I don't understand Hindi language but some how I was able to understand your video as you have given the details in English words. Thank you so much for the video, I'm in the process of purchasing a personal health insurance for my family so I would ask this questions with them before purchasing the policy. Thank you❤
Thank you for your simple yet very informative explanation abt the new guidelines. Indeed it will be very helpful for a policy holder.. I appreciate the initiative of IRFA and appropriate effort to explain and making it simple to understand. Thank you once again..
Thanks a lot; for such a brief review. My mother is now under a health insurance policy(group plan) since 2019 under HDFC ERGO and Bandhan bank, purchased through Bandhan bank. Now their tie up is over, so the existing policy could not be renewed any more. She is now 65 years old suffering from BP, cholesterol and hypothyroidism. HDFC ERGO said that group plan can not be migrated. Now according to the rule 11 of IRDAI, migration of plan in indemnity policies, said plan can be migrated to HDFC ERGO retail plan(in the same insurance company).? Please guide me. Thanks in advance
Add : agar ombudsman ke award ko timely company honoured nahi krti to per day 5,000/- ki penalty insured ko as a compensation deni padegi... Kindly refer to page 10 clause 20 of the said master circular....
Hi...the 13th point is live now right? As I have taken 3 years HI one time but i have asthma but it has been a decade now i am not having any issues with asthma but i have not mentioned the same in policy but now if i am with company more than 5 years now it can now easily get covered with the same disease if something happened right???
Thanks ,my family floter helth policy since 2014 in neva Bupa company 2019 mein HDFC ergo me port kra le but 2020 se renuel Nehi Kari kya aab renuel ho sakti hai please help me
I have been having a group medicare policy with Canara Bank, originally with Apollo Munich from 2018 and TATA AIA from 2020. Is it possible for me to port to a retail policy?
5 years ka Moratorium period toh 1 April 2024 se hi applicable ho chuka hai as per IRDAI. But I have purchased a policy this month, usme 8 years h moratorium period. What can I do now? Company customer care wale bol rahe h ki abhi koi update nahi h. Solution??
@@senguptasentertainment8790 star health insurance avi tk ya morotarium period 5 year nahi aaya hai? Mera agent mana kar raha hai ya rule avi lagu nahi hua hai... please confirm with star health insurer with your side
Madam mera ombudsman se award mil gya hai lekin insurance company wale paisa nhi de rehe hai 4 mahina pehle award mil tha wo bol rahe hai ki wo high court me Jayenge ab aage hm kya kare
Excellent information . Thank you Madam. Today Morning I have done Star Comprehensive Policy . According to you I disclose all my Prescription, Blood Report , vaccination etc. Thank you Madam
National Insurance company Ltd and its TPA Heritage Kolkata has rejected a sum of Rs 50218/- OT- Consumables in Hospital bill what is the solution for it
Helth insurance policy done by bank customer (bank group) can be migrated within the same company, either on an individual or floater basis, please clarity.
I along with my wife have health insurance policy of Nova Bupa. Last year, we paid Rs. 55,000/- on account of annual premium. Now, our health insurance policy is due for renewal. This time health insurance company is asking Rs. 75000/- for annual premium, which is not justified. Please advise what should we do?
I am existing customer of National Insurance Company. I online did procedure to port my policy to ICICI LOMBARD. BUT DUE TO my DVT Problem in leg 14th ago and this year there is no problem to me . Still ICICI LOMBARD COMPANY REJECTION TO GIVE ME INSURENCE EXCEPT MY FAMILY MEMBERS 3 PERSON.
Thanks for this important information. After paying premium for 5 years, the claim will not be rejected. This applies to both medical insurance and Term insurance??
Thanks for nice discussion and new informations i had applied for migration in care form icici lombard as i had disclosed my health problembs care has given me a counter offar with a bundle of permanent exclusions which i had refused and requested for cancellation and refund but my refund is un necessarily delayed saying NEFT is missing in spite of sending a cancelled cheque by me one month back pl advise me
Dear Madam, Care Supreme plan hai mera, 2 years chal raha hai. Recently hospitalized huwa tonsillitis ka deases pe, without surgery. Claim rejected. I think I was supposed to get claim settlement.. could you please clear my doubts?
Mam my relative has policy from October 2018 i.e; 5.5 years till date and has hernia which is from past 10 years and he has not disclosed in his policy starting because he was not aware of that. Will he get claim now due to moratorium period benefit?
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history. Thank you
Regarding point 13 you have covered in the video which mentions that Policy / Claim cannot be contested after 60 months of continuation. But what if a policy-holder has migrated to a different plan within the same insurance company ? OR what if the policyholder has ported to a different insurance company ? - will this clause still hold true?
hello…some companies are providing protection for list 1 for non medical items.list 2,3 and 4 are charges which are subsumed to be part of room ,diagnostic procedure treatment etc.does it means they are covered automatically and only we need list 1 add on cover
Yes, mere pas yea policy he. Email Aya he withdrawal ka. 2 din pehle hi Mera 1 cashless claim Pura approve Hua. They r very good in giving claims, as per my experience
Mam ye to batao ki pre existing disease ydi bachpan me thi aur thik ho gyi, or 6/7 sal phle koi Disease thi medicine leke thik ho gyi but in sb ka koi document available nhi hai to kaise disclose kren...
Mam kya health insurance company claim dene ke liye mobile location track kar sakti hai ya mang sakti hai customer se ?? Agar aapko pata ho to please bataye
@@GurleenKaurTikku ma'am ager same company mai migration kare another plan to kya migration benefit milaga, star health wale to avi mana kar raha hai, unka kahana hai moratorium avi 8 year he hai
Nice video. One question - How will moratorium period be calculated for existing policies? For example for policies started last year will they have 8 years of moratorium or will it be 5 years counted from next renewal?
मैडम अगर किसी ने अपनी प्रे-एक्जिस्टिंग डिजीज कंपनी को नहीं बताई और उसे पॉलिसी में मेरीटोरियम पीरियड भी लागू हो गया है क्या कंपनी उसका क्लेम रिजेक्ट कर सकती है
As per the clause, After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy. However, not advisable to buy policy on non disclosure
I respect u mam. U r the person who's informative video about HDFC Ergo health insurance encouraged me to buy the optima secure in 2022.Thnks a lot.
Thanks to IRDAI for such great and welcome steps and spl.thanks to you for sharing & explaining everything to your viewers. Kudos once again..!😊😊
Glad that you found our video informative, keep watching !
I don't understand Hindi language but some how I was able to understand your video as you have given the details in English words.
Thank you so much for the video, I'm in the process of purchasing a personal health insurance for my family so I would ask this questions with them before purchasing the policy.
Thank you❤
Excellent summary of the new rules. Absolutely fluent delivery.
Thank you for this very very useful service.
God Bless.
Thanks a lot, keep watching !
Yeh sab medical insurance point Batane ke liye Thanku
Great, Madam, in detail information given by which each and every information useful for me, Thank you so much
Thanks a lot, keep watching !!
Nice informative analysis of IRDA master circular 5 sep 2024, thank you mam.
Keep watching FOR MORE SUCH INFORMATIVE CONTENT.
Fantastic Gurleen for your video it makes common person very very easy to know what’s going on thanks a lot 🙏
Most welcome jee :) Keep watching!
Madam You explain very simply way. Thanks
Thanks a lot. Keep Watching & do Subscribe !
Thank you for your simple yet very informative explanation abt the new guidelines. Indeed it will be very helpful for a policy holder.. I appreciate the initiative of IRFA and appropriate effort to explain and making it simple to understand. Thank you once again..
Thank you s much, keep watching for more such informative content.
Very good information for all health insurance policies holder's. Thank you Madam.
Thank you so much Gurleen ji for health insurance awareness. Your information is very crystal and clear. Again thanks 🙏
Thanks a lot, keep watching !
Thanks a lot; for such a brief review. My mother is now under a health insurance policy(group plan) since 2019 under HDFC ERGO and Bandhan bank, purchased through Bandhan bank. Now their tie up is over, so the existing policy could not be renewed any more. She is now 65 years old suffering from BP, cholesterol and hypothyroidism. HDFC ERGO said that group plan can not be migrated. Now according to the rule 11 of IRDAI, migration of plan in indemnity policies, said plan can be migrated to HDFC ERGO retail plan(in the same insurance company).? Please guide me. Thanks in advance
Policy migration ho jayega optima secure pe
Apko branch office Jana padega all documents leke . Bm apko help korega
Migration is possible, please contact the nearest HDFC ergo branch
Excellent information thks for sharing this wonderful clipping 🎉
Thanks a lot, keep watching !
Gurleeen dear
Bhahot badiya explain kiya as usual very fast Girlee:)
Thanks a lot, keep watching !
Thanks for this detailed explanation. This resolved my lots of query and doubts. Thank You❤
Glad it was helpful !
Thanks a lot Ma'am for most Important Info.....
Many doubts are clear through this video.....
Glad, keep watching for more such informative videos.
Very Informative Video for Health insurance advisor also.
True.
Keep watching for more such informative videos.
Thank you very much Ma'am for explaining everything very nicely.
Keep watching !!
Thank you Gurleen ji..you r the best in business!
Thank you so much, keep watching !
Good information regarding INSURANCE benefits🤗👏👏
Thank you for your detailed explanation.
Glad it was helpful, keep watching !
Thank you so much. This really helps everyone.
Glad, Thank you & keep watching for more such informative content.
Add : agar ombudsman ke award ko timely company honoured nahi krti to per day 5,000/- ki penalty insured ko as a compensation deni padegi... Kindly refer to page 10 clause 20 of the said master circular....
Hi...the 13th point is live now right? As I have taken 3 years HI one time but i have asthma but it has been a decade now i am not having any issues with asthma but i have not mentioned the same in policy but now if i am with company more than 5 years now it can now easily get covered with the same disease if something happened right???
Superb explanation. Thanks a lot
Thank you jee, keep watching !
Most awaited video.Thanks Gurleen.
Thanks a lot, keep watching !
Thanks for the updates Mam 🎉
Thanks a lot, keep watching !
Nice presentation. Very informative video 👍
Thanks a lot, keep watching !
Superb information mam thank you so much 🙏🙏
Thank you , keep watching !
Dental and dermatologist ka milega kya??
Thanks ,my family floter helth policy since 2014 in neva Bupa company 2019 mein HDFC ergo me port kra le but 2020 se renuel Nehi Kari kya aab renuel ho sakti hai please help me
I have been having a group medicare policy with Canara Bank, originally with Apollo Munich from 2018 and TATA AIA from 2020. Is it possible for me to port to a retail policy?
Very Useful Information Thank You so Much Mam 😊
If I have purchased a policy in 2022 and the said policy surrender in 2025, what will be the surrender value?
Thanks. Very informative video.
Glad it was helpful, keep watching !
Thankyou mam for the valuable info .
Thank you, keep watching for more such informative content !
Hdfc me grace period nahi milla
Ye poorani policy par bhi applicable hoga ya phir circular implementation ke bad jo policy le ga uske liye applicable hai.
I think It will be implemented on new policy and ur will be new one after renewal of ur existing policy...
Ys it will be when u will renew ur policy ....
5 years ka Moratorium period toh 1 April 2024 se hi applicable ho chuka hai as per IRDAI. But I have purchased a policy this month, usme 8 years h moratorium period. What can I do now? Company customer care wale bol rahe h ki abhi koi update nahi h.
Solution??
30th September 2024 tak sabhi health insurance policies me IRDA updation aaye jayenge
@@senguptasentertainment8790 Thanks for the update. Was looking for this answer.
@@senguptasentertainment8790 ye rule 1 April se applicable hona tha
@@senguptasentertainment8790ye rule 1 April se applicable hona tha
@@senguptasentertainment8790 star health insurance avi tk ya morotarium period 5 year nahi aaya hai? Mera agent mana kar raha hai ya rule avi lagu nahi hua hai... please confirm with star health insurer with your side
Nice..interesting informations sharing..
Thank you jee, keep watching !
Lets say Agar inme se kuch follow nhi kiya insurance company ne complaint kise krna hai? Insurance company ko ya irdai...
Madam mera ombudsman se award mil gya hai lekin insurance company wale paisa nhi de rehe hai 4 mahina pehle award mil tha wo bol rahe hai ki wo high court me Jayenge ab aage hm kya kare
Excellent information . Thank you Madam. Today Morning I have done Star Comprehensive Policy . According to you I disclose all my Prescription, Blood Report , vaccination etc. Thank you Madam
Great jee
Excellent knowledge shared
National Insurance company Ltd and its TPA Heritage Kolkata has rejected a sum of Rs 50218/- OT- Consumables in Hospital bill what is the solution for it
Check if its covered in your policy
Helth insurance policy done by bank customer (bank group) can be migrated within the same company, either on an individual or floater basis, please
clarity.
Bank policy port Nehi hoga.
Bank policy can't be ported.
@@GurleenKaurTikku Thank you 🙏
Awesome & informative video Gurleen Kaur ji! Can a kidney donor buy a health insurance policy?
Very nicely explained
Thank you so much 🙂
Care health irda ke circular nahin manti mera genuine ciaim ped ke basis pe fraudulent kahke reject kar diya moretorium ki shart puri hai.
I along with my wife have health insurance policy of Nova Bupa. Last year, we paid Rs. 55,000/- on account of annual premium. Now, our health insurance policy is due for renewal. This time health insurance company is asking Rs. 75000/- for annual premium, which is not justified. Please advise what should we do?
Thanks for important updates
Thanks, keep watching !
Thanks for sharing this information
Thanks a lot, keep watching !
Mam abhi new policy lena sahi rahega yaa phir July k baad he policy buy kare,,,
I am existing customer of National Insurance Company. I online did procedure to port my policy to ICICI LOMBARD. BUT DUE TO my DVT Problem in leg 14th ago and this year there is no problem to me . Still ICICI LOMBARD COMPANY REJECTION TO GIVE ME INSURENCE EXCEPT MY FAMILY MEMBERS 3 PERSON.
So much helpful.
Glad it was helpful, keep watching !
Mam. ji thanks for detailed information
Thanks a lot, keep watching !
Thanks for updating
Thank you , keep watching !
When did this circular given?
Mam really thank you so much for giving detail information regarding Health insurance.
Kindly request you please give home insurance details.
Thanks for this important information.
After paying premium for 5 years, the claim will not be rejected. This applies to both medical insurance and Term insurance??
This particular circular is for Health Insurance.
Thanks for nice discussion and new informations i had applied for migration in care form icici lombard as i had disclosed my health problembs care has given me a counter offar with a bundle of permanent exclusions which i had refused and requested for cancellation and refund but my refund is un necessarily delayed saying NEFT is missing in spite of sending a cancelled cheque by me one month back pl advise me
How are the insurance policies looking into this new rule
Will these be applicable for new policy only or for previous policy also ?
Dear Madam,
Care Supreme plan hai mera, 2 years chal raha hai. Recently hospitalized huwa tonsillitis ka deases pe, without surgery. Claim rejected. I think I was supposed to get claim settlement.. could you please clear my doubts?
Thank you for sharing
Thanks a lot , keep watching !
Jisne policy feb 2024 mai li hai uska morotarum period konsa rehega and kab count hoga
Thanks in advance for reply
Mam my relative has policy from October 2018 i.e; 5.5 years till date and has hernia which is from past 10 years and he has not disclosed in his policy starting because he was not aware of that. Will he get claim now due to moratorium period benefit?
If he was not aware why should he disclose?
Pl make video on GIC Also
Bajaj silver policy renewal date is 23th June 2024. Wanted to port to any good policy. Let me know the formalities.
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history.
Thank you
What about health issues related to child birth ?
Very informative video
Thank you jee, keep watching !!
Very nice program
16 no points we face for discharge
Good Decision
👍
Wow Maim You Are a Master on your Profession
Thank you so much, keep watching !
All are blessing of Modi and IRDAI. A very nice move
Great Ma'am thank you
Thanks a lot, keep watching !
My grandmother has parkinson and i have purchased care freedom, there is no other policy
Thanks for update ma'am
Keep watching for more such informative content.
Nice presentation
Thanks a lot, keep watching !
Regarding point 13 you have covered in the video which mentions that Policy / Claim cannot be contested after 60 months of continuation. But what if a policy-holder has migrated to a different plan within the same insurance company ? OR what if the policyholder has ported to a different insurance company ? - will this clause still hold true?
It's doesn't matter u had migrated or port will be applicable on all..
It is applicable on Migration / portability as well, if the policy is renewed without the break
hello…some companies are providing protection for list 1 for non medical items.list 2,3 and 4 are charges which are subsumed to be part of room ,diagnostic procedure treatment etc.does it means they are covered automatically and only we need list 1 add on cover
Few companies are covering list 1 and few are covering list 1,2,3,4 .
The claim is paid out accordingly.
Sbi k Arogya plus policy withdraw kr rha hai . Iske baremay video banaiye.
Yes, mere pas yea policy he. Email Aya he withdrawal ka. 2 din pehle hi Mera 1 cashless claim Pura approve Hua. They r very good in giving claims, as per my experience
Thanks for enlightening us.but madam I have a question,will the insurance company follow the rules and regulations of IRDAI?
yes, they will
Ma'am it's a request can you please make a video on kotak life and health insurance review kind of
Btw awesome videos ma'am
Yes, we will bring up a video soon.
Keep Watching !!
Mam ye to batao ki pre existing disease ydi bachpan me thi aur thik ho gyi, or 6/7 sal phle koi Disease thi medicine leke thik ho gyi but in sb ka koi document available nhi hai to kaise disclose kren...
Disclose karna zaroori hai
Thank you ma'am
Thanks a lot, keep watching !
Migration kya once in a lifetime hai ya hum multiple times migrate kar sakte hai ?
It can be multiple times
Mam kya health insurance company claim dene ke liye mobile location track kar sakti hai ya mang sakti hai customer se ??
Agar aapko pata ho to please bataye
Not sure jee, Haven't come across any such incident
Thanks🙏
Keep Watching !
Madam do you think they will cover PED like IBD , UC , Crohns ?
Please advice
They may cover in future
Thanks ❤
Keep watching for more such informative content.
Thanks mam 🙏🏽
Thank you jee, keep watching !
Are everything and every medical conditions covered after the moratorium period within the sum assured?
Yes, covered
@@GurleenKaurTikku ma'am ager same company mai migration kare another plan to kya migration benefit milaga, star health wale to avi mana kar raha hai, unka kahana hai moratorium avi 8 year he hai
Niva bupa is really best in market
👍
Nice video. One question - How will moratorium period be calculated for existing policies? For example for policies started last year will they have 8 years of moratorium or will it be 5 years counted from next renewal?
Yes, from next renewal
@@GurleenKaurTikku Thanks
Thank you mam
Keep watching !
Surrender value of old policies.
मैडम अगर किसी ने अपनी प्रे-एक्जिस्टिंग डिजीज कंपनी को नहीं बताई और उसे पॉलिसी में मेरीटोरियम पीरियड भी लागू हो गया है क्या कंपनी उसका क्लेम रिजेक्ट कर सकती है
As per the clause, After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy.
However, not advisable to buy policy on non disclosure
Thanks madam आप बहुत अच्छे तरीके से डिस्क्राइब करती हैं 🙏🙏🙏🙏
Madam SBI super health pe vdo banaye
Sure, we will bring up a video soon.