hi manish,
i have taken online insurance from hdfc click2protect on 12-04-12 and made the payment.
i uploaded required docs and emailed them.
i got a call from co. for taking appointment for medical examination near to my place.
they said i have to bear the medical cost.
so i emailed them again asking the reason behind it. no reply from them since 2 days.
i also put the post on facebook page of the co.
now manish, is it common that the customer has to bear the cost. but to my knowledge that has to be bear by co.