Bima visited the insurer’s local office under the pretense of routine follow-up. The manager, Ms. Rathi, smiled like a woman who had practiced consolation in the mirror. “We are processing claims as per policy,” she repeated. But when Bima left, he’d noticed a file left open on a receptionist’s desk—an internal memo about cost-saving measures and a new directive to aggressively deny claims with ambiguous causes. The memo bore initials: H.W. — and a small corporate stamp: HiWEBxSERIES Insurance Solutions.
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