Worst insurance company in the world. Fraud policy terms and conditions. The customer carw executive were biggest idiots you come across. She couldn't find my claim for half an hour. Petty reason to reject claims. Its just not my case, it is of so many people I have heard of. Also, they have appointed this whole team to reject ur claims somehow. Please don't fall into yheir trap. My doctor even hated this company saying they are biggest frauds. I urge you to buy ur mediclaim from some nationalised company or don't buy at all. Because apollo will ask you to pay their highest premium amount, without passing ur claims on small issues. So you are going to lose money on both sides. Useless fraud company. Apollo hospital also fraud, their organization og insurance also fraud. Owned by biggest fraudsters of india. He must be enjoying like mallya with our hard earned money. I promise I am going to break their atleast 5 customers. You need a policy from govt organization or not at all. Please people don't waste ur money in this useless company. If you ignore this you will definitely write your worst experience like me ober here someday.