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@NIKHILLJHA Avatar @NIKHILLJHA Nikhil Jha

Nikhil Jha posts on X about insurance, shield, elevate, fintech the most. They currently have XXXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours.

Engagements: XXXXXX #

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Mentions: XX #

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Followers: XXXXXX #

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CreatorRank: XXXXXXX #

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Social category influence finance #3682 countries XXXX% stocks #6139 automotive brands XXXX%

Social topic influence insurance #78, shield #78, elevate #589, fintech #536, india 0.29%, why is 0.29%, cancel 0.15%, a list 0.15%, lakh 0.15%, pays #333

Top accounts mentioned or mentioned by @nivabupa @basedmonkeey @icicilombard @_jphilips @adityadshah @abhishe70626011 @grok @frustratehumai @the_adig @kavadenitin @tradestoryash @aseemgulati @vinodyaradal @agrawalsahib @ananthnani @adityad_shah @anonymo54928288 @writersumeetg @nagarudra99651 @karma8282797055

Top Social Posts #

Top posts by engagements in the last XX hours

"So what is critical illness cover On the diagnosis of any of the critical illnesses listed as per your policy document The policyholder receives a lump sum of the sum insured. This can be used for medical care and any lifestyle changes"
X Link @NIKHILLJHA 2025-10-13T02:40Z 47.5K followers, 1353 engagements

"Yesterday A customer pressured us Please hide my pre-existing liver cirrhosis and get me a policy We explained to him Honesty is the best policy in insurance Liver cirrhosis is not a small disease The insurer will find this out during a claim. The insurer will reject the claim and cancel the policy The customer would not listen and insisted that we hide the disease We then advised the customer that We will not be able to work with him and he could look at other agents to buy a policy The customer was truly unhappy and started abusing The ingredients to a claim start from the day the policy is"
X Link @NIKHILLJHA 2025-10-17T05:03Z 47.5K followers, 13.9K engagements

"The family lodged a cashless claim:- Insurer rejected the claim stating:- Mr X had undergone ovarian cyst removal in 2017 and failed to disclose it when buying the policy leading to its cancellation. In fact insurer went ahead and terminated the policy as well"
X Link @NIKHILLJHA 2025-10-11T03:24Z 47.5K followers, 1829 engagements

"Claim support remains the No X priority for us We always ask customers to connect with us the minute they are admitted to the hospital Our teams completely support in lodging the claim and helping with every detail possible. Helping this customer to lodge a claim Mobilized the insurer claims team to help in the smooth authorization of this claim"
X Link @NIKHILLJHA 2025-10-14T11:18Z 47.5K followers, 6742 engagements

"Which policies have this unlimited restoration Most comprehensive policies now have restoration benefits no questions asked X. HDFC Ergo Optima Secure X. Niva Bupa Aspire/Resassure XXX X. Star Super star X. ICICI Elevate(Same person same illness after XX days X. Care supreme 6.Acko platinum And some more"
X Link @NIKHILLJHA 2025-10-14T02:41Z 47.5K followers, XXX engagements

"🚨What are the top insurance policies with unique features🤔🤔 A list of top comprehensive policies with unique features👇"
X Link @NIKHILLJHA 2025-10-07T03:24Z 47.5K followers, 28.3K engagements

"Every Fintech Every broker Wants to sell insurance Insurance is viewed as a cash cow But very few or almost none of these companies invest acquiring in depth knowledge on insurance Claims support is just a miss for many of these companies"
X Link @NIKHILLJHA 2025-10-13T03:55Z 47.5K followers, 6584 engagements

"🚨Mega Comparison Series Niva Bupa Reassure XXX Vs HDFC Ergo Optima Secure Both policies come with unique features:- 🩺Reeassure XXX comes with unlimited sum insured and premium lock(Premium wont rise until first claim) 🩺Optima Secure comes with 2x cover from Day X and 4x cover in X years Here is a comparison of both policies👇"
X Link @NIKHILLJHA 2025-10-03T02:09Z 47.5K followers, 13.7K engagements

"In 2024 In 2024 Mr X was diagnosed with peritoneal mucinous adenocarcinoma with lung involvement Mr X underwent chemotherapy surgery for intestinal obstruction and treatment for pulmonary artery thrombosis incurring medical expenses exceeding Rs XX lakh"
X Link @NIKHILLJHA 2025-10-11T03:24Z 47.5K followers, 1908 engagements

"🚨Critical Illness policy-A Compulsory requirement now If you are diagnosed with critical illnesses like 🩺Cancer 🩺Heart illness 🩺Kidney diseases etc Your Health insurance policy pays for your Hospital bill But What about the loss of employment A critical illness policy will help you with Lumpsum payment in case of diagnosis of Critical illnesses A thread🧵on critical illness policy and why is it necessary👇"
X Link @NIKHILLJHA 2025-10-13T02:40Z 47.5K followers, 18.7K engagements

"Some policies available for critical illnesses X. ICICI Critishield The ICICI policy is the most comprehensive policy. It covers near about XX illnesses and has a maximum sum insured of 40L"
X Link @NIKHILLJHA 2025-10-13T02:40Z 47.5K followers, 1301 engagements

"Who is the worst health insurer"
X Link @NIKHILLJHA 2025-10-05T11:18Z 47.5K followers, 41.5K engagements

"Things to buy when u start saving first X. Health insurance with a cover of at least 10L X. Term insurance(if needed) X. Critical illness and Personal Accident plan Most people never buy a critical illness plan. But if a critical illness is detected It is really important to have a critical illness policy which gives a lump sum payout"
X Link @NIKHILLJHA 2025-10-12T03:57Z 47.5K followers, 38.7K engagements

"🚨Restoration Benefit-The most important benefit in health insurance Restoration is a must-have feature in the policy now 🩺Restoration means an unlimited refill of the base sum insured to the policy 🩺Some Companies restrict the terms of the restoration benefit 🩺Always make sure ur restoration benefit has no restrictions 🩺Almost all comprehensive policies now have unlimited restoration with no restrictions Here is everything u need to know about restoration benefit👇"
X Link @NIKHILLJHA 2025-10-10T02:51Z 47.5K followers, 13K engagements

"Miselling in life insurance"
X Link @NIKHILLJHA 2025-10-13T10:36Z 47.5K followers, 5361 engagements

"Some day there is a claim rejection from Niva Bupa Outrage against Niva Bupa Some day there is a claim rejection from ICICI Lombard Outrage against ICICI Lombard Some day there is a claim rejection from HDFC Ergo Outrage against HDFC Ergo Some day there is a claim rejection from New India Outrage against New India All of this points out to Health insurance is really really complex There are 100s of reasons for claim rejection Some reasons are legitimate Some reasons are not legitimate Only when u buy online and claim is rejected Do understand the value of an agent who understands claims"
X Link @NIKHILLJHA 2025-09-19T03:11Z 47.5K followers, 86.2K engagements

"@AshokVe89706095 @Pankajem not knowing is okay but if u had reports and didnt disclose then it is an issue"
X Link @NIKHILLJHA 2025-10-16T09:37Z 47.5K followers, XXX engagements

"@VikingRagnarL @TataAIA_Life What is the problem"
X Link @NIKHILLJHA 2025-10-10T13:05Z 47.5K followers, XXX engagements

"When we post something good about HDFC Ergo Some People:- This is a paid tweet U are biased to insurers When we post something good on ICICI Lombard Some People:- This is a paid tweet U are biased to insurers When we post something criticising insurers No one appreciates it When insurers misell reject claims for stupid reasons We criticise insurers irrespective of the insurers. Some insurers have threatened us with the termination of the partnership Some insurers have threatened legal action against us But we continue to help people with rejected claims We continue to hold insurers"
X Link @NIKHILLJHA 2025-09-17T03:48Z 47.5K followers, 23.5K engagements

"HDFC critical illness policy HDFC's policy has XX illnesses covered with a maximum sum insured of 50L No mandatory medical check-up up to XX years"
X Link @NIKHILLJHA 2025-10-13T02:40Z 47.5K followers, 1171 engagements

"If you buy group health insurance products like Icici Lombard health shield XXX Your fate will be same like this. Forced migrations High premiums 👇"
X Link @NIKHILLJHA 2025-10-16T04:23Z 47.5K followers, 5850 engagements

"Fact:- Term insurance till retirement(6065)Term insurance till 80-85"
X Link @NIKHILLJHA 2025-10-06T09:16Z 47.5K followers, 55.6K engagements

"ICICI Lombard is killing it in health insurance. Backed by:- 🏦Health insurance-Elevate 🏦Super top up-Activate Booster 🏦Critical illness policy-Critishield ICICI Lombard's health portfolio is undergoing a major transformation The company reported a XX% growth in its individual health portfolio. Strong growth will continue as long as customer-friendly products come in"
X Link @NIKHILLJHA 2025-10-15T09:20Z 47.5K followers, 24.9K engagements

"🚨What happens if you hide/forget to disclose a disease while buying a health insurance policy Just talked to a follower His claim for his father was rejected by a top insurer. He did not disclose diabetes for his father while buying his policy X years ago His father was admitted to the hospital for chronic kidney disease and is now on dialysis. During the investigation The insurer found that the father had diabetes while buying the policy and this was not disclosed. The customer told us his father forgot to disclose the disease as he was unaware he needed to disclose. The insurer not only"
X Link @NIKHILLJHA 2025-10-16T07:42Z 47.5K followers, 23.2K engagements

"@rolen_dsouza @Niva_Bupa Pls share rejection letter"
X Link @NIKHILLJHA 2025-10-16T09:40Z 47.5K followers, XX engagements

"Health Insurance is very very complex🤯🤯 From Checklist to buy health insurance to Room Rent limit to Policies for Senior Citizens I have written XX threads simplifying health insurance A thread🧵of threads on all topics simplifying health insurance👇"
X Link @NIKHILLJHA 2024-05-12T06:56Z 47.5K followers, 469.2K engagements

"@subrata_minu @AdityaD_Shah ok"
X Link @NIKHILLJHA 2025-10-15T04:22Z 47.5K followers, XXX engagements

"@Pankajem then no problem"
X Link @NIKHILLJHA 2025-10-16T08:41Z 47.5K followers, XXX engagements

"What is cancer Cancer is a disease that occurs when cells in the body grow and multiply uncontrollably forming tumors and potentially spreading to other parts of the body Cancer can start almost anywhere in the human body which is made up of trillions of cells. Normally human cells grow and multiply (through a process called cell division) to form new cells as the body needs them. When cells grow old or become damaged they die and new cells take their place"
X Link @NIKHILLJHA 2025-10-14T02:41Z 47.5K followers, XXX engagements

"@agrawalsahib @Universal_Sompo can u share the renewal notice"
X Link @NIKHILLJHA 2025-10-16T12:10Z 47.5K followers, XX engagements

"@sidd_mish @nikhil89nick if the insurance company proves this is a fraud then nothing can be done"
X Link @NIKHILLJHA 2025-10-17T04:49Z 47.5K followers, XX engagements

"🚨Health Insurance Claims Stories-How the moratorium period saved this claim Sum Insured=50L Claim Amount=25L Policyholder passed away The insurer rejected the claim "stating previous medical history not disclosed" Consumer Court slammed the insurer Fined the insurer and awarded the claim with X% interest What did the insurer do to win the claim Let's find out in this very important claims stories 👇"
X Link @NIKHILLJHA 2025-10-11T03:24Z 47.5K followers, 18.2K engagements

"@jayantgourkar @StarHealthIns @BeshakIN very common in reimbursement claims Delay is a given"
X Link @NIKHILLJHA 2025-10-14T06:42Z 47.5K followers, XX engagements

"Niva Criticare policy Niva's policy covers up to XX illness and has a sum insured of up to 1cr -2cr There is a compulsory medical check up to this policy"
X Link @NIKHILLJHA 2025-10-13T02:40Z 47.5K followers, 2167 engagements

"🚨Why is buying a personal health insurance policy on top of corporate health insurance essential One of our followers approached us He had a 5L corporate policy from his office He never thought about buying a health insurance policy He himself was diagnosed with cancer The total cost of treatment came to 28L His office policy only had a 5L and rest of it had to be covered by his own pocket. Not only this Due to his prolonged treatment he could not work properly and had to leave his job Now he doesn't have any health insurance policy When he tries to buy a health insurance policy for himself"
X Link @NIKHILLJHA 2025-10-10T08:59Z 47.5K followers, 18.8K engagements

"🚨ICICI Health Shield 360-The lollipop of cheap premiums In an unbiased way We are calling out policies where retail policyholders get stuck We don't have any agenda.the idea is to protect retail investors One of the most mis-sold policies in the market is for ICICI Bank account holders ICICI Health Shield XXX Customers are swayed into this policy due to the cheap premiums For a 30-year-old Where are retail policy costs Rs 14-16000 ICICI Health Shield costs about Rs 8-10000 So why is ICICI Health Shield XXX so cheap ICICI Health Shield XXX is a group health insurance policy X. Provides no"
X Link @NIKHILLJHA 2025-10-15T03:07Z 47.5K followers, 14.3K engagements

"Successful Claim stories-Reimbursement claim One of our customers Went to a non-network hospital for their childs treatment The reimbursement claim was filed with ICICI Lombard. While the claim was small Our team kept a close track of it Thankfully in XX days the entire claim was approved without any deductions. ICICI Lombard worked fantastically well to help us in claim support The customer was really really happy Our claims team does a wonderful job Now onto the next claim🫡🫡"
X Link @NIKHILLJHA 2025-09-17T12:38Z 47.5K followers, 17.8K engagements

"Here is an in-depth dive on restoration benefits 👇"
X Link @NIKHILLJHA 2025-10-14T02:41Z 47.5K followers, XXX engagements

"I have said XXX times dont buy group health insurance policies Here is a customer who bought ICICI Lombard Health Shield XXX from ICICI Bank He was shown the lollipop of cheap premium Within X years The premium was jacked up 12x. In group policies Premiums can be jacked up crazily and they can be terminated without any notice"
X Link @NIKHILLJHA 2025-10-16T11:20Z 47.5K followers, 32.1K engagements

"The treatment for these illnesses can cost anywhere b/w 5L to 50L For eg For the treatment of cancer Immunotherapy costs anywhere b/w 30-50L Chemotherapy costs anywhere b/w 20-50L The treatment of these illnesses also may cause permanent loff of employment as well"
X Link @NIKHILLJHA 2025-10-13T02:40Z 47.5K followers, 1551 engagements

"Mr X's famil paid the entire bill and the buy was discharged. Over the subsequent months The father approached the insurer time and again to claim back the money So the insurer rejected the following claims X. Cashless claims X. Reimbursement claim X. Grievience X X. Grievance X Mr X had no option left"
X Link @NIKHILLJHA 2025-10-11T03:24Z 47.5K followers, 2777 engagements

"How do telecallers pull off a health insurance scam Call u to port policy Port the policy Without disclosing medical condition Commission earned by telecaller Insurer will reject the claim and terminate the policy Scam XXX and IRDAI must crack down on this"
X Link @NIKHILLJHA 2025-10-16T16:08Z 47.5K followers, 6261 engagements

"Just talked to a follower He has XX LIC policies and has no idea what even X policy is for I asked him Why did u buy these policies He said:- My father bought these policies with the lure of guaranteed returns My relatives sold these policies and once they sold these policies they were never to be seen again Most of these agents dont understand the policy terms themselves He has approached us for advice on what to do with these policies We are evaluating all of these policies closely and trying to make these policies paid up or surrender them But this case underlines a larger systemic issue:-"
X Link @NIKHILLJHA 2025-10-11T04:35Z 47.5K followers, 42.5K engagements

"🚨Health Insurance and Cancer Cancer is one of the most toxic illnesses Treatment costs range from 50L to 1cr today🤯🤯 Do u have an adequate sum insured to treat cancer🤔🤔 Do already recovered cancer patients get a health insurance policy A thread🧵on which insurance plan covers cancer and do cancer patients get a new health insurance policy👇"
X Link @NIKHILLJHA 2025-10-14T02:41Z 47.5K followers, 7405 engagements

"For Eg Mr X bought critical illness insurance for 50L.(which covers diagnosis of cancer) Some years down the line Mr X is diagnosed with cancer. The insurance company will pay a lump sum of 50L to the insurance company for the cancer cover"
X Link @NIKHILLJHA 2025-10-13T02:40Z 47.5K followers, 1288 engagements

"@bhagyarajdake no"
X Link @NIKHILLJHA 2025-10-13T11:04Z 47.5K followers, XXX engagements

"🚨Group health insurance will still attract XX% GST Here is a list of popular group policies:- X. Policies offered by your employer X. Policies sold by banks X. ICICI Lombard health shield XXX X. CA group policy from New India Assurance X. Jain community policies from Star Health X. Group policies sold by fintech startups All these policies have the following drawback X. Will still attract XX% GST X. Can be terminated at will by the insurer X. Can see steep premium hikes even without a claim Be very careful and DO NOT BUY these policies Personal health insurance is the only product to buy"
X Link @NIKHILLJHA 2025-10-01T06:54Z 47.5K followers, 36.5K engagements

"Cost of treatment of cancer:- A cancer surrgey can cost from X lakhs to XX lakhs depending upon the type and area of surgery Chemotherapy can cost upto 30000 to Rs 50000/session Immunotherapy can cost upto 2-3 Lakhs/Session Cancer can cost a fortune to treat"
X Link @NIKHILLJHA 2025-10-14T02:41Z 47.5K followers, XXX engagements

"ICICI Lombard has just massively upped its game in health insurance X. Base health insurance ICICI Lombard Elevate is one of the top products X. Super top-up in Activate booster is yet another top product with no sublimits X. Critical Illness policy in Critishield is also a comprehensive product in critical illness insurance Customer experience in claims has also been very good for us. P.S We never do a paid tweet just appreciation for good work"
X Link @NIKHILLJHA 2025-09-25T10:09Z 47.5K followers, 52.8K engagements

"Have insurers passed on the entire GST benefit to customers ICICI Lombard Elevate for a family of X for X years Sum Insured=25L Total Amount with GST - 132478 Total Amount Without GST - 112270 Difference amount - 20200 Entire XX% passed onto the consumer. No insurer has taken any premium hike"
X Link @NIKHILLJHA 2025-09-23T05:11Z 47.5K followers, 55K engagements

"@agrawalsahib @Universal_Sompo group policy hoga"
X Link @NIKHILLJHA 2025-10-16T11:25Z 47.5K followers, XXX engagements

"A section of policyholders seems to be spreading misinformation:- If you buy HDFC Ergo Optima Secure with a deductible You will not get a cashless claim. This is grossly incorrect and spreads misinformation. A policy with a deductible works the same as a policy which didn't have a deductible. You are eligible to take a cashless claim at all Netrok hospitals. During the settlement of the final bill The insurer will deduct the deductible amount and settle the bill So for eg ur final bill is 3L and you have a deductible of Rs 25000 Provided there is no other deduction Insurer will pay 2.75L and"
X Link @NIKHILLJHA 2025-10-10T09:56Z 47.5K followers, 10.3K engagements

"How does unlimited restoration help you in cancer Sum insured=10L Cancer surgery cost 7L Unlimited Restoration with no caps=Available in the policy. Once the 7L surgery is done in this policy. The restoration benefit will kick in and sum insured will kick in back. Now for multiple chemotherapies the Sum insured of 10L will kick in. The frequency of this chemo can be 30-90 days depending on severity. Therefore restoration benefit must be triggered no questions asked"
X Link @NIKHILLJHA 2025-10-14T02:41Z 47.5K followers, XXX engagements

"Health insurance vs Critical illness Health insurance covers all types of illnesses and pays only ur hospital bill. Critical illnesses cover only specific illnesses and give you lumpsum payouts as defined in our policy. Critical illness payouts can be used to as per ur own needs Whereas Health insurance can only be used to pay ur hospital bills"
X Link @NIKHILLJHA 2025-10-13T02:40Z 47.5K followers, 1399 engagements

"🚨Mega Health Insurance Comparison Series HDFC Ergo Optima Secure Vs ICICI Lombard Elevate Vs Niva Bupa Reassure XXX All three top products come with unique features 🩺Optima Secure comes with 2x cover from day X 🩺Elevate comes with XXX% bonus each year 🩺Reassure XXX comes with unlimited sum insured Here is a comparison of all three policies👇"
X Link @NIKHILLJHA 2025-09-10T03:11Z 47.5K followers, 137.4K engagements

"How premium increase in health insurance if u have a disease For ICICI Lombard elevate For XX year old living in Mumbai For 10L sum insured(without any diseases) Premium=35154/- For 10L sum insured(With any disease like AsthmaBlood pressure Diabetes and cholesterol) Premium=45687/- Premium increases straight by XX% even if u have one of the above illnesses The increased premium has to be paid for the rest of ur life Buy health insurance young and early when you dont have any diseases"
X Link @NIKHILLJHA 2025-10-14T08:57Z 47.5K followers, 25.2K engagements

"So how does health insurance help in the treatment of cancer Most health insurance policies cover deadly diseases like cancer up to sum insured. Restoration benefit is one of the most useful benefits while treating cancer Unlimited restoration with no cap on same person and the same illness is very very important in the treatment of cancer"
X Link @NIKHILLJHA 2025-10-14T02:41Z 47.5K followers, XXX engagements