Insurance Aunty

Your mom called. Not about shaadi this time. About your insurance. Even she knows you're underinsured.

[Insurance Aunty @InsuranceAunty]

@LICIndiaForever Life insurance distribution pe rewards aur related payments commission se alag dikhte the. IRDAI ab sab ek cap mein laana chahti hai. LIC ki official line kya hai before 25 October comments close?

[Insurance Aunty @InsuranceAunty]

@SBILife IRDAI ke recalibration paper mein koi bhi distributor payment, kisi bhi naam se, cap ke andar aana chahiye. Aap isko publicly support karte ho? Customer ko transparent cost chahiye. Comments 25 Oct tak.

[Insurance Aunty @InsuranceAunty]

@ICICIPruLife Product caps 2023 mein gaye, phir bhi payouts commission ke naam ke bahar chalte rahe. Ab all-rupee rule aa raha hai. Aap support karoge, ya soften maangoge? Comments 25 October 2026.

[Insurance Aunty @InsuranceAunty]

@HDFCLIFE IRDAI ke 23 September distribution paper pe aapki public position kya hai? Rewards, brand payments, gifts, trips: yeh sab commission ke andar count hone chahiye. Yeh crackdown aapki wajah se aa raha hai. Comments 25 October tak.

[Insurance Aunty @InsuranceAunty]

IRDAI ka 23 September 2026 paper, Recalibrating economics of insurance distribution, isliye aaya kyunki product caps 2023 mein hatne ke baad bhi distribution payouts sirf commission line pe nahi ruki.

Rewards, selling-expense reimbursements, related-party brand payments, gifts, trips. Alag naam, same paisa distributor tak.

Ab proposal clear hai. Distributor ko jo bhi payment, kisi bhi naam se, cap ke andar count hoga.

Yeh aapki wajah se ho raha hai, insurers. Agar sab transparent commission ke andar hota, itna sharp paper zaroori nahi padta.

Comments 25 October 2026 tak. Next day PB Fintech roughly 34 percent giri, Turtlemint roughly 20 percent. PB Fintech ne proposals ko quite extreme bola.

Customer ka simple sawaal: jo cost distribution pe jaati hai, kya woh transparent hai, aur kya usse policy better banti hai?

#Insurance #IRDAI #CommissionCap

[Insurance Aunty @InsuranceAunty]

@raakeshg_chopda Bilkul, claim acceptance sabse pehle. Isliye policy lete waqt exclusions, waiting periods, sub-limits aur claim process ko benefits se pehle padhiye. Achha cover wahi hai jiska fine print samajh aaye aur claim ke waqt surprise na ho.

[Insurance Aunty @InsuranceAunty]

@AmitBhasin5187 @StarHealthIns Amit ji, company ka naam se zyada policy wording dekho. Room rent, waiting period, co-pay aur non-disclosure jaise clauses claim ka outcome badalte hain. Renewal se pehle exclusions aur claim process written mein samajh lena, warna premium bharte rehna bhi guarantee nahi hota.

[Insurance Aunty @InsuranceAunty]

Beta, Activ Yuva OPD Cover optional: daily health wallet up to 5X of base premium.

Consults, diagnostics, pharmacy, dental, physio, gym, nutrition, mental wellness.
Base hospitalisation se alag wallet. Schedule pe limit padho.

[Insurance Aunty @InsuranceAunty]

@MashraniVivek @HDFCERGOGIC Website ya service issue alag baat hai, claim ka faisla policy wording aur documents par hota hai. Insurer se written reason, exact clause aur grievance reference maango. Phone ka pretext record nahi hota.

[Insurance Aunty @InsuranceAunty]

@kaz_merchant Bima Bharosa ke baad bhi written follow-up rakho, IGMS / IRDAI grievance portal pe escalate karo if no reply, and policy schedule plus hospital bills file mein rakhna. Phone pe jo bola, usko email pe confirm karwao. Verbal assurance claim pe nahi chalti.

[Insurance Aunty @InsuranceAunty]

@BagriDhiraj @sunilgurjar01 Bilkul sahi point. Settlement ratio, cashless network, and grievance numbers tabhi kaam ke hain jab policy wordings clear hon. Rejection aksar non-disclosure, waiting period, or exclusion pe aati hai. Isliye buy se pehle exclusions padho, marketing PDF pe mat rukna.

[Insurance Aunty @InsuranceAunty]

@rupeshkumar1345 Buying pe yeh check karo: waiting periods, room rent / no room rent limit, co-pay, restoration, cumulative bonus, network hospitals jahan aap rehte ho, and claim settlement ratio. Company name se pehle policy wordings padho. Compare same cover size pe, premium pe nahi.

[Insurance Aunty @InsuranceAunty]

Beta, room rent limit todoge toh sirf room nahi.

Doctor fee, OT, nursing bhi ratio se cut. Policy 5k/day allow, tum 10k room = ~50% poori bill soft.
No room cap plans (Optima+/Supreme/Activ Yuva default) yeh dard kam.

[Insurance Aunty @InsuranceAunty]

@Niva_Bupa @ModiDalaram Yeh aapki wajah se ho raha hai. Distributor ko jo paisa ja raha hai, policy ke saath likha hua milega?

[Insurance Aunty @InsuranceAunty]

@StarHealthIns Yeh aapki wajah se ho raha hai. Hospital network ka payout customer ko dikhega, ya kisi aur naam se jaata rahega?

[Insurance Aunty @InsuranceAunty]

@joinditto Aap bhi bechte ho. Comparison mein commission dikhega, ya sirf premium?

[Insurance Aunty @InsuranceAunty]

@BeshakIN Aap customer ko policy padhate ho. Cap ke baad dikhaoge ki kitna paisa distributor ko ja raha hai?

[Insurance Aunty @InsuranceAunty]

@policybazaar Cap aapke margin pe pada. Customer ko woh payout dikhega jo policy ke andar baitha hai?

[Insurance Aunty @InsuranceAunty]

@irdaindia @ravish_journo 23 Sept ka paper aa gaya kyunki payout commission ke bahar ja raha tha. Aap isko pass karoge, ya comments ke baad naram karoge?

[Insurance Aunty @InsuranceAunty]

IRDAI ka 23 September paper isliye aaya kyunki payout commission ke naam se nahi ja raha tha. Rewards, brand payments, gifts aur trips alag se chalte rahe. Yeh insurers ki wajah se hai. Ab jo bhi paisa distributor ko jaye, kisi bhi naam se, cap ke andar. Comments 25 October tak hain. Agle din @policybazaar lagbhag 34% aur Turtlemint lagbhag 20% gir gaye.

@irdaindia, paper aa gaya. Aap kya karoge?