Health Insurance Moratorium Clause - Claim cannot be rejected if 5 years Policy have run. The purpo
In this Hindi YouTube video, the speaker explains the health‑insurance moratorium clause, which states that once a policy has been continuously in force for five years, insurers cannot reject a claim on the basis of a pre‑existing condition unless they can prove 100 % fraud—a practically impossible standard. He advises viewers to fully disclose any existing health issues (overweight, high blood pressure, diabetes, etc.) when purchasing a policy, to keep the policy active by paying premiums on time and undergoing regular medical check‑ups, and to avoid any lapses. He emphasizes that after the five‑year mark, claim rejections become very difficult. The speaker also recommends buying coverage equal to 8–10 times one’s annual income (e.g., for a ₹10 lakh income, a sum insured of ₹80 lakh to ₹1 crore). Finally, he mentions that a future video will address whether the insurer provides cashless hospitalization benefits.
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