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Never Buy this policy. These are fraud people. they are simply making money. They reject claim for whatever reason they want. In my case my wife got admitted. It was an emergency as she was almost in bad condition. Doctor suggest to admit immidetlty. When we try to claim. they are saying for this illness no need to admit. Means they will decide when to admit and when not. And the doctor who says its an emergency is illiterate then. Who will admit their dear one for no reason. So its simple they dont want settle claim and they write any reason. also same reason I saw in many review and same with me. they are saying the hospital was not in their network. If I would admitted in their network hospital they had another reason this illness no need to admit. So who gonna pay heavy bill raise by their network hospital. We people should take a legal action against such a cheater. never ever buy n hope. they will help you in your need.