Mr. Narendra Gupta had to undergo an emergency hospitalization. He was convinced that the Health coverage he purchased several years ago would suffice the cost of his treatment. He was in for a rude shock when the hospital bill amounted to INR 2.25 lakh. Since his mediclaim policy offered coverage of INR 1.5 lakh, Mr. Gupta had to pay the excess cost. Had he invested in two plans, he would