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Health Insurance Claim Can't be REJECTED | IRDAI Insurance Regulations 2024 | Gurleen Kaur Tikku 

Gurleen Kaur Tikku
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The IRDAI has also reduced the moratorium period significantly from 8 years to 5 years.
Once an active health insurance policy’s moratorium period ends, the insurer cannot deny any claim covered by the policy on any grounds, except fraud.
The moratorium would be applicable on the sums insured of the first policy.
WATCH THE VIDEO FOR MORE DETAILS :)
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✅ RDAI Latest Insurance Regulations 2024 : • IRDAI Latest Insurance...
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For any queries:
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📞 Call : 9650706699
💌 Mail us at: info@hareepatti.com
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✅ TIME STAMPS :-
0:00 Introduction
0:51 Earlier Rules for Moratorium Period
1:03 New Moratorium Period by IRDAI
1:36 Details about Moratorium Period
2:50 Example for Moratorium Period
3:33 Clause for Moratorium Period
4:10 Fraudulent Activities
5:08 Claims Can't be rejected
5:50 Conclusion
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health insurance 2024 , IRDAI Guidelines , IRDAI 2024 , health insurance india , health insurance claims , health insurance claim rejected , health insurance claim approved , moratorium period reduced , changes in health insurance , major change in health insurance guidelines , IRDAI new rules , best health insurance india , moratorium period 5 years , health insurance moratorium period , gurleen kaur tikku , financial advisor , hareepatti
#irdai #healthinsurance #gurleenkaurtikku
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 19 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

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6 авг 2024

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Комментарии : 137   
@yshah84
@yshah84 Месяц назад
Definition of Fraud is a grey area & very subjective
@yshah84
@yshah84 Месяц назад
@@PINKYinsuranceSolutionsFintech very true
@janmejaymohanty9454
@janmejaymohanty9454 Месяц назад
​@@PINKYinsuranceSolutionsFintech which RU-vid channel?
@zonejvm
@zonejvm 27 дней назад
Great information, due to this new rule, insurance companies are not accepting new policies of people with PED.
@mohitmaskara4716
@mohitmaskara4716 Месяц назад
Does the moratorium clause also applicable to the No claim bonus/ plus benefits & Secure benefits (in case of hdfc ergo). Please specify.
@amitroy6972
@amitroy6972 Месяц назад
Very impressed with the content and presentation . Clear , concise and meaningful presented with a pleasant disposition . Thank you , Gurleen 🙏
@ajaybhat9359
@ajaybhat9359 Месяц назад
very informative... thanks
@ranamondal9970
@ranamondal9970 Месяц назад
Thank you madam. This is really good news and this information is really helpful for an insured person. Thanks again 😊
@kalyanmishra6650
@kalyanmishra6650 Месяц назад
Mam Moratorium existing policies me milegi ,kya group policies me bhi ye applicable hoga ?
@MrHaresh23
@MrHaresh23 Месяц назад
Great Video Mam. Pls keep making such videos 👍
@healthylife4516
@healthylife4516 Месяц назад
What about existing Niva Bupa Reassure 2.0 Platinum? Please guide.
@tanmay8195
@tanmay8195 Месяц назад
Nice Info it will help to many people Thank You Gurleen Ji 🙏🙏
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Glad 😊, keep watching !!
@kapil_Maheshwari
@kapil_Maheshwari Месяц назад
Like everytime thank you for your guidance...now I am always updated with insurance things...🙏 Also shared with my group to follow you...
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Thank you so much, keep watching & do Subscribe 😊
@moksh9271
@moksh9271 Месяц назад
HI I need your Help. My claim got rejected stating non discolsure. Request you to please guide me.
@utkarshkrishnajha3857
@utkarshkrishnajha3857 Месяц назад
Madam, No claim bonus kaa moratorium?
@devendranaidu3394
@devendranaidu3394 Месяц назад
Thank you for sharing valuable information
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Glad it was helpful!
@YashNeetpg
@YashNeetpg Месяц назад
Mam please make a video on health insurance for depression patients as PED I mean which companies are willing to offer insurance??
@saisurya1135
@saisurya1135 Месяц назад
Thanks For the Valuable Information Madam
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Thanks a lot, keep watching !!
@shakeelqureshi7222
@shakeelqureshi7222 14 дней назад
Mam kya hyper thyroid insurance cover nahi karte hain
@rdjstark7415
@rdjstark7415 Месяц назад
Mam my policy is only for 3 years, here agar may renew kar du after 3 years at the end of 5 years kya muja Claim milaga?
@sureshv7724
@sureshv7724 18 дней назад
How about icici elevate plan
@learnwithmamalove
@learnwithmamalove Месяц назад
My 1st Health Insurance Policy 2015 still active...
@pankajsharma-np8rl
@pankajsharma-np8rl Месяц назад
Govt should launch a health savings scheme like kisan vikas Patra or national saving scheme etc with more interest rates than normal FD.
@vivexplorer842
@vivexplorer842 22 дня назад
I HAVE 50 LAKH HEALTH INSURANCE RECENTLY BOUGHT JUST 1 WEEK BACK 22 YRS OLD , AND I DONT WANT EVER TO CLAIM
@sureshv7724
@sureshv7724 18 дней назад
Jai Hindustan
@abhishekrampal8641
@abhishekrampal8641 23 дня назад
mam pucha tha company se vo kehte new rules only new products pe applicable hai
@sigtianikita
@sigtianikita Месяц назад
Does moratorium is applicable to completely new problem for eg u dint mention 'High BP' but u got spine surgery done ..which has got no relation with spine like BP related if ur treatment is done heart surgery or paralysis we understand.. so can they reject in this case also what if company itself has nt asked for proposal form and issued new premium who is responsible??
@bhavnishwadhwa8604
@bhavnishwadhwa8604 12 дней назад
Is the moratorium period applicable if we change the zone without informing the company?
@skylinegamer6313
@skylinegamer6313 Месяц назад
❤ 0:13
@akshaydixit4094
@akshaydixit4094 17 дней назад
Previously moratorium period was 8 years so if any policy is purchased in 2020 and after 2028 any claim came so company will not reject claim because of non disclosure??
@varinderpalsingharneja3540
@varinderpalsingharneja3540 Месяц назад
Well describe IRDAI rule..
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Thanks a lot, keep watching !
@randhirkunte6454
@randhirkunte6454 4 дня назад
Does moratorium period covered non disclosure of Tobacco related diseases
@basrurkrishna3977
@basrurkrishna3977 13 дней назад
Will the insurance companies consider continuity of 5 years from the time this rule comes into effect ? or is this applicable to those who completed continuous 5 years of coverage already ?
@ibunlimited
@ibunlimited Месяц назад
*Hi Gurleen, thanks for a neat elaboration with examples on 'Moratorium'. Very useful video indeed for the viewers.*
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Glad it was helpful! Keep watching & do Subscribe 😊
@devendranaidu3394
@devendranaidu3394 Месяц назад
If I have a policy with one company for 5 years, then I go to another company, new company won't be able to reject my claim from day 1 because of moratorium ?
@ibunlimited
@ibunlimited Месяц назад
@@devendranaidu3394 Like all other 'benefits' or 'specific exclusions', et al, 'Moratorium benefit' will also enjoy retroactive effect, regardless of porting.
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
The moratorium period will be carried forward with porting as per IRDAI guidelines
@devendranaidu3394
@devendranaidu3394 21 день назад
@@GurleenKaurTikku tx u for clarifying 😊
@davidfinancialconsultancy4609
@davidfinancialconsultancy4609 Месяц назад
Thanks 👍
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Thanks a lot, keep watching !!
@vishwanathvt7701
@vishwanathvt7701 Месяц назад
Is it applicable for only new policies or also for the existing policy holders?
@senguptasentertainment8790
@senguptasentertainment8790 Месяц назад
Yes for all deadline for insurance companies is 31.07.24
@bhavinkhona3676
@bhavinkhona3676 Месяц назад
I have a question. I hope you will reply. I have a policy which is running from past 9 years and if i buy a separate policy from the same insurer for my son who will turn 18 this year. Than will get the moratorium benefit or it will be considered a new policy.
@drrouf-er2ft
@drrouf-er2ft Месяц назад
It will be considered a new policy
@user-fj7ek4im4o
@user-fj7ek4im4o Месяц назад
Hi Ma'am, Ye Moratorim Period Super-topup me v count hota hai kya ???
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
Yes
@VinayKumar-xx1jd
@VinayKumar-xx1jd 19 дней назад
Mam companies like Care health insurance is saying ki unhe abhi tak written mai IRDA ki y guidelines nhi mili h islye unke plans mai abhi bhi waiting period 4 years hai and moratorium period 8 years, Eg - Care Supreme Plan... Kya aap bta sakti hai ki sari company new guidelines k according plans kab tak launch kregi? So that new plans lene wale ko y benefits mil paye
@shivasai362
@shivasai362 17 дней назад
augusts se applicable hote hai mostly
@acivt2532
@acivt2532 Месяц назад
This is tough question but IMPORTANT. Does new moratorium starts from year 2024 on-wards only?
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
Yes
@kuldeepsingh-od6sr
@kuldeepsingh-od6sr Месяц назад
Nice explanation
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Thanks a lot, keep watching !!
@devangkapasi7097
@devangkapasi7097 29 дней назад
मेने चार साल पहले जो मेडिक्लेम लिया था तो उसे ये नया ५ साल वाला नियम लागू होगा ??? की ८ साल वाला नियम लागू होगा ????
@maloyroy1
@maloyroy1 Месяц назад
I can't get answers from you for my question
@santoshmandrekar46
@santoshmandrekar46 20 дней назад
Thank you very much ma'am 🙏
@GurleenKaurTikku
@GurleenKaurTikku 19 дней назад
Keep watching
@AsitKumarGupta
@AsitKumarGupta Месяц назад
Ma'am lets say I have a 3 year old policy and in last renewal i renewed the policy in grace period. will the policy be considered for reduced moratorium or not. I had to give declaration that 'There is no change in health status'
@acivt2532
@acivt2532 Месяц назад
No problem with grace period (30 days). This is clearly mentioned in IRDAI document refered by Gurleen madam.
@acivt2532
@acivt2532 Месяц назад
What is not clear - does moratorium applies for past years (BEFORE 2024)?
@GUDDUKUMAR-ke9th
@GUDDUKUMAR-ke9th Месяц назад
Medical insurance lene h konsa policy le please help me
@nileshsamdani6851
@nileshsamdani6851 26 дней назад
Can i help u?
@drrouf-er2ft
@drrouf-er2ft Месяц назад
What's the moratorium period of term life insurance .
@TruthSeeker10250
@TruthSeeker10250 Месяц назад
2 years
@grajji5299
@grajji5299 Месяц назад
Break up means how?. Suppose payment of renewal is done late within grace period, is it break..
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
Break in means renewing after grace period
@Shivaenna-rh5sr
@Shivaenna-rh5sr Месяц назад
Nice 👍
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Thanks a lot, keep watching !
@user-lm8sg5qp6h
@user-lm8sg5qp6h Месяц назад
Kya mai jan sakta hu ki payment without break kya hota hai. Mai har saal premium time per de deta hun. 2017 ka health insurance hai. Sirf ek bar mai grace time me payment diya hu, kya isse break mana jayega. Please bataye.
@shamimahamed6850
@shamimahamed6850 21 день назад
No
@sangitaverma6190
@sangitaverma6190 26 дней назад
Is this also applicable after policy portability?
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
Yes
@hnbright
@hnbright Месяц назад
Have an odd question. I have insurance which includes my wife and my kid. I am the primary policyholder. if something happens to the primary policyholder, does that policy automatically treat my wife as the next primary policyholder? Does this have any effect on the subject you shared in this video?
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
In this example, the spouse has to inform insurance company and member deletion will be done and she will be treated as primary policyholder Policy benefits including moratorium will remain as it is
@hnbright
@hnbright 19 дней назад
@@GurleenKaurTikku Got it. Thanks.
@entertainment4you409
@entertainment4you409 Месяц назад
Madam agar main ye batana bhul gya tha 5 saal pehle ki ..I drink alcohol.....to kya mujhe after the moratorium period claim milega...?...kya insurance company claim deny karegi ?
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
yes, claim milega.
@entertainment4you409
@entertainment4you409 Месяц назад
​Maaf kariyega madam...mera poora question tha ki....agar main ye batana bhul gya ki ...i drink alcohol aur after moratorium period agar mujhe koi alcohol ki wjh se koi bimari ho jati hai​...jaise ki koi liver related bimari...to kya claim milega after 5 years.....please.madam answer....i am your great fan...you are doing excellent job about awareness of insurance @@GurleenKaurTikku
@alokbakshi6001
@alokbakshi6001 Месяц назад
Medical claim kya sirf in patient ko hi milta hai. Please reply
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
Yes, in patient hospitalisation is covered
@vickybansal5191
@vickybansal5191 Месяц назад
Bliend person ko miljayegi kya health policy madem
@Amandeepsingh-qg6dd
@Amandeepsingh-qg6dd Месяц назад
Yes care freedom plan is available
@sarojkumarsahu8315
@sarojkumarsahu8315 Месяц назад
How many days grace period is given by the insurance company??
@cricketwithAshu_j
@cricketwithAshu_j Месяц назад
30 days in renewl of policy
@dineshbohara2629
@dineshbohara2629 26 дней назад
If it is a port policy , will it be considered from the inception of the policy ,that is from where it has being ported or after porting it is 5 years in the porting insurance co, kindly clarify From ur explanation my understanding is that even previous co tenure will be counted in 5 years period But still clarify
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
Yes, in portability also, moratorium benefit will be given since inception
@dhavalvalia
@dhavalvalia Месяц назад
Hi Mam, how will this impact my policy. I had new India insurance policy since 2010. Following a massive premium hike last year I ported to Care in December 2023.
@therevolutionary523
@therevolutionary523 Месяц назад
Sabse badi bewkoofi ki aapne apni life ki
@riskyankit
@riskyankit 15 дней назад
now they will cover money by increasing premium.
@ramdasiyer2217
@ramdasiyer2217 Месяц назад
I am listening to this term 'MORATORIUM' for the first time. Please tell me whether this is a condition brought by IRDA. I am 70 and have a policy of 4 lakh then increases to 6 lakh from 2001. I have not submitted any claim till now. If i am hospitalized will i get benefit of 'M' .
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
Yes, Moratorium is applicable
@trnswamy
@trnswamy Месяц назад
Insurance companies will misuse the clause of fraud. This is a grey area. IRDAI is not clear who determines the fraud.
@AdityaSingh-iv9wz
@AdityaSingh-iv9wz Месяц назад
Then they will refer to GCA Act If a meaning in an Act is uncertain or not provided then General Clause Act shall be referred
@Amit-0051
@Amit-0051 Месяц назад
Claim rejected for 8 years old policy stating non disclosure No break in insurance policy
@therevolutionary523
@therevolutionary523 Месяц назад
Which company and which city and for which disease? What were the reason given by company
@Oldschool-Gamer
@Oldschool-Gamer 28 дней назад
Yeh konsa new clause he ?
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
Old clause hi hai
@dibakarchakraborty8712
@dibakarchakraborty8712 Месяц назад
👍👍
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Keep Watching !
@arunnayar858
@arunnayar858 29 дней назад
Most Insurance companies are not following this regulation and we need to knock the insurance ombudsman doorsteps
@user-lm8sg5qp6h
@user-lm8sg5qp6h Месяц назад
Mera policy Care me hai. Date commence 2017.
@Moca8610
@Moca8610 Месяц назад
Very complicated
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
We have tried to simplify it as much as possible.
@shaileshmaheshwari3771
@shaileshmaheshwari3771 Месяц назад
NIVA BUPA moratorium period नही मानेगी। Reimbursement claim करके देख लीजिए।
@Yakridu_Anna
@Yakridu_Anna Месяц назад
Report to IRDAI with documentary evidence.
@shaileshmaheshwari3771
@shaileshmaheshwari3771 Месяц назад
@@Yakridu_Anna Do you know how IRDAI works ? They are meant for nothing. I have sent more than 600 mails to them with a pdf of all the documents, but sorry to write they dare to take the action against insurers as they remain highly obliged by them.
@annamalayadevi
@annamalayadevi Месяц назад
I was planning to take Niva Bupa now....My earlier was star health...which is a useless company.... should I go for niva Bupa?
@shaileshmaheshwari3771
@shaileshmaheshwari3771 Месяц назад
@@annamalayadevi Never or get ready to get rejected reimbursement claim if ever taken
@magicrecreatedmusically8405
@magicrecreatedmusically8405 Месяц назад
​​​@@annamalayadeviWe will guide you to buy the right insurance. Reach me.
@rakshithavidhya333
@rakshithavidhya333 27 дней назад
In spite of asking the PED only, there is a fraud...😅
@sonusharmaofficial01
@sonusharmaofficial01 Месяц назад
Ma'am, If we migrate police to another plan in the same company without loosing the continuity, So, will the modatorium work?
@hnbright
@hnbright Месяц назад
Yes. it will. She mentioned that in the video as well.
@PrabhatKumarPatel-ex6nn
@PrabhatKumarPatel-ex6nn 21 день назад
Wow mem
@GurleenKaurTikku
@GurleenKaurTikku 19 дней назад
Thanks a lot !
@praveenbalajibalasubramani116
@praveenbalajibalasubramani116 Месяц назад
Thanks for the English subtitles. Else, I don't understand anything in your video and not worth the view.
@GurleenKaurTikku
@GurleenKaurTikku Месяц назад
Thank you, keep watching !
@user-eu7qv2jy7f
@user-eu7qv2jy7f Месяц назад
Madam I want to get a health insurance for my mother, my mother is 70 years old, mother has pacemaker for four years. Now taking medicine for hypertension. Can I get any health insurance for mother? Which company's insurance premium will be lower madam? It would be great if you could give some suggestions please🙏🙏🙏
@ravijadhav2011
@ravijadhav2011 Месяц назад
सर शायद आपको पॉलिसी नही मिलेगी
@utkarshkrishnajha3857
@utkarshkrishnajha3857 Месяц назад
Care heart plan.. What's yr phone number
@veeranarayana
@veeranarayana Месяц назад
Contact star health cardiac plan 30 days coverage star cardiac issues below 70 years only no co payment
@gourabgorai4561
@gourabgorai4561 Месяц назад
Ayushman Bharat ka card banaao
@user-eu7qv2jy7f
@user-eu7qv2jy7f Месяц назад
@@gourabgorai4561 kaise
@lingarajpatra702
@lingarajpatra702 Месяц назад
Ma'am, Iss video thoda bhari ho geya. Thoda easy language main 1 bar aur banate to jada achha hota !!!
@riddhimanhalder9055
@riddhimanhalder9055 26 дней назад
Magic
@ankittiwari-ex2tu
@ankittiwari-ex2tu Месяц назад
Fraud ko fraud😂😂😂
@shaileshmaheshwari3771
@shaileshmaheshwari3771 Месяц назад
आपका video अधूरा है जब तक यह कुछ बातें clear ना हों: 1. आपने यह नही बताया कि moratorium period पहले की हुई policies पर भी घटकर 5 years हो गया है या अब जो नई policy ली जाएगी सिर्फ उनपर 5 years रहेगा। कृपया इसे स्पष्ट करे। 2. किसी policy का base sum insured 5 years में NCB मिलाकर 5 लाख का 25 lakhs हो जाता है तो moratorium period किस amount पर applicable होगा। इसे भी clear कीजिए। 3. अगर policy लेते समय कोई PED exclusion में डाल दी गईं है तो क्या वो disease भी 5 साल बाद cover मानी जाएगी। यह जानकारी देने से सभी viewers को बहुत अच्छे से सब clear हो जायेगा।
@GurleenKaurTikku
@GurleenKaurTikku 21 день назад
1. It is currently on new policies and applicable to existing policies after renewal 2. It should be 25 lacs in this case, still Shall get clarity on this 3. Existing diseases are covered after waiting periods are over for PED
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