IRDAI Master Circular for *Health Insurance* Companies | NEW Rules 2024 | Gurleen Kaur Tikku
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- Опубликовано: 7 июн 2024
- IRDAI has launched their Master Circular 2024 for Health Insurance Companies operating in India on 29th May 2024.
The circular highlights the broad requirements to be complied with by the insurer for the insurance companies.
This circular is revised every year in favour of the customers & to motivate people to buy more & more health insurance.
You can find the Master Circular HERE : irdai.gov.in/document-detail?...
WATCH THE VIDEO FOR MORE DETAILS :)
To buy insurance policies, click here - hareepatti.com/contact-us/
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#irdai #healthcareinsurance #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 18 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. 
Кино
Yeh sab medical insurance point Batane ke liye Thanku
I don't understand Hindi language but some how I was able to understand your video as you have given the details in English words.
Thank you so much for the video, I'm in the process of purchasing a personal health insurance for my family so I would ask this questions with them before purchasing the policy.
Thank you❤
Thanks a lot; for such a brief review. My mother is now under a health insurance policy(group plan) since 2019 under HDFC ERGO and Bandhan bank, purchased through Bandhan bank. Now their tie up is over, so the existing policy could not be renewed any more. She is now 65 years old suffering from BP, cholesterol and hypothyroidism. HDFC ERGO said that group plan can not be migrated. Now according to the rule 11 of IRDAI, migration of plan in indemnity policies, said plan can be migrated to HDFC ERGO retail plan(in the same insurance company).? Please guide me. Thanks in advance
Policy migration ho jayega optima secure pe
Apko branch office Jana padega all documents leke . Bm apko help korega
Migration is possible, please contact the nearest HDFC ergo branch
Excellent summary of the new rules. Absolutely fluent delivery.
Thank you for this very very useful service.
God Bless.
Thanks a lot, keep watching !
Fantastic Gurleen for your video it makes common person very very easy to know what’s going on thanks a lot 🙏
Most welcome jee :) Keep watching!
Thank you very much Ma'am for explaining everything very nicely.
Keep watching !!
Thanks for this detailed explanation. This resolved my lots of query and doubts. Thank You❤
Glad it was helpful !
Very Useful Information Thank You so Much Mam 😊
Thank you so much. This really helps everyone.
Glad, Thank you & keep watching for more such informative content.
Thank you for your detailed explanation.
Glad it was helpful, keep watching !
Thanks a lot Ma'am for most Important Info.....
Many doubts are clear through this video.....
Glad, keep watching for more such informative videos.
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
Will these be applicable for new policy only or for previous policy also ?
Very good information for all health insurance policies holder's. Thank you Madam.
Madam You explain very simply way. Thanks
Thanks a lot. Keep Watching & do Subscribe !
Very Informative Video for Health insurance advisor also.
True.
Keep watching for more such informative videos.
Thanks for the detailed explanation
Glad it was helpful, keep watching !
Superb explanation. Thanks a lot
Thank you jee, keep watching !
Great, Madam, in detail information given by which each and every information useful for me, Thank you so much
Thanks a lot, keep watching !!
Excellent knowledge shared
Nice presentation. Very informative video 👍
Thanks a lot, keep watching !
Thanks. Very informative video.
Glad it was helpful, keep watching !
Thank you for your simple yet very informative explanation abt the new guidelines. Indeed it will be very helpful for a policy holder.. I appreciate the initiative of IRFA and appropriate effort to explain and making it simple to understand. Thank you once again..
Thank you s much, keep watching for more such informative content.
Mam abhi new policy lena sahi rahega yaa phir July k baad he policy buy kare,,,
Lets say Agar inme se kuch follow nhi kiya insurance company ne complaint kise krna hai? Insurance company ko ya irdai...
Great Ma'am thank you
Thanks a lot, keep watching !
Hi...the 13th point is live now right? As I have taken 3 years HI one time but i have asthma but it has been a decade now i am not having any issues with asthma but i have not mentioned the same in policy but now if i am with company more than 5 years now it can now easily get covered with the same disease if something happened right???
Superb information mam thank you so much 🙏🙏
Thank you , keep watching !
Thanks for updating
Thank you , keep watching !
Most awaited video.Thanks Gurleen.
Thanks a lot, keep watching !
Thank you for sharing
Thanks a lot , keep watching !
Thanks for important updates
Thanks, keep watching !
So much helpful.
Glad it was helpful, keep watching !
Thank you Gurleen ji..you r the best in business!
Thank you so much, keep watching !
Nice..interesting informations sharing..
Thank you jee, keep watching !
Mam. ji thanks for detailed information
Thanks a lot, keep watching !
Thanks for update ma'am
Keep watching for more such informative content.
Awesome & informative video Gurleen Kaur ji! Can a kidney donor buy a health insurance policy?
Thanks ❤
Keep watching for more such informative content.
Thanks🙏
Keep Watching !
Gurleeen dear
Bhahot badiya explain kiya as usual very fast Girlee:)
Thanks a lot, keep watching !
Very informative video
Thank you jee, keep watching !!
Mam really thank you so much for giving detail information regarding Health insurance.
Kindly request you please give home insurance details.
How are the insurance policies looking into this new rule
Very nicely explained
Thank you so much 🙂
Thanks mam 🙏🏽
Thank you jee, keep watching !
Thanks for enlightening us.but madam I have a question,will the insurance company follow the rules and regulations of IRDAI?
yes, they will
Mam my relative has policy from October 2018 i.e; 5.5 years till date and has hernia which is from past 10 years and he has not disclosed in his policy starting because he was not aware of that. Will he get claim now due to moratorium period benefit?
What about health issues related to child birth ?
Ye poorani policy par bhi applicable hoga ya phir circular implementation ke bad jo policy le ga uske liye applicable hai.
I think It will be implemented on new policy and ur will be new one after renewal of ur existing policy...
Ys it will be when u will renew ur policy ....
Regarding point 13 you have covered in the video which mentions that Policy / Claim cannot be contested after 60 months of continuation. But what if a policy-holder has migrated to a different plan within the same insurance company ? OR what if the policyholder has ported to a different insurance company ? - will this clause still hold true?
It's doesn't matter u had migrated or port will be applicable on all..
It is applicable on Migration / portability as well, if the policy is renewed without the break
Are everything and every medical conditions covered after the moratorium period within the sum assured?
Yes, covered
Madam do you think they will cover PED like IBD , UC , Crohns ?
Please advice
They may cover in future
Pl make video on GIC Also
Thank you ma'am
Thanks a lot, keep watching !
Nice 👍
Thanks a lot !
Helth insurance policy done by bank customer (bank group) can be migrated within the same company, either on an individual or floater basis, please
clarity.
Bank policy port Nehi hoga.
Bank policy can't be ported.
@@GurleenKaurTikku Thank you 🙏
Thank you mam
Keep watching !
Thanks for sharing this information
Thanks a lot, keep watching !
I have been having a group medicare policy with Canara Bank, originally with Apollo Munich from 2018 and TATA AIA from 2020. Is it possible for me to port to a retail policy?
Nice presentation
Thanks a lot, keep watching !
Madam mera ombudsman se award mil gya hai lekin insurance company wale paisa nhi de rehe hai 4 mahina pehle award mil tha wo bol rahe hai ki wo high court me Jayenge ab aage hm kya kare
hello…some companies are providing protection for list 1 for non medical items.list 2,3 and 4 are charges which are subsumed to be part of room ,diagnostic procedure treatment etc.does it means they are covered automatically and only we need list 1 add on cover
Few companies are covering list 1 and few are covering list 1,2,3,4 .
The claim is paid out accordingly.
Nice video. One question - How will moratorium period be calculated for existing policies? For example for policies started last year will they have 8 years of moratorium or will it be 5 years counted from next renewal?
Yes, from next renewal
@@GurleenKaurTikku Thanks
Migration kya once in a lifetime hai ya hum multiple times migrate kar sakte hai ?
It can be multiple times
Add : agar ombudsman ke award ko timely company honoured nahi krti to per day 5,000/- ki penalty insured ko as a compensation deni padegi... Kindly refer to page 10 clause 20 of the said master circular....
Thanks for this important information.
After paying premium for 5 years, the claim will not be rejected. This applies to both medical insurance and Term insurance??
This particular circular is for Health Insurance.
Ma'am it's a request can you please make a video on kotak life and health insurance review kind of
Btw awesome videos ma'am
Yes, we will bring up a video soon.
Keep Watching !!
Bajaj silver policy renewal date is 23th June 2024. Wanted to port to any good policy. Let me know the formalities.
Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements & medical history.
Thank you
My grandmother has parkinson and i have purchased care freedom, there is no other policy
Hello ma’am ,
Very well explained. And I have a question, as my parents health Insurance police has to be renewed on 17 Th , I am thinking of porting the police from Icici to New India assurance, my question is - no Clame has been make from the beginning , now as I wish to port from Icici to New India assurance floater, Can I get the benefit of No Clame bonus as you have mentioned in the vedio according to new IRDAI rules ???
Plz reply ma’am , as I have only 2 days in hand for renewal
NCB ,ay not be transferred currently, these rules shall be applicable from 31st july.
You may check with New India for better clarity.
Jisne policy feb 2024 mai li hai uska morotarum period konsa rehega and kab count hoga
Thanks in advance for reply
I along with my wife have health insurance policy of Nova Bupa. Last year, we paid Rs. 55,000/- on account of annual premium. Now, our health insurance policy is due for renewal. This time health insurance company is asking Rs. 75000/- for annual premium, which is not justified. Please advise what should we do?
Mam kya health insurance company claim dene ke liye mobile location track kar sakti hai ya mang sakti hai customer se ??
Agar aapko pata ho to please bataye
Not sure jee, Haven't come across any such incident
Mashaallah 🎉
Excellent information . Thank you Madam. Today Morning I have done Star Comprehensive Policy . According to you I disclose all my Prescription, Blood Report , vaccination etc. Thank you Madam
Great jee
5 years ka Moratorium period toh 1 April 2024 se hi applicable ho chuka hai as per IRDAI. But I have purchased a policy this month, usme 8 years h moratorium period. What can I do now? Company customer care wale bol rahe h ki abhi koi update nahi h.
Solution??
30th September 2024 tak sabhi health insurance policies me IRDA updation aaye jayenge
@@senguptasentertainment8790 Thanks for the update. Was looking for this answer.
@@senguptasentertainment8790 ye rule 1 April se applicable hona tha
@@senguptasentertainment8790ye rule 1 April se applicable hona tha
Plz explain Irda new Rules 11 June ..... Regard Cancel any time policy
This is as per master circular, explained in this video
Sbi k Arogya plus policy withdraw kr rha hai . Iske baremay video banaiye.
Yes, mere pas yea policy he. Email Aya he withdrawal ka. 2 din pehle hi Mera 1 cashless claim Pura approve Hua. They r very good in giving claims, as per my experience
Can you please do a video on SBI General Arogya Plus policy withdrawal update and situation for existing policy renewal for existing users?
Hello jee, please check the video : ruclips.net/video/uNjp5umhyjk/видео.htmlsi=DHfF3_5q7XDi5_rw
Hope this helps , keep watching !
@@GurleenKaurTikku Thanks for the reply and sharing this.. There is also news about withdrawal of this policy and I'm not sure if they just stopped issuing a new policy or actual withdrawal where the policy holder has to migrate to another policy. I thought this might be a good topic if the news about withdrawal is true
Mam ye to batao ki pre existing disease ydi bachpan me thi aur thik ho gyi, or 6/7 sal phle koi Disease thi medicine leke thik ho gyi but in sb ka koi document available nhi hai to kaise disclose kren...
Disclose karna zaroori hai
mast
Thank you 😃
Wow Maim You Are a Master on your Profession
Thank you so much, keep watching !
Hello madam, thank you for this informative video. I have messaged you several times before as well. Madam iam blind person (PWD). I was denied to issue health insurance because of blindness and my health insurance application is rejected. Madam ease make a video on where can people like me complaint with this issue and please make a video like which company and policy can be issued to us.
Thank you
Currently, policies are not available.
However, in future, insurance companies will bring policies that are specific to all.
Madam SBI super health pe vdo banaye
Sure, we will bring up a video soon.
All are blessing of Modi and IRDAI. A very nice move
❤❤🎉🎉🎉
💚💙
16 no points we face for discharge
Good Decision
👍
Mam you speak fast, pleaes pause which will help us understand correctly
Thanks for the feedback, please use 0.75x playback speed
Playback speed kam kar lo. Main to ulta tej karta hu
Niva bupa is really best in market
👍
🎉
मैडम अगर किसी ने अपनी प्रे-एक्जिस्टिंग डिजीज कंपनी को नहीं बताई और उसे पॉलिसी में मेरीटोरियम पीरियड भी लागू हो गया है क्या कंपनी उसका क्लेम रिजेक्ट कर सकती है
As per the clause, After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy.
However, not advisable to buy policy on non disclosure
Thanks madam आप बहुत अच्छे तरीके से डिस्क्राइब करती हैं 🙏🙏🙏🙏
Still there is a grey area about pre existing disease, if someone intentionally didn't mention about the disease, and claim after 5 yrs, who is responsible or find out the problem????
ABHA Card going forward will be the Key for this
It is a duty of policyholder to disclose the pre existing conditions that they are aware of
Mam your videos are so so informative and we learn a lot from your videos too kindly help me I am trying for insurance from past 14years but after paying premium they return it by saying any time I can die but for past 14years with the grace and blessing of Gods and parents I am alive and strong I lost my one kidney 14years back due to 2stage RCC cancer but since then with one kidney I am fine still no one is giving health insurance please please please help me
IRDAI is said to be formed for the protection of consumers right or heard in your video here that insurance companies adhere to follow the rules and regulations of the IRDAI but in practical their motive is just opposite of it. They do not take action against the fraudulent companies because they are highly obliged by them. I can provide ample proof for it.
Madam ...13 point yani moratorium period ko leke ek sawal hai....agar kisi ne policy lete waqt alocohol ka nhi bataya....aur baad me wo peene laga aur uski policy ko chalte hue 5 saal se zyada ho gye ho...aur agar 5 saal ke baad koi claim aata hai , ...like LIVER CIRRHOSIS ya kidney se related bimari ka...aur blood ya urine me alcohol milti hai, ya agar wo drink karne ke 72 hrs baad hospital me admit hua to kya use claim milega....aapne kaha ki 60 mahino ke baad insurance company claim ko kisi bhi ground par deny nhi kar sakti ..kya ye thik hai.....PLEASE MADAM ANSWER ZAROOR KIJIYE.
Please madam answer 🙏🙏
The claim can be denied because of the self infliction clause
@@GurleenKaurTikku madam..par aapne bataya ki 5 saal ke baad koi claim deny nhi ho skta
Kya master circular . Isse premium one is to double hoga. Aur SBI ka arogya plus plan Jo tha lifetime same premium o hum sabne leliya aur kayi log doosri company SBI me port Kiya kyunki same premium lifetime hai karke laikin ab o withdraw kardiya hai aur renew bhi nahi ho Raha hai , o kehte Hain ki SBI ka super insurance plan me hi migrate karna padhega Jo k one is to trible premium aata hai..aur hum doosri company me bhi port nahi karsakte agar koi major ya critical disease hota hai to it's cheating to customer, Jo sale karte waqt kahata ki life time same premium aur lifetime renewal bolke
IRDAI ko strict action Lena hoga k koi Bhi company apna Plan agar withdrawal karti hai to bhi existing customers ko o plan renewal k liye Dena padhega, kyunki customer plan benefits dekhke insurance kharidta hai aur baad me o plan withdrawal kardete hain to use Kya hai
Thank you madam. Pls sujjest a health insurance for my 76 yrs mother who is a cancer patient and now fine with 1 daily tablets. Regards 🙏
Hello jee, Policy will not be possible for her
Your first point itself is false.
We can underwrite only those cases which are risks that can be insured.
Certain conditions like: existing cancer patients or patients with cancer history even though treated, heart conditions, end liver stage or kidney stage, aids etc. are still never accepted in any circumstances.
Insurance is a business not an NGO.
Currently, the plans are not available.
IRDAI has instructed insurance companies to issue such plans in future.
Thanks