Incidents of insurance companies trying to wriggle out of their commitment to the policyholders are not all that rare. In fact, Hollywood has many hits on the subject. Noted consumer activist Jehangir Gai also has a story to tell: “A person had undergone three surgeries simultaneously, with the total cost amounting to Rs 33,000. When the claim was lodged, the insurance company’s TPA held that though the surgeries pertained to three different body parts, they were conducted at the same time and hence, the eligible claim was only Rs 10,000.”

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