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[@NIKHILLJHA](/creator/twitter/NIKHILLJHA)
"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](https://x.com/NIKHILLJHA/status/1979050612214935876) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-17T05:03Z 47.5K followers, 23.6K 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](https://x.com/NIKHILLJHA/status/1968160012984897862) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-09-17T03:48Z 47.5K followers, 23.5K engagements


"Fact:- Term insurance till retirement(6065)Term insurance till 80-85"  
[X Link](https://x.com/NIKHILLJHA/status/1975128081800310969) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-06T09:16Z 47.5K followers, 55.6K engagements


"@subrata_minu @AdityaD_Shah ok"  
[X Link](https://x.com/NIKHILLJHA/status/1978315451429011939) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-15T04:22Z 47.5K followers, XXX 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](https://x.com/NIKHILLJHA/status/1978728219256799414) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-16T07:42Z 47.5K followers, 23.8K 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](https://x.com/NIKHILLJHA/status/1978783088978137186) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-16T11:20Z 47.5K followers, 33.7K engagements


"A follower bought a health insurance policy from a Bank The relationship manager said I will service you and help u with claims.(completely incorrect statement) Some days ago The follower's father suffered a massive heart attack His claim was rejected by the insurance company When he went to the bank The relationship manager had left the bank and the bank in no way helped him with claims. He had to foot the entire bill himself. Even his reimbursement claim was rejected by the insurer We are helping the customer go to the grievance cell of the insurer and finally to the health insurance"  
[X Link](https://x.com/NIKHILLJHA/status/1979398557716140298) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-18T04:06Z 47.5K followers, 18.6K 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](https://x.com/NIKHILLJHA/status/1968293361107783792) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-09-17T12:38Z 47.5K followers, 17.8K 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](https://x.com/NIKHILLJHA/status/1968875486110482460) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-09-19T03:11Z 47.5K followers, 86.2K engagements


"Why do Life insurance agents not sell term plan Premium for term plan(yearly basis)=Rs 20000 Premoim for whole life policies/ULIP-50000-100000 If companies offer XX% commission to agents Commission on term plan=Rs 3000 Commission on Whole Life/ULIP policies=Rs 7500-15000 If whole life/ULIP offers higher commissions Why would any agent care about the customer and sell a term plan There is a real need for agents who dont just run after commissions and sell products that are really beneficial to customers like the term plan"  
[X Link](https://x.com/NIKHILLJHA/status/1968895046561739127) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-09-19T04:28Z 47.5K followers, 29.5K 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](https://x.com/NIKHILLJHA/status/1970355274931146762) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-09-23T05:11Z 47.5K followers, 55.1K 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](https://x.com/NIKHILLJHA/status/1971155154956103815) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-09-25T10:09Z 47.5K followers, 52.8K 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](https://x.com/NIKHILLJHA/status/1973280263825162303) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-01T06:54Z 47.5K followers, 36.5K engagements


"🚨What are the top insurance policies with unique features🤔🤔 A list of top comprehensive policies with unique features👇"  
[X Link](https://x.com/NIKHILLJHA/status/1975401863626264978) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-07T03:24Z 47.5K followers, 28.4K 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](https://x.com/NIKHILLJHA/status/1976480666767306757) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-10T02:51Z 47.5K followers, 13K 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](https://x.com/NIKHILLJHA/status/1976573389771886781) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-10T08:59Z 47.5K followers, 18.8K 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](https://x.com/NIKHILLJHA/status/1977565026522165750) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-13T02:40Z 47.5K followers, 1408 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](https://x.com/NIKHILLJHA/status/1977565032931262592) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-13T02:40Z 47.5K followers, 1315 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](https://x.com/NIKHILLJHA/status/1977565041391194428) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-13T02:40Z 47.5K followers, 1188 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](https://x.com/NIKHILLJHA/status/1977583950391652733) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-13T03:55Z 47.5K followers, 6606 engagements


"Here is an in-depth dive on restoration benefits 👇"  
[X Link](https://x.com/NIKHILLJHA/status/1977927788855496746) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-14T02:41Z 47.5K followers, XXX 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](https://x.com/NIKHILLJHA/status/1978057725943726332) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-14T11:18Z 47.5K followers, 6782 engagements


"@Pankajem then no problem"  
[X Link](https://x.com/NIKHILLJHA/status/1978743057022370244) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-16T08:41Z 47.5K followers, 1019 engagements


"@AshokVe89706095 @Pankajem not knowing is okay but if u had reports and didnt disclose then it is an issue"  
[X Link](https://x.com/NIKHILLJHA/status/1978757077141954632) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-16T09:37Z 47.5K followers, XXX engagements


"@agrawalsahib @Universal_Sompo group policy hoga"  
[X Link](https://x.com/NIKHILLJHA/status/1978784255141396547) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-16T11:25Z 47.5K followers, XXX engagements


"@agrawalsahib @Universal_Sompo can u share the renewal notice"  
[X Link](https://x.com/NIKHILLJHA/status/1978795758133367054) [@NIKHILLJHA](/creator/x/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](https://x.com/NIKHILLJHA/status/1979046997844693010) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-17T04:49Z 47.5K followers, XX engagements


"Who is the worst health insurer"  
[X Link](https://x.com/NIKHILLJHA/status/1974796298814644294) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-05T11:18Z 47.5K followers, 41.6K engagements


"@VikingRagnarL @TataAIA_Life What is the problem"  
[X Link](https://x.com/NIKHILLJHA/status/1976635316963623306) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-10T13:05Z 47.5K followers, XXX 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](https://x.com/NIKHILLJHA/status/1977927752465703328) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-14T02:41Z 47.5K followers, 7469 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](https://x.com/NIKHILLJHA/status/1977927794467524816) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-14T02:41Z 47.5K followers, XXX engagements


"@jayantgourkar @StarHealthIns @BeshakIN very common in reimbursement claims Delay is a given"  
[X Link](https://x.com/NIKHILLJHA/status/1977988300456517696) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-14T06:42Z 47.5K followers, XX 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](https://x.com/NIKHILLJHA/status/1978022354102993164) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-14T08:57Z 47.5K followers, 25.3K 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) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2024-05-12T06:56Z 47.5K followers, 469.8K 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) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-09-10T03:11Z 47.5K followers, 137.6K 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](https://x.com/NIKHILLJHA/status/1976869316625563989) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-11T04:35Z 47.5K followers, 42.5K 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](https://x.com/NIKHILLJHA/status/1977222106623434770) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-12T03:57Z 47.5K followers, 38.7K 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](https://x.com/NIKHILLJHA/status/1977564989914268115) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-13T02:40Z 47.5K followers, 18.8K 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](https://x.com/NIKHILLJHA/status/1977565047246540831) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-13T02:40Z 47.5K followers, 2201 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](https://x.com/NIKHILLJHA/status/1978296564826169795) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-15T03:07Z 47.5K followers, 14.5K 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](https://x.com/NIKHILLJHA/status/1978390598760501319) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-15T09:20Z 47.5K followers, 25.1K 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](https://x.com/NIKHILLJHA/status/1978678037458600273) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-16T04:23Z 47.5K followers, 6005 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](https://x.com/NIKHILLJHA/status/1978855553590829529) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-16T16:08Z 47.5K followers, 6804 engagements


"We just issued a term plan with a massive XXX% loading(premium increase) Premium rose from Rs 50000 to Rs 100000 The customer accepted it and paid the extra loading Why was the premium hike so much The customer works in the Merchant Navy and handles dangerous goods Due to the hazardous nature of work the insurance company increased the premium. The customer asked What if I dont disclose the nature of my work If you dont disclose the nature of work You will get the policy without any loading However at the time of a claim(which is death in a term plan) The insurance company will investigate"  
[X Link](https://x.com/NIKHILLJHA/status/1979125817213923807) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-17T10:02Z 47.5K followers, 23.4K engagements


"@rolen_dsouza @Niva_Bupa Pls share rejection letter"  
[X Link](https://x.com/NIKHILLJHA/status/1978757845924327779) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-16T09:40Z 47.5K followers, XX engagements


"Some months ago A US-based NRI approached for a health insurance policy He wanted the smooth execution of the policy After investigation we suggested to him ICICI Lomard Elevate After undergoing the requisite procedure for issuance of the policy His policy was issued with a sum insured of 25L for X years The customer was very happy that we explained everything in detail and hand held him during the policy issuance phase. He sent a letter all the way from the United States to thank us for helping him through this phase. We told him The relationship has just started The main test of this"  
[X Link](https://x.com/NIKHILLJHA/status/1979483097600086374) [@NIKHILLJHA](/creator/x/NIKHILLJHA) 2025-10-18T09:42Z 47.5K followers, 15.1K engagements