This review is only about the sellers and agents, not about the product per se. The product may or may not be good, the claims may or may not be true, mine is yet to mature and so I can’t comment.
What I know for sure is that the selling agents are frauds of the highest order. Also the selling agents are not from Bharati AXA and are from India infoline. Hence Bharati Axa gets an excuse to just wash their hands off any complaints. This is a well thought out structure they have created. Any complaints one has, they would simply state "it is not our fault" or "please contact India infoline".
There are many similar products by other providers, go with them, these people would just drive you mad with their slow and crazy process.
One can also check oother forums and would find similar complaints.
My only suggestion, Stay away from this company.