I have taken a religare health insurance from policy bazaar, after 1 year(my policy was in 2nd year) I had an heart attack and religare simply denied the claim, I was in hospital in ICU and my family was struggling to arrange the funds. I am still in huge debt just because of religare, later I found that its religare’s policy to deny most of the claims, they settlement ratio is 1 out of 10. Also beware of policybazaar as they make false promises while selling the policy and when it comes to claim settlement they won’t provide any assistance.