Online Term life insurance plan in policy bazaar | in Tamil | Nivas Narasimhan

[@vivekorton5816]

Intha video useful ha irukumnu nenaikiren nu sollave venam sir .. because kandiippa intha video useful ha tan irunthuchu...semma example story sonninga sir... super super super..

[@nivasexcites]

Thank you so much Vivek

[@manikandanjeyabalan1836]

This video is very useful to all & I have taken a term plan ipru through policy bazaar only...

[@arunmano3320]

Sir, Thanks for the Informative Video. I m 33 old, looking to take term insurance for 1 Cr. My CTC 5.90L, coverage upto 60yrs online policy Tata AIA is it right decision?

[@rumeshkumaar8306]

Sir ...I m 24 years... I plan to take insurance for one crore ....till 60 years..non smoker .... 1.Can I take an insurance via policy bazaar? 2.Is HDFC life a good insurance option? (Premium-830/month) 3.My parents are rural with no literacy..will it be easy for them to claim if I take through policybazaar ? Ur comments sir?

[@nivasexcites]

Pls avoid HDFC now.. They are very slow.. And avoid policy bazaar also.. Claim can be processed in the nearest branches of their city..

[@rumeshkumaar8306]

@@nivasexcites thank you sir...can u suggest me any other good alternative than HDFC....the premiums are going to get raised soon they say....

[@rumeshkumaar8306]

Bro?

[@narayananlekshminarayanasa3217]

Brother Lic has jeevan amar for 25 age 1 crore term with accident upto age 65 years premium below 24000 yearly.dont take any private they ask questions after death happens.Lic all before policy issue and upto 2 years after issue of policy regarding suppression of facts. No question asked after death

[@ajin8111]

சூப்பர் சார் ​@@narayananlekshminarayanasa3217

[@rahimmohammed3065]

சூப்பர் சார் நீங்க சொன்னது தான் உண்மை

[@nivasexcites]

👍

[@dr.k.rakeshchandru3077]

Hi sir..Very useful information Tata AIA SRS Vitality protect Term plan edukalama..

[@PrabuDhanapall]

Hi, I am working in software company . My company has provided term plan as well along with medical insurance . Should I mention this policy in the term policy I am planning to buy on my own ?

[@lawrencemartin4591]

What company u are working for

[@sunilkumar-rl1cf]

Yes

[@SelvarajK-m1i]

Sir, vanakam policy bazar insurence nalladha .

[@syedtamilan6552]

சார் வணக்கம் நான் தமிழக காவல் துறையில் காவலராக பணிபுரிகிறேன் நான் டேம் இன்சூரன்ஸ் எடுக்கலாமா

[@nivasexcites]

Yes you can take. WhatsApp to 9363254007

[@PalaniSamy-zb2tt]

Agentkku kattr 8:17 athukku first panam irukkanuma? . Agent padikkavittalum paditha varkakai emmatruvarkakala?.. Sariyillatha sattangal.

[@kuganrajm]

Tell about Health insurance bro I'm currently looking for the best health insurance for me & my family individual plan in policy bazaar

[@premcdm7563]

Sir, I buy term insurance from the policy bazaar today. Insurance company: maxlife. I Take 1 cr. They initiated a medical checkup. But policy is not issued. Is it the correct decision?

[@raviteja-hz6wj]

Hi brother, what happened next

[@bkbalakrishnan2798]

I usually buy my insurance only thru Certified Insurance Consultants. After sales, support is very important in insurance. I do verify things online and I never buy online becoz, fraudulent activities prevails in online. Instead, I buy thru a Consultant.

[@vishvavishva9138]

வணக்கம் சார் ‌ ஆன்லைன்‌ பாலிசிபஜார்ல‌ நம்பி‌ பாலிசி‌ எடுக்கலாமா‌ நல்ல‌ நிறுவனமா‌ சொல்லுங்க‌ சார்‌

[@Karimbasha-rr5hd]

Yanakum antha daut eruku bro

[@PravinRajN-y7t]

Moratorium period in term insurance is 3 years, it means 3 years kalichi insurance company have no rights to decline the claim. If you pay premium properly.

[@nivasexcites]

Period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits

[@bhaskarn2808]

Sir enaku pancreatic stone iruku.. nan term insurance eduka mudiyuma

[@thiyagarajans900]

After reading many comments I understood this channel admin is Bajaj insurance agent..

[@nivasexcites]

My god.. Pls check in Policy bazaar. Which premium is less..

[@nivasexcites]

Even im an agent of Bajaj whats wrong.. I have spoken about HDFC click 2 protect and Max life Term plan in my channel. Im going to talk about Bajaj Term plan shortly..

[@palanivelg786]

வணக்கம் sir, முதல் கம்பெனி ல எடுத்த பாலிசி க்கு மட்டும் எப்படி கிளைம் கிடைத்தது...

[@nivasexcites]

If policy is taken 3yrs before, investigation will not be too much. For any claim within 3yrs, they will check very strictly

[@theboss9942]

Sir medical test la diabetes irukkunu extra amount pay Panna solranga Policy edukalama sir, please suggest me

[@nivasexcites]

Accept it

[@karthickramesh5596]

Kadhai nala iruku but info is correct

[@nivasexcites]

Thank you karthick.. Are you appreciating or making fun?

[@sundararajana5500]

What are all the frauds by insurance company, can u explain

[@AnithaAnitha-ms2ox]

இந்த பாலிசி எடுக்கலாம இந்த பாலிசி டீடெயில்ஸ் சொல்லுங்க சார்

[@nivasexcites]

Send you details to 09994266772

[@ajitkumar2357]

Term life insurance and Health insurance difference enna nu konjam solunga sir

[@nivasexcites]

Term life is death cover. Health Inurance is Hospital expense cover.

[@annaduraia8745]

Term insurance is risks cover (death) and health insurance insurance supports money when against to take disease treatment for insured person.

[@jagadeshjagadeesh6398]

Hi sir policy bazzar posp la work pannalama safe aa bro ethuvum problem varathu la

[@nivasexcites]

You can work

[@jagadeshjagadeesh6398]

@@nivasexcites and innoru doubt bro icici lombard posp and policy bazzar posp rendu oray time la work pannalama or work panna kudatha rendum oray time laa athu ethunachi problem varuma bro oray time la rendu work panna

[@oner1247]

If u want job for insurance. Please ping me

[@i_drug_gulfie4269]

Sir policy bazar la insurance edukalama ?

[@thiruvengadam3248]

Sir na team and health insurance எடுக்கணும்,, so எனக்கு help பண்ணா முடியுமா

[@nivasexcites]

Yes. WhatsApp your details to 9994266772

[@prabujayk]

Sir really pay pannuvangala suppose death ana with proper reasons and supporting documents irundha kooda, illa share market down ayrchu so pay pandradhu kastam nu solli iluthadipangala? Insurance companies. Death claim results kamikranga but adhellam original ah epdi nambradhu suppose yaravadhu namma circle la benefit achuna kooda atleast nambi podalam.

[@nivasexcites]

Hi Prabu jay, If we give proper information and with medical check up, they can't deny the death claim. Death claim documents are very simple. Even if they deny for some documentation, we can re-submit with required documents. Still if they deny, we complain with IRDA and Insurance ombudsman court

[@gunasekaranm4387]

எனக்கு வயது 70 ஆகிறது. எந்த கெட்ட பழக்கங்களும் இல்லை. எந்த வியாதியும் இல்லை.10 வருடங்களாக B. P.. சற்று அதிகம். மருந்து எதுவும் எடுத்துக்கொள்வதில்லை. நான் Rs.65 ஆயிரம் சம்பளம் வாங்குகிறேன். நான் என்ன பாலிசி எடுக்கலாம் என்று ஆலோசனை கூறவும். நன்றி!

[@nivasexcites]

Maximum age at entry for policy is 65 only sir. So invest in mutual funds. Take good health insurance

[@josephabarna8678]

Nominee um illana.. Eppati vangurathu

[@nivasexcites]

@@josephabarna8678 nominee is compulsory in Term insurance. If nominee is not there, then legal heir certificate required to claim.

[@manivel.ssubramani3769]

Diabetes information kudukanuma sure ah ... starting stage Diabetes

[@nivasexcites]

Yes we have to give. But before taking medical test, ensure your HB1AC is under control.

[@NamasivayamC]

A person is in NRI just for working in few years and he will back to India after few years. In that case person can procure Term insurance & medical insurance in India?

[@nivasexcites]

Yes he can take.

[@johnmoses4033]

Sir I am Government Employee. And I already paid NHIS in every month mandatory. So Max Life Term insurance 50 lakh edutha NHIS & MAX LIFE 2nd layum claim pannikalama?

[@nivasexcites]

Nhis is health insurance. Maxlife is term insurance

[@DNLearningBites]

அருமையான பதிவு👏👏👏

[@nivasexcites]

Thank you

[@mkumaresan1494]

Can I purchase policy at policy Bazaar?

[@manikandan-xo9nb]

Vanakkam sir nan jewel shopla work panneran my salary 25k anal yenaku income cerificate and salary slip kidaiyadhu nan term life insurance yedukalama reject panniduvangala

[@harir2696]

3 month payslip with salary credit bank statement is must important.. otherwise they don't give policy

[@dineshduke3308]

sir my brother mayakam vanthu kela vilunthu head injury auiruchu operation pannom 4days apuram eruthutaru bro ippa lic la claim panna pona intha mathiri accident cover agathu na manager ta ketu solluran solluranga bro ethirparatha vithama accident analum cover agum la bro ungaluku terincha konjam solluinga

[@nivasexcites]

If he already has a policy without any pre existing disease, you will get the claim. First Submit all the documents and claim forms.

[@dineshduke3308]

@@nivasexcites sir 2012 la jeevan anand 149policy 2018 la jeevan ananad 815 policy edithom bro claim pannitom bro policy amount la vanthuruchu bro ana innum death claim amount varala bro athuku enna pannalam avanga sonnathu division office la kettu sollurom apiram yella documents si seal vachi vangi kuduinga sollirukanga bro

[@dineshduke3308]

@@nivasexcites brother ku yantha disease illa bro cause of death ya head injury tha potturku bro

[@nivasexcites]

Then you will get the claim. Go to divisional office and contact the right person

[@dineshduke3308]

Sir lic policy potta apiram 2019 la bike la kela vilithu head adipattu and hand la plate vachiriki athuku apiram 1vatti valipu vanthuruku bro ithula la inquest report yaluthu iruki bro ithunala yathachu rejects pannuvangala

[@VeeramanikMani-yy2zh]

Sir my relative had a term insurance unfortunately he is no more now.. we are not able to get his insurance details..how can we get it? Kindly help us sir..

[@nivasexcites]

Which company he took? Pls check his email and Sms for policy no

[@VeeramanikMani-yy2zh]

@@nivasexcites okay sir..

[@nishanthnishanth4849]

Sir vanakkam .naan policy bazzarla life insurance podan document varala Enna pannalam sir( personal patthi kekkala)

[@nivasexcites]

Inform customer care

[@nishanthnishanth4849]

Thanks sir

[@user-hz2es6yf2g]

சார் nan icici pru term plan vankirukkan athu la docmentla accidental death benifit nu mention paniriku normal death nalum claim aguma

[@nivasexcites]

3types of death covered in Term plan Natural death Accidental death Death due to illness. If an accidental death benefit rider is added, for accidental death double sum assured will be given.

[@user-hz2es6yf2g]

Thank sir🙏🏾🙏🏾

[@agilanofficial2031]

Bro policy 60years potu irupom but 60 above death agala appo andha amount enna agum namaku return pannuvangala

[@nivasexcites]

If you take insurance up to 60yrs. Its covered only till age 60. No return will come. There are Return of premium options. But premium will be high. So don't go for that.

[@sathisharumugam9304]

Sir, I’m planning to take TATA AIA Life Insurance Sampoorna Raksha Supreme(Life Plus) for 1 cr. Is this good one? Is TATA is good?

[@nivasexcites]

Yes. Its good. Compare the premium with Bajaj also. If you want, i can get you quote

[@g.sekarguna8575]

Sir enn friend oda appa drinks adchudu accident death .policy clear pana mudiuma

[@Yahweh-jireh]

Term insurance podum pothu medical check up panni pass agina tane they accept the policy right

[@nivasexcites]

Yes. Only if you are healthy, you will get it

[@fgujhcsgjjjcc1510]

Policybazaar la two wheeler insurance epadi claim pannanum pls reply

[@nivasexcites]

Call their customer care no

[@fgujhcsgjjjcc1510]

@@nivasexcites tamil customer care a epadi contact pannanum

[@Babubabu-1998]

Good evening sir best term insurance your opinion sir

[@vijaykumar-vc2cs]

7.55 well said...sir...👌👌👌, As per your view which is best term insurance foe 30 to 50L.pls...

[@nivasexcites]

Hdfc and Bajaj are better now

[@vijaykumar-vc2cs]

@@nivasexcites Thanks for ur reply...

[@savin5981]

Useful information sir.. how to approach if claim is rejected.. I have a friend who's policy got declined..

[@nivasexcites]

1st re appeal to the same company.. If the response is not in favor, raise a complaint with IRDA. Then apply with Insurance ombudsman.. If the process is difficult, we can apply with Insurance samadhan..

[@saravananmurugesan3576]

Thanks sir for the clear explanation

[@muthukumarmech2646]

Sir , In which reasons company can reject our claim ?

[@nivasexcites]

If we have hided any information, then they can reject the claim

[@marimurugan2392]

Sir useful for ur information but one doubt how to claim incase of online policy taken

[@nivasexcites]

You have to visit the nearest branch

[@marimurugan2392]

@@nivasexcites K sir thank u

[@arunkumarm7435]

Hello sir,I had basic term insurance for ₹2crore.Policy term upto 75 years. Now iam working in railways. Iam paying policy premium of ₹27132/-(₹13566/- halfyearly). what is HLV in term plans. Will it affect my sum assured ₹2 crore amount after my age crosses 60 once I retired from railways? Kindly clarify sir.

[@nivasexcites]

No. it will not affect. Even if you get VRS next month, it will not affect you.

[@arunkumarm7435]

@@nivasexcites thank you sir for your swift response. Is there any chance for this term insurance providing companies to reject the claim interms of terms and conditions (as nobody much reads about their hidden tricks)in case of my sudden demise. If possible make a detailed video about "what are the risks involved if a person chooses term plan upto 75 years and above? "

[@nivasexcites]

If we have not hided any information, Nothing to worry

[@mohan1944]

Hai sir thanks to information, one question monthly payment best ha or yearly payment best ha please inform sir

[@nivasexcites]

Go for yearly

[@vijimuniyandi1187]

Sir. After death nominee epdi climb pannanum

[@nivasexcites]

kzbin.infof8roDepGukQ?si=t2E-nQq8aYtqR5ox

[@RobinJoseph2010]

Sir, my age is 35. which is good term insurance company now? Why not through policy bazaar?

[@nivasexcites]

Look for maxlife and bajaj.

[@RobinJoseph2010]

@@nivasexcites Maxlife is giving good benefits, can I select that throughpolicy bazaar? They asks physical medical. How they would do it?

[@Arunkumar-rd7hh]

Any Term Policy less than 3 years old usually be rejected by insurance companies citing some reason.The IRDA rule suggests to honour all policies if they are more than 3 years old on humanitarian basis even if there is misinformation on details during policy time. The Investigating team of the insurance will go to any extent to get the proof they need( surprise visit to home, check near by hospitals, make calls in other names etc)

[@nivasexcites]

Any death claim which comes lessthan 2years is defined as EARLY CLAIM. For these cases, investigation will be very strict. How can healthy person passes away within in 2years. They will check whether he or she has any pre-existing illness which they have not mentioned while taking the policy. If it is Genuine, they will pay the claim.

[@kantharao2513]

@@nivasexcites The person doesn't have any medical problems at the time of purchasing a policy withe the medical certificate. If death occurs After two years due to some illness.. Will the company pay the sum assured claim

[@nivasexcites]

@@kantharao2513 if you are healthy while taking the policy, no one can reject the policy.

[@maheshwari3705]

Sugar iruku apply Panna reject aaguma.......

[@nivasexcites]

If your HB1AC is under control, it will not be rejected.

[@balajivenkataiah6689]

Excellent information. Thanks Nivas. Keep rocking as usual 👍

[@nivasexcites]

Thank you so much sir

[@MuruganMurugan-ul7hj]

Wow excellent information 👍 Thank you so much Sir 🙏

[@nivasexcites]

Most welcome

[@sureshkumar-kv9tm]

Sir good vidio.working in abroad but no graduation so mostly company not providing . approaching policy bazaar they are providing with some company is it possible? Also while applying they says mentioned grautute pls advice is it the right way ? Waiting for your reply thanks .

[@nivasexcites]

No. Pls don't declare as a Graduate. We don't know what will happen in future. You can apply in Lic in online. Otherwise WhatsApp to us at 9994266772

[@sureshkumar-kv9tm]

@@nivasexcites ok sir thanks

[@senthilkumara18]

is it advisable for Bajaj insurance with Policy bazar ? But agent quote more

[@nivasexcites]

If you want service, take it through agent

[@Jk-on2bs]

online la eduthaa, medical checkup irukkumaa? claim pannaa reject aagumaa?😊

[@nivasexcites]

@@Jk-on2bs if you are healthy while taking the policy, Nothing to worry

[@anithakesavan7970]

Hi sir planned to buy a health insurance, can u help me by saying a good health insurance plan and a good insurance company sir?

[@nivasexcites]

WhatsApp to 9994266772

[@rajeshrajesh-op8ft]

What about ulip policies...I bought from tata aia recently. They given policy to me without any medical test.

[@nivasexcites]

You will get only 10times of your premium paid as life cover. Do you think it will be sufficient for your family on your absence?

[@sivashankarn8625]

They sum assured death claim of 50lk to 1 cr on ulips....

[@annaduraia8745]

When buying insurance he is salaried person after retirement he has no salary.. What will happen if suppose he will death. Pl.sir.

[@nivasexcites]

When he is taking the policy, he need to be in a job.

[@murgaanandham3322]

Hi sir which insurance company I will choose health insurance and and term insurance need your advice

[@nivasexcites]

For term insurance, look for maxlife or Bajaj. For Health insurance, look for star health.

[@ANANDPARTHA]

How will you get the claim when during the second policy proposal if the person has not disclosed the first policy?

[@nivasexcites]

Possible if income prof matches his Human life value. He has mentioned about 1insurance in 2nd policy. But he didnt mention in 3rd policy.

[@monika_arushi]

Sir I'm 29 now if I'm taking a term insurance now on regular pay method for upto 65 yrs for 1 crore.. And assume I'm 70 thn.. Will i get the money nor it ll come to my dependant (nominee) after my death or all money ll be lost.. Can u kindly help on my doubt n clarify it

[@nivasexcites]

In pure term insurance, amount will be paid only on death during the policy term (till age 65). No maturity benefit. That will be used to settle other clients claims

[@ravikumarm8066]

Policybazzer la term life insurance edukalamah ? Nambikai iruku ma?

[@nivasexcites]

Yes. You can apply. But educate your family members about your policy.

[@prasathsathiyan6375]

Hi sir, I am 31, to get a term insurance shall I go with the company website or policy bazaar website.

[@nivasexcites]

Whichever is comfortable for you, you can go..

[@acknowledge4026]

Sir...term life insurance எடுக்கலாமா...online ல அது future ல நம்ம familyku usefull ஆஆஆஆ இருக்குமா

[@nivasexcites]

Yes. It is necessary now

[@narayananlekshminarayanasa3217]

Take with LUC TO BE USEFUL.OTHRES WASTE

[@kovaiguy5846]

@@narayananlekshminarayanasa3217 is 1 crore policy available in LIC?

[@sridharchandran8276]

After the maturity period if person is alive he will get the money back or not?

[@rajashekarn2000]

No

[@tweetysivakami3476]

Sir my husband is planning to take bajaj alliance e touch term insurance policy and he had the kidney stone problem before 1 year and now he is fine.. While mentioning our medical conditions do we need to mention this as well?

[@nivasexcites]

As per rules, you should mention it. But Kidney stone is not a major illness. Nothing to worry.

[@Collection-aka]

Sir very clear explanation thank u I am going to pay only 5 lakhs premium but how it is possible to get 1 crore and I purchased term insurance from policy bazar PNB met Life insurance is this good company

[@nivasexcites]

Mam, not everyone will die during the policy term. There is something called mortality rate. Based on that only they will charge the premium.

[@VVINOVVINO-se8jc]

Aegon life insurance company la edukkalama sir

[@nivasexcites]

Yes. You can take

[@henrikarajasekar8604]

Sir, 56 years man how to take term insurance please guide

[@nivasexcites]

Sir minimum 10lakhs income required, education should be graduate and income proof required.

[@sivaapple1844]

@@nivasexcites okey sir. My family too middle class. So, I have to plan this ..... Please give me suggestions what's your point.... anything I accept from you ... My mom is good health condition... Also 52 year old. But No income and not tax payable person. Also I'll give the amount also directed cash only...... Every month I'll give some income from my investment 15k They're no idea with insurance. But now I'm planning to apply for term insurance for my mother. Incase anything bad will happen that fund help with my family.....this is my idea....? I know this is wrong.....but give me the suggestion.... please....?

[@sudhakarkannan5277]

Very much informative

[@Saisuguna111]

Sir iam from chennai online la health insurance yedukalama is it safe

[@nivasexcites]

Go to nearest star health office and apply for a policy with an agent who can serve.

[@natz8982]

Sir i have just started to earn so i decided to take insurance so i visited policy bazar they asked for my salry i mentioned for my salry im only get 50l but i need 1 cr since i just started to earn i have less salary later i may get high salry so how can i increase my premium for 1 cr and i decided to have accidental cover critical illenss cover is it enough

[@nivasexcites]

Bro, Now start with 50Lakhs and choose regular premium and life cover upto 60years. After 5years, once your income goes up, Take a Higher life cover with Critical illness.

[@sherlockholmes3801]

@@nivasexcites once purchased they say we can't buy new

[@nivasexcites]

@@sherlockholmes3801 No. You can take a new policy provided you have sufficient income proof and the existing policy should be inforce.

[@manjunathm9101]

Hi sir.. how about Max life term plan..

[@nivasexcites]

Its good only

[@JRJTamil]

Hi sir, na remba videos parthuten and athikama search paniten, bro na term insurance companies Max life and Lic choose paniruken, which is most best and worth? pls suggest me, my age 35

[@nivasexcites]

Whatsapp your details to 9994266772

[@ajin8111]

No doubt Choose LIC always best in term Insurance..

[@nivasexcites]

Premium?

[@myresearchonmicroornithopt4423]

Kidney transplant pannavanga term life insurance poda mudiyuma sir?

[@nivasexcites]

Not possible

[@Just592]

@@nivasexcites Sir..For dialysis patient will get any insurance plan?? In online.. After getting the policy.. Is there any problems in claiming process(less than 2 Lakh SA) ... Please give. Me the answer... Thanks in advance

[@pattabiram2856]

Hi sir, I'm planning to go for the LIC tech Term plan (Online plan), premium of 50L amount was good compared to most of the private insurance companies premiums, Can I consider this plan, I have HDFC as second priority before final decision, but on HDFC I'm not fully confident.

[@nivasexcites]

Check with Bajaj..

[@narayananlekshminarayanasa3217]

Go with LIC ONLY.INSURANCE risk is same for all company.re insurance charge same.then how come this fraudulent private companies to compete with LIC reduce premium and there by unable to pay claim go in loss. THIS adviser is anti LIC and pro private .He worked in private company only. And dont know anything about greatness of LIC. and its 36 lakhcrore asset govt guarantee and all

[@nivasexcites]

@@narayananlekshminarayanasa3217 thank you so much for your comments. Im not against LIC, i dont suggest endowment plans of Lic and other private insurance. If lic can offer Jeevan amar at low rates, i will appreciate and suggest to others.

[@ANANDPARTHA]

You can also check Maxlife

[@sivaapple1844]

@@ANANDPARTHA I will try.....🦋

[@OKWehrmacht]

pls suggest best term insurance for 1crore

[@nivasexcites]

Lool for Maxlife and Bajaj. If you want to take Term life through me, whatsapp to 9994266772

[@KarunanidhiM-yk3eg]

hii bro policy bazar la bajaj alliance la 50 lakh cover term insurance ku income prove theva illanu soldranga antha plan choose pannalama?

[@nivasexcites]

You can try

[@jaganjack367]

Kandippa use aachu bro thk bro

[@nivasexcites]

Welcome brother

[@sabais3267]

Afer taking term insurance paid 2.5 years premium my friend got diabetes is should be intimated...kindly reply

[@nivasexcites]

Not required..

[@sabais3267]

@@nivasexcites thank sir is it possible for claim rejection on diabetes..

[@nivasexcites]

No. Policy issued on a condition 2years before. Now they can't reject.

[@sabais3267]

Thank u sir but at the time taken online no medical check because sum assured only 50 lakhs..share ur views if u have time..

[@nivasexcites]

@@sabais3267 its OK. Pls maintain the record of 1st Diabetes diagnosed report carefully.

[@Karunarajam-q5x]

Good information by citing example

[@nivasexcites]

Thank you Sriram

[@gulamdhasthagir322]

Can we take policy through policy bazzar or direct company website. Which is better.. Pls advice practical problems during claiming sir. Policy bazzar could help during claiming..

[@nivasexcites]

Take it through a known agent

[@kannan2]

சார் எனக்கு நீங்க இதுல எனக்கு ஒரு பாலிசி போட்டு தரமுடியுமா

[@nivasexcites]

Send your details in WhatsApp bro

[@kannan2]

@@nivasexcites வணக்கம் சார் உங்களோட வாட்ஸப் நம்பர் எதுக்கு சார் சென்ட் பண்றீங்களா

[@nivasexcites]

Its in the video itself

[@kannan2]

சாரி சார் வாய்ஸ் மெசேஜ் இல்ல பண்ணுனேன் அதனால

[@kannan2]

@@nivasexcites சார் உங்களோட வாட்ஸப் நம்பர் வேணும் சார்

[@kantharao2513]

If purchase online how do I submit medical reports

[@nivasexcites]

They will ask you to go to a hospital to do medical test

[@annaduraia8745]

Insurance company wil guide you where you have to get medical check up and medical procedures and remaining call also arranged by company.

[@kantharao2513]

I heard from insurance companies doesn't require medical test.. Is it possible.

[@nivasexcites]

Yes. For age below 35 upto 2cr, not required. But we have to give all information about our health status.

[@kantharao2513]

@@nivasexcites OK sir. Is it possible to get the medical test first and then the insurance company accept the policy if they are fine with the medical test.

[@nivasexcites]

@@kantharao2513 you have to apply for the policy by paying the premium. Then based on our health declaration and profile, they will conduct medical test. Then only policy will become inforce.

[@kantharao2513]

@@nivasexcites OK sir. So if I purchase a policy online how will they conduct a medical test..

[@nivasexcites]

@@kantharao2513 they will call you and fix medicals near your office or at home where they have a tie up

[@worldking3346]

Entha policy poda age limit sollunga

[@nivasexcites]

Age 25 to 54

[@worldking3346]

@@nivasexcites thank you sir

[@devivijay7037]

Sir one time i visited the policy bazar for sip investment it is safe or not pls tell me sir otherwise i choose app which app is best for sip

[@nivasexcites]

Avoid onetime investment

[@prabhasag4513]

@@nivasexcites you mean online investment ? Reason pls

[@SR_Love1997VNB]

Tq bro for your review of term insurance policy 🙏🏻

[@nivasexcites]

Most welcome

[@dineshduke3308]

Death claim na which type death cover sir

[@nivasexcites]

Natural, accidental and death due to any disease.

[@nivasexcites]

Natural, accidental and death due to any disease.

[@dinakarankrishnamoorthy304]

Earn ippdi kullpam segreigal

[@nivasexcites]

What confusion?

[@karthikeyan1099]

Sir . During policy medical check up one customer has admitted that he drinks weekly but little amount ,may be 2-3 beers per week average .but slowly after few years his drinking habit has increased to a level like 5- 6 quarters per week and that has caused some medical problems in liver and ultimately died because of that in 10 years after policy purchase and has paid all premiums without fail till his death .in this case ,his claim can be accepted or rejected? Please suggest sir

[@nivasexcites]

If someone is having 2 to 3beers per week means he is not taking care about his health and his family's future, Those people will not apply for Insurance. Even if he applies and says he is having 2 to 3 beers per week, I don't think his health condition will be normal. But if his condition is normal, they will issue the policy. Its a Contract. If he increases then to 5 to 6 beers per week and he passes away, his claim has to be settled.

[@balajisubramanian1897]

Sir 1 crore policy LIC la available ?

[@nivasexcites]

Yes available

[@jbeetamil5881]

Insurance naalae scam than

[@nivasexcites]

No. Wrong understanding. Term insurance is good

[@CR-gq9qg]

Exide term insurance vangalama, now it's acquired by HDFC and premium is very less.

[@nivasexcites]

Yes you can take.

[@narayananlekshminarayanasa3217]

GO WITH LIC ONLY.OTHER TERM PLANS EXCLUDES 8 CONDITIONS LIKE TERROR EARTHQUAKES PSTUNAMI CYCLONE ETC TO REDUCE REINSURSNCE CHARGES