Nikhil Jhaa

Hercules Advisors,Health+Life Insurance Expert

DM to set up an appointment
Email us on [email protected]

[Gems of Hyderabad @gemsofh]

@NIKHILLJHA One of my office colleague had a severe illness. Hospital Bill was 20L. No insurance. Savings gone in just 1 year. Now no one is ready to give insurance.

We don't teach financial education to children in our schools or colleges. Reason why many Indians loss their wealth easily

[Shreya Shah @ShreyaShah22]

Myth:-
Atta Noodles are better than 2-minute noodles

Fact:-
Atta Noodles are marginally better than 2-minute noodles,
The whole wheat flour used in Atta Maggi undergoes heavy factory processing, stripping away much of its natural nutritional value.

But both ultra processed and contain high levels of sodium & preservatives

Regular consumption of both should be clearly avoided!

[Nikhil Jhaa @ptzht7]

🚨 Portability Restrictions-Niva Bupa Reassure 3.0

Most insurers are restricting portability into new policies,

Starting July 1
Niva Bupa now changes guidelines for porting to an unlimited sum insured in Reassure 3.0,

For anyone above 60 years trying to port into Reassure 3.0,

[Nikhil Jhaa @ptzht7]

🚨Why does buying a health insurance policy early matter?

We have had followers who reached out to us
🏦Age:-34,
🏦Diagnosed with minor Coronary Artery Disease(CAD),
🏦Struggling to find a comprehensive policy with coverage of all diseases,
He is ready to pay any premium amount!

[Nikhil Jhaa @ptzht7]

🚨Bank mis-selling insurance?-RBI says no more!🔴

Taking a loan?
❌Bank forced to buy an insurance policy

Taking a locker?
❌Bank forced to buy an insurance policy?

RBI has now implemented changes to stop Banks from mis-selling insurance

A thread🧵on RBI rules and what to do

[Nikhil Jhaa @ptzht7]

Here is how the new RBI rules help ur problem👇

(8/9)

[Nikhil Jhaa @ptzht7]

📢 Save this thread and share it with your friends and family!

Don't let banks bully you into paying for unwanted policies.

Know your rights, stay informed, and fight back! 🛡️

(9/9)

[Nikhil Jhaa @ptzht7]

🚨Low premium=Claim Disaster!

A follower approached us last year,

He wanted to buy a policy for his family,

Eventhough he had a decent income,
He didnt want to pay too much premium,

We suggested to him HDFC Ergo Optima Secure,
We suggested adding a 25,000 deductible,

[Nikhil Jhaa @ptzht7]

One of our follower stucked with a claim of 22 .77 lkhs …

He msgd us for help , we understand at crucial time u need help and hand holding … msgd him his requrmnt , he submittd and then within a 2 hour time his entire claim of 22.77 lkhs got approved…

In actual his claim

[Nikhil Jhaa @ptzht7]

She offerd us money , but we are here for blessings..

One of my follower wife went for dialysis because of high creatine level ..

And his husband reached out to us .. with just simple request note to prcss claim as it was pending from last 3 days ..

He had taken policy via

[Nikhil Jhaa @ptzht7]

One of my very good client taken policy in 2022

For 25 lkhs premium was 16k

In 2025 he argued with me that he is wasting money on high sum insured policy last year at renewal…but somehow he renewed with same cover last year in November…

Yeasterday he called me that brain

[Nikhil Jhaa @ptzht7]

This is more than crime …

One of my follower had liberty insurance topup policy… and a visitor visited his home to verify and collect details .. he asked any official mail from liberty can u give ?

That is not something confidential or unethical to ask for ..

But this had

[Nikhil Jhaa @ptzht7]

claim got rejected at 6 in the evening ...too much stress

First word from us was Relax… will get it done .,. It was not just word a confidence that we will get it done …and we did

but at night at 9;45 claim got approved for 5.70lkhs...

orthopedic surgery was their earlier

[Nikhil Jhaa @ptzht7]

New technique to get claim settled:-

❌Claim got rejected
😡Enraged customer posts on social media
🏦Outrage forces the insurer to settle the claim,
This has happened with too many people,

Social media should not drive claims for people,
The entire health and Life insurance

[Nikhil Jhaa @ptzht7]

🚨Private Hospitals' crazy charges-A scam looting the middle class!

Competition Commission of India(CCI) says leading Delhi hospitals earned 1737% margins on medicines and consumables by forcing patients to take medicines from in-house pharmacies

So basically,
A Rs 100 Medicine

[Nikhil Jhaa @ptzht7]

Over the last 6 months,
Insurers like Star Health have increasingly started rejecting cashless claims to say:-

"Liability cannot be ascertained at this stage, hence the cashless claim stands rejected.
Request you to apply for possible reimbursement with complete hospitalization

[Nikhil Jhaa @ptzht7]

🚨High base Sum insured or Base+Super top up?

Most people are confused,
Should u choose a combo of base+super top up or a higher sum insured?
Is base+super top-up cheaper?

Let's look at ICICI Lombard Elevate+Activate Booster and compare:-
(We have chosen these as they have no

[Nikhil Jhaa @ptzht7]

🚨 Policy Analyser Series-Top comprehensive plans🚨

HDFC Ergo Optima Secure+
V/s
Niva Bupa Reassure 3.0

These policies come with unique features
🩺Optima Secure+ comes with 2x cover from day 1 and 100%

[Nikhil Jhaa @ptzht7]

10 minutes ago,
A customer approached us,

His father had a brain stroke,

We asked him to be calm(easy to say but difficult for him),
Admit his father to the hospital,
And we will take care of the claim tomorrow.
We have already informed the insurer of the incoming claim,
We

[Nikhil Jhaa @ptzht7]

Health Insurance is very very complex🤯🤯

From,
Checklist to buy health insurance to
Room Rent limit to
Policies for Senior Citizens,

I have written 23 threads simplifying health insurance

A thread🧵of threads on all topics simplifying health insurance👇