I opted for Aegon Religare term insurance plan due to low premium and simple net premium payment procedure after lot of comparison. After medical tests, I got email saying 50% premium increased due to high cotinine level(means though I am non smoker, medical tests said I am smoking).
I thought it is marketing gimmick of Aegon to attract customers first and then increase the premium. After going through Mouthshut review, many customers suggested for asking for medical report and retest with known medical lab. I requested for the same and Aegon shared the medical results and agreed for retest without any hesitation. Within few days, Policy is issued without any increase in premium.
Though no apologies or call received for this trouble from agency.