A family lost three men in just six months.

A widow almost lost her home too.

All because an insurance company said - “Claim not covered.”

Here’s how she fought back… and won. 👇
#ClaimStories S01E103 Gauri & her husband had just begun building their dream - a small flat in Bhiwandi, Thane.

They bought it for ₹30.7L, with a ₹27L housing loan from a finance company in 2017.

But the loan came with a condition - they had to take an insurance policy with it.

A life-changing surgery was questioned.
A genuine claim denied.

The insurer held on to a clause.
Nilesh held on to the truth.

Find out what happened next in today’s #ClaimStories S01E101 👇 Nilesh Gala, his wife and daughter were covered under a health insurance policy.

One day, Nilesh underwent an ear surgery to fix his hearing Left Ear Ossiculoplasty with Titanium Chain Prosthesis under general anaesthesia.

The surgery cost ₹42,431.
He filed a claim.

🚨 Banks keep doing this. And people keep falling for it.

A 25-year ULIP was sold as a 5 year double your money plan.

This time, to a carpenter just trying to save for his future. 😟

A must-read story 👇

#Insurance #MisSelling #SavingsPlan #insuranceawareness A carpenter thought he was planning for his future.

But what he actually got was a costly, long-term insurance trap.
Sold by a bank he trusted.

This story was shared by Akshat Modi (a CA), and it’s a must-read 👇

A man lost his life in a road accident.

The vehicle owner had valid insurance.

But here's the twist: He was still forced to pay ₹3.88 lakhs in compensation! 😱

The case went to High Court, and what they uncovered is a mistake 50% of Indian vehicle owners are making right now.

Catch the #Rerun of our famous #ClaimStories to see how it ended and learn from real-life cases so you don’t face the same nightmare. Ever lent your vehicle, like your bike, to a friend?

Most of us have. But before handing over the keys, did you check if the vehicle has valid insurance?
And did you confirm if your friend has a valid driving license?

No, right? Who really thinks SO much before lending a vehicle casually?!

🚨 Car stolen from Taj Mahal Hotel’s valet parking

Hotel says: “We’re not responsible.”

Guest says: “You took my keys. You’re liable.”

The fight went all the way to the Supreme Court.
And the verdict will surprise you.

Here’s #ClaimStories S01E96 👇 It was late at night.

A guest drove to the Taj Mahal Hotel in his Maruti Zen.
He handed over the keys to the valet and went inside.

When he came out a few hours later…
His car was gone.

Just gone.

🛑 Insurer denying claims? Raising premiums? Ignoring your complaints?

You might not know this, but YOU have RIGHTS as a health insurance customer.

Here are 12 powerful rights that protect you (and most people don’t even know them!) 👇

#InsuranceAwareness #ConsumerRights #HealthInsurance Let’s start with the most underrated one 👇

✅ Right to Lifelong Renewability

Your insurer can’t deny renewal just because you:
🚫 Got older
🚫 Made multiple claims

As long as you didn’t lie on your form, they can’t say no.

🚨Health insurance plan with NO LIMITS?

That’s what Niva Bupa ReAssure 3.0 promises.

👉Unlimited cover
👉Day 1 coverage for 145 PEDs
👉OPD, global coverage
...and more

But is it really as limitless as it sounds?🤔

Let's break it down👇

#BeshakDecodes #review #notsponsored 🏥 First, what’s different about ReAssure 3.0?

It comes with an unlimited cover model - without bonus or restore benefits.

You can make multiple claims in a year, without worrying about exhausting your sum insured.

🚨 A ₹50L health cover TERMINATED over one missed detail.

Rejected claim. Cancelled policy.

Until an expert brought it back from the dead.

Here’s how 👇

#claimstories #healthinsurance #fineprint #policydetails In health insurance, even the smallest miss in your medical history can sink a claim.

Sometimes it’s paperwork.
Sometimes it’s wording.
Sometimes it’s your insurer’s interpretation.

And when that happens, you don’t want to be the one fighting alone.

🚨Hospitalised for 9 days. But insurer only paid for 6.

Citing a clause in the policy fine print, they deducted ₹53K from the claim.

That is, until an Expert stepped in - and turned things around.

Find out how in today’s #ExpertsFightClaims 👇 It began with mild symptoms - just a cough and breathlessness.

But things got serious fast.

He was admitted in a Mumbai hospital for pneumonia with sepsis, kidney issues, diabetes and an enlarged prostate.

He stayed for 9 days in the hospital.
But thankfully, he had a health insurance plan in place.

🚨 New health insurance sc@m alert!

A Mumbai college principal got a link to deactivate a health insurance policy he never bought.

When he clicked, he lost ₹50,501.

Let’s break down what happened, and how to avoid it. 👇

#insurancescam #cyberfraud #insuranceawareness #insurancefraud It started like this:

In May 2025, a bank manager visited the college and pushed hard to issue a credit card.

The principal clearly said he doesn’t use credit cards - but the manager insisted:
“It comes with great offers. It’ll help you in the future.”

The principal gave in.

The card arrived in April. It was activated but never used.

🚨 Life insurance claim denied over a sore throat?!

A man passes away just 11 months after buying a policy.

Insurer blamed “non-disclosure” of a throat pain that started AFTER the purchase, and denied the wife's claim.

Here's how the wife fought back, in #ClaimStories S01E88 👇 In September, Mr. Chaudhari bought a life insurance policy to secure his family's future in his unfortunate absence.

But just 11 months later, he passed away unexpectedly. 💔

Amidst her grief, his wife turned to the life insurance policy for financial support, hoping it would ease her burden.

💔 What happens if both the insured AND their nominee pass away in the same accident?

Who gets the insurance money then?

IRDAI clarified this rare but critical situation.
Let’s break it down 👇

#InsuranceNews #IRDAI #termInsurance #insuranceupdates Life insurance usually feels straightforward:
You buy a policy, you're asked to name a nominee, usually a close family member, like a spouse.

The idea? If something happens to you, they get the insurance payout.

Simple, right?
Well… not always. ❌

"A stroke? Must be the alcohol, or an old condition."
🚨 That’s all the insurer assumed - to reject a ₹2.65L claim.

But the insurance advisor wasn’t having it.
He dug deeper into medical reports & policy wordings.

And what he found changed EVERYTHING.
In today's #ExpertsFightClaims 👇

#insurance #healthinsurance #claims #claimdenied It was meant to be a peaceful winter trip for a man in his late 40s, seeking a short break in the hills.

But on a December morning in 2024, everything changed.

He collapsed suddenly and had to be rushed to the hospital.

The diagnosis? A severe ischemic stroke.
An emergency that needed immediate, critical care.

🚨Will you be affected if you bought a policy from Acko?

That’s the question everyone’s asking after Acko got hit with a ₹1 crore penalty by IRDAI.

Now, here’s the real story - what happened, and what it means for you 👇

#insuranceupdates #InsuranceNews #IRDAI #insurancecompany Acko General Insurance was fined ₹1 crore by the IRDAI, India’s insurance regulator.

Because the insurer had multiple regulatory lapses.

This raised serious red flags on Acko’s governance and compliance practices.

🚨 New update alert - cashless treatment now available up to ₹1.5 lakh
For road accident victims nationwide!

How can this be availed?

We’ve simplified everything.
Read this before hitting the road 👇

#update #insurance #roadaccident #indianroad #roadsafety India has only about 1% of the world’s vehicles…
🚨 But nearly 6% of global road accidents happen here.

And the biggest reason? Over-speeding.
(Source: Ministry of Road Transport and Highways)

₹16.5 lakh claim finally passed after 8 years of fight!!

When this man lost vision in one eye after a brutal accident, his personal accident insurance promised support.

But slashed his claim by 70%! 😳🚨

What followed was a relentless battle of rights.

Here’s a very inspiring case to make you day :)👇

#Insurance #ConsumerRights #ConsumerCourt #RoadAccident People buy insurance policies to make sure that when they get stuck in a difficult position, they have a hand to hold on to. 🤝

But for this man, the insurance policy itself turned into a battle.

🚨 IRDAI caps premium hikes for seniors - but with a BIG catch.

The 10% annual cap won’t apply to all senior citizens.

So, who is protected? And who isn’t?

Let’s break it down 👇 On Jan 30, 2025, IRDAI issued a circular stating:

✅ Health insurance premiums for senior citizens can’t be hiked beyond 10% per year
✅ Any hike above that needs IRDAI’s prior approval

https://x.com/BeshakIN/status/1884960015838273542

🚨 Insurer rejected a 9-year-old girl’s health insurance claim.
Saying, she had a pre-existing condition.

And her own mother herself confessed to it!

Still, Ombudsman asked the insurer to pay the claim.
Whaaat-whyy?! 😳

Let’s break down the story in S01E75 of #ClaimStories 👇 Seeing your child in the emergency room is one of the most stressful situations a parent can go through. 💔

But it's even more heartbreaking when the one support system you rely on - your health insurer - turns its back on you.

This is the story of Abha Shah, a mother who faced just that.

🚨 ~70% of health insurance customers are unaware of their rights.

Don’t be one of them. ❌

Here are 10 essential rights EVERY health insurance consumer must know. 👇

#healthinsurance #insurance #rights 1️⃣ Right to lifelong renewability

Your insurer cannot deny policy renewal due to age or past claims.

They can deny renewal only if:
• You committed fraud or misrepresented fact
• You bought the policy with the intention to make a false claim

A man bought two life insurance policies for his brother’ 💰💔

But when tragedy struck, the insurer said - brother cannot claim the money! 😨

Why? Because of ONE MISSING SIGNATURE.

What happened next?

Find out in S01E71 of #ClaimStories  👇 Everyone who buys life insurance has their own unique cause behind it.

Some get it to secure their family's future, others, to protect their families against financial burdens like debts.

But what if this security is taken away just because of one missing signature?  😦

That’s what happened in today’s story…

A single mistake by the hospital turned into a claim rejection. 🚨

The hospital called it an error.
The insurer called it fr@ud!
The patient’s wife called it unfair.

Only the Ombudsman could settle the dispute.

What was the verdict?
Find out in S01E70 of #ClaimStories 👇 We buy health insurance so that in the harsh times when we or our family need care and healing, we don’t have to worry about finances.

But sometimes, even a small confusion can turn this assurance into another battle.

Something similar happened with Sheila Devi…