I am not agreeing with you. All the companies pay genuine claims. If the claim is not being paid, then you can go to IRDA or consumer court. (On a lighter side - you are also suggesting a Pvt Company)I am prefering the PSU for the policy because I have heard that they are slow but they accept the claims.
If you have paid premium, till the expiry of the policy, all the expenses are covered (up to Sum Insured)Many Inclusions: Policy should continue for the remaining family even if I die.
I could not get you here, could you pls rephrase the question again.and there should not be any sub limits on the deceases claim like 75% of the sum insured for X deceases.





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