Social media for Insurance, sorted.
A month of posts written for your line of work: the caption, the hashtags, what to photograph and the day to post. Answer six questions and the first month is free.
Where your plan focuses
The platform and content mix SahiPost starts from for this trade. It is a starting point, not a rule.
Platforms
What you post
A sample post
This is the kind of post that lands in your plan, here for Instagram.
Myth: A higher sum insured is the only thing that matters in health cover. Fact: Room rent limits, sub-limits, waiting periods and co-payment change what you actually receive far more than the headline number does. Exceeding a room rent limit can proportionately reduce the entire claim, not just the room charge. People find that out on the day it matters. Read those four things before you look at the sum insured. General information about insurance concepts only. This is not advice on any specific policy. Please read the policy document for terms, conditions and exclusions.
Photo brief. Split card, plain and serious. Red MYTH half, green FACT half, typographic only. No imagery of families, hospitals or rupee symbols with upward arrows.
Myths your customers believe
Posts that correct a myth earn trust. Your plan includes them, with your business name attached.
Myth. Life insurance is an investment
Fact. Pure term insurance is protection: it pays if you die during the term and nothing if you do not. Products that combine investment and cover usually do both less efficiently than doing them separately.
Myth. Employer health cover is enough
Fact. It ends when the job does, which is often exactly when it is hardest to buy fresh cover. It also rarely covers parents adequately.
Myth. Declaring a health condition means the policy will be refused
Fact. Non-disclosure is the commonest reason claims are rejected. A declared condition may mean a loading or an exclusion, and it means the cover actually works.
Myth. Claims are usually rejected, so insurance is a gamble
Fact. Most rejections trace back to non-disclosure, a lapsed policy or a condition in the document that was never read. Those are avoidable at the buying stage.
How to read a health policy before you buy it
- Find the room rent and any sub-limits before looking at the sum insured
- List every waiting period and what it applies to
- Check the co-payment and whether it increases with age
Questions your customers ask
What is the difference between term insurance and an endowment or ULIP?
Term insurance is pure protection with no maturity value. Endowment and unit-linked plans combine cover with savings or investment. Which suits you depends on your goal, and the two should be compared on that rather than on returns alone.
Why do claims get rejected?
Most commonly non-disclosure of a medical condition or habit at proposal stage, a lapsed policy, or a treatment inside a waiting period. All three are visible at the buying stage if the document is read.
What is a room rent limit and why does it matter?
Many health policies cap the room category or daily room charge. Exceeding it can proportionately reduce the entire claim, not only the room component, which surprises people at the worst moment.
What are waiting periods?
Periods after purchase during which certain conditions are not covered. Pre-existing conditions and some specific treatments commonly carry them, and the durations vary between policies.
Should I disclose a condition I was treated for years ago?
Yes. Disclose everything asked, fully. The cost of a loading or an exclusion is far smaller than the cost of a claim rejected for non-disclosure.
How do I keep my policies findable?
One folder with every policy schedule, the insurer's claim number, and the nominee details, and one person in the family who knows where it is. Digital copies in a shared location help.
What is a free-look period?
A window after receiving the policy in which you may return it if the terms are not what you understood, subject to conditions. Read the document during that window rather than filing it.
How often should I review my cover?
After any change in income, family or health, and otherwise once a year. Cover bought for one stage of life often does not fit the next.
Hashtags to start with
Ready for a month of posts?
Six questions, about two minutes. No card, and the first month stays free.