What type of deaths are not covered in a term insurance plan? | FAQ #22

Check your term insurance premium:

Our expert Mr. Deepak Yohannan's views on types of deaths that are not covered in term insurance plan.

#lifeinsurance #terminsurance #personalfinance #money

[soumyabanerjee]

I have done maxlife term online plan on 2nd September 2018 . But till now the company didnot approved my policy . I am suffering from ulcerative colitis . And I have mentioned that . But from last 36 days I am running hear and there . I can't understand it will approve or not .
And most irritating thing I can't get them by phone I have don several mail but they are not cooperating with me. Just doing delay .I am become confused.
Please help me what I have to do.

[vinceisgod]

Sir... Please make a video with example...for different sectors...how can we take insurance if we are not filing itr or if a person not have income proof can he get insurance to an extent of premium say 1lakhs... I am confused...please sir..thank you

[nagarajligade]

Nice video. Can I change my specifications after buying a term insurance policy. Like to increase or decrease the total sum assured amount.?

[santnaikk]

Hi sir.. I have purchased hdfc term insurance worth of 80lacs .. n my income is 8lacs.. and I have existing policy in icici wealth builder worth of 5lacs, hdfc pro growth plus worth of 3lacs and lic money back policy worth of 2.5lacs and onemore lic which bank I'll deduct 330 of govt lic. I have given all these details to hdfc person.. but in application thy have not mentioned.. does it make any problem in case of risk..? please let me know sir?...

[hirenbarot]

Hi sir, riding a bike or driving a car without seatbelt or driving in a wrong side or one way is comes under illegal activities??? If death occurs due to this is liable to rejection????
Please explain normal conditions which are used to happened in life like mentioned above which may cause rejection in term plan claim.

[nilajbanerjee]

Is death due to war for a soldier covered in standard insurance policies?

[mohitagarwal]

Natural death is cover or not, if we take policy for 100 years?

[nilajbanerjee]

Pls make a good video on life insurance policies that are best suited for soldiers cz I recently got to know that the insurance scheme of the army doesnt cover any compensation for death if the soldier is on leave.

[sunilj]

Does the insurance have any geographical limitation (worldwide)? Does it exclude natural death or death in air plane crash?

[mamunrashidlaskar]

Sir ji term plan lene ke wakt bhi Pre-existing disease ke baare main full details dena Aiccha hain kyaa?
Ya nehi Dena behtor hain?
Plz reply.

[adityakulkarni]

I have a question.
Say if a man riding a 2 wheeler dies in road accident and he was not wearing a helmet. Do the isurance company will then reject the claim for not following the traffic rules ?

[angidev]

Hello sir - is natural death also covered in term insurance of all major insurance companies? I was told by some friends that death in accident or due to illness or some other reasons, are only covered. Is that true?

[crazyindians]

Sir my wife had delivery c section she eligible for term plan sir this come under surgery sir or no sir

[shorts_xi]

Dear sir
Is normal death covered in term insurance. Pls reply

[RAKESHkumar-mphs]

Term insurance lene k 3 month bad silent atack se death hone pr claim milega sir? Agr term lete time medical b hua h Or death ki PM Or police report b ho

[basanti]

Sir I was buy a term plan from max life... after two days I felt i should change my term plan...I was mail them to many days it's taken to return my submitted premium..I was submit 1 year premium

[pareshchandra]

If someone who holds a term plan in India & dies in abroad, will his/her family get the sum assured ?? Plz let me know.

[dedhiafenil]

Sir, can u please explain force majeure clause in term insurance?

[akashdeepjaiswal]

Sir if someone has taken more than one insurance plan with death cover. then after death, will insurance company pay death cover amount for all plans or only one?

[bivashchakraborty]

sir can i take private term policy sumultanously with govt policy?