*People are very rude, no one feels responsible and you need to wait for months for your claims
In the booklet hospitals list is more but fact is different. There is no such as that many hospitals and if you go for claim then u need to wait till your old age and their staff don’t know telephonic manners if you are serious then they will ask for more documents even after months completing which is not possible
So be ware of BHARATHI AXA(Heritage) insurance.*