IRDAI Latest Insurance Rules & Regulations 2024

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  • Опубліковано 20 жов 2024

КОМЕНТАРІ • 110

  • @rajendra3561
    @rajendra3561 Місяць тому +1

    Suprrr information sir ...🥰👌👌👍👍❤❤ Great job... I appreciate your concern about insured persons🤝🤝🤝

    • @insuranceseva
      @insuranceseva  Місяць тому +1

      @@rajendra3561 Thank you so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need furthThankser information, feel free to ask Our toll free no 18008900455 🙏

  • @sauravkumar988
    @sauravkumar988 Місяць тому +1

    Sir jo v insurance 2024 se pehle lia gya hai ispar ye rule apply hoga ya nhi.

  • @katravathraju522
    @katravathraju522 2 місяці тому +2

    Dear sir, I have a policy Jeevan Umang 945, I have paid policy for two years (96k per year )now I want to surrender , can you please tell me him much I will get now ?

  • @pinakinvajani7549
    @pinakinvajani7549 5 місяців тому +2

    ⛳🙏Jai Mataji Jai Hind Sir🙏 Good informative video Sir. Thanks a lot Sirji ...!!!

    • @insuranceseva
      @insuranceseva  5 місяців тому +1

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask 18008900455

  • @rajeshkumawat9561
    @rajeshkumawat9561 5 місяців тому +3

    Sir in health insurance we decleare PED in case we servive waiting period so why insurance company charge for ped, while we servive waiting period.

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      While taking a health insurance policy with PED, Whether loading will be levied on your policy or not depends on what PED you are declaring while purchasing the health insurance policy.
      In some PED when insurer charge loading then the same diseases are covered from day one too.
      For more information about this kindly call 18008900455

  • @Kp-rt1jw
    @Kp-rt1jw Місяць тому

    1) 7years se jyada premium bhare hai to unake liye surrender value percentage kitana milega?
    2) Agar fasa kar premium pay years and policy term years dale gaye ho to kya use hum update kar sakate hai?
    3) 10 saal bad to total paid premium + bonus milega ki nahi????

  • @deepasinghal8019
    @deepasinghal8019 5 місяців тому +1

    Thanx to fullfill our demand of this video

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask 18008900455

  • @niteshmali6009
    @niteshmali6009 Місяць тому

    sir my father buy a life insurance in 2011 and paid the preimium for 4 year only after that he discontinue it till the date he has not surrender the policy what value he should get now he has paid 7825 *4=31300 how much can we get

  • @ashishlekhi7915
    @ashishlekhi7915 4 місяці тому

    Sir i have health insurance of my parents and premium is paid for 2 years. Now my father is diagonsed with sugar in last hospitalization. So, now while renewal do I need to mention it or not ?

  • @hanocapremakara
    @hanocapremakara 5 місяців тому +2

    Nice. Information sir thank you very much

    • @insuranceseva
      @insuranceseva  5 місяців тому +1

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

  • @SameerShah-jh9yc
    @SameerShah-jh9yc 2 місяці тому

    Grace period me kitna din badhaya hai

  • @gobaraGanesh
    @gobaraGanesh 5 місяців тому +2

    Much awaited video

    • @insuranceseva
      @insuranceseva  5 місяців тому +1

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

  • @SameerShah-jh9yc
    @SameerShah-jh9yc 2 місяці тому

    Irda ne grace period me kitne dino ka aur mawka diya hai

  • @shaikNaveed23
    @shaikNaveed23 5 місяців тому +2

    Last year i took policy in care insurance. My dad got diagnosed and surgery completed, due to initial waiting period of 2 years i didnt apply for claim. 2weeks back i did renewal, and filled this new diagnosed surgery while renewal.once i submit, i got policy document with good health declaration under last year period.. Surgery not included in that policy document.. i requested care support throught email, no one is responding..No futher updation in document with surgery name..can u suggest what can i do on this??

    • @insuranceseva
      @insuranceseva  5 місяців тому +2

      Dear Viewer,
      After issuance of a health insurance policy if any diseases are diagnosed then terms and conditions will remain the same hence declaration of an aliment is mandatory at the time of renewal.
      For more information about this kindly call us 18008900455

    • @sscwallah1497
      @sscwallah1497 3 місяці тому

      Sir i bought a policy in which i have to pay rs 100000 every year and i was told that i will get health insurance and my money also back and lock in period was of 5 year and now my 5 yrs are completing in feb 2025 . I paid only 1 premium so can i get money before the lock in period is over as i am in need of money urgently ​ @@insuranceseva

  • @sauravkumar988
    @sauravkumar988 2 місяці тому +1

    Sir corporate health insurance individual me port kyo nhi hota....cant able use the benefit of waiting period and moratorium period if want to shift from corporate to individual

    • @insuranceseva
      @insuranceseva  2 місяці тому

      Dear Saurabh,
      Group health insurance policy cannot port into an individual health insurance policy.
      For more information about this kindly call us 18008900455

    • @sauravkumar988
      @sauravkumar988 2 місяці тому

      @@insuranceseva thanks for youbreply sir. But irdai should change the rule... I dont think it creates any kimd of losses to insurance companay.

  • @exsecularmukesh
    @exsecularmukesh 4 місяці тому

    Sir mujhe sbi se business development manager for general insurance ke liye job offer aayi hai aapki kya suggestion hai isme

  • @robertwilliams7543
    @robertwilliams7543 5 місяців тому

    Sir I have a query, my father's age is 68 recently he got admitted for a week, his claim got rejected, since the nursing home had declared soduum fall as pre existing disease, after few days a letter came regarding discontinuation of policy due to non declaration of PED , policy was running for 3yrs, what should I do?

    • @insuranceseva
      @insuranceseva  5 місяців тому

      I'm sorry to hear that you've encountered difficulty with settling your claim with SBI General insurance. If your concern remains unresolved, please don't hesitate to contact us. We have a dedicated claims team ready to assist you.
      18008900455

  • @VinodRNofficial
    @VinodRNofficial 5 місяців тому

    Sir yah 5-years ka new moratorium rules customers ne April-2024 ke baad lenewale Policy par apply hai only ? Ya jo customers ki old Policy chal rahi hai usake upar bhi apply hai ?

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      IRDAI regulation 2024 has been applied for all health insurance policies.
      For more information about this kindly call us 18008900455

  • @RishiKumar-vb7fy
    @RishiKumar-vb7fy 5 місяців тому

    Sir old policies mai bhi applicable hai kya yeh ped ? National Insurance 2022 mai liya and 4 years ka ped tha. Abhi yeh 3 years hoga? And also moratorium 2022 ke according 2030 hai kya yeh 2027 tak hoga?

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Valued Viewer,
      Ensuring the right insurance coverage is crucial, and we suggest contacting the Insurance Seva team for the best advice and plans. Their commitment to excellence extends to a dedicated claims team, guaranteeing a smooth process during unexpected events. Trust Insurance Seva for comprehensive coverage and exceptional service.18008900455

  • @melodycombinationplatform5798
    @melodycombinationplatform5798 5 місяців тому

    Nice
    I have purchased hdfc life sanchay plus for a period of 5 years.
    Now after paying the first premium I am not in a position to pay second premium then what will be the out put?
    Please guide me

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      As per new IRDAI Regulation 2024 after one year if a customer wants to surrender his endowment policy then he will get 30% of his total paid premium.
      For more information about this kindly call us 18008900455

    • @melodycombinationplatform5798
      @melodycombinationplatform5798 5 місяців тому

      @@insuranceseva
      Thanks
      I will call you for clarification and subsequent procedure

    • @melodycombinationplatform5798
      @melodycombinationplatform5798 5 місяців тому

      Good morning
      Mr.Singhal
      I had tried to contact you over toll free number but couldn't reach.
      Do you have any other contact number?
      Please assist

  • @kalyanmishra6650
    @kalyanmishra6650 3 місяці тому

    Sir my existing policy crossed 5years,will I get morotorium benefit?

    • @insuranceseva
      @insuranceseva  3 місяці тому

      IRDAI MASTER CIRCULAR will be applied till 30th Sep 2024 .
      For more information about this kindly call us 18008900455

  • @ShyamSyangtan
    @ShyamSyangtan 4 місяці тому

    is the moratorium 5 years policy also applicable to existing policies?

  • @nitishdeoghar
    @nitishdeoghar 5 місяців тому

    Just one doubt, all these changes will be applicable for 2-3 years old existing policies??

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      IRDAI regulation 2024 will be applicable for all insurance policies.
      For more information about this kindly call us 18008900455

  • @ruhaanreyaz
    @ruhaanreyaz 27 днів тому

    Sir free look period 30 days wala present me lagu ho hya hai kya

    • @insuranceseva
      @insuranceseva  15 днів тому

      Dear viewers,
      Please note that the IRDAI Master Circular guidelines will come into effect from 1st October 2024. However, these guidelines will not apply to life insurance policies issued on or after 1st October 2024.
      Thank you for your attention.
      For more information about this kindly call us 18008900455

  • @pradeepkrmahato7234
    @pradeepkrmahato7234 2 місяці тому

    Lic Surrender Value New Rules ka Video Banayein

    • @insuranceseva
      @insuranceseva  2 місяці тому

      "Thank you for your suggestion! I appreciate your interest in LIC surrender value video.I'll definitely be working on a video covering that topic soon. Stay tuned for the upcoming content
      18008900455

  • @srinivaskagita-qc7qz
    @srinivaskagita-qc7qz 5 місяців тому +2

    Good information

    • @insuranceseva
      @insuranceseva  5 місяців тому +1

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

  • @ManojKumar-ox8wl
    @ManojKumar-ox8wl 4 місяці тому

    3years back I took nivabupa reassure policy for my father and I mentioned pre existing diabetes and hypertension as pre existing diseases and got loading charges for that but after 3years ie after completing waiting period when I renewed the policy the column of pre existing disease in the document is showing as none when I called customer care they were saying that after waiting period pre existing disease will be shown in the document as none……Is it so please clarify as I don’t want to suffer during claim…please help

    • @insuranceseva
      @insuranceseva  4 місяці тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @pavanarora2987
    @pavanarora2987 5 місяців тому

    सर ,मैं 63साल का हूं और मेरी वाइफ 59साल की।हम दोनो की पिछले 20साल से पांच पांच लाख की यूनाइटेड इंडिया से इंडिविजुअल हेल्थ इंश्योरेंस है।लास्ट ईयर हमारा दोनो का प्रीमियम 48000हजार था जो कंपनी ने बढ़ाकर 63000/ कर दिया है।पिछले पांच साल से हमने कोई क्लेम नहीं लिया है।दो साल पहले मेरा टीएमटी पॉजिटिव आया था लेकिन सीटी एंजिओ नॉर्मल आया।लेकिन मुझे कोई प्रोब्लम नही है।अप्रैल 2021 में मेरी वाइफ को सीजर हुआ था तब से वो एक टैबलेट क्लोबा 10mg ले रही है और उसकी EEG नॉर्मल है।क्या हम बिना किसी प्रोब्लम के ये पॉलिसी Niva Bupa में पोर्ट करा सकते हैं। रिन्यूअल की डेट 28मई है।

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @jyotirajhans-7294
    @jyotirajhans-7294 3 місяці тому

    Sir Ek ber sarrender krne k bad Kya policy restart ki ja skti h pleas ...batayen

    • @insuranceseva
      @insuranceseva  2 місяці тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @vikramaditaysao
    @vikramaditaysao 2 місяці тому

    Sir ji maine August 24 me health policy li lekin existing illness cover 4years ka hi hai ab kya kru?

    • @insuranceseva
      @insuranceseva  2 місяці тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @seethaa8987
    @seethaa8987 2 місяці тому

    Sir what about surrender value un annuity plans ?afer 4years?
    At sny stage we can take only 33%of our invested amount .i was mis selled sbimlife retire smart i have paid fir four yesrs can i get my amount invested

    • @insuranceseva
      @insuranceseva  2 місяці тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @yashwantdhole7645
    @yashwantdhole7645 5 місяців тому +1

    Great information.

    • @insuranceseva
      @insuranceseva  5 місяців тому +1

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask 18008900455

  • @SubhasChandraMajumder-w8t
    @SubhasChandraMajumder-w8t Місяць тому

    I want to port my floater mediclaim policy with all existing facilities. I am a senior citizen and the policy is twenty year old . Last year I approach a agent of star health insurance company for the same but he denied and it is not possible. Now what to do. My renewal date is January 2025.

    • @insuranceseva
      @insuranceseva  Місяць тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

    • @mukeshsaxena4610
      @mukeshsaxena4610 28 днів тому

      In
      ​@@insuranceseva

  • @lalbahadursingh2895
    @lalbahadursingh2895 5 місяців тому +1

    Very good

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask 18008900455

  • @krishnamurthynatarajan9167
    @krishnamurthynatarajan9167 4 місяці тому

    Purchase under group insurance of public sector for retired employees.Was hospitalised and claim no. allotted for reimbursement of Cashless claim. Upon discharge insurer rejected claim in toto as don't require in patient treatment.However Doctor of reputed diabetic hospital opined continuos observation was required.Patient cannot risk against the advice of Senior doctor.Can we go to insurance Ombudsman since escalation matrix exhausted as rejected by their grievance Redressal forum.Suggest chances to succeed as amount is nearly a lakh for various investigation and MRI.

    • @insuranceseva
      @insuranceseva  4 місяці тому

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

  • @rigzinglepcha7143
    @rigzinglepcha7143 5 місяців тому

    So many changes brought about then the company can increase the premium?

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      These changes have been done by IRDAI not the insurer,
      Health insurance premium increases periodically due to two factors 1.Medical inflation 2.Increasing age, but not due to IRDAI regulation changes.
      For more information about this kindly call us 18008900455

  • @sanjeebsethi5336
    @sanjeebsethi5336 5 місяців тому

    Sir please make detailed explanation on migration and portability of group health insurance as per new guidelines

    • @yousufpasha8184
      @yousufpasha8184 5 місяців тому +1

      S

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Thank you for your suggestion! I appreciate your interest in health insurance specific details. I'll definitely be working on a video covering that topic soon. Stay tuned for the upcoming content 18008900455

    • @geekum
      @geekum 4 місяці тому

      ​@@insuranceseva
      Please let me know your contact details. I am 69 and looking for a better policy. Regards

  • @suyanimaheshharilalsuyani
    @suyanimaheshharilalsuyani 5 місяців тому

    Home loan insurance 15 sal ka liya aur single premium payment Kiya tha toh 2 sal ke bad surrender karne par kitna paisa milega

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      Only by reading the policy wording can one tell what are the terms and conditions of the policy and what are the guidelines of surrender value.
      For more information about this kindly call us 18008900455

  • @punjabiaps576
    @punjabiaps576 4 місяці тому

    Sir maina max life ki sewa policy le thee......ous ik phela kishat maina bhar de.....abb ous ki dusre kishat bharne hai .....kya mai ese abb surrender kr skta hu.....mai premium nhi bhar skta .....agent na mere sath dhokha kyea hai

    • @insuranceseva
      @insuranceseva  4 місяці тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @tariniprasadsahuprasad6683
    @tariniprasadsahuprasad6683 5 місяців тому

    Sir namaskar maine mera pre existing bimari ke bare bola fir bhi mujhe 3 company ne policy nahi diya jabki main lockin preiod jhelne ke liye tayar tha esaa kyiun kiya company ne

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      Kindly contact us with all the past treatment records of your pre-existing ailments.
      18008900455

  • @RishiKumar-vb7fy
    @RishiKumar-vb7fy 5 місяців тому

    Sir care supreme policy mai abhi bhi 4 years waiting period hai. Changes abhi tak nhi hua. Kab tak hoga? 😅

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Valued Viewer,
      Ensuring the right insurance coverage is crucial, and we suggest contacting the Insurance Seva team for the best advice and plans. Their commitment to excellence extends to a dedicated claims team, guaranteeing a smooth process during unexpected events. Trust Insurance Seva for comprehensive coverage and exceptional service.18008900455

  • @rajrajbonshi4455
    @rajrajbonshi4455 Місяць тому

    Lic mei surrender value itna kam kyun bata rahe hai

    • @insuranceseva
      @insuranceseva  Місяць тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @akshiteditz5710
    @akshiteditz5710 5 місяців тому

    Excellent

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask 18008900455

  • @rameshrana8749
    @rameshrana8749 5 місяців тому +1

    Premium may be sky rockting. This is my presumption.

    • @insuranceseva
      @insuranceseva  5 місяців тому +1

      Dear Viewer,
      IRDAI regulation has no relation with premium increment.
      Health insurance premium increases periodically due to Medical inflation & Increases age.
      For more information about this kindly call us 18008900455

  • @GunJack.
    @GunJack. 5 місяців тому

    circular link send kr dijiye comment me

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      Thank you so much for contacting us,
      Kindly click the link given below
      acrobat.adobe.com/id/urn:aaid:sc:AP:21912a9e-bfae-4a3f-9540-2369539b318f

  • @yousufpasha8184
    @yousufpasha8184 5 місяців тому

    Agar humne ek hi company me 10 saal bitaye aur port kiya doosri company me to kya day one se hi moretorium period applicable rahega. Please reply..

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      As per new IRDAI regulation 2024 your moratorium period will be waived if you serve 5 years in the same company or port to another insurer.
      For more information about this kindly call us 18008900455

  • @gopallalkumawat5613
    @gopallalkumawat5613 5 місяців тому

    आपकी जानकारी सही है लेकिन Fox क्या होता है आपको अंग्रेजी में नही हिंदी शब्द भी उपयोग कर सकते है

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Gopal ji,
      Thank you so much for your kind words.
      Here it's folks not fox.
      Folks means people.
      For more information about this kindly call us 18008900455

  • @jiveshkumar9586
    @jiveshkumar9586 29 днів тому

    Tata ne hamko dhokha diya lone ke badle insurence karwata

    • @insuranceseva
      @insuranceseva  29 днів тому

      I'm sorry to hear that you've encountered difficulty with Tata. If your concern remains unresolved, please don't hesitate to contact us. We have a dedicated claims team ready to assist you.18008900455

  • @VinodRNofficial
    @VinodRNofficial 5 місяців тому +1

    Hello sir

    • @insuranceseva
      @insuranceseva  5 місяців тому +1

      Hello Vinod ji
      How are you doing

    • @VinodRNofficial
      @VinodRNofficial 5 місяців тому +1

      @@insuranceseva Own business in poona, maharashtra.

  • @velu1000
    @velu1000 3 місяці тому +1

    Fox 😂

  • @injamulahamed9779
    @injamulahamed9779 5 місяців тому

    Sala eee fox con he bee??

    • @insuranceseva
      @insuranceseva  5 місяців тому

      Dear Viewer,
      Here the meaning of Folks means people.
      For more information about this kindly call us 18008900455

  • @purnima9594
    @purnima9594 2 місяці тому

    Fox 🦊

    • @insuranceseva
      @insuranceseva  2 місяці тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @purnima9594
    @purnima9594 2 місяці тому

    Fox you are being very repetitive

    • @insuranceseva
      @insuranceseva  2 місяці тому

      Dear Viewer
      Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim.
      18008900455

  • @RajveerSingh-ce2wz
    @RajveerSingh-ce2wz 3 місяці тому

    Special surrender reform final ho gaya kya?

    • @insuranceseva
      @insuranceseva  2 місяці тому

      Dear Viewer
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