One the the worst insurance companies is Apollo Munich. First incident is that the medical test done showed fasting blood sugar 84 mg/dl. To be honest we declared pre -existing illness as Diabetes. They rejected the application. reason sighted "Diabetes".
In another incident in my family is that all medical test were normal and still rejected. reason High BMI. Hence this guys want to give insurance only for the most healthy people. Waste of time, waste of money for the medical test etc.