Siddhant Mishra

@NIKHILLJHA How Dengue Cashless claim got approved? Usually insurers deny it and only approve in reimbursement.

🚨 Successful claims stories A follower approached us, His wife was diagnosed with dengue and its complications, He lodged a claim with the top insurer, The insurer rejected his claim, stating that diabetes was a pre-existing medical condition not disclosed. He reached out to us at 8:30 PM in the evening, We got our teams rolling ...and assessed his case, He had indeed disclosed diabetes in his policy ,and he was entitled to this claim. Our claims team reached to the teams within the insurer, We began to work with the insurer to clear the misunderstanding, After sharing the relevant document, The pre-authorisation was accepted at 11:30 PM in the night. The follower was really really happy that we were able to help him get the claim! Night or day, the intent is to help customers/followewrs with claims,😄😄😄 Now onto the next claim!🫡🫡🫡

@Niva_Bupa @NivaBupaSupport Approved amount is not visibile for few claim on the android app from many days. Please fix the issue.

@BeshakIN so HDFC and ICICI are playing it wrongly?

Ever wondered where your insurance premium actually goes? 🧐💰 Let’s break it down with the simplest story. #incurredratio #claims #infographic #datavisual #irdai #bestpolicy #premiums

@SanjayY38289627 Which policy is good for senior citizens reassure 2.0 or Aspire?

🟦 Quick Review — Niva Bupa Aspire (Gold+ / Diamond+ / Platinum+ / Titanium+) 🟩 Niva Bupa Aspire – Simple Review Before You Choose a Variant A quick breakdown of the benefits across Gold+, Diamond+, Platinum+, and Titanium+. 🟩 Core Coverage Core Benefits (All Variants) ✔ Sum Insured: 3L to 1 Cr
✔ Hospitalisation + Daycare + AYUSH
✔ Road & Air Ambulance
✔ Organ Donor Cover
✔ Home Care / Domiciliary
✔ Annual Health Check-up every year These are the basics that remain consistent. 🟩 Future-Ready Features Future-Ready Benefits ✔ ReAssure Forever – Unlimited cover from 1st claim (except Gold+)
✔ Booster – Carry forward unused SI (up to 10X in Titanium+)
✔ Lock the Clock – Premium age freeze (Diamond+ & above)
✔ M-iracle – No co-pay + No deduction
✔ Live Healthy – Up to 30% renewal discount
✔ Unlimited E-Consultation & Second Opinion 🟩 What Changes in Each Variant? Variant Highlights Gold+ → Basic future-ready features ✔
Diamond+ → ReAssure + Lock the Clock + 5X Booster
Platinum+ → Higher Booster + Lower waiting
Titanium+ → 10X Booster + 9-month M-iracle waiting + max upgrades Simple rule:
Higher variant → stronger future cover. 🟩 Optional Add-ons Useful Add-ons ✔ Fast Forward – Multi-year benefit anytime
✔ Future Ready – Continuity for future spouse
✔ Cash-Bag – Claim-free cashback
✔ Safeguard / Safeguard+ – Non-payable items + inflation protection
✔ WellConsult OPD – OPD, diagnostics, pharmacy, wellness
✔ Hospital Daily Cash – ₹1,000–₹4,000/day
✔ Deductible Options – 20K / 30K / 50K / 1L 🟩 Good to Know Assurance ✔ 30-Min Cashless Claim Processing
✔ 10,000+ Network Hospitals
✔ 24/7 Support
✔ 1 Cr+ Lives Covered 🟩 Final Review Aspire is meant for those who want a long-term, future-ready plan with strong:
🔹 Unlimited coverage
🔹 OPD & wellness options
🔹 Inflation protection
🔹 Booster benefits
🔹 Flexible add-ons Not every family needs the top variant — best choice depends on your sum insured need, Booster level, waiting periods, and future planning. 🟩 Soft CTA If you're comparing Aspire variants and want clarity, 
🫴You can simply comment or DM “Guide Me”. #AspireReview #HealthInsurance #InsuranceAwareness #NivaBupa #FutureReadyCover #MedicalInflation #InsuranceEducation #FamilyHealthPlanning #KnowYourPlan #India #SanjayYadav

@BeshakIN @diveshkz What's the point of the moratorium then? Claims can't be denied due to misrepresentation after moratorium period

Hi! Yes. Even after the 5-year moratorium period, an insurer can still reject a claim if they’re able to prove fraud. The moratorium period protects you from past honest mistakes, but it’s not an automatic free pass. If the insurer thinks something was deliberately hidden, they can investigate and deny, and then it comes down to whether they can prove intent or you can show it was an honest miss. So, the safest thumb-rule is: disclose everything to the best of your knowledge and keep your medical records handy. If you ever face an unfair denial, escalate it to the insurer’s GRO first, then to IRDAI’s Grievance Redressal Cell, and finally the Insurance Ombudsman.

10L claim rejected over incorrect weight Worse: Insurer cancelled the entire policy What happened? How can you ensure this doesn't happen with you? Find out 👇

@NIKHILLJHA was the earlier hike due to GST?

🚨Niva Bupa rolls back premium hike on Aspire To pass on the full GST benefit to customers, Niva Bupa has now rolled back the premium hike on its policy for young people, "Aspire" Niva will revert to old premiums effective immediately!

@miless_15 @dhruvraipuri @rapidobikeapp The autowala is competing with astrologers rate Rs 10/per minute

My brother, he didn't have to wait. He could leave or drop me and i would be charged. But no he didn't. It was 2+ 2 mins. I would be charged for the 2 overhead mins and I think rapido charges 3 rupees a min. He wanted more. He wanted 10 rupees per min . He fought with me for North of 10 mins. It's not about the money or wait time it's about getting his way which he did.

.@rapidobikeapp who runs your mafia business? Because this driver just harassed me for waiting for 3 mins and he has the audacity to say "dekhta hoon kaise jaate ho". I booked an auto. I ask him to wait for 2 mins because I was finding the keys. I come down. This certain gentleman starts threatening and shouting at me. I paid him 20 rupees because he was threatening to harm me. This is right infront of my house. Rapido calls people late night after a ride is over. It has always been so funny to me cause the customers are at risk before starting the ride. To hell with this city and its people who can just walk away threatening you like this and the only vestige of hope you have is by tweeting about it ? I

@ankurmittal @cardinsider not able to login to card insider app on Android. Getting otp on login but the app is not taking any input.

@NIKHILLJHA @nikhil89nick But isn't clearly coming under non disclosure category? Non disclosure is concealment of info willingly.

@sidd_mish @nikhil89nick if the insurance company proves this is a fraud then nothing can be done

🚨What happens if you hide/forget to disclose a disease while buying a health insurance policy? Just talked to a follower, His claim for his father was rejected by a top insurer. He did not disclose diabetes for his father while buying his policy 5 years ago, His father was admitted to the hospital for chronic kidney disease and is now on dialysis. During the investigation, The insurer found that the father had diabetes while buying the policy, and this was not disclosed. The customer told us his father forgot to disclose the disease as he was unaware he needed to disclose. The insurer not only rejected the claim But terminated the policy there by losing 5 year of premiums and continuity benefits, On top of this, His father will never get a new policy due to the kidney problems, Always disclose all pre-existing medical conditions at the time of buying the policy, Even if this leads to rejection of the policy If you forget to disclose all pre-existing diseases at the time of buying the policy, The insurer will not only reject your claim but also terminate ur policy,

@NIKHILLJHA @nikhil89nick Can you please give more clarification on this scenario? I don't think this is a case of fraud, this is more of a misrepresentation. Would moratorium have saved the customer in this case 5 years would have been completed?

@nikhil89nick pls read again Insurance companies can reject claim anytime if they prove fraud

@SanjayY38289627 @Niva_Bupa How was the discharge done meanwhile and at what T&C as it's approved as cashless only.

💖 Relief Delivered: ₹92.66L Cashless Claim Approved After Personal Intervention🙏@Niva_Bupa ✨ A Life-Changing Win: ₹92.66 Lakhs Cashless Approved with Heart & Hustle Mr. Jain’s claim was initially approved for ₹25 Lakhs. Understanding the need for more support, I personally stepped in to coordinate with the hospital and Niva Bupa. Through prompt communication and diligent follow-up, all queries were resolved smoothly. On 23rd Sept 2025, the final-cashless approval was successfully revised to ₹92,66,049 — a huge relief for the family. Grateful to Niva Bupa for their cooperation and proud of my role in making this possible. “True success is standing by people when it matters most.” Excepts Consumables almost everything got paid. #InsuranceWin #ClaimSuccess #NivaBupa #CashlessClaim #PatientFirst #InsuranceSupport #RealStory #HealthcareHeroes #InsuranceAdvisor #SuccessMatters #CustomerSupport #CashlessApproved

@stepbystep888 Another reason let say in an unfortunate even the policyholder get demised during the policy period, in regular he would have paid only for that number of years and could have saved the remaining years premium but if he would have paid all in advance.. it won't be returned back

Why regular pay is better in term insurance than limited pay. live example: Bajaj Life, 2 Crore premium, female, non-smoker, current age = 34 years Reason 1: Present value of future cash flows is cheaper in regular pay vs. limited pay. 99% policies sold by Holistic Wealth is regular pay. Reason 2: Why pay in advance? Is there any other service for which you have considered paying 16 years in advance? Are you paying the school fees of your kids quarter by quarter or you have paid 12 years of the fees in one go? Reason 3: The option to lapse the policy. Let's say this person by the time she turn 50 has accumulated 15 Crore, why does she need the term insurance anymore. She can simple stop paying the premiums and lapse the policy.

@NIKHILLJHA @its_nitin will the deductible also applicable for pre and post hospitalisation for a claim?

@its_nitin once in first claim

🚨Deductibles in Health insurance-A great way to lower premiums Deductible is a fixed amount that u will pay once, before the insurer starts to pay the claim. Deductible can drop ur health insurance premium by 18-50%🤯🤯 A thread🧵on what is deductibles & how to effectively use deductibles?👇

@NIKHILLJHA Was the policy with safeguard rider?

One of my very close friend yeasterday done with his surgery and got discharged not a single rupees has been deducted… when he got hospitalised on 15th sept , hospital ask to pay some amount for non deductible items as most companies dont pay that , so pay upfront a sum of around 50k … we talk to their TPA desk .. and asked them to put all claim if something deducted will pay at that time after so many back and forth they agreed.. And yeasterday not a single penny has deducted and he went home without paying anything from his pocket… Praying for his speedy recovery ❤️

@NalinisKitchen @NalinisKitchen Enable 5G connection whenever you want to use hotspot. Jio gave Unlimited 5G currently but limited 4G😆.

Laptop connected: 7:23 AM 50% data used: 7:26 AM 100% data used: 7:28 AM All the data was used up within 5 minutes. Beautiful scam by Jio.

7/n Having such a pre-approval process will bring clarity to claim eligibility upfront and bring some predictability in reimbursement claims.

6/n Currently insured person usually clarify from customer care about an eligibility of procedure and sometime they get clarity but it is not binding on insurer and sometime they just ask us to file for a claim and then see but insurer never give anything in written beforehand.

@joinditto @policybazaar @livemint @irdaindia @drprashantmish6 @MoneylifeIndia @NIKHILLJHA @ClaimbuddyI @drprashantmish6 @ahpi_india 1/n Recently I have been thinking for some solution to improve health insurance rejection for reimbursement claims.

7/n Having such a pre-approval process will bring clarity to claim eligibility upfront and bring some predictability in reimbursement claims.