DealGini

May 2026 bring you endless happiness, great health, and success in every venture. Wishing you a New Year filled with hope, joy, and laughter.

May the divine light of Diwali bring peace, prosperity, and happiness to your life.
Happy Diwali to all of you.

Wishing you a bountiful and joyous Dhanteras filled with the blessings of Goddess Lakshmi and Lord Dhanvantari!

As the new year unfolds, may every day be a canvas for you to paint your dreams. Embrace the moments of joy, cherish the time with loved ones, and find strength in every challenge. May peace, health, and happiness accompany you on this journey, making it truly extraordinary. Here's to a year where every moment is a step towards realizing your aspirations. Happy New Year!

Team Dealgini extends warm wishes for a joyous and festive Christmas season to you and your loved ones.

Wishing everyone a Happy Ganesh Chaturthi! May this auspicious occasion bring joy and prosperity to all. Ganpati Bappa Morya!

From Team Dealgini

May the divine presence of Lord Krishna fill your life with boundless love and eternal happiness. Embrace the spiritual essence of Krishna and let it guide you towards a path of inner peace and contentment. .

Raksha Bandhan is a sacred festival that celebrates the bond of trust between brothers and sisters. It is a time to strengthen the relationship and promise to protect each other. This festival is a symbol of love, care, and unity among family members.

Wishing all a jubilant and celebratory Independence Day! Today marks a significant day in our history when we commemorate the freedom and sovereignty of our nation. It is a time to reflect on the sacrifices made by our forefathers and to appreciate the rights and privileges we enjoy as citizens. Let us come together to honor the values of liberty, democracy, and unity that define our country.

- Team Dealgini

🔊 🔊New Health Insurance Guidelines by IRDAI in 2024 🔊 🔊

The Insurance Regulatory and Development Authority of India (IRDAI) has updated its health insurance regulations, effective April 1, 2024. Here are the key changes:

1. Health Insurance for All Ages
- Insurers must offer health plans without an entry age limit, benefiting all age groups, especially senior citizens.

2. Reduced PED Waiting Period
- The waiting period for pre-existing diseases is now capped at 3 years, down from 4 years. Insurers cannot reject PED claims after this period.

3. Shorter Specific Disease Waiting Period
- The waiting period for specific diseases or procedures, such as joint replacements, is also reduced to 3 years.

4. Policies for Severe Medical Conditions
- Insurers can no longer deny coverage to individuals with severe pre-existing conditions like heart disease, cancer, renal failure, or AIDS.

5. No Sub-Limits on AYUSH Treatments
- AYUSH treatments (Ayurveda, Yoga, Naturopathy, Siddha, Unani, and Homeopathy) can be claimed up to the sum insured without sub-limits.

6. Customized Plans for Specialized Groups
- Insurers are encouraged to create tailored health plans for senior citizens, children, maternity, students, and other specialized groups.

7. Dedicated Support for Senior Citizens
- Insurers must establish specialized channels for handling claims and complaints from senior citizens.

8. Reduced Moratorium Period
- The moratorium period for non-disclosure of pre-existing diseases is reduced from 8 years to 5 years, after which claims cannot be denied unless fraud is involved.

9. Benefit-based Policies Only
- Insurers are now required to offer only benefit-based policies, ensuring fixed payouts for covered diseases, eliminating indemnity-based policies.

10. Multiple Claims Allowed
- Policyholders with benefit-based policies can file claims with multiple insurers, offering greater flexibility and options.

# # # Summary
IRDAI's new guidelines aim to make health insurance more inclusive, reliable, and accessible. These changes are expected to boost consumer confidence and increase insurance pe*******on in India.