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They will find every single reason to reject the claim. Does not show any interest to protect the customer interest in choosing insurance. While selling the policy insurance agent will give all the stories on the cashless treatment. In reality all that is not true.
I took a policy for my mother 7 x years ago and renewing year after year. When she got hospitalized they rejected her claim asking for documents on another unrelated disease 4 x Years ago. Finally we ended paying all the money from our pockets. We could have saved all the money for the 7 x years and we could have paid right royal. Now we lost money. Fully got deceived.