I think with this type of diagnosis with AI 90% of medical insurance companies nexus with hospital is exposed. Years ago doctors in south India used to give you warm lecture about your disease, dos & don’t during medication! 

Today you are VIP patient with spending power of 25L to 1cr capacity for spending on medicines even if you starve for food or giving instalments on home/car/edu loans! 

For example you have fever and can be cured by any paracetamol tablet with one antibiotic, some approach a doctor in an hospital in India! Doctor says you have terbulotherosis and warn him if he was delayed by 5 minutes he will be DEAD.

Apollo or Max or Fortis an option with your mediclaim of 25L. You just pay ₹300/- from your pocket. Surgery required. Total bill is 3,45,678/- also you got 40% discount on private room 14000/- per day, after they shift  you from ICU to ward! 

Pls remember it’s a common cold! 

You are happy that you insured for 25L and just paid about ₹ 3.45L.