@@pankajpanchwagh4062 they are not accepting, tried care and new India, they asked me to try other companies, they said they can decide to whom to give insurance,
@@pankajpanchwagh4062they can , this is how they do it First they will reject claim on any ground eg star health Then when you raise questions they will say they will refund the premium amount and cancel the policy and that's the best they can do to help you You will feel glad that they u left such a terrible company when u receive the premium, keep in mind that u will receive it only after 7 months time and lot of followups Later when you approach other companies they won't accept it as they can accept or reject cases with PED , they have a team which decides which all to accept I enquired with policy bazaar and even ditto as they have plenty of insurance under one roof , even they said it's like That now , the company will decide whom to insure 🤣 People should make videos on this topic , its not being discussed anywhere Keep in mind points - star health are cheats just check their claim settlement ratio Insurance companies are not working to help , but to make profit, they will do their best from years of experience to act like they will help you ,maybe settle some small bills and later screw you when you need them most Health is wealth , so eat healthy , build muscle , educate yourself on health nutrition and finance well ACCUMULATE a corpus of min10lakhs and start FD just for medical emergency even if you are covered in medical insurance
Important questions -I took out a health insurance policy 11 years ago and upgraded it at one point. Since then, I have not had any health issues. If I file a claim now or near future (Rabb na kare), is there any possibility that it could be rejected? If so, under what circumstances could this happen? Note - None of my family member have any health issues in their childhood.
Agar kisi ki bariatric surgery hui h aur wo insurance company ki decline list me hai, customer 5 saal bina claim liye policy chala le to kya use 5 saal baad claim mil jayega?
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??
Hello jee, you can connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history.
Medam m swiggy or zomato Dono m kam karta hu Or dono m OPD/IPD/OTH Health policy h dono active h Abhi m 24 hours hospitalization raha hu or bill kuch 9000 samthing h To kya mujhe dono m apply kr du or kya mujhe dono s 9000+9000 Milenge kya Swiggy reliance s h Or zomato acko policy h Please answer please
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 ?
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 ?
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
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' .
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 ?
@@devendranaidu3394 Like all other 'benefits' or 'specific exclusions', et al, 'Moratorium benefit' will also enjoy retroactive effect, regardless of porting.
I am having a starhealth comprehensive 5 lakh policy. Is it worth continuing the same or you advise to port to better policy of different company. I am 66 now.
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'
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?
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
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.
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.
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
@@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.
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??
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.
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🙏🙏🙏
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।
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
Great information, due to this new rule, insurance companies are not accepting new policies of people with PED.
They have to accept it. For PED you need to wait for specific period between 2-4 years or you have to make a payment of loading charges for PED.
@@pankajpanchwagh4062 they are not accepting, tried care and new India, they asked me to try other companies, they said they can decide to whom to give insurance,
@@pankajpanchwagh4062they can , this is how they do it
First they will reject claim on any ground eg star health
Then when you raise questions they will say they will refund the premium amount and cancel the policy and that's the best they can do to help you
You will feel glad that they u left such a terrible company when u receive the premium, keep in mind that u will receive it only after 7 months time and lot of followups
Later when you approach other companies they won't accept it as they can accept or reject cases with PED , they have a team which decides which all to accept
I enquired with policy bazaar and even ditto as they have plenty of insurance under one roof , even they said it's like That now , the company will decide whom to insure 🤣
People should make videos on this topic , its not being discussed anywhere
Keep in mind points -
star health are cheats just check their claim settlement ratio
Insurance companies are not working to help , but to make profit, they will do their best from years of experience to act like they will help you ,maybe settle some small bills and later screw you when you need them most
Health is wealth , so eat healthy , build muscle , educate yourself on health nutrition and finance well
ACCUMULATE a corpus of min10lakhs and start FD just for medical emergency even if you are covered in medical insurance
Definition of Fraud is a grey area & very subjective
@@PINKYinsuranceSolutionsSMART very true
@@PINKYinsuranceSolutionsSMART which UA-cam channel?
My 1st Health Insurance Policy 2015 still active...
Important questions -I took out a health insurance policy 11 years ago and upgraded it at one point. Since then, I have not had any health issues. If I file a claim now or near future (Rabb na kare), is there any possibility that it could be rejected? If so, under what circumstances could this happen?
Note - None of my family member have any health issues in their childhood.
Nice Info it will help to many people Thank You Gurleen Ji 🙏🙏
Glad 😊, keep watching !!
Does the moratorium clause also applicable to the No claim bonus/ plus benefits & Secure benefits (in case of hdfc ergo). Please specify.
It is applicable only for base insurance cover
Thank you madam. This is really good news and this information is really helpful for an insured person. Thanks again 😊
I HAVE 50 LAKH HEALTH INSURANCE RECENTLY BOUGHT JUST 1 WEEK BACK 22 YRS OLD , AND I DONT WANT EVER TO CLAIM
Jai Hindustan
Aapne Manipal Cigna Lifetime Health insurance liya hai?
Very impressed with the content and presentation . Clear , concise and meaningful presented with a pleasant disposition . Thank you , Gurleen 🙏
Like everytime thank you for your guidance...now I am always updated with insurance things...🙏
Also shared with my group to follow you...
Thank you so much, keep watching & do Subscribe 😊
Well describe IRDAI rule..
Thanks a lot, keep watching !
This is tough question but IMPORTANT. Does new moratorium starts from year 2024 on-wards only?
Yes
Agar kisi ki bariatric surgery hui h aur wo insurance company ki decline list me hai, customer 5 saal bina claim liye policy chala le to kya use 5 saal baad claim mil jayega?
Govt should launch a health savings scheme like kisan vikas Patra or national saving scheme etc with more interest rates than normal FD.
Are hand written notes from hospital valid
, sbi health denied claim saying they need computer generated notes....
You have old information,now claim can't be denied after 3yrs
HI I need your Help. My claim got rejected stating non discolsure. Request you to please guide me.
Is it applicable for only new policies or also for the existing policy holders?
Yes for all deadline for insurance companies is 31.07.24
Thank you for sharing valuable information
Glad it was helpful!
Thanks For the Valuable Information Madam
Thanks a lot, keep watching !!
Madam, No claim bonus kaa moratorium?
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??
Insurance companies will misuse the clause of fraud. This is a grey area. IRDAI is not clear who determines the fraud.
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
could you please advise best agent in lucknow for health insurance.
Hello jee, you can connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history.
Sab policy mein ye period 2029 mein khatam hoga na..? And for rest of the policies it should be older the 2016?
Please confirm.
What about existing Niva Bupa Reassure 2.0 Platinum? Please guide.
Is the moratorium period applicable if we change the zone without informing the company?
You have to inform the insurance company if you change the zone
Bliend person ko miljayegi kya health policy madem
Yes care freedom plan is available
Medam m swiggy or zomato
Dono m kam karta hu
Or dono m OPD/IPD/OTH
Health policy h dono active h
Abhi m 24 hours hospitalization raha hu or bill kuch 9000 samthing h
To kya mujhe dono m apply kr du or kya mujhe dono s 9000+9000
Milenge kya
Swiggy reliance s h
Or zomato acko policy h
Please answer please
Claim rejected for 8 years old policy stating non disclosure
No break in insurance policy
Which company and which city and for which disease?
What were the reason given by company
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 ?
For those who completed 5 years already
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 ?
yes, claim milega.
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
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' .
Yes, Moratorium is applicable
In case of congenital heart diseases can I get claim after 3 years of completing insurance in star youngstar silver policy?
*Hi Gurleen, thanks for a neat elaboration with examples on 'Moratorium'. Very useful video indeed for the viewers.*
Glad it was helpful! Keep watching & do Subscribe 😊
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 ?
@@devendranaidu3394 Like all other 'benefits' or 'specific exclusions', et al, 'Moratorium benefit' will also enjoy retroactive effect, regardless of porting.
The moratorium period will be carried forward with porting as per IRDAI guidelines
@@GurleenKaurTikku tx u for clarifying 😊
Mam kya hyper thyroid insurance cover nahi karte hain
Great Video Mam. Pls keep making such videos 👍
I am having a starhealth comprehensive 5 lakh policy. Is it worth continuing the same or you advise to port to better policy of different company. I am 66 now.
Mam Moratorium existing policies me milegi ,kya group policies me bhi ye applicable hoga ?
very informative... thanks
What's the moratorium period of term life insurance .
2 years
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 ????
A 5 year rule will be applicable
पॉलिसी 2017 मैं stare health optima le हुए हैं क्या icici elivet me Port Kara sakte hai
Bilkul karwa lo...
ICICI Lombard is best option like HDFC ergo.
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'
No problem with grace period (30 days). This is clearly mentioned in IRDAI document refered by Gurleen madam.
What is not clear - does moratorium applies for past years (BEFORE 2024)?
Thank you very much ma'am 🙏
Keep watching
Medical insurance lene h konsa policy le please help me
Can i help u?
Ergo, Lombard.
Mam,
Excellent video.
If moratorium period is also transferred in case of portability?
Regds
Yes
mam pucha tha company se vo kehte new rules only new products pe applicable hai
No that person is giving you wrong information
How about icici elevate plan
Excellent plan
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?
Most Insurance companies are not following this regulation and we need to knock the insurance ombudsman doorsteps
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?
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
@@GurleenKaurTikku Got it. Thanks.
❤ 0:13
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.
No
How many days grace period is given by the insurance company??
30 days in renewl of policy
Ma'am, If we migrate police to another plan in the same company without loosing the continuity, So, will the modatorium work?
Yes. it will. She mentioned that in the video as well.
Hi madam, how is niva Bupa health insurance as a company? Does it frequently reject claims? Complains?
Go for ergo or Lombard
Nice explanation
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.
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
Yes, in portability also, moratorium benefit will be given since inception
Break up means how?. Suppose payment of renewal is done late within grace period, is it break..
Break in means renewing after grace period
NIVA BUPA moratorium period नही मानेगी। Reimbursement claim करके देख लीजिए।
Report to IRDAI with documentary evidence.
@@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.
I was planning to take Niva Bupa now....My earlier was star health...which is a useless company.... should I go for niva Bupa?
@@annamalayadevi Never or get ready to get rejected reimbursement claim if ever taken
@@annamalayadeviWe will guide you to buy the right insurance. Reach me.
now they will cover money by increasing premium.
Medical claim kya sirf in patient ko hi milta hai. Please reply
Yes, in patient hospitalisation is covered
Adhd is not being accepted as ped. Price for honesty
Mera policy Care me hai. Date commence 2017.
I can't get answers from you for my question
Hi Ma'am,
Ye Moratorim Period Super-topup me v count hota hai kya ???
Yes
Is this also applicable after policy portability?
Yes
Very complicated
We have tried to simplify it as much as possible.
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??
Yes they can reject
Thanks 👍
Thanks a lot, keep watching !!
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.
It will be considered a new policy
It will be considered as a new policy
Yeh konsa new clause he ?
Old clause hi hai
In spite of asking the PED only, there is a fraud...😅
Nice 👍
Thanks a lot, keep watching !
Thanks for the English subtitles. Else, I don't understand anything in your video and not worth the view.
Thank you, keep watching !
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🙏🙏🙏
सर शायद आपको पॉलिसी नही मिलेगी
Care heart plan..
What's yr phone number
Contact star health cardiac plan 30 days coverage star cardiac issues below 70 years only no co payment
Ayushman Bharat ka card banaao
@@gourabgorai4561 kaise
Wow mem
Thanks a lot !
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।
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
Ma'am,
Iss video thoda bhari ho geya.
Thoda easy language main 1 bar aur banate to jada achha hota !!!
👍👍
Keep Watching !
Fraud ko fraud😂😂😂
Magic