I have taken 2 policies of Max Bupa through Ratnakar Bank. They told that the premium wont increase and it will remail the same life long irrespective of the age. I took the policy. Next year, I didnt receive any SMS, e-mail or Letter for renewal. I had to followup with ratnakar bank and call the customer care every now and then for the renewal. Further, on renewal they increased the Premium amount by Rs. 4000/- stating that all companies have increased the rates. This is the worst service I received from any insurance company. With no time left I had to renew the policy. I had lodged the complaint, but no solution of the same. Worst Company I have ever seen.