Health Insurance SCAMS in India 2024 | BEWARE 😱 | Real Life EXAMPLES | Gurleen Kaur Tikku
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- Опубліковано 12 січ 2024
- As the Health Insurance industry is growing , so is the Scams in the industry.
This is because of Mis-Selling & Mis-Buying of Insurance Products.
In this video, we have discussed a few Real Life Examples that we heard from many of our viewers on How they were scammed by Insurance agent & also by their own mistakes.
WATCH THE VIDEO FOR MORE DETAILS :)
To buy insurance policies, click here - hareepatti.com/contact-us/
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health insurance scams , health insurance 2024 , health insurance india , health insurance frauds , best health insurance , health insurance hidden discounts , health insurance portability , port health insurance policy , insurance fraud by agent , health insurance hindi , wrong medical information , insurance agent , health insurance agent , health insurance discounts , gurleen kaur tikku , financial advisor , hareepatti
#healthinsurance #scams #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. - Фільми й анімація
First case was incredible, helps in remembering, truth should be the only thing to share with our insurance company
Really helpful with the real life examples. Thanks for sharing.
Subscribed!
Glad it was helpful!
You are the best advisory special health insurance. Sahi baat hai health insurance ek bus me bikta hua pain killer oil ni ju tum khirodge or aap dihk ho jaoge.
videos are worth to watch...mam if some one suffree TB of lympnodes & taken proper medication & recovered if he discloses it before policy making , would insurance company provides him insurance rejects..pls let me know as in any case of ur policy made with happened..did any of ur client got policy despite disclosing pre existing cronic earlier decese..?.& what are the ways policy maker finds that insured has had pre existing hospitalisation or decease
बहुत ही अच्छा आपने explain किया, thx
Thank you jee, keep watching !
Mam , my son had to go with open heart surgery when he was 20days old dec of TGA issue by birth, now he is 10 year old perfectly fine but when i checked for takjng his health policy it was suggested cannot be given .. can yoj please suggest an option here ..
Thank you for spreading awareness ❤️
Thanks a lot, keep watching !
Thanks for Informative Video Madam.. I have One-- If I have to port from Company X to Company Y, then is it mandatory to renew 45 days before from next due date of Policy of Comp. X?
Thank you mam aap bahut acche se Jankari deti hain aap bahut Achcha kam kar rahi hai mam bahut bahut dhanyvad mam
Thanks for the very informative and real incident information.
Thank you jee, keep watching !
I took a group insurance and added my new born son which says covered from day 1 but later they refused coverage saying its cognital. Understanding the wordings of health insurance especially whats covered and what's not is very difficult.
Eye opening video thank you!
Glad it was helpful!
Do we need yo share medicine if we are taking like health supplements
"There is no misselling, only misbuying."
While I applaud you for all the info you provide, this is gaslighting of the highest order. Yes, it is our responsibility to ensure we buy the right product with all appropriate disclosures. However, a lot of buyers depend on agents for understanding their policy. Mis-selling does happen.
Agreed.
Thanks Medm
Its continuo. ...
Staying in zone 2, shall i take policy in zone 1? For my parents as they will move after 4 years in zone 1
Madam maine apne 36 years ke life me < 10 times alcohol ka consumption kiya hai mocktails aur lower proportion me. Kya yeh mujhe batana chahiye as a self disclosure while filling the proposal form.
Mam agr mujhe kaf cold or fever ho tuo kya yeh policy mai cover hoga ya nh. Pls batana.
Dear Maam,
Tata AIA se maine Term Insurance liya tha. Sab information dene ke baad unhone fraud kiya.
Mujhse pehli premium ke naam pe 8000Rs le liye. Ab wapas hi nahi de rahe. Kai baar complain karne ke baad bhi kuch nahi ho raha.
I don't know who to ask.
Who to go
What if you are traveling and due to emergency you have to hospitise in this case insurance will be granted????
Very good information.Share best insurance 2024
Thank you jee & yes, we will be bringing up a video soon.
Madam ek company se dusre company me health insurance port karana thik hai kirpaya eska jawab jald den mai port 2 din pahle Kara rakha hoon ,cancel to karane ka time abhi hai na , kirpaya jald jawab den.thanks
Awesome info.God bless u
Thanks a lot, keep watching !
We are currently living in zone 3(Mangalore) and hence paying zone 3 premium for star assure. Our policy is due for renewal now and we have now shifted to zone 2(Bangalore).
But our ID proofs are from zone 3 address. Both the residences are own houses. We do not want to change the premanant address on the IDs. (address proofs).
How to renew the policy with respect to zone? How can we take treatment in zone2 without having valid address proof in zone 2?
Shall I buy policy directly from company or through some online intermediary? What difference it makes? Pls reply. Thank you.
If she is Migrating to another company with increasing their sum assured than they need to mention about that operation otherwise not needed.
In this case if they're buying new policy no need to mention anything since she didnt underwent any surgical opertaion.
What is better - to purchase policy - from agent or directly from company?? Is there any benefit in services if we choose agent ?
Very nice information thank you madam
Thank you jee, keep watching 😊
Mdm, Mera health insurance policy abhi 1yr hone wale hai and before 3 years mera Jaundice hua tha , lekin mera eisi kuch v serious nahi aye the . Mei policy lete time batana bhul gya to kya mei renewal time me bata sakti hu kya ..
Mene Manipal Cigna ki Lifetime health family (husband 30, wife29)floater policy liya premium 16325/- annual.
U r good person Madan. God bless u
So best policy konsa hay ?
Mdm namaste. Pl guide me. Meri ek med health policy thi niva Bupa 3 yrs chali Hui, is sal Maine port kr k care me shift kr li. I m 53 yrs. Policy lene k 2 month bad mai admit hua due diabetes. Jab claim bheja to reject ho gaya. Ye policy Maine online Li thi. Maine us mdm ko bataya tha ki mujhe diabetes, thyroid aur BP hai. Usne Bp add nhi Kiya tha. Ab mera main treatment to diabetes ka hua aur us time mera minor bp badha hua tha . Company ne ye kah kr reject kr diya ki aapne bp nhi bataya tha. Mera policy form us mdm ne bhara tha kyu ki mere pas laptop or desktop nhi tha to mere smart phone se problem AA rahi thi to unhone kaha ki mai bhar deti hu. Aur ab mai bahut pareshan ho gaya hu. Please koi solution hai to bataye.
Mem i am govt employees i have health insurance by government but ye cashless nahi h. reimbursement karan padta h. Pl suggest good cash less health insurance plan my age 51year
Thank you for such information
Thanks a lot, keep watching !
Health insurance, term lena hai kya nahi. Lena hai to best health and term insurance konsa hai batato
Thanks for such useful tips
Keep watching !
Madam do we need to intimate Insurance co. about any disease (which is also listed under specific period) detected after taking the policy or at the time of renewal?
For that you need to understand that claim which was not processed by Insurance company was mentioned as PED (Pre - Existing Disease) in policy documents.
Assuming disease you mentioned is slow growing disease which took expiry of specific period to get covered in policy.
You should mention that to insurance company as soon as possible because it'll for sure mentioned as PED and require more time to get covered in policy.
Also,
Explain insurer clearly that, that disease was detected only after taking up policy.
+
If your insurer provide addon to cover PED in lesser time than take that addon to take coverage as early as possible.
I want to ask if I port my HDFC Restore Optima plan to Star Health Comprehensive...coz HDFC Ergo premium is hiring day by day.. please suggest
Hdfc is much better...
Thanks for sharing information
Thank you jee, keep watching !
This is also done with my customer but I warn to hospital and client for this.
Living in other zones can we take medical facilities in zone 1
Please provide review about digit health insurance
@GurleenKaurTikku one question if I take a policy with room rent as 5K and don not use it and I get a No claim bonus and the sum insured amount will also increase lets say 100%(I know it will take 3/4 years to double) for example so next year my room rent will be 10K or will it be 5K only as base policy which I got at start had 5k room rent?. If it's room rent next year is 10k then I can claim all the list you showed in video right? -- Anyone can also ans this
Do we need to decide the zone based on current city? Or based on permanent City?
Wherever you have the valid address proof for.
Informative
Meri Age 47 yrs.wife 35yrs.son 7yrs.yearly 10000--15000 health insurance premium de Sakte hain!BASE+Super top up kon sa plan BEST HAI &KIS COMPANY KA ? Please suggest me.
Hello jee, please connect with us on WhatsApp/Call at 9650706699 . Our team can assist you with a few suitable options !
Niva boopa ko poore documents hard copy file kar diye 20 time noida office ja chuka hoon , dr Nidhi and dr Monika ne sirf wade kiye but mila kuch bhi nahi, jawab mila court jao, health insurance ka kya faeda sab fraud hai
I am having star comprehensive policy from 2019. I am diagnosed with hypertension in 2021. I don't have any pre-existing disease before taking policy. I informed star health customer care before renewal of my policy that I am diagnosed with hypertension recently,whether I need to disclose it. They told it is not necessary as I acquired this condition after inception of the policy. Kindly reply whether I may have to face any problems in future
Ideally you should not face any problem as you have acquired the disease 2 year after taking the policy.
Very nice explanation Madam...
Now I have one doubt....If I take policy in (non metro city) residing zone, whether I am eligible to take treatment in other metro city zone network hospitals? Please clarify.
Yes you are eligible. But you will have to bear a certain proportion of claim
Yes, you are eligible for claims. But some insurers impose a co-pay of 10% to 20% in such situations. Do check the policy wordings.
Not mis buying, Mis selling, Hoti hai Agent are the real culprit . - Victim anyways informative video
Acko health insurance k bare mein apki rai kya hai ? Unka platinum plan Lena chayiea ?
We don't have any first hand experience with the brand on Health Insurance so can't comment.
Kindly do your own due diligence before buying health Insurance
I have taken term plan in max life insurance. During document submission they had asked for class X th certificate which I don’t have . And I did not submit. But any how the agent made my term plan yearly 40k without class Xth certificate. So I m having a doubt now that in future if in case something happened to me , my family may get problem because of class X th certificate which I didn’t submit.please any advice regarding this
No nothing will happen 😂
Maam Network hospital list kha se milegi West Bengal me iss insurance companies ka?
Hello ma'am i want to take maternity plan but little bit confuse...that should i buy or not
Please guide
Please check our detailed video : ua-cam.com/video/HUueuYA6wxE/v-deo.htmlsi=zoRnJwGWT3Apx07Y
For any queries, we are available on WhatsApp/Call at 9650706699 . Our team can assist you !
mam main 70% orthopedic handicapped person hu aur 1 saal pahle gall bladder ka operation kraya hoon.
kya mujhe term insurance mil skta hai ?
Handicapped ko bhut muskil se milta h
Can you please suggest how is Manipal Cigna Life time health insurance policy with sum assured of rs. 50 Lakh?
Agar hum Policy upgrade karte hai same company mein toh koi capping toh nahi hoti or iska koi nuksaan toh nahi?
Nahi
Aajkal kisi bhi hospital mein jaao doctor bimari se pehle ye hi poonchta hai aapke paas health insurance hai
True
😂
True
Insurance hai bata ke bhi phas sakte hai
True 😂
This is case of portability..one is having HI with X company..at start no PEDs..but in between he developed..While porting to Y weather it is considered PED for new company and he has to wait for 3/4 years?..or will he get continuity benefit with loading alone?.. Someone says we are Not taking Allopathy treatment but had Ayurvedic treatment , but that too We stopped.. Are all these cases comes under PEDs..please tell how to handle..
If you have any condition for which you are taking medicine, weather allopathy or ayuvedic, it can come under PED. You get continuity benefits on PED waiting periods if you port you policy form one insurer to another. But then if you have got PED, posting itself could be difficult.
Maam hum health insurance lete apne ko financially protection k liye but jab reviews dekha hoo insurance companies k to negative reviews bhare hote aur phir confussion hota h kon sa le kon nhii. Which is better hdfc ergo optima secure aur aditya birla health fit plus in term of claim settlement and dono same hi product h feature wise.
For Health insurance you should read policy wording carefully.
Your focus should be on following points:-
1st Network Hospitals
2nd Claim Settlement Ratio
3rd Co-Payment
4th Room rent capping
5th Pre and Post hospitalization coverage
6th Day Care treatment
7th Whether it covered Modern Treatment or not (Robotic surgery)
8th Waiting period for PED , Slow growing disease etc
9th base coverage
before buying any policy you should compare companies policy. You may compare it using online platform like policybazar.
At present i believe NIVA bhupa aspire Gold + plan is good however you may go for other companies.
Hdfc is better than aditya birla my aditya birla claim gets rejected saying that there was no need of admitting i have given 2 md doctors reference letter that it was need to admit but then also it was rejected
Thank you mam for sharing such life experiences 😂
Keep Watching !
A question -
If we bought policy with our current and parmanent address and then in future if we move to a higher zone metro city for Job / study purpose, what happens in this case when we avail treatment in metro cities?
When you move to a different city or location, it's important to inform your insurance provider about the change in your address. The insurance policy may need to be updated to reflect your new permanent address. Failure to update this information could lead to complications when availing treatment in the new location.
If the new location is not covered in the network, you may still be eligible for reimbursement of medical expenses incurred at non-network hospitals. However, it's crucial to review the terms and conditions of your specific policy, as coverage can vary.
Always communicate any changes in your personal information, including address, to your insurance provider promptly. This ensures that your policy remains valid and that you can receive the necessary coverage, especially when seeking medical treatment in a new city.
@@saikatmondal5234 thank you,
What if I have a policy with my address but I want to get a treatment in a metro city which is in zone 1?
@@malatesh_Aihole If your health insurance policy is registered with your current address but you seek treatment in a metro city falling under zone 1, you should review your policy's network hospitals. Check if the metro city hospital is part of your insurer's network to avail of cashless facilities. If it's within the network, you can typically proceed with cashless treatment. If the hospital is outside the network, you may still receive reimbursement for medical expenses, subject to the terms of your policy. Ensure you communicate any address or treatment location changes to your insurer for a smooth and effective claims process.
@@saikatmondal5234 thank you
@@malatesh_Aihole Look you'll get insurance coverage in entire India.
However you should note that details in your Govt documents ( like address , name , age) and in your policy documents must be same.
If their is any change than you should intimate to your insurer as soon as possible.
Recently I faced issues with HDFC Ergo optima restore. It is clearly mentioned in the policy that there is no capping on room rent /room type hence I chose room with room rent 20k. I filed cashless claim with the hospital. When cashless was approved, I came to know that HDFC Ergo had an MOU with the hospital that it will pay only for starting level single AC room i.e. around 5000. I paid whole amount to the hospital and now have filed for reimbursement. Very few you tubers discuss this point of MOU between hospital and insurance company for cashless claim.
Labourlawadvisor did mention about this mou, I hope you get your reimbursement soon
Didn't the tpa or hospital billing section not tell you about this while you were opting for the room
@@anuragsinghmeri told me after last settlement mail from HDFC ERGO. After suggestion from TPA, cancelled request for cashless, paid complete bill and now I have filed for reimbursement.
So, From this year onwards MOU for room has been done by a lot of companies, this is for cashless.
And the hospitals do inform in advance about the eligibility and their
arrangement with the insurance company if it is other than your policy eligibility.
IRDAI is also standardising lot of things and you will see something on room rent as well in future.
Update : Reimbursement claim got approved within 2 days that too on public holiday and Sat/Sun. Received more than 97% of the claim. Happy at last.
Thku mam
Misguide leads to misbuying which at the end the customer will pay. Insurance is there to loot people as their staff are there to find a flaw in what is declared and what is being claimed.
very useful video
Well said
Thank you jee, keep watching !
Madam i took Care Health Insurance and they are not even giving a proper free health checkup ?This case afraid even they will reject if any claims ?
Please check the terms and conditions of health checkup with them
India me free education and free medical treatment must hona chahiye..!!
Yes
in india unfortunately its all scams.
Aur tax zero hona chaheye. Muftkhor baithe hay yha sabhi
Hello Gurleen Maam
I incurred an expense of INR 18K on teenage daughter hospitalisation for 4 days. My claim was outright rejected by the health insurance company citing that hospitalisation was unneccesary.
Filed complaint with ombudsman and after 3 months i got mail from the ccompny to settle the matter for 10k. They are demanding that I give in writing on email with cc to ombudsman that i have withdrawn my complaint. The company official said that payment will be made after 10 days sending the email.
What should be done. What is the reliability of heaalth insurance companies giving the claim. Can they go back on their word after my withdrawal of complaint.
Which company is this?
Why nivabupa company 5 lakhs port not available
hello mam mujhe covid hua tha uske Baad mujhe auto immune disease hua jo 2021 se hai or auto immune k karan Rheumatoid arthritis hau hai jis ki medicine abhi bhi chal rahi hai ye sari baate maine HDFC ERGO HEALTH INSURANCE liya tha jo reject ho gaya essa kyu? please thoda guide kare
Apply to other insurance company
Mujhe ulcerative colitis h ky mujhe health insurance mil skta h
At the age of 10 or 12 mere ko anemia hua tha..
Viral fever to ek do sal me ek bar ho hi jata h
And typhoid bhi hua h ek bar around 14 - 15 years ka tha jb mai
Abhi 25 ka hu to, ye sb bhi btane ki disclose krne ki jroort h
Ha
Claim kaise liya jata hai mere ko pata hi nhi hai lekin health insurance le liya
Hi tikku jee..bahut badhiya
Thank you jee, keep watching !
@@GurleenKaurTikku sure nice explanation mam
Thank you Mam
Keep watching !
Icici lombard ka health insurance kaisa hai???Can someone advise me.
Hello jee, For any queries on Health Insurance or for any guidance to buy the plan : connect with us on WhatsApp/Call at 9650706699.
Our team can assist you !
Mam please make a video on less PED IN HEALTH INSURANCE
Hi, Please check this video for more details : ua-cam.com/video/bCZXtH3oJTY/v-deo.htmlsi=GrKT4akOSTutY_oW
प्रदत्त गलत सूचना को संशोधित कैसे करें?
Thank you
Keep Watching !
Ma’am Aditya Birla Activ one health insurance policy kaise hain please details review dijiye
sure, we will bring up a video soon !!
KEEP WATCHING 😊
Hello Mam can we migrate company policy into retail and whats process and timeline pls.
You will have to check with insurance company, it should be 30 days
Madam my wife was admitted due to dengue doctors reference was to get admitt as she had vomiting and losemotion but at the time of claim it was rejected saying that there was no need of admitting mediclaim teem was giving me the guidelines that the patient report was normal but according to doctors it was necessary for patients to get admitted now what is my fault pls suggest me
You have First doctor consultation and refer by doctor for hospital
@@hdfcergo5426 yes both doctors reference letter was submitted
The age of my wife is less than me and she is housewife. If I take mediclaim in her name as primary and add me as secondary the premium would be less. Should I do it or avoid?
premium always calculated by aged person only
Not possible. Elder person's age is always considered.
Thanks
Keep watching !
During pregnancy does health insurance can be port from one insurer to another?
No
Superb information mam🙏🙏
Thanks a lot, keep watching !
Suer mam👍
Good information
Thanks a lot, keep watching !
agar aapke pas insurance policy hai to hospital double tripple charge karte hai..
Niva bupa reabusment claim me muje rs 40000 nhi diya muje Mera 6 yeas old medical hai
Really helpful
Thank you jee, keep watching !
@@GurleenKaurTikku I want to take health insurance for my mother,, how may I contact you for help
Excellent
Thank you so much 😀
Mam, zone 2 vala condidate zone 1 k hospitals me treatment le sakta h ya nhi??
Yes but in some insurance companies
I want to buy health insurance which one to buy . Suggest me ...
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.
Keep Watching !
Awesome
Thank you , keep watching !
Point not clear... Hw company wl com 2 knw that I had deseasd
Koi bhi policy Direct company ke agent se le yea fir policy bazar se le ?
We can't comment on any online intermediary but as an experience insurance agent we can only comment on our services. You can check with our team for any assistance in buying insurance on WhatsApp/Call at 9650706699.
If we share medical report to insurance companies then can we get honest premium
Premium may vary based on risk
Do we have to inform insurance company any medical condition arises after purchase of policy. Should we have to inform them at the time of renewal?
No, but it's important to keep the first prescriptions & reports of the disease diagnosed as a proof that the medical condition happened after buying the policy