[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @BeshakIN Beshak.org Insurance 🧐 Beshak.org Insurance 🧐 posts on X about insurance, health insurance, instead of, consent the most. They currently have XXXXXX followers and 1807 posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1281287883773505536/interactions)  - X Week XXXXXX +370% - X Month XXXXXXX +87% - X Months XXXXXXXXX -XX% - X Year XXXXXXXXX +366% ### Mentions: XX [#](/creator/twitter::1281287883773505536/posts_active)  - X Week XX -XX% - X Month XXX -XXXX% - X Months XXX +0.30% - X Year XXXXX +229% ### Followers: XXXXXX [#](/creator/twitter::1281287883773505536/followers)  - X Week XXXXXX +0.05% - X Month XXXXXX +2% - X Months XXXXXX +7.20% - X Year XXXXXX +64% ### CreatorRank: XXXXXXX [#](/creator/twitter::1281287883773505536/influencer_rank)  ### Social Influence [#](/creator/twitter::1281287883773505536/influence) --- **Social category influence** [finance](/list/finance) **Social topic influence** [insurance](/topic/insurance) #350, [health insurance](/topic/health-insurance) #98, [instead of](/topic/instead-of), [consent](/topic/consent), [loading](/topic/loading), [summary](/topic/summary) ### Top Social Posts [#](/creator/twitter::1281287883773505536/posts) --- Top posts by engagements in the last XX hours "🚨 Big win for consumers We recently flagged a hidden Material Change Clause in several health insurance plans - including ICICI Lombards Elevate and Health AdvantEdge. Now ICICI Lombard has officially issued a clarification. Heres whats they said 👇 #sneakyprint #healthinsurance #awareness #tips #transparency" [X Link](https://x.com/BeshakIN/status/1980839086291382542) [@BeshakIN](/creator/x/BeshakIN) 2025-10-22T03:30Z 24.4K followers, 9682 engagements "They also clarified that the clause works alongside their renewal terms - and that no fresh underwriting or medicals are needed at renewal unless: You increase your sum insured Add new members or Opt for optional covers" [X Link](https://x.com/BeshakIN/status/1980839134257377622) [@BeshakIN](/creator/x/BeshakIN) 2025-10-22T03:30Z 24.4K followers, 1252 engagements "Under IRDAIs 2019 Guidelines insurers are now allowed to offer you a policy with a permanent exclusion instead of rejecting you outright. So you still get a policy - just that the insurer wont cover that specific condition. But this can only be done under certain T&Cs. 👇" [X Link](https://x.com/BeshakIN/status/1980491794619211869) [@BeshakIN](/creator/x/BeshakIN) 2025-10-21T04:30Z 24.4K followers, XXX engagements "Heres how it works: ✅ The disease must already exist at the time of underwriting ✅ Insurer must first try to offer cover with loading ✅ If that still isnt possible only then can they exclude it permanently ✅ And they can do it only with your consent" [X Link](https://x.com/BeshakIN/status/1980491806719746222) [@BeshakIN](/creator/x/BeshakIN) 2025-10-21T04:30Z 24.4K followers, XXX engagements "Hi thanks for tagging us. Sorry to hear about the delay. As per IRDAIs guidelines insurers must settle or reject a claim within XX days of receiving all necessary documents. Any delay beyond that attracts interest from the date of receipt of claim intimation till the date of payment of claim at a rate of X% above the bank rate. You can escalate the matter to the insurers Grievance Redressal Officer (GRO). If unresolved you can take it up with IRDAI through the Bima Bharosa Portal and further with the Insurance Ombudsman. Heres a detailed guide on all escalation steps:" [X Link](https://x.com/BeshakIN/status/1980548646300242367) [@BeshakIN](/creator/x/BeshakIN) 2025-10-21T08:16Z 24.4K followers, XX engagements "Hi thanks for tagging us and sharing your experience. We completely understand how frustrating this must be especially after paying such a high premium and still facing so many delays and errors. You can escalate this issue to Niva Bupas Grievance Redressal Officer (GRO) - theyre required to respond within XX days as per IRDAI guidelines. If it still remains unresolved you can take it up with IRDAI (through the Bima Bharosa portal) and later with the Insurance Ombudsman. Heres a step-by-step guide to help you escalate it properly:" [X Link](https://x.com/BeshakIN/status/1980866615873835395) [@BeshakIN](/creator/x/BeshakIN) 2025-10-22T05:19Z 24.4K followers, XX engagements "A man lost his life in a road accident. The vehicle owner had valid insurance. But here's the twist: He was still forced to pay XXXX lakhs in compensation 😱 The case went to High Court and what they uncovered is a mistake XX% of Indian vehicle owners are making right now. Catch the #Rerun of our famous #ClaimStories to see how it ended and learn from real-life cases so you dont face the same nightmare" [X Link](https://x.com/BeshakIN/status/1980641239935709459) [@BeshakIN](/creator/x/BeshakIN) 2025-10-21T14:24Z 24.4K followers, 10.3K engagements "We highlighted this clause in our #BeshakSneakyPrint series explaining how it could leave room for interpretation - and why it deserved clarification" [X Link](https://x.com/BeshakIN/status/1980839110517616890) [@BeshakIN](/creator/x/BeshakIN) 2025-10-22T03:30Z 24.4K followers, 1322 engagements "ICICI Lombard has now issued an official statement clarifying their stand. Heres what theyve said 👇 ✅ The clause will not be used to increase premiums or change coverage if a new disease develops after policy issuance. ✅ It exists only to reward positive health changes (for example removing loadings or offering wellness benefits). ✅ No claim has ever been rejected due to this clause. ✅ Theyre fully compliant with IRDAI regulations" [X Link](https://x.com/BeshakIN/status/1980839122454605989) [@BeshakIN](/creator/x/BeshakIN) 2025-10-22T03:30Z 24.4K followers, 1483 engagements "Finally his doctor told him: Bariatric surgery isnt about weight anymore. Its the only way left to control your diabetes & BP. So Rajesh went for it. The surgery was done. The bill came to XXX Lakhs" [X Link](https://x.com/BeshakIN/status/1981345023422816705) [@BeshakIN](/creator/x/BeshakIN) 2025-10-23T13:00Z 24.4K followers, XX engagements "Luckily he had a health insurance policy with XX Lakh sum insured. He shared everything: ✅ Discharge summary ✅ Test reports ✅ Doctors notes clearly saying the surgery was medically necessary But a few weeks later" [X Link](https://x.com/BeshakIN/status/1981345035250782510) [@BeshakIN](/creator/x/BeshakIN) 2025-10-23T13:00Z 24.4K followers, XX engagements "❌ The insurer rejected the claim. Their reason Bariatric surgery is a cosmetic procedure. Imagine being told your life-saving surgery is just cosmetic" [X Link](https://x.com/BeshakIN/status/1981345047057748421) [@BeshakIN](/creator/x/BeshakIN) 2025-10-23T13:00Z 24.4K followers, XX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@BeshakIN Beshak.org Insurance 🧐
Beshak.org Insurance 🧐 posts on X about insurance, health insurance, instead of, consent the most. They currently have XXXXXX followers and 1807 posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX +370%
- X Month XXXXXXX +87%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXX +366%
Mentions: XX #
- X Week XX -XX%
- X Month XXX -XXXX%
- X Months XXX +0.30%
- X Year XXXXX +229%
Followers: XXXXXX #
- X Week XXXXXX +0.05%
- X Month XXXXXX +2%
- X Months XXXXXX +7.20%
- X Year XXXXXX +64%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence finance
Social topic influence insurance #350, health insurance #98, instead of, consent, loading, summary
Top Social Posts #
Top posts by engagements in the last XX hours
"🚨 Big win for consumers We recently flagged a hidden Material Change Clause in several health insurance plans - including ICICI Lombards Elevate and Health AdvantEdge. Now ICICI Lombard has officially issued a clarification. Heres whats they said 👇 #sneakyprint #healthinsurance #awareness #tips #transparency"
X Link @BeshakIN 2025-10-22T03:30Z 24.4K followers, 9682 engagements
"They also clarified that the clause works alongside their renewal terms - and that no fresh underwriting or medicals are needed at renewal unless: You increase your sum insured Add new members or Opt for optional covers"
X Link @BeshakIN 2025-10-22T03:30Z 24.4K followers, 1252 engagements
"Under IRDAIs 2019 Guidelines insurers are now allowed to offer you a policy with a permanent exclusion instead of rejecting you outright. So you still get a policy - just that the insurer wont cover that specific condition. But this can only be done under certain T&Cs. 👇"
X Link @BeshakIN 2025-10-21T04:30Z 24.4K followers, XXX engagements
"Heres how it works: ✅ The disease must already exist at the time of underwriting ✅ Insurer must first try to offer cover with loading ✅ If that still isnt possible only then can they exclude it permanently ✅ And they can do it only with your consent"
X Link @BeshakIN 2025-10-21T04:30Z 24.4K followers, XXX engagements
"Hi thanks for tagging us. Sorry to hear about the delay. As per IRDAIs guidelines insurers must settle or reject a claim within XX days of receiving all necessary documents. Any delay beyond that attracts interest from the date of receipt of claim intimation till the date of payment of claim at a rate of X% above the bank rate. You can escalate the matter to the insurers Grievance Redressal Officer (GRO). If unresolved you can take it up with IRDAI through the Bima Bharosa Portal and further with the Insurance Ombudsman. Heres a detailed guide on all escalation steps:"
X Link @BeshakIN 2025-10-21T08:16Z 24.4K followers, XX engagements
"Hi thanks for tagging us and sharing your experience. We completely understand how frustrating this must be especially after paying such a high premium and still facing so many delays and errors. You can escalate this issue to Niva Bupas Grievance Redressal Officer (GRO) - theyre required to respond within XX days as per IRDAI guidelines. If it still remains unresolved you can take it up with IRDAI (through the Bima Bharosa portal) and later with the Insurance Ombudsman. Heres a step-by-step guide to help you escalate it properly:"
X Link @BeshakIN 2025-10-22T05:19Z 24.4K followers, XX engagements
"A man lost his life in a road accident. The vehicle owner had valid insurance. But here's the twist: He was still forced to pay XXXX lakhs in compensation 😱 The case went to High Court and what they uncovered is a mistake XX% of Indian vehicle owners are making right now. Catch the #Rerun of our famous #ClaimStories to see how it ended and learn from real-life cases so you dont face the same nightmare"
X Link @BeshakIN 2025-10-21T14:24Z 24.4K followers, 10.3K engagements
"We highlighted this clause in our #BeshakSneakyPrint series explaining how it could leave room for interpretation - and why it deserved clarification"
X Link @BeshakIN 2025-10-22T03:30Z 24.4K followers, 1322 engagements
"ICICI Lombard has now issued an official statement clarifying their stand. Heres what theyve said 👇 ✅ The clause will not be used to increase premiums or change coverage if a new disease develops after policy issuance. ✅ It exists only to reward positive health changes (for example removing loadings or offering wellness benefits). ✅ No claim has ever been rejected due to this clause. ✅ Theyre fully compliant with IRDAI regulations"
X Link @BeshakIN 2025-10-22T03:30Z 24.4K followers, 1483 engagements
"Finally his doctor told him: Bariatric surgery isnt about weight anymore. Its the only way left to control your diabetes & BP. So Rajesh went for it. The surgery was done. The bill came to XXX Lakhs"
X Link @BeshakIN 2025-10-23T13:00Z 24.4K followers, XX engagements
"Luckily he had a health insurance policy with XX Lakh sum insured. He shared everything: ✅ Discharge summary ✅ Test reports ✅ Doctors notes clearly saying the surgery was medically necessary But a few weeks later"
X Link @BeshakIN 2025-10-23T13:00Z 24.4K followers, XX engagements
"❌ The insurer rejected the claim. Their reason Bariatric surgery is a cosmetic procedure. Imagine being told your life-saving surgery is just cosmetic"
X Link @BeshakIN 2025-10-23T13:00Z 24.4K followers, XX engagements