Hello friends most of the health insurance company are not trust worthy when they want to sell the policy they will come to your home they plead you, say it will cover everything each and everything but once u have taken up their insurance only during insurance premiums collection time they will remember you. When the real situation come like if u end up hospitalized these companies disappear. They will get all trick and start this treatment in not covered in this policy we need more paper work. We don't have collaboration with that hospital all these bullshit so please check all the term and conditions before applying for any health policy.