HDFC Bank — Rated up policy amount

Address:

Pune, Maharashtra, 411061

I am in the process to buy the click to protect term insurance policy.
After a medical they are asking 75% premium rise for exceed of FBS 120 and cholesterol 243 level in medical results. The medical checkup conducted at Hdfc suggested Morya hospital in chinchwadgaon, Pune.
I have also done checkup for the same and found FBS 77 Cholesterol level 220 and sent to Hdfc team but they are considering the 1st medical check up only due to insurance norms and guidelines which they can't share to me. Why their results are not within a limit they don't give any explanation, there may be some fraud while generating the lab reports with their listed hospitals.