Worst company they are advertising out patient cover however they did not provide me claim for my daughter who was admitted in the hospital for 3 days due to typhoid. They told me that admission was not needed and you admitted your daughter deliberately. They ignored the dos toes note from hospital as well. Worst company . I cancelled the insurance the next month and got one through Nuva Bupa.. Dear All please learn from my experience and do not waste your hard earned money in vain with these Fraudsters who will leave you unattended at the time of need. Do not use this company