i am belong to middle class family and i am holding the medical insurance policy since last four years,During the four years time i have not made any claim or used any medical return But unfournately i have the Knee /Joint problem seriously ,,Sorry to say the company repersenative said me we will not help you in any case its against our policy or thats knee/joint problem is not covered under over policy,So the Medical insurance company are desgined to collect the fund of Poor people and make market captilazation,its a Shame.Whereas in other country that help the Nation But Indian are Sucking the blood on the name of Policy thank You