बहुत ही सरल भाषा में explain किया आपने धन्यवाद। आप एक बात और बताएं कि अगर कोई झूठ बोल कर अपनी लिमिट से ज्यादा sumassured ammount का term insurance ले ले और एक ही नही बल्कि 2- 3 कंपनी से ले ले तो क्या 3 साल के बाद misshapning होने पर सभी कंपनियां उसे क्लेम का पैसा देगी
Insurance technical Best Compare to others insurance channel , because they teach us with his example and live example. And other insurance channels don't have quality to describe fully understand . Thanks & Regards Lakhan Singh Tomar
So finally you made a video on this topic, thank you. Pls let us know if the "Exclusions'' are clearly mentioned in the policy documents or not? Do term companies clearly mention in their documents that the claim will b rejected in so and so case ? Yaa phir ye baatein ghuma phira kar likhi hoti hai?
सर आपका समझाने का तरीका बहुत ही अच्छा है।मैंने 6000 अर्धवार्षिक किश्त पर 250000 SA का 35 वर्ष के लिए जीवन सरल बीमा ले रखा है। 7 वर्ष पूरे हो चुके है। अगर 10 साल की अवधि पूर्ण होने पर बंद करता हूं तो मुझे कितना लाभ मिलेगा। विस्तार से जानकारी दें। धन्यवाद
Aapne jitne years ke leye policy le hai utne varsh tak chalayen bahut aacha return milega. Yadi policy bich me band karenge to bahut nuksan hoga. Us leye policy band karne ka khayal dimag se nikal degeye.
sir I'm in final year graduate and I have hdfc life 3D protection term plan as preapproved offer on my previous salary account. I have to select as graduate to complete application insurance should I select as graduate ? as I will complete my graduation in 2021?
Policy lete wqkt usko sharab pine ki aadat nhi hoti, but after 3 year o sharab pine lagta hai aur badme uski death Hoti hai to section 45 ke tehat cliam milega kya
Sir term & accidental insurance ka kya difference hai? Agr main lic ka term insurance leta hu. Main firebrigate main job karte hu. Fire incident ka doharan death hota hai. To mera nominee ko coverage mileage?
Mere Client ka age policy lete time 36 jabki nominee (jo uski beti h) ka age us time 25 thi . Mother-daughter me age difference only 11 years h....esse claim time koi problem hogi kya ?
Sir agar policy issue hone ke baad accidental death ho jaaye toh claim mile gya ya phir reject karde or agar hum drink bhi karte ha par proposal form mei mention nhi kiya ha toh kya claim rejected ho jaaye gya
Meri lic ki 4 policy chal rahi thi fir mene term insurance 2017 me liya tab form me 1 policy show karna reh gaya agent se to kya claim k time dikkat ho sakti hai?
Income ke kitne times tak ka claim approve kiya ja sakta hai (including normal insurance + term insurance) in case over insured kara liya hai toh? please reply.....
Pls tell me whether I can check what information I had filled at the time of taking policy?. Also tell me whether I can update/change my previous declaration or not. Thanks
Very good my dear sir u r great.. But mene to suna tha sir police bazaar.com par costomer care me baat karne par pata chala tha ki.. 3 saal ke baad chache kaise bhi deat ho aur apne chache kuch bhi proposal form me bhara hua ho apko claim milega 100% is that true aur not plz make a vedio about it.. plz plz plz plz ais akuch rule hai wo bata rahe the govt. Ka.. sabhi police company is rule ko follow karti hai baat rahe hai ki 3 saal baad sab claim settle ho jatey hai kisi bhi deat me.. so plz plz plz make a vedio about it.. its a big request to u .. and plz mujhe pata hai aap iske baare me sab information hume denge ache se
Sir If I buy online term plan, what is the procedure to claim the amount by nominee like what are the documents needed online policy is it eligible to claim in any branch office of lic
Sir mene apni mother ki ek 936 no policy le hui hai. 3L ki nominee mai hu. Mere documents mai father sir name nahi hai. But mother ke documents mai W/O mai sir name hai. To kya agar claim lena pada to koi problem ho sakti hai. Please reply
Isme problem nahi honi chaheye but, father ka name documents me sahi hona chaheye otherwise aaoko future me problems hongi so isko correct zaroor kara lein.
Hlo sir mera father ne hdfc canra obc sa 26.3.21 ko policy li or 26.4.21 ko covid sa death ho gyi sabhi verification hone pr claim octbr ma reject kr diya humari income 42 lakh per year dikha kr kya ye bhi koi reason h claim reject hone ka sir plzz reply mi bhot presan hu
Sir mere cousin ke father expire ho gaye h to usne lic claimant form fill krte time usme dots laga diya h kyki us form pr dots nhi lagana tha likha thaab us form pr gagited officer ke bhi signature ho gaye h to ab kya wo form regect ho jaye gaa kya
Sir Ji namskar Mera ye prshn hai ki agar koi policy lete wakt non smoker batata hai or uska nicotine report bhi nil aata hai or 3/4 saal ke bad ho somker hota hain to Kya usko cliame mil Sakta hai
@@InsuranceTechnical brother please make a vedio how insurance companies will earn with clean and clear explanation think na way day's many companies giving upto 99 years coverage soo their should pay 100% to clients then how their earn 🤔🤔
अगर सर उस व्यक्ति ने पालिसी लेते समय उसके कंपनी ने उस व्यक्ति का मेडिकल कराया और उसमें उसे कोई बीमारी नही निकली और 1-2 साल बाद उस व्यक्ति को किसी बीमारी से उसकी मौत हो जाती है तो क्या कंपनी claim क्लेम देगी क्या
Ji ha bilkul claim milega. But policy lete time uski Sari Term and Conditions accha se pdh Lena. Thanks and Regards Rahul Shukla Unit Manager ICICI Prudential 9999063120
कया 6 साल 3महीने तक प्रिमियम भरा हो और दो बार पोलीशी बंद हुंयी थी लेकीन चालुं करवायी थी और पोलिशी चालुंथी तभी मेरे जिजाजी गुंजर गये तो अब कलेम मिलेगा या फीर एआईसी वाले खाली छान बिन करके कलेम रिजेक्ट कर देंगे बताना भाई मिलेगा कलेम या नही 2लाख का सवाल है भाई हमने 50000तो प्रिमयम दिया है अभी तक
Excellent video sir.. I have taken a term insurance policy from icici pru life but I didn't mention my existing lic jeevan anand policy in term insurance proposal form as the agent told me not to mention this. Will it make any problem during claim?? Wheather I will continue with it or write to company to amend it or switch over to some other term insurance??? Please reply sir..
सर अगर किसी व्यक्ति ने smoking के बारे में जानकारी नहीं दी हो कंपनी को अगर वह व्यक्ति स्मोकिंग से उसकी मौत नही होती है तो क्या कंपनी claimनही देगी क्या
Sir spouse koi policy lete samay kisi tarah ka tambaqu sevan nahi karta he lekin uske 1 ya 2 sal bad use kisi tarah ki tambaqu sevan ki aadat ho jati he
Sir. please Miri questions ka answer Dina please sir m paramilitary forces CRPF mi job krta hu m trum insurance plan Lic amulya Jeevan trum insurance plan li Sakta Hu kya please answer
Sir mere dost ne suicide kiya hai, policy sirf 9 month hua hai,lekin primium 15 years ka liya hai,chuki yah policy loan ke against liya gaya hai.hum log chahte hai ye claim mile.please help us
Lic ki policy me kitne din se agr premium na diya ho usko dis continue maan liya jada h .agr humare ko accidental death ka claim lena ho.kyuki humara claim reject kr diya bola ki apka grace period khtm ho gya h
mere father last year expire ho gaye hamare 4 policy the sabka total assured amt 4lakh ho ra hai meri mom bhi nahi hai aur meri mom hi nominee thi ab mujhe sare claim settle karne hai koi pleasee bata do mai kya kar sakta hoon
बहुत ही सरल भाषा में explain किया आपने धन्यवाद।
आप एक बात और बताएं कि अगर कोई झूठ बोल कर अपनी लिमिट से ज्यादा sumassured ammount का term insurance ले ले और एक ही नही बल्कि 2- 3 कंपनी से ले ले तो क्या 3 साल के बाद misshapning होने पर सभी कंपनियां उसे क्लेम का पैसा देगी
आपके द्वारा दी जाने वाली LIC वीडियो prasentasan बहुत स्पष्ट शानदार है thanks you technical insurance channel.
Insurance technical Best Compare to others insurance channel , because they teach us with his example and live example. And other insurance channels don't have quality to describe fully understand .
Thanks & Regards
Lakhan Singh Tomar
Apki jankaari sabse achhi hai ,mene kayi vedeo dekhe kisi ne achha nahi bataya tha
Bahut fact bolte ho yar Dil khush kardiya guru
So finally you made a video on this topic, thank you.
Pls let us know if the "Exclusions'' are clearly mentioned in the policy documents or not? Do term companies clearly mention in their documents that the claim will b rejected in so and so case ? Yaa phir ye baatein ghuma phira kar likhi hoti hai?
Sure, Thanks..
सर आपका समझाने का तरीका बहुत ही अच्छा है।मैंने 6000 अर्धवार्षिक किश्त पर 250000 SA का 35 वर्ष के लिए जीवन सरल बीमा ले रखा है। 7 वर्ष पूरे हो चुके है। अगर 10 साल की अवधि पूर्ण होने पर बंद करता हूं तो मुझे कितना लाभ मिलेगा। विस्तार से जानकारी दें। धन्यवाद
Aapne jitne years ke leye policy le hai utne varsh tak chalayen bahut aacha return milega. Yadi policy bich me band karenge to bahut nuksan hoga. Us leye policy band karne ka khayal dimag se nikal degeye.
Thankyou sir
Kya term insurance lete time saral beema ki jankari dena jaroori hai
Yes, sabhi life insurance policy ki jankari deni chaheye.
सर एक वीडियो lic tech term insurance का ओनलाईन खरीदने का बनाये ताकि क्या क्या सूचना भरनी है और क्या नहीं भरनी इसकी पूरी जानकारी हो
sir I'm in final year graduate and I have hdfc life 3D protection term plan as preapproved offer on my previous salary account.
I have to select as graduate to complete application insurance should I select as graduate ?
as I will complete my graduation in 2021?
Sir yadi lic policy chal rahi or cutmer policy plan chanj karbana chata he to regular policy me plan chenj ho jayga
Very very nice video brother....... clearly explained ..... fantastic
Policy lete wqkt usko sharab pine ki aadat nhi hoti, but after 3 year o sharab pine lagta hai aur badme uski death Hoti hai to section 45 ke tehat cliam milega kya
Sir G Pranam, kaun kaun si death ko term insurance cover hota hai. Particularly and clearly bataiyega.. 🙏 please sir......
Watch this Video
ua-cam.com/video/hWDDzA_Zvck/v-deo.html
बहुत अच्छा हैं
3 saal ke baad claim setelment karna mandetery* hai
Chaahe condition kuchh bhi ho
Sir term & accidental insurance ka kya difference hai?
Agr main lic ka term insurance leta hu. Main firebrigate main job karte hu. Fire incident ka doharan death hota hai. To mera nominee ko coverage mileage?
Mere Client ka age policy lete time 36 jabki nominee (jo uski beti h) ka age us time 25 thi . Mother-daughter me age difference only 11 years h....esse claim time koi problem hogi kya ?
Sir agar policy issue hone ke baad accidental death ho jaaye toh claim mile gya ya phir reject karde or agar hum drink bhi karte ha par proposal form mei mention nhi kiya ha toh kya claim rejected ho jaaye gya
Sir mera term plan ko 3 saal se jyada ho Gaye hai kya insurance company abhi bhi uska claim reject kar sakati hai
Jeewan Umang (Table no. 945) me bond paper milne ke bad term rider add karwa sakte h ?
Sir maximum kitna sum assured le ki Death claim asani Se mil jae. Plz tell sir plz 🙏🙏
कृपया गरीबी रेखा से नीचे वालों के लिए हर तरह की इन्सुरेंस पालिसी बताये, term, mediclaim भी।
You are amazing buddy, bahut ache se samjhate ho
Meri lic ki 4 policy chal rahi thi fir mene term insurance 2017 me liya tab form me 1 policy show karna reh gaya agent se to kya claim k time dikkat ho sakti hai?
Income ke kitne times tak ka claim approve kiya ja sakta hai (including normal insurance + term insurance) in case over insured kara liya hai toh? please reply.....
Good video sir
Existing insurance nhi disclose kiya to claim nhi milega kya. Claim nhi mila to uski amount refund krte kya. Pla
very useful information
Pls tell me whether I can check what information I had filled at the time of taking policy?. Also tell me whether I can update/change my previous declaration or not. Thanks
Ģ
Very good my dear sir u r great..
But mene to suna tha sir police bazaar.com par costomer care me baat karne par pata chala tha ki.. 3 saal ke baad chache kaise bhi deat ho aur apne chache kuch bhi proposal form me bhara hua ho apko claim milega 100% is that true aur not plz make a vedio about it.. plz plz plz plz ais akuch rule hai wo bata rahe the govt. Ka.. sabhi police company is rule ko follow karti hai baat rahe hai ki 3 saal baad sab claim settle ho jatey hai kisi bhi deat me.. so plz plz plz make a vedio about it.. its a big request to u .. and plz mujhe pata hai aap iske baare me sab information hume denge ache se
Sir If I buy online term plan, what is the procedure to claim the amount by nominee like what are the documents needed online policy is it eligible to claim in any branch office of lic
Sir mene apni mother ki ek 936 no policy le hui hai. 3L ki nominee mai hu. Mere documents mai father sir name nahi hai. But mother ke documents mai W/O mai sir name hai. To kya agar claim lena pada to koi problem ho sakti hai. Please reply
Isme problem nahi honi chaheye but, father ka name documents me sahi hona chaheye otherwise aaoko future me problems hongi so isko correct zaroor kara lein.
Hlo sir mera father ne hdfc canra obc sa 26.3.21 ko policy li or 26.4.21 ko covid sa death ho gyi sabhi verification hone pr claim octbr ma reject kr diya humari income 42 lakh per year dikha kr kya ye bhi koi reason h claim reject hone ka sir plzz reply mi bhot presan hu
Sir mere cousin ke father expire ho gaye h to usne lic claimant form fill krte time usme dots laga diya h kyki us form pr dots nhi lagana tha likha thaab us form pr gagited officer ke bhi signature ho gaye h to ab kya wo form regect ho jaye gaa kya
Section 45 k under...3 saal k baad... claim deta mandatory hai....sir...
Sir You are too good. God bless you.
But term insurance nikalne ke timr koi smoker na ho but agle 5 saal baad wo smoker ban jaye to kya kare
nice video sir ji
सर हमारा PA क्लेम icici lombardne reject किया है. औंर HDFC ERGO ने दिया है.. इसमे अप कूच help कर्सकते है हो.
Sir Ji namskar Mera ye prshn hai ki agar koi policy lete wakt non smoker batata hai or uska nicotine report bhi nil aata hai or 3/4 saal ke bad ho somker hota hain to Kya usko cliame mil Sakta hai
Thanks sir Please make video soucaeid dath claim
Kya ek policy ko lene ke bad same policy dusari le sakte h
Sir
Bank account Detail jo fill kiya jata hai . Kya bank account ditail change kar sakte hai?
Usefull information thank u sir
Nice info 👍,
please make video on lic claim process and documents required 🙏
Sure, Thanks
Kiss type ka death per claim nahi hota h pls. Bataye
Thanks so very much for your help
Acchi Information, thanks
Agar koi bike accident ke Karan mar jata Hain.. bt usne helmet na pehna ho .. is tarah ki condition mein LIC claim deti hay yah reject kar deti hay?
sir ek sawal clam m agar nomini insurance wale ko orignal doctor ki file death hone k bad m dikaye jo nomini ko pata nahi to kya hoga
Nominee me bound relation compulsory he????
Brother you helped many Life by your vedio 🙏🙏🙏🙏 thanks bro... 👌💕
Many thanks for your kind words
@@InsuranceTechnical brother please make a vedio how insurance companies will earn with clean and clear explanation think na way day's many companies giving upto 99 years coverage soo their should pay 100% to clients then how their earn 🤔🤔
Super sir, great information
Thanks..
Meri policy me address me thodi mistake hai usse problam aati hai kya kuch .. Address sahi hai sirf pincode galat hai
Sir agar koi bat chupata hai and do sal bad claim hota. Hai aur inquiry mai pta chalta hai to claim milega ya nhi
Nahi
Kya Policy lene se Pehle apna helth checkup karwa lena chahiye
Yes
Pls share type of death condition not covered in term insurance excluding 1st year sucide
My relative died due to Covid 19 ,Life insurance company rejected the deth claim due to non discloser of Diabetic , is it correct please reply
sir, can u please explain force majeure clause in term insurance?
Sure, will address it in next video related to term insurance.
@@InsuranceTechnical Thank you sir for a prompt reply.
@@InsuranceTechnical majeut clause and exlusion
Agar koi policy letey time yeh sab habit nahi hai aur baad me karne lage to uska kya.. Plz clear the point
Will address it in next Video
अगर सर उस व्यक्ति ने पालिसी लेते समय उसके कंपनी ने उस व्यक्ति का मेडिकल कराया और उसमें उसे कोई बीमारी नही निकली और 1-2 साल बाद उस व्यक्ति को किसी बीमारी से उसकी मौत हो जाती है तो क्या कंपनी claim क्लेम देगी क्या
Jee han claim degi
Ji ha bilkul claim milega.
But policy lete time uski Sari Term and Conditions accha se pdh Lena.
Thanks and Regards
Rahul Shukla
Unit Manager
ICICI Prudential 9999063120
Secret yasrab jaisa koi shauk karta hai Tu bhi kya claim reject ho jata hai
Aur ek sawal
Trum plan lete waqt kya kya health aur medical test hote Hain
Yadi policy me address main area pin code galat hai to kya claim reject ho sakta hai
Sir ...kya sharaab piye admi ke accident SE death ho toh claim milega ya nahi? And kya housewife k name per policy le sakte ha..
housewife ke naam se term insurance nahi le skte
Claim reject hone pr pay kiya gya primiuam vaps kr diya jata hai ya use v vaps nhi kiya jata hai
कया 6 साल 3महीने तक प्रिमियम भरा हो और दो बार पोलीशी बंद हुंयी थी लेकीन चालुं करवायी थी और पोलिशी चालुंथी तभी मेरे जिजाजी गुंजर गये तो अब कलेम मिलेगा या फीर एआईसी वाले खाली छान बिन करके कलेम रिजेक्ट कर देंगे बताना भाई मिलेगा कलेम या नही 2लाख का सवाल है भाई हमने 50000तो प्रिमयम दिया है अभी तक
Excellent video sir..
I have taken a term insurance policy from icici pru life but I didn't mention my existing lic jeevan anand policy in term insurance proposal form as the agent told me not to mention this. Will it make any problem during claim?? Wheather I will continue with it or write to company to amend it or switch over to some other term insurance??? Please reply sir..
Have you heard of blockchain based insurance like PAL Network and/ or Etherisc?
Yes, it will be future but it will take considerable time to mature specially in India.
Very helpful information sir.
👌👌👌
Thanks
Sir SBI bank Mai PMSP account Mai accidentally/death insurance k claim rejection k reason btaye please
Date of birth galat hone par kya Karen date of birth kaun se document ki Manyata rakhti hai LIC mein
Sir mere Client ko hepatitis ho gaya hai lekin POLICY lene ke time pe aisa kuch nahi tha to kya claim milega
3 mahine ke baad dead ho Jaye to Kya term insurance wale family ko paise mileage ya nahi
Yadi proposal form me sahi jankari di hai to claim zaroor milega, investigation ke baad Insurance company claim settled karegi
18 mah Chali hai palsi dharak
Fansi Laga liya ghar mein kya Namni ko claim milega
Mere father ne sucide Kiya he unki LIC policy he 10 sal purani to claim milega ki nahi please answer
Policy lene k 3 years bad bhi proposal form me agar galat jaankari di gyi ho tb bhi claim reject kr dete h kya?
Usually no.
If. any policyholder had mentioned wrong date of birth than death will be rejected or not please clarify
LIC.konsa.konsa.dethko.kleme.katahe
सर अगर किसी व्यक्ति ने smoking के बारे में जानकारी नहीं दी हो कंपनी को अगर वह व्यक्ति स्मोकिंग से उसकी मौत नही होती है तो क्या कंपनी claimनही देगी क्या
God bless you
Many thanks for your blessings
Can i get my lic if dob is wrong filled
Good suggestions.
Thanks...
Hi
My qeustion is...
Nominee me koi bhi ho sakta hai ya sirf apna relative hi hona chahiye....
Koi bhi ho sakta hai
@@InsuranceTechnical Thanks a lot
Plan 854 me male ka medical nahi hota kya?
V good sir
Nice information
Thanks.
Thanks vidios
Sir spouse koi policy lete samay kisi tarah ka tambaqu sevan nahi karta he lekin uske 1 ya 2 sal bad use kisi tarah ki tambaqu sevan ki aadat ho jati he
binod ji aap ko apni insurance company ko inform karna hoga .aapko sabse pahle ye kaam karna hai
LIC JEEVAN AROGYA PLAN KI CLAIM PROSSES BATAYE
Sir. please Miri questions ka answer Dina please sir m paramilitary forces CRPF mi job krta hu m trum insurance plan Lic amulya Jeevan trum insurance plan li Sakta Hu kya please answer
term insurance koi bhi vyakti le sakta hai jo kamata hai aap ek govt job mai hai aur kamate hai to aap lic ke ye policy le sakte ho .
Jee han bilkul le sakte hain
Good sir
Full jankari bataiye
Sir mere dost ne suicide kiya hai, policy sirf 9 month hua hai,lekin primium 15 years ka liya hai,chuki yah policy loan ke against liya gaya hai.hum log chahte hai ye claim mile.please help us
Term insurance claim lene ka pura process bataye
Qualification by mistake wrong fill kar diya ho to claim prosess time pe koi problem aata he ke kaya????
Galti kya he ye batayen. Yadi uska impact underwriting pe hai to problem ayega. Ise aap Insurance company ko mail kar ke correct kara le.
Accidental death होने पर क्लेम के लिए कौन कौन से document चाहिये
Claim documents ke alag Video banunga
Lic ki policy me kitne din se agr premium na diya ho usko dis continue maan liya jada h .agr humare ko accidental death ka claim lena ho.kyuki humara claim reject kr diya bola ki apka grace period khtm ho gya h
Please ap bta skte ho
Which kind of death is not covered in term ins
Well...nice
Yes .
Thank !
My brother commented suicide in 2015. He has a LIC policy at that time. We can claim that policy.
policy mai kya condition thi wo pata karna hoga sab policy alag alag hoti hai
mere father last year expire ho gaye
hamare 4 policy the sabka total assured amt 4lakh ho ra hai
meri mom bhi nahi hai
aur meri mom hi nominee thi ab mujhe sare claim settle karne hai koi pleasee bata do mai kya kar sakta hoon
Sabse pagle aap lic me iski suchana do wo aapko required documents bata denge. Main document hoga legal heir certificate jise aapko bawana padega .