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[@BeshakIN](/creator/twitter/BeshakIN)
"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


"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, 10.4K engagements


"🚨 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, 9802 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, 1337 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, 1502 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, 1265 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


"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


"🚨 Can a few inches or kilos decide whether your claim gets paid For Jiwan Dass it did. He was hospitalised for pneumonia. But when he filed a claim the insurer denied it - citing incorrect height and weight. Find out what happened next in #ClaimStories S01E99 👇"  
[X Link](https://x.com/BeshakIN/status/1981728400403538373) [@BeshakIN](/creator/x/BeshakIN) 2025-10-24T14:24Z 24.4K followers, 2852 engagements


"In 2021 55-year-old Jiwan Dass from Mansa Punjab bought a health insurance policy with X Lakh sum insured through an agent. He renewed it again the next year - same plan same insurer. Everything seemed perfectly fine"  
[X Link](https://x.com/BeshakIN/status/1981728412629959156) [@BeshakIN](/creator/x/BeshakIN) 2025-10-24T14:24Z 24.4K followers, XXX engagements


"But in March 2022 Jiwan suddenly fell ill. He developed fever breathlessness and was admitted to Fortis Hospital Ludhiana where he stayed for over a week. Diagnosis: Acute Bilateral Pneumonia LRTI Type II Respiratory Failure Hypothyroidism and Diabetes Mellitus"  
[X Link](https://x.com/BeshakIN/status/1981728424491356288) [@BeshakIN](/creator/x/BeshakIN) 2025-10-24T14:24Z 24.4K followers, XXX engagements


"The total hospital bill came to 236497. Add another 20000 for pre- and post-hospitalisation and 35000 for extra lab tests. Total claim = XXXX lakh"  
[X Link](https://x.com/BeshakIN/status/1981728436361331052) [@BeshakIN](/creator/x/BeshakIN) 2025-10-24T14:24Z 24.4K followers, XXX engagements


""The right advice can turn a frustrating experience into a stress-free one." When it comes to health insurance the right expert truly makes all the difference. 💡 At Beshak our advisors dont just sell policies they listen guide and help you make confident stress-free insurance decisions. ✨ Connect with Indias Top X% Insurance Experts today Tap the link below👇🔗"  
[X Link](https://x.com/BeshakIN/status/1981948859199959388) [@BeshakIN](/creator/x/BeshakIN) 2025-10-25T05:00Z 24.4K followers, XXX engagements