#  @NIKHILLJHA Nikhil Jha Nikhil Jha posts on X about insurance, health, india, life insurance the most. They currently have [-------] followers and [----] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/twitter::1607748339852017669/interactions)  - [--] Week [-------] -0.24% - [--] Month [---------] +107% - [--] Months [---------] -9.50% - [--] Year [----------] -19% ### Mentions: [--] [#](/creator/twitter::1607748339852017669/posts_active)  - [--] Week [--] -8% - [--] Month [---] +2.70% - [--] Months [---] -9.30% - [--] Year [-----] -10% ### Followers: [-------] [#](/creator/twitter::1607748339852017669/followers)  - [--] Week [------] +0.29% - [--] Month [------] +1.50% - [--] Months [------] +15% - [--] Year [------] +39% ### CreatorRank: [-------] [#](/creator/twitter::1607748339852017669/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) #6262 [countries](/list/countries) [technology brands](/list/technology-brands) [social networks](/list/social-networks) [stocks](/list/stocks) [currencies](/list/currencies) [products](/list/products) [automotive brands](/list/automotive-brands) [celebrities](/list/celebrities) [formula 1](/list/formula-1) **Social topic influence** [insurance](/topic/insurance) #86, [health](/topic/health) #822, [india](/topic/india), [life insurance](/topic/life-insurance), [ergo](/topic/ergo), [money](/topic/money), [inflation](/topic/inflation) #2852, [if you](/topic/if-you), [mega](/topic/mega), [in the](/topic/in-the) **Top accounts mentioned or mentioned by** [@nivabupa](/creator/undefined) [@adityadshah](/creator/undefined) [@careinsurancein](/creator/undefined) [@starhealthins](/creator/undefined) [@beshakin](/creator/undefined) [@hdfcergogic](/creator/undefined) [@joinditto](/creator/undefined) [@jphilips](/creator/undefined) [@livemint](/creator/undefined) [@drprashantmish6](/creator/undefined) [@icicilombard](/creator/undefined) [@imtruesikh](/creator/undefined) [@irdaindia](/creator/undefined) [@policybazaar](/creator/undefined) [@definate](/creator/undefined) [@jatwanisuraj](/creator/undefined) [@piyushsharma](/creator/undefined) [@equitycrux](/creator/undefined) [@marketmaker369](/creator/undefined) [@mohfwindia](/creator/undefined) **Top assets mentioned** [Ergo (ERG)](/topic/ergo) [Cigna Corp (CI)](/topic/$ci) [Lombard (BARD)](/topic/lombard) ### Top Social Posts Top posts by engagements in the last [--] hours "HOW ROOM RENT WORKS . The room rent limit in health insurance refers to the maximum amount that an insurance policy will cover for the cost of a hospital room or accommodation during a hospital stay. This limit can vary significantly depending on the specific health insurance policy you have. Some policies have a fixed daily or monthly limit for room rent while others may have a percentage-based limit No room rent limit It's essential to review your health insurance policy documents or contact your insurance provider to understand the room rent limit and how it applies to your coverage." [X Link](https://x.com/NIKHILLJHA/status/1702655628580446244) 2023-09-15T12:08Z [----] followers, [----] engagements "What is the restoration or Reassurance Benefit of health insurance It means the sum assured gets resorted back up to the sum insured as soon as it gets exhausted after a claim. This means in a year If X has 10L sum assured and he uses 10L for the treatment of diseases A He can again use 10L for treatment of the same or different disease during the same year So effectively he is claiming up to 20L within the sum assured of 10L The massive advantage of the restore benefit is that it can be used multiple times over the year. This can be particularly helpful in family floater policies where there" [X Link](https://x.com/NIKHILLJHA/status/1706894899294187729) 2023-09-27T04:53Z 29.9K followers, 23.9K engagements "What is Co-pay in health insurance Co-pay (co-payment) in health insurance is the percentage of the claim amount that the policyholder has to pay from their own pocket that is part payment between company and policy holder under a health insurance policy Generally companies have a co-payment clause of 20% What does this mean If you have a 20% co-pay clause Out of every Rs [--] lakh claim You will have to pay Rs [-----] from your own pocket The rest Rs [-----] will be paid by the insurer Why do insurance companies introduce co-pay IN order to lower the premium insurance companies introduce co-pay A" [X Link](https://x.com/NIKHILLJHA/status/1707583132105654443) 2023-09-29T02:28Z [----] followers, 20.2K engagements "What is SUB-LIMITS Sub-limits in health insurance refer to specific monetary caps or limits placed on certain medical expenses or treatments within a health insurance policy. These limits are usually set for particular services such surgery or diagnostic tests. For example your health insurance policy might have a sub-limit of 50k for per eye cataract surgery . If you choose a lens of cataract costs more than this limit you would need to pay the excess amount out of pocket. It's essential to read and understand the sub-limits in your health insurance policy as they can affect your coverage" [X Link](https://x.com/NIKHILLJHA/status/1707955138160369782) 2023-09-30T03:06Z 10.2K followers, [----] engagements "🚨Health Insurance Policy Renewal What is Grace Period and how does it work A grace period in health insurance is a specified period of time during which a policyholder can make a premium payment after the due date without their coverage being terminated. The length of the grace period and the specific rules associated with it can vary depending on the insurance company and the terms of the policy. Here's how it generally works: Timelines for renewal of ur health insurance policy👇 Due Date: Your health insurance premium is typically due on a specific date each month. Grace Period: If you" [X Link](https://x.com/NIKHILLJHA/status/1709762276943974429) 2023-10-05T02:47Z 10.2K followers, [----] engagements "Why health insurance is important 🚨🚨 Health insurance is important for several reasons: Financial Protection: Health insurance helps protect you from the high costs of medical care. Without insurance you may have to pay out-of-pocket for doctor visits hospital stays medications and surgeries which can be financially devastating in the event of a serious illness or injury. Access to Healthcare: Health insurance provides access to a network of healthcare providers ensuring you can receive necessary medical treatment when you need it. It encourages regular check-ups and preventive care which" [X Link](https://x.com/NIKHILLJHA/status/1710137931971924181) 2023-10-06T03:40Z 10.4K followers, [----] engagements "🚨Pre and Post hospitalization are very important covers in Health Insurance What is pre and post-hospitalization and why are they important Pre and post-hospitalization coverage refers to the benefits provided by an insurance policy that extends beyond the actual period of hospitalization. Here's what they typically entail👇: Pre-Hospitalization Coverage: This covers medical expenses incurred before hospitalization. When you're diagnosed with an illness or medical condition that ultimately requires hospitalization there are often several diagnostic tests consultations and medications" [X Link](https://x.com/NIKHILLJHA/status/1712319812884414776) 2023-10-12T04:10Z 30.1K followers, 23.2K engagements "🚨Health Insurance Should u buy an individual or family floater plan🤔🤔 Health insurance policies can be categorized into two main types: [--]. Individual health insurance [--]. Family floater health insurance. Individual Health Insurance: Individual health insurance is a policy that covers a single person. It provides health coverage to the policyholder for medical expenses hospitalization and other healthcare-related costs. The coverage is specific to the individual named in the policy. Premiums for individual health insurance are calculated based on the age medical history and other factors of" [X Link](https://x.com/NIKHILLJHA/status/1713748232113893596) 2023-10-16T02:46Z [---] followers, [----] engagements "🚨Health insurance and daycare procedure Does your health policy cover daycare treatment First of all What is daycare treatment🤔 In health insurance a daycare procedure refers to a medical treatment or surgical procedure that can be completed within a single day typically within a few hours without the need for an overnight hospital stay. These are often minor or minimally invasive procedures that do not require prolonged hospitalization. Common examples of daycare procedures covered by health insurance may include👇: 🩺Cataract surgery 🩺Endoscopy or colonoscopy 🩺Tonsillectomy" [X Link](https://x.com/NIKHILLJHA/status/1714114627385381365) 2023-10-17T03:02Z [---] followers, [----] engagements "🚨Room rent limit and associated deductions Sum insured=10 lacs Hospitalisation bill=6 lacs The insurer paid only [--] lac🤯🤯 Room rent can massively limit the claim paid by an insurer A thread🧵on what is room rent limit and how it could limit ur insurance claim Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1715572265436475573) 2023-10-21T03:34Z [---] followers, 52.3K engagements "The insurer will apply a proportionate deduction to the entire bill amount in proportion to the room rent limit. In case of Mr X will be eligible to only 25% claim under the policy. Sum Approved = (Room-rent approved / Room-rent Claimed) X Amount Claimed" [X Link](https://x.com/NIKHILLJHA/status/1715572286957474189) 2023-10-21T03:34Z [----] followers, [----] engagements "🚨Cataract and Health Insurance We have heard cases of Insurance companies not paying full cataract claims🤯🤯 Why is this so🤔🤔🤔 What can u do to get full cataract claims😆😆 Let's find out👇👇 What is a cataract A cataract is a clouding of the natural lens in the eye which can cause blurry vision difficulty seeing in low light and other vision problems. Cataracts often develop with age but can also be caused by factors like eye injury medications or medical conditions. Surgery is a common treatment to remove the cloudy lens and replace it with an artificial one to restore clear vision." [X Link](https://x.com/NIKHILLJHA/status/1715941657953391096) 2023-10-22T04:02Z 31.3K followers, 10.5K engagements "Health insurance is one the most complicated types of insurance Terms and conditions are very very complex Which health insurance policy should u buy A thread🧵on comprehensive health insurance policy & why u should buy the same Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1716643062431326563) 2023-10-24T02:29Z [---] followers, 44.8K engagements "As life goes on most people contract some disease or the other. Senior citizens find it extremely difficult to get a health insurance policy. A thread🧵on alternatives available for senior citizens to buy a health insurance policy Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1717371881735831617) 2023-10-26T02:45Z [----] followers, 34.7K engagements "Health Insurance At the time of buying the policy What is classified as a pre-existing disease What should you do if you have been diagnosed with a disease after buying the health policy Let's find out👇 What is a pre-existing disease A pre-existing disease is a medical condition that a person has before buying the policy This can include High blood pressure asthma diabetes thyroid etc. Any past hospitalization must also be declared to the insurer while buying the policy Any type of ongoing medication is also considered as pre-existing medication (pre-existing condition) Any past" [X Link](https://x.com/NIKHILLJHA/status/1718082807057244593) 2023-10-28T01:50Z [---] followers, 16.4K engagements "Happiest Birthday ❤. Wish you a manny manny happy returns of the day. The man who spread awareness knowledge and create a strong environment around. You are beautiful soul and kind person. God bless you with all the success in life. @AdityaD_Shah roxxx Keep spreading your knowledge" [X Link](https://x.com/NIKHILLJHA/status/1718468377126285741) 2023-10-29T03:22Z [---] followers, [----] engagements "🚨Super Top up in health insurance Super top-up is like a mobile recharge It increases ur sum assured over and above ur base health insurance policy What is this super top-up🤔🤔 A thread🧵on what is a super top-up plan and its benefits and limitations" [X Link](https://x.com/NIKHILLJHA/status/1719247524589182984) 2023-10-31T06:58Z [----] followers, 28.7K engagements "@holysatanic New India is having topup plan. Please contact customer care" [X Link](https://x.com/NIKHILLJHA/status/1719257013316993199) 2023-10-31T07:36Z [---] followers, [--] engagements "Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇" [X Link](https://x.com/NIKHILLJHA/status/1719315690803581219) 2023-10-31T11:29Z 28.7K followers, 40.8K engagements "Health Insurance Portability is a brilliant feature that lets u change health insurance providers/policies😁😁 What is health insurance portability🤔 When and how to use portability🤔 A thread🧵on each and every aspect of health insurance portability Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1719904470082199923) 2023-11-02T02:29Z [----] followers, 19.3K engagements "When to port a policy One must carefully read the terms/conditions of the existing policy. If the policy is a comprehensive policy there is no need to change. If there is a better policy with superior terms available at an affordable premium Then one can consider changing" [X Link](https://x.com/NIKHILLJHA/status/1719904505079435710) 2023-11-02T02:29Z [---] followers, [---] engagements "So many agents port health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process" [X Link](https://x.com/NIKHILLJHA/status/1719904508841722061) 2023-11-02T02:29Z [---] followers, [---] engagements "During underwriting If u are diagnosed with lifestyle diseases like hypertension or diabetes the insurer can load the premium. There can be other complications as well which arise from frequent porting of policies" [X Link](https://x.com/NIKHILLJHA/status/1719904512901874168) 2023-11-02T02:29Z [---] followers, [---] engagements "How to port a policy Step 1: Request portability from the new insurance provider at least [--] days before the current policy is set to expire. Step 2: When the request for portability is received the new insurer will offer a proposal a portability form" [X Link](https://x.com/NIKHILLJHA/status/1719904517402316934) 2023-11-02T02:29Z [----] followers, [---] engagements "Step 3: Once the new insurer receives all the relevant information they will evaluate your proposal. The underwriting team of the insurance company will assess your risk profile. Based on the underwriting the insurer will decide whether to accept or reject your application" [X Link](https://x.com/NIKHILLJHA/status/1719904520954949925) 2023-11-02T02:29Z [----] followers, [---] engagements "Things to check before porting [--]. Terms and conditions of the new policy [--]. Documents as required by the new insurer [--]. Is the Premium of the new policy affordable [--]. Quality of the service from the new insurer [--]. Provide complete and accurate disclosures" [X Link](https://x.com/NIKHILLJHA/status/1719904524847222931) 2023-11-02T02:29Z 29.1K followers, [----] engagements "I will try to write about common myths around health insurance What are the things that confuse you about health insurance Comment here and I will try to answer the questions👇" [X Link](https://x.com/NIKHILLJHA/status/1720009343930908892) 2023-11-02T09:25Z [----] followers, 15.2K engagements "🚨Claim Rejection In Health Insurance. So many people are surprised to have their claims rejected Why do claims get rejected🤔 What can you do so that your claim doesn't get rejected A thread🧵on major reasons & how to minimize the probability of claim rejection Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1720264746514227348) 2023-11-03T02:20Z [----] followers, 25.3K engagements "🚨What happens if you get diagnosed with a disease after you buy the health insurance policy🤔🤔🤔 If you are diagnosed with a disease after buying the policy The insurer will be liable to cover you from the onset of the disease(provided it is not under a waiting period) You have [--] choices [--]. You can disclose it to the insurer [--]. You don't disclose it to the insurer If you don't disclose it At the time of claims the insurer can ask you for the relevant paper trail of the disease and this can stress you during claims when your loved one is already suffering. So in the interest of smooth claims" [X Link](https://x.com/NIKHILLJHA/status/1720389340449399033) 2023-11-03T10:35Z 28.7K followers, 16.7K engagements "I have corporate health insurance of [--] Lakhs from my Office What is the need for personal health insurance So many people think this way But who will cover u when u retire A thread🧵on the features of a corporate cover & should be relying on a corporate cover Let's go👇" [X Link](https://x.com/NIKHILLJHA/status/1720622376327491737) 2023-11-04T02:01Z [----] followers, 39.5K engagements "@ArumallaSwaroop Have to review your condition please dm" [X Link](https://x.com/NIKHILLJHA/status/1720625431227888016) 2023-11-04T02:14Z 29.1K followers, [---] engagements "Will u buy an iPhoneOr will u buy health insurance Cost of an iPhone- Rs 100000/- Health insurance for a 30-year-old- Sum insured=10L+90L(super top up)=1cr Cost=Rs11000+Rs 898=Rs [-----] Yet so many people have an iPhone but don't have a health insurance policy Truly we Indians are just one hospital away from poverty" [X Link](https://x.com/NIKHILLJHA/status/1720800138648814030) 2023-11-04T13:48Z [----] followers, 40.9K engagements "A 1cr health cover for a 30-year-old can be built in a little over Rs [-----] A simple hack that can help u get u a 1cr cover 20-50% cheaper than a single policy What is a super top up A thread🧵 on how to optimally build a 1cr health insurance cover Let's go👇" [X Link](https://x.com/NIKHILLJHA/status/1720987446169751748) 2023-11-05T02:12Z [----] followers, 54.3K engagements "Which insurers offer these comprehensive policies Most insurers offer these policies:- 🩺Niva Bupa 🩺HDFC Ergo 🩺ICICI Lombard 🩺Star Health" [X Link](https://x.com/NIKHILLJHA/status/1720987460623335891) 2023-11-05T02:12Z 29.9K followers, [----] engagements "🚨Dengue/Pneumonia and Health Insurance Claim Rejection Have u had ur claim for dengue or pneumonia rejected by ur insurer Why do insurers reject these claims and what to do One of the most common claim rejection is for Dengue/Pneumonia/Fever Treatment for Dengue is covered by your health insurance However it is not covered under [--] circumstances:- [--]. If hospitalization is not justified. [--]. If standard treatment is not given in the hospital. A course of paracetamol will not be considered as a treatment. The claim is allowed only when hospitalization is necessary and treatment is given as per" [X Link](https://x.com/NIKHILLJHA/status/1721358220864983184) 2023-11-06T02:45Z [----] followers, 21.1K engagements "@honest_dolt No its not.u need someone to help u navigate the complexity" [X Link](https://x.com/NIKHILLJHA/status/1721378115438641356) 2023-11-06T04:04Z 28.7K followers, [---] engagements "Sum insured=25 lacs Hospital bill=5 lacs The insurer only paid [--] lacs This could easily happen to u Most health insurance policies have a room rent limit and a proportionate deduction hidden clause A thread🧵on what is room rent limit & how it could limit ur claim Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1721430353221689577) 2023-11-06T07:32Z 10.2K followers, 38.8K engagements "In the last [--] days I got nearly [---] DMs Tell me the health insurance policy name My humble request:- Knowing the health insurance policy name has no meaning. How u buy the policy is very very important Here is a checklist on how u should buy a health insurance policy👇 ✅How u buy the policy matters a lot. Get a good policy advisor No I don't have any hidden agenda. Health insurance is just so complex with so many hidden terms and conditions that insurers find innovative ways to reject your claim Have someone who will handhold you during claims. Having the right advisor can help u get the" [X Link](https://x.com/NIKHILLJHA/status/1721485126214004872) 2023-11-06T11:10Z [----] followers, 18.1K engagements "Premium for a 30-year-old10L cover Personal health insurance-Rs [-----] Group health insurance sold by banksJain community/ICAI-Rs [----] What are the features of group health insurance policies A thread🧵on group health insurance policies & should u buy them Let's go👇" [X Link](https://x.com/NIKHILLJHA/status/1721712630245798373) 2023-11-07T02:14Z [----] followers, 17.6K engagements "What is a group insurance policy A group insurance policy is a type of insurance that offers cover to a "group" of individuals with a common intent. Banks or certain communities like Jains offer these policies" [X Link](https://x.com/NIKHILLJHA/status/1721712633940992475) 2023-11-07T02:14Z [----] followers, [---] engagements "Group health insurance policies are based on the principle that the bank will find 100s of customers to enroll in these policy programs. Insurers are enticed by a surge in volumes Banks are lured by commission per se" [X Link](https://x.com/NIKHILLJHA/status/1721712637015363872) 2023-11-07T02:14Z [----] followers, [---] engagements "2. Waiver of medical checks One of the most attractive features is these policies generally waive the need for medical citizens Again this can be beneficial especially for Senior citizens" [X Link](https://x.com/NIKHILLJHA/status/1721712643428508043) 2023-11-07T02:14Z [----] followers, [---] engagements "3. Senior citizens can be enrolled Senior citizens generally due to the existence of some diseases or others find it difficult to get health insurance. Group policies are easier to get even for senior citizens" [X Link](https://x.com/NIKHILLJHA/status/1721712646716838248) 2023-11-07T02:14Z [----] followers, [---] engagements "Additionally there can be a surge in premiums if the insurer feels that the risk is too much for them" [X Link](https://x.com/NIKHILLJHA/status/1721712660146962780) 2023-11-07T02:14Z [----] followers, [---] engagements "The insurer reserves the right to withdraw the policy. The insurer can WITHDRAW the policy anytime he wants. This is unlike a individual health insurance policy where the insurer provides a guarantee of lifetime renewal" [X Link](https://x.com/NIKHILLJHA/status/1721712663267565961) 2023-11-07T02:14Z [----] followers, [---] engagements "🚨Some facts on health insurance Comprehensive policies are only available until the age of [--] years After that you need to move to senior citizen policies Any pre-existing disease like diabetes hypertension or asthma entails an increase in premium/loading of 10-25% If you are diagnosed with critical diseases like cancer hypertension and fatty liver then you will not get a good policy. Room rent limit and co-pay can lower the premium but will massively limit the claim an insurer pays Bank-based group policies/Jain community policies/ICAI policies do not offer a guarantee of lifetime renewal" [X Link](https://x.com/NIKHILLJHA/status/1721779934723817972) 2023-11-07T06:41Z [----] followers, 19.9K engagements "Health insurance policies come with 100s of variations & are very complicated🤯🤯 Which conditions should u keep in mind before buying a health insurance policy🤔🤔 Here is a comprehensive checklist of things you should check before buying a health insurance policy Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1722062439900930354) 2023-11-08T01:24Z [----] followers, 31.9K engagements "9. Hospital network Checking the network hospital for cashless claims is very very important. The higher the cashless network less the work better the claims experience. Therefore always check the network of hospitals" [X Link](https://x.com/NIKHILLJHA/status/1722062478803398837) 2023-11-08T01:24Z [----] followers, [---] engagements "Which insurers offer these policies Most insurers offer these policies:- 🩺Niva Bupa 🩺HDFC Ergo 🩺ICICI Lombard 🩺Star Health" [X Link](https://x.com/NIKHILLJHA/status/1722062481034469807) 2023-11-08T01:24Z [----] followers, [---] engagements "Buying a health insurance policy online is like Using Google to take medicine to treat an illness without consulting a doctor. U need experts to assist in complex problems like health insurance Only those who don't buy properly call health insurance a scam" [X Link](https://x.com/NIKHILLJHA/status/1722233366534389946) 2023-11-08T12:43Z [----] followers, 13.3K engagements "🚨Health insurance for Senior Citizens So many people DM me asking:- Please tell me about health insurance for my Senior Citizen parents I tell them the premium would be anywhere from Rs 30000-Rs [-----] Most of them think the premium is high If you think the premium is high Just look at the big hospitalization bill you may get for critical illnesses Compormise on luxuries of life But do not compromise on health insurance" [X Link](https://x.com/NIKHILLJHA/status/1722937840131314156) 2023-11-10T11:22Z [----] followers, 25.7K engagements "One of the most asked questions in health insurance Should i get 5L10L20L or 1cr cover🤔 How much cover is enough🤔🤔 A thread🧵on how much cover u should make and how should you make it Let's go👇" [X Link](https://x.com/NIKHILLJHA/status/1723187190531035370) 2023-11-11T03:53Z [----] followers, 51.3K engagements "Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇" [X Link](https://x.com/NIKHILLJHA/status/1723305348218634633) 2023-11-11T11:43Z [----] followers, 19K engagements "🚨Porting of health insurance So many agents port your health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process. During underwriting If u are diagnosed with lifestyle diseases like hypertension or diabetes the insurer can load the premium. There can be other complications as well which arise from frequent porting of policies You should only port your policy if You find a policy with better terms and" [X Link](https://x.com/NIKHILLJHA/status/1723556444589740249) 2023-11-12T04:20Z [----] followers, 16.8K engagements "🚨 iPhone or health insurance🤔🤔 Iphone 15=Rs [------] Health insurance for a 30-year old=Rs 12000(10L cover) Bus ek Zero ka hi farak hai😅😅 But When you get hospitalized:- The Iphone will not come and save u. Health insurance definitely will Before u buy luxuries(iPhone) Make sure you have the necessities of life(health insurance)" [X Link](https://x.com/NIKHILLJHA/status/1723649558448943162) 2023-11-12T10:30Z [----] followers, [----] engagements "@SureshK77282053 Coz the risk of claims is high" [X Link](https://x.com/NIKHILLJHA/status/1723906705308733670) 2023-11-13T03:32Z [----] followers, [---] engagements "🚨Is Health Insurance Decoded As @NIKHILLJHA wrote a superb thread on Senior Citizen Health insurance today Today at 9PM A blockbuster space we discuss with him We talk about Senior Citizens and health insurance premium rise 🩺How should senior citizens go about buying health insurance What should heart patients diabetics and cancer patients really do 🩺Why do health insurance premiums rise and much more" [X Link](https://x.com/NIKHILLJHA/status/1723927751244370328) 2023-11-13T04:56Z [----] followers, [----] engagements "🚨Premium rise in Health insurance My health insurance premium rose suddenly from Rs [-----] to Rs 30000🤯🤯 Why did this happen🧐 Does the premium rise after every claim🧐🧐 A thread🧵on why health insurance premiums rise and do premiums rise after claims Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1724616270300189032) 2023-11-15T02:32Z [----] followers, 36.3K engagements "Rise in Medical costs 🚨India's Healthcare Scenario:- 🩺India's medical inflation=14% 🩺Cost of treatment nearly doubles every [--] years 🩺A 10L cover today will be reduced to a 5L cover in [--] years time 🩺63% of the hospitalization bill is paid from the pocket" [X Link](https://x.com/NIKHILLJHA/status/1724616280962105685) 2023-11-15T02:32Z 43.8K followers, [----] engagements "How to port a policy Step 1: Request portability from the new insurance provider at least [--] days before the current policy is set to expire. Step 2: When the request for portability is received the new insurer will offer a proposal a portability form" [X Link](https://x.com/NIKHILLJHA/status/1724976524208771235) 2023-11-16T02:23Z [----] followers, [---] engagements "Step 3: Once the new insurer receives all the relevant information they will evaluate your proposal. The underwriting team of the insurance company will assess your risk profile. Based on the underwriting the insurer will decide whether to accept or reject your application" [X Link](https://x.com/NIKHILLJHA/status/1724976526331126255) 2023-11-16T02:23Z [----] followers, [---] engagements "What is the Checklist to buy Health insurance Here are the terms and conditions you need to watch for👇" [X Link](https://x.com/NIKHILLJHA/status/1726800971257585941) 2023-11-21T03:13Z [----] followers, 109.1K engagements "🚨Health Insurance for Senior Citizen A comprehensive checklist on how to go about buying policies for senior citizens 👇 Comment on the problems u face in buying health insurance for Senior Citizens. Will help" [X Link](https://x.com/NIKHILLJHA/status/1727882051473559932) 2023-11-24T02:49Z [----] followers, 43.6K engagements "@omrajpurohit_ Yes will doo" [X Link](https://x.com/NIKHILLJHA/status/1728287874385424594) 2023-11-25T05:41Z [----] followers, [---] engagements "Health insurance is a very complex type of insurance🤯🤯 From room rent limit to which policy to buy to policies for senior citizens I have written many threads simplifying health insurance😁😁 A thread🧵 of threads on all topics simplifying health insurance Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1728601175413719335) 2023-11-26T02:26Z 13.1K followers, 104.7K engagements ""I have a health insurance policy from the office Why should I buy a personal health insurance" Do you think this way But buying a personal policy on top of your office policy can be vital in the long run Here is why👇" [X Link](https://x.com/NIKHILLJHA/status/1728964625105093070) 2023-11-27T02:31Z [----] followers, 25.6K engagements "On my mission to spread deep insights/awareness on health insurance We have reached a family of [----] followers today I want to thank my Twitter family for their continued support Hoping to share even better insights on health insurance Health insurance Sahi hai❤❤" [X Link](https://x.com/NIKHILLJHA/status/1729024670501143018) 2023-11-27T06:29Z [----] followers, [----] engagements "🚨Premium rise in Health insurance My health insurance premium rose suddenly from Rs [-----] to Rs 30000🤯🤯 Why did this happen🧐 Does the premium rise after every claim🧐🧐 Lets find out👇" [X Link](https://x.com/NIKHILLJHA/status/1730057477478342834) 2023-11-30T02:53Z [----] followers, 15.1K engagements "Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇" [X Link](https://x.com/NIKHILLJHA/status/1730547241277080026) 2023-12-01T11:19Z [----] followers, 13.6K engagements "@sagargarag @AdityaD_Shah 1) no as of now 2) mental means what" [X Link](https://x.com/NIKHILLJHA/status/1730550663828922745) 2023-12-01T11:33Z [----] followers, [---] engagements "How much does a 1cr health insurance cost A 30-year-old- 🩺Comprehensive policy- 🩺No Room Rent limit 🩺No co-pay 🩺No Sublimits on various diseases [--] Lakh cover Premium-Rs 12094/- Add a 90L super top-up Premium-Rs 898/- Total Cost-Rs 12992/- Premium will rise with age But enhanced cover will help in older age with increasing medical costs" [X Link](https://x.com/NIKHILLJHA/status/1730552496526168283) 2023-12-01T11:40Z [----] followers, 11.5K engagements "Health Insurance Portability is a brilliant feature that lets u change health insurance providers/policies😁😁 What is health insurance portability🤔 When and how to use portability🤔 So many agents port health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process" [X Link](https://x.com/NIKHILLJHA/status/1730790348115644689) 2023-12-02T03:25Z [----] followers, 13.2K engagements "🚨Health insurance is a very personal Experience So many people tell me:- I have had a good experience with XYZ insurer I want to buy only from XYZ insurer only I tell them This👇 [--] Different Families 🩺Same Insurer 🩺Same Policy 🩺Same Sum Insured The claim experience can be very very different One family can have a seamless claim experience While the other can have hassles with claims Your claims experience depends on:- [--]. Your disclosures on pre-existing diseases to the insurer [--]. Your policy conditions [--]. The type of diseases you are undergoing treatment for [--]. The Hospital u are being" [X Link](https://x.com/NIKHILLJHA/status/1731244308874031149) 2023-12-03T09:29Z [----] followers, [----] engagements "So what is the problem with these traditional policies Traditional policies offer sum assured that is nearly 10x of the premium paid. "Assured Sum" is a major attraction of these policies" [X Link](https://x.com/NIKHILLJHA/status/1731502177829691614) 2023-12-04T02:34Z [----] followers, [---] engagements "Poor returns:- As the graph clearly shows.very subpar returns of 5-6% on these policies. You would be better of with a Term plan and investing in index funds Source:Mint" [X Link](https://x.com/NIKHILLJHA/status/1731502181466222848) 2023-12-04T02:34Z [----] followers, [---] engagements "Health insurance policies come with 100s of variations & are very complicated🤯 Which conditions should u keep in mind before buying a health insurance policy🤔🤔 Here is a comprehensive checklist of things you should check before buying a health insurance policy Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1731900469549924584) 2023-12-05T04:57Z [----] followers, 30.1K engagements "9. Hospital network Checking the network hospital for cashless claims is very very important. The higher the cashless network less the work better the claims experience. Therefore always check the network of hospitals" [X Link](https://x.com/NIKHILLJHA/status/1731900511748534586) 2023-12-05T04:57Z [----] followers, [---] engagements "Which insurers offer these policies Most insurers offer these policies:- 🩺Niva Bupa 🩺HDFC Ergo 🩺ICICI Lombard 🩺Star Health" [X Link](https://x.com/NIKHILLJHA/status/1731900514105983214) 2023-12-05T04:57Z [----] followers, [---] engagements "Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY" [X Link](https://x.com/NIKHILLJHA/status/1731961786050678974) 2023-12-05T09:00Z [----] followers, 16.6K engagements "@PRADEEPcaAADI @joinditto @HDFCERGOGIC Product name" [X Link](https://x.com/NIKHILLJHA/status/1732003416434733396) 2023-12-05T11:46Z [----] followers, [--] engagements "@rajeshjain155 @i_cdot @AdityaD_Shah @Niva_Bupa Sales guy knows how to sales but advisor knows how to sales and service one owns customers" [X Link](https://x.com/NIKHILLJHA/status/1732261542048211307) 2023-12-06T04:51Z [----] followers, [--] engagements "🚨India's Healthcare Scenario:- 🩺India's medical inflation=14% 🩺Cost of treatment nearly doubles every [--] years 🩺A 10L cover today will be reduced to a 5L cover in [--] years time 🩺63% of the hospitalization bill is paid from the pocket 🩺7% people pushed into poverty due to healthcare costs 🩺Heart Diseases are costly to treat 🩺Kidney diseases cost a fortune 🩺Cancer-related expenses can cost a bomb Think very very carefully and make a sufficient health insurance cover for a lifetime Optimize your premium but do not compromise on premium. Build a good comprehensive cover" [X Link](https://x.com/NIKHILLJHA/status/1732323377543819761) 2023-12-06T08:57Z [----] followers, 17.5K engagements "Do you rely corporate coverage from ur employer for your parent's health insurance needs It is very very essential to buy a good personal policy before the age of [--] The premium may be high But the hospital bill will be even higher Here are alternatives available for senior citizens to buy a health insurance policy👇" [X Link](https://x.com/NIKHILLJHA/status/1733318575178616841) 2023-12-09T02:52Z [----] followers, 16.7K engagements "@sharonraj134 Niva bupa Star health HDFC ergo" [X Link](https://x.com/NIKHILLJHA/status/1733453353995436430) 2023-12-09T11:47Z [----] followers, [---] engagements "@TheProf28041764 comprehensive policy from HDFC Ergo Niva Bupa ICICI Lomabard Buy it thru an agent" [X Link](https://x.com/NIKHILLJHA/status/1733485502270169282) 2023-12-09T13:55Z [----] followers, [---] engagements "Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇" [X Link](https://x.com/NIKHILLJHA/status/1733486288521826495) 2023-12-09T13:58Z [----] followers, 21.6K engagements "Insurance Analyser Series-Episode [--] Niva Bupa Reassure [---] Premium doesn't rise in a Health insurance policy🤯 This policy has a unique feature of not increasing the premium until u make the first claim A thread🧵 analyzing the features of Niva Bupa Reassure [---] Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1733676257987191138) 2023-12-10T02:33Z 31.2K followers, 207K engagements "Niva Bupa launched Re-Assure in October [----] They have now come up with some new features under the brand Niva Bupa Reassure [---] Lets find out the features of the policy👇" [X Link](https://x.com/NIKHILLJHA/status/1733676260436644329) 2023-12-10T02:33Z [----] followers, [----] engagements "Niva Bupa Reassure comes in [--] Variants 🏥Bronze+ 🏥Titanium+ 🏥Platinum+ Bronze is the base version and the cheapest policy. Titanium and Platinum plans come with Lock the clock feature" [X Link](https://x.com/NIKHILLJHA/status/1733676262449983684) 2023-12-10T02:33Z [----] followers, [----] engagements "E.g. If u buy the policy at [--] years u will keep paying the premium applicable for a [--] year old at each renewal till a claim is paid in the policy. Post the claim is paid the premium charged will be as per your current age & will continue to change as per the age slabs" [X Link](https://x.com/NIKHILLJHA/status/1733676270637162543) 2023-12-10T02:33Z [----] followers, [----] engagements "2. No Room Rent Limit:- The Niva Bupa ReAssure [---] plan does not come with any room rent limit for in-patient hospitalization or ICU admission. 🏥60 days before hospitalisation 🏥180 days post hospitalisation is covered" [X Link](https://x.com/NIKHILLJHA/status/1733676273610957044) 2023-12-10T02:33Z [----] followers, [----] engagements "6.Upto 30% discount on the renewal premium on the basis of step count" [X Link](https://x.com/NIKHILLJHA/status/1733676291138912531) 2023-12-10T02:33Z [----] followers, [----] engagements "7. Optional Benefits like 🏥Hospital Cash 🏥Safegaurd 🏥Safegaurd+ Benefits help u insure again non payable items and consumables" [X Link](https://x.com/NIKHILLJHA/status/1733676293940814251) 2023-12-10T02:33Z [----] followers, [----] engagements "8. No Maternity Benefits f youre hospitalized during childbirth then you may have to incur significant costs during delivery of your newborn child care and other related matters during the course of the hospitalization. Niva Bupa Reassure will not cover this cost" [X Link](https://x.com/NIKHILLJHA/status/1733676296671203821) 2023-12-10T02:33Z [----] followers, [----] engagements "10. Premium For a [--] Lakhs claim For a [--] year old:- The premium is Rs10294 for the base Niva Reassure [---] The premium increase as u opt for top versions But as features keep increasing the quality of the policy inceases" [X Link](https://x.com/NIKHILLJHA/status/1733676299976429701) 2023-12-10T02:33Z [----] followers, [----] engagements "Conclusion:- 🏥Reassure is a good product from Niva Bupa 🏥Lock the clock feature is an excellent feature 🏥Safegard feature is yet another good product 🏥Hospital coverage for Niva Bupa needs to increase with time" [X Link](https://x.com/NIKHILLJHA/status/1733676303113728089) 2023-12-10T02:33Z 28.7K followers, 10.4K engagements "Keep following me -@NIKHILLJHA as I write daily to make you aware around: 📈Health Insurance Go to my profile and hit the bell icon🔔to always stay updated" [X Link](https://x.com/NIKHILLJHA/status/1733676305873543396) 2023-12-10T02:33Z 21.3K followers, [----] engagements "🚨Is Health Insurance a Scam After receiving so many requests Today at 9PM we will do a comprehensive space Why do so many people think health insurance is a scam🧐🤔 🩺What should heart patients diabetics and cancer patients really do 🩺Do u have a corporate cover Should you buy a personal health insurance cover 🩺What to do if claims are rejected 🩺How should senior citizens go about buying health insurance and much more Please leave ur questions in the comment section and we will take them up 📆Today9PM on Twitter Spaces" [X Link](https://x.com/NIKHILLJHA/status/1733751497299812861) 2023-12-10T07:32Z [----] followers, 14.9K engagements "Do u have a health insurance cover If no why don't u have a cover It yes how big is Ur cover" [X Link](https://x.com/NIKHILLJHA/status/1734187543858647316) 2023-12-11T12:25Z [----] followers, [----] engagements "Insurance Analyser Series-Episode [--] HDFC Ergo Optima Secure The Policy comes with a feature of increasing cover by 4x at no additional cost It also provides 2x cover from day [--] A thread🧵on the features of HDFC Ergo Optime Secure Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1734398742051348876) 2023-12-12T02:24Z 10.4K followers, 112.7K engagements "2. Copay:- The policy does not have any co-pay. Entire bill will be picked up by the insurer" [X Link](https://x.com/NIKHILLJHA/status/1734398746404982903) 2023-12-12T02:24Z [----] followers, [----] engagements "3. Hospital Coverage:- HDFC Ergo covers a wide range of [-----] hospitals" [X Link](https://x.com/NIKHILLJHA/status/1734398748342816859) 2023-12-12T02:24Z [----] followers, [----] engagements "7.Protect Benefit:- During hospitalisation his non-medical expenses that add up to 10-20% of the total bill amount also get covered by Protect Benefit Consumables get covered under this clause" [X Link](https://x.com/NIKHILLJHA/status/1734398758882820332) 2023-12-12T02:24Z [----] followers, [----] engagements "8. No Maternity Benefits If youre hospitalized during childbirth then you may have to incur significant costs during delivery of your newborn child care and other related matters during the course of the hospitalization. HDFC Ergo Optima Secure does not cover it" [X Link](https://x.com/NIKHILLJHA/status/1734398762083348953) 2023-12-12T02:24Z [----] followers, [----] engagements "12. Preventive Health Check up For a 10L cover On a individual policy test worth Rs [----] are available In a floater policy test worth Rs [----] are available" [X Link](https://x.com/NIKHILLJHA/status/1734398771092726114) 2023-12-12T02:24Z [----] followers, [----] engagements "Premium:- For a 30year old 10L cover Optima Restore premium is Rs [-----] Similar policies are available from other companies at Rs [-----] Therefore the premium is on the higher side as always with HDFC Ergo" [X Link](https://x.com/NIKHILLJHA/status/1734398773462483163) 2023-12-12T02:24Z [----] followers, [----] engagements "@RahulRa81251251 Hdfc ergo" [X Link](https://x.com/NIKHILLJHA/status/1734496347452281228) 2023-12-12T08:52Z [----] followers, [--] engagements "The best advisors simplify health insurance The space we did [--] days ago simplified almost everything Difference b/w sellers and people with real knwledge" [X Link](https://x.com/NIKHILLJHA/status/1734586122829975826) 2023-12-12T14:48Z [----] followers, [----] engagements "@hsammi Will do" [X Link](https://x.com/NIKHILLJHA/status/1734602002511052857) 2023-12-12T15:51Z [----] followers, [---] engagements "@skykamdi Optima restore : with protector rider the rider comes with inflation thing" [X Link](https://x.com/NIKHILLJHA/status/1734604692917985761) 2023-12-12T16:02Z [----] followers, [--] engagements "@yashsirodariya Hdfc niva icici and tata is better" [X Link](https://x.com/NIKHILLJHA/status/1734623203945857328) 2023-12-12T17:16Z [----] followers, [--] engagements "8. Preventive Medical Tests:- For a 10L individual policy it allows only tests of Rs 3000/year. This is very low" [X Link](https://x.com/NIKHILLJHA/status/1734772525027168444) 2023-12-13T03:09Z [----] followers, [----] engagements "@jatwanisuraj @Niva_Bupa @Bupa Where is ur agent Was this diagnosed after buying the policy" [X Link](https://x.com/NIKHILLJHA/status/1734881727661986053) 2023-12-13T10:23Z [----] followers, [--] engagements "@jatwanisuraj @Niva_Bupa @Bupa U should never buy direct Now nobody will listen to u" [X Link](https://x.com/NIKHILLJHA/status/1734955741130399902) 2023-12-13T15:17Z [----] followers, [--] engagements "Insurance Analyser series-Episode [--] Tata AIG Medicare This policy from the house of Tatas provides a Global health care cover🤯🤯 A thread🧵on the features of Tata Medicare Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1735510755884339698) 2023-12-15T04:03Z 10.2K followers, 59.2K engagements "2. Care supreme" [X Link](https://x.com/NIKHILLJHA/status/1735610604071932336) 2023-12-15T10:39Z [----] followers, [----] engagements "3 HDFC Ergo optima Secure" [X Link](https://x.com/NIKHILLJHA/status/1735610606768812082) 2023-12-15T10:39Z [----] followers, [---] engagements "Insurance Analyser Episode [--] Niva Bupa just launched a new policy "Aspire" The policy comes with Maternity Benefit and a Global Health cover🤯 The policy also cover doctor consultation under Out Patient Department(OPD) A thread🧵on the features of Niva Bupa Aspire Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1736227532247367787) 2023-12-17T03:31Z [----] followers, 105.7K engagements "Niva Bupa Aspire comes in [--] Variants 🏥Gold+ 🏥Diamond+ 🏥Titanium+ 🏥Platinum+ Gold is the base version and the cheapest policy. DiamondTitanium and Platinum plans come with Lock the clock feature" [X Link](https://x.com/NIKHILLJHA/status/1736227535430771141) 2023-12-17T03:31Z [----] followers, [----] engagements "5. Booster Benefit Unutilized Base Sum Insured carries forward. Maximum it will accumulate up to 3/5/10 times (based on the plan you have chosen) of the Base Sum Insured" [X Link](https://x.com/NIKHILLJHA/status/1736227556683317699) 2023-12-17T03:31Z [----] followers, [----] engagements "For eg:- If you have chosen Base Sum Insured of INR [--] lakh and Titanium+ Variant then at the end of [--] years (if you have made no claims in these years) you will have [----] Crore Sum Insured (that is [--] Lakh base + [--] Crore Booster+)" [X Link](https://x.com/NIKHILLJHA/status/1736227559619383495) 2023-12-17T03:31Z [----] followers, [----] engagements "12. Cash-Bag benefit Accumulate cashback on every claim free year in your Cash-Bag. Use it to pay for premiums deductible co-payment and OPD. 10% of 1st renewal premium and 5% of every subsequent renewal premium" [X Link](https://x.com/NIKHILLJHA/status/1736227580922273831) 2023-12-17T03:31Z [----] followers, [----] engagements "Premium For a [--] Lakhs claim For a [--] year old:- The premium is Rs13000 for the top Aspire version The premium increase as u opt for top versions But as features keep increasing the quality of the policy increases" [X Link](https://x.com/NIKHILLJHA/status/1736227586856886635) 2023-12-17T03:31Z [----] followers, [----] engagements "Conclusion:- 🏥Aspire is a good product from Niva Bupa 🏥Covers like maternity global cover and booster benefit set it apart 🏥There are no sublimit anywhere which is really good. This policy should be considered by young people for sure" [X Link](https://x.com/NIKHILLJHA/status/1736227589487038660) 2023-12-17T03:31Z [----] followers, [----] engagements "@AwesomeAP6 Yes sum insured wise" [X Link](https://x.com/NIKHILLJHA/status/1736303962620604416) 2023-12-17T08:34Z [----] followers, [---] engagements "@pathakajay31 MAx bupa has been renamed to niva bupa" [X Link](https://x.com/NIKHILLJHA/status/1736328840988013015) 2023-12-17T10:13Z [----] followers, [---] engagements "Health Insurance Analyser Series Episode [--] Senior Citizen Plans HDFC Ergo Myhealth Suraksha This policy offers entry at any age and the premiums do not rise after [--] years🤯 A thread🧵on the features of HDFC ergo my health Suraksha Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1736579138205646916) 2023-12-18T02:48Z 10.4K followers, 56.9K engagements "Why do i say PSU companies policies don't have great policy conditions 🩺All policies below [--] lakhs come with a room rent limit(room rent and proportionate deductions can be really bad) 🩺They do not have any restoration benefit(which is vital for critical illness like cancer) 🩺No claim bonus is also really low 🩺For a lot of companies big covers of 1cr are not available 🩺Consumables cover rider is not available in many cases. At the end of the day it is not about PSU or Private health insurance Its about which policy 🩺which has good policy conditions 🩺has swift claim settlement" [X Link](https://x.com/NIKHILLJHA/status/1736653223006708061) 2023-12-18T07:42Z [----] followers, 11.1K engagements "@rnyaiims Every porting entails fresh underwriting" [X Link](https://x.com/NIKHILLJHA/status/1736750155322605966) 2023-12-18T14:07Z [----] followers, [---] engagements "You can recoup the entire extra premium paid on a comprehensive policy in one claim On a [--] L claim Star Red Carpet will only pay 4L A comprehensive policy with no restriction could end up paying 7L to 9L Thereby negating the premium savings" [X Link](https://x.com/NIKHILLJHA/status/1736928489343996148) 2023-12-19T01:56Z [----] followers, [----] engagements "🩺Claim Settlement Star's track record on claim rejection also must be clearly monitored. There have been many instances of Claim rejection. Recently hospital association in Ahmedabad called on Star to ensure a smooth claim settlement" [X Link](https://x.com/NIKHILLJHA/status/1736928492317806819) 2023-12-19T01:56Z [----] followers, [----] engagements "Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily" [X Link](https://x.com/NIKHILLJHA/status/1737011864754966760) 2023-12-19T07:27Z [----] followers, 14.5K engagements "Health Insurance Analyser Series-Episode [--] Senior Citizen Policy Niva Bupa Senior First Policy A senior citizen policy which is very close to a comprehensive policy This policy comes with unlimited no of restores A thread🧵analyzing the features of Niva Senior First Policy Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1737295761392734381) 2023-12-20T02:16Z [----] followers, 33.1K engagements "Premium For a [--] year old For a 10L sum insured without co-pau the premium is Rs [-----] This is certainly not cheap" [X Link](https://x.com/NIKHILLJHA/status/1737295784423628896) 2023-12-20T02:16Z [----] followers, [---] engagements "Conclusion:- In the Senior Citizen policy.Niva Bupa Senior First policy comes with 🩺Has unlimited number of restores 🩺No copayment 🩺Single private room It is a good option for senior citizens after 65" [X Link](https://x.com/NIKHILLJHA/status/1737295786537541671) 2023-12-20T02:16Z [----] followers, [----] engagements "🚨Porting of Health Insurance Insurers are rejecting claims on Ported policies due to material nondisclosure of pre-existing diseases at the time of porting This is becoming a serious problem A thread🧵with a comprehensive checklist of things to follow before porting Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1737446757829898503) 2023-12-20T12:16Z [----] followers, 31K engagements "So what are the things to keep in mind before porting the policy [--]. Why are u Porting One must carefully read the terms/conditions of the existing policy. If the policy is a comprehensive policy there is no need to change. If there is a better policy with superior terms available at an affordable premium Then one can consider changing" [X Link](https://x.com/NIKHILLJHA/status/1737446769599111473) 2023-12-20T12:16Z [----] followers, [----] engagements "So many agents port health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process" [X Link](https://x.com/NIKHILLJHA/status/1737446771977253353) 2023-12-20T12:16Z [----] followers, [----] engagements "During underwriting If u are diagnosed with lifestyle diseases like hypertension or diabetes the insurer can load the premium. There can be other complications as well which arise from frequent porting of policies" [X Link](https://x.com/NIKHILLJHA/status/1737446774913327365) 2023-12-20T12:16Z [----] followers, [----] engagements "2. Disclose all pre existing diseases at the time of porting very clearly. All porting entails underwriting again. In fact the insurer will be even more cautious in underwriting as all waiting periods are now waived" [X Link](https://x.com/NIKHILLJHA/status/1737446778394542578) 2023-12-20T12:16Z [----] followers, [---] engagements "How to port a policy Step 1: Request portability from the new insurance provider at least [--] days before the current policy is set to expire. Step 2: When the request for portability is received the new insurer will offer a proposal a portability form" [X Link](https://x.com/NIKHILLJHA/status/1737446800569901460) 2023-12-20T12:16Z 10.2K followers, [---] engagements "Step 3: Once the new insurer receives all the relevant information they will evaluate your proposal. The underwriting team of the insurance company will assess your risk profile. Based on the underwriting the insurer will decide whether to accept or reject your application" [X Link](https://x.com/NIKHILLJHA/status/1737446804382425096) 2023-12-20T12:16Z [----] followers, [---] engagements "Do u have senior-age parents who don't have health insurance Here is a comprehensive checklist on how to buy health insurance for health insurance Yes the premium will not be cheap But the hospital bill will be even more expensive" [X Link](https://x.com/NIKHILLJHA/status/1737643330803302417) 2023-12-21T01:17Z [----] followers, 63.8K engagements "@2Hyd04Jai And what you will do in case of company stop to add this next year or you switch or you start you business" [X Link](https://x.com/NIKHILLJHA/status/1737678230591799622) 2023-12-21T03:35Z [----] followers, [--] engagements "@2Hyd04Jai And in case of cancer or something critical like that where every immunotherapy cost [--] lakhs then how much liquid cash you keep even ambani is also having health insurance" [X Link](https://x.com/NIKHILLJHA/status/1737755673554018686) 2023-12-21T08:43Z [----] followers, [--] engagements "🚨Cost of Health Insurance in India How much does a 1cr HEALTH INSURANCE cover cost A 1cr cover is essential to fight critical illnesses like cancer 🩺For a [--] year year old 1cr cover can be built for Rs [-----] 🩺For a [--] year old 1cr cover can be built for Rs 35000-Rs47000" [X Link](https://x.com/NIKHILLJHA/status/1738025795506040862) 2023-12-22T02:36Z [----] followers, 44.3K engagements "@kj35000 Many insurers Hdfc Niva Icici Star" [X Link](https://x.com/NIKHILLJHA/status/1738040195214459205) 2023-12-22T03:34Z [----] followers, [---] engagements "@zhaphod @AdityaD_Shah Many from Hdfc Niva Icici" [X Link](https://x.com/NIKHILLJHA/status/1738402507033026663) 2023-12-23T03:33Z [----] followers, [---] engagements "Health insurance is so complex That after so many years in the industry Even I get surprised by how companies treat no Illness and treatment And people think they don't need advisors to help them. If u don't do things correctly in health surpirse U will be surprised by claim rejection/part claim payments" [X Link](https://x.com/anyuser/status/1738795096303366223) 2023-12-24T05:33Z [--] followers, 24.8K engagements "🚨Do u have sufficient health insurance coverage Here is the cost of treating various illnesses today👇 Cost of treating cancer:- Rs30-50Lakhs Cost of treating a heart disease Rs 10-25 Lakhs Cost of treating a kidney disease Rs10-30 Lakhs with recurring costs for dialysis These costs are rising by 14% annually How is a 5L or a 10L cover sufficient even today Let alone the future Worry about being underinsured" [X Link](https://x.com/NIKHILLJHA/status/1738871976327098670) 2023-12-24T10:39Z 28.7K followers, 35.3K engagements "@SUMANTH30551674 1cr" [X Link](https://x.com/NIKHILLJHA/status/1738874385107493266) 2023-12-24T10:48Z [----] followers, [----] engagements "Health insurance is one of the most complex insurance From terms and conditions on buying to claim rejection there are so many questions unanswered Ask me Anything(AMA) on health insurance for the next [--] minutes Ask here👇" [X Link](https://x.com/anyuser/status/1738906554655818043) 2023-12-24T12:56Z [--] followers, 49K engagements "@shekhar62171 Hdfc maax niva" [X Link](https://x.com/NIKHILLJHA/status/1738914513964163574) 2023-12-24T13:28Z [----] followers, [---] engagements "🚨Super top-up health insurance plan So many people are confused about the Super top-up health insurance plan🤔🤔🤔 Here are some basic questions answered:- [--]. What is super top uo deductible It is the amount only above which the super top is activated Super Top comes with a deductible of 5L or 10L So the first 5L or 10L will have to come from a base policy or from ur own pocket [--]. Super top-up is a completely different policy Yes it is a different policy altogether So u will need to undergo an underwriting process and a waiting period for existing disease will be applicable [--]. Can u buy a" [X Link](https://x.com/NIKHILLJHA/status/1739234784751358179) 2023-12-25T10:41Z 10.2K followers, 25.1K engagements "Insurance Analyser Series Episode [--] PSU Insurers PSU insurers lack severely in policy conditions United India Medicare Room rent limit and no restoration severely hamper the quality of the policy A thread🧵on the features of United India Medicare policy Lets go👇" [X Link](https://x.com/anyuser/status/1740211880537514336) 2023-12-28T03:23Z [--] followers, 23K engagements "1. Niva Bupa Reassure [---] Insurance Analyser Series-Episode [--] Niva Bupa Reassure [---] Premium doesn't rise in a Health insurance policy🤯 This policy has a unique feature of not increasing the premium until u make the first claim A thread🧵 analyzing the features of Niva Bupa Reassure [---] Lets go👇 https://t.co/fVBOq4mchB Insurance Analyser Series-Episode [--] Niva Bupa Reassure [---] Premium doesn't rise in a Health insurance policy🤯 This policy has a unique feature of not increasing the premium until u make the first claim A thread🧵 analyzing the features of Niva Bupa Reassure [---] Lets go👇" [X Link](https://x.com/NIKHILLJHA/status/1740311051101778212) 2023-12-28T09:57Z 10.2K followers, 24.7K engagements "2. Care supreme Health Insurance Analyser Series-Episode [--] Care has been in the news for all the wrong reasons😒😒 Care Supreme policy enhances the sum assured by up to 500%.🤯🤯 A thread🧵on the features of the Care Supreme Policy Let's go👇 https://t.co/L6f2foSNNI Health Insurance Analyser Series-Episode [--] Care has been in the news for all the wrong reasons😒😒 Care Supreme policy enhances the sum assured by up to 500%.🤯🤯 A thread🧵on the features of the Care Supreme Policy Let's go👇 https://t.co/L6f2foSNNI" [X Link](https://x.com/NIKHILLJHA/status/1740311053496697262) 2023-12-28T09:57Z 10.2K followers, 20.8K engagements "3 HDFC Ergo optima Secure Insurance Analyser Series-Episode [--] HDFC Ergo Optima Secure The Policy comes with a feature of increasing cover by 4x at no additional cost It also provides 2x cover from day [--] A thread🧵on the features of HDFC Ergo Optime Secure Lets go👇 https://t.co/OsqcPJdMey Insurance Analyser Series-Episode [--] HDFC Ergo Optima Secure The Policy comes with a feature of increasing cover by 4x at no additional cost It also provides 2x cover from day [--] A thread🧵on the features of HDFC Ergo Optime Secure Lets go👇 https://t.co/OsqcPJdMey" [X Link](https://x.com/NIKHILLJHA/status/1740311056118059345) 2023-12-28T09:57Z 10.4K followers, [----] engagements "6. ICICI Health Shield [---] Health Insurance analyser-Episode [--] ICICI Lombard Health Shield This plan provides world wide cover for a travel less than [--] days How does this plan rank with other comprehensive policies A thread🧵 on the features of ICICI Health Shield Lets go👇 https://t.co/kaAlnGEHT0 Health Insurance analyser-Episode [--] ICICI Lombard Health Shield This plan provides world wide cover for a travel less than [--] days How does this plan rank with other comprehensive policies A thread🧵 on the features of ICICI Health Shield Lets go👇 https://t.co/kaAlnGEHT0" [X Link](https://x.com/NIKHILLJHA/status/1740311063470731378) 2023-12-28T09:57Z [----] followers, 11.5K engagements "7. Senior Citizen Policy HDFC Ergo Myhealth Suraksha Health Insurance Analyser Series Episode [--] Senior Citizen Plans HDFC Ergo Myhealth Suraksha This policy offers entry at any age and the premiums do not rise after [--] years🤯 A thread🧵on the features of HDFC ergo my health Suraksha Lets go👇 https://t.co/kmpgmpeHVR Health Insurance Analyser Series Episode [--] Senior Citizen Plans HDFC Ergo Myhealth Suraksha This policy offers entry at any age and the premiums do not rise after [--] years🤯 A thread🧵on the features of HDFC ergo my health Suraksha Lets go👇 https://t.co/kmpgmpeHVR" [X Link](https://x.com/NIKHILLJHA/status/1740311065915969994) 2023-12-28T09:57Z 13.2K followers, [----] engagements "13. United Family Medicare Plan https://x.com/NIKHILLJHA/status/1740211880537514336s=20 Insurance Analyser Series Episode [--] PSU Insurers PSU insurers lack severely in policy conditions United India Medicare Room rent limit and no restoration severely hamper the quality of the policy A thread🧵on the features of United India Medicare policy Lets go👇 https://t.co/rCTnnQUzpF https://x.com/NIKHILLJHA/status/1740211880537514336s=20 Insurance Analyser Series Episode [--] PSU Insurers PSU insurers lack severely in policy conditions United India Medicare Room rent limit and no restoration severely" [X Link](https://x.com/NIKHILLJHA/status/1740311080843534677) 2023-12-28T09:57Z 45.7K followers, [----] engagements "@tarunarora84 Dm" [X Link](https://x.com/NIKHILLJHA/status/1740370481465946120) 2023-12-28T13:53Z [---] followers, [--] engagements "Premium:- For a 30year old 10L cover Health Advantage premium is Rs [-----] Similar policies are available from other companies at Rs [-----] Therefore the premium is on the higher side as always with ICICI Lombard" [X Link](https://x.com/anyuser/status/1740563846644076640) 2023-12-29T02:42Z [--] followers, [----] engagements "Conclusion ICICI Lombard policy doesn't have the best features in the market. But the features as also better than most other policies. Given the strict nature of ICICI Lombard on underwriting. One must first try to get other comprehensive policies with better features" [X Link](https://x.com/NIKHILLJHA/status/1740563848627998950) 2023-12-29T02:42Z 10.2K followers, [----] engagements "🚨Webinar Alert this weekend A complete in-depth webinar on "How to go buy health insurance" In-depth 2-3 hour webinar we will do covering 🩺A comprehensive checklist on how to buy health insurance 🩺What should be an optimal cover 🩺How to choose an insurer 🩺What should heart patients diabetics and cancer patients really do 🩺Do u have a corporate cover Should you buy a personal health insurance cover 🩺What to do if claims are rejected 🩺How should senior citizens go about buying health insurance and much more Date:-Sunday7th January Time-4PM Duration-2-3 hours Link👇" [X Link](https://x.com/NIKHILLJHA/status/1741767534498689399) 2024-01-01T10:25Z 10.3K followers, [----] engagements "🚨Room rent limit and Star Health insurance Almost all Star Health policies come with a room rent limit(for lower sum insured of upto 50L) One of the major problems in lower sum insured Room rent limit can massively limit ur claims" [X Link](https://x.com/NIKHILLJHA/status/1742061224966389766) 2024-01-02T05:52Z 10.2K followers, 22.1K engagements "For all those complaining the health insurance premiums are high👇 " " The health insurance premium is not even 1% of ur hospital bill" [X Link](https://x.com/anyuser/status/1742791956139503663) 2024-01-04T06:15Z [--] followers, [----] engagements "@Soorajapawar @Skh27 Maternitydental and global coverage in one policy And in niva that policy is too costly" [X Link](https://x.com/NIKHILLJHA/status/1743143435585134835) 2024-01-05T05:32Z 10.2K followers, [---] engagements "@Skh27 @mayank076 @Soorajapawar Tata is having only one good policy and that is medicare premier so itna toh pata hi hai sir" [X Link](https://x.com/NIKHILLJHA/status/1743144139947217333) 2024-01-05T05:35Z 10.3K followers, [---] engagements "Still waiting for pre-authorisation for the cashless claims from the insurer They had raised a query but we answered them Still no approval.6 hours gone already My father just got admitted to a hospital for a critical illness Everything happened so suddenly Praying he gets well soon I have a policy with a leading private insurer Since I knew how the documentation work needed to be done did everything from my end Now hoping for a My father just got admitted to a hospital for a critical illness Everything happened so suddenly Praying he gets well soon I have a policy with a leading private" [X Link](https://x.com/NIKHILLJHA/status/1743279425385537995) 2024-01-05T14:32Z 28.7K followers, 41.9K engagements "It is tough to get approval in non working hours But your prayers and some high contacts worked Got the pre authorisation from the company Dad is admitted and surgery will be tomorrow Still waiting for pre-authorisation for the cashless claims from the insurer They had raised a query but we answered them Still no approval.6 hours gone already Still waiting for pre-authorisation for the cashless claims from the insurer They had raised a query but we answered them Still no approval.6 hours gone already" [X Link](https://x.com/anyuser/status/1743309238016061465) 2024-01-05T16:31Z [--] followers, [----] engagements "THANK YOU SO MUCH EVERYONE FOR KIND WISHES. MEANS A LOT TO ME. YOUR BLESSING MADE ME STRONG IN THIS CRUCIAL TIME. THANK YOU EVERYBODY. 🩵🩵🩵" [X Link](https://x.com/NIKHILLJHA/status/1743312052259782717) 2024-01-05T16:42Z [---] followers, 15K engagements "@danielrao007 No" [X Link](https://x.com/NIKHILLJHA/status/1743314381197492647) 2024-01-05T16:51Z 10.2K followers, [---] engagements "@Investor_Repost Good now" [X Link](https://x.com/NIKHILLJHA/status/1743456653981479204) 2024-01-06T02:17Z 10.3K followers, [--] engagements "At hospital. Found [--] more people struggling for final settlement as no one is there to push for final settlement and policy tqken via direct or online mode the reason why we advise to get a advisor so he can take help via company employee directly They where struggling and i helped him .Till now one got settlement with the help of company staff got cleared in [--] minutes Indias health insurance system is very weak. Hope this time taking process reduce after all impaneled as per IRDA Guidelines" [X Link](https://x.com/NIKHILLJHA/status/1743524016357601524) 2024-01-06T06:44Z 16.8K followers, 64.8K engagements "India's healthcare scenario:- India's medical inflation is at a massive 14% Effectively A 10L cover today will be a 5L cover [--] years from now🤯🤯" [X Link](https://x.com/NIKHILLJHA/status/1743618332681445458) 2024-01-06T12:59Z [----] followers, 10K engagements "People think A single Private AC room is enough for a room rent My father had to be admitted to a super-deluxe room The average room rent was Rs [----] higher than a Single Ac room If I had a policy with a room rent limit My claim would have been massively limited Thankfully there is not room rent limit in my policy Most of the claim will be paid the insurer" [X Link](https://x.com/anyuser/status/1743645971601576174) 2024-01-06T14:49Z [--] followers, 54.5K engagements "@randomuser897 Mene nahi kaha kisko ki join the webinar then only i will disclose my policy bhai kal bhi me nhi bata rha hu konsa mera policy hai policy is very personal differs from individual to individual" [X Link](https://x.com/NIKHILLJHA/status/1743677798827557075) 2024-01-06T16:55Z 10.3K followers, [---] engagements "With the help of prayers of all my Twitter family My father has been discharged after a successful surgery for tumour removal He has been discharged due to a healthy recovery The total claim was for [------] We paid only Rs [---] from our own pocket The entire bill was paid by the insurer That is the power of health insurance It can really help you in a tough time I always say to everyone "Health insurance sahi hai"" [X Link](https://x.com/NIKHILLJHA/status/1744324364835999989) 2024-01-08T11:45Z 10.3K followers, 65.5K engagements "🚨It is a myth that PSU insurers give easy claims Just talked to a follower The PSU insurer rejected the pre and post-hospitalisation bill claim Reason:- The claim was made [--] days after incurring the costs. This is not in the window of the claim period My take:- When a person is illhe cannot have the time to fill out an insurance claim. This person took [--] months to recover from his disease The insurer is really unreasonable. There is no reason why this legitimate claim should not be paid Its a myth that PSU insurers don't have any hindrance in claims" [X Link](https://x.com/NIKHILLJHA/status/1744342821858095611) 2024-01-08T12:58Z 10.3K followers, 19.5K engagements "@aaa_iitb1 No if ur claims is genuine then they pays . i have seen single claim passed of [--] lakhs" [X Link](https://x.com/NIKHILLJHA/status/1744369506133123237) 2024-01-08T14:44Z 10.2K followers, [----] engagements "Not promoting any company or any product finding just name is not enough if u find the name u studied and then u itself hospitalised then who will service u I dont ask anybody to take policy through me i do consult and if you have your advisor then go with that Trying to spread awareness just want everyone to know hiw i works is in the below snap better to stop judging and take my consultation advice and get urself the policy name " [X Link](https://x.com/anyuser/status/1744411807065002326) 2024-01-08T17:32Z [--] followers, [----] engagements "Starting tomorrow We start a new series Health Insurance Policy Comparison Series Here we will take two policies at a time to compare the features of each policy with other. No recommendation for any policy Just pure comparison to help our retail audience If you want a comparison of any specific policy do comment here👇" [X Link](https://x.com/NIKHILLJHA/status/1746381870030553500) 2024-01-14T04:00Z 10.2K followers, 62.7K engagements "@iPankajKhanna As per the latest conversation it will be removed soon" [X Link](https://x.com/anyuser/status/1746743546441511247) 2024-01-15T03:58Z [--] followers, [----] engagements "3) Any Drinking smoking tobacco and pan gutka etc Any member who is consuming or consumed in past one should declare that as because of that one should develop any disease. For example: if any member is consuming more alcohol like ( Kabir singh) it is more likely to get into liver or kidney failure. So you should declare from how many years and how much quantity you are consuming It can impact on several loading will be imposed or even policy will be rejected if consuming harshly" [X Link](https://x.com/NIKHILLJHA/status/1747487513416257766) 2024-01-17T05:14Z 10.2K followers, [----] engagements "🚨 Bank-based group health insurance policies:- Just talked to a follower He bought a Health insurance policy sold by a PSU Bank for his mother and father The premium was low. In the merger of PSU Banks The policy got terminated His father has had an angioplasty done together with a whole host of medical conditions. The group policy brought from the bank did not offer a guarantee of life renewal. Now his [--] year old father is left with no health insurance policy. No new policy can be issued considering his medical conditions. Lesson:- Bank-based health insurance policies may look cheap But" [X Link](https://x.com/NIKHILLJHA/status/1747553600782688306) 2024-01-17T09:37Z [----] followers, 17.8K engagements "Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇" [X Link](https://x.com/NIKHILLJHA/status/1747572236029202864) 2024-01-17T10:51Z 10.2K followers, 54.1K engagements "@HarshaPJ Yes.but porting will entail underwriting again if u have a serious diseases.then no need to port" [X Link](https://x.com/anyuser/status/1747580750004932782) 2024-01-17T11:24Z [--] followers, [---] engagements "@AnkitGoelVlogs @skpro19 From tata hdfc niva" [X Link](https://x.com/anyuser/status/1747624559879102540) 2024-01-17T14:18Z [--] followers, [--] engagements "🚨Health Insurance Comparison Series-Episode [--] HDFC Ergo Optima Secure vs Care Supreme 🩺Optima Secure comes with a unique feature of 2x cover from Day [--] 🩺Care Supreme comes with a unique feature of 5x increase in cover Here is a comparison of both products👇" [X Link](https://x.com/NIKHILLJHA/status/1747819324197486669) 2024-01-18T03:12Z 24.5K followers, 87.1K engagements "We Indians are one hospitalization bill away from poverty Medical insurance is not a luxury.it is a necessity Here is a perfect example👇" [X Link](https://x.com/NIKHILLJHA/status/1747856448544252025) 2024-01-18T05:40Z 10.2K followers, 17.5K engagements "🚨Health Insurance Comparison Series-Episode [--] Tata AIG Medicare vs Star Comprehensive 🩺Tata Medicare comes with a unique feature of global cover(if the diagnosis is in India) 🩺Star Comprehensive covers maternity and Out Patient Department(OPD) expenses Both products do not come with an unlimited no of restores and have some limitations as compared to other comprehensive policies Here is a comparison of both products👇" [X Link](https://x.com/NIKHILLJHA/status/1748571251608780942) 2024-01-20T05:00Z 28.7K followers, 70.2K engagements "🚨Health Insurance Comparison Series-Episode [--] Senior Citizen Policy Niva Bupa Senior First vs Star Red Carpet policy 🩺Star Red Carpet comes with a very low premium but compromises on policy conditions severely 🩺Niva Bupa senior first comes with a unique feature of an unlimited no of restores in a senior citizen policy. Here is a detailed comparison of both products👇" [X Link](https://x.com/NIKHILLJHA/status/1748927991516901758) 2024-01-21T04:38Z 23K followers, 37.2K engagements "10. Pre-existing diseases Most senior citizens would have some sort of pre existing disease while buying a new policy. Waiting period for these policies can range from 1-4 years Insurer may also load the premium depending on the nature of the disease. Therefore one must be careful while buying a new policy" [X Link](https://x.com/NIKHILLJHA/status/1749287075323785224) 2024-01-22T04:25Z 10.2K followers, [---] engagements "Which insurers offer these policies Most insurers offer these policies:- 🩺Niva Bupa 🩺HDFC Ergo 🩺ICICI Lombard 🩺Star Health" [X Link](https://x.com/NIKHILLJHA/status/1749287077873864727) 2024-01-22T04:25Z 10.3K followers, [---] engagements "In such cases you can shift your policy to another policy with the same insurer or you can move it to a policy with a different insurer altogether. This can be done by porting your existing policy" [X Link](https://x.com/anyuser/status/1749614144746295556) 2024-01-23T02:04Z [--] followers, [---] engagements "For example:- Mr X has an insurance policy with Star Health which has a co-pay of 20% He finds HDFC Ergo has a policy with no co-pay The premium is affordable for Mr X. He can port his existing policy from Star health to HDFC ergo" [X Link](https://x.com/NIKHILLJHA/status/1749614147464221058) 2024-01-23T02:04Z 10.2K followers, [---] engagements "When to port a policy One must carefully read the terms/conditions of the existing policy. If the policy is a comprehensive policy there is no need to change. If there is a better policy with superior terms available at an affordable premium Then one can consider changing" [X Link](https://x.com/NIKHILLJHA/status/1749614166510543069) 2024-01-23T02:04Z 10.2K followers, [---] engagements "So many agents port health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process" [X Link](https://x.com/NIKHILLJHA/status/1749614170520367172) 2024-01-23T02:04Z 10.2K followers, [---] engagements "During underwriting If u are diagnosed with lifestyle diseases like hypertension or diabetes the insurer can load the premium. There can be other complications as well which arise from frequent porting of policies" [X Link](https://x.com/NIKHILLJHA/status/1749614174295171301) 2024-01-23T02:05Z 10.2K followers, [---] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@NIKHILLJHA Nikhil Jha
Nikhil Jha posts on X about insurance, health, india, life insurance the most. They currently have [-------] followers and [----] posts still getting attention that total [------] engagements in the last [--] hours.
Engagements: [------] #
- [--] Week [-------] -0.24%
- [--] Month [---------] +107%
- [--] Months [---------] -9.50%
- [--] Year [----------] -19%
Mentions: [--] #
- [--] Week [--] -8%
- [--] Month [---] +2.70%
- [--] Months [---] -9.30%
- [--] Year [-----] -10%
Followers: [-------] #
- [--] Week [------] +0.29%
- [--] Month [------] +1.50%
- [--] Months [------] +15%
- [--] Year [------] +39%
CreatorRank: [-------] #
Social Influence
Social category influence finance #6262 countries technology brands social networks stocks currencies products automotive brands celebrities formula 1
Social topic influence insurance #86, health #822, india, life insurance, ergo, money, inflation #2852, if you, mega, in the
Top accounts mentioned or mentioned by @nivabupa @adityadshah @careinsurancein @starhealthins @beshakin @hdfcergogic @joinditto @jphilips @livemint @drprashantmish6 @icicilombard @imtruesikh @irdaindia @policybazaar @definate @jatwanisuraj @piyushsharma @equitycrux @marketmaker369 @mohfwindia
Top assets mentioned Ergo (ERG) Cigna Corp (CI) Lombard (BARD)
Top Social Posts
Top posts by engagements in the last [--] hours
"HOW ROOM RENT WORKS . The room rent limit in health insurance refers to the maximum amount that an insurance policy will cover for the cost of a hospital room or accommodation during a hospital stay. This limit can vary significantly depending on the specific health insurance policy you have. Some policies have a fixed daily or monthly limit for room rent while others may have a percentage-based limit No room rent limit It's essential to review your health insurance policy documents or contact your insurance provider to understand the room rent limit and how it applies to your coverage."
X Link 2023-09-15T12:08Z [----] followers, [----] engagements
"What is the restoration or Reassurance Benefit of health insurance It means the sum assured gets resorted back up to the sum insured as soon as it gets exhausted after a claim. This means in a year If X has 10L sum assured and he uses 10L for the treatment of diseases A He can again use 10L for treatment of the same or different disease during the same year So effectively he is claiming up to 20L within the sum assured of 10L The massive advantage of the restore benefit is that it can be used multiple times over the year. This can be particularly helpful in family floater policies where there"
X Link 2023-09-27T04:53Z 29.9K followers, 23.9K engagements
"What is Co-pay in health insurance Co-pay (co-payment) in health insurance is the percentage of the claim amount that the policyholder has to pay from their own pocket that is part payment between company and policy holder under a health insurance policy Generally companies have a co-payment clause of 20% What does this mean If you have a 20% co-pay clause Out of every Rs [--] lakh claim You will have to pay Rs [-----] from your own pocket The rest Rs [-----] will be paid by the insurer Why do insurance companies introduce co-pay IN order to lower the premium insurance companies introduce co-pay A"
X Link 2023-09-29T02:28Z [----] followers, 20.2K engagements
"What is SUB-LIMITS Sub-limits in health insurance refer to specific monetary caps or limits placed on certain medical expenses or treatments within a health insurance policy. These limits are usually set for particular services such surgery or diagnostic tests. For example your health insurance policy might have a sub-limit of 50k for per eye cataract surgery . If you choose a lens of cataract costs more than this limit you would need to pay the excess amount out of pocket. It's essential to read and understand the sub-limits in your health insurance policy as they can affect your coverage"
X Link 2023-09-30T03:06Z 10.2K followers, [----] engagements
"🚨Health Insurance Policy Renewal What is Grace Period and how does it work A grace period in health insurance is a specified period of time during which a policyholder can make a premium payment after the due date without their coverage being terminated. The length of the grace period and the specific rules associated with it can vary depending on the insurance company and the terms of the policy. Here's how it generally works: Timelines for renewal of ur health insurance policy👇 Due Date: Your health insurance premium is typically due on a specific date each month. Grace Period: If you"
X Link 2023-10-05T02:47Z 10.2K followers, [----] engagements
"Why health insurance is important 🚨🚨 Health insurance is important for several reasons: Financial Protection: Health insurance helps protect you from the high costs of medical care. Without insurance you may have to pay out-of-pocket for doctor visits hospital stays medications and surgeries which can be financially devastating in the event of a serious illness or injury. Access to Healthcare: Health insurance provides access to a network of healthcare providers ensuring you can receive necessary medical treatment when you need it. It encourages regular check-ups and preventive care which"
X Link 2023-10-06T03:40Z 10.4K followers, [----] engagements
"🚨Pre and Post hospitalization are very important covers in Health Insurance What is pre and post-hospitalization and why are they important Pre and post-hospitalization coverage refers to the benefits provided by an insurance policy that extends beyond the actual period of hospitalization. Here's what they typically entail👇: Pre-Hospitalization Coverage: This covers medical expenses incurred before hospitalization. When you're diagnosed with an illness or medical condition that ultimately requires hospitalization there are often several diagnostic tests consultations and medications"
X Link 2023-10-12T04:10Z 30.1K followers, 23.2K engagements
"🚨Health Insurance Should u buy an individual or family floater plan🤔🤔 Health insurance policies can be categorized into two main types: [--]. Individual health insurance [--]. Family floater health insurance. Individual Health Insurance: Individual health insurance is a policy that covers a single person. It provides health coverage to the policyholder for medical expenses hospitalization and other healthcare-related costs. The coverage is specific to the individual named in the policy. Premiums for individual health insurance are calculated based on the age medical history and other factors of"
X Link 2023-10-16T02:46Z [---] followers, [----] engagements
"🚨Health insurance and daycare procedure Does your health policy cover daycare treatment First of all What is daycare treatment🤔 In health insurance a daycare procedure refers to a medical treatment or surgical procedure that can be completed within a single day typically within a few hours without the need for an overnight hospital stay. These are often minor or minimally invasive procedures that do not require prolonged hospitalization. Common examples of daycare procedures covered by health insurance may include👇: 🩺Cataract surgery 🩺Endoscopy or colonoscopy 🩺Tonsillectomy"
X Link 2023-10-17T03:02Z [---] followers, [----] engagements
"🚨Room rent limit and associated deductions Sum insured=10 lacs Hospitalisation bill=6 lacs The insurer paid only [--] lac🤯🤯 Room rent can massively limit the claim paid by an insurer A thread🧵on what is room rent limit and how it could limit ur insurance claim Lets go👇"
X Link 2023-10-21T03:34Z [---] followers, 52.3K engagements
"The insurer will apply a proportionate deduction to the entire bill amount in proportion to the room rent limit. In case of Mr X will be eligible to only 25% claim under the policy. Sum Approved = (Room-rent approved / Room-rent Claimed) X Amount Claimed"
X Link 2023-10-21T03:34Z [----] followers, [----] engagements
"🚨Cataract and Health Insurance We have heard cases of Insurance companies not paying full cataract claims🤯🤯 Why is this so🤔🤔🤔 What can u do to get full cataract claims😆😆 Let's find out👇👇 What is a cataract A cataract is a clouding of the natural lens in the eye which can cause blurry vision difficulty seeing in low light and other vision problems. Cataracts often develop with age but can also be caused by factors like eye injury medications or medical conditions. Surgery is a common treatment to remove the cloudy lens and replace it with an artificial one to restore clear vision."
X Link 2023-10-22T04:02Z 31.3K followers, 10.5K engagements
"Health insurance is one the most complicated types of insurance Terms and conditions are very very complex Which health insurance policy should u buy A thread🧵on comprehensive health insurance policy & why u should buy the same Lets go👇"
X Link 2023-10-24T02:29Z [---] followers, 44.8K engagements
"As life goes on most people contract some disease or the other. Senior citizens find it extremely difficult to get a health insurance policy. A thread🧵on alternatives available for senior citizens to buy a health insurance policy Lets go👇"
X Link 2023-10-26T02:45Z [----] followers, 34.7K engagements
"Health Insurance At the time of buying the policy What is classified as a pre-existing disease What should you do if you have been diagnosed with a disease after buying the health policy Let's find out👇 What is a pre-existing disease A pre-existing disease is a medical condition that a person has before buying the policy This can include High blood pressure asthma diabetes thyroid etc. Any past hospitalization must also be declared to the insurer while buying the policy Any type of ongoing medication is also considered as pre-existing medication (pre-existing condition) Any past"
X Link 2023-10-28T01:50Z [---] followers, 16.4K engagements
"Happiest Birthday ❤. Wish you a manny manny happy returns of the day. The man who spread awareness knowledge and create a strong environment around. You are beautiful soul and kind person. God bless you with all the success in life. @AdityaD_Shah roxxx Keep spreading your knowledge"
X Link 2023-10-29T03:22Z [---] followers, [----] engagements
"🚨Super Top up in health insurance Super top-up is like a mobile recharge It increases ur sum assured over and above ur base health insurance policy What is this super top-up🤔🤔 A thread🧵on what is a super top-up plan and its benefits and limitations"
X Link 2023-10-31T06:58Z [----] followers, 28.7K engagements
"@holysatanic New India is having topup plan. Please contact customer care"
X Link 2023-10-31T07:36Z [---] followers, [--] engagements
"Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇"
X Link 2023-10-31T11:29Z 28.7K followers, 40.8K engagements
"Health Insurance Portability is a brilliant feature that lets u change health insurance providers/policies😁😁 What is health insurance portability🤔 When and how to use portability🤔 A thread🧵on each and every aspect of health insurance portability Lets go👇"
X Link 2023-11-02T02:29Z [----] followers, 19.3K engagements
"When to port a policy One must carefully read the terms/conditions of the existing policy. If the policy is a comprehensive policy there is no need to change. If there is a better policy with superior terms available at an affordable premium Then one can consider changing"
X Link 2023-11-02T02:29Z [---] followers, [---] engagements
"So many agents port health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process"
X Link 2023-11-02T02:29Z [---] followers, [---] engagements
"During underwriting If u are diagnosed with lifestyle diseases like hypertension or diabetes the insurer can load the premium. There can be other complications as well which arise from frequent porting of policies"
X Link 2023-11-02T02:29Z [---] followers, [---] engagements
"How to port a policy Step 1: Request portability from the new insurance provider at least [--] days before the current policy is set to expire. Step 2: When the request for portability is received the new insurer will offer a proposal a portability form"
X Link 2023-11-02T02:29Z [----] followers, [---] engagements
"Step 3: Once the new insurer receives all the relevant information they will evaluate your proposal. The underwriting team of the insurance company will assess your risk profile. Based on the underwriting the insurer will decide whether to accept or reject your application"
X Link 2023-11-02T02:29Z [----] followers, [---] engagements
"Things to check before porting [--]. Terms and conditions of the new policy [--]. Documents as required by the new insurer [--]. Is the Premium of the new policy affordable [--]. Quality of the service from the new insurer [--]. Provide complete and accurate disclosures"
X Link 2023-11-02T02:29Z 29.1K followers, [----] engagements
"I will try to write about common myths around health insurance What are the things that confuse you about health insurance Comment here and I will try to answer the questions👇"
X Link 2023-11-02T09:25Z [----] followers, 15.2K engagements
"🚨Claim Rejection In Health Insurance. So many people are surprised to have their claims rejected Why do claims get rejected🤔 What can you do so that your claim doesn't get rejected A thread🧵on major reasons & how to minimize the probability of claim rejection Lets go👇"
X Link 2023-11-03T02:20Z [----] followers, 25.3K engagements
"🚨What happens if you get diagnosed with a disease after you buy the health insurance policy🤔🤔🤔 If you are diagnosed with a disease after buying the policy The insurer will be liable to cover you from the onset of the disease(provided it is not under a waiting period) You have [--] choices [--]. You can disclose it to the insurer [--]. You don't disclose it to the insurer If you don't disclose it At the time of claims the insurer can ask you for the relevant paper trail of the disease and this can stress you during claims when your loved one is already suffering. So in the interest of smooth claims"
X Link 2023-11-03T10:35Z 28.7K followers, 16.7K engagements
"I have corporate health insurance of [--] Lakhs from my Office What is the need for personal health insurance So many people think this way But who will cover u when u retire A thread🧵on the features of a corporate cover & should be relying on a corporate cover Let's go👇"
X Link 2023-11-04T02:01Z [----] followers, 39.5K engagements
"@ArumallaSwaroop Have to review your condition please dm"
X Link 2023-11-04T02:14Z 29.1K followers, [---] engagements
"Will u buy an iPhoneOr will u buy health insurance Cost of an iPhone- Rs 100000/- Health insurance for a 30-year-old- Sum insured=10L+90L(super top up)=1cr Cost=Rs11000+Rs 898=Rs [-----] Yet so many people have an iPhone but don't have a health insurance policy Truly we Indians are just one hospital away from poverty"
X Link 2023-11-04T13:48Z [----] followers, 40.9K engagements
"A 1cr health cover for a 30-year-old can be built in a little over Rs [-----] A simple hack that can help u get u a 1cr cover 20-50% cheaper than a single policy What is a super top up A thread🧵 on how to optimally build a 1cr health insurance cover Let's go👇"
X Link 2023-11-05T02:12Z [----] followers, 54.3K engagements
"Which insurers offer these comprehensive policies Most insurers offer these policies:- 🩺Niva Bupa 🩺HDFC Ergo 🩺ICICI Lombard 🩺Star Health"
X Link 2023-11-05T02:12Z 29.9K followers, [----] engagements
"🚨Dengue/Pneumonia and Health Insurance Claim Rejection Have u had ur claim for dengue or pneumonia rejected by ur insurer Why do insurers reject these claims and what to do One of the most common claim rejection is for Dengue/Pneumonia/Fever Treatment for Dengue is covered by your health insurance However it is not covered under [--] circumstances:- [--]. If hospitalization is not justified. [--]. If standard treatment is not given in the hospital. A course of paracetamol will not be considered as a treatment. The claim is allowed only when hospitalization is necessary and treatment is given as per"
X Link 2023-11-06T02:45Z [----] followers, 21.1K engagements
"@honest_dolt No its not.u need someone to help u navigate the complexity"
X Link 2023-11-06T04:04Z 28.7K followers, [---] engagements
"Sum insured=25 lacs Hospital bill=5 lacs The insurer only paid [--] lacs This could easily happen to u Most health insurance policies have a room rent limit and a proportionate deduction hidden clause A thread🧵on what is room rent limit & how it could limit ur claim Lets go👇"
X Link 2023-11-06T07:32Z 10.2K followers, 38.8K engagements
"In the last [--] days I got nearly [---] DMs Tell me the health insurance policy name My humble request:- Knowing the health insurance policy name has no meaning. How u buy the policy is very very important Here is a checklist on how u should buy a health insurance policy👇 ✅How u buy the policy matters a lot. Get a good policy advisor No I don't have any hidden agenda. Health insurance is just so complex with so many hidden terms and conditions that insurers find innovative ways to reject your claim Have someone who will handhold you during claims. Having the right advisor can help u get the"
X Link 2023-11-06T11:10Z [----] followers, 18.1K engagements
"Premium for a 30-year-old10L cover Personal health insurance-Rs [-----] Group health insurance sold by banksJain community/ICAI-Rs [----] What are the features of group health insurance policies A thread🧵on group health insurance policies & should u buy them Let's go👇"
X Link 2023-11-07T02:14Z [----] followers, 17.6K engagements
"What is a group insurance policy A group insurance policy is a type of insurance that offers cover to a "group" of individuals with a common intent. Banks or certain communities like Jains offer these policies"
X Link 2023-11-07T02:14Z [----] followers, [---] engagements
"Group health insurance policies are based on the principle that the bank will find 100s of customers to enroll in these policy programs. Insurers are enticed by a surge in volumes Banks are lured by commission per se"
X Link 2023-11-07T02:14Z [----] followers, [---] engagements
"2. Waiver of medical checks One of the most attractive features is these policies generally waive the need for medical citizens Again this can be beneficial especially for Senior citizens"
X Link 2023-11-07T02:14Z [----] followers, [---] engagements
"3. Senior citizens can be enrolled Senior citizens generally due to the existence of some diseases or others find it difficult to get health insurance. Group policies are easier to get even for senior citizens"
X Link 2023-11-07T02:14Z [----] followers, [---] engagements
"Additionally there can be a surge in premiums if the insurer feels that the risk is too much for them"
X Link 2023-11-07T02:14Z [----] followers, [---] engagements
"The insurer reserves the right to withdraw the policy. The insurer can WITHDRAW the policy anytime he wants. This is unlike a individual health insurance policy where the insurer provides a guarantee of lifetime renewal"
X Link 2023-11-07T02:14Z [----] followers, [---] engagements
"🚨Some facts on health insurance Comprehensive policies are only available until the age of [--] years After that you need to move to senior citizen policies Any pre-existing disease like diabetes hypertension or asthma entails an increase in premium/loading of 10-25% If you are diagnosed with critical diseases like cancer hypertension and fatty liver then you will not get a good policy. Room rent limit and co-pay can lower the premium but will massively limit the claim an insurer pays Bank-based group policies/Jain community policies/ICAI policies do not offer a guarantee of lifetime renewal"
X Link 2023-11-07T06:41Z [----] followers, 19.9K engagements
"Health insurance policies come with 100s of variations & are very complicated🤯🤯 Which conditions should u keep in mind before buying a health insurance policy🤔🤔 Here is a comprehensive checklist of things you should check before buying a health insurance policy Lets go👇"
X Link 2023-11-08T01:24Z [----] followers, 31.9K engagements
"9. Hospital network Checking the network hospital for cashless claims is very very important. The higher the cashless network less the work better the claims experience. Therefore always check the network of hospitals"
X Link 2023-11-08T01:24Z [----] followers, [---] engagements
"Which insurers offer these policies Most insurers offer these policies:- 🩺Niva Bupa 🩺HDFC Ergo 🩺ICICI Lombard 🩺Star Health"
X Link 2023-11-08T01:24Z [----] followers, [---] engagements
"Buying a health insurance policy online is like Using Google to take medicine to treat an illness without consulting a doctor. U need experts to assist in complex problems like health insurance Only those who don't buy properly call health insurance a scam"
X Link 2023-11-08T12:43Z [----] followers, 13.3K engagements
"🚨Health insurance for Senior Citizens So many people DM me asking:- Please tell me about health insurance for my Senior Citizen parents I tell them the premium would be anywhere from Rs 30000-Rs [-----] Most of them think the premium is high If you think the premium is high Just look at the big hospitalization bill you may get for critical illnesses Compormise on luxuries of life But do not compromise on health insurance"
X Link 2023-11-10T11:22Z [----] followers, 25.7K engagements
"One of the most asked questions in health insurance Should i get 5L10L20L or 1cr cover🤔 How much cover is enough🤔🤔 A thread🧵on how much cover u should make and how should you make it Let's go👇"
X Link 2023-11-11T03:53Z [----] followers, 51.3K engagements
"Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇"
X Link 2023-11-11T11:43Z [----] followers, 19K engagements
"🚨Porting of health insurance So many agents port your health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process. During underwriting If u are diagnosed with lifestyle diseases like hypertension or diabetes the insurer can load the premium. There can be other complications as well which arise from frequent porting of policies You should only port your policy if You find a policy with better terms and"
X Link 2023-11-12T04:20Z [----] followers, 16.8K engagements
"🚨 iPhone or health insurance🤔🤔 Iphone 15=Rs [------] Health insurance for a 30-year old=Rs 12000(10L cover) Bus ek Zero ka hi farak hai😅😅 But When you get hospitalized:- The Iphone will not come and save u. Health insurance definitely will Before u buy luxuries(iPhone) Make sure you have the necessities of life(health insurance)"
X Link 2023-11-12T10:30Z [----] followers, [----] engagements
"@SureshK77282053 Coz the risk of claims is high"
X Link 2023-11-13T03:32Z [----] followers, [---] engagements
"🚨Is Health Insurance Decoded As @NIKHILLJHA wrote a superb thread on Senior Citizen Health insurance today Today at 9PM A blockbuster space we discuss with him We talk about Senior Citizens and health insurance premium rise 🩺How should senior citizens go about buying health insurance What should heart patients diabetics and cancer patients really do 🩺Why do health insurance premiums rise and much more"
X Link 2023-11-13T04:56Z [----] followers, [----] engagements
"🚨Premium rise in Health insurance My health insurance premium rose suddenly from Rs [-----] to Rs 30000🤯🤯 Why did this happen🧐 Does the premium rise after every claim🧐🧐 A thread🧵on why health insurance premiums rise and do premiums rise after claims Lets go👇"
X Link 2023-11-15T02:32Z [----] followers, 36.3K engagements
"Rise in Medical costs 🚨India's Healthcare Scenario:- 🩺India's medical inflation=14% 🩺Cost of treatment nearly doubles every [--] years 🩺A 10L cover today will be reduced to a 5L cover in [--] years time 🩺63% of the hospitalization bill is paid from the pocket"
X Link 2023-11-15T02:32Z 43.8K followers, [----] engagements
"How to port a policy Step 1: Request portability from the new insurance provider at least [--] days before the current policy is set to expire. Step 2: When the request for portability is received the new insurer will offer a proposal a portability form"
X Link 2023-11-16T02:23Z [----] followers, [---] engagements
"Step 3: Once the new insurer receives all the relevant information they will evaluate your proposal. The underwriting team of the insurance company will assess your risk profile. Based on the underwriting the insurer will decide whether to accept or reject your application"
X Link 2023-11-16T02:23Z [----] followers, [---] engagements
"What is the Checklist to buy Health insurance Here are the terms and conditions you need to watch for👇"
X Link 2023-11-21T03:13Z [----] followers, 109.1K engagements
"🚨Health Insurance for Senior Citizen A comprehensive checklist on how to go about buying policies for senior citizens 👇 Comment on the problems u face in buying health insurance for Senior Citizens. Will help"
X Link 2023-11-24T02:49Z [----] followers, 43.6K engagements
"@omrajpurohit_ Yes will doo"
X Link 2023-11-25T05:41Z [----] followers, [---] engagements
"Health insurance is a very complex type of insurance🤯🤯 From room rent limit to which policy to buy to policies for senior citizens I have written many threads simplifying health insurance😁😁 A thread🧵 of threads on all topics simplifying health insurance Lets go👇"
X Link 2023-11-26T02:26Z 13.1K followers, 104.7K engagements
""I have a health insurance policy from the office Why should I buy a personal health insurance" Do you think this way But buying a personal policy on top of your office policy can be vital in the long run Here is why👇"
X Link 2023-11-27T02:31Z [----] followers, 25.6K engagements
"On my mission to spread deep insights/awareness on health insurance We have reached a family of [----] followers today I want to thank my Twitter family for their continued support Hoping to share even better insights on health insurance Health insurance Sahi hai❤❤"
X Link 2023-11-27T06:29Z [----] followers, [----] engagements
"🚨Premium rise in Health insurance My health insurance premium rose suddenly from Rs [-----] to Rs 30000🤯🤯 Why did this happen🧐 Does the premium rise after every claim🧐🧐 Lets find out👇"
X Link 2023-11-30T02:53Z [----] followers, 15.1K engagements
"Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇"
X Link 2023-12-01T11:19Z [----] followers, 13.6K engagements
"@sagargarag @AdityaD_Shah 1) no as of now 2) mental means what"
X Link 2023-12-01T11:33Z [----] followers, [---] engagements
"How much does a 1cr health insurance cost A 30-year-old- 🩺Comprehensive policy- 🩺No Room Rent limit 🩺No co-pay 🩺No Sublimits on various diseases [--] Lakh cover Premium-Rs 12094/- Add a 90L super top-up Premium-Rs 898/- Total Cost-Rs 12992/- Premium will rise with age But enhanced cover will help in older age with increasing medical costs"
X Link 2023-12-01T11:40Z [----] followers, 11.5K engagements
"Health Insurance Portability is a brilliant feature that lets u change health insurance providers/policies😁😁 What is health insurance portability🤔 When and how to use portability🤔 So many agents port health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process"
X Link 2023-12-02T03:25Z [----] followers, 13.2K engagements
"🚨Health insurance is a very personal Experience So many people tell me:- I have had a good experience with XYZ insurer I want to buy only from XYZ insurer only I tell them This👇 [--] Different Families 🩺Same Insurer 🩺Same Policy 🩺Same Sum Insured The claim experience can be very very different One family can have a seamless claim experience While the other can have hassles with claims Your claims experience depends on:- [--]. Your disclosures on pre-existing diseases to the insurer [--]. Your policy conditions [--]. The type of diseases you are undergoing treatment for [--]. The Hospital u are being"
X Link 2023-12-03T09:29Z [----] followers, [----] engagements
"So what is the problem with these traditional policies Traditional policies offer sum assured that is nearly 10x of the premium paid. "Assured Sum" is a major attraction of these policies"
X Link 2023-12-04T02:34Z [----] followers, [---] engagements
"Poor returns:- As the graph clearly shows.very subpar returns of 5-6% on these policies. You would be better of with a Term plan and investing in index funds Source:Mint"
X Link 2023-12-04T02:34Z [----] followers, [---] engagements
"Health insurance policies come with 100s of variations & are very complicated🤯 Which conditions should u keep in mind before buying a health insurance policy🤔🤔 Here is a comprehensive checklist of things you should check before buying a health insurance policy Lets go👇"
X Link 2023-12-05T04:57Z [----] followers, 30.1K engagements
"9. Hospital network Checking the network hospital for cashless claims is very very important. The higher the cashless network less the work better the claims experience. Therefore always check the network of hospitals"
X Link 2023-12-05T04:57Z [----] followers, [---] engagements
"Which insurers offer these policies Most insurers offer these policies:- 🩺Niva Bupa 🩺HDFC Ergo 🩺ICICI Lombard 🩺Star Health"
X Link 2023-12-05T04:57Z [----] followers, [---] engagements
"Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY Health insurance is a NECESSITY not LUXURY"
X Link 2023-12-05T09:00Z [----] followers, 16.6K engagements
"@PRADEEPcaAADI @joinditto @HDFCERGOGIC Product name"
X Link 2023-12-05T11:46Z [----] followers, [--] engagements
"@rajeshjain155 @i_cdot @AdityaD_Shah @Niva_Bupa Sales guy knows how to sales but advisor knows how to sales and service one owns customers"
X Link 2023-12-06T04:51Z [----] followers, [--] engagements
"🚨India's Healthcare Scenario:- 🩺India's medical inflation=14% 🩺Cost of treatment nearly doubles every [--] years 🩺A 10L cover today will be reduced to a 5L cover in [--] years time 🩺63% of the hospitalization bill is paid from the pocket 🩺7% people pushed into poverty due to healthcare costs 🩺Heart Diseases are costly to treat 🩺Kidney diseases cost a fortune 🩺Cancer-related expenses can cost a bomb Think very very carefully and make a sufficient health insurance cover for a lifetime Optimize your premium but do not compromise on premium. Build a good comprehensive cover"
X Link 2023-12-06T08:57Z [----] followers, 17.5K engagements
"Do you rely corporate coverage from ur employer for your parent's health insurance needs It is very very essential to buy a good personal policy before the age of [--] The premium may be high But the hospital bill will be even higher Here are alternatives available for senior citizens to buy a health insurance policy👇"
X Link 2023-12-09T02:52Z [----] followers, 16.7K engagements
"@sharonraj134 Niva bupa Star health HDFC ergo"
X Link 2023-12-09T11:47Z [----] followers, [---] engagements
"@TheProf28041764 comprehensive policy from HDFC Ergo Niva Bupa ICICI Lomabard Buy it thru an agent"
X Link 2023-12-09T13:55Z [----] followers, [---] engagements
"Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇"
X Link 2023-12-09T13:58Z [----] followers, 21.6K engagements
"Insurance Analyser Series-Episode [--] Niva Bupa Reassure [---] Premium doesn't rise in a Health insurance policy🤯 This policy has a unique feature of not increasing the premium until u make the first claim A thread🧵 analyzing the features of Niva Bupa Reassure [---] Lets go👇"
X Link 2023-12-10T02:33Z 31.2K followers, 207K engagements
"Niva Bupa launched Re-Assure in October [----] They have now come up with some new features under the brand Niva Bupa Reassure [---] Lets find out the features of the policy👇"
X Link 2023-12-10T02:33Z [----] followers, [----] engagements
"Niva Bupa Reassure comes in [--] Variants 🏥Bronze+ 🏥Titanium+ 🏥Platinum+ Bronze is the base version and the cheapest policy. Titanium and Platinum plans come with Lock the clock feature"
X Link 2023-12-10T02:33Z [----] followers, [----] engagements
"E.g. If u buy the policy at [--] years u will keep paying the premium applicable for a [--] year old at each renewal till a claim is paid in the policy. Post the claim is paid the premium charged will be as per your current age & will continue to change as per the age slabs"
X Link 2023-12-10T02:33Z [----] followers, [----] engagements
"2. No Room Rent Limit:- The Niva Bupa ReAssure [---] plan does not come with any room rent limit for in-patient hospitalization or ICU admission. 🏥60 days before hospitalisation 🏥180 days post hospitalisation is covered"
X Link 2023-12-10T02:33Z [----] followers, [----] engagements
"6.Upto 30% discount on the renewal premium on the basis of step count"
X Link 2023-12-10T02:33Z [----] followers, [----] engagements
"7. Optional Benefits like 🏥Hospital Cash 🏥Safegaurd 🏥Safegaurd+ Benefits help u insure again non payable items and consumables"
X Link 2023-12-10T02:33Z [----] followers, [----] engagements
"8. No Maternity Benefits f youre hospitalized during childbirth then you may have to incur significant costs during delivery of your newborn child care and other related matters during the course of the hospitalization. Niva Bupa Reassure will not cover this cost"
X Link 2023-12-10T02:33Z [----] followers, [----] engagements
"10. Premium For a [--] Lakhs claim For a [--] year old:- The premium is Rs10294 for the base Niva Reassure [---] The premium increase as u opt for top versions But as features keep increasing the quality of the policy inceases"
X Link 2023-12-10T02:33Z [----] followers, [----] engagements
"Conclusion:- 🏥Reassure is a good product from Niva Bupa 🏥Lock the clock feature is an excellent feature 🏥Safegard feature is yet another good product 🏥Hospital coverage for Niva Bupa needs to increase with time"
X Link 2023-12-10T02:33Z 28.7K followers, 10.4K engagements
"Keep following me -@NIKHILLJHA as I write daily to make you aware around: 📈Health Insurance Go to my profile and hit the bell icon🔔to always stay updated"
X Link 2023-12-10T02:33Z 21.3K followers, [----] engagements
"🚨Is Health Insurance a Scam After receiving so many requests Today at 9PM we will do a comprehensive space Why do so many people think health insurance is a scam🧐🤔 🩺What should heart patients diabetics and cancer patients really do 🩺Do u have a corporate cover Should you buy a personal health insurance cover 🩺What to do if claims are rejected 🩺How should senior citizens go about buying health insurance and much more Please leave ur questions in the comment section and we will take them up 📆Today9PM on Twitter Spaces"
X Link 2023-12-10T07:32Z [----] followers, 14.9K engagements
"Do u have a health insurance cover If no why don't u have a cover It yes how big is Ur cover"
X Link 2023-12-11T12:25Z [----] followers, [----] engagements
"Insurance Analyser Series-Episode [--] HDFC Ergo Optima Secure The Policy comes with a feature of increasing cover by 4x at no additional cost It also provides 2x cover from day [--] A thread🧵on the features of HDFC Ergo Optime Secure Lets go👇"
X Link 2023-12-12T02:24Z 10.4K followers, 112.7K engagements
"2. Copay:- The policy does not have any co-pay. Entire bill will be picked up by the insurer"
X Link 2023-12-12T02:24Z [----] followers, [----] engagements
"3. Hospital Coverage:- HDFC Ergo covers a wide range of [-----] hospitals"
X Link 2023-12-12T02:24Z [----] followers, [----] engagements
"7.Protect Benefit:- During hospitalisation his non-medical expenses that add up to 10-20% of the total bill amount also get covered by Protect Benefit Consumables get covered under this clause"
X Link 2023-12-12T02:24Z [----] followers, [----] engagements
"8. No Maternity Benefits If youre hospitalized during childbirth then you may have to incur significant costs during delivery of your newborn child care and other related matters during the course of the hospitalization. HDFC Ergo Optima Secure does not cover it"
X Link 2023-12-12T02:24Z [----] followers, [----] engagements
"12. Preventive Health Check up For a 10L cover On a individual policy test worth Rs [----] are available In a floater policy test worth Rs [----] are available"
X Link 2023-12-12T02:24Z [----] followers, [----] engagements
"Premium:- For a 30year old 10L cover Optima Restore premium is Rs [-----] Similar policies are available from other companies at Rs [-----] Therefore the premium is on the higher side as always with HDFC Ergo"
X Link 2023-12-12T02:24Z [----] followers, [----] engagements
"@RahulRa81251251 Hdfc ergo"
X Link 2023-12-12T08:52Z [----] followers, [--] engagements
"The best advisors simplify health insurance The space we did [--] days ago simplified almost everything Difference b/w sellers and people with real knwledge"
X Link 2023-12-12T14:48Z [----] followers, [----] engagements
"@hsammi Will do"
X Link 2023-12-12T15:51Z [----] followers, [---] engagements
"@skykamdi Optima restore : with protector rider the rider comes with inflation thing"
X Link 2023-12-12T16:02Z [----] followers, [--] engagements
"@yashsirodariya Hdfc niva icici and tata is better"
X Link 2023-12-12T17:16Z [----] followers, [--] engagements
"8. Preventive Medical Tests:- For a 10L individual policy it allows only tests of Rs 3000/year. This is very low"
X Link 2023-12-13T03:09Z [----] followers, [----] engagements
"@jatwanisuraj @Niva_Bupa @Bupa Where is ur agent Was this diagnosed after buying the policy"
X Link 2023-12-13T10:23Z [----] followers, [--] engagements
"@jatwanisuraj @Niva_Bupa @Bupa U should never buy direct Now nobody will listen to u"
X Link 2023-12-13T15:17Z [----] followers, [--] engagements
"Insurance Analyser series-Episode [--] Tata AIG Medicare This policy from the house of Tatas provides a Global health care cover🤯🤯 A thread🧵on the features of Tata Medicare Lets go👇"
X Link 2023-12-15T04:03Z 10.2K followers, 59.2K engagements
"2. Care supreme"
X Link 2023-12-15T10:39Z [----] followers, [----] engagements
"3 HDFC Ergo optima Secure"
X Link 2023-12-15T10:39Z [----] followers, [---] engagements
"Insurance Analyser Episode [--] Niva Bupa just launched a new policy "Aspire" The policy comes with Maternity Benefit and a Global Health cover🤯 The policy also cover doctor consultation under Out Patient Department(OPD) A thread🧵on the features of Niva Bupa Aspire Lets go👇"
X Link 2023-12-17T03:31Z [----] followers, 105.7K engagements
"Niva Bupa Aspire comes in [--] Variants 🏥Gold+ 🏥Diamond+ 🏥Titanium+ 🏥Platinum+ Gold is the base version and the cheapest policy. DiamondTitanium and Platinum plans come with Lock the clock feature"
X Link 2023-12-17T03:31Z [----] followers, [----] engagements
"5. Booster Benefit Unutilized Base Sum Insured carries forward. Maximum it will accumulate up to 3/5/10 times (based on the plan you have chosen) of the Base Sum Insured"
X Link 2023-12-17T03:31Z [----] followers, [----] engagements
"For eg:- If you have chosen Base Sum Insured of INR [--] lakh and Titanium+ Variant then at the end of [--] years (if you have made no claims in these years) you will have [----] Crore Sum Insured (that is [--] Lakh base + [--] Crore Booster+)"
X Link 2023-12-17T03:31Z [----] followers, [----] engagements
"12. Cash-Bag benefit Accumulate cashback on every claim free year in your Cash-Bag. Use it to pay for premiums deductible co-payment and OPD. 10% of 1st renewal premium and 5% of every subsequent renewal premium"
X Link 2023-12-17T03:31Z [----] followers, [----] engagements
"Premium For a [--] Lakhs claim For a [--] year old:- The premium is Rs13000 for the top Aspire version The premium increase as u opt for top versions But as features keep increasing the quality of the policy increases"
X Link 2023-12-17T03:31Z [----] followers, [----] engagements
"Conclusion:- 🏥Aspire is a good product from Niva Bupa 🏥Covers like maternity global cover and booster benefit set it apart 🏥There are no sublimit anywhere which is really good. This policy should be considered by young people for sure"
X Link 2023-12-17T03:31Z [----] followers, [----] engagements
"@AwesomeAP6 Yes sum insured wise"
X Link 2023-12-17T08:34Z [----] followers, [---] engagements
"@pathakajay31 MAx bupa has been renamed to niva bupa"
X Link 2023-12-17T10:13Z [----] followers, [---] engagements
"Health Insurance Analyser Series Episode [--] Senior Citizen Plans HDFC Ergo Myhealth Suraksha This policy offers entry at any age and the premiums do not rise after [--] years🤯 A thread🧵on the features of HDFC ergo my health Suraksha Lets go👇"
X Link 2023-12-18T02:48Z 10.4K followers, 56.9K engagements
"Why do i say PSU companies policies don't have great policy conditions 🩺All policies below [--] lakhs come with a room rent limit(room rent and proportionate deductions can be really bad) 🩺They do not have any restoration benefit(which is vital for critical illness like cancer) 🩺No claim bonus is also really low 🩺For a lot of companies big covers of 1cr are not available 🩺Consumables cover rider is not available in many cases. At the end of the day it is not about PSU or Private health insurance Its about which policy 🩺which has good policy conditions 🩺has swift claim settlement"
X Link 2023-12-18T07:42Z [----] followers, 11.1K engagements
"@rnyaiims Every porting entails fresh underwriting"
X Link 2023-12-18T14:07Z [----] followers, [---] engagements
"You can recoup the entire extra premium paid on a comprehensive policy in one claim On a [--] L claim Star Red Carpet will only pay 4L A comprehensive policy with no restriction could end up paying 7L to 9L Thereby negating the premium savings"
X Link 2023-12-19T01:56Z [----] followers, [----] engagements
"🩺Claim Settlement Star's track record on claim rejection also must be clearly monitored. There have been many instances of Claim rejection. Recently hospital association in Ahmedabad called on Star to ensure a smooth claim settlement"
X Link 2023-12-19T01:56Z [----] followers, [----] engagements
"Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily Do Not Port Health insurance un-necessarily"
X Link 2023-12-19T07:27Z [----] followers, 14.5K engagements
"Health Insurance Analyser Series-Episode [--] Senior Citizen Policy Niva Bupa Senior First Policy A senior citizen policy which is very close to a comprehensive policy This policy comes with unlimited no of restores A thread🧵analyzing the features of Niva Senior First Policy Lets go👇"
X Link 2023-12-20T02:16Z [----] followers, 33.1K engagements
"Premium For a [--] year old For a 10L sum insured without co-pau the premium is Rs [-----] This is certainly not cheap"
X Link 2023-12-20T02:16Z [----] followers, [---] engagements
"Conclusion:- In the Senior Citizen policy.Niva Bupa Senior First policy comes with 🩺Has unlimited number of restores 🩺No copayment 🩺Single private room It is a good option for senior citizens after 65"
X Link 2023-12-20T02:16Z [----] followers, [----] engagements
"🚨Porting of Health Insurance Insurers are rejecting claims on Ported policies due to material nondisclosure of pre-existing diseases at the time of porting This is becoming a serious problem A thread🧵with a comprehensive checklist of things to follow before porting Lets go👇"
X Link 2023-12-20T12:16Z [----] followers, 31K engagements
"So what are the things to keep in mind before porting the policy [--]. Why are u Porting One must carefully read the terms/conditions of the existing policy. If the policy is a comprehensive policy there is no need to change. If there is a better policy with superior terms available at an affordable premium Then one can consider changing"
X Link 2023-12-20T12:16Z [----] followers, [----] engagements
"So many agents port health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process"
X Link 2023-12-20T12:16Z [----] followers, [----] engagements
"During underwriting If u are diagnosed with lifestyle diseases like hypertension or diabetes the insurer can load the premium. There can be other complications as well which arise from frequent porting of policies"
X Link 2023-12-20T12:16Z [----] followers, [----] engagements
"2. Disclose all pre existing diseases at the time of porting very clearly. All porting entails underwriting again. In fact the insurer will be even more cautious in underwriting as all waiting periods are now waived"
X Link 2023-12-20T12:16Z [----] followers, [---] engagements
"How to port a policy Step 1: Request portability from the new insurance provider at least [--] days before the current policy is set to expire. Step 2: When the request for portability is received the new insurer will offer a proposal a portability form"
X Link 2023-12-20T12:16Z 10.2K followers, [---] engagements
"Step 3: Once the new insurer receives all the relevant information they will evaluate your proposal. The underwriting team of the insurance company will assess your risk profile. Based on the underwriting the insurer will decide whether to accept or reject your application"
X Link 2023-12-20T12:16Z [----] followers, [---] engagements
"Do u have senior-age parents who don't have health insurance Here is a comprehensive checklist on how to buy health insurance for health insurance Yes the premium will not be cheap But the hospital bill will be even more expensive"
X Link 2023-12-21T01:17Z [----] followers, 63.8K engagements
"@2Hyd04Jai And what you will do in case of company stop to add this next year or you switch or you start you business"
X Link 2023-12-21T03:35Z [----] followers, [--] engagements
"@2Hyd04Jai And in case of cancer or something critical like that where every immunotherapy cost [--] lakhs then how much liquid cash you keep even ambani is also having health insurance"
X Link 2023-12-21T08:43Z [----] followers, [--] engagements
"🚨Cost of Health Insurance in India How much does a 1cr HEALTH INSURANCE cover cost A 1cr cover is essential to fight critical illnesses like cancer 🩺For a [--] year year old 1cr cover can be built for Rs [-----] 🩺For a [--] year old 1cr cover can be built for Rs 35000-Rs47000"
X Link 2023-12-22T02:36Z [----] followers, 44.3K engagements
"@kj35000 Many insurers Hdfc Niva Icici Star"
X Link 2023-12-22T03:34Z [----] followers, [---] engagements
"@zhaphod @AdityaD_Shah Many from Hdfc Niva Icici"
X Link 2023-12-23T03:33Z [----] followers, [---] engagements
"Health insurance is so complex That after so many years in the industry Even I get surprised by how companies treat no Illness and treatment And people think they don't need advisors to help them. If u don't do things correctly in health surpirse U will be surprised by claim rejection/part claim payments"
X Link 2023-12-24T05:33Z [--] followers, 24.8K engagements
"🚨Do u have sufficient health insurance coverage Here is the cost of treating various illnesses today👇 Cost of treating cancer:- Rs30-50Lakhs Cost of treating a heart disease Rs 10-25 Lakhs Cost of treating a kidney disease Rs10-30 Lakhs with recurring costs for dialysis These costs are rising by 14% annually How is a 5L or a 10L cover sufficient even today Let alone the future Worry about being underinsured"
X Link 2023-12-24T10:39Z 28.7K followers, 35.3K engagements
"@SUMANTH30551674 1cr"
X Link 2023-12-24T10:48Z [----] followers, [----] engagements
"Health insurance is one of the most complex insurance From terms and conditions on buying to claim rejection there are so many questions unanswered Ask me Anything(AMA) on health insurance for the next [--] minutes Ask here👇"
X Link 2023-12-24T12:56Z [--] followers, 49K engagements
"@shekhar62171 Hdfc maax niva"
X Link 2023-12-24T13:28Z [----] followers, [---] engagements
"🚨Super top-up health insurance plan So many people are confused about the Super top-up health insurance plan🤔🤔🤔 Here are some basic questions answered:- [--]. What is super top uo deductible It is the amount only above which the super top is activated Super Top comes with a deductible of 5L or 10L So the first 5L or 10L will have to come from a base policy or from ur own pocket [--]. Super top-up is a completely different policy Yes it is a different policy altogether So u will need to undergo an underwriting process and a waiting period for existing disease will be applicable [--]. Can u buy a"
X Link 2023-12-25T10:41Z 10.2K followers, 25.1K engagements
"Insurance Analyser Series Episode [--] PSU Insurers PSU insurers lack severely in policy conditions United India Medicare Room rent limit and no restoration severely hamper the quality of the policy A thread🧵on the features of United India Medicare policy Lets go👇"
X Link 2023-12-28T03:23Z [--] followers, 23K engagements
"1. Niva Bupa Reassure [---] Insurance Analyser Series-Episode [--] Niva Bupa Reassure [---] Premium doesn't rise in a Health insurance policy🤯 This policy has a unique feature of not increasing the premium until u make the first claim A thread🧵 analyzing the features of Niva Bupa Reassure [---] Lets go👇 https://t.co/fVBOq4mchB Insurance Analyser Series-Episode [--] Niva Bupa Reassure [---] Premium doesn't rise in a Health insurance policy🤯 This policy has a unique feature of not increasing the premium until u make the first claim A thread🧵 analyzing the features of Niva Bupa Reassure [---] Lets go👇"
X Link 2023-12-28T09:57Z 10.2K followers, 24.7K engagements
"2. Care supreme Health Insurance Analyser Series-Episode [--] Care has been in the news for all the wrong reasons😒😒 Care Supreme policy enhances the sum assured by up to 500%.🤯🤯 A thread🧵on the features of the Care Supreme Policy Let's go👇 https://t.co/L6f2foSNNI Health Insurance Analyser Series-Episode [--] Care has been in the news for all the wrong reasons😒😒 Care Supreme policy enhances the sum assured by up to 500%.🤯🤯 A thread🧵on the features of the Care Supreme Policy Let's go👇 https://t.co/L6f2foSNNI"
X Link 2023-12-28T09:57Z 10.2K followers, 20.8K engagements
"3 HDFC Ergo optima Secure Insurance Analyser Series-Episode [--] HDFC Ergo Optima Secure The Policy comes with a feature of increasing cover by 4x at no additional cost It also provides 2x cover from day [--] A thread🧵on the features of HDFC Ergo Optime Secure Lets go👇 https://t.co/OsqcPJdMey Insurance Analyser Series-Episode [--] HDFC Ergo Optima Secure The Policy comes with a feature of increasing cover by 4x at no additional cost It also provides 2x cover from day [--] A thread🧵on the features of HDFC Ergo Optime Secure Lets go👇 https://t.co/OsqcPJdMey"
X Link 2023-12-28T09:57Z 10.4K followers, [----] engagements
"6. ICICI Health Shield [---] Health Insurance analyser-Episode [--] ICICI Lombard Health Shield This plan provides world wide cover for a travel less than [--] days How does this plan rank with other comprehensive policies A thread🧵 on the features of ICICI Health Shield Lets go👇 https://t.co/kaAlnGEHT0 Health Insurance analyser-Episode [--] ICICI Lombard Health Shield This plan provides world wide cover for a travel less than [--] days How does this plan rank with other comprehensive policies A thread🧵 on the features of ICICI Health Shield Lets go👇 https://t.co/kaAlnGEHT0"
X Link 2023-12-28T09:57Z [----] followers, 11.5K engagements
"7. Senior Citizen Policy HDFC Ergo Myhealth Suraksha Health Insurance Analyser Series Episode [--] Senior Citizen Plans HDFC Ergo Myhealth Suraksha This policy offers entry at any age and the premiums do not rise after [--] years🤯 A thread🧵on the features of HDFC ergo my health Suraksha Lets go👇 https://t.co/kmpgmpeHVR Health Insurance Analyser Series Episode [--] Senior Citizen Plans HDFC Ergo Myhealth Suraksha This policy offers entry at any age and the premiums do not rise after [--] years🤯 A thread🧵on the features of HDFC ergo my health Suraksha Lets go👇 https://t.co/kmpgmpeHVR"
X Link 2023-12-28T09:57Z 13.2K followers, [----] engagements
"13. United Family Medicare Plan https://x.com/NIKHILLJHA/status/1740211880537514336s=20 Insurance Analyser Series Episode [--] PSU Insurers PSU insurers lack severely in policy conditions United India Medicare Room rent limit and no restoration severely hamper the quality of the policy A thread🧵on the features of United India Medicare policy Lets go👇 https://t.co/rCTnnQUzpF https://x.com/NIKHILLJHA/status/1740211880537514336s=20 Insurance Analyser Series Episode [--] PSU Insurers PSU insurers lack severely in policy conditions United India Medicare Room rent limit and no restoration severely"
X Link 2023-12-28T09:57Z 45.7K followers, [----] engagements
"@tarunarora84 Dm"
X Link 2023-12-28T13:53Z [---] followers, [--] engagements
"Premium:- For a 30year old 10L cover Health Advantage premium is Rs [-----] Similar policies are available from other companies at Rs [-----] Therefore the premium is on the higher side as always with ICICI Lombard"
X Link 2023-12-29T02:42Z [--] followers, [----] engagements
"Conclusion ICICI Lombard policy doesn't have the best features in the market. But the features as also better than most other policies. Given the strict nature of ICICI Lombard on underwriting. One must first try to get other comprehensive policies with better features"
X Link 2023-12-29T02:42Z 10.2K followers, [----] engagements
"🚨Webinar Alert this weekend A complete in-depth webinar on "How to go buy health insurance" In-depth 2-3 hour webinar we will do covering 🩺A comprehensive checklist on how to buy health insurance 🩺What should be an optimal cover 🩺How to choose an insurer 🩺What should heart patients diabetics and cancer patients really do 🩺Do u have a corporate cover Should you buy a personal health insurance cover 🩺What to do if claims are rejected 🩺How should senior citizens go about buying health insurance and much more Date:-Sunday7th January Time-4PM Duration-2-3 hours Link👇"
X Link 2024-01-01T10:25Z 10.3K followers, [----] engagements
"🚨Room rent limit and Star Health insurance Almost all Star Health policies come with a room rent limit(for lower sum insured of upto 50L) One of the major problems in lower sum insured Room rent limit can massively limit ur claims"
X Link 2024-01-02T05:52Z 10.2K followers, 22.1K engagements
"For all those complaining the health insurance premiums are high👇 " " The health insurance premium is not even 1% of ur hospital bill"
X Link 2024-01-04T06:15Z [--] followers, [----] engagements
"@Soorajapawar @Skh27 Maternitydental and global coverage in one policy And in niva that policy is too costly"
X Link 2024-01-05T05:32Z 10.2K followers, [---] engagements
"@Skh27 @mayank076 @Soorajapawar Tata is having only one good policy and that is medicare premier so itna toh pata hi hai sir"
X Link 2024-01-05T05:35Z 10.3K followers, [---] engagements
"Still waiting for pre-authorisation for the cashless claims from the insurer They had raised a query but we answered them Still no approval.6 hours gone already My father just got admitted to a hospital for a critical illness Everything happened so suddenly Praying he gets well soon I have a policy with a leading private insurer Since I knew how the documentation work needed to be done did everything from my end Now hoping for a My father just got admitted to a hospital for a critical illness Everything happened so suddenly Praying he gets well soon I have a policy with a leading private"
X Link 2024-01-05T14:32Z 28.7K followers, 41.9K engagements
"It is tough to get approval in non working hours But your prayers and some high contacts worked Got the pre authorisation from the company Dad is admitted and surgery will be tomorrow Still waiting for pre-authorisation for the cashless claims from the insurer They had raised a query but we answered them Still no approval.6 hours gone already Still waiting for pre-authorisation for the cashless claims from the insurer They had raised a query but we answered them Still no approval.6 hours gone already"
X Link 2024-01-05T16:31Z [--] followers, [----] engagements
"THANK YOU SO MUCH EVERYONE FOR KIND WISHES. MEANS A LOT TO ME. YOUR BLESSING MADE ME STRONG IN THIS CRUCIAL TIME. THANK YOU EVERYBODY. 🩵🩵🩵"
X Link 2024-01-05T16:42Z [---] followers, 15K engagements
"@danielrao007 No"
X Link 2024-01-05T16:51Z 10.2K followers, [---] engagements
"@Investor_Repost Good now"
X Link 2024-01-06T02:17Z 10.3K followers, [--] engagements
"At hospital. Found [--] more people struggling for final settlement as no one is there to push for final settlement and policy tqken via direct or online mode the reason why we advise to get a advisor so he can take help via company employee directly They where struggling and i helped him .Till now one got settlement with the help of company staff got cleared in [--] minutes Indias health insurance system is very weak. Hope this time taking process reduce after all impaneled as per IRDA Guidelines"
X Link 2024-01-06T06:44Z 16.8K followers, 64.8K engagements
"India's healthcare scenario:- India's medical inflation is at a massive 14% Effectively A 10L cover today will be a 5L cover [--] years from now🤯🤯"
X Link 2024-01-06T12:59Z [----] followers, 10K engagements
"People think A single Private AC room is enough for a room rent My father had to be admitted to a super-deluxe room The average room rent was Rs [----] higher than a Single Ac room If I had a policy with a room rent limit My claim would have been massively limited Thankfully there is not room rent limit in my policy Most of the claim will be paid the insurer"
X Link 2024-01-06T14:49Z [--] followers, 54.5K engagements
"@randomuser897 Mene nahi kaha kisko ki join the webinar then only i will disclose my policy bhai kal bhi me nhi bata rha hu konsa mera policy hai policy is very personal differs from individual to individual"
X Link 2024-01-06T16:55Z 10.3K followers, [---] engagements
"With the help of prayers of all my Twitter family My father has been discharged after a successful surgery for tumour removal He has been discharged due to a healthy recovery The total claim was for [------] We paid only Rs [---] from our own pocket The entire bill was paid by the insurer That is the power of health insurance It can really help you in a tough time I always say to everyone "Health insurance sahi hai""
X Link 2024-01-08T11:45Z 10.3K followers, 65.5K engagements
"🚨It is a myth that PSU insurers give easy claims Just talked to a follower The PSU insurer rejected the pre and post-hospitalisation bill claim Reason:- The claim was made [--] days after incurring the costs. This is not in the window of the claim period My take:- When a person is illhe cannot have the time to fill out an insurance claim. This person took [--] months to recover from his disease The insurer is really unreasonable. There is no reason why this legitimate claim should not be paid Its a myth that PSU insurers don't have any hindrance in claims"
X Link 2024-01-08T12:58Z 10.3K followers, 19.5K engagements
"@aaa_iitb1 No if ur claims is genuine then they pays . i have seen single claim passed of [--] lakhs"
X Link 2024-01-08T14:44Z 10.2K followers, [----] engagements
"Not promoting any company or any product finding just name is not enough if u find the name u studied and then u itself hospitalised then who will service u I dont ask anybody to take policy through me i do consult and if you have your advisor then go with that Trying to spread awareness just want everyone to know hiw i works is in the below snap better to stop judging and take my consultation advice and get urself the policy name "
X Link 2024-01-08T17:32Z [--] followers, [----] engagements
"Starting tomorrow We start a new series Health Insurance Policy Comparison Series Here we will take two policies at a time to compare the features of each policy with other. No recommendation for any policy Just pure comparison to help our retail audience If you want a comparison of any specific policy do comment here👇"
X Link 2024-01-14T04:00Z 10.2K followers, 62.7K engagements
"@iPankajKhanna As per the latest conversation it will be removed soon"
X Link 2024-01-15T03:58Z [--] followers, [----] engagements
"3) Any Drinking smoking tobacco and pan gutka etc Any member who is consuming or consumed in past one should declare that as because of that one should develop any disease. For example: if any member is consuming more alcohol like ( Kabir singh) it is more likely to get into liver or kidney failure. So you should declare from how many years and how much quantity you are consuming It can impact on several loading will be imposed or even policy will be rejected if consuming harshly"
X Link 2024-01-17T05:14Z 10.2K followers, [----] engagements
"🚨 Bank-based group health insurance policies:- Just talked to a follower He bought a Health insurance policy sold by a PSU Bank for his mother and father The premium was low. In the merger of PSU Banks The policy got terminated His father has had an angioplasty done together with a whole host of medical conditions. The group policy brought from the bank did not offer a guarantee of life renewal. Now his [--] year old father is left with no health insurance policy. No new policy can be issued considering his medical conditions. Lesson:- Bank-based health insurance policies may look cheap But"
X Link 2024-01-17T09:37Z [----] followers, 17.8K engagements
"Health insurance is one of the most complex types of insurance There are so many stories of claim rejection How to buy a good policy What do to during claims So many questions are unanswered Ask me anything(AMA)on health insurance for the next [--] minutes Ask here👇"
X Link 2024-01-17T10:51Z 10.2K followers, 54.1K engagements
"@HarshaPJ Yes.but porting will entail underwriting again if u have a serious diseases.then no need to port"
X Link 2024-01-17T11:24Z [--] followers, [---] engagements
"@AnkitGoelVlogs @skpro19 From tata hdfc niva"
X Link 2024-01-17T14:18Z [--] followers, [--] engagements
"🚨Health Insurance Comparison Series-Episode [--] HDFC Ergo Optima Secure vs Care Supreme 🩺Optima Secure comes with a unique feature of 2x cover from Day [--] 🩺Care Supreme comes with a unique feature of 5x increase in cover Here is a comparison of both products👇"
X Link 2024-01-18T03:12Z 24.5K followers, 87.1K engagements
"We Indians are one hospitalization bill away from poverty Medical insurance is not a luxury.it is a necessity Here is a perfect example👇"
X Link 2024-01-18T05:40Z 10.2K followers, 17.5K engagements
"🚨Health Insurance Comparison Series-Episode [--] Tata AIG Medicare vs Star Comprehensive 🩺Tata Medicare comes with a unique feature of global cover(if the diagnosis is in India) 🩺Star Comprehensive covers maternity and Out Patient Department(OPD) expenses Both products do not come with an unlimited no of restores and have some limitations as compared to other comprehensive policies Here is a comparison of both products👇"
X Link 2024-01-20T05:00Z 28.7K followers, 70.2K engagements
"🚨Health Insurance Comparison Series-Episode [--] Senior Citizen Policy Niva Bupa Senior First vs Star Red Carpet policy 🩺Star Red Carpet comes with a very low premium but compromises on policy conditions severely 🩺Niva Bupa senior first comes with a unique feature of an unlimited no of restores in a senior citizen policy. Here is a detailed comparison of both products👇"
X Link 2024-01-21T04:38Z 23K followers, 37.2K engagements
"10. Pre-existing diseases Most senior citizens would have some sort of pre existing disease while buying a new policy. Waiting period for these policies can range from 1-4 years Insurer may also load the premium depending on the nature of the disease. Therefore one must be careful while buying a new policy"
X Link 2024-01-22T04:25Z 10.2K followers, [---] engagements
"Which insurers offer these policies Most insurers offer these policies:- 🩺Niva Bupa 🩺HDFC Ergo 🩺ICICI Lombard 🩺Star Health"
X Link 2024-01-22T04:25Z 10.3K followers, [---] engagements
"In such cases you can shift your policy to another policy with the same insurer or you can move it to a policy with a different insurer altogether. This can be done by porting your existing policy"
X Link 2024-01-23T02:04Z [--] followers, [---] engagements
"For example:- Mr X has an insurance policy with Star Health which has a co-pay of 20% He finds HDFC Ergo has a policy with no co-pay The premium is affordable for Mr X. He can port his existing policy from Star health to HDFC ergo"
X Link 2024-01-23T02:04Z 10.2K followers, [---] engagements
"When to port a policy One must carefully read the terms/conditions of the existing policy. If the policy is a comprehensive policy there is no need to change. If there is a better policy with superior terms available at an affordable premium Then one can consider changing"
X Link 2024-01-23T02:04Z 10.2K followers, [---] engagements
"So many agents port health insurance just for the sake of getting commissions DO NOT UNECCSARILY PORT UR POLICY Every time u port your policy whether the internal port within the same company or an external port to a different insurer It will endure an underwriting process"
X Link 2024-01-23T02:04Z 10.2K followers, [---] engagements
"During underwriting If u are diagnosed with lifestyle diseases like hypertension or diabetes the insurer can load the premium. There can be other complications as well which arise from frequent porting of policies"
X Link 2024-01-23T02:05Z 10.2K followers, [---] engagements
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