SALES PEOPLE ARE CHEAT, ASK FOR REFUND POLICY & BE VERY CAREFUL BEFORE YOU SIGNUP FOR ANY PLAN. I joined the initial smart plan, after that a sales lady named Sandhya behaving as a dietician called me and cheated me into taking the premium plan saying she will convert into EMI and I will have the option to opt out anytime. After 4 months, when I want to opt out, they say as per refund policy I cannot opt out and have to continue paying EMIs.