

[@mihirkumar6591]

Please clarify about after 3 years rule

[@mihirkumar6591]

Please clarify about after 3 years rule

[@suniltradingsunil8777]

Hoshiyar aur shaatir Bano.. Bolne aur dhoondhne wale ko he Manzil milti hai.. ❤

[@amanverma-pu4fh]

I just hate term insurance...... When you would not be in this world and the insurance company rejects the claim.... How digusting it would be 😡😡😡😡

[@shubhumsingh]

It's better invest in India mutual funds in index

[@adityaanand.]

​@johanliebert7603😂😂

[@bediscover3067]

​@johanliebert7603 Aur dete bhi nahi hai😂

[@yt98833]

​@@shubhumsinghTry niftybees index fund ..mutual funds are not so good in return...my personal experience .

[@PriyeshRajLIC]

Trust only LIC

[@gairagaun]

I was silent viewer of your channel from last 3 year. This is my first comment and probably last ,you are GOD of making simple and understanding videos. Stay blessed 🙏

[@reena5515]

U r a Powerful,Peaceful ,Pure soul 🙏

[@yogeshwardewangan5577]

😂

[@sahilkhan_ssn]

My family is illiterate. So I won't take a risk to get term life insurance just to get it rejected in my absence. How horrible it would be for the family. Instead I'm investing the same money in different sources. Which they can liquidate easily.

[@mogleesh-22]

Such as ? 🤔

[@AlexS_2902]

​@@mogleesh-22Land, property, gold etc

[@sarcasticmind_65]

​@@mogleesh-22bank FDs , Gold and flat or shops

[@FATHER_PUSHYABHOOTI_SHUNGH]

​@@mogleesh-22bgmi game accounts 😂😂😂😂 And SHARES of RESPECTED ADANI jii Because he is on Target of CHINA AND West 😂😂😂

[@rajatthakur3058]

What if someone guides them ? There are social volunteers who help with it ..

[@financeandhealth08]

This is so misleading. After 3 years of policy issuance, according to section 45 of Insurance Act, the Claim won't be rejected

[@MINATOYELLOWFLSH2005]

Video kaise sale kre ge apni bhai

[@anishleoj149]

Exactly, Section 45 is to protect the rights of policy holder, in which no any insurance company denied the claim settlement if insured pay 3 year or more full premium

[@joestarrrrrrrrrrrrrr]

@@anishleoj149 bro u are just one google search away to see many cases of insurance companies sticking this section 45 up their customers ass with their legal team. i agree there are laws that protect consumer benefit but the problem lies in upholdment of these laws

[@vimalsoni7148]

Hello can you please help me out regarding the health insurance issue the claim got rejected

[@ankitverma-ud9wf]

This man is kinda brain washed against insurance companies 😂

[@shortsforlife7913]

My respect for lla📈📈

[@keevipin]

Lajawaab ho aap log aap log ham logon k liye kitni efforts karte or jankari bhi ikattha karte ho... Thank you so much

[@ujwalpawar7223]

As per IRDA if any customer gives failed information before taking insurance. And he paid 3 yeas primium , company is liable to pay sum assured to the nominee.

[@perpetualprosperity2963]

Thank You LLA Team🙏🙏🇮🇳🇮🇳🚩🚩

[@arpitgupta9576]

I have heard from employees of these insurance companies to reject as many as claims they can based on any reason, so that customer will withdraw his claim on his own. Matlab ki customer ko itna pareshan kr do ki wo khud hi chhod de.

[@ujjwaldon2002]

Bhai obviously warna company profit kaise bnaygi aur jo claim pass krega uske naukri bhi chli jaygi😣😣

[@YogendraSingh-sc7by]

Such things don't happen in public sector life insurance company. Maybe a practice of private insurers

[@ravibhadauria7489]

​@@YogendraSingh-sc7bysame thing is happened with Public sector LIC also. n number of reason to reject the claim.

[@malayaranjansahoo6448]

​@@ravibhadauria7489bhai me khud lic ka employee hun ,esa nahin hota ,pvt me claim settlement jyda ho to unko show cause ate hain ,yahan claim settlement na karo to zonal office se call ata he claim unsettled kyun he, rat 7/8 ho ya 9 jitna outstanding he ho clear karke hi jana hoga or ready jo jao exact reason with written statement dene keliye 😂

[@amitkamra7822]

If premium is paid for 3 years, insurance companies can not deny claim irrespective of cause of death or wrong disclosures

[@Ras-al-ghul250]

Jitna premium pay kiya hai wo to milna chaiye... I have to revisit my insurance fundamentals

[@jyotirmaykapil3017]

Refer insurance act 138 section 45 post amendment of 2015. The insurer cannot reject the claim if the premium is paid for 3 policy years and insured died after that irrespective of the disclosure. Applied to policy taken after the 2015 amendment

[@malayaranjansahoo6448]

Exclusion is fraud case, they have to show it as fraud to reject claim, so obviously they will opt for this

[@vineetv1608]

Yes, this post is misleading. I have downvoted

[@johnybravo8995]

But in medical check ups, they do check BP and note it in their observation. i got high BP in it and premium increased but happy also that its noted in their records now

[@saini662]

it should be insurance company’s duty to do all the check ups of client before giving him insurance policy so that at the time of claim they should be responsible

[@AshishSingh-qr6eb]

Sir aap log ki itni mehnat ki wajah se hi log jagtok hote Hain bhagwan aaplog ko lambi umar de God bless u

[@sometimesimakesense]

If you are from a lower middle class family, never ever take insurance policies... You will end up losing in lakhs by paying a premium and your family will never get anything. The insurance officer decides whether he will give your family claim or not just by looking at the locality you are living....

[@KakashiHatake-vv4cw]

but say i am from lower middle class family, and my father got some medical issue suddenly or someone had road accidents suddenly and doctor had asked for 40-50 thousand for just surgery, what would i do? i dont have that much savings... instead if i took an insurance 1 yr before then i wouldnt have that much worry and stress in such situations. I am taking about health insurance

[@Indian_20000]

Okay what is your credibility behind this information don't utter crap just using fancy words okay

[@aparnaavyakt4425]

Mere sath bhi bilkul yhi hua.. 😢 Now I'm suffering with extreme financial issues with my kid..

[@abhinavraj7225]

Did they denied after 3 years of insurance

[@aparnaavyakt4425]

@@abhinavraj7225 2 and half years.. policy taken on 13 Jan 2020.. my husband gone 05 June 2022..😢

[@vysakhc7851]

​@@aparnaavyakt4425What is the reason they rejected the claim?

[@raunaktailor8749]

why did they reject?

[@moltenlava1877]

om shanti . If u have any relative or lawyer whom you can trust and are friendly/close with, talk to them abt this

[@nootropics11]

Lic tech term wali bat bilkul sahi he Mandip, me bhi nai dhundh paya😅.

[@shaanshaikh8993]

Samjha nai bhai?

[@pappaji4368]

In all these cases.. after 3 years of policy purchase...our family members will get claim amount right?

[@LifeofanIndian]

Quick tip: Buy term insurance for the mature amount only if you can't afford it. And the mature amount realistically should be 3x your annual earnings.

[@RandomTravelVlogger]

You have the best KZbin channel.. i guess.. 👏👏👏🎉🎉

[@seeker793]

Thankyou so much ye question ki whja se ruka tha pichle 6-8month se

[@YogeshChinchole19]

Mandeep bhai, it has also been observed in many cases, you asked to check on policy bazar, but many of them are also facing issues with them, their customer support, claim support is useless, once lead is generated they sell like anything. So I would request to not emphasis on go only with policy bazar.

[@MINATOYELLOWFLSH2005]

Commission milta hai bhai inko😅

[@akhilwani1462]

Ye log kuch na kuch reason khoj hi lenge claim reject krne liye...kyoki uske liye pura team bitha kr rakhe hain jinko wo log salon se pal rhe hain🤣🤣🤣

[@suvmatrix]

Insurance company mamani kar rhi aur authorities kuch karti nahi majority cases me proof nahi ho pata

[@madscreamer9679]

That s why investing in mutual funds for long term No need of term insurance

[@bediscover3067]

Insurance industry is a scams 😂

[@Indian_20000]

Public is biggest scammers 😂😂

[@caunteya]

This is god's work ,🙏👍

[@sanjeetmishra9726]

I have term insurance with Aegon for the last 4 years. Shall I continue or switch to one of them u suggested

[@aftabrai1655]

After 3 years, company can not deny claim based on non disclosure of pre existing diseases.

[@finworld077]

Sec 45

[@AkashSingh-qm4jw]

@@aftabrai1655 even if someone knowingly not disclose it??

[@abhishekkmr001]

I also have aegon life term plan and I'm continuing it since past 4 years.

[@vishaldipani9741]

Continue it.. Just think like its ur leverage now.. If you want to add than select some other company for further added Protection..

[@rishirajjaingupta]

Better to invest in mutual funds than insurance.

[@ajendergupta8922]

Also after three completion of policy term I think it doesnt matter whether you had given incorrect info or not since IRDA says company had 3 yrs to find out whether all the info furnished by buyer was correct or not. Company had already consumed premium of last 3 years…..to claim toh banta hai

[@jondebbarma7287]

Better to become so rich and wealthy that you didn't need to take any scam term, health or any kind of insurance.

[@praveenjains]

Sec 45 says post 3yrs all claims shud be cleared

[@abhisekprasad1546]

Before buying policy , read the document carefully

[@m0nsterchief]

Dude, this happened to me last year. I skipped it and now I'm happier than ever.

[@Dude_BestOne]

Sorry information is wrong. Please note after 3 years company cannot reject term insurance at all.

[@debeshsaha4658]

Is it really true?

[@Dude_BestOne]

@debeshsaha4658 That's IRDA clause. even if false information was provided Insurance company is supposed to establish that within 3 years and not after that as it will keep people in dark about whether people are insured or not.

[@debeshsaha4658]

@@Dude_BestOne I took term insurance last year. Suppose something happens to me after 2026. Then company has to pay to my nominee, no matter what right?

[@Dude_BestOne]

@debeshsaha4658 as far as I understand policy wordings explained to me... Company is liable to pay even if something happens to you in 2025. However incase if you have omitted some information or not madotry disclosure they can reject. However after 2026 they can't even do that. I think policy wordings say even suicide is covered. Hence due diligence is to be done by insurer within 3 years.

[@debeshsaha4658]

@@Dude_BestOne Yes, they have done my medical checkup before issuing the policy, so it shouldn't be a problem.

[@anirbanbal4034]

Kahi pe toh iye nhi likha raheta hai ki sirf term insurance hi reject hota ha. Ulip or endowment vi reject ho sakta hai or reject ki jagah thora paisa deke settle v karwa sakte hai. But irdai have to be there for saving people.

[@pradipzanzmera6683]

इन सब के चक्कर में पड़ने से अच्छा है। 2 ,3 लाख का मेडिकल इमरजेंसी फंड बना ले जो अपने पास ही रहेगा।

[@shripaddate5681]

Full video link doesn't open. Going forward post name of the video

[@devendrapatil450]

Better to go physical examination n necessary blood investigation ....den onus will b on company if dey reject claim...anyway after 3 years company cant give any excuse of rejecting claim.

[@shuahm8275]

Life insurance and even health insurance companies r taking money but in time of need they just back off n dont pay. Y doesnt govmnt take strict action against these L.i.c's?

[@realworld9282]

Great work sir

[@lavyachannel3269]

Video unavailable Showing full video Pls share other link

[@Riya-d7q7x]

FALSE . MISLEADING . Section 45 of the Insurance Act, 1938 states that a life insurance policy cannot be challenged after three years A life insurance policy cannot be challenged on any grounds after three years from the policy's issuance date.

[@meghnathjani5956]

Instead of buying term insurance, I think it is better to start the business of selling term insurance 😊

[@Comment_Man123]

Similarly, my suggestion is, Occasional smokers should undergo a specific test to determine how they should be classified as either smokers or non-smokers.

[@vivekgupta-js8nh]

Let me aware about one big scam! My dad is a vegetable vendor and he got scamed of about 6 crore. Basically what happened there was one person in the vegetable market who used to get 50k for one current account opening and passing forward all the documents like atm card passbook and sim card of the bank . That person told my dad to open an account and he will provide 10k per month for that bank account and after getting open the accessories along with bank credentials he used to forward ahead to a person B and then the person B used to trasfer that accessories to person C and D And so on . After reaching of the accessories to the top person what he used to do is he did 6 crore ka fraud and my dad got arrested multiple times in multiple area 😢😢 we are still fighting very hard and hardly dealing with this . Mai ek college student hu our 1 mahine se college bhi nhi gaya ,ghar wale toh bhot hi pareshan ho gaye hai , kya karu kuch samaj hi nhi raha hai ?

[@DeepakJindal07]

Galti aapke father ki bhi h.. sad but true

[@prakashtharwanimfinvestments]

Get any good lawyer and prove your innocence

[@daryaniricky]

I purchased Term insurance of 1 cr around 1 year back. I disclosed every possible detail they asked, but to be my surprise, they just issued policy without asking me for any medical test to be conducted ! What should be done here as this can create issues later on may be at the time claiming?

[@avinchik]

Yes, never heard of medical checkup. Although I don't have insurance yet.

[@bezawadabharat3075]

Medical checkups are must , which company issued without that?

[@daryaniricky]

@@bezawadabharat3075 TATA AIA

[@PrabhsimranSingh15]

Better option take a good term insurance policy from a reliable source but be truthful when questions are answered. And even if other co morbidities arise, they should be informed to the insurance companies and should be updated in the policy even if it decreased the overall claim value of insurance policy. Better safe than sorry🙏😁👍

[@Aadil_Sheikh_92]

That's why insurance and Intrest is totally prohibited in islam

[@saadjsayed]

Mat lo term insurance. It's a simple win win situation for the insurer.

[@sachinkumarsingh3729]

Anything insured spikes its cost. When we are insured, we dont even look at excessive charges on bills. With that businesses expect the same with un-insured individuals. Gradually that excess becomes norm and the loop continues. In India its just medical, in US its medical and car maintainance. In India local vendors can repair cars at authentic rate. Once most of us start using insurance for vehicle damage, we will be paying 10x of what we are paying now.

[@sachinkumarsingh3729]

Insurance is a rat-trap. More we go into it more un-affordable that business will become.

[@MadhurAgrawal08]

Another fraud happening in the field of insurance, Mediclaim and Mutual fund is done by banks, who are miss-selling anything on the name of anything. You should definitely make a video on it. If you want I can provide detail information on this topic!

[@imsandeep4]

Amazing team work 😊

[@yogeshnalawade6041]

Thank you for saling New technic .😅

[@mavanijj]

No insurance is the best policy saving in gold is the best baki sab 🤣🤣🤣🤣🤣🤣

[@bipuldas1765]

Full Body checkup ka report dalna hota hai Insurance lene se pahele

[@Social_trend2]

Bhai full video tho dekh lo pr ab full vdo se bore ho jate hai shorts mae he part wise bna do 😂🤣😎

[@adwaitvedant3297]

Its better to take ULIP thats why + Mutual fund...Term Insurance is not good solution but a real scam that onely companies regulate internally....

[@zozox610]

Term insurance bohot zaroori hai 1% bhi kuch hojaye tto piche family ko takleef ni honi chahia. Aur hone ko tto kuch b ho skta hum sirf prepare he kr skte hai

[@amitpoddar8691]

If I have any medical issue at the time of buying policy,it should be diagnosed by medical checkup and the policy should be issued/denied accordingly.

[@utkarshsinha7548]

Please Aaplog hi insurance company start krr do 😅hum poore support me h atleast tension to nhi rahega fraud me, I know it's just a hypothetical condition but thanks for your guidance and help ❤

[@sg-rs3bu]

Andy for a moment --- main sahi hun???

[@PADY_]

Video nor available 😐

[@Maharanaji1]

Lic was the last trustworthy insurance company, abhi toh kisi par bharosa nahi aata ...

[@nootropics11]

One thing I dont understand, why gov. charges GST on premiums when it is higly under penetrated?

[@nootropics11]

We even dont know whether we will get this claim in future😢

[@KCSAHU-hb2fl]

That's why LIC is best , it doesn't rejects any claim in any condition ❤

[@gopinathg1339]

Kya kare in that situation.... Kuch solution ka bi link bejo na bhai

[@mihirkumar6591]

Please mention section 45 @LabourLawAdvisor

[@GoofyNerd-d9k]

Insurance of any type which is not mandated is a scam. Just invest this somewhere else where you can expect good growth .

[@bharatpatil4020]

Lic is best.... ❤

[@aniket8165]

Same happened with me Oriental insurance rejected my claim

[@jayruparelia3545]

Sir, what do you mean by 'prescription me hiper tension ki davaiya likhi he'? The prescription of date before we take the policy or any date after that also, may be 10-20 years after also? & how do insurance company get those prescriptions? plz elaborate your anawer

[@noanyone]

I am a postmaster and everyone should to take policy in post office ex. RPLI & PLI

[@docondock]

Royal Sundaram

[@drdev87]

Till how many years is this case no.-3 can be considered by company ?

[@prawinaher1627]

I cannot click links in comments or description

[@sanketsarode]

We want him back to LLA...

[@rubeushagrid4131]

Is duniya me apke maa baap ke siwa apka bhala sirf aapke guru chahte h… aur koi nhi… chahe wo company ho ya neighbouring country

[@vikramrahulsingh]

The detailed video is not available, whats the point of the short or link in the comment?

[@Yash_9669]

And what about health insurance, do they do the same kind of scam in it too???

[@suniltradingsunil8777]

Make sure you have good contacts with the hospital doctors or talk to them clearly that ur discharge summary should be very simple and should not have anything written which can make the insurance company feel that you had the health issue from before. And No 2. Big point . Health checkup karne k baad he to policy banayi thi, tab tumhare doctors ne kyu nahi likha ki mujhe yeh problem thi .. U can reverse the blame on them that u hide the facts when u wanted to make the policy.

[@vikashtjha]

Happened in my Mom's case. Claim rejected for brain stroke saying cause of Brain stroke was uderlying Hypertension.

[@abhinavraj7225]

3 years hogye thae ?

[@gloryepublishinggloryepubl393]

How old is the policy? If policy completed 3+ years they can't deny the claim..

[@rajansalunke7831]

Go for LIC

[@om7206]

Best choice LIC

[@UniversalVista]

These things happen in all private life insurance companies in India

[@alokakki0007]

marne k baad kya pata ki ghar wale ko claim dene me ye company kya chaalbazi karegi

[@MrManishvatsyan]

Nobody pays premium to get their families harassed by bunch of goons after death. Better save some money and put family as nominee. I have seen so many people around me paying premium but never heard anybody getting the claim after casualties.

[@realmekumar99]

I always watch your shorts with father

[@padmasonalkar9077]

You are best ❣️

[@iamsanu1991]

After 2 years no one can reject if you don't disclose as well

[@Mukhesh_24]

Video unavailable

[@RohitDhiman]

From where they found medical records.. and how to prove that the medicine is started on which date

[@ArunSharma-rb4lw]

Agar Policy ko 3 years ho chuke hon toh IRDA ki kuch guidelines hain ke claim reject nhi kr sakti company. Plz uske baare me kuch batayein.

[@prakharsrivastava1946]

Video unavailable?

[@sachinsonawane6222]

This is wrong I was a part of claims dept. & This is not the way it works.

[@LabourLawAdvisor]

Feel free to write me at [e-mail] and tell me what's wrong and what's the right procedure from your experience in claims dept

[@gauravgk777]

हमें भी शेयर करें please

[@50offyup50]

​@@LabourLawAdvisormail aaya kya bhai 👀

[@GreatWork12]

​@@50offyup50abhi tak toh nhi bhai💀

[@50offyup50]

@@GreatWork12 pakka pese phasaiga. Lagra muje. 🙄

[@shivmandal3913]

Term insurance kya hota hai??? Ispe ek video ho jaaye🙏🙏🔱🏹

[@prabhatsingh6178]

यदि क्लेम मिलना ही नही है तो क्यों ले इन्सुरेंस

[@unorthodox-g9s]

Buy from LIC and PLI.😅

[@hrishikeshkrishnanandmally7260]

In my case the insurance company itself has did the medical checkup and I have disclosed everything, so how can they go with option 3 from medical insurance company?