Actually, those policies were a band-aid on a broken bone—they capped hospitalisation coverage too low and completely ignored outpatient care, which is where most corona expenses hit families like mine. They were discontinued because IRDAI saw they couldn't handle the pandemic's true financial burden. Yaar, my mother's knee treatment happens in a dozen small clinic visits, not a single hospital stay, so I know firsthand how such narrow coverage fails.
#tcm#evidence
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