After some analysis I found below 2 plans suitable for my term insurance needs:
1. HDFC C2P
2. AVIVA i-Life
After considering some factors, I had choosen HDFC C2P and applied for it.
My medical test has been performed in 4-5 days. Few days later I got notification from HDFC that my proposal is postposned because of ‘elevated level in my blood sugar’.
It was a shocking news for me because I am a healthy person and never had any problem (touch wood).
I called hospital people (where my medical check-up was conducted) and after request they informed me that my sugar level count is 173 (normaly it should be between 70-100).
I still not belived that and went for medical check-up again by myself and found suger level count is 72(which is normal).
Then I decided to go for AVIVA i-life plan and applied for the policy.
Fortunetly/Unfortunetly, my medical examination was scheduled at same hospital, where it was conducted before for HDFC.
This time I carried my medical report (which I had done by myself) and asked hospital about the reason for differences in both reports.
According to their report my count was 173 & according to my report count was 75.
They checked again and found that it was a TYPING MISTAKE, actual count was 73 but they wrote it 173 by mistake.
Now, because of this mistake HDFC postponed my application & also my insurance records gets affected.
Hospital GM apologies for the mistake and sent clarification note to HDFC about the mistake.
Currently, my AVIVA application is under processing.
Lesson Learnt & Message: DON’t trust on any medical report if it looks surprized for you.
Please double check it with mutiple doctors or Hospital if you think it is not correct and challenge it.