Medical History in Health Insurance MUST BE DISCLOSED | Don't Do This MISTAKE | Gurleen Kaur Tikku

If you have pre-existing ailments such as diabetes or hypertension and declare it at the outset, your insurer could still offer the cover.
But what if you fail to ― deliberately or otherwise.

If you were to file a claim later and the illness gets discovered then, your insurer could reject the claim, or worse, cancel the policy

WATCH THE VIDEO FOR MORE DETAILS :)

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#medicalhistory #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 17 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.

[gopeshwar.m]

No time waste, straight to point. Not taking time to breath also so fast in explaining and that to with clear explanation. Thanks 🙏 madam. Please make video on what all services/support we subscribers get if we contact and purchase/ investments done.

[rajendratiwari]

वाह!!अनमोल जानकारी की वीडीओ ❤❤
मुझे 14मार्च 2022 को 10 लाख की तीन वर्ष की निवाबुपा रियास्योर पालिसी जारी होने की तारीख के चार दिनों बाद कम्पनी द्वारा दिए एनुअल हेल्थ चेकप मे बीपी का पता चला तो अब क्या करना चाहिए। कम्पनी को सारे रिकार्ड भेजकर reambarment भी दो वर्षों से करा रहा हूं।
दश साल पहले हुए पत्नी का परिवार नियोजन, उल्टा परिवार नियोजन, एमटीपी, इंडोस्कोपी टाइप को सामान्य समझ कर प्रपोजल में नहीं बताया था और स्वास्थ्य भी सामान्य है।
कृपया बताएं मुझे ईमानदारी से बीमा चाहिए।

[marketconclave]

Please make a video for specific disease time period

[DeepakSoni-ujby]

Thank you madam for the information,
does pregnancy count as a pre existing disease?

[balram]

Amazing! You are so clear. Many thanks

[MathsFunRaj]

If I completed 4 year then port what has be done now?

[vijaymistry]

Great information for before bying the health insurance policy

[pleasant]

Mam, Does Insurance company specifically endorse or give in writing in the policy that pre existing disease declared by us will be covered after so and so waiting period, with so and so capping etc.

[surbhityagi]

Mene policy port krayi Or agent ko preexisting disease k bare mei btaya tha lekin agent ne form mei nhi likhi Or jab mene operation kraya toh claim reject ho gya

[YashpalSingh-cuwt]

6 sal purani medical m floater policy mein kya disclose karna hoga

[surajpatil]

Mam what kind of health checkup to get done for identifying pre existing diseases?? There are so many medical check-up available. Plz guide

[soumyadipghosh]

Can we port our group health insurance policy to normal health policy?

[VinodPatil-gfiw]

Great Information Madam! I have take Optima Super Secure Plan after going through your video on it and your guidance on WhatsApp. Thank a Lot Madam ji!

[prasannakumarnanda]

Kindly do a programme on Moratorium and its impact on portability

[karanthakur]

Mam plz make video about smoking?
If we smoker and disclose at the time of taken Health plan, what happened if claim come about Cancer or any disease, which is related with smoking.
Insurance company will give the claim or not

[sudheeryadav]

Mam mere dost ka ladka handicap h or usne family health insurance liya huva h jo ki 5 saal se continue h lekin policy agent ne ladke ko normal dikha rkha h policy mein to abb hospital claim dene se mna krr rha h abb mam kya kiya ja sakta h ?? ( Kya correction ka koi procedure hota h mam )

[atulsingh]

Ma'am, I was diagnosed with IBD Crohn's disease in 2022 (age 22 years), and have not taken any health policy, but now I am not able to buy a health policy, whenever I tell them that I have this disease. But one can fall ill, or due to an accident also get hospitalized, in this case, what shall one do, should I not disclose my pre-existing disease, or without disclosing serve the moratorium period, then raise claims after 8 years if anything happens, till then get treated on my own cost, etc. Please, help/guide or make a video for this type of case, (where, what one should do when the company is not giving insurance to any pre-existing disease, how they should buy the insurance). Thank You.

[appuful]

I have a stricture problem and I declared it while taking policy they rejected my plan and are not providing me a term plan. What should I do now?

[krosdon]

Mam meri star ki policy hai online li thi 2 saal pehle but aaj tk koi paper nhi aaya hai . Iss maheene jab renew karne gya to dekha meri do me se bas ek medical condition likhi hai usme . Ab bina paper k main check bhi nhi kar paya . Aur company ko call kiya tha pehle paper k liye to unhone kaha ki everything is becoming paperless so dont bother about it.

[AR-]

What if someone has already hidden his pre existing disease in policy and its 3-4 years running?
Someone did not disclose PED as he was guided that PED will be taken care of automatically after the waiting period so its not important to disclose.
What should one do now to disclose his PED to insurer???
PED was detected 6 years ago and policy was taken 3 years ago.
Wont his policy be terminated?
Or will company reconsider it ?