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2,863,206 Views β’ Apr 17, 2024 β’ Click to toggle off description
@uncoverwithabhishek from OneInsure answers this question on the latest episode on our YouTube channel.
Hope youβve watched it
Views : 2,863,206
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Uploaded At Apr 17, 2024 ^^
warning: returnyoutubedislikes may not be accurate, this is just an estiment ehe :3
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User score: 98.40- Masterpiece Video
RYD date created : 2024-09-15T18:55:42.713529Z
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YouTube Comments - 231 Comments
Top Comments of this video!! :3
He can do anything in his life and get rejected when they claim π
2.2K |
Wouldn't it be wiser to inform your insurance company that you've started smoking? Otherwise, could they potentially demand proof from your family that you weren't smoking before you took out the insurance, at the time of a claim?
327 |
COMPLETELY WRONG. We should inform the insurance company. They will increase your premium. Suppose if you are 36 non-smoker and paying a premium of 1000/- and another 38 non-smoker paying 1050/- for the same sum assured. Then 36 smoker should pay additional 50 Rs. (i.e. 2 year older age) payment for compensation. PLEASE READ THE POLICY DOCUMENT.
63 |
Guys no need to worry, just tell your Insurance company you live in/go to Delhi frequently! π
53 |
Term life insurance is generally expensive for smokers as they are at a greater risk for diseases. Smoking can damage the lungs, heart and other body parts. This increases the risk component for insurers. As a result, the premium for life insurance plans is higher for smokers.
4 |
actually for the first 3 years if you claim the amount and found you were smoking then the claim gets rejected and if after 3 years of insurance they can't reject the claim.
7 |
He ain't smoking 1 cig a month ππππ
He's smoking a dubii π! And called up to check if his Insurance company would be ok wit
13 |
Looks like the caller is a QA guy in IT π
1 |
Guys... They do a health check before they give you the policy. (Term Insurance)
Read that health check very carefully, they might write something as can be in future based on diagnosis.
If later you die due an illness that is caused "only" by smoking, then the company will not pay
In other cases, they will make the life of your dependents a hell, specially because THEY DON'T READ! They cannot reject the claim, you just have to make sure your doctor is on your side as well. As they themselves checked you before giving policy.
Make the right arguments and you get claim, but then again, most people just don't read... It's never an issue if you know it all, you won't be there when it'll count...
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@sharan, u need to update your term insurance from non smoker to smoker, other wise it will leads to rejection. Openly disclose the things, make 100% clarity that after we go our family should not suffer.
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Guys they are taking ONLY about term insurance not health insurance π
3 |
What an amazing question Sharan! Bourvita Quiz Contest called, wants you as their quiz master.
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This is called "Moral Hazard" in Game Theory!
30 |
Let's say he gets lung cancer. If insurance company rejects the claim on the basis non smoker won't get lung cancer than?
38 |
Please say this to your insurance agents who yas tye habit ticking all "no" boxes by his will without asking the purchaser just because he has targets to achieve. It is not his mistake either, his company's, which gives targets to his agents.. The same company which confuses purchaser with lot of legal BS while claiming the policy benefits..
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What is the effect of smoking on insurance exactly?
19 |
Insurance company is not a smaller one, they can change the decision so being careful and helpful for your own is the best thing to you bro because suddenly if your insurance fucks you can't fight in courts with insurance company easily.
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Well being an insurance investigator if I find out he has been smoking after he took the policy, I will use that to cancel his claim.
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What happens if a non-smoker taking term insurance becomes a smoker after a few years?
To ensure complete transparency, it is recommended to inform the insurance company of your changing lifestyle habits. The insurance company may reject your nomineeβs claim if any discrepancies are found later. Therefore, it is better to be honest and avoid any inconvenience for your family in your absence.
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@harshavardhansonawane8076
5 months ago
Even if youβre not obligated to tell them that youβve started smoking, all your illnesses that will disclose the effects on your body of smoking will cause your policy redemption to be rejected. So if you have accident or some issue with your limbs it may not matter but for lungs brain kidney and liver illnesses the disclosure will cause your claim to be rejected. Working 2 years in insurance field so I know
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