Life Insurance - Amendment in Section 45 of insurance Act - No Rejection of Life Insurance claim
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- Опубліковано 11 жов 2024
- This video helps you to understand the Section 45 of insurance Act (Amended). How it works practically. It is applicable to all life insurance policy i.e. Term insurance, endowment policy, money back policy, ULIP ect. Insurance company cannot deny life insurance claim after 3 years.
Links: Link to insurance technical Channel - / insurancetec. .
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#Amendmentinsection45ofinsuranceact #norejectionoflifeinsuranceclaimafter3years
Bahut achchha kaam Kiya apne... confusion dur ho gaya
Thanks for giving very important amendment regarding term plan.
Thanks for your comments. Just to add it is not only fir term insurance but for all life insurance claim.
Please make video on what types of deaths r not covered in term insurance (all types of exclusions)
Guy
C
बहोत ही अच्छी जानकारी , धन्यवाद
Bahut shaandar explanation 👌
Policy laps ho gai 2 saal lagatar premium bara aur 1 Saal Ni bara sab premium bar diye interest ke sath to ab 2 saal judenge ya ab isi saal se count hinge jisme premium bara hai phele ka Kya hoga
Isi saal se counting start hogi
Mr Sharma is 60 years old. For the six decades of his life, he has never opted for insurance. Recently, he attended a seminar in his society which highlighted the need for insurance. After returning home, he researched different types of insurance to find out which was the most suited for him. He is confused as to which of these two types of insurance he should go for:
A) health insurance (during his last visit to a doctor, the doctor had indicated the potential need for surgery); or
B) life insurance (he wants his family to have financial security as he is nearing the life expectancy in India)
You are an insurance advisor. What would be your piece of advice to Mr Sharma? Would your advice change if you were to advise Mr Sharma's 30-year-old son to choose between health insurance and life insurance? Elaborate upon your answer.
Sir मैंने अपना term insurance अपनी income ज्यादा बता कर लिया हुआ है मुझे लगातार 4 साल हो गए premium भरते हुए । क्या कुछ misshapning होने पर मेरा क्लेम reject हो सकता है
Bahot sahi
Sir मेने एक टर्म प्लान लिया है बैंक वालो से मुझको सिर्फ एक पेज के एक फोर्म पर दो जगह साइन करवाया गया है और कुछ भी जानकारी पूछी नही है और में 10 क्लास फेल हु बहोत से एजेंट ऑनलाइन कहते है कि टर्म प्लान लेने के लिए 12 वी क्लास पास होना जरूरी है अब मेने बैंक वालो से बात की उन्होंने कहा हम आपको अंदर ग्रेजुएट दिखएँगे ओर कलेम आता है तब एजुकेशन का कोई इसु नही होता है या एजुकेशन के बेस पर केलम रिजेक्ट नही होता है और दूसरी बात बीमा कंपनी की डाक्टर ने वीडियो कॉल के जरिये मेरी फिटनेस की पूरी जानकारी ली और मेरे परिवार के फिटनेश की भी जानकारी ली और इस वीडियो कॉल की पूरी वीडियो रिकॉडिंग भी की ओर मेने सारी जानकारी भी सही दी उसके बाद बीमा कंपनी को मैने फिजिकल मेडिकल के लिए काल सेंटर पर बात की तो उन्होंने कहा कि अपने हमारे डाक्टर को वीडियो कॉल पर जो जानकारी या दी है उससे आप के फिजिकल मेडिकल की कोई जरूरत नही है फिलहाल आप फिट है सिर में नही किसी तरह की कोई तम्बाकू का सेवन करता हु ओर नही कोई और गुटखा का बस में 8 दिन में एक बार ड्रिंक करता हु 120 m.l जिसकी जानकारी भी मेने वीडियो कॉल पर कंपनी के डॉक्टर को दी है अभी मेरी पोलोसि इसु नही हुवी है अगर पॉलिसी इसु हो जाती है तो क्या मुझको ये टर्म प्लान जारी रखना चाहिए सिर
बहोफ से एजेंट कहते है कि टर्म प्लान में सिर्फ हेल्थ ओर इनकम प्रुफ ही मेन होता है इनकी जानकारी गलत नही होनी चाहिए बाकी ओर कुछ मायने नही रखता है अब आप बताइए sir की मुझको आगे क्या करना चाहिए में एक मिडल क्लास परिवार से हु बाद में केलम में कोई प्रॉब्लम होगी या नही कुछ समझ मे नही आ रहा है
Aisa karna to hai galat he, yadi 3 saal ke andar claim aa gaya to company wale premium lauta denge, claim milne ka chance bahut kam hai. 3 Saal ke baad claim me problem nahi honi chaheye. Iske baare me mai jankari jama kar raha hu jald he ispar video banunga.
Sukriya।
Please inform about group health insurance, of Aditya birla health insurance.
Sir aap ka info bahut useful hi.Thank u God bless u.
Many thanks for your kind words
aapki vdo bahot acchi hain aapke kaaran mere bahot sare dought clear ho chuke hain .....aur main term insurance policy online le raha hoon.... kisi agent k pass se nahi....aur jo online baat hoti hain....oos employee ka bolna hain ki yeh call record hoti hain kal ko aap eski clip mangva sakte ho....kya yeh such hain....plz sir mere dono comments pe reply jarur dijiye ....thaks
Yes final verification call record hoti hai.
@@InsuranceTechnical final verification means jab selles department wale call karte hain o call nahi record hota kya
Sir icici i pru smart plan k bare me btatga full detials plz
Thank you posting such informative videos.
Is act ke hote huwe bhi har kisi insurance company ka claim Settlement ratio 100 % nahi ane ka wajah kya hai? Kya sirf 3 sal ke andar hi claim jyadatar reject ho jati hain?
Yes, kuch log galat janksri dekar policy lete hain aur kuch log critical illness hone ke baad
Sahi sahi jaankaari de ke policy lene k 3saal baad agar claim karne kaa naubat aa jaaye to claim reject honey kaa chance kyaa na k barabar hoga
Sir agr hmne online term plan lia to
uska claim kaise karenge ...plz ese detail me bataeye...ya fir espr koi video bana hoto uska link bta de
Bahut badiya sirji
Bahut sahi information ye mujhe nahi pata tha
Kya online term plan lena sahi hai...??
Monthly premium ko grace period 15 days ka hota hai lekin salary to kabhi kabhi let hoti hai to claim reject hota hai kya
Policy condition se salary se koi sambandh nahi hai, yadi premium oay nahi keya to policy benefit nahi milega.
Sir maine term plan policy lene mai galti se self employed ki jagah profession banker bhar diya . Mujhe isse koi problem to nahi hogi sir payment ho chuka hai maine aaj hi policy li hai .please reply sir
Kindly correct kara le. Aaj hi mail karein aur phone pe baat karen
Ok sir
Sir tarm insurance 2 company se le sakte hai kiya। Agr ek ne reject Kar diya। To dusri ka claim paas ho Sakta hai। Or। Dono v mil sakte hai।
सर जी मैने aegon life insurance customer care मे फोन करके यही सवाल किया था, की आप तीन साल के बाद term insurance का क्लेम रिजेक्ट कर सकते हो क्या?
तो उसने कहा था की अगर आपकी policy मे कुछ गलत नजर आया तो हम clem 10 साल के बाद भी रिजेक्ट कर सकते है।
They will continue to say like this else people will take policy with wrong information. Always policy should be taken with proper information.
Tx sir ab mai aram sa sooooosakuga....
Hello sir
Please mention your NAME in video
you had good idea about
insurance with logic
Sir, pls make video on LIC Tech term plan ....I know u have already published one video but that time policy was not live. So please... Thank you.
2 videos y already there, before and after the plan
Sir term policy lene ke liye aavsyak dastavej per ek video banakar samzaye
We specialize in helping families to secure and grow their savings for their future needs like Education, Retirement, Marriage, Health Expenses, etc. along with this, we'll advise you that how to save ur tax as well. So, Secure ur and ur family's future TODAY- WhatsApp at 7838664322
Thank you very much...
But, what if one completes 3 years and after that government changes the act. Then the claim will be settled by as per the new amendment. This means even after 3 years claim is subject to changes made in new section 45. Then this information remains invalid.
Yes because New regulations will be applicable to new policy.
Nice information
Sir it's again given relaxation now I think please check and confirm..
Also critical illnesses
30 days Inhospitalization
Other terms and conditions..
Will be there...
I think max term insurance will get reject because what will they get if we pay 20k yearly and they give 1cr
question : this 3 years is not clear. does it mean that before the amendment, the insurance company took 3 years after the death of the insurer/proposer and after 3 years , they rejected the policy ?
In this 3 years insurer may raised questions on the information provided in proposal form
Good job
LIC ke premium aur pvt company ke premium me itna jyada antar kyo hai?
Very nice & important information sir 👍
Superb
No police can not be call in question after 2 years is written in my policy bond..what is true..ple reply..
Sir apke dubara di gai kafi mahatma purna lagi
Thanks...
Sir.....Policy lete time person smoke nahi karta tha...lekin kuch saal baad smoking suru kar di...agar 5 saal baad person ki death smoking se hoti hai to uss case me company claim reject kar sakti hai kya
Sir maine Feb 2020 me 2 bar max life se term plan lene ki koshish ki aur dono bar max ne policy issue nahi ki . Iss ke baare me muze aap se discuss karn hai , pls aap ka contact no. Milega?
Very informative sir... Hats off to ur effort
Sir agar policy 3 year tak bhari aur pese ni hone ki wazah se bad mai nahi bhari aur agar deth ho gai to kya bima ka pesa milega
Nahi, bima ka paisa tabhi milegi jab policy chalu ho.
Sir policy dharak agar suscide kre tobhi kya use 3 sal policy bhugtanpr insurance company LIC or any private company ise reject Nahi kr sakti.plz guide
धन्यवाद सर
Sir Premium 3 Year Diye But 3 Year Nahi Hua So Please Suggest Me
Sir PLZZ Help Mera Bhai Ki Death Ho Gai Hai 27 Years Old Aur Uska Yeh 4th year hai
LIC wale Doctors Consideration Mang Rahe hai😢😢
Contact dedo aapka Call karna hai
Sir mere family main critical disease ka history hai. Kya mujhe term insurance milega aur claim bhi settle haga
Yadi aapko koi problem nahi hai to problem nahi hoga, standard policy ya phir thodi premium loading ke saath policy mil jayegi. Check with life insurance advisors Yadi aap sahi jankari de ke policy lenge to claim zaroor milega.
Important jankari.
Thanks ...
Sir yeh term & health insurance pr bhi applicable hai kya, please advise
Kya mein LIC jevan Amar aur lic tech term dono ek sath le sakta hu? Insurance agency relative ki hai aur uka kehna hai offline Jevan Amar hi sahi Jeevan Amar mein claim settlement hassle free hai aur online risky hai. Fir Maine Socha ki 1cr ko divide Kar ke dono plan leta hu. Please suggest Kare
Very good information
Pls make a video on financial under writing, on male and female. How to calculate life cover on male and female, how much life cover he or she get. How much income should be there. Pls make a video on this matter.
Thank you so much.
We specialize in helping families to secure and grow their savings for their future needs like Education, Retirement, Marriage, Health Expenses, etc. along with this, we'll advise you that how to save ur tax as well. So, Secure ur and ur family's future TODAY- WhatsApp at 7838664322
Sir hdfc ka life insurance lete samay proposal form me ajent ne job profile galat fill kr diya tha premium paid karte huve 4 saal ho chuke he to kya is base pe claim reject ho skta he ... section 45 ke according ???? Please advise me
Sur mere papa ka star helth allied insurnce company se poliy liya tha jinka acident 29/5/2019 me daet ho gyi jis ka clam hu log kiya h lrekin abhi tk cleam setal nahi hua
I love your channel. Great job well done.
Many thanks for your kind appreciation
Sir क्या ये mediclaim पालिसी पर भी लागू होता है ? Health Insurance policy पर ?
Nahi
sir mene 100 year term plan liya h meri age 59 year h mera medical bhi hua h but agent n form glat feel kr diya h amount bhi 7800 month m kya kru
please help me
Insurance co. Ko mail kar ke apni information correct kara legeye
My dear do new policy if your proposal have mistake. Sanjay ojha Lic agent mob.9425828930
Sir Lic Me Sec 45 abhi bhi open h kya Sir plz tell me sir plz. 3saal baad claim milene Me problem To ni hoga na sir plz tell sir plz 🙏🙏
Lic ki term insurance policy par video banaye please sir
If there's any minor surgery before taking the term insurance like (gall bladder operation, jaundice). Do i need to declare it while taking the insurance?
Yes, you should declare it
Gallstone operation krwata h aapne
Excellent sir
Sir or kya kya reason h claim decline hone k.
Or koi choti mistake ho proposal form me jaise weight height me thoda difference to aisi mistake kha ti acceptable h
PAVAN KUMAR bhai mere sath bhi yehi problam h
Good work
Sir agar income galat bata Kar term plan le Liya Jaye
To 3year baad clame mile ga
Please suggest a good company for term insurance
Plz watch this video Plan : Jeevan Lakshya (933)
Age :32
Term :21
PPT :18
Death Sum Assured :5500000
Basic Sum Assured :5000000
1st year Premium With TAX 4.5% :
Yearly : 267745 (256215 + 11530)
Halfly : 135319 (129492 + 5827)
Quarterly : 68383 (65438 + 2945)
Monthly(ECS) : 22795 (21813 + 982)
YLY Mode Average Prem/Day : 733
After 1st year Premium With TAX 2.25% :
Yearly : 261980 (256215 + 5765)
Halfly : 132406 (129492 + 2914)
Quarterly : 66910 (65438 + 1472)
Monthly(ECS) : 22304 (21813 + 491)
YLY Mode Average Prem/Day : 717
Total Approximate Paid Premium : 4721405
Approximate Return at Maturity Time :
S.A. : 5000000
Bonus : 4830000
F.A.B. : 500000
Total Approximate Return at Maturity Time : 10330000
Please answer
Sir ye 3years condition term plan per bhi lagu hata hai?
I too have same question . I heard that this order was passed regarding case of ULIP PLAN
Yes
Yes, it is applicable for all life insurance
Sir me term plan Lena chahta hu .
Lic Aur Icici kindly suggest me which is best & clam kis me jldi milega
Aap is video ko dekhen
ua-cam.com/video/ibKAmnLynzY/v-deo.html
Sir if a person give wrong info in term plan and death occour after 3 years ,
If there any chances for company to reject that person claim by giving reason that he has given wrong information during policy taken
Is video ko dekhe isme wahi bataya hai
Sir kya yeh sectoin lic ke teck term pr bhi lagoo hota hai.
Yes
Term Insurance also Covered in this ??
I am Planning to Buy A term Insurance Of Icici
Yes,
It is also a Good company
Which types of death not cover in term plane.
Suicide with one year of policy issuance.
Calamity,
HIV.
Terrorist atteck
Death due to sky diving.
Drink and drive ls cover if I selected no drink and tombaku.
Yes, with respect death due to any diseases it should be developed after taking the policy, if any symptoms at the time of taking the policy should be declared. Most of the rest causes are exclusion of Personal accident policy not of term insurance.
@@InsuranceTechnical thanks sir
@@InsuranceTechnical plz updet my last question
I take term plane of Bharti AXA
I say no for options
Sky diving. Parasut diving. And relatate adventure game.
लेकिन जब में दोस्तो के साथ बाहर हाई हिल में रोप डिवीन कर लेता हूं ऐसे में टर्म इन्सुरेंस का एडवांटेज नही मिलेगा क्या।।।
या तीन साल बाद सैक्शन 45 C
के तहत मिल सकता है क्या ??
Good video
term insurance nominee can they be non Indian spouse?
Yes
non disclosure of prevailing policy is comes under material concealment while availing new insurance policy under insurance act? please answer me
Sir,Nominee are legally entitled of the death claim in life insurance Policies after death of the life insured ?
Very important thanks
Thanks for your kind appreciation
Sab compani se life insorense lena mager lic kabhi mat lena claim dene me bahut natak karti hai
Kya e term (lic) plans ya online plans par bhi yeh amendment lagoo hota hay? Kripya spasht karein
Bhai lic ka koi sa plan mat lena
क्या आप बता सकते हैं कि LIC टर्म प्लान में यदि कोई पॉलिसी होल्डर एक्सीडेंट में हेंडीकेप्ट हो जाता है तो उसके लिए क्या मापदण्ड तय किये हैं उस प्लान में,,,कृपया बताने की कृपा करें। ?
Iske leye accidental death and desibility ka rider lena hota hai
ua-cam.com/video/Ar7tpSlAT18/v-deo.html
@@InsuranceTechnical
855 वाले टर्म प्लान में लोन की सुविधा है कि नही,,,और यदि है तो किस तरह से है,,,कृपया बताने की कृपा करें
Mera lic amulya jeevan 2 policy term plan mey 2017 year ka..woha pey 2 years likha hey policy bond mey...ple reply sir..
And thank you sir for making such useful videos...
Sir Agar kisi person ko cigrate ya drink karne ki habit term insurance policy lene ke baad pad gai aur uski death ho jati hai to claim milega ya nahi.
Apko apni insurance company ko iske bare Jaan kar dijiye iske sayad apka premium badega lekin claim me koi problem nahi ayegi?
sir main pichle 1 saal se term insurancE lene ki koshish kar raha hoon... but drink nd drive inliglly activity hain agar aise me death hoti hain... to ...tata aia... aur ...kotak enka bolna hain ki claim hum pass nahi karte claim reject karte hain.....basic sum assured bhi nahi milega....section 45 me jo bola gaya hain....ki....3 saal k baad kisi bhi tarah ka claim reject nahi kiya jaa sakta....plz ab aap hee bata dijiye main kya karu.....mujhe... max life....hdfc...icici...in 3 compny me se kiski policy purchase karu....sir plz help I....
Insurance company select karne me ye video help karegi,
ua-cam.com/video/u4tNllHAvf4/v-deo.html
Drink and drive ka exclusion PA me hota hai accident benefit rider me hota hai term me nahi, jab policy suicide cover karti hai to is se danger aur kya ho sakta hai and suicide bhi illegal activity hai lakin wo to cover hai.
agar person uneducated ha toh term plan le sakta ha kya kisi company ka
Sir policy lete samay education ki aavskta kyo hoti hai sir policy kya under 10th education vala vyakti policy kharid nahi sakta kya
Good information!
Very nice information sir Ji
Mane trem plan 50 lakh ka liya hai mera naam kamal beer singh hai liken policy kamalveer singh ke naam se issue ho gayi hai kya future me clim reject to nahi ho ga
Aap insurance company me mail karen aur call bhi karen aur name correct kara leyen kisi bhi document me wrong name problem hi karega.
Bhai aise rules kai baar aate hai.
Pata nahi terms and conditions ke naam par kai pages par sign karate hai.
Claim lena aasan nahi
Good News. Thank you.
Good news 👍 thanks sir
bhai policy jab li tab alcohol nhi krte or policy lene k 3 saal complate hone per alcohol se death ho jati h ya alcohol accident k karan to cleam rejaect hoga kya
Claim reject nahi hoga lakin alcohol lena shuru karen ke baad 3 saal me iski wajah se death nahi ho sakti.
@@InsuranceTechnical means alcohol lene k bad driving kre ya kisi or vajah se kuch ho post mortam me aaye alcohol le rakha tha us case me cleam reject nhi hoga n
Watch this video
ua-cam.com/video/hWDDzA_Zvck/v-deo.html
Thanks sir
Mai pridhi sharma maine ek tata aia se policy li thi jinme ajent k dwara jo bataya gya wo nhi h ab mere paise wapas nhi kr rhe h
Best info.
Shandar... M🙂🙂🙂🙂
Date of issuance cannot be earlier than DOC.