People insure their health, vehicle property... pays emi's for years but when something goes wrong and they go to claim, they find waiting periods, exclusions and sub-limits in hundreds of pages that nobody read. The agent who sold or the ad that influenced the decision not in the picture. Years of payments just rejected in minutes. The real gap is not understanding the document, it is claiming and getting what you paid for in critical situations. Many want to secure their future but because of these gaps most are hesitating.