Nobody's fault actually,

Insurance company has small prints on detailed T&C what can claim, what is not covered, trouble is most people buy without knowing small prints. But they are available if you ask for it.

Agents get commission from premium, often time only want to close a sale,telling customer no need to declare that small thing lah, lest application rejected. Some dont ask full medical history when filling up application, later customers will suffer when want to claim.

If T&C say payment is for above knee amputation, it has to be it to claim. Cancers also may not get to claim, those early ones, is in the T&C what can we do? Heart attack minor also cant claim, that is in the T&C again, must show this show and that fulfilled criteria only can get payment