[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.]

# ![@NIKHILLJHA Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1607748339852017669.png) @NIKHILLJHA Nikhil Jha

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

### Engagements: XXXXX [#](/creator/twitter::1607748339852017669/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1607748339852017669/c:line/m:interactions.svg)

- X Week XXXXXXX -XXXX%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXXX +3.20%

### Mentions: XX [#](/creator/twitter::1607748339852017669/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1607748339852017669/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XXX -XXXX%
- X Months XXX +0.54%
- X Year XXXXX +29%

### Followers: XXXXXX [#](/creator/twitter::1607748339852017669/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1607748339852017669/c:line/m:followers.svg)

- X Week XXXXXX +0.72%
- X Month XXXXXX +1.20%
- X Months XXXXXX +17%
- X Year XXXXXX +53%

### CreatorRank: XXXXXXX [#](/creator/twitter::1607748339852017669/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1607748339852017669/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  XXXX% [stocks](/list/stocks)  XXXX% [countries](/list/countries)  XXXX%

**Social topic influence**
[health](/topic/health) #3416, [insurance](/topic/insurance) #266, [elevate](/topic/elevate) #414, [mega](/topic/mega) #2820, [products](/topic/products) #3520, [life insurance](/topic/life-insurance) #103, [what is](/topic/what-is) 4.17%, [bank](/topic/bank) 2.08%, [surge](/topic/surge) 2.08%, [topics](/topic/topics) XXXX%

**Top accounts mentioned or mentioned by**
[@kapsology](/creator/undefined) [@psychological4u](/creator/undefined) [@irdaindia](/creator/undefined) [@nivabupa](/creator/undefined) [@saringaurav](/creator/undefined) [@icicilombard](/creator/undefined) [@anilkum86347215](/creator/undefined) [@fingerincrimson](/creator/undefined) [@hunk77](/creator/undefined) [@gargvivek1](/creator/undefined) [@rahulsatija1984](/creator/undefined) [@pschouhan127](/creator/undefined) [@sampathyerroju](/creator/undefined) [@jillsdaniel](/creator/undefined) [@rara_swamirara](/creator/undefined) [@mirudox](/creator/undefined) [@localmumbaikar](/creator/undefined) [@starinsurance](/creator/undefined) [@finminindia](/creator/undefined) [@moneylifeindia](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last XX hours

"Policy taken for 50k X months back Today accidental claim comes of 3.5lkhs not a single penny deducted Health insurance sahi hai He had taken policy in the month of feb for 50k Surgery for a accident happend got final approval in X hour and full amount settled . this is what we do in insurance . We are not here to sell policy we are here to protect your financial and mental peace at needy times "  
[X Link](https://x.com/NIKHILLJHA/status/1998343140189860027)  2025-12-09T10:45Z 49.4K followers, 24.2K engagements


"Ask Me Anything(AMA) on health and life insurance for the next XX mins Ask here👇"  
[X Link](https://x.com/NIKHILLJHA/status/1999096926797791349)  2025-12-11T12:40Z 49.4K followers, 9999 engagements


"🚨Health Insurance Mega Comparison ICICI Lombard Elevate Vs HDFC Ergo Optima Secure Vs Niva Bupa Aspire All three policies come with unique features 🩺Elevate comes with an unlimited bonus each year 🩺Optima Secure comes with 2x cover from day X 🩺Aspire comes with Maternity cover Automatic cover for baby and Premium Lock Here is the detailed comparison of the policies👇"  
[X Link](https://x.com/NIKHILLJHA/status/1989134193209799066)  2025-11-14T00:52Z 49.4K followers, 38.9K engagements


"4. Necesitty of hospitalization is a vague clause that insurers use to reject claims. Be very careful about this clause. Be very careful about this clause"  
[X Link](https://x.com/NIKHILLJHA/status/1994957237236936736)  2025-11-30T02:30Z 49.4K followers, 1759 engagements


"Keep following me -@NIKHILLJHA as I write daily to make you aware around: 📈Health Insurance 📈Life Insurance Go to my profile and hit the bell icon🔔to always stay updated"  
[X Link](https://x.com/NIKHILLJHA/status/1994957240911237260)  2025-11-30T02:30Z 49.4K followers, 1691 engagements


"❌❌❌Say NO to Bank-Based group policies One of our followers was lured to buy ICICI Health Shield XXX by ICICI Bank The premium he paid:- 2023: 10896 SI XX Lakh 2024: 32000 SI XX Lakh 2025: 96000 SI XX Lakh 9x rise in X years🤯🤯 The lollipop of cheap premiums in a bank-based group policy vanishes as soon as the insurer sees a claim surge"  
[X Link](https://x.com/NIKHILLJHA/status/1996158230347813119)  2025-12-03T10:03Z 49.4K followers, 22.6K 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](https://x.com/NIKHILLJHA/status/1789550271221174303)  2024-05-12T06:56Z 49.4K followers, 511.4K engagements


"Sum Insured=25L Claim amount-4L Insurer rejected the claim stating excessive drinking is the cause of liver damage Can your health insurer reject you claim due to smoking & drinking(even if u declare it) A thread🧵on claims due to smoking and drinking in health insurance👇"  
[X Link](https://x.com/NIKHILLJHA/status/1996782896385085445)  2025-12-05T03:25Z 49.4K followers, 15.8K engagements


"🚨Health Insurance Claims Stories Sum Insured=50L Claim amount=50000(Covid claim) The insurer rejected the claim stating:- "no need for any hospitalisation"🥲🥲 Consumer court slammed the insurer "The insurer cannot decide the course of treatment." The court also fined the insurer and asked to pay the full amount But why is this is a landmark judgment Let's find out in this significant claims stories 👇"  
[X Link](https://x.com/NIKHILLJHA/status/1997156213587660875)  2025-12-06T04:08Z 49.4K followers, 6449 engagements


"What is the coverage amount u are having in health and term insurance 1) Mine is 1.25cr in health insurance including no claim bonus (no topup only base) 2) term around 5Cr ( plain vanilla term ) What is your comment down below will advise is it good or not"  
[X Link](https://x.com/NIKHILLJHA/status/1997514583633002955)  2025-12-07T03:52Z 49.4K followers, 33.8K engagements


"@AnilKum86347215 Health Hdfc optima secure Niva reassure 2.0/3.0 Icici elevate Term Hdfc Icici Max"  
[X Link](https://x.com/NIKHILLJHA/status/1997523983269527562)  2025-12-07T04:30Z 49.4K followers, XXX engagements


"🚨Checklist for health insurance porting Ported a 10-year-old policy X years after porting The new insurer rejects the claim and cancels the policy🤯🤯 This can easily happen to you Here is a checklist to follow when u port the health insurance policy👇"  
[X Link](https://x.com/NIKHILLJHA/status/1998228989371150517)  2025-12-09T03:11Z 49.4K followers, 8006 engagements


"@fingerincrimson Niva bupa"  
[X Link](https://x.com/NIKHILLJHA/status/1998382298736259558)  2025-12-09T13:20Z 49.4K followers, XXX engagements


"Fact:- A term plan is the only life insurance you need All other life insurance products are designed to make the insurer and the agent rich"  
[X Link](https://x.com/NIKHILLJHA/status/1998647228081316102)  2025-12-10T06:53Z 49.4K followers, 5723 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](https://x.com/NIKHILLJHA/status/1965614088995963272)  2025-09-10T03:11Z 49.4K followers, 140.6K engagements


"🚨Comparison Tool- A brilliant tool to compare health insurance policies On our website We now have a comparison tool It helps u compare up to X health insurance policies From 🏦Room rent limit to 🏦Consumables to 🏦Bonus to 🏦Hospital Network You can compare everything It's particularly helpful for anyone wanting to compare health insurance policies (Link in the comments section)"  
[X Link](https://x.com/NIKHILLJHA/status/1996920750448722262)  2025-12-05T12:33Z 49.4K followers, 5226 engagements


"🚨Ayushman Bharat-Healthcare for all The government of India has now approved Ayushman Bharat for all Senior Citizens above XX years 🩺What is Ayushman Bharat 🩺Who is eligible for the scheme 🩺How can u be empaneled in this scheme 🩺What is Ayushman Bharat Here is a detailed analysis of the Ayushman Bharat scheme👇"  
[X Link](https://x.com/NIKHILLJHA/status/1997854462090821644)  2025-12-08T02:23Z 49.4K followers, 26K engagements


"Repeating again:- Term plan is not meant to get a guaranteed payout The term plan is meant to replace the income of earning member in case of death Term plan should expire as soon as u retire"  
[X Link](https://x.com/NIKHILLJHA/status/1998331896585945340)  2025-12-09T10:00Z 49.4K followers, 7120 engagements


"🚨Mega Health Insurance Policy Comparison Policies of the future New-age policies with unlimited bonuses have not hit the market ICICI Lomabard Elevate Vs Star Super Star Vs Ultimate Care All three policies come with some unique features 🩺Elevate has an unlimited bonus and unlimited claims once 🩺Superstar has unlimited bonus and unlimited claims once 🩺Ultimate care has unlimited bonus and return of premium in case of X claim-free years Here is a detailed comparison of all of these products👇"  
[X Link](https://x.com/NIKHILLJHA/status/1998592984095535462)  2025-12-10T03:17Z 49.4K followers, 5901 engagements


"LIC drops plan to enter health insurance Health insurance is a really tough business"  
[X Link](https://x.com/NIKHILLJHA/status/1998730349061308773)  2025-12-10T12:23Z 49.4K followers, 5143 engagements


"@suren_investing better than no policy"  
[X Link](https://x.com/NIKHILLJHA/status/1999051827757879702)  2025-12-11T09:41Z 49.4K followers, XXX engagements


"@gargvivek1 Depends on age and diseases but HDFC Ergo Optima Secure Niva Bupa Reassure 3.0/aspire ICICI Elevate Tata AIG medicare premiere/select Bajaj Health gaurd All of them must be bought with an agent If u don't have an agent please DM me"  
[X Link](https://x.com/NIKHILLJHA/status/1999100456904335692)  2025-12-11T12:54Z 49.4K followers, XXX engagements


"🚨Super top up Analyser episode 5-Care Supreme Enhance(Plan 2) Super tops are marketed as cheap products to enhance the sum insured. However many super tops have many hidden limits In this series we break down super top-up from various companies Lets breakdown the super top-up from Care Health Insurance 🩺Room rent limit-Most Economical Single Private A/C room 🩺Bonus-10% of the SI each year max upto XXX% 🩺Sum insured=45L to 85L 🩺Deductible-5L-15L 🩺Co-pay-No co-pay 🩺Age-18yrs-90years 🩺Sublimits on Modern Treatments- No sublimit applicable 🩺Pre/Post hospitalisation-60days/90days"  
[X Link](https://x.com/NIKHILLJHA/status/1999430204297740555)  2025-12-12T10:44Z 49.4K followers, 7074 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](https://x.com/NIKHILLJHA/status/1997493441266397328)  2025-12-07T02:28Z 49.4K followers, 91.2K engagements


"🚨Health insurance coverage expansion Niva Bupa makes several changes to offer policies to patients with critical illnesses People with the following diseases can get a policy with permanent exclusion 🩺Cancer 🩺Brain Tumour 🩺Ankolying Spondylisis 🩺PAcemaker 🩺Bipolar disorder 🩺Heart valve replacement 🩺Chronic Kidney disease and many more Finally acceptability will be subject to medical underwriting. This is a significant move in the direction of giving policies to people with all medical conditions Here is a list of acceptable diseases with Permanent exclusion or co-pay or both"  
[X Link](https://x.com/NIKHILLJHA/status/1999031336695377971)  2025-12-11T08:19Z 49.4K followers, 19.1K engagements


"@Rahulsatija1984 Depends on age and diseases but HDFC Ergo Optima Secure Niva Bupa Reassure 3.0/aspire ICICI Elevate Tata AIG medicare premiere/select Bajaj Health gaurd All of them must be bought with an agent If u don't have an agent please DM me"  
[X Link](https://x.com/NIKHILLJHA/status/1999098147843526874)  2025-12-11T12:45Z 49.4K followers, XXX engagements


"@pschouhan127 why better are available"  
[X Link](https://x.com/NIKHILLJHA/status/1999101743393886415)  2025-12-11T12:59Z 49.4K followers, XXX engagements


"What 12+ years into insurance industry taught me about indian families perspective towards health insurance 1) most family buy insurance after a medical emergency 2) Everyone wants cheapest premium policy but want XXX% claim and best services 3) Indian parents mostly above XX always in a casual approach humko kya hi hoga (in my family also) 4) Health insurance is treated as expenses and not as peace of mind and safety protection from unwanted incident 5) one illness and year of savings wiped out in couple of days 6) Documentation feels boring untill it decides ur claim 7) The biggest regret i"  
[X Link](https://x.com/NIKHILLJHA/status/1999662872167874907)  2025-12-13T02:09Z 49.4K followers, 13.7K engagements