The main purpose of any Insurance Company or their TPAs is not the timely help to the insured/his family in case of any eventuality,LIKE THE STORY OF THE WOLF & THE LAMB, they try to find 1000 excuses by putting hurdles/objections/
rejections/discrepancies,SO THAT THEY DON'T HAVE TO PAY/SETTLE THE CLAIM OR SETTLE FOR VERY LESS AMOUNT.
BUT THEY EXPECT THAT THE INSURED SHOULD GET/RENEW THE INSURANCE POLICIES BY TIMELY PREMIUM PAYMENTS EVERY YEAR,DISCLOSE 1000 THINGS TO THEM IN ADVANCE. EVEN A GIRL'S PARENTS WHILE CHOOSING/DECIDING THE BRIDE FOR HER,WON'T ASK AS MANY QUESTIONS/DISCLOSURES, AS THE INSURANCE COMPANIES OR THEIR TPAs ASK, 1000 QUESTIONS BEFORE CASHLESS AUTHORZSATIONS,(AGAIN SUBJECT TO MANY UNILATERAL CONDITIONS) OR LATER SETTLING THE CLAIMS,AS IF THEY ARE GOING TO MARRY THEIR SWEET DAUGHTER WITH US ITS A USELESS PROPOTITION. ITS BETTER TO MEET MEDICAL/VEHICLE DAMAGE EXPENSES THEMSELVES FROM THOSE PREMIUM AMOUNTS BEING PAID TO INSURANCE COMPANIES.
------- Edited on 2015-10-23 -------