Hello Gurleenji !! I have two queries with regards to Nivabupa Reassure. 1) Incase we have forgotten to mention a particular PED at the time of policy purchase, Can we disclose the PED at the time of 1st renewal ? If yes, Will the company provide a revised proposal form mentioning the newly disclosed PED in the new policy Kit ? 2) Will the 3 years waiting period apply from the date of purchase or date of renewal for the newly disclosed PED ?
@GurleenKaurTikku
2 жыл бұрын
Hello Tushar jee, I remember that we spoke last year in July. Answering your questions below: 1. You can inform the company, however the final decision rests with insurance company , whether you can continue your policy as it is or they levy exclusions / loading or they terminate the policy. They will not provide any revised proposal form. That is why it is extremely important to be very careful at the time of buying the policy about PEDs. 2. It can be levied from the date of disclosure
@tusharraikar7115
2 жыл бұрын
@@GurleenKaurTikku : Thanks for your response Gurleenji !!!
@deepakdang8379
Жыл бұрын
@@GurleenKaurTikku Namaste ji, Mam mujhe bp hai doctor ne 2 test karane ko bole hai 13000 ke dono honge, goli le Raha hu, kya birla platinum enhanced policy le sakta hu, usme day 1 se bp cover hota hai, ya apne aap test Kara lu, pehle mere pass hdfc ergo thi, usme ab 25% har claim par copay lagne laga toh maine renew nahi karayi, ya policy karakar 1 mahine baad naya OPD card banwakar naye sire se ilaaz birla policy ko batakar shuru kar sakta hu.
@deepakdang8379
Жыл бұрын
@@GurleenKaurTikku mam maternity cover na chahiye ho , pregnant lady ka health insurance karwa sakte hai ?
@nikhiliciouss
11 ай бұрын
Hi Mam, my mother is 61 now & having rumo arthritis....and I want to buy a health insurance for her. its just a pre stage of arthritis, she is doing well as of now. But as per insurace agent company will not issue policy because of her problem...please advise
@rajivdey5572
25 күн бұрын
very very big thankyou, ma'am. from last 20 days what I have been searching is ending here. I was eager to take a health insurance for my 55 years old mother. with history of two operation, and few other diseases currently. my agent was pushing and suggested not to mention any diseases because of waiting period and pre-existing diseases, the agent was calling every day. I wanted to take the insurance but, also thinking that I have to pay 15k every year, and when I go for clam, what if insurer company deny my clam because of waiting period or Pre-existing diseases. I will not going to waste my money on hope. thanks again. In my thought to get the best benefit from Health Insurance, person has to be lucky. person with no history of illness but in future in 2 to 4 years they will go through major health issues.
@manishmayank8024
2 ай бұрын
Hi Gurleen, I am 32 years old and I donated my left kidney to my mother 10 years ago (2014). Am I eligible for any health insurance? If yes, what insurance company I can try?
@rajdipacharjee916
2 ай бұрын
If anyone dont know about his PED at the time of taking the policy and after 3 years of taking star youngstar (silver)policy he came to know that he has Atrial Septal Defect (ASD)in heart which need to be operated soon. Then what is the claim process?
@saidulali2344
22 күн бұрын
Is it important to mention the diseases of the parents in the health insurance? Currently I have no problem but my father had heart problem.
@GurleenKaurTikku
22 күн бұрын
Yes, it is important to disclose the medical conditions.
@saidulali2344
22 күн бұрын
@@GurleenKaurTikku Even though my father is not included in the policy, father's problem must be mentioned
@saidulali2344
22 күн бұрын
@@GurleenKaurTikku thank you so much
@VISHALSINGH-tm1ly
8 күн бұрын
india me insurance sabse bada scam hai, paise lene me ye log aage rehte hai and dene ke time pe inko problem ho jata hai
@adish._.kumar.
22 күн бұрын
Jb sb kch btane k baad bhi aapko policy nhi dena chah rhi hai company toh hm khud ko insure kha se rkhe, iske liye v kch solution hona chahiye na mam, ab mujhe airthritis hai and i talked to hdfc ergo, tata aig and they both rejected my proposal, toh ab mai kha se insurance lu jb sb hi mujhe reject krre hain
@Rishabhsingh-kn8wu
2 жыл бұрын
Dear mam as u said company can reject your claims even if PED not related to your claims. lets say if i have ABCD any one of these condition and i didnt disclose at the time of buying the policy and i got an accident and got hospitalised nd disclose to the dr. i have BP from last 1or2 yrs so in this case my claim will be sattle or reject?? This is breach of utmost good faith.
@siddharthkulkarni9699
2 жыл бұрын
Hi madam I am Siddharth Kulkarni following you for past 6 months I want to ask you my mother suffering for CKD CURRENT ON DIALYSIS WITH PED THYROID HYPERTENSION So my question is that i want buy policy but no insurance agent attended because I am disclose the PED I have a insurance policy of start health but I do not disclose the PED that's why insurance policy cancel the policy So point is that any company accepts my patience WANT A REPLY FOR YOU MADAM PLEASE 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
@kunaljain7785
Жыл бұрын
Hi Mam! I have taken star top up policy we’re I have disclosed all the pre existing disease of my parents. They asked for some doctors consultation papers & documents & issued me the policy , now the policy papers say This insurance policy is subject to various exclusion including exclusion for pre-existing diseases & conditions in this policy. They have not mentioned any word like permanent exclusion, so thought you are the best person to let me know what it means. Thanks.
@vaibhavsharma6548
Жыл бұрын
Ma'am, 1 of the insurer has declined my parent's insurance proposal this weem due to an existing skin disease whoe treatment is going on. Although this disease is out patient, should I declare it while exploring further insurers?
@SparkUpLife247
8 ай бұрын
Fever, viral infection, cough, cold ye sab history bhi batani jaruri he? Ye sab pre existing diseases me aati he? Please reply ma'am
@GurleenKaurTikku
8 ай бұрын
No, but if there was something for long term or diagnosed specifically or any hospitalisation should be disclosed
@TOBongExpress
Жыл бұрын
If policy terminated will we get the premium refunded?
@karthikyadavar245
10 ай бұрын
Termination mai refund nhi aata
@amanjaiswal6583
4 ай бұрын
My father had open surgery for kidney stone 13 years ago. In 2022 and 2023 got health insurance in HDFC ergo. Then ported to Star Health Insaurance and in both companies does not disclosed about kidney stone surgery. And few days ago got admitted in hospital for kidney swelling problem and went through a minor operation admitted for 2days in hospital. And i want to claim expenses. Will i get claim from star ?
@yousufpasha8184
2 жыл бұрын
Mam Kya super Top Up me bhi 8 years moratorium applicable hota hai ya sir basic health insurance me hi, please reply & make one video on this topic it's very useful
@GurleenKaurTikku
2 жыл бұрын
Yes, applicable for super top up too
@Princek0707
3 ай бұрын
You have given an example that a patient who has BP problem, he is on medication, and in policy, he told the same to the company, and if his stone case comes then company will reject his claim, why? Can you please explain it. Thank you
@piyushdumkabusiness
Жыл бұрын
Very useful video really mam aap ne simple language m समझा दिया पॉलिसी कराने से पहले सब साफ बता देना चाहिए नहीं तो policy लेने का कोई फायेदा नहीं
@GurleenKaurTikku
Жыл бұрын
Ji, bilkul. Keep Watching & do subscribe !
@nairnikhil92
10 ай бұрын
I have mentioned in the proposal form about the ped and attached all medical history, but when I got the policy it was written no PED but when I got televerification and called the customer care they told that they received the medical history documents, I have purchased from Agent, star assure, what to do now to get it added in the policy itself.
@hanumanthusrinivasrao3333
5 ай бұрын
For example, I have taken a policy today and have not been hospitalized for 5 days or even 1 day since birth. Now I can confidently relay this in tele underwriting. Comming to BP, Diabaties, etc. have not yet been tested, so we are not aware of any deviations from this. We confirm in teleunderwriting that these issues do not exist. As we have not tested them earlier and we have not felt any symptoms of it before taking insurance, what will happen in the future if there is a claim related to it and it turns out it happened before the policy. Please reply
@A2space
2 жыл бұрын
Ma'am I have hidden medical history... After one year can I declare hide medical history about me and my family
@GurleenKaurTikku
2 жыл бұрын
You can but the decision will be as per the company's medical underwriting team.
@nayanika2046
5 ай бұрын
Taking alcohol in occasional can be disclose?
@GurleenKaurTikku
5 ай бұрын
You should disclose.
@varshapatil2800
9 ай бұрын
Madam .... policy lene kebad waiting period...2yr complete hota hea to ...BP., diabetic. . Ditect hotoa to company Clem pass karti hea Kay..?
@MICROVISIONDETECTIONS
Жыл бұрын
मॅडम हमने ५ साल से ज्यादा तक हमारे महाराष्ट्र बँक सेविंग अकाउंट से फॅमिली मेडिक्लेम पॉलिसी ले रखी थी "महाआरोग्य" ज्यो युनायटेड इंडिया इन्शुरन्स की तरफ से अभी उन्होंने उनका टायप था पर अभी हमे बताये बीना वो टाइप कॅन्सल कर दिया है तब हमे अब हमारी पॉलिसी कंटिन्यू कैसे करना है ? अभी तो पोर्ट भी नही कर सकते तो हम कया करे ? कृपया कुछ सोल्युशन बताईये ! 🙏
@pyaracetamol584
10 ай бұрын
Should we mention Occasional gastritis/ heartburn as well?
@haanrey
2 жыл бұрын
thank you for the awareness
@GurleenKaurTikku
2 жыл бұрын
Thank you so much !
@user-hh6fh4hz6d
9 ай бұрын
Hello do i have to tell my health condition and new deseases like skin deceases every year to insurance policy?
@akashdevdhe3814
2 жыл бұрын
Hi ma'am maine health insurance policy li thi Feb2022 mai tab koi PED nhi thi ab may 2022 mai mujhe Kidney stone hua h so kya mujhe abhi insurer ko inform krna chahiye ? aur policy ka PED ke liye 1yr ka waiting period tha aur mera major nhi h next yr tak to koi claim bhi nhi ayega..kya ye abhi inform krke 1yr waiting period complete ho skta h ya fir next yr renewal ke waqt inform krke fir 1yr waiting krna padega?
@kalyanmishra6650
2 жыл бұрын
Kidney stone waiting period is two years, After two years kidney stone will be covered.
@s....982
Жыл бұрын
Yes apko comapny ke mail I’d prr btana chaiye ….mujhe pta chal gya young star policy he ….sare documents ko scan krr ke , mail krr do ya customer care ko call krr lo….
@s....982
Жыл бұрын
@@kalyanmishra6650 ,kya question wo samajho fir answer do….
@deepakdang8379
Жыл бұрын
1 saal stone lekar kaise jiya, main ralayta village gaya tha ujjain vaha niklawa di thi.
@peachincoroporation9816
Жыл бұрын
Hello mam I am 38 yrs old born in 1984 i want to buy health insurance policy till date i don't have any medical condition nor taking any medicines now after watching your videos i plan to buy one for the unforseen circumstances but my question is that if lets say after taking policy i am dignose with any critical illness than company will pay my claim or not As i am not aware that any illness is there or not Now if i have illness that i am not aware of and after taking policy i am dignose with that so what are the chances company will give my claim or reject it. One more thing lets say for 5 yrs i am paying my premium and after 5 yrs i am dignose with any critical illness than it is possible company can reject my claim by giving any reason. Pls reply thanks
@taranaeducaresolution2991
10 ай бұрын
Madam Mera Reheumatoid Artharaities hai pichcle 10years se.mrea policy ho sakta hai
@rohitsaxena3778
Жыл бұрын
Mam main Reliance General Health insurance buy kiya hai 23/12/2022 ko, kya mai renewal time per isme member add kera sakta hoon or proposer change kera sakte hai renewal time per
@SubhamKumarNandi
6 ай бұрын
Is congenital heart disease covered in health insurance?
@hemantrawat9271
Жыл бұрын
maan ples help me 😢 i buy hdfc ergo they takes soo much time 😢 almost week done
@dheeraj787
8 ай бұрын
Please tell how health insurance company doctors investigate about PED ? Do they get CT scan done or something? Please tell in detail.
@GurleenKaurTikku
8 ай бұрын
They go by your self declaration about PED, most of the companies will not do physical tests. It is your duty as a policyholder to give the true information as it is a contract of good faith
@knowledgesahanichannelchan4315
2 жыл бұрын
Mam Manipal Cigna ka video banaiye claim r process
@GurleenKaurTikku
2 жыл бұрын
Sure, will make a video soon. Thanks
@OnlinePizzaria
Жыл бұрын
Hello Mam, I was diagnosed with "Asthma" just 1 month back, What If I do not disclose it in the proposal form and inform it letter? Although they will take the "Medical test", will they reject the claim if occurred?
@GurleenKaurTikku
Жыл бұрын
We will suggest you to Disclose all the medical information beforehand only to avoid any claim rejection.
@rohitsaxena3778
Жыл бұрын
Thanks for hopeful knowledge medical conditions of PED
@pramod.n3835
2 жыл бұрын
I am taking medicines for epilepsy for the last 32 years. I have undergone appendesectomy 21 years back.during the last 5 years I have suffered from hyponatraemia 3 times.and in 2016 Iwas admitted to hospital due to muscle injury and my SGOT SGPT levels reached 1200.So I had to spend one week in hospital.Should i disclose all these while taking health policy.I have no lifestyle ailments as of now.
@GurleenKaurTikku
Жыл бұрын
Yes, these are major issues and should be disclosed
@anjanbiswas3158
4 ай бұрын
thank you
@GurleenKaurTikku
4 ай бұрын
Keep Watching !
@KunalKumar-xx1dv
Жыл бұрын
I have purchased a health insurance policy for my mother and mysel have high blood pressure since 6 months which I told that agent but he ignored that now my policy is come and completed 1 month what to do ?
@GurleenKaurTikku
Жыл бұрын
You can mail insurance company for this disclosure
@snehaldeshpande6452
11 ай бұрын
Ma’am schizophrenia pre existing hai. Which company can give me health insurance?
@GurleenKaurTikku
11 ай бұрын
Can try with HDFC ergo
@nitinjain1605
Жыл бұрын
In policy if PED as defined ask history of last 48 months duration than is it still necessary to inform insurance Co. abt any condition/disease/hospital admit situation prior 48 months ? ....does Medical history is limited to 48 months or it includes from birth till present ?
@s....982
Жыл бұрын
Ye wali defination prr mat jao ….if 15 saal phle v hui hai company ko btao….mujhe 10 saal phle finger me fracture hui thi usko v Maine company ko btaya he….claim ke wakt company notch krr nikwa legi ….so avi hi bta do
@dishantdoshi1058
2 жыл бұрын
I wanted to port my current policy of New India Assurance to HDFC Ergo When the marketing team asked about my BMI they said that your BMI is not within the limit it is too high but don't worry in your case there will be only tele verification so you can lie about your BMI. What is your advice on this should I lie about my BMI or tell the truth as my BMI can change anytime. It is not always constant.
@GurleenKaurTikku
2 жыл бұрын
We would always suggest you to disclose all the information honestly to the insurance companies. There can be an issue at the time of the claims. If you want to buy a health insurance policy, you can connect with us on WhatsApp/Call at 9650706699 . Our team can help you out ✅
@harshkabra
2 жыл бұрын
Very informative and important video
@GurleenKaurTikku
2 жыл бұрын
Thank you !!
@vikassardana9233
Жыл бұрын
Mam 8 sal se policy premium pay kr rha hu...mom ka....Unhe diabitic hai pichle salo se.....jab policy li thi tb medical form pre exixting deases me nil tha....ab in future me koi claim rejection to nahi hogi ?..... waiting period nikal chuka hai ....ab sugar se relate koi claim aayega to reject hoga ya nahi ?
@GurleenKaurTikku
Жыл бұрын
Hello jee, policy won't get rejected because disease was diagnosed after buying the policy. But we will suggest to keep the documents related to sugar as a proof that it was after buying the policy.
@gantavyamehta9445
2 жыл бұрын
Mam thanks nicely understand. I just claim cashless for my father angiography and we all ready mentioned Dieabetes in policy. And waiting period is not finished And dr. Written on letter this is may or may not because of Dieabetes And that case Insurnce company rejected my cashless with that reson So what should i do ?
@GurleenKaurTikku
Жыл бұрын
Sir, nothing can be done as there is waiting period on the same
@karuneshkvaiswar612
Ай бұрын
🎉🎉🎉🎉🎉🎉
@SANTOSHKUMARJHA-ig7ri
11 ай бұрын
Will Insurance company accept Polycystic Kidney Disease as PED
@GurleenKaurTikku
11 ай бұрын
yes
@imranshake274
Жыл бұрын
Ma'am what if a person has taken taken life insurance policy and company issued it Next month he dignosed with cancer! Dies after 6 months, will the company pay the amount to nominee?
@yashwantdhole7645
5 ай бұрын
Yes. Definitely. I have seen a similar case. The person died after 7 months and the family got money. His case was genuine.
@syningdeepak
Жыл бұрын
Kuch vi bus Gyan baanto
@rushidesai6033
Жыл бұрын
Which policy is cover chronic pancreatitis?
@subhammondal4352
11 ай бұрын
Mam mere mom ko chronic kidney disease hai just 1month pehle diagonise huya hai, kya mai apne mom ka health insurance karwa sakta hu?
@GurleenKaurTikku
11 ай бұрын
Sorry jee, Not possible
@pranju4u22
Жыл бұрын
Mam I have seen policy which has waiting period of 3yrs for PED but at the time of purchasing that policy online there was a Rider over there which reduced that PED waiting period to just one day by giving extra added premium...My question is is this a legal way can we do this? Police name was niva health insurance & care health insurance
@GurleenKaurTikku
Жыл бұрын
Yes, absolutely. These add ons / riders are introduced and you are free to choose as per your requirements
@PraveenKJ.
Жыл бұрын
@@GurleenKaurTikku ma'am could you explain more about what these add ons and riders are ?
@andrewyadav2514
2 жыл бұрын
Mam Mera 2 helth policy hai 1 corporate and my personal Jo 4 saal se chal rahi hai mera surgery hu gallbladder stone ka but may apne corporate policy se clam kiya To mujhe apne personal policy ko information karna chiye
@GurleenKaurTikku
2 жыл бұрын
Nahin jee, not necessary
@zorawarsingh6648
Жыл бұрын
Aayushman Bharat is the best
@vishalbhadra8772
Жыл бұрын
blockegae aya heart me insurance plicy ko liye hus 9 month hua tab esa ku6 nai tha to ye pwd me ata he ki nai kyoki pan abhi hua to angeography kiya usme blockge aya lekin pele kabhi pain nai tha
@GurleenKaurTikku
Жыл бұрын
No, it will not be counted as PED agar diagnosis policy lene ke baad hua
@Koli949
Жыл бұрын
1 saal he high bp rhta he I mean kavi up kvi normal Kia mein health insurance leh skta hu? Agar yes thn kaunsa best rhga My age is 26
@GurleenKaurTikku
Жыл бұрын
Please connect with us on WhatsApp/Call at 9650706699. Our team will assist you in choosing a suitable plan. Thank you
@vishwajeetghodke7063
Жыл бұрын
Hi mam mere mom ko ILD lung issue hai to waiting period kitna hoga or policy mai cover hoga ke nahi
@GurleenKaurTikku
Жыл бұрын
Policy nahin mil payegi
@tausifattar6273
Жыл бұрын
Maam ligament injury is pre existing disease.??
@GurleenKaurTikku
Жыл бұрын
yes, it should be disclosed at the time of buying the policy
@biswajitmaity6410
2 жыл бұрын
Wife's C-Section delivery should inform or not?
@GurleenKaurTikku
2 жыл бұрын
It is not a pre existing disease, but no harm in informing them. you should inform
@jaysh7149
Жыл бұрын
Can we hide tests like Angiography?
@GurleenKaurTikku
Жыл бұрын
You should never hide any of your Medical History including ANGIOGRAPHY
@ahamedkabir2006
2 жыл бұрын
I declare my wife thyroid problem as PED, while I buy health insurance from icici last year. Last month we conduct thyroid operation. So now I want inform about this operation as PED again. Because same PED.
@GurleenKaurTikku
2 жыл бұрын
You can email the insurance company
@mohitshrivastava4677
Жыл бұрын
Hi My mother having arthritis and I'm planning for health insurance for her but health insurance company denied. Is there any alternative process
@GurleenKaurTikku
Жыл бұрын
Is it Rhuematoid Arthritis?
@mohitshrivastava4677
Жыл бұрын
@@GurleenKaurTikku yes
@arindam_goswami
Жыл бұрын
@@mohitshrivastava4677 mam respond please @gurleen
@mohitshrivastava4677
Жыл бұрын
@@arindam_goswami brother as of now it's true. No policy company agree for health insurance if someone is suffering from Arthritis
@avikghosh7231
Жыл бұрын
Very thankful to listen your words..
@GurleenKaurTikku
Жыл бұрын
Thank you, keep watching !
@mydreamwindow1336
Жыл бұрын
For 32-33 year single women. Which policy is best
@GurleenKaurTikku
Жыл бұрын
Hi, we need more basic information to guide you. Please share more details with us like location, medical history etc. We are available on WhatsApp/Call at 9650706699 or info@hareepatti.com 😊 Thank you
@mydreamwindow1336
Жыл бұрын
@@GurleenKaurTikku Noida, abdomen tb and pcod
@vickysehrawat10
2 жыл бұрын
Mam meri sister liver donate kya par policy karane par her jaga reject ho raha hai...ager disclosed na kare liver donor ka agent bol rahe hai 8 yr tak claim nhi logo fir add ho jayega sab kuch
@GurleenKaurTikku
2 жыл бұрын
Vicky jee, Non disclosure is not recommended
@Shwetankdhyani
2 жыл бұрын
I am 100 percent healthy, let's say I get a policy and I develop kidney complications. Would insurance company honor their end of the deal or will they just claim that I had the condition already? Isn't it too arbitrary? It's like they control what's truth and what's not.
@s....982
Жыл бұрын
You USG report and CT scan scan image will reveal all condition so company ko avi hi bta do…
@rohitphogat1112
Жыл бұрын
Thanku ma'am
@GurleenKaurTikku
Жыл бұрын
Keep Watching !
@businessswot1003
2 жыл бұрын
69yrs heart attack patients which policy is better
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