Dont ever waste your money with this insurance company. When any claim comes, they never approve the claim and on false pretext they will reject the claim. I suggested my 4 of my friends to take this policy. Among one of then also faced the same issue as mine. They will work overtime to put some false information to reject the claim. Form me and my friend they used the same reason, stating that that person insured had history of Diabetes and Hypertension and rejected the cashless claim. Please dont waste your money with this waste company