This company charged almost 80, 000 rupees for 3 persons, one for myself, sister, and one for my mother who is a pensioner. After 3 years my sister went through the treatment of piles and we have spent more than 40, 000 on the procedure and medicines. The treatment comes under OPD. At first, they sent me a link to a breakdown of the bills which are accepted by them and which are not applicablele for reimbursement. After two days of GAMES played by the company on email and telephonic calls, I have decided to discontinue the insurance. Moreover, this company is such a FRAUD Company that they charged more premium after 3rd year without intimation, and without the consent of the payee, they deduct the money as it was bought through the Bank of Maharashtra. My mother went through the cataract procedure which is also not an INDOOR PATIENT type of treatment. This simply means that according to them, the insurance company will not at all reimburse anything. This company will have to bear the terrific response of their KARMA very soon. This is a COMPLETE FRAUD COMPANY.