Hey labour law advisor - i have to buy best term insurance, medical insurance for me & my fam covered with 30 lac coverage & want to invest in PF & Pension plan.
Man made disaster like Terrorist attacks also NOT covered... 😂🤣 As Business TOURIST, I checked it from all insurers, after attacks of 9/11 & 26/11...!! Better to 🙏pray GOD for Family, than rely on Insurance Co.. 😂🤣😁
"To kya karun main, mar jau"😂😂😂 You guys have perfected the art of making shorts. I can't even imagine how difficult it is to communicate whole lot of information in such a short time with such precision. Really appreciate your efforts. I wonder if you do meet ups with ur subscribers but I would love to meet you guys 🙏🙏
Very useful video, no one says these exclusions of death. After buying a term plan from Bajaj Allianz i read my bond then I realized about these exclusion of death benifit.
LIC tech term does not have force majure clause also they will cover all type of deaths except suicide. Research well before you buy cause you won't be there to argue for the claim so ur family also need to be aware of the terms of the policy.
Have to double check again. But when I bought I clearly asked and got reply that for risk cover due to death only suicide in 1st year was not covered and these exclusion like adventure sport and natural disaster etc is only applicable for additional rider. I gone through the policy document as well and some 10 exclusion were mention on the rider's policy document.
My father had a term insurance of sbi general sum of 15 lakh which they cleared after submitting all the documents. within 15 days they transferred the amount to our accounts
@@adwaitvedant3297 Your choice words explains the grudge you hold. It was more of an "awareness" and less of "marketing". Yes, I put an affiliate link in the description but with full disclosures and honesty. That's the business side of things without which we'll just have to stop making videos and get jobs. But I can't expect everyone to understand this basic thing, I guess
@@LabourLawAdvisor you guys are making video for awareness purpose it's....ok buy you should not target to any specific agent community in india every field and industry have bad and dishonest person but in other side most people have corrected and ethical in financial market....hope you understand the .....
the only exclusion of term insurance is suicide in the first year rest all are covered. these exclusions are applicable on riders. Murder by nominee is a matter of court and things are not very clear regarding that. Rest everything is covered
That's what I also remember. Have to double check again. But when I ought I clearly asked and as u said for risk cover due tto death only suicide in 1st year was not covered and these exclusion like adventure sport and natural disaster etc is only applicable for additional rider. I gone through the policy document as well and some 10 exclusion were mention on the rider's policy document.
Sir, I have double checked with my TATA AIA term insurance customer care team and taken the written confirmation that death due to natural calamities will be covered. I am a big follower of your channel and that's what makes me feel skeptical though I've taken the written confirmation. Is there anything, where the insurance company might have played around?
this is a good example of data not being used properly , 3rd top result of death is diarrhea, but for people who can afford good life coverage that probability is quite low. and for neonatal issues i don't know if you can get term insurance pre conception otherwise insurance ke saal tak to aise bhi nahi milega :
All these insurance things are scams, because most of the time they go unclaimed, and even if the person applies for claim, the company will try to figure out some mistake and try to reject any claims, If under worse condition the company somehow agrees to allow the claim, they will definitely pay very less than what they confirmed earlier... (And yes this is the crude reality. And i know this bcoz i have seen people going thru this and after talking to them, am stating my words... )
@@souravdey267 kiddo spotted how sits in his parents basement and eats free food, having no idea of what things happen in real world...i dont need to explain anymore to an immature kid, go check urself
Term insurance should be provided except any illegal activities. Insurance should be a right and any person should get it whether they have disease or not, whether they are involved in adventure activities etc. Increase the premium but simply rejecting is not good is what I feel
Need help , bought a term life insurance from bajaj Allianz and they have published wrong medical report on my policy and they are not responding back. Where to complain higher authority
Hi Mandeep, I would like to check if a policy holder unfortunately dies due to STD / HIV after 10 years of taking the policy then in that case also insurance company would reject the claim ? IRDA rule says If the policyholder maintains the coverage for 8 years without a break, the health insurance provider cannot deny a claim. These 8 years are called the moratorium period. Please advise.
Bhaiya agar income 5 lakh se Kam ho ..aur term insurance 5 lakh se upar dal liya.. aur 50- 1 crore ka cover leliya... Toh koi dikkat hogi... Premium time pe bhar dunga. Suggest?
Bhai please make a video on difference between CAPF aayshman scheme and private health insurance . I'm in ITBP force deployed in china border and very confused between govt aayshman and private health insurance. Pls suggest me which is better for me.
Bhaiya kisi ka cause of death accident ya neutral death h ... Or wo Insaan kbhi kbhar smoke drink krta tha to kya claim reject hoga.. kyoki cause of death to alg h
@@daveshetty5489 I'd taken policy for 1Cr in policy bazaar during 2019. And, I'd mentioned pre-existing medical condition and paying model premium +3K month. Now that I realise I missed to update my existing 10L death cover from LIC in the proposal form (I could have thought it was negligible nor important that time). I'm afraid that it should not lead to claim rejection though I pay model premium. How can I update this to the insurance company? Will that be accepted after paying for 2 years now with still 10 years to go? What should I do now?
Brother SBI ka deceased claim (saving account) nominee claim karne pe kya Bank charges deduct karte hai ya fir total Balance jitna hai utna milega . Video banaiye .
Compare & Buy Term Insurance: term.lla.in
Term Insurance Guide | Video Playlist: ua-cam.com/play/PL9DpKzAHkdgrdDjFX8zfaelgKpqEUXkeA.html
ua-cam.com/video/9mm6bxlrdVo/v-deo.html
Hey labour law advisor - i have to buy best term insurance, medical insurance for me & my fam covered with 30 lac coverage & want to invest in PF & Pension plan.
If someone died out of India, can they still get money?
Can cover the topic of Public Liability Policy for Oil industries ???
Sir jhut bol ke Liya ho aur 3 sal ho gye ho tou reject ni ho sakta na,..142 a
That 'bhaiya bhaiya' face was hilarious.. 😂😂
Yo
Thanks
bhaiiiiiiii kya banaya hai knowledge with entertainment.... great work guys big fan....
what's wrong with natural diester, why it isn't included?
Act of God 🤭🤣
As company dont want to get bankcurrupt 😂
In natural disaster many people die at a time. In case majority has insurance from the same company the company will face huge losses.
Man made disaster like Terrorist attacks also NOT covered... 😂🤣
As Business TOURIST, I checked it from all insurers, after attacks of 9/11 & 26/11...!!
Better to 🙏pray GOD for Family, than rely on Insurance Co.. 😂🤣😁
@@democracyjusticegod404 but when. I asked my insurance agent he said it is included. Cheater saale
Thank you for making this.
That's the first thought came into my mind when started thinking about Term insurance.
But natural disasters and adventure sports mein milna chahiye (considering I don't do adventure sports for my living ofcourse)
I think unka liya alag sa cover etc lena hota ha and if you are in extreme risk industry vaha pa vasa bhi life insurance nahi milta ha
Why doesn’t they tell when one buy policy 🥺
@@rajeshrenke6471 they do but these all things are written in the t&c of the policy that most don't read
@@rajeshrenke6471 it does ask you while buying policy online that weather you do adventure sports or not
@@rajeshrenke6471 T&C padhna hota hai.
"To kya karun main, mar jau"😂😂😂 You guys have perfected the art of making shorts. I can't even imagine how difficult it is to communicate whole lot of information in such a short time with such precision. Really appreciate your efforts. I wonder if you do meet ups with ur subscribers but I would love to meet you guys 🙏🙏
Imagine dying of diarrhoea,
"Tatti karte karte guzar gaye!" I'm sorry lmaooo
Yeah my neighbour died in diarrhoea...
@@imojontherocks wait, "in"?
@@Om-cl7qk meh "of" what are you,a English teacher?...it's just a youtube comment dude...
@@imojontherocks died in diarrhoea just has a whole different meaning man lmao re read the whole sentence 🤦♂️
@@Om-cl7qk yeah lol I see....my bad man....I thought you were one of those "grammer Nazis"..
Important knowledge
Best way to use shorts
🙏🙏🙏
Very useful video, no one says these exclusions of death. After buying a term plan from Bajaj Allianz i read my bond then I realized about these exclusion of death benifit.
His term insurance video helped me a lot and i gave a subscribe and a like for him ultimate explore before buying one thanks
LIC tech term does not have force majure clause also they will cover all type of deaths except suicide. Research well before you buy cause you won't be there to argue for the claim so ur family also need to be aware of the terms of the policy.
Great job brother 👏 ❤️
EXCELLENT PRESENTATION❤❤❤
Have to double check again. But when I bought I clearly asked and got reply that for risk cover due to death only suicide in 1st year was not covered and these exclusion like adventure sport and natural disaster etc is only applicable for additional rider. I gone through the policy document as well and some 10 exclusion were mention on the rider's policy document.
Do we get the money if nothing happens to us ,when we get old?
no and you should not
@@LabourLawAdvisorthanks.
yes, Now most of the company providing it.. but the condition is you have to pay till 70-72 years
Endowment nahi le lena 😂😂😂
return of premium m milta h without gst
subbed to the newsletter!
Good information.. Andhra Pradesh
Nominee role must be play by Andy, reshoot this clip 😂 😂 😂 😂 😂
Ky baat hai
Bhai
It's amazing technique for learning
My father had a term insurance of sbi general sum of 15 lakh which they cleared after submitting all the documents. within 15 days they transferred the amount to our accounts
Great work 😇
a natural disaster is excluded from some policies and Not from all policies...so read & understand the policy brochure first.
Death due to child birth ke liye bhi nahi milega? 😐
Term insurance are tricky..and recommended..thats why people take ULIP..this guy has marketed against ulips
@@adwaitvedant3297 bhai app ulip bechte ho kiya? muje lena hei..... 👍
@@adwaitvedant3297 Your choice words explains the grudge you hold. It was more of an "awareness" and less of "marketing". Yes, I put an affiliate link in the description but with full disclosures and honesty. That's the business side of things without which we'll just have to stop making videos and get jobs. But I can't expect everyone to understand this basic thing, I guess
@@LabourLawAdvisor you guys are making video for awareness purpose it's....ok buy you should not target to any specific agent community in india every field and industry have bad and dishonest person but in other side most people have corrected and ethical in financial market....hope you understand the .....
@@lifeguru111 of course, I have addressed this point in multiple video :)
Very informative videos ✨
the only exclusion of term insurance is suicide in the first year rest all are covered. these exclusions are applicable on riders. Murder by nominee is a matter of court and things are not very clear regarding that. Rest everything is covered
That's what I also remember. Have to double check again. But when I ought I clearly asked and as u said for risk cover due tto death only suicide in 1st year was not covered and these exclusion like adventure sport and natural disaster etc is only applicable for additional rider. I gone through the policy document as well and some 10 exclusion were mention on the rider's policy document.
It's waste of money then. They must cover accident which leads to death,partial or full paralysis n natural disaster
Diarrhea is in top 10 causes of death in our country?!!
Only TATA and LIC doesn't have all these exclusions....
So tata and lic good or bad
Very important info
Nominee bee like🙀🙀🙀🙀
Sir, I have double checked with my TATA AIA term insurance customer care team and taken the written confirmation that death due to natural calamities will be covered. I am a big follower of your channel and that's what makes me feel skeptical though I've taken the written confirmation. Is there anything, where the insurance company might have played around?
Your chotta bhai is lit 🤣🤣🤣😎😎
this is a good example of data not being used properly , 3rd top result of death is diarrhea, but for people who can afford good life coverage that probability is quite low. and for neonatal issues i don't know if you can get term insurance pre conception otherwise insurance ke saal tak to aise bhi nahi milega :
His face when he was preparing to kill 😂👍
All these insurance things are scams, because most of the time they go unclaimed, and even if the person applies for claim, the company will try to figure out some mistake and try to reject any claims,
If under worse condition the company somehow agrees to allow the claim, they will definitely pay very less than what they confirmed earlier...
(And yes this is the crude reality.
And i know this bcoz i have seen people going thru this and after talking to them, am stating my words... )
Whatsapp university pass out student😂😂
@@souravdey267 kiddo spotted how sits in his parents basement and eats free food, having no idea of what things happen in real world...i dont need to explain anymore to an immature kid, go check urself
@@roxrtk3299 whatsapp graduate detected....opinion rejected
@@souravdey267 jal gayi na teri 🤣🤣🤣 baddimag bachha
If adventure sports is not routine activity then Term insurance can be claimable . Am I correct?
LIC term insurance ke bare me ek video, with full description, please.
Thanks
Bajaj alliance best
Heart attack or stroke accidental death Nehi hai kya??
we want this type of videos
Trrrrrrrrr
That cutter 🤣🤣🤣🤣🤣
Jab wo hassa mera pura hasi nikal gaya
People actually died from diarrhea and not just in double digits but in percentage, its also one of the most infant mortality cause too
COVID 19 deaths are insured in old term insurance or not?
Or need to take rider for that?
Natural calamity pe milta hain
How to ensure you have a long punishing life. Take a term insurance.
Didn't expect Diarrhoea at no.3 😂😂😂
It’s not funny. It happens in infants especially in remote areas where there are no medical facilities
It's chronic Diarrhea like Chrons Disease and Ulcerative colitis
term plan lic se bhai.... no exclusion
Bike chalate time helmet na pahna Ho..... To claim milega ya nahin
Term insurance should be provided except any illegal activities. Insurance should be a right and any person should get it whether they have disease or not, whether they are involved in adventure activities etc. Increase the premium but simply rejecting is not good is what I feel
Please let me know one thing. Is hidden insurance is covered while filing ITR ?
Need help , bought a term life insurance from bajaj Allianz and they have published wrong medical report on my policy and they are not responding back. Where to complain higher authority
अगर एक भी existing policy declared नही की तो भी क्लेम rejected, recent case with LIC.....
Is snake bite covered in term life insurance?
Very funny and informative.
Can we change nominee after few years of buying the policy?
Hi Mandeep, I would like to check if a policy holder unfortunately dies due to STD / HIV after 10 years of taking the policy then in that case also insurance company would reject the claim ? IRDA rule says If the policyholder maintains the coverage for 8 years without a break, the health insurance provider cannot deny a claim. These 8 years are called the moratorium period. Please advise.
Kindly post latest video on term plan
Look for postal life insurance it's more reliable i work in post office
But bhaiya koi aisa plan hai jisme amount bhi grow hoti rahe and term plan bhi mil jaye?
Yes hota hai ips i protec smart plan mei aap muje apna number share kre btata hun
Tata param suraksha
Hy tell all details of term insurance
Awasom 😍😍 ❤️
Hi @team, Does anyone knows how to increase the amount of existing term insurance?
Thanks in advance.
Wait! Hold on! After one year you can..?
What about wrong side Car accident death?
Likh leta hu, Aane wali jagruk Janta Quiz me na aa jaye, legit! 😅👌
Bhaiya agar income 5 lakh se Kam ho ..aur term insurance 5 lakh se upar dal liya.. aur 50- 1 crore ka cover leliya... Toh koi dikkat hogi... Premium time pe bhar dunga. Suggest?
Amex are selling policy through PNB with no exclusion
Which company is good/ trustable for paying the Term insurance..! LIC or any other suggestable ones..! thanks
Tata aia
@@tanveermirza6889 thanks for your reply but I’ve took the icici.. that should be fine..! Tx
@@srinit097 Great 👍
I have a chronic disease, can a insurance company issue me term insurance.
True Inspiration With Entertainment 😉☺️
Sir, main coal mine main underground kaam kartha hu. Kya muje term insurance Lena chahiye
If the person is dead by an normal accident will the nominee get that claimed amount
Can i take a term insurance if no one is depend on me ? And if I have cancer already ?
Sir can you suggest term life insurance and health insurance for diabetic patients
Corona death me Mila tha kya ..ya kisi pandemic m milta hai na
Can you elaborate on child birth case please??
Bhai please make a video on difference between CAPF aayshman scheme and private health insurance .
I'm in ITBP force deployed in china border and very confused between govt aayshman and private health insurance.
Pls suggest me which is better for me.
एक एलआईसी के लिए वीडियो बनाओ भाई
Term plan sirf Lic ka Lena, sab deaths covered hai... thoda mahenga hai.... lekin lic ka sahi hai...
Yeh youtuber ne bhi lic ka liya hai
Cousin ko nominee bana sakte kya
Government employees ko lena chahiye ya nahi
Bhaiya kisi ka cause of death accident ya neutral death h ... Or wo Insaan kbhi kbhar smoke drink krta tha to kya claim reject hoga.. kyoki cause of death to alg h
क्रिमिनल एक्टिविटीज में नहीं मिलेगा
मतलब अगर किसी क्रिमिनल ने एक्टिविटी की
तो भी नहीं मिलेगा?
Worst insurance ever
sir. please suggest company in low premium bajaj , max , exide
Max
Term insurance was postponded due to preexisting condition.
What should i do
Cancel n re apply in with other company I'm frm policy bazaar mumbai branch do Lemme know if you need any help
@@daveshetty5489 I'd taken policy for 1Cr in policy bazaar during 2019. And, I'd mentioned pre-existing medical condition and paying model premium +3K month. Now that I realise I missed to update my existing 10L death cover from LIC in the proposal form (I could have thought it was negligible nor important that time). I'm afraid that it should not lead to claim rejection though I pay model premium. How can I update this to the insurance company? Will that be accepted after paying for 2 years now with still 10 years to go? What should I do now?
Meanwhile
Hospital to Google ads - top pe heart disease dalde paise hi pasie hoga ?😂😂
The 8th number in the top 10 causes of death was self harm but you mentioned that suicide was also not acceptable, how?
नैचुरल डिजास्टर में भी नहीं मिलता?
Sir Maternity plan insurance ke bare Mai kuch jaankari plz share!!
Bro kon sa insurance best ha ......plz help kro
Accordng to u which 1 is best?
Also medical insurance ka bhi btao do best covering 30lpa & reimbursement mil ske on all medicines purchased from outside
It was best
People out here dying from excessive sh*tting 😂😂 Diarrhoea is in the top 10 causes of death... It's hilarious if you think about it
Ager kisi karen se term plan n le ske to kya le
Brother SBI ka deceased claim (saving account) nominee claim karne pe kya Bank charges deduct karte hai ya fir total Balance jitna hai utna milega . Video banaiye .
Sir what to do ? Add on critical illness rider with term insurance or with health insurance?