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Nikhil Jha Profile picture
@NIKHILLJHA
Dec 28 • 14 tweets • 4 min read • Read on X
🚨Health Insurance Analyser Series

From,
Niva Bupa Aspire to,
HDFC Ergo Optima Secure to,
Acko Health insurance to,
Star Comprehensive to,
Care Supreme

We have analyzed 14 policies uptil now.
The analysis is unbiased to help retail investors decipher health insurance

A thread🧵of threads of the policies we have reviewed

Lets go👇Image
1. Niva Bupa Reassure 2.0
2. Care supreme
3, HDFC Ergo optima Secure
4. Star comprehensive Policy
5. Tata Medicare Policy
6. ICICI Health Shield 360
7. Senior Citizen Policy

HDFC Ergo Myhealth Suraksha

8. Senior Citizen Policy

Star Red Carpet policy
9.Senior Citizen policy

Niva Bupa Senior First policy

10. Acko Health insurance

11. Niva Bupa Aspire

12. Senior Citizen policy

Care Senior Health Advantage

13. United Family Medicare Plan

• • •

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More from @NIKHILLJHA

Nikhil Jha Profile picture
Dec 20
🚨Porting of Health Insurance

Insurers are rejecting claims on Ported policies due to material nondisclosure of pre-existing diseases at the time of porting
This is becoming a serious problem

A thread🧵with a comprehensive checklist of things to follow before porting

Lets go👇 Image
What is health insurance portability?

You bought a health insurance policy.
After some time when u read the policy terms and conditions.

You realize the policy has
🩺Room rent limit
🩺Copay
🩺Isnt a comprehensive policy

Now u want to change the policy!
What do u do?
In such cases, you can shift your policy to another policy with the same insurer or you can move it to a policy with a different insurer altogether.

This can be done by porting your existing policy.
Read 17 tweets
Nikhil Jha Profile picture
Dec 18
Health Insurance Analyser Series Episode 8
Senior Citizen Plans

HDFC Ergo Myhealth Suraksha

This policy offers entry at any age and the premiums do not rise after 70 years🤯

A thread🧵on the features of HDFC ergo my health Suraksha

Lets go👇 Image
No Room Rent Limit:-

Myhealth suraksha plan does not come with any room rent limit for in-patient hospitalization or ICU admission.

🏥60 days before hospitalisation
🏥180 days post hospitalisation is covered
No Co-Pay

The policy does not have any co-pay.

It covers the cost of non-payable items, protects the sum insured from inflation.
Read 14 tweets
Nikhil Jha Profile picture
Dec 17
Insurance Analyser Episode 7

Niva Bupa just launched a new policy "Aspire"

The policy comes with Maternity Benefit and a Global Health cover🤯
The policy also cover doctor consultation under Out Patient Department(OPD)

A thread🧵on the features of Niva Bupa Aspire

Lets go👇 Image
Niva Bupa Aspire comes in 4 Variants
🏥Gold+
🏥Diamond+
🏥Titanium+
🏥Platinum+

Gold is the base version and the cheapest policy.

Diamond,Titanium and Platinum plans come with Lock the clock feature.
1. Lock the Clock:-

🧪Insurance premiums rise thru out life in bracket of 5 years
🧪Premiums also rise in case the insurer takes a premium hike Image
Read 23 tweets
Nikhil Jha Profile picture
Dec 15
🚨Health Insurance Analyser Series

We have started an unbiased review of health insurance policies for the benefit of retail investors.

A thread🧵of threads of the policies we have reviewed

We will keep adding here every time we review a policy.

Lets go👇 Image
1. Niva Bupa Reassure 2.0
2. Care supreme
Read 6 tweets
Nikhil Jha Profile picture
Dec 15
Insurance Analyser series-Episode 5

Tata AIG Medicare
This policy from the house of Tatas provides a Global health care cover!🤯🤯

A thread🧵on the features of Tata Medicare

Lets go👇 Image
1. No Room Rent Limit:-

Optime secure plan does not come with any room rent limit for in-patient hospitalization or ICU admission.

🏥60 days before hospitalisation
🏥90 days post hospitalization is covered Image
2. Copay:-

The policy does not have any co-pay.
Entire bill will be picked up by the insurer
Read 14 tweets
Nikhil Jha Profile picture
Dec 12
Insurance Analyser Series-Episode 3

HDFC Ergo Optima Secure

The Policy comes with a feature of increasing cover by 4x at no additional cost
It also provides 2x cover from day 1!

A thread🧵on the features of HDFC Ergo Optime Secure

Lets go👇 Image
1. No Room Rent Limit:-

Optime secure plan does not come with any room rent limit for in-patient hospitalization or ICU admission.

🏥60 days before hospitalisation
🏥180 days post hospitalization is covered
2. Copay:-

The policy does not have any co-pay.
Entire bill will be picked up by the insurer
Read 16 tweets

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