Definition of Fraud is a grey area & very subjective

@yshah84

Ай бұрын

@@PINKYinsuranceSolutionsFintech very true

@janmejaymohanty9454

29 күн бұрын

​@@PINKYinsuranceSolutionsFintech which KZread channel?

Great information, due to this new rule, insurance companies are not accepting new policies of people with PED.

Does the moratorium clause also applicable to the No claim bonus/ plus benefits & Secure benefits (in case of hdfc ergo). Please specify.

Very impressed with the content and presentation . Clear , concise and meaningful presented with a pleasant disposition . Thank you , Gurleen 🙏

Mam Moratorium existing policies me milegi ,kya group policies me bhi ye applicable hoga ?

I HAVE 50 LAKH HEALTH INSURANCE RECENTLY BOUGHT JUST 1 WEEK BACK 22 YRS OLD , AND I DONT WANT EVER TO CLAIM

@sureshv7724

10 күн бұрын

Jai Hindustan

Thank you madam. This is really good news and this information is really helpful for an insured person. Thanks again 😊

very informative... thanks

HI I need your Help. My claim got rejected stating non discolsure. Request you to please guide me.

Nice Info it will help to many people Thank You Gurleen Ji 🙏🙏

@GurleenKaurTikku

Ай бұрын

Glad 😊, keep watching !!

Great Video Mam. Pls keep making such videos 👍

What about existing Niva Bupa Reassure 2.0 Platinum? Please guide.

Madam, No claim bonus kaa moratorium?

Like everytime thank you for your guidance...now I am always updated with insurance things...🙏 Also shared with my group to follow you...

@GurleenKaurTikku

Ай бұрын

Thank you so much, keep watching & do Subscribe 😊

Mam kya hyper thyroid insurance cover nahi karte hain

Thank you for sharing valuable information

@GurleenKaurTikku

28 күн бұрын

Glad it was helpful!

Thanks For the Valuable Information Madam

@GurleenKaurTikku

Ай бұрын

Thanks a lot, keep watching !!

Does moratorium is applicable to completely new problem for eg u dint mention 'High BP' but u got spine surgery done ..which has got no relation with spine like BP related if ur treatment is done heart surgery or paralysis we understand.. so can they reject in this case also what if company itself has nt asked for proposal form and issued new premium who is responsible??

Previously moratorium period was 8 years so if any policy is purchased in 2020 and after 2028 any claim came so company will not reject claim because of non disclosure??

Well describe IRDAI rule..

@GurleenKaurTikku

Ай бұрын

Thanks a lot, keep watching !

mam pucha tha company se vo kehte new rules only new products pe applicable hai

My 1st Health Insurance Policy 2015 still active...

How about icici elevate plan

Will the insurance companies consider continuity of 5 years from the time this rule comes into effect ? or is this applicable to those who completed continuous 5 years of coverage already ?

❤ 0:13

Is the moratorium period applicable if we change the zone without informing the company?

Mam please make a video on health insurance for depression patients as PED I mean which companies are willing to offer insurance??

Hi Ma'am, Ye Moratorim Period Super-topup me v count hota hai kya ???

@GurleenKaurTikku

13 күн бұрын

Yes

*Hi Gurleen, thanks for a neat elaboration with examples on 'Moratorium'. Very useful video indeed for the viewers.*

@GurleenKaurTikku

Ай бұрын

Glad it was helpful! Keep watching & do Subscribe 😊

@devendranaidu3394

29 күн бұрын

If I have a policy with one company for 5 years, then I go to another company, new company won't be able to reject my claim from day 1 because of moratorium ?

@ibunlimited

29 күн бұрын

@@devendranaidu3394 Like all other 'benefits' or 'specific exclusions', et al, 'Moratorium benefit' will also enjoy retroactive effect, regardless of porting.

@GurleenKaurTikku

13 күн бұрын

The moratorium period will be carried forward with porting as per IRDAI guidelines

@devendranaidu3394

13 күн бұрын

@@GurleenKaurTikku tx u for clarifying 😊

Is it applicable for only new policies or also for the existing policy holders?

@senguptasentertainment8790

Ай бұрын

Yes for all deadline for insurance companies is 31.07.24

Mam my policy is only for 3 years, here agar may renew kar du after 3 years at the end of 5 years kya muja Claim milaga?

I have a question. I hope you will reply. I have a policy which is running from past 9 years and if i buy a separate policy from the same insurer for my son who will turn 18 this year. Than will get the moratorium benefit or it will be considered a new policy.

@drrouf-er2ft

Ай бұрын

It will be considered a new policy

Thank you very much ma'am 🙏

@GurleenKaurTikku

12 күн бұрын

Keep watching

Mam companies like Care health insurance is saying ki unhe abhi tak written mai IRDA ki y guidelines nhi mili h islye unke plans mai abhi bhi waiting period 4 years hai and moratorium period 8 years, Eg - Care Supreme Plan... Kya aap bta sakti hai ki sari company new guidelines k according plans kab tak launch kregi? So that new plans lene wale ko y benefits mil paye

@shivasai362

10 күн бұрын

augusts se applicable hote hai mostly

मेने चार साल पहले जो मेडिक्लेम लिया था तो उसे ये नया ५ साल वाला नियम लागू होगा ??? की ८ साल वाला नियम लागू होगा ????

This is tough question but IMPORTANT. Does new moratorium starts from year 2024 on-wards only?

@GurleenKaurTikku

13 күн бұрын

Yes

Thanks 👍

@GurleenKaurTikku

Ай бұрын

Thanks a lot, keep watching !!

Nice explanation

@GurleenKaurTikku

Ай бұрын

Thanks a lot, keep watching !!

Ma'am lets say I have a 3 year old policy and in last renewal i renewed the policy in grace period. will the policy be considered for reduced moratorium or not. I had to give declaration that 'There is no change in health status'

@acivt2532

27 күн бұрын

No problem with grace period (30 days). This is clearly mentioned in IRDAI document refered by Gurleen madam.

@acivt2532

27 күн бұрын

What is not clear - does moratorium applies for past years (BEFORE 2024)?

Kya mai jan sakta hu ki payment without break kya hota hai. Mai har saal premium time per de deta hun. 2017 ka health insurance hai. Sirf ek bar mai grace time me payment diya hu, kya isse break mana jayega. Please bataye.

@shamimahamed6850

13 күн бұрын

No

Madam agar main ye batana bhul gya tha 5 saal pehle ki ..I drink alcohol.....to kya mujhe after the moratorium period claim milega...?...kya insurance company claim deny karegi ?

@GurleenKaurTikku

Ай бұрын

yes, claim milega.

@entertainment4you409

Ай бұрын

​Maaf kariyega madam...mera poora question tha ki....agar main ye batana bhul gya ki ...i drink alcohol aur after moratorium period agar mujhe koi alcohol ki wjh se koi bimari ho jati hai​...jaise ki koi liver related bimari...to kya claim milega after 5 years.....please.madam answer....i am your great fan...you are doing excellent job about awareness of insurance @@GurleenKaurTikku

Medical insurance lene h konsa policy le please help me

@nileshsamdani6851

19 күн бұрын

Can i help u?

What's the moratorium period of term life insurance .

@TruthSeeker10250

Ай бұрын

2 years

Bliend person ko miljayegi kya health policy madem

@Amandeepsingh-qg6dd

Ай бұрын

Yes care freedom plan is available

Govt should launch a health savings scheme like kisan vikas Patra or national saving scheme etc with more interest rates than normal FD.

I can't get answers from you for my question

I am listening to this term 'MORATORIUM' for the first time. Please tell me whether this is a condition brought by IRDA. I am 70 and have a policy of 4 lakh then increases to 6 lakh from 2001. I have not submitted any claim till now. If i am hospitalized will i get benefit of 'M' .

@GurleenKaurTikku

13 күн бұрын

Yes, Moratorium is applicable

Have an odd question. I have insurance which includes my wife and my kid. I am the primary policyholder. if something happens to the primary policyholder, does that policy automatically treat my wife as the next primary policyholder? Does this have any effect on the subject you shared in this video?

@GurleenKaurTikku

13 күн бұрын

In this example, the spouse has to inform insurance company and member deletion will be done and she will be treated as primary policyholder Policy benefits including moratorium will remain as it is

@hnbright

11 күн бұрын

@@GurleenKaurTikku Got it. Thanks.

Medical claim kya sirf in patient ko hi milta hai. Please reply

@GurleenKaurTikku

13 күн бұрын

Yes, in patient hospitalisation is covered

Break up means how?. Suppose payment of renewal is done late within grace period, is it break..

@GurleenKaurTikku

13 күн бұрын

Break in means renewing after grace period

Is this also applicable after policy portability?

@GurleenKaurTikku

13 күн бұрын

Yes

Nice 👍

@GurleenKaurTikku

Ай бұрын

Thanks a lot, keep watching !

Hi Mam, how will this impact my policy. I had new India insurance policy since 2010. Following a massive premium hike last year I ported to Care in December 2023.

@therevolutionary523

24 күн бұрын

Sabse badi bewkoofi ki aapne apni life ki

If it is a port policy , will it be considered from the inception of the policy ,that is from where it has being ported or after porting it is 5 years in the porting insurance co, kindly clarify From ur explanation my understanding is that even previous co tenure will be counted in 5 years period But still clarify

@GurleenKaurTikku

13 күн бұрын

Yes, in portability also, moratorium benefit will be given since inception

How many days grace period is given by the insurance company??

@cricketwithAshu_j

28 күн бұрын

30 days in renewl of policy

Most Insurance companies are not following this regulation and we need to knock the insurance ombudsman doorsteps

Mera policy Care me hai. Date commence 2017.

now they will cover money by increasing premium.

Very complicated

@GurleenKaurTikku

28 күн бұрын

We have tried to simplify it as much as possible.

In spite of asking the PED only, there is a fraud...😅

Insurance companies will misuse the clause of fraud. This is a grey area. IRDAI is not clear who determines the fraud.

@AdityaSingh-iv9wz

29 күн бұрын

Then they will refer to GCA Act If a meaning in an Act is uncertain or not provided then General Clause Act shall be referred

Claim rejected for 8 years old policy stating non disclosure No break in insurance policy

@therevolutionary523

24 күн бұрын

Which company and which city and for which disease? What were the reason given by company

👍👍

@GurleenKaurTikku

Ай бұрын

Keep Watching !

Yeh konsa new clause he ?

@GurleenKaurTikku

13 күн бұрын

Old clause hi hai

Wow mem

@GurleenKaurTikku

12 күн бұрын

Thanks a lot !

NIVA BUPA moratorium period नही मानेगी। Reimbursement claim करके देख लीजिए।

@Yakridu_Anna

29 күн бұрын

Report to IRDAI with documentary evidence.

@shaileshmaheshwari3771

29 күн бұрын

@@Yakridu_Anna Do you know how IRDAI works ? They are meant for nothing. I have sent more than 600 mails to them with a pdf of all the documents, but sorry to write they dare to take the action against insurers as they remain highly obliged by them.

@annamalayadevi

28 күн бұрын

I was planning to take Niva Bupa now....My earlier was star health...which is a useless company.... should I go for niva Bupa?

@shaileshmaheshwari3771

28 күн бұрын

@@annamalayadevi Never or get ready to get rejected reimbursement claim if ever taken

@magicrecreatedmusically8405

27 күн бұрын

​​​@@annamalayadeviWe will guide you to buy the right insurance. Reach me.

Madam I want to get a health insurance for my mother, my mother is 70 years old, mother has pacemaker for four years. Now taking medicine for hypertension. Can I get any health insurance for mother? Which company's insurance premium will be lower madam? It would be great if you could give some suggestions please🙏🙏🙏

@ravijadhav2011

Ай бұрын

सर शायद आपको पॉलिसी नही मिलेगी

@utkarshkrishnajha3857

Ай бұрын

Care heart plan.. What's yr phone number

@veeranarayana

Ай бұрын

Contact star health cardiac plan 30 days coverage star cardiac issues below 70 years only no co payment

@gourabgorai4561

Ай бұрын

Ayushman Bharat ka card banaao

@user-eu7qv2jy7f

Ай бұрын

@@gourabgorai4561 kaise

Ma'am, If we migrate police to another plan in the same company without loosing the continuity, So, will the modatorium work?

@hnbright

23 күн бұрын

Yes. it will. She mentioned that in the video as well.

Ma'am, Iss video thoda bhari ho geya. Thoda easy language main 1 bar aur banate to jada achha hota !!!

Thanks for the English subtitles. Else, I don't understand anything in your video and not worth the view.

@GurleenKaurTikku

29 күн бұрын

Thank you, keep watching !

आपका video अधूरा है जब तक यह कुछ बातें clear ना हों: 1. आपने यह नही बताया कि moratorium period पहले की हुई policies पर भी घटकर 5 years हो गया है या अब जो नई policy ली जाएगी सिर्फ उनपर 5 years रहेगा। कृपया इसे स्पष्ट करे। 2. किसी policy का base sum insured 5 years में NCB मिलाकर 5 लाख का 25 lakhs हो जाता है तो moratorium period किस amount पर applicable होगा। इसे भी clear कीजिए। 3. अगर policy लेते समय कोई PED exclusion में डाल दी गईं है तो क्या वो disease भी 5 साल बाद cover मानी जाएगी। यह जानकारी देने से सभी viewers को बहुत अच्छे से सब clear हो जायेगा।

@GurleenKaurTikku

13 күн бұрын

1. It is currently on new policies and applicable to existing policies after renewal 2. It should be 25 lacs in this case, still Shall get clarity on this 3. Existing diseases are covered after waiting periods are over for PED

Magic

Fraud ko fraud😂😂😂