चिकित्सा बीमा के मामले में यह विशेष रूप से सच है, जहां अक्सर पॉलिसीधारक यह मान लेते हैं कि हर बीमारी के इलाज का खर्च पॉलिसी द्वारा कवर किया जाएगा।
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