you are absolutely correct. In our country every company is exploiting the innocent customers. For example ICICI lumbard had cheated me by around Rs.5000/- towards health insurance scheme. (they will call each and every icici credit card holder and canvass them. but they will never reveal the hidden cost of the scheme. we are ready to give the nominal charges as that of govt. insurance companies but not the hidden charges like interest charges to the premium service charges for that service tax for both etc.
