I bought an apple watch thinking it had entities like apple, hdfc ergo and zopper, so they won’t involve into malpractices. However, eventually they are rejecting the claims of almost everyone (twitter, youtube, reddit has many victims) without actually giving the reason. I mean who does these scams and later believes that new customers will onboard. I would only say if you associate yourself with zopper or hdfc ergo, just know that their practices are pathetic, they are scammers and be prepared for any unpleasant experience.