RITAM CHAKRABORTY

@SanjayYada7n Which policy was issues in this case?

📄 Real Case Yesterday – Don’t Ignore This 70 Years | Multiple Medical Conditions Most people think: 👉 “Mera case reject ho jayega” But reality is different 👇 📌 Existing MedicalConditions: Diabetes (on insulin) Thyroid Cholesterol Fatty Liver Migraine Fibromyalgia Anxiety 👉 Total: Multiple chronic conditions + ongoing medicines ⚠️ What normally happens? ❌ Many insurers reject directly ❌ Some give heavy loading ❌ Some add long exclusions 🧠 What smart advisors do? 👉 सही company selection 👉 सही case presentation 👉 सही timing 📌 यही difference create करता है: Rejection ❌ vs Approval ✅ हर case possible नहीं होता…लेकिन हर case impossible भी नहीं होता Difference सिर्फ सही guidance का है 📩 DM Type “My CASE” – I’ll tell you honestly what’s possible #Indian #Insurance #HealthInsurance #31stMarch #Mumbai #Pune #Nagpur #Hyderabad #Banglore #Chennai #Assam #Kolkata #Westbengal #Lucknow #delhiNCR #Gurgaon

@NIKHILLJHA How did the insurance come to know?

Last year a senior citizen couple discussed us about his and his wife policy.. because of too many upcoming surgeries and all .. we strictly advised client not to port this policy.. and continue the same .. though policy condition was not good , but no other chance .. as the policy that they had having from last 7 years After my strict no to port he went to some XYZ .. online aggregator .. the guy advised hide this osteoarthritis as surgery is not even reqrd so no issue we can hide it out .. but now company somehow got old documents and the issue over here is claim got rejected and now policy will also get rejctd .. On grounds of NON DISCLOSURE AGREEMENT, no one can do anything… A clear no to port is not beneficial for us but benfcl for client

@RailMadad PNR 8641171580 Train No 20111 approaching KKW. The coach is not clean, AC is not working, no water in the washroom, and charging port is not working. Please assist.

@jillsdaniel @NIKHILLJHA Talk to @BeshakIN They are very helpful.

Care insurance is offering a lower premium at 21.6k with 10 lacs coverage & refill if needed for the same amount. @NIKHILLJHA is it recommended to port? I've been using Niva Bupa for 6+ years. I tried to negotiate a discounted premium with Niva, but they're unable to.

@ICICILombard Anything other than automated replies?

@98RITAM Hi Ritam, we have made a note of your concern and informed our team. We will get back to you at the earliest. Thank you for your patience.

@ICICILombard I filled my proposal and paid my premium yesterday. Till now, I have not received a call from your underwriting team. You guys go out of your way to make sure that the customer experience is spoilt!

@ICICILombard More than two weeks since I filled the proposal, yet to reveal any update. I regret choosing ICICI Lombard!

@98RITAM Hi Ritam, we have informed our team and they will get in touch with you to assist you at the earliest. Your patience is appreciated.

@ICICILombard Been more than 3 days now.. still waiting

@98RITAM Hi Ritam, we have made a note of your concern and informed our team. We will get back to you at the earliest. Thank you for your patience.

@ICICILombard Haven’t received a call yet! How long will it take?!

@98RITAM Hi Ritam, we have informed our team and they will get in touch with you to assist you at the earliest. Your patience is appreciated.

@StarHealthIns This is regarding policy no. 11230216448803. My father’s planned admission at Apollo Multispeciality Hospital, Kolkata is being denied a Deluxe room. The hospital says Star doesn’t allow it for your policyholders despite my top-up for any room category. Why suffer?

@ICICILombard Still waiting for the call. You guys are hardly patient while taking payments and pushing sales.

I still spotted the attempt — think about people who will not notice or senior citizens who would be left without adequate cover? @NIKHILLJHA You recommend buying ICICI policies through agent but even after buying through agent companies try to defraud customers!

@ICICILombard ICICI appointed renewal agent just tried to defraud me by offering me a “renewal discount” — he actually had removed add ons from the policy without informing me while claiming that it was a “discount”. Policy was bought through @BeshakIN @themahavir

@RailwaySeva Theft of purse and phone. My mother is travelling along with a senior citizen on 18046 East Coast Express. PNR 4224356964. Please assist.

@SanjayY38289627 How to get in touch to purchase health insurance?

🚨 A Harsh Reality of Insurance 🚨 My close friend Mr. Pandey Age -43 (earning ₹40K–₹50K monthly) always said: 
👉 “I’ll take Health & Term Insurance from next month…” 
But that next month never came. Today, he has been diagnosed with:
⚠️ Liver Abscess
⚠️ Acute Appendicitis
⚠️ Kidney Stone Now he calls me every day saying:
“Please take whatever premium, just get me Health Insurance.” But today, insurance companies are only ready with: 
❌ Permanent Exclusions
❌ 3-Year Waiting Period on Pre-existing Diseases 💡 The truth is: Insurance is not bought with money alone — it’s bought with health and time. Once illness strikes, companies see you as a high risk. 👉 That’s why the BEST time to buy insurance is when you feel you don’t need it. Because life doesn’t warn us before a medical emergency. Term Insurance and Health Insurance is must for everyone. ✅ Secure your family.
✅ Secure your health.
✅ Don’t wait for tomorrow. #InsuranceAwareness #HealthInsurance #LifeInsurance #FinancialPlanning #SecureYourFuture

@ICICILombard Still now no resolution received and I still can’t see the status of my order or the bill.

@98RITAM Hi Ritam, we have made a note of your concern and informed our team. We will get back to you at the earliest. Thank you for your patience.

Hi @ICICILombard When will you fix your glitchy app? I am trying to see how much I need to pay for the order and whenever I click on Pay at Pickup it takes me to a blank page. It is so difficult to get things done in your app! I had complained in July about the same error!

@ICICILombard I am trying to renew my policy and avail the NRI discount advertised on your website but your customer support has no idea about it. Is the NRI discount a false advertisement?

@IndiaPostOffice No updates for parcel EW166439722IN for last few days. Please assist.

@ICICILombard I had added the BeFit Benefit B plan to my health insurance. But I am unable to order medicine using the app as whenever I click the order medicine option, the app takes me no where and is stuck on the same screen. How do I utilise the benefit and place order?