Bharath Kumar Dhalipathi

@cleansnackbrand How to place an order

How many of you can guess the ingredients in this mini cookie tin? Fun fact- Cookies actually originated in 7th-century Persia as accidental test cakes used to test oven temperatures And now, it’s viral around the globe #dmtoorder #linkinbio #viralcookietin #minitin #cookies

@ruchirkanakia Anything new in insurance space

It's been long... Ask me anything related to insurance!

@TejasTekk Want to order 3kg

Sharing an update about Tsa tekk whey Chocolate Isolate, Strawberry Vanilla Cream Isolate, and Whey Isolate single-serve sachets will be available from 2 April. Also, a quick update from our end: due to trade conditions, energy costs, demand-supply pressures, and the broader geopolitical situation, raw whey prices from Europe have increased. Before revised pricing kicks in, use code TEJASTEK for the current offer. Offer validity: Concentrate and Blends: till 2 April 100% Isolate: till 5 April From 5 April, whey protein prices will increase by around 5–7% due to the rise in European raw whey prices. Also, for 2 kg and 3 kg whey orders, message us after placing your order and we will include a protein sachet pack with your order.

@NIKHILLJHA True. I can agree

What makes us diffrent from others ? We don’t take all clients who comes to us … We dont promote porting unless it is required We advise as genuine as possible We dont chase or gives 100 of calls a day to buy policy …and last but not the least .. We focus on after sales services … that is our top priorty… We will not only help u in buying the policy as well as during critical times of claims, we will guide you step by step …

@ruchirkanakia Insurance for schezoprenia

I have filed ombudsman complaints, escalated to IRDAI, and gone to consumer court on behalf of customers whose claims were rejected. I have won cases insurers assumed were closed. Ask me anything about insurance claims in India!

@ruchirkanakia Self wife kid

@bharath027 Who all in the plan and what riders have you added ?

March is the last month of the financial year. It is also the best time to review your health insurance before renewing it on autopilot for the fourth consecutive year. If you are going to renew in the next few days, comment your insurer and sum insured first. I will tell you whether to renew, port, or top up.

@ruchirkanakia Added

@bharath027 Renew if room modifier rider and consumables rider is added

@Theshashank_p Hotel prasanth near navrang

This is called naati oota. All your insta worthy ambience can go to hell if you can't make food like this... Hotel Aditya♥️

@ruchirkanakia Health insurance for mental illness especially schizophrenia

I have helped 100s of families claim their health insurance. Ask me anything!

@CMShehbaz Chutiya

The Government and the people of Pakistan join the people of Iran in their hour of grief and sorrow and extend the most sincere condolences on the martyrdom of His Eminence Ayatollah Seyyed Ali Khamenei. Pakistan also expresses concern over violation of the norms of international law. It is an age old convention that the Heads of State/Government should not be targeted. We pray for the departed soul. May Allah Almighty grant patience and strength to the Iranian people to bear this irreparable loss.

@normaly_abnorml Buy it from @NIKHILLJHA .. see what they recommend..

Guys, please suggest no nonsense personal health insurance policies and your experience with it. I won't mind paying little high premium unless it's not justifiable with all recent GST cuts.

@NIKHILLJHA Mental illness?

🚨Health insurance coverage expansion Niva Bupa makes several changes to offer policies to patients with critical illnesses, People with the following diseases can get a policy with permanent exclusion 🩺Cancer 🩺Brain Tumour 🩺Ankolying Spondylisis 🩺PAcemaker 🩺Bipolar disorder 🩺Heart valve replacement 🩺Chronic Kidney disease and many more Finally, acceptability will be subject to medical underwriting. This is a significant move in the direction of giving policies to people with all medical conditions Here is a list of acceptable diseases with Permanent exclusion or co-pay or both

@ruchirkanakia Which are the top insurers in this ?

I cannot stress this enough but always buy insurance from a company with a high Claim Settlement Ratio (CSR) by amount, not just by number. High number means they pay small claims easily. High amount means they pay the big, life-changing claims.

@kayezad Many insurers reject the application for any sort of mental illness.

Of the 5,000 People with Disabilities surveyed, nearly 80% had no health insurance. While parents of disabled children need a life insurance policy to ensure their kids are taken care of in case of any eventualities, a health insurance policy is necessary, too. The Rights of Persons with Disabilities Act lists 21 conditions as disabilities. And as per IRDAI, no insurance company can deny coverage to a disabled person unnecessarily, writes @Preeti__Kul as part of @ET_Wealth World Disability Day special edition. Insurance companies must design at least one special product designed for Pwds and a Board-approved underwriting policy.

@ruchirkanakia Icici elevate. How would you rate this ?

Do not ever buy a health insurance policy before checking the Ratio of Claims Settled by Amount Most insurer maintain a high CSR (Claim settlement ratio by number) by quickly approving many small value claims (like routine checkups) while frequently rejecting or delaying high value claims (like major surgeries). To not fall for this, you need to: Check the ICR (Incurred claim ratio by amount). ICR is basically the percentage of collected premiums that the insurer actually pays out as claims. If an insurer's ICR is, for example, 85%, it means they paid out ₹85 in claims for every ₹100 collected in premiums. A healthy ICR is typically between 65% and 85%. A ratio too high (over 100%) or too low (less than 50%) are red flags.

@geniusparadox The Narasimha one looks very good

@BeshakIN This looks unrealistic since my mother had lungs transplant

@bharath027 Yes 😅

🚨 ₹45L super top-up claim denied A woman needed a lung transplant costing ~₹80L. ₹15L was approved under her base plan. But the insurer refused cashless under the super top-up. Here’s how an Expert turned it around 👇 #ExpertsFightClaims

@chiragbarjatya Which tofu is good

Veg? Morning: 30g besan chilla with green chutney and 50g tofu grated in it. Eat with some dahi or yogurt. and some almonds. Lunch: 2 roti with low fat paneer curry / bhurji mixed with veggies with a bowl of dal. Snacks: Yogurt with fruits or a scoop of whey protein. and some walnuts. Dinner: A bowl of rice with a bowl of dal and tofu/paneer bhurji. All to be cooked in olive oil. Non veg? Morning: Omellete with bread or paratha. Lunch: 50g chicken breast with some rice or roti along with green veggies. Snacks: Yogurt with fruits or a scoop of whey protein. and some walnuts. Dinner: A bowl of rice with a bowl of dal and 6 egg whites. All to be cooked in olive oil.