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Mahavir Chopra / Beshak.org Profile picture
@themahavir
Aug 3, 2020 • 6 tweets • 2 min read • Read on X
Update.
- I email my insurance broker.
- They write an email to the insurance co. official asking for a "payment link."
- Insurance co. official gives a classic response "The below-mentioned policy does not pertain to our office."

Looks like I am in an Office Office episode😂
I usually don't like to take up a case against a brand. But I am doing it this time - coz, if it can happen with me, I am just imagining people who don't have a clue about insurance.
I mean Insurance brand.
I decide - I will file a grievance.
I call on the number on the grievance page - It says, "The dialed number does not exist. Please check the number you are dialing." 😂😂😅

This is going to be fun. #thakurtogiyo Image
It shouldn't take me a minute to call up some friends in the industry to solve this - but this is more fun. Let's understand what a regular customer goes through.
Hello @UnitedIndiaInsu - My policy is due for renewal, but your website has blocked renewals.
When I call the phone number 022-22045059 on your website - I am getting a message that "the number does not exist".
How can I pay you and renew my policy?

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More from @themahavir

Mahavir Chopra / Beshak.org Profile picture
Jun 27
🚨 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
⚠️ ⚠️ 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
🚨 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
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
Mahavir Chopra / Beshak.org Profile picture
Mar 1
~70% of health insurance customers I meet are unaware of their rights.

Know your 12 essential rights as a health insurance consumer 👇👇

💾 Save for later.
↗️ Share to spread the word.
🗨️ Let me know how many were you already aware off?
1/ Right to lifelong renewability

Your health insurance cannot be denied renewal due to age or past claims.

An insurer can deny renewal only if:
• You committed fraud or misrepresented fact
• You bought the policy with the intention to make a false claim
2/ Right to portability

You don’t have to remain stuck with an insurer if you’re unhappy.

You can switch to another insurer and carry forward all your waiting period credits.

But note, Porting is not guaranteed. The new insurer can reject your application based on your profile, medical history etc.

Tip: Always disclose your medical history truthfully.
Read 17 tweets
Mahavir Chopra / Beshak.org Profile picture
Oct 11, 2024
Patient hospitalized for 6 days
Insurer pays for 2 days - says no "active treatment" after 2nd day.

Doctor shares logic for the 6-day treatment.
Insurer still disagrees.

Should patients consult insurers before taking medical decisions?
Why do patients suffer for lack of medical regulations?Image
First, let's understand why this happens.

So, health insurance as per the contract will pay only in case when the hospitalization is
a) "Necessary" and
b) " requires active treatment"
Ok - so what is "Necessary" treatment?

It is when patient can only be treated at a hospital and not at home or in OPD.

For instance, say I meet with an accident, and break my hand.
Now, the doctor needs to apply plaster on my hand.
But say the doctor asks me to get hospitalized for a day - This won't be covered under health insurance.
Read 9 tweets

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