New Delhi, Oct. 30 -- Robotic surgeries, stem cell therapy, and other advanced treatments are now common in Indian hospitals. But health insurance coverage hasn't quite kept pace.

In 2019, the Insurance Regulatory and Development Authority of India (Irdai) made it mandatory for insurers to cover 12 such modern treatments. However, insurers were allowed to set their own sub-limits-caps that now leave many patients underinsured.

As awareness grows, policyholders are discovering that their policies offer inadequate coverage. When they try to migrate or port to better plans, they often hit a wall of rejections and vague explanations.

Take the case of 62-year-old Jeram Damani, who has a family floater policy with his wife since 2015. They f...