Tanmeet Bhatia

Founder • Fairdeal Advisors
Simplifying Health | Term Insurance.
No jargon. No mis-selling.
Helping avoid claim mistakes.
📩 [email protected]

[Tanmeet Bhatia @InsureWithTan]

𝐁𝐢𝐠 𝐮𝐩𝐝𝐚𝐭𝐞

We now have our own domain & website 🌐
Still under construction… but something valuable is coming your way.

We’re building a space focused on quality, reliable, no-nonsense insurance insights — the kind that actually helps you make better decisions.

𝐌𝐨𝐫𝐞 𝐜𝐥𝐚𝐫𝐢𝐭𝐲. 𝐋𝐞𝐬𝐬 𝐜𝐨𝐧𝐟𝐮𝐬𝐢𝐨𝐧. 𝐑𝐞𝐚𝐥 𝐯𝐚𝐥𝐮𝐞.

Stay tuned 👀

And thank you for all the support — it truly means a lot 🙏

Tanmeet Singh
𝐅𝐚𝐢𝐫 𝐃𝐞𝐚𝐥 𝐀𝐝𝐯𝐢𝐬𝐨𝐫𝐬

[Tanmeet Bhatia @InsureWithTan]

Sorry to hear about this.

This is exactly why having a trusted advisor is important. Health insurance is not just about buying a policy—it's about having someone who can coordinate, follow up, and support you when things go wrong.

If you do not have an advisor to assist you during such situations, feel free to DM us. We'll be happy to guide and help wherever possible.

Hope your issue gets resolved soon.

[Tanmeet Bhatia @InsureWithTan]

Sorry to hear about this.

This is also a reminder that a health insurance policy should ideally be purchased through a trusted advisor and not just as an online transaction.

A good advisor doesn't just help you buy a policy—they assist with renewals, resolve technical issues, coordinate with the insurer, and stand by you when you need support the most.

If you currently do not have a trusted advisor to assist you with such situations, feel free to DM us. We will be happy to guide and support you throughout the process.

Hope your renewal issue gets resolved at the earliest.

[Tanmeet Bhatia @InsureWithTan]

Sorry to hear that. This is extremely stressful and frustrating for the family.

This is precisely why a health insurance policy should always be purchased through a trusted advisor and not treated as a one-time transaction.

During emergencies, having someone to follow up, escalate matters, and guide you through the claim process can make a significant difference.

If you currently do not have an advisor to support you during such situations, feel free to DM us. We will be happy to assist and guide you to the best of our abilities.

Wishing the patient a speedy recovery and hoping this issue gets resolved at the earliest.

[Tanmeet Bhatia @InsureWithTan]

@msharma_1 @drprashantmish6 @msharma_1 - Please feel free to reach out in case you need any kind of assistance.

[Tanmeet Bhatia @InsureWithTan]

@jakhar1303 @policybazaar @irdaindia Never buy policy online.

[Tanmeet Bhatia @InsureWithTan]

@wankhede_ash

Yes, absolutely. A person aged 75 years can definitely opt for the policy, provided they meet the insurer's eligibility and underwriting requirements. Depending on the case, certain medical tests may or may not be required before issuance.

[Tanmeet Bhatia @InsureWithTan]

@honestaxpayer1

Sorry to hear about your policy being cancelled.

If the issue is not resolved and you would like assistance with a fresh policy, I would be happy to help you arrange a new cover for either 3 years or 5 years, as per your preference.

Please feel free to reach out if you need any assistance. I would be glad to help in any way I can. There is absolutely no sales obligation from my side—my intention is simply to ensure that you have the coverage you need.

[Tanmeet Bhatia @InsureWithTan]

@ICICILombard Paying ₹15,000-20,000 out-of-pocket for "non-medical" hospital charges every time you get admitted? Claim Protector fixes that! DM me "CLAIM" and I'll help you select best policy as per your needs.

[Tanmeet Bhatia @InsureWithTan]

𝐘𝐨𝐮𝐫 ₹2𝟓 𝐋𝐚𝐤𝐡 𝐏𝐨𝐥𝐢𝐜𝐲 𝐂𝐨𝐮𝐥𝐝 𝐁𝐞 ₹𝟏.𝟓𝐜𝐫 𝐢𝐧 𝟓 𝐘𝐞𝐚𝐫𝐬—𝐖𝐢𝐭𝐡𝐨𝐮𝐭 𝐏𝐚𝐲𝐢𝐧𝐠 𝐄𝐱𝐭𝐫𝐚 𝐏𝐫𝐞𝐦𝐢𝐮𝐦! 𝐇𝐞𝐫𝐞'𝐬 𝐇𝐨𝐰

5 @ICICILombard Riders That Will Make You Rethink Your Health Insurance

𝐃𝐞𝐩𝐞𝐧𝐝𝐞𝐧𝐭 𝐀𝐜𝐜𝐨𝐦𝐦𝐨𝐝𝐚𝐭𝐢𝐨𝐧 𝐁𝐞𝐧𝐞𝐟𝐢𝐭
If you're hospitalized for 3+ days, ICICI Lombard pays ₹1,000/day (max 10 days) for a family member's stay nearby.

Example: Mr. Sharma from Delhi gets hospitalized for 7 days. His wife stays nearby for ₹800/night. ICICI Lombard covers the entire ₹5,600! Small thing, big relief for families .
𝐂𝐥𝐚𝐢𝐦 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐨𝐫 (𝐎𝐩𝐭𝐢𝐨𝐧𝐚𝐥 𝐀𝐝𝐝-𝐨𝐧)
Covers non-medical expenses that standard policies reject - the "IRDAI list of non-payable items" becomes payable!

Example: Ms. Patel's ₹2L claim includes ₹15,000 for items like food tray, sanitizers, gloves charges, attendants, toiletries. Without Claim Protector? DENIED. With it? FULLY PAID.

𝐈𝐧𝐟𝐢𝐧𝐢𝐭𝐞 𝐂𝐚𝐫𝐞 (𝐎𝐩𝐭𝐢𝐨𝐧𝐚𝐥 𝐀𝐝𝐝-𝐨𝐧, 𝐦𝐮𝐬𝐭 𝐨𝐩𝐭 𝐰𝐢𝐭𝐡𝐢𝐧 𝟐 𝐩𝐨𝐥𝐢𝐜𝐲 𝐲𝐞𝐚𝐫𝐬)

One claim during lifetime gets UNLIMITED coverage beyond your sum insured! One chance, unlimited protection .

Example: Mr. Kumar has ₹15L policy. Cardiac surgery costs ₹25L. Infinite Care activates - entire ₹25L covered! The catch? You get this "nuclear option" only ONCE, so use it wisely!

𝐑𝐨𝐨𝐦 𝐌𝐨𝐝𝐢𝐟𝐢𝐞𝐫 (𝐎𝐩𝐭𝐢𝐨𝐧𝐚𝐥 𝐀𝐝𝐝-𝐨𝐧)
Elevate base covers Single Private AC room. This rider lets you:
UPGRADE to Luxury Suite

DOWNGRADE to Twin-sharing (lower premium)

Example: You opted for Twin-sharing to save premium. But during emergency, only Private Room available. You pay the difference as "ratable proportion" of all medical bills. Sometimes downgrading isn't cost-effective!

𝐏𝐨𝐰𝐞𝐫 𝐁𝐨𝐨𝐬𝐭𝐞𝐫 (𝐎𝐩𝐭𝐢𝐨𝐧𝐚𝐥 𝐀𝐝𝐝-𝐨𝐧)
This is the GAME CHANGER! 🚀

• 100% of sum insured added as cumulative bonus EVERY YEAR
• NO reduction even if you make claims!
• Unlimited accrual - grows infinitely!

Example: ₹15L policy in Year 1 → ₹30L in Year 2 → ₹45L in Year 3... even if you claim every year! After 5 years = ₹90L coverage at ₹15L premium. That's the power of compounding in insurance!

#irdai #insurance

[Tanmeet Bhatia @InsureWithTan]

@ICICILombard How many of you knew your health insurance could increase 100% EVERY YEAR even if you claim?

[Tanmeet Bhatia @InsureWithTan]

@HDFCERGOGIC @Asan_research People often understand the value of health insurance only when they need to make a claim.

In your opinion, what's the biggest reason people delay buying adequate health insurance?

[Tanmeet Bhatia @InsureWithTan]

I would like to express my sincere gratitude to @HDFCERGOGIC for this Certificate of Recognition and for appreciating my efforts as the Zone Champion in the Fresh Premium category for May 2026.

A special thank you to @Asan_research for his consistent guidance, encouragement, and unwavering support throughout this journey.

I would also like to extend my heartfelt thanks to everyone who has supported, trusted, and motivated me along the way. Every conversation, every piece of advice, and every word of encouragement has contributed to this milestone.

This recognition is not just an individual achievement but a reflection of the collective support of all those who have been a part of my journey.

Grateful for this honour and looking forward to achieving many more milestones together.

𝐎𝐮𝐫 𝐩𝐫𝐨𝐦𝐢𝐬𝐞:

Honesty for everyone, every time. We are committed to helping all people with absolute transparency—no hidden agendas, no misleading advice, and zero misselling. Just the facts, delivered with your best interests at heart.

Thank you for all the support
@AmitabhJha3 @caniravkaria @tushar9590

[Tanmeet Bhatia @InsureWithTan]

Sir, main bhi ek customer hi hoon. Main insurance companies ka koi wakeel ya spokesperson nahi hoon.

Main bas apni understanding share kar raha tha. Isiliye maine pehli line mein hi likha tha "from my limited understanding" aur last mein bhi mention kiya tha "I might be wrong."

Jahan tak "gyaan pelne" ki baat hai, agar main khud hi keh raha hoon ki meri understanding limited hai, toh phir gyaan dene ka sawaal hi nahi uthta.

Aur maine kabhi yeh nahi kaha ki customer ko insurance ki technicalities samajhni chahiye. In fact, main toh khud maanta hoon ki patient insurance isliye leta hai taaki emergency ke time financial stress kam ho, na ki claim processing ke technical nuances samajhne ke liye.

Main toh sirf yeh samajhne ki koshish kar raha tha ki aakhir system mein gap kahan hai.

Baaki kisi ko bhi kuch bhi keh dena bahut aasaan hota hai. Lekin kisi problem ko objectively samajhna, uske root cause tak jaana aur phir constructive discussion karna utna hi mushkil.

Hum sab ka objective same hai—patient ko unnecessary hardship na ho. Agar meri understanding galat hai, toh main khushi se seekhne ke liye tayyar hoon.

[Tanmeet Bhatia @InsureWithTan]

@Asan_research I've noticed that whatever you think tends to become reality in 90% cases. It's something I've observed repeatedly over time.

[Tanmeet Bhatia @InsureWithTan]

The G7 was created to discuss some of the world's most serious challenges—economic stability, inflation, trade, energy security, geopolitical risks, and global cooperation.

Meanwhile, back home, millions are dealing with rising living costs, expensive healthcare, stagnant wages, and shrinking purchasing power.

Nothing wrong with diplomatic camaraderie. But citizens also expect leaders to return with tangible outcomes, not just viral photo moments.

For the average taxpayer, the question is simple:

Will these meetings make life more affordable, create better jobs, reduce inflation, or improve living standards?

Because while social media celebrates the optics, ordinary people are still waiting for the economics.

[Tanmeet Bhatia @InsureWithTan]

@ankit_investing @grok This is a positive step towards rational use of medicines and reducing self-medication risks.

Prescription-based access to syrups will help ensure proper diagnosis, correct dosage, and reduce misuse—especially in children and common cold medications.

[Tanmeet Bhatia @InsureWithTan]

Sir, I think the core issue here is not approval vs settlement—it’s the timing mismatch in how “available sum insured” is interpreted by the system.

If the sum insured was already exhausted, then ideally a ₹5.5 lakh pre-auth should not have gone through. This tells that at the time of approval, the system was still reflecting unreconciled or delayed utilisation data, showing assumed availability rather than the actual remaining balance.

Pre-auth is meant to enable treatment based on expected eligibility, but the final financial reconciliation of the policy often happens later, after full utilisation is updated. That’s when exhaustion gets flagged, and the shortfall surfaces.

So the real gap is not denial or approval—it is the lack of real-time sync between clinical authorisation and financial exhaustion tracking.

Until that alignment exists, this lag will continue to shift the burden to patients in high-value cases, despite prior approvals.

I might be wrong, doc!

But that's what I am assuming.

[Tanmeet Bhatia @InsureWithTan]

Crude goes up → prices increase immediately.
Crude goes down → “global factors” suddenly become complicated.

When crude oil was at $138, we were told high petrol prices are because of global markets.

Now crude is almost half at $80, but petrol is still above ₹100.

At some point, the explanation stops making sense to the common taxpayer.

Global crude prices move fast—fuel prices in India move selectively.

What doesn’t seem to move at the same speed is the benefit being passed on to consumers.

Whether it’s taxation, pricing formula, or policy design, the end result is the same:
the burden rarely reduces in the same proportion when global prices fall.
Maybe the real discussion should be less about “global factors” and more about why relief doesn’t reach the last mile consumer.

[Tanmeet Bhatia @InsureWithTan]

Sorry to hear about your experience.

However, as a policyholder, you are absolutely right to expect clear and timely communication.

I hope the support team looks into this on priority and ensures all updates are properly shared with you in writing so there is full transparency.

This is also exactly why having a dedicated insurance advisor helps. When communication breaks down between insurer and customer, an advisor can step in, track updates, and ensure nothing is missed.

If you don't have a dedicated advisor and need any help reviewing your policy or communication trail, feel free to DM us. We'll be happy to assist you.

Hope this gets resolved soon.