Sanjay Yadav

Founder@ Smart Network | Insurance Professional | 16 Years | Trained 15,000+ Insurance agent | 2300+ RejectedClaim Settled | [email protected]

[Sanjay Yadav @SanjayYada7n]

🚨 He bought the policy from Policybazaar.
The insurer was Care Health.. But when his claim became difficult, he came to us.

On 12 June 2025, Mr. Pradeep Desai approached us for help with his health insurance claim.

His policy was:

👉 Purchased through Policybazaar
👉 Insured by Care Health Insurance
👉 Not sold by us

We didn’t ask:

“Policy humne bechi thi kya?”

We asked:

“Claim mein problem kya hai?”

And then the real work started.

📄 Documents
🏥 Medical records
📞 Follow-ups
🔁 Continuous coordination

It wasn’t a one-day process.

There was a long fight before the claim finally reached its conclusion.

And finally…

💰 ₹4,65,000 claim approved
📅 17 August 2026

But what happened after the settlement is what I’ll remember.

Mr. Pradeep personally came to meet us.

Not to buy another policy.
Not because he had to.

He came simply to say:

🙏 “Thank you.”

🎥 Watch his video.

Sometimes, a customer’s own words are more powerful than anything we can write.

This is why I say:

Insurance is not just about selling a policy.
It is about standing with the customer when the policy actually needs to work.

The policy may have been bought through Policybazaar.

The insurer may be Care Health.

But when this customer needed help with his claim,

he chose to come to us.

And that trust means everything. ❤️

If you’re someone who has a health insurance policy, follow me.

I regularly share real claim stories, policy mistakes, exclusions and lessons that can help you before you need to use your insurance.

Because understanding your policy today can save you from a lot of stress tomorrow.

#HealthInsurance #InsuranceClaim #Policybazaar #CareHealthInsurance #ClaimSupport #InsuranceAwareness

[Sanjay Yadav @SanjayYada7n]

@SwipeRoamGrow 👍

[Sanjay Yadav @SanjayYada7n]

Here are 10 reasons Question and answer.

why people delay buying health insurance:👇

1. I’m healthy, nothing will happen to me.
Ans- Great you are healthy but That’s the correct time to buy Insurance. insurance is not for when you are unhealthy.

2. My company already provides health insurance. ( 3L to 8L )
Ans- Your Job is not permanent- what after retirement ? you might have list of diseases and you will rejected that time for health insurance. Better buy now.

3. I’ll buy it later when I need it.
Ans - Nothing more important then you life and health saving first.

4. Premium is too expensive.
Ans - It’s myth any premium which is less-than 5% of your annual income Is doable.

5. I have other financial priorities right now.
Ans- But what if your health suddenly ditches you? Your priorities may change overnight.

6. I don’t understand which policy is actually good
Ans - Do Study and find out good intermediary and buy it.

7. Insurance companies don’t pay claims anyway.
Ans - India Health Insurance Claims - FY 2024–25, Claims settled: approximately 3.26 crore of no of claims.
Amount paid: approximately ₹94,248 crore

8. I am NRI / OCI why to take now ?
Ans - NRI gets health Insurance In India at 40% discounted rate - what if tomorrow when you want it and you are not eligible ?

9. My parents are healthy, we’ll think about their insurance later ?
Ans - When parent’s are healthy that’s the perfect time to buy .. later pay more or exclusion or permanent rejection.

10. I’ll buy it after when I get married / have children / earn more ?
Ans- What if tomorrow you mat not eligible to get it ? buy Now.

👉Health & Term Insurance is not choice.. It’s Mandatory have it for yourself and family.

#India #Insurance #HealthInsurance

[Sanjay Yadav @SanjayYada7n]

@psriraghu @SosaAkash Dm

[Sanjay Yadav @SanjayYada7n]

@nmverma @SosaAkash Dm

[Sanjay Yadav @SanjayYada7n]

@VishalShet88809 Replied

[Sanjay Yadav @SanjayYada7n]

@vermapwan Dm

[Sanjay Yadav @SanjayYada7n]

@atul1602 @Stockstudy8 Thanks Atul

[Sanjay Yadav @SanjayYada7n]

🚨 79K+ followers on X @Stockstudy8 .. for his market insights, technical analysis and investing education.

He educates thousands about the stock market.

But when Ravi (@Stockstudy8) needed help with a ₹50,000 insurance claim, none of that mattered.

His insurer @IndusIndGenIn had cancelled the policy and rejected the claim.

He approached the insurer multiple times.

No solution.

He approached @Policybazaar multiple times.

Still no solution.

He even approached an outside professional.

Another closed door.

Everyone had said NO.

Then he approached us.

I personally reviewed his case, spoke to him, understood his experience and identified the gaps.

We decided to take it up.

We filed the case.
Followed up.
Helped him with the presentation.
And kept pushing.

4 months later…

₹50,000 CLAIM APPROVED. ✅

When everyone else had closed the door…

We knocked one more time.

This is why claim support matters.

Not when everything is going smoothly.

It matters when everyone else says NO.

Facing a difficult insurance claim?

#Insurance #HealthInsurance #Claims

[Sanjay Yadav @SanjayYada7n]

@savv_123456 @Stockstudy8 🤞👍

[ANI @ANI]

Deputy PM of the UAE, Sheikh Hamdan bin Mohammed bin Rashid Al Maktoum tweets, "During a visit to Captain Smit Machchhar, the flydubai pilot who embodied the highest degrees of courage, responsibility, and care for human life. From us, and from the leadership of the nation, he has our full appreciation and praise. We are proud that he is part of our team… part of the story of our nation… and part of what the UAE stands for… a nation of compassion… a nation of peace… and a nation of life."

[Sanjay Yadav @SanjayYada7n]

₹5 Lakh Health Insurance sounds big… until you actually need it.

A family thought ₹5 lakh was enough.

Then came a hospitalisation.

₹2.8L - room, surgery & hospital charges
₹1.4L - medicines & investigations
₹1.6L - post-hospitalisation

Total: ₹5.8 lakh.

The policy paid as per its terms.

The family paid the rest.

The problem wasn’t that they had insurance.

The problem was believing ₹5 lakh = ₹5 lakh of protection in every situation.

Know your policy before you need it.

[Sanjay Yadav @SanjayYada7n]

@Jami076152121 Dm la yaa..

[Sanjay Yadav @SanjayYada7n]

🚨 He bought the policy from Policybazaar.
The insurer was Care Health.. But when his claim became difficult, he came to us.

On 12 June 2025, Mr. Pradeep Desai approached us for help with his health insurance claim.

His policy was:

👉 Purchased through Policybazaar
👉 Insured by Care Health Insurance
👉 Not sold by us

We didn’t ask:

“Policy humne bechi thi kya?”

We asked:

“Claim mein problem kya hai?”

And then the real work started.

📄 Documents
🏥 Medical records
📞 Follow-ups
🔁 Continuous coordination

It wasn’t a one-day process.

There was a long fight before the claim finally reached its conclusion.

And finally…

💰 ₹4,65,000 claim approved
📅 17 August 2026

But what happened after the settlement is what I’ll remember.

Mr. Pradeep personally came to meet us.

Not to buy another policy.
Not because he had to.

He came simply to say:

🙏 “Thank you.”

🎥 Watch his video.

Sometimes, a customer’s own words are more powerful than anything we can write.

This is why I say:

Insurance is not just about selling a policy.
It is about standing with the customer when the policy actually needs to work.

The policy may have been bought through Policybazaar.

The insurer may be Care Health.

But when this customer needed help with his claim,

he chose to come to us.

And that trust means everything. ❤️

If you’re someone who has a health insurance policy, follow me.

I regularly share real claim stories, policy mistakes, exclusions and lessons that can help you before you need to use your insurance.

Because understanding your policy today can save you from a lot of stress tomorrow.

#HealthInsurance #InsuranceClaim #Policybazaar #CareHealthInsurance #ClaimSupport #InsuranceAwareness

[Sanjay Yadav @SanjayYada7n]

3 UNKNOWN PERSONS. SERIOUS INJURIES. AND A VERY SIMPLE QUESTION - WHAT ACTUALLY HAPPENED?

Rahul Yadav is our former employee.

On 30 Sept 2026, around 6:30 PM, he was allegedly assaulted in Kurla West.

The NCR filed at Vinoba Bhave Nagar Police Station says:

📄 NCR No. 1923/2026
👤 3 unknown persons
⚖️ BNS 115(2) & 352
⏰ Incident: 6:30 PM

But his medical documents record injuries including:

➡️ Significant injury/swelling around the right eye
➡️ Facial injuries
➡️ Reduced hearing in the right ear
➡️ ENT findings requiring follow-up

And Rahul says more people were involved.

So here’s the uncomfortable question:

If CCTV cameras were around the area, why shouldn’t the CCTV simply settle the question of WHO was there and WHAT happened?

No social-media trial.
No assumptions.
No naming innocent people.

JUST INVESTIGATE.

@MumbaiPolice @CPMumbaiPolice

Please:

🔴 Preserve & examine CCTV footage
🔴 Identify everyone involved
🔴 Record witness statements
🔴 Examine the medical & ENT reports
🔴 Establish the actual sequence of events
🔴 Take appropriate legal action based on the evidence

A case shouldn’t become “3 unknown persons” on paper and then stop there.

CCTV doesn’t take sides.
Medical records don’t take sides.
Witnesses don’t take sides.

So please investigate - and let the evidence decide.

Rahul was our former colleague.

We are not asking for favour.
We are asking for investigation.

Commissioner Sir- please look into this.. @MumbaiPolice @CPMumbaiPolice @DcpZone2Mumbai @dcpdhananjay1

@Dev_Fadnavis Sir @mieknathshinde Sir

#Kurla #Mumbai #MumbaiPolice #CCTV #Justice #LawAndOrder

[Sanjay Yadav @SanjayYada7n]

@Shrihanuman07 @policybazaar Thank you - Jai Shri Bajrang Bali ki Jay 🙏

[Sanjay Pal @SanjayPal127824]

Most Trusted Insurance Intermediary

[Sanjay Yadav @SanjayYada7n]

@San2587Singh Dm

[Sanjay Yadav @SanjayYada7n]

@prasad1104 @Stockstudy8 Thanks once again 😀

[Sanjay Yadav @SanjayYada7n]

@sandeepiroy @Stockstudy8 Just raising the Bar..

[Sanjay Yadav @SanjayYada7n]

When His Insurer @IndusIndGenIn left @Stockstudy8 with policy cancellation .. and Claim rejection.. Intermediary @policybazaar left.

He approached us ..

I personally Reviewed the case and had a call with him. Understood his points and gape and experience how to get a claim.

We file the case , follow up , help in presentation and Finally after 4month - We got justice for @Stockstudy8

Claim got approved for 50,000/-

[Ravi Prasad (RSP) @Stockstudy8]

If you fight, you win! The world bows, you just need to make it bow.

IndusInd General had wrongly rejected my genuine claim, thinking the customer will get tired and give up.

I fought, went to the Ombudsman and finally won the case!

Heartfelt thanks to @SanjayYada7n Yadav Sir & Team, when big companies @policybazaar left me alone, you held my hand and got me justice.

#HealthInsurance #ClaimRejection

[Ravi Prasad (RSP) @Stockstudy8]

If you fight, you win! The world bows, you just need to make it bow.

IndusInd General had wrongly rejected my genuine claim, thinking the customer will get tired and give up.

I fought, went to the Ombudsman and finally won the case!

Heartfelt thanks to @SanjayYada7n Yadav Sir & Team, when big companies @policybazaar left me alone, you held my hand and got me justice.

#HealthInsurance #ClaimRejection