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Thank you so much for your kind words! We're thrilled to hear that Ashwin ji was able to guide you with the right advice and help you find the perfect health insurance plan. 🙏 If you also need unbiased advice from expert advisors, feel free to contact Beshak! Check the link in our comments for more details. 😊 #testimonial #customerreviews #beshak #experience #insurance

🚨 Big News for Senior Citizens! The Government just approved free health insurance for 6 crore citizens aged 70 and above. 🎉 Here’s what you need to know: ➡️ ₹5 Lakh health cover for seniors across 4.5 crore families - absolutely FREE! ➡️ A special card 💳 for easy access to benefits. ➡️ Additional ₹5 lakh cover per senior - no sharing with younger family members. ➡️ Still eligible even if they already have private health insurance or ESIC. This step ensures our elderly have quick access to much-needed healthcare. 🙌 What’s your take on this? Let us know in the comments! 👇 #healthcare #seniorcitizens #insurance #healthinsurance #update #news

What's the scariest 1-line horror story you have heard? For us, it's - "Ambulance is stuck in a traffic" 🚑🚨 Truly there's nothing more horrific than delayed medical assistance. The fact that a LIFE could have been saved, only if we could have taken faster actions. So in that crucial hour, what are the other options you can explore?? An important carousel. Swipe, read, share to spread awareness! And follow Beshak.org Insurance for such timely insights! . . . #notsponsored #ambulance #ola #uber #cabambulance #indiancabs #indiantraffic #healthcare #insurance #healthinsurance

India’s insurance sector v/s that of other countries! 🇮🇳 Creating this infographic was important for us. Because it specifically highlights just how far behind we are in not just having insurance, but also being aware about it. 😓 The big no. that you see is the insurance density - it measures the average spending on insurance by each person. High insurance density suggests that people are willing to invest in insurance products to protect their assets and mitigate risks. It reflects the level of financial awareness and the willingness to manage risks. But here comes the sad part… 🚨India’s insurance density stands at just $92 per capita, significantly lower than leading countries, like the Cayman Islands ($20,834), Hong Kong ($9,159), and the United States ($8,885). India’s Gross National Income (GNI) per capita is $2,380, which is also lower compared to the GNI of countries with higher insurance density. And both of these low nos. together suggest that insurance is not really a significant part of our financial planning. :( Increasing insurance awareness, improving product accessibility, tailoring offerings to meet people’s needs, etc. could help boost insurance density and bring it closer to global standards. And that’s what we aim to do at <BESHAK TAG>. Make insurance simpler, easier, and more honest. Make insurance a basic necessity, and not a privilege anymore. If you found this infographic insightful, please share it and spread awareness! :) And follow Beshak.org Insurance, for more! 🤍 . . . #insurancedensity #grossnationalincome #insurance #claims #awareness #infographic #visualdata #statistics #indiavsworld #globalindia #makeinindia

🚨 Update alert: GST on insurance is under review 🚨 Today, the GST Council, chaired by Ms Sitharaman and State Ministers, was expected to decide whether to reduce the tax on life and health insurance. But this crucial decision has been postponed until the next Council meeting in November. ⏳ To ensure a thorough evaluation, Finance Minister Nirmala Sitharaman has announced the formation of a Group of Ministers (GoM) tasked with reviewing the current 18% GST on life and health insurance policies. The Council wants the GoM to thoroughly assess the impact and propose practical solutions to ensure a well-informed decision in November. The GoM’s report is due by the end of October, and all eyes will be on what they recommend. To stay updated, keep following Beshak.org Insurance #gst #tax #insurance #breakingnews #government

What's the best health insurance for senior citizens? 👵👴 And who will be by their side, help them with claims in the crucial hour? Answered in the video! To get an expert who will handhold you or your parents throughout the insurance journey, check the link in our comments! :) And if you have more questions, just #AskBeshak . . #grandparentsday #financereels #parentsinsurance #seniorcitizen #parentsreels #financehacks #reelsindia #trendingreels 

Somewhere between fighting with siblings for modaks and counting calories before having one bite, we all grew up😔 But the spirit of festivities, the beats of the drum, and the joy in the air around never faded! :') Ganesh Chaturthi chya hardik shubhechha, to everyone celebrating 🥳 . . . . #GaneshChaturthi #GaneshChaturthi2024 #GanpatiBappaMorya #nostalgia #nostalgicmemes #funnymemes #memesindia #modak #thenvsnow

A Kerala policeman was riding a bike in a drunken state. And unfortunately, lost his life to a motorcycle accident. 💔 To seek a little support in grief, his family filed a claim for the group personal accident insurance that Udayakumar was covered under… But to their shock, the claim got rejected! 😓 Insurer said - “As per the T&C of the policy, accidental death of Udayakumar cannot be covered under the policy!” 🏢 The family couldn’t accept that rejection, and filed a case in Permanent Lok Adalat! ⚖️ To their relief, Lok Adalat gave a verdict in the family's favour. And asked the insurer to pay the claim.👩⚖️ But insurer was firm on their stand, and took the case further in Kerala High Court! 📃On the hearing day, insurer said that the Kerala government and insurance company had earlier signed an agreement, known as Memorandum of Understanding (MoU). 📃That MoU mentioned that - “if the person was under influence of drugs or alcohol at the time of accident, it won’t be covered under insurance.” 📃The same is mentioned in terms and conditions of Udayakumar’s insurance policy too. 📃Chemical Examiner's report shows that alcohol level in Udayakumar’s blood was far higher than the legal limit. 📃In many other past cases, where the person driving was under influence of drug/alcohol - court considered similar clause of exclusion valid. 📃Thus, the Permanent Lok Adalat’s verdict should be overruled! ⚖️ Judge heard everything and said that the MoU and insurance policy’s T&Cs both clearly state - “no compensation will be paid if the death/disability happens under influence of alcohol or drugs.” ⚖️ Thus the insurer is not liable to pay any compensation! Case closed! Beshak Takeaways open - ✅ When you step out on the road with a vehicle, you aren’t just responsible for yourself, but for others on the street too. Driving under any influence of drugs/alcohol can cause harm to both of you. So please, drive only when you are in the right state to do so. ✅ Driving while maintaining safety disclaimers and traffic rules not just keeps you safe from accidents and legal punishments - But also ensures higher chances of getting a claim in case of unfortunate accidents. ✅ Insurance companies have specific clauses that can exclude certain claims. Like how “being under influence of alcohol/drugs” was excluded in this particular case. ✅ Read your policy thoroughly and understand each and every such exclusion. They can put a significant impact on your claim approval and rejection. And for more such insightful real-life #ClaimStories , follow Beshak.org Insurance #justice #claims #don’tdrinkanddrive #roadsafety #safedrivesavelife #reallifestory #insurance #motorinsurance #bikeaccident

Update alert!! 🚨 Insurance Regulatory and Development Authority of India (IRDAI) just released the following important updates that you need to be aware of - 👉 Insurance premium to be paid only after Insurer accepts the proposal No upfront premium or deposit is needed with the proposal form, except for policies where risk cover begins immediately upon payment. 👉 Proposal and underwriting timelines Insurers must process proposals quickly. If additional details are needed, they must request them all at once within 7 days of receiving the proposal. Once they receive all the info, they should accept/reject the proposal within 7 days. 👉 Within 15 days of accepting the proposal, insurers must provide customers with the following documents at no extra charge: 🔺Policy document 🔺Proposal form copy 🔺Customer Information Sheet 🔺Medical reports (if any) 🔺Benefit Illustration Copy 👉 Once your proposal is accepted and the premium is received, your policy will be issued electronically. All electronic policies must be digitally signed for authenticity. If requested, insurers will also provide a physical copy of your electronically issued policy. 👉 Digilocker integration for seamless policy management Insurers need to ensure their IT systems are compatible with Digilocker, allowing you to easily store and access your policy documents digitally. 👉 Insurers must accept all Free Look Period Requests You have 30 days to review your policy after receiving it. Insurers must accept your cancellation request during this period, regardless of reasons. 👉 Insurers must process Endorsement Requests within 7 days During the policy term, you can change/update details, like address, nominee, contact info, etc. Insurers need to acknowledge and make these changes within 7 days. If not, you can file a complaint. 👉 Insurers need to assess suitability for Life Insurance Insurers will now assess your needs, income, affordability, and expected benefits before recommending any life insurance savings or annuity products. You can also choose any product independently if you prefer. 👉 For Health Insurance Portability, you need to apply at least 30 days before your policy renewal date Your application can still be processed if you apply up to 15 days before renewal. And, insurers CANNOT charge any extra fees for porting your policy. 👉 TAT for settling Health Insurance Claims Insurers must decide on your cashless authorization request within 1 hour and grant final authorization within 3 hours of receiving the hospital’s discharge request. 👉 Interest on delayed Claim Settlements If the insurance claim isn’t settled within the specified timeline, you’re entitled to interest at bank rate plus 2% from the date of intimation until payment. Insurers must pay this interest along with the claim amount. For more such timely updates, follow Beshak.org Insurance #breakingnews #IRDAI #insurance #news #update

Goooood morninggg Maaaaaaam! Only if you were as forgiving as our sweet teachers though 🥺🤍 . If YOUR manager spoke like your class-teacher, what would they say? Comment down below👇 Or else RED MARKS on your next performance review 😡✒️ #teachersday . . . #teachersday2024 #teachersdaycelebration #teachersdayspecial #teachersofindia #indianteachers #funnyteachers #funnymemes #corporatememes #officememes #officehumour