Medical History in Insurance can be hidden or MUST BE DISCLOSED | Ganesh Iyer | HINDI | BITV

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  • เผยแพร่เมื่อ 8 ม.ค. 2025

ความคิดเห็น • 50

  • @sunilkulkarni9656
    @sunilkulkarni9656 2 ปีที่แล้ว +2

    Very conceptually correct and to the point knowledge shared.well done bitv

  • @vijaysinghnegi3108
    @vijaysinghnegi3108 7 หลายเดือนก่อน +6

    Agar insurance policy compulsory ye rule bna de ki every policy purchase karne se pahle policy holder ko full body medical test report mandatory ho jaye to court case for claim ho hi na ........example ..jese vehicle ka insurance purchase se pahle vehicle ka PUC compulsory hona jaruri h uskey bina vehicle insurance nhi milta

  • @amitdodeja5393
    @amitdodeja5393 2 ปีที่แล้ว +1

    Shandar information sir

  • @harddikkpatel6108
    @harddikkpatel6108 2 ปีที่แล้ว

    Eye opening fact. Ganesh sir very well done 👍 for general awareness

  • @bitv_
    @bitv_  2 ปีที่แล้ว

    Please give your comments

    • @bitv_
      @bitv_  2 ปีที่แล้ว

      Please give your comments

  • @musiclovers1229
    @musiclovers1229 2 หลายเดือนก่อน +1

    Hi Sir ,at the time of taking term insurance I clear my health issue that insurer admitted in hospital due to fever 2 weeks before and ICICI pru rejected the application on that heath reason (no smoking , no diabetic ) and asked to reapply after 6 months ,
    Thats the reason people hide and companies play safe
    Even their own blood test report was normal

    • @bitv_
      @bitv_  2 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, "Thank you for sharing your experience. It can indeed be frustrating when an application is declined for something seemingly minor, especially when health disclosures are made honestly. Insurers often have strict policies to manage risk, but this can sometimes lead to delays for applicants. Hopefully, with more transparent processes, trust can be built on both sides. Wishing you all the best with your reapplication!
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  • @sandipkamble73
    @sandipkamble73 7 หลายเดือนก่อน

    Informative... Knowledgefull..
    Thank You

  • @ashishlekhi7915
    @ashishlekhi7915 6 หลายเดือนก่อน +1

    What to do if diabetes is diagnosed after buying health insurance ? Do we need to mention during time of renewal ?

  • @raja_arvind_singh
    @raja_arvind_singh 3 หลายเดือนก่อน +1

    It not a myths sir it is true
    Past many years I am applying Health insurance for my son and I gat rejection from all companies. Now suggest what to do and how to get health policy.

    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, I'm sorry to hear about your experience. It can be really challenging to navigate health insurance. I recommend consulting with an insurance advisor who can help you explore options tailored to your situation. Sometimes there are specialized plans available for specific needs. Hope you find the right coverage soon!
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  • @KoushikDeyRoy
    @KoushikDeyRoy 4 หลายเดือนก่อน +1

    very Good information..

    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, Thank you! We're glad you found the information helpful! If you have any questions or need further insights, feel free to ask! 😊
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  • @rakeshgpt15
    @rakeshgpt15 9 หลายเดือนก่อน

    Thanks for sharing insurer point of view.

    • @bitv_
      @bitv_  8 หลายเดือนก่อน

      Thank you! I'm glad you found the information helpful. If there's anything specific you'd like to learn more about or any questions you have, feel free to ask!

  • @JoshiJspm
    @JoshiJspm 2 หลายเดือนก่อน

    Why Acoustic neuroma (vestibular schwannoma) is in decline list? It's diagnosed in 2016 and even after 8 year, the new proposal is declined by many companies. Presently fit and fine

    • @bitv_
      @bitv_  2 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, Thank you for sharing your experience! 🙏 It's interesting to hear about the decline of acoustic neuroma in insurance proposals. Insurance policies often evolve based on risk assessments and claims data. If you’re currently fit and fine, that’s great news! It might be worth discussing your situation directly with insurance providers to see if there are any options available for you. Stay healthy!
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  • @pravatsrichandanray9035
    @pravatsrichandanray9035 หลายเดือนก่อน

    I have ulcerative colitis and also had spinal surgery c1-C2 in 2019.. after disclosure, insurance rejected.. whether any chance for insurance for any company

  • @AnilPrajapati-fz5ti
    @AnilPrajapati-fz5ti 3 หลายเดือนก่อน

    Sahi bande ko laya hai for information

    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, Thank you! I'm glad you found the information valuable! Your feedback means a lot! 😊
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  • @shamshuddinmujawar5124
    @shamshuddinmujawar5124 2 หลายเดือนก่อน

    Sir my dad died past month and last year he had taken a policy of life insurance and also he had gone through a angioplasty in 2019 and now the company is saying that my dad had not submitted the past medical records

    • @bitv_
      @bitv_  2 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, My heartfelt condolences for your loss. 💔 It can be frustrating dealing with insurance matters during such a tough time. Make sure to communicate clearly with the insurance company and gather any available medical records. If you need support in navigating this process, I’m here to help.
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  • @gillvikramjitsingh427
    @gillvikramjitsingh427 3 หลายเดือนก่อน

    V Good information ❤

    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, Thank you so much! ❤️ We’re glad you found it helpful!
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  • @lifeguru111
    @lifeguru111 11 หลายเดือนก่อน

    Lic diabetes logo ko policy nahi deti hai....last 3 months me 3 proposal ko dropped Kiya.....

  • @avijitmaity1552
    @avijitmaity1552 3 หลายเดือนก่อน

    If someone diagonise any problem after purchasing the producy then what to do?

    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, It's important to check the warranty or return policy of the product. Usually, you can contact customer service for assistance or to discuss potential returns or exchanges. If you have specific concerns, feel free to share!
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  • @sureshpatel-pk9jn
    @sureshpatel-pk9jn 3 หลายเดือนก่อน

    Sir what about section 45 , in this section no any questions asked by company after completing 3 yr, is it true????

    • @bitv_
      @bitv_  3 หลายเดือนก่อน +1

      Thank You so much for taking interest in our channel, Great question! Section 45 does have specific provisions regarding policy claims after three years. Generally, it means that after the initial three years, insurers cannot contest the validity of a policy based on misrepresentation. However, it's always best to read the policy details carefully or consult with a financial advisor for specific cases. Thanks for bringing this up
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  • @radhyasharda5638
    @radhyasharda5638 3 หลายเดือนก่อน

    Sir
    My son having by birth diesease, please suggest any suitable plan in market

    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, "I understand your concern, and finding the right plan for your son is very important. Please consult a financial advisor or insurance expert who can recommend the right plan based on your son's needs. There are several health insurance plans available that may cover congenital diseases. 🙏
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  • @sailabalamohanty-l1v
    @sailabalamohanty-l1v 4 หลายเดือนก่อน

    I disclosed my pre-existing disease, but three companies rejected my health insurance proposal. Now what is the best solution

    • @luckygupta9315
      @luckygupta9315 4 หลายเดือนก่อน

      Bhai 50 companions hai sabme apply kro koi na koi se de hee degi policy aapko.

    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, I'm sorry to hear about your experience. It's essential to be upfront about pre-existing conditions, but it can complicate getting coverage. You might want to explore specialized insurance providers that cater to individuals with pre-existing conditions or consider waiting for a specific period before applying again. Consulting with an insurance advisor could also help you find suitable options. Best of luck
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    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, That's a good point! Applying to multiple companies can increase the chances of finding one that will provide coverage. Just make sure to review the terms and conditions carefully. Thanks for the suggestion!
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  • @love_you_papaa
    @love_you_papaa 2 หลายเดือนก่อน

    क्या मुझे टर्म प्लान मिल सकता है अगर मुझे ब्लड टेस्ट में कुछ बीमारी आ जाती है जैसे फैटी लिवर, हाई ब्लड प्रेसर, मोटापा

    • @bitv_
      @bitv_  2 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, धन्यवाद आपके सवाल के लिए! 😊 टर्म प्लान लेने की स्थिति आपकी स्वास्थ्य स्थिति पर निर्भर करती है। अगर ब्लड टेस्ट में कुछ बीमारियां पाई जाती हैं, तो बीमा कंपनियां आपके मामले का मूल्यांकन करेंगी। कई बार आपको अधिक प्रीमियम देना पड़ सकता है या कुछ शर्तों के साथ पॉलिसी मिल सकती है। बेहतर होगा कि आप विभिन्न बीमा कंपनियों से संपर्क करें और उनकी शर्तें जानें। अगर आपको और मदद चाहिए, तो मैं यहां हूं! 🙏
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  • @humanitymyreligion.3998
    @humanitymyreligion.3998 2 หลายเดือนก่อน

    Meri wife ko RA ,SLE ki problem ho gye hai,koi policy nhi dey rha hai,

    • @bitv_
      @bitv_  2 หลายเดือนก่อน

      Thank You so much for taking interest in our channel, मुझे आपके लिए खेद है। 😟 यह बहुत मुश्किल स्थिति है जब स्वास्थ्य समस्याओं के कारण बीमा पॉलिसी प्राप्त करने में कठिनाई हो। कुछ बीमा कंपनियां विशेष शर्तों के साथ कवरेज दे सकती हैं। मैं सुझाव दूंगा कि आप एक बीमा विशेषज्ञ से संपर्क करें जो आपकी पत्नी की स्थिति को समझकर सही सलाह दे सके। आपके परिवार के लिए शुभकामनाएं! 🙏
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  • @promanboy6052
    @promanboy6052 4 หลายเดือนก่อน

    Operation happened in 10 year ago so we declare this before buy policy?

    • @luckygupta9315
      @luckygupta9315 4 หลายเดือนก่อน

      Haa verna claim nhi milega

    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel , This is an important question. 😊 It's essential to disclose all past medical history accurately when purchasing an insurance policy to avoid any issues later. Always seek clarity from your insurance provider. Thank you for your concern! 🙏
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    • @bitv_
      @bitv_  3 หลายเดือนก่อน

      Thank You so much for taking interest in our channel , Absolutely right! 😊 Providing accurate information is very important, otherwise, there might be issues with the claim in the future. For your own security, always provide clear details. Thank you! 🙌
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  • @perrytheplatypus199
    @perrytheplatypus199 หลายเดือนก่อน

    Capitalism ka kya doglapan jab hum saman kharidey to caveat emptor.
    Jab insurance ley to uberrima fides.
    Chit vi meri pat vi meri

  • @dbsdattatrayshinde6904
    @dbsdattatrayshinde6904 6 หลายเดือนก่อน

    I have same problem please guide me

    • @bitv_
      @bitv_  6 หลายเดือนก่อน

      "Sure! I'd be happy to help. Could you please provide more details about the problem you're facing? That way, I can offer you more specific guidance to resolve it."

  • @supravatghara9455
    @supravatghara9455 6 วันที่ผ่านมา

    Sir ji thikthak doctor ko bithao uw mein. Chiana mbbs ko kiu bathe rakhe ho. Specialist rakhne ko paisa nehi hai to company band kar do. Uw doctor 90% ped pata nehi hai. Kiuki chaina wala uw doctor panel company ke sath tie up karke rakha hai. I say all this w.r.t my experience wil more than 10 companies as posp.