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Mahavir Chopra / Beshak.org Profile picture
@themahavir
Apr 22, 2020 • 3 tweets • 1 min read • Read on X
Additional #Covid_19 relief by IRDAI.

A recent circular will let insurers offer relief to customers by allowing payment of health insurance premiums in monthly/quarterly installments.

The relief is applicable for all policies due for renewal until Mar 2021.

#COVID2019india
Insurers will roll out the process to take benefit of these options soon on their websites.
It could be surprising for a few, but Health insurance premiums can be really high - as high as a lakh a year.
Especially if you are covering senior citizen parents.

This relief will be really helpful to many!

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More from @themahavir

Mahavir Chopra / Beshak.org Profile picture
Feb 2
This one was one unnerving case.

A customer was diagnosed with thyroid cancer.
He had just bought the policy a year back .

when cashless was submitted, the insurer rejected the claim under the 2 year waiting period.

One small observation and updated knowledge of the advisor about new regulations helped quickly reverse the rejection.

So here's what happened 👇
#ExpertFightClaims

dmImage
This person was diagnosed with thyroid cancer - called "malignant neoplasm of the thyroid gland"

The doctor said the person would need to get the treatment started immediately.

Now he and his family were relieved he had taken insurance just that year, so he reached out to the insurer for cashless.
But things didn’t go as expected… (or as expected 🤦‍♂️)

The insurer DENIED his claim!

They said that this disease was in the list of "2 year specified disease waiting period clause"
Read 12 tweets
Mahavir Chopra / Beshak.org Profile picture
Dec 9, 2025
Case of cashless claim approved first, then rejected.

Customer gets admitted to hospital, cashless is approved for 70K

Later the patient's health detoriates and he is shifted to ICU,
the bill shot up to 3.4L.

The insurer withdraws cashless, leaving the customer shocked.

Here’s how a Beshak Expert stepped in - and turned it all around 👇Image
A customer was hospitalized for angioplasty, and the insurer first approvied a cashless treatment of 70K.

The hospital stay seemed routine until things took a sudden turn.

Complications arose, and the patient needed urgent ICU care.

This led to a significant increase in the total hospital bill, raising it to 3.4L.
The hospital submitted a request to the insurer to approve the additional ICU treatment costs.

But the insurer rejected the change in cashless request.

They argued that ICU care wasn’t necessary for this procedure. And that ANY CHANGE in the line of treatment should’ve been communicated BEFORE the treatment was carried out.Image
Read 12 tweets
Mahavir Chopra / Beshak.org Profile picture
Jun 27, 2025
🚨 Many buy health insurance - but DON'T KNOW their rights.

Not because they’re careless.
Because no one tells them.

IRDAI has listed 11 rights every policyholder is entitled to.
Check how many you know. Understand the exceptions👇

💾 Save this for future.
🙏 Repost to spread awareness.
1/ Right to lifelong renewability
Your insurer can’t deny renewal just because you aged or made claims or have a new disease.

⚠️ Exception:
Insurers can only refuse renewal if they can prove fraud or intentional misrepresentation.
2/ Right to portability

Unhappy with your insurance plan or insurer?

You can shift to a new one and still keep your waiting period credits.

⚠️ Exception:
Porting is not guaranteed. The new insurer can evaluate and decline your application. Ensure you port while you are young & healthy!
Read 14 tweets
Mahavir Chopra / Beshak.org Profile picture
May 10, 2025
⚠️ ⚠️ Common tactics hospitals use to inflate bills.

We cover:
1. Different tactics you should know.
2. How it impacts you
3. How it impacts your health insurance

🧵 👇
Imagine booking a buffet dinner.

But when the bill comes, the restaurant has charged you separately for prior booking of the table, using extra cutlery, calling the chef

That’s exactly what many hospitals do to inflate bills.
You could be admitted for a standard treatment, and yet, find your hospital bill packed with surprises.

Some hospitals have a robust system and culture to ensure they inflate bills.

And whether or not you have insurance, this can come back to bite you.
Read 15 tweets
Mahavir Chopra / Beshak.org Profile picture
Mar 11, 2025
🚨 Why a ₹1 Crore health cover may NOT be enough once you hit 30!

In 1999, my dad was proud owner of a bumper health insurance cover!
Cover of 2 Lakhs. He found it adequate.

In 2010, I felt ₹10L was a decent enough cover.

Today, ₹1Cr still seems a bit of a stretch. But is it?

Let’s break it down. 🧵👇
1. India’s private healthcare is only getting more expensive.

The government spends just 2.1% of GDP on healthcare - one of the lowest in the world. Public hospitals are struggling, and most middle-class families don’t prefer to go there.

That leaves us with private hospitals, and we all know how expensive they are.
Why?

Because the demand for quality healthcare far exceeds supply.

Just look at the top hospitals wherever you live - there’s always a rush.
Beds are perenially unavailable.

(Have seen the MD of a giant company waiting at Hinduja hospital, Mumbai, with their family member, late night, patiently negotiating for a vacant bed. )

India has only
- 1 doctor for every 1,500 people
- 1 hospital bed for every 1,000 people - far below WHO’s recommended standards.
Read 22 tweets
Mahavir Chopra / Beshak.org Profile picture
Mar 7, 2025
A thread on employer health insurance!

Every year HR sends an "insurance" email most ignore.

You shouldn't.
The email usually has a deck that covers:

• The benefits you are entitled to.
• The process to enrol family members.
• The process to enrol and pay for parents’ covers and top up covers.
• The terms and conditions - which are a lot, believe me (this is ignored the most!)
Employer health insurance benefits are smoooooth!

👉 It is easy to enroll.
👉 It covers maternity benefits.
👉 It covers pre-existing diseases, damn it!
👉 It is even easy to claim.
Read 18 tweets

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