Cognate Health Services — sold fraud plan on lies

I bought there 3 year plan for my 5 family member. There sales agent never told us that we need to inform them before going to the doctor to get money back, he never told us that we will not get dental if are not attending there affiliated clinic. I specially are there any terms & condition which we need to follow. He said no sir you just need to share prescription and bill from doctor. He said we will give you vouchers but never said that vouchers are valid for 6 months only. Now i paid inr 20k for a fraud policy. As per there policy we need to email/call them 12 hours (If we read carefully it will be more) before we visit doctor. Means in fever and any disease i will not worry about patient i will worry am i going to dr in 6 hours, 12 hours, 24 hours because if i miss there golden timing i cannot use that money. They didn't tell me that we have to upload bill in 15 days too... I feel that real policy and i am not complaining but same was not share with me by there sales man.