Insurance companies don't want you to know this!
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- Опубликовано: 7 сен 2024
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Explained in 1 Minute
Insurance companies don't want you to know this! | Claim Rejected?
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Shot & Edited by: Rohan Agarwal
Research: Money-Minded Mandeep
Presented by: Money-Minded Mandeep
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#Shorts #LLA #insurance #insuranceclaims
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The video is not sponsored but this is an affiliate link. We've partnered with insurance samadhan because they are doing great work i.e., helping you get your hard earned money back.
They also charge an upfront fee of 500/- but it will NOT be charged to you (using the above link)
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Do th y have app if so then pls share link
Thanks
Are 500 le bhi le to b koi dikkat nai hai, insurance company wale bht pareshan karte hai. Saving the link
Sir meri bhanji school me 9th me h or admission ke time pe bola gya tha ki re admission nhi lgega bt every year 5k annual charges lg rha kya kare
@@pankajkumar-xd5wj terms & condition phra tha nh ? Kya likha tha .....agr esa kuch nhi likha tha toh consumer court jai
Insurance companies are the legal scamsters in our country.
Kaun nhi h?
Chole wala
Gol gappe wala
Dhobi se leke sab
Kyuki sabko paisa chiye
Lalach
Moral values koi seekhata h toh boring lagte h
Religion n bhagwan ka dar h nhi
Toh aur kya hoga
First is the hospitals.
And hospitals also😊
Isi liye Mera father kabhi insurance liya nehi 65 saal tak kabhi jarurat pada bhi Nehi. Finally Maine liye father k liye wo reject kar diye jab hospital ka bill aya
@@user-db9vw7si3x court m jaake case kardo bro us insurance company k against.. iss bsdk companies ko sabak sikhao jaruri h
My dad's claim payment was FIRST delayed by asking us documents in parts . Like almost every 15 days one or the other documents were asked. They prolonged this for 3 months.. ( they thought we would get tired and stop following up ). later they rejected saying , " the patient might have had past history ". As per the discharge report. We just filed a case , ( MIGHT MEANS PROBABILITY , ITS NOT 100%SURE )
AND WON AFTER 3 MONTHS .
1 lac ka policy tha
1.8 lac ka bil tha
Chup chap de Diya hoto to 1 lac se bhi kam dena hota...
Par Masti thi un logo ko
Harrass kiya hume
Isliye judge me 1.8 lac +, interest aur harrasment ka sab milake 2.13 lac ka Claim pass karaya..
Asa hi hona chahiya
Sahi kiya bakchodi ki yahi sajaa honi cahiye
Bohot kam fine laga bhai unhe
Ye company itne logo ko lutati hai kyuki unko jyada fine nahi bharna padta.
10 mein se 1 ya 2 logo hi complain krte hai.
Where U complained which court U went? Via Lawyer or Direct?
@@yshah84 simple consumer court .
Two hearings mein judgement
In UK, they have solicitors for claim rejection and government norms are also strict. Hope to see this in India soon
India me jab tak uneducated leaders hain yaha kuch nahi hoga
Here we only fight over mandir
Insurance Samadhan is an awesome body, they are very trustworthy, I had a case of 3lacs policy fraud and mis selling. This Insurance Samadhan helped me and i got all my money back.
LLA सिर्फ views ही नहीं दुआए भी कमा रहा है।
19 lakh ka bill pay karne bala dua nahi deta
@@abhilashthakur5830 dua company ki chahiye bhi nahi, jiski help hui uski dua
@@abhilashthakur5830 Bhai hospital mai toa dena hi parega na kitna hi saving karte ho sab chala jayega
Please SAHARA india ka kuch bataiye ....
Bahut rupee fase hue hain 🥲🥲🥲🥲
Vjhfgghhhhhfgggigigigigg🙏g🙏g🙏gv🙏v🙏v🙏v🙏g🙏h🙏h🙏h🙏higififigifufifigigkgkvigigkgiggigigigivicucufufufufufuf😑fufifucig
They charge 12% commission on the entire claim amount + GST. Now that's a massive non-disclosure.
They will tell you before taking your case
@@LabourLawAdvisor I think this should also be included in the RUclips video.
@@ShreemMusic who charges this 12% commission ? Insurance company ?
@@PraveenKJ.LLA or any lawyers take commission.
@@kamalkumar7978 oh, I see.. thank you so much 👊
Great initiative by LLA, I had faced similar situation during my mother's surgery but I had managed somehow to recover the money. I feel many people like me face similar situation and LLA has taken such a nice initiative for helping and making people JAAGRUK. Thanks a lot RJ sir, Mandeep sir and entire LLA team for this.
Bro which policy to take, for my mother if she fell I'll and have to do a surgery and need a big amount.
Problem partial rejection ka bhi nahi hai. Problem hai ye ki un companies ko pata hai wo aise unethical methods ko use kar sakte hain. They don't have any fear.
HDFC rejected my term insurance purchase on medical grounds. Even after my physician said there’s nothing serious. They will got give you policy if you’re honest with them because they need to find a reason to reject your claim.
Consumer Court Jaao bhai.
@@lakhi_kantbhai kaun chakar kaatega. Ab agar mai nayi policy ke liye kahi aur apply karu toh policy rejected bolunga toh vo bhi nhi issue karenge. Unke chakar mai fasgya hu mai
@@lakhi_kant kitna premium diye the total
@@Kkohliconsumer court jana padega
Ladna padega
Yha rone se koi fayda nhi
Unlike other youtube channels..you people actually help others n educate all in these issues that we faces in actual life..thank you..
LLA, Kya pura Dil ki jagah aap hi le loge....♥️
Ab sach mai lag rha hai.....India KARVAT badal raha hai.......🇮🇳
PTA ni LLA....kaise Thanks bolu🌹
One suggestion can you pick up actual live cases that received claim/rejection or ended up in court. This will be very learning series for everyone pf us to understand how practically things work! I think no one shows on RUclips real life such examples ❤️
IRDAI should mandatory for Insurance companies to publish about their Partial Claim and Full Claim Settlement Ratio Statistics which help the buyer before purchasing any health insurance policy.
This is true. Same happened with me as well. While taking a policy medical checkup must be properly conducted by insuring company
Well aisa mere father k sath bhi hua tha or unka claim rok liya gaya tha but mere father khud bhi ek lawyer hai and unhone company pe case kr diya jo ki wo district court se jeet bhi gaye but company ne ab wo case ki appeal high court main ki hai and waha bhi kafi chances hai k hum log jeet jayege and mere father bhi bol rahe hai k ab shyd wo supreme court nhi jayege and agar gaye to waha bhi unke jeetne k chances kam hai to please agar kabhi koi insurance company aise claim ka ek bhi paise rok le to aap ek acche lawyer se consult kare otherwise ye companies fraud kar ke nikal jaati hai and suffer common logo ko karna hota hai
You guys are doing wonderful job. The insurance sector is a big scam in India. It needs to be cleaned. These type of awareness will surely open eyes of many people
We all should be thankful for all this insights that make us jagruk.
I am genuinely glad for subscribing this channel.
hii
Insurance companies are profit making firms and mostly not doing business to give everyone lots of money. It is better to keep FD of 10 lakh rupees as an medical funds
FD eats your money
Put in mid cap stocks
I must thank the LLA team, I've personally gained good insights into money and related matters over a course of the past 3 years and on the way become a aware citizen.
Same happened with me, I continuously followed up and got it done.
Which insurance company is that ?
Insurance samadhan will definitely have 15 commision on the other hand policy bazaar is doing it for free .but policy bazaar will not give u any promotion money
I want a full detailed video on this topic please make it.
Coming soon
@@LabourLawAdvisor yeah please make a video on how health insurance companies play these tricks with those terms and conditions
@@LabourLawAdvisor When is the detailed video coming?
Is the detailed video out?
If yes some one plz post the link.
Waiting for the video
🙏🏼 Thank you this will really help common helpless people thats why i love your channel.. u guys really do great initiative ✌🏼😍
Terrific job done by you guys. People are being genuinely helped by the great content you guys are creating.
Thanks for the information
Kehna kya chahte hoo 😯
@@factz1011 jo usne likha hai vo!
@@dattebayo8248 bro , i dont know much about the english language -: can u explain to what TERRIFIC means 😅
@@factz1011 bro Google hi kr lete 😂. Terrific means excellent and great/good.
@@dattebayo8248 ohh thanks mate 😅 i was feeling kinda lazy to search 🔎.
This practice is usually done by Private insurance companies.. go for Govt Insurance Company, no such deduction will be made..
Main to LLA ka fan ho gaya hu.. Bas meri current padhai jaldi se khatm ho jaaye.. Main turant time milte hi LLA ke sath new things sikhna chahunga, unka paid subscription le kar..
The best way or approach is to get a corporate health insurance or Retail Health Insurance(non-corporate) for yourself and your family, ideally through Insurtech platforms such as Healthysure, they make sure that all the claims passed is processed if valid and reduce the amount of partial claims passed by about 95%.
Getting one directly through Insurance agencies leads to a lot of confusion as you might not be aware of all the clauses and might not understand the benefits properly.
Mandip you always relates with us and always motivated the youths thank you ☺️💓💓
ऐसे बोल रहे हो जैसे मन्दीप तुमारे मामा का लड़का हो
Most thankful to LABOUR & LOW FOR YOUR REFERENCE TO CONNECT INSURANCE SAMADHAN TEAM
Thanks to all the team of LLA for such useful informations.....you are really doing a great job
LLA is the friend who takes care of all your financial worries that too free of cost. Thank you team LLA
You guys are doing an amazing job. We appreciate you!!
Same problem i faced when my mother was hospitalized. I couldn't understand the same others category thing. I got very angry with the fact that the others category had the most money in it. When i called them up, they came up with different excuses each and every time. I was confirmed they were fooling us. Stil, i kept all the paperworks, did all things possible, they promised they will be giving the rest of the money (sort of). But then, 1.5 years have passed, till date nothing has happened. I only got some 20 - 25 % of the hospital bill cost.
Thats why sort of felt like health insurance are of no use. But then i came across this video.
LLA you are not only providing knowledge, also providing hope to the people who find them self helpless.
Great job LLA Team.👏👏👏
LLA is not just a you tube channel, its a mass revolution...!!!!
Hats off to whole LLA team..👏👏
Kuch ache log bhi bache hai duniya mei.. 😊
Even the Corporate Insurance Vendors like *Mediassist* is doing the same , Rejecting the Claims for Genuine reasons (Bills).
My father took pnb insurance and my father gone through angioplasty and they said that in its term and condition angioplasty was not written tell me solution you are doing great job
same happened with me few months back...but after cross questioning them... they were ready to process full amount of claim
Lla ko m mere ek acche dost ki tereh samjhta hu jo ki mujhe her ek mushkil se overcome kerne ki koshish kerta h....love your video and your seriousness of topics...thank you for the one who don't make video for earning but to make jakruk janta🤘🤘
90% partial rejection is too much. It is borderline fraud. Thanks for bringing this up. Shame on such malpractices of insurance companies. Where is the accountability?
You guys are unbelievable, RESPECT SIR!!!! Your Shorts are so informative 👌
You are the best channel for common people, thanks to team LLA.. ola overcharged me for 1200rs, from your videos I dis complaint at consumer helpline and my problem solved.
Brother jo aap kr rhe ho vo bhuht punn ka kaam hai..keep it up best wishes
Your research is great and helpful. Ombudsman use is best option with Indian companies
Thank u so much sir for this information❤️❤️❤️❤️❤️❤️🙏🙏🔥
Can you make an elaborative video on the current scenario? How you got the issue resolved? How you justified that it shouldn't be in others category?
Maxlife have messed up our claim. I am asking them to give proposal form to check the real nominee but they are denying giving absurd reasons. Should I go to consumer court?
Yes you can
Is ur issue solved ?
Is ur issue resolved
Last year the same thing happened to me. Medibuddy cut the amount from the claim without any reason, and when I asked for a reason multiple times but no one provided a proper answer. Instead asked me to raise a new claim and provide all the documents and that was not possible because I already sent them all hard copies while raising the first time claim.
The whole health insurance industry needs to be nationalised. So much fragmentation.
Usse kuch nhi hota
Fir mtnl jaise facilities milengi
But sabko jio jesi chiye
There are some good pple in India helping each other.....
Please keep on posting videos as such!🙂❤️👏🏽🙏🏼
I am a lawyer practicing in Delhi. This is a very prevalent practice. My father's bill last year was around 11 lakhs. insurance company withheld around 1.10 lakhs. then I obejceted then ultimately I had to pay around 65k for consumables.
we even lawyers don't read the documents and enforce our rights.
After this samadhan insurance company be like: kaise kar lete ho😎😜🤭😝 socho aur batao
Thank you LLA :) After watching this video I connected with @Insurance Samdhan regarding my father’s health claim rejection. Today they accepted my case and now I am feeling positive to get a favourable outcome .
Meine aapko starting se follow kar rakha hai sir really you gave a real knowledge about law
Hi Mandeep, I am an insurance advisor. Wanted to share something on health insurance claim that you guys educate people through your videos.
Thank you ❤️
Happened with me on my corporate policy. I fought for it and got it settled. It’s an unlawful practise that claim companies follows. Sad thing is that in my case culprit was not the company but was the Tpa who rejected this amount.
*This is really great Channel 🙏*
Consumerism is growing however consumer protection laws are still not strict neither the system is quick to resolve such matters in our country.
Thank you so much LLA This really could help many people
@Phonix fire ha Bhai aap sahi keh rahe ho
I am a straight guy but I can say this about you guys " I love you" for making me more intelligent and street smart.
Awesome video thank you 😊
In india everyone has to be a lawyer for living peacefully. On each step in life such fight has to be made.
वो अम्मा याद आ गई...
#यह सब साले मिलकर हमें...😂😂
12% commision+Gst is huge to resolve this kind of issue...issue is big but for who is already in trouble will get more trouble for this huge commission...
Bro, need one suggestion. When I bought term insurance in 2018, I was not drinking wine/beer but now I occasionally consume. I asked my insurer to add alcohol consumption to my policy but they denied. What should I do ? Should I buy new policy considering that I have lost the money with insurer?
Go to consumer court first
Stop drinking, its not for your health
Same thing happened with us but in car insurance. They said that only one side gets covered at a time. Still think why do we pay hefty comprehensive insurance when we could have saved those money and used local garages for repairs. Still third class repair from authorised service centre and still don't know what's happening to paint
Insurance company be like: Bhai inko ek khokha bejado..hamari dhoti kol Raha hai
..
The only people i trust today are you Guys.......LLA💝 God Bless you and your family Guys😇
ધન્યવાદ
After watching your videos, I consider myself a little better than yesterday. Thank you for making the Indian audience more jagrook.
Insurance Samadhan is doing great work. I have experienced their service. It's top notch.
Sandeep Maheshwari Ke Show pe jaooo na sirrr ❤️
It's a must and unmissable.....Please visit
Kyun?
Hello LLA crew Just a small correction: the true percentage is closer to 67% than 75%.
I had faced similiar condition, then I mailed my HR, putting my manager and greivance officer of insurance company in CC. And it got approved very next day. 😂
Mujhe claims ka partial rejection nhi satata , kionki mere mamu hi lic agent hai wo khud hi claim pass karwate hai 😊 , thank you mamu ❤
bhai thanks bhai
we fought this scam and won
yes it took some years.. but in the end we won
and got full claim passed with penalty & interest
👍👍👍
Claim rejection ya partial rejection Ka problem Nahi .. problem honesty hai.. India mai garib janta Apne aap ko weak samajthi hai aur companies uska Pura fayda uthathi hai....humanity and honesty ki Kami hai ...it's a cultural/ moral issue
Even I have faced similar thing in my family, but being a common man we had accept whatever they gave..
Mera bhi hua tha, insurance company k piche pda, unki policy m ek clause Mila jiske according COVID m claim m deduction nhi rok sakte the, pehle to unhone 70% reject kr dia tha, phir 95% ho gya jab bar bar unko unka clause yaad krwaya
Thank you so much LLA team for spreading such awareness. Please keep making this type of videos.
The work you are doing is really commendable... The time sacrifice you are giving to make such valuable things for Middle class... You are no less than a god for someone 🙏🙏 thank you very much 🙂
I'm govt. employee and i audit the medical bills of other employees of our department i want to say that as per govt. policy they reimbursed upto 90 percent of their medical expenditure.
Please jo companies aesa karti hai unka ek list jari kijiye jinse aese companies aesa karna band kar de. Aap bhi foodpharmer ki tarah desh me badlaw laa sakte h❤
Thank you for making people aware.
You guys are the best answer to the humanity. We love you from the bottom of my heart.
I found it lucky, I have very big family if you count then it will be 50 plus from both the parties. We all have ICICI Lombard, All New India Insurance and RailyGare and 1 member has Max Bupa. In last 4 years there is only 1 rejection with max bupa rest all are cleared more then 35+ claims including Covid. Icici is big plus for new people.
In my opinion It's better not to taken any health insurance & save some amount as emergency fund every month
That's the stupidest thing you can do.
I have faced this problem… cashless claim has been re-settled 3 times with decreasing amounts instead of enhancement..
All general insurance companies except 1 or 2 all are in losses...due to fraud claims
Thanks a lot LLA team for this most common but crucial incident related video. I have seen no customer who got reasonable amount of claim. That's why people don't have faith in insurance policies. They r very cunning.
I think there’s slight misunderstanding..insurance company never rejects claim partially unless and until there is non disclosure of information from person..people try to hide diseases in the name of other smaller diseases and then apply for insurance then this kind of situation occurs
Kindly start making an excel database based on health insurance with riders and conditions for claim rejection all cases
You are simply a genius who help others without any स्वार्थ
My claim was also rejected the reason is that my deteriorating health by an injunction and that is not in their terms.