They will commit a lot of things and give false information just to sell the product. The document shared will never have the points that they will commit and they will say that the features are convered by default. When you try to use it, you come to know that it's not covered.
They sold me niva bupa policy with fixed premium for 3 years. But immediately next year the amount increased. Then they ported me to care insurance and said yearly medical checkup is covered but it was not covered. They simply lie!!!
Be careful and do not trust on verbal commitments. Hey everything written, else don't buy from them. It's sheer fraud!!!
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