Health Insurance Claim Can't Get REJECTED | DO THESE 3 THINGS ONLY | Gurleen Kaur Tikku

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  • เผยแพร่เมื่อ 23 ธ.ค. 2024

ความคิดเห็น • 103

  • @parekhshailesh
    @parekhshailesh หลายเดือนก่อน +1

    Your video's are very much informative.
    Should i declare lasik surgery done in past to my insurance company? Is there any loading for that?

  • @yogendersingh6480
    @yogendersingh6480 4 หลายเดือนก่อน +3

    Mam aapka samjhhane ka tarika bahut achchha hai

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Thanks a lot, keep watching !

  • @जानकारीऔरउपाय
    @जानकारीऔरउपाय 4 หลายเดือนก่อน +4

    बहुत अच्छे जानकारी मिलती है आपके चैनल पर धन्यवाद जी

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Thank you jee, keep watching !

  • @manojkumarmunna5270
    @manojkumarmunna5270 4 หลายเดือนก่อน +2

    You gave very good information related to the claim. Thank u very much

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Thanks a lot, keep watching !

  • @ravisharma9721
    @ravisharma9721 4 หลายเดือนก่อน +4

    आप बहुत अच्छी जानकारी देते मैडम उसके लिए बहुत बहुत धन्यवाद

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Thank you jee, keep watching !

  • @VJ-dx3hp
    @VJ-dx3hp 3 หลายเดือนก่อน +1

    Would migrating from HDFC Ergo's Optima Restore plan to the Optima Secure plan, while concurrently enhancing the base coverage from5 lakhs to 10 lakhs, invoke a renewed three-year waiting period for pre-existing diseases? I have maintained my policy for eight years. I would appreciate your expert guidance on this matter.

  • @ramyadav6687
    @ramyadav6687 4 หลายเดือนก่อน +1

    GOOD ADVICE MAM ❤️👍

  • @BALVINDER-Singh
    @BALVINDER-Singh 3 หลายเดือนก่อน +1

    Important questions -I took out a health insurance policy 11 years ago and upgraded it at one point. Since then, I have not had any health issues. If I file a claim now or near future (Rabb na kare), is there any possibility that it could be rejected? If so, under what circumstances could this happen?
    Note - None of my family member have any health issues in their childhood.

  • @agarwal2773
    @agarwal2773 3 หลายเดือนก่อน +2

    Mam the reimbursement process in niva bupa is VERY VERY VERY BAD. I had a claim and all documents are submitted on 10/07/2024. And in person verification also done in my home. Till today the company has not cleared the claim. I have called them 10 times per day but the customer care people are so badly informed and they said plz call with registered no. And when i call with the registered no.. no call is received . After 45 days Niva bupa asked for additional papers which was already submitted on day 1.
    I have not claimed yet and 60 days have passed.

  • @sakshidiwan
    @sakshidiwan 3 หลายเดือนก่อน +1

    Very helpful video

    • @GurleenKaurTikku
      @GurleenKaurTikku  3 หลายเดือนก่อน

      Thanks a lot, keep watching !

  • @lingarajpatra702
    @lingarajpatra702 4 หลายเดือนก่อน +1

    Very very very informative video 💯% ✅

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Glad it was helpful!
      Keep Watching !

  • @deepakkushwaha8600
    @deepakkushwaha8600 4 หลายเดือนก่อน

    Namaste mam
    Niva Health companion ko niva re assure2.0 m port kar sakte hai kya
    Or kya plus and negative point hai
    Niva health policy last 5 years se use kr raha hoon.
    Mam please help me on same.

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Hello jee, you can port your policy from Health Companion to ReAssure 2.0.
      You can find the comparison of both the plans easily online. Please do your due diligence before choosing any health insurance.
      #HealthInsuranceZarooriHai 😊

  • @kapil_Maheshwari
    @kapil_Maheshwari 4 หลายเดือนก่อน +6

    As u said company will not give a claim then what is the use of the moratorium period?? Means if I genuinely missed any information still moratorium will not work than it is just a fake benefit or what?

    • @samirkumarchowdhury3250
      @samirkumarchowdhury3250 4 หลายเดือนก่อน +1

      My question is same. Don't know whether she will reply or not.

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน +1

      If you forgot to inform then you can inform the insurance company through email also that you have so & so disease and company will acknowledge the same if you forgot to mention at the time of buying a policy or they will suggest you to inform the company at the time of renewal of the policy.

    • @kapil_Maheshwari
      @kapil_Maheshwari 4 หลายเดือนก่อน

      @@pankajpanchwagh4062 @GurleenKaurTikku aap sahi ho ye karna chahiye but what about moratorium benefit? Suppose koi disease 10-15 saal pehle kabhi hua tha bt ab uske kuch symptoms nahi bt acchanak firse ho jaye and hospitalized hona pad jaye tab kya moratorium benefit nahi milega? Karna kya hai n al sab pata hai baat moratorium benefit ki hai agar aisa rule hai ki 5 years baad aapka claim reject nahi kar sakte then reject nahi hona chahiye simple fir unhone batana bhul gaye ya pata hote huye bhi bataya nahi...

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน

      @@kapil_Maheshwari It is your duty to inform everything to the insurance company otherwise insurance company have right to reject the claim also company may terminate your policy.

    • @mdd3520
      @mdd3520 4 หลายเดือนก่อน

      ​@@samirkumarchowdhury3250
      Madam ne sab ko reply Diya hai jisane video accha hai unko

  • @pradeeppal5016
    @pradeeppal5016 หลายเดือนก่อน

    Hi Mam
    Mera 2022 se insurance buy Kiya hu star health ka, abhi recently mere self accident ho gaya tha.driving karte time,Mera claim inhone reject kar diya batya ki no requirement of hospitalization and reject kar diya.me dr se bat karke he admit hua tha kiv bhoot jada anchal suja hua tha.orthopadic ne he suggest Kiya and unhone kaccha plaster kiya hey.
    Abhi star valo ne yeah reject kiya hey.can you suggest me.kiv personal health insurance ka abhi bharosa ho nahi raha hey.ki age continue Karu yeah nahi.

    • @sunilwagh7098
      @sunilwagh7098 หลายเดือนก่อน

      Raise complaint with Bima Lokpal, it's online & free, it will help to get claim settled

  • @calistus255
    @calistus255 3 หลายเดือนก่อน

    Hi , I am a cancer survivor, I had cancer 10 years ago and since last 8 years I have been cancer free and have already working for 5 years and more where I get company insurance as claim amount is less was thinking of getting personal insurance.. and when I applied for personal health insurance last year I was rejected because I had cancer. After the new regulations from IRDA can now the insurance company cannot deny me a health insurance policy?

  • @ArpanMukhopadhyay93
    @ArpanMukhopadhyay93 3 หลายเดือนก่อน

    48 months se purane illness toh pre-existing disease nahi hogi according to IRDA. NO?

  • @AK-ww8wu
    @AK-ww8wu 3 หลายเดือนก่อน

    ❓Mam can you please guide if i purchase helth insurance from online aggregator & after few years im not happy with service(help with claim settlement), then can i renew same policy via another aggregator? Or i am stuck with same aggregator unless i buy new policy or port it..

  • @arbindakarmakar
    @arbindakarmakar 3 หลายเดือนก่อน

    Hllo mam @GurleenKaurTikku mera star health me policy tha.waha claim aisehi reject ho gaya . pehle to cashless reject ho gaya then Reimbursement me bhi reject ho gaya.abhi iska kya upay hain??please give me solution.

  • @christopherfernandes796
    @christopherfernandes796 4 หลายเดือนก่อน +1

    awesome information

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Glad it was helpful!
      Keep Watching 😊

  • @kapildevhosamani8032
    @kapildevhosamani8032 3 หลายเดือนก่อน

    MAdam ji, Mere claim rejected then i went to Ombudsman & Ombudsman award in our favor then also niva bupa rejecting further claim. with same Reason.... what will do...? Pls Suggest

  • @pradeepkrmahato7234
    @pradeepkrmahato7234 4 หลายเดือนก่อน +1

    Good information 🎉🎉

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Thanks a lot, keep watching !

  • @Pranjal-p6t
    @Pranjal-p6t หลายเดือนก่อน

    Maam..Meri wife ki gall bladder surgery hua tha but abhi uska paper nahi hai..toh without paper PED mei disclose karne ke baad bhi kya claim milega ke nahi ??

  • @narendragandhi3482
    @narendragandhi3482 3 หลายเดือนก่อน

    Where to file a complaint if National Insurance Company limited do not send written letter of claim rejection?

  • @sngemu5113
    @sngemu5113 3 หลายเดือนก่อน

    Is there any policy that will not reject claims whether one discloses the illness or not? Ofcourse, with higher premium.

  • @BALVINDER-Singh
    @BALVINDER-Singh 3 หลายเดือนก่อน

    Mam agar kissi girl ko insurance lene ke baad premenopose ho jate hai toh ye insurance policy ko btana hai?
    Is this comes under minor decease like fever and cough as she is never admit for this decease.

  • @babasharma0000000
    @babasharma0000000 15 วันที่ผ่านมา

    Is claim can be denied after moratorium period?

  • @bhaskarp3626
    @bhaskarp3626 4 หลายเดือนก่อน

    Hi madam can we port policy after few years or continue with same company..which is better

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 3 หลายเดือนก่อน

      @@bhaskarp3626 check all the features in your existing policy as well as the policy which you are doing a port.
      Mandatory things need to check while porting a policy or buying a new policy
      1. Insurance cover
      2. Room rent Limit should be at least AC Private room or no capping limit
      3. Co-Pay should be zero
      4. Cumulative Bonus at the time of renewal
      5. Day Care facility with unlimited cover
      6. ICU Expenses at actuals
      7. Pre & Post Hospitalisation at least 60 -60 days respectively
      8. Pre Existing Disease should cover from day 1 if you are porting your policy
      9. Specific Disease 2-3 years for new poicy & zero if your policy completed more than 4 years
      10. Annual Health Check-up

  • @Bhairavpharma
    @Bhairavpharma 3 หลายเดือนก่อน +2

    best company kaunsi hain Health Insurance ke liye

    • @GurleenKaurTikku
      @GurleenKaurTikku  3 หลายเดือนก่อน

      Hello jee, You can connect with us on WhatsApp/Call at 9650706699.
      Our team can suggest you with a few suitable options according to your requirements & medical history.

  • @mohitvashist86
    @mohitvashist86 4 หลายเดือนก่อน +1

    Mam icici bank ka health insurance kaisa ha

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      You can check our channel as we have many videos available on ICICI Lombard plans. You can check this latest plan : th-cam.com/video/cM0qA-GJwFE/w-d-xo.htmlsi=agYxX0fPy2i0OIpU

    • @mohitvashist86
      @mohitvashist86 4 หลายเดือนก่อน

      @@GurleenKaurTikku mam bank wla plan jo bank customer k lie hai

  • @RohitChoudhary-t6k
    @RohitChoudhary-t6k 4 หลายเดือนก่อน +1

    Hello mam, I have Niva Bupa medical insurance policy since 2021, i got admitted into a Hospital in May2024 for 5day for the treatment of Malaria for which i paid 93,000. So when i applied for reimbursement of my expenses, the insurance company is rejecting my claim on some stupid reason that i should not have got admitted to the hospital and as it could have been cured by medicines.. If a Doctor is recommending to get admitted, then what was i supposed to do?? What is my fault?

    • @dannaninancharaiah5328
      @dannaninancharaiah5328 4 หลายเดือนก่อน

      Bro, at the time of admission or in hospital time period, did u call or message to the health insurance company

    • @vikasgarglpl
      @vikasgarglpl 4 หลายเดือนก่อน

      If u had informed during the admission than it’s your fault
      Malaria is not any emergency condition

    • @akshaychintamani5687
      @akshaychintamani5687 4 หลายเดือนก่อน

      Niva Bupa is a scam

    • @rahulmetuku
      @rahulmetuku 3 หลายเดือนก่อน

      Niva BHUPA is a scam

    • @sunilwagh7098
      @sunilwagh7098 หลายเดือนก่อน

      Raise complaint with Bima Lokpal, it's online & free, it will help to get claim settled

  • @SagarDevi-s4c
    @SagarDevi-s4c หลายเดือนก่อน

    Maam mera claim reject kr diya kya kre prosiyo ke galt information ke karan

  • @samirkumarchowdhury3250
    @samirkumarchowdhury3250 4 หลายเดือนก่อน +1

    App issue pehele ek video me kaha tha ki moratorium period complete hone ka bad company koi vi claim deny nahi kar sakte ieh basis por ki PED disclose nahi kia bolke.
    Lakin aj kuch aur hi bata rahe ho app.
    Konsa sahi hay???

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน

      There may be a chance that the company may give a denial so it is better to inform all medical history to the doctor as well as the insurance company.

    • @kapil_Maheshwari
      @kapil_Maheshwari 4 หลายเดือนก่อน

      @@samirkumarchowdhury3250 exactly if moratorium hai toh hai fir...itna paisa dekar bhi mile huye benefit ka use nahi milega toh fir moratorium he q dena hai isse accha na he do taki jab time aaye toh afsos na ho ki benefit hokar bhi nahi mila

  • @navinkeswani6636
    @navinkeswani6636 4 หลายเดือนก่อน

    Mam i bought policy for my parents 2 years back
    That time my mom had thyroid which i declared to them and my father didnt have anything at that time but now he takes medicine for Bp
    Should i declare that at the time of renewal ?

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน

      @@navinkeswani6636 declare it immediately

    • @mohitchauhan589
      @mohitchauhan589 3 หลายเดือนก่อน

      Yes zaruri ha declare karo doctor ka prescription sambhal ka rakhna ya to renewal time batana ya phir apna broker ko bataoo.

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 3 หลายเดือนก่อน

      @@navinkeswani6636 declare your father's disease immediately to the insurance company through email.

  • @RohitChoudhary-t6k
    @RohitChoudhary-t6k 4 หลายเดือนก่อน

    Hello Mam, my niva bupa medical reimbursement claim for 93,000 for treatment of malaria got rejected for some stupid reason,, please help,, what am i supposed to do now??

    • @mdd3520
      @mdd3520 4 หลายเดือนก่อน

      Why rejected?

    • @RohitChoudhary-t6k
      @RohitChoudhary-t6k 4 หลายเดือนก่อน

      @@mdd3520 "patient was admitted primarily for diagnostic and evaluation purpose."

    • @sandeepcommunication5243
      @sandeepcommunication5243 3 หลายเดือนก่อน

      Go to consumer court

    • @RohitChoudhary-t6k
      @RohitChoudhary-t6k 3 หลายเดือนก่อน

      @@sandeepcommunication5243 what is the procedure for that?

  • @pardeepkumar3336
    @pardeepkumar3336 4 หลายเดือนก่อน

    Mam aap kha rahe hai ki.jo bhi desesa hote hai us ki file bana lo.but us k baad bhi company doctor ka accurate duration certificate mange aur doctor us k liye agree na ho tu kya karna chahiye. Kyu ki doctor sai hum consultation k liye jate hai tu consultation slip per nahi likhte ki aap ko first time diagnoses hua hai

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน

      You have your diagnostic or blood sample report & you can submit this reports to the insurance company & the doctor will not refuse to give such a letter.

  • @GopalRoy-nn6ft
    @GopalRoy-nn6ft 4 หลายเดือนก่อน

    Nope company cannot deny as per irdai new rule..

  • @somnathkhilare3959
    @somnathkhilare3959 4 หลายเดือนก่อน +1

    हाय मॅडम अगर मे पाच लाख का बेस कव्हर लेता हू और सुपर टॉप अप लेता हु तो ये फायदेमंद रहेगा या दस लाख का लेके सुपर टॉप ले लु अभी मेरा इस 32 हे क्या ये सही होगा. इस से प्रीमियम भी थोडा कम पडेगा आपका क्या विचार है क्या यह सही होगा

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน

      @@somnathkhilare3959 आप insurance purchase करते time policy ऐसी देखना जो insurance cover के साथ renewal time पर cumulative bonus देती है. कम से कम 10 लाख का insurance cover जरूरी है

  • @skylinegamer6313
    @skylinegamer6313 4 หลายเดือนก่อน +1

    🎉🎉

  • @NavalKishor-pn6wj
    @NavalKishor-pn6wj 4 หลายเดือนก่อน

    Star health insurance policy ka
    Comprehensive plan ka new video hai toh plz send me

  • @dilipmaurya7519
    @dilipmaurya7519 3 หลายเดือนก่อน

    Medical tests lena chaye
    Kyu ki agent sab Galt information dete hai

  • @LikeTheStories
    @LikeTheStories หลายเดือนก่อน +1

    Main insurance lega hi nahi. Paisa mera tension kyou palna , marna toh ek din hai hi.

  • @princeahuja.9
    @princeahuja.9 4 หลายเดือนก่อน

    But the ICICI Lombard elevate plan hit me 40% of the additional premium for pre-existing conditions 😢. I don't think it's justified 20% is justified i feel

    • @DEEPAKKumar-ev8cj
      @DEEPAKKumar-ev8cj 4 หลายเดือนก่อน

      Age?

    • @princeahuja.9
      @princeahuja.9 4 หลายเดือนก่อน

      @@DEEPAKKumar-ev8cj 43

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน

      @@princeahuja.9 I bought the policy of ICICI Lombard ELEVATE & I mentioned that I have a pre existing disease company give me a counter offer of 18% extra loading premium & i accept the same

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน +1

      @@princeahuja.9 The extra loading charged by any company is depending on
      1. Age of the policyholder
      2. The Pre Existing Disease from a number of years
      3. Severity of Pre Existing Disease
      4. The company has the rights to remove policyholders from the policy & continue the policy for the remaining people but if they are giving you extra loading means the company is accepting that if any claim arrives then we have to accept the claim of the mentioned policyholder.
      I will suggest you to accept the counter offer.

    • @princeahuja.9
      @princeahuja.9 4 หลายเดือนก่อน

      agreed but never denied the company loading only but I accepted at least under 30% because already I had a small old health insurance policy which they must consider but I think they didn't.

  • @saurabh0980
    @saurabh0980 4 หลายเดือนก่อน +1

    फिर Moratorium Period का क्या फायदा, कुछ भी मुंह उठाकर बस वीडियो बना लो।

  • @ravisharma9721
    @ravisharma9721 4 หลายเดือนก่อน

    आयुष ट्रीटमेंट क्या होता है मैडम उसमें भी वीडियो बनाया

    • @pankajpanchwagh4062
      @pankajpanchwagh4062 4 หลายเดือนก่อน

      @@ravisharma9721 Company is accepting the claims for the treatment of AYUSH
      The conditions from the insurance company are the policyholder should admit in registered AYUSH Hospitals only. The company will not accept the claim for OPD or Day care in AYUSH treatment.
      AYUSH stands for
      A : Ayurveda
      YU : Yunani
      S : Siddha
      H: Homeopathy

  • @perrytheplatypus199
    @perrytheplatypus199 4 หลายเดือนก่อน

    Capitalism is a joke
    Buying consmer goods: caveat emptor
    Insurance: uberrimae fidei

  • @GopalRoy-nn6ft
    @GopalRoy-nn6ft 4 หลายเดือนก่อน

    She looks more of a promotion agent so I can pay more premiums...bakwas.. educate is more on right how to get a better black even after denial

  • @saurabh0980
    @saurabh0980 4 หลายเดือนก่อน

    लगता है आप पॉलिसी कंपनी की एजेंट बनकर वीडियो बनाती हो

  • @vishalpisal980
    @vishalpisal980 3 หลายเดือนก่อน

    Star health insurance
    Claim intimation number चाहिये था
    2 दिन तक call करता रहा
    Customer care executive r bz इतनाही सुनता रहा
    Suport पे mail किया लेकिन कोई suport नही मिला
    फिर whtsapp number से कोशिश की लेकिन non network hospital के list mai mere hospital का नाम ही नही था
    जैसे तैसे Hospital name fill किया लेकिन submit option operate नही हो रहा था
    Worst worst
    Ward से कोई गंदा ward हो तो ओ भी worst होगा ऐसी service थी

  • @deepakkushwaha8600
    @deepakkushwaha8600 4 หลายเดือนก่อน

    Namaste mam
    Niva Health companion ko niva re assure2.0 m port kar sakte hai kya
    Or kya plus and negative point hai
    Niva health policy last 5 years se use kr raha hoon.
    Mam please help me on same.

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Hello jee, you can port your policy from Health Companion to ReAssure 2.0.
      You can find the comparison of both the plans easily online. Please do your due diligence before choosing any health insurance.
      #HealthInsuranceZarooriHai 😊

  • @RohitChoudhary-t6k
    @RohitChoudhary-t6k 4 หลายเดือนก่อน

    Hello Mam, my niva bupa medical reimbursement claim for 93,000 for treatment of malaria got rejected for some stupid reason,, please help,, what am i supposed to do now??

    • @vikashpandey1015
      @vikashpandey1015 4 หลายเดือนก่อน

      I m an advisor.....
      Claim islie nii mila qki wo bolenge Admission not required...Now, don't approach the company, Complain directly to the Ombudsman/Consumer Forum after making a pdf of all documents & information....
      You'll definitely get ur claim....

  • @deepakkushwaha8600
    @deepakkushwaha8600 4 หลายเดือนก่อน +1

    Namaste mam
    Niva Health companion ko niva re assure2.0 m port kar sakte hai kya
    Or kya plus and negative point hai
    Niva health policy last 5 years se use kr raha hoon.
    Mam please help me on same.

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Hello jee, you can port your policy from Health Companion to ReAssure 2.0.
      You can find the comparison of both the plans easily online. Please do your due diligence before choosing any health insurance.
      #HealthInsuranceZarooriHai 😊

  • @deepakkushwaha8600
    @deepakkushwaha8600 4 หลายเดือนก่อน

    Namaste mam
    Niva Health companion ko niva re assure2.0 m port kar sakte hai kya
    Or kya plus and negative point hai
    Niva health policy last 5 years se use kr raha hoon.
    Mam please help me on same.

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน

      Hello jee, you can port your policy from Health Companion to ReAssure 2.0.
      You can find the comparison of both the plans easily online. Please do your due diligence before choosing any health insurance.
      #HealthInsuranceZarooriHai 😊

  • @deepakkushwaha8600
    @deepakkushwaha8600 4 หลายเดือนก่อน +1

    Namaste mam
    Niva Health companion ko niva re assure2.0 m port kar sakte hai kya
    Or kya plus and negative point hai
    Niva health policy last 5 years se use kr raha hoon.
    Mam please help me on same.

    • @GurleenKaurTikku
      @GurleenKaurTikku  4 หลายเดือนก่อน +1

      Hello jee, you can port your policy from Health Companion to ReAssure 2.0.
      You can find the comparison of both the plans easily online. Please do your due diligence before choosing any health insurance.
      #HealthInsuranceZarooriHai 😊

    • @ritnagpal
      @ritnagpal หลายเดือนก่อน

      ​@@GurleenKaurTikkumam is plan ko care me port kar skte he best he ki nhe niva health companion he since 2019 se pls reply