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[Beshak.org Insurance 🧐 @BeshakIN]

🚨 Something big just happened in insurance and almost no one is talking about it.

IRDIA held a crucial meeting to fix one of the biggest pain points in the industry: slow and frustrating grievance resolution.

Here’s the breakdown. 🧵👇

[Beshak.org Insurance 🧐 @BeshakIN]

@junoesque @rooftopsodapop Thank you so much for your kind words! 😊 We're really glad to hear you've had a great experience. We'll be sure to pass your appreciation on to the advisor.

[Beshak.org Insurance 🧐 @BeshakIN]

And before you go -
Do spread the word by reposting the first tweet 💚

It spreads awareness, helps people make better financial decisions, and gives our team a small but meaningful boost of motivation 🙏

[Beshak.org Insurance 🧐 @BeshakIN]

Sharing a success story from our team

A 54K Dengue claim was rejected.
A follower fought and won the case with Ombudsman.

8 months ago, he reached out to Beshak’s Free Claim Helpdesk with a rejected claim.

Customer had first applied for cashless, which was rejected.
Insurer said “admission for evaluation and investigation is excluded”

But the medical papers told a different story.
Customer had Dengue + chikungunya together.
Persistent high fever.
Liver inflammation.
Blood in urine.

We asked him to get a letter from the treating doctor on the hospital letterhead.
Still the insurer rejected, and asked customer to go for reimbursement.

After multiple back and forth, even a physical investigation, the claim was again rejected for missing documents, when no more documents were available.

Our research team helped him file a case with Ombudsman.
Finally, in June 2026, he came back with the update.

The Ombudsman passed the final award completely in his favour.

Yet, it took multiple submissions, a field investigation, and finally an Ombudsman complaint to get it resolved.

That’s not how health insurance should work.
Till it doesn’t, you have the Experts at Beshak who are going to make it work for you.

[Beshak.org Insurance 🧐 @BeshakIN]

Sharing a success story from our team

A 54K Dengue claim was rejected.
A follower fought and won the case with Ombudsman.

8 months ago, he reached out to Beshak’s Free Claim Helpdesk with a rejected claim.

Customer had first applied for cashless, which was rejected.
Insurer said “admission for evaluation and investigation is excluded”

But the medical papers told a different story.
Customer had Dengue + chikungunya together.
Persistent high fever.
Liver inflammation.
Blood in urine.

We asked him to get a letter from the treating doctor on the hospital letterhead.
Still the insurer rejected, and asked customer to go for reimbursement.

After multiple back and forth, even a physical investigation, the claim was again rejected for missing documents, when no more documents were available.

Our research team helped him file a case with Ombudsman.
Finally, in June 2026, he came back with the update.

The Ombudsman passed the final award completely in his favour.

Yet, it took multiple submissions, a field investigation, and finally an Ombudsman complaint to get it resolved.

That’s not how health insurance should work.
Till it doesn’t, you have the Experts at Beshak who are going to make it work for you.

[Beshak.org Insurance 🧐 @BeshakIN]

@Munish63007 @themahavir Hi! The order was passed on 4 June 2026 by the District Consumer Disputes Redressal Commission-VIII (Central), Delhi, in Consumer Complaint No. DC/77/CC/352/2024. You can read the court order here: https://t.co/ls944QSjJU

[Beshak.org Insurance 🧐 @BeshakIN]

We understand your concern. As per IRDAI’s guidelines, the GRO of your insurance company is required to address your complaint within 15 days of receiving it. If you don’t get any response or are unsatisfied with their response, you can escalate further to redress the complaint. You can check this guide for help: https://t.co/4Po003YV3e

[Beshak.org Insurance 🧐 @BeshakIN]

@harishmani87 @NivaBupaSupport @Niva_Bupa @NIKHILLJHA @joinditto This is concerning. We had discussed this issue earlier: https://t.co/6vGN9UUFNR . Given the current situation, having an experienced Expert to guide you through the process can help you make informed decisions and provide greater peace of mind.

[Beshak.org Insurance 🧐 @BeshakIN]

🚨 Dark tricks during health insurance renewal

From sneaky add-ons to hidden health declarations
These could cost you BIG! 😱

A must-read thread! 🧵👇

[Beshak.org Insurance 🧐 @BeshakIN]

And before you go -
Do spread the word by reposting the first tweet 💚

It spreads awareness, helps people make better financial decisions, and gives our team a small but meaningful boost of motivation 🙏

[Beshak.org Insurance 🧐 @BeshakIN]

Deep diving on Bonus in Health Insurance

Insurers have gotten creative with offering bonus too.

And this is where many people get confused. 👇

[Beshak.org Insurance 🧐 @BeshakIN]

Our recommendation:

Don’t let bonus make you under-insure yourself.

Buy an adequate sum insured first.

Then treat the bonus as an extra layer.

Don’t buy a smaller base cover only because the policy offers a bonus.

[Beshak.org Insurance 🧐 @BeshakIN]

Found this helpful?

Retweet the first tweet below to share it with others. 👇

And follow <tag> for more simple insurance explainers.

[Beshak.org Insurance 🧐 @BeshakIN]

Another thing to know:

An insurer can withdraw a product, add-on or feature after following the required internal and regulatory process.

This usually happens when the insurer believes the current terms or pricing are no longer sustainable.

So, please note that features like bonus may be removed along with the product you bought.

[Beshak.org Insurance 🧐 @BeshakIN]

One very important point:

Bonus does not automatically improve other financial limits in the policy.

For example:
Room rent limit.
Disease-wise sub-limits.
Modern treatment limits.
Maternity limits.
Other benefit limits.

These may still be calculated as per the base sum insured.

[Beshak.org Insurance 🧐 @BeshakIN]

Also remember this:

If you ever port or switch your policy, don’t assume your accumulated bonus will continue exactly as it is.

The new policy may treat it differently, and you will have to pay for the free cover accumulated.

So, always check how the bonus will be adjusted, whether any new conditions apply, and how much cover will actually be available after the switch.

[Beshak.org Insurance 🧐 @BeshakIN]

Example - Say your base cover is Rs 10L.

Your policy has a room rent limit of 1% of base sum insured.

So your room rent limit is Rs 10,000.

Now, because of bonus, your available cover becomes Rs 15L.

This does not automatically mean your room rent limit becomes Rs 15,000.

It may still remain Rs 10,000.

[Beshak.org Insurance 🧐 @BeshakIN]

But “unlimited bonus” does not mean unlimited claim payment.

Your claim will still be paid as per policy terms.

Room rent limit, sub-limits, waiting periods, and other T&Cs - all of these still matter.

[Beshak.org Insurance 🧐 @BeshakIN]

Some newer plans may not put a maximum cap on bonus accumulation.

This is often marketed as “unlimited bonus”

So, the bonus will keep getting added every year - as long as you keep renewing the policy.

[Beshak.org Insurance 🧐 @BeshakIN]

Deep diving on Bonus in Health Insurance

Insurers have gotten creative with offering bonus too.

And this is where many people get confused. 👇

[Beshak.org Insurance 🧐 @BeshakIN]

So far, we spoke about when the bonus increases or reduces.

But there’s one more thing to check:

How far can this bonus grow over the years?

Most health insurance plans put a cap on bonus accumulation.

For example - Bonus can increase up to 100% of base cover. Or up to 500% of base cover.

[Beshak.org Insurance 🧐 @BeshakIN]

Our recommendation:

Wherever possible, prefer a guaranteed bonus over a reducing bonus.

Because a bonus is most useful when your family actually starts using the policy.

With a reducing bonus, your cover can drop after a claim - exactly when your medical needs may be increasing.

A guaranteed bonus is more dependable because it continues to grow as per policy terms, whether you claim or not.

[Beshak.org Insurance 🧐 @BeshakIN]

3️⃣ Guaranteed Bonus

Here, the bonus increases every year whether you claim or not.

No claim?
Bonus increases.

Made a claim?
Still, bonus increases.

It is guaranteed as per the policy terms.

[Beshak.org Insurance 🧐 @BeshakIN]

Example.

You have Rs 10L base cover + Rs 5L bonus.

You make a claim during the year.

At renewal, your Rs 5L bonus may continue.

But you may not get an additional bonus for that year.

So your cover remains Rs 15L instead of dropping back to Rs 10L.

[Beshak.org Insurance 🧐 @BeshakIN]

2️⃣ Bonus that does not decrease

Here, your bonus increases when you don’t make a claim.

But if you make a claim, the bonus does not reduce.

You may simply not earn a fresh bonus for that year.

This is better than a bonus that reduces after a claim.