sr. citizens beware of Apollo munich health insurance, they are not to be trusted we have been contacting mr. Amrit Garg, Assistant Manager (Grievance Cell ) Apollo munich health insurance for over 4 months but he refuses to understand/accept/mishappening of Apollo munich health insurance that they have given us false medical reports just to make easy and unearned money We, sr.citizens, were asked to go to their medical centre to get tests done as per their requirement.5 tests were done between my wife and myself.Medical centre and agency development mgr said charges will be reimbursed full 100% by apollo munich health insurance Thereafter apollo munich health insurance sent 5+14=19 reports(14 tests were not done on us) After a month, they told me why they returned reports. When apollo munich health insurance can send me test results of 14 medical tests which were not done on us, will anybody under the sky, believe the 1 test result they say to reject our application can be true !!! Secondly, giving reason after a month is definitely on second thought, just to avoid reimbursement and making easy unearned money. we are healthy people hence never expected, even in dream, that we will be medically rejected. apollo munich health insurance has made cheap money a) interest on the premium b) medical charges we paid c) charges for the 14 tests which were not done on us.Even Vishamjeet Khokher Sr. Manager ( Grievance Cell ) refuses to understand/accept/mishappening of Apollo munich health insurance that they have given us false medical reports.