I have recently made a proposal for Kotak PTP for 65L. All the formalities have been completed including medicals. It’s been a month now and just yesterday I got a mail from them about the revised quote due to “Elevated Nicotine Level”. This comes as a shock to me as I have not been engaged in smoking habit till now. I had also not taken Tea or Coffee as suggested by my adviser. Now they have revised the quote based on medical reports and increased the prem to 4K extra. Is there a way I can prove those medical reports wrong? What options are available to me in such a situation?