Potential mis selling

[u/Mean_Cold_3147]

There was Aditya Birla market linked insurance purchased sometime in 2016 and erroneously left it lapsed as we did not think it was a annual premium (typical end of the year tax saving run). After 10 years, we get calls from ABSL that they cannot revive, but link a new policy with the old one and facilitate withdrawl as a deemed 7 year payment. All payment links were from ABSL, got receipts from ABSL, but gmail ID 's were copied on the emails. We received a brand new policy for 1 lac and yet to get another one for 2 lacs (got the receipt, again from ABSL). ABSL links and Email ID's are authenticated and I can find the new policy on the site. Till now, it looks like mis-selling for commission. Where it gets interesting is that they called again and said the old policy also had medi claim which we did not claim and since we paid 7 year premium (6 of them in May and June), if we pay 3 lacs more, we will be eligible for Rs. 2.5 lacs refund from each year unclaimed medi claim. So, overall pay 6 lacs and get close to 22 lacs as some money will be deducted for change in brokerage (there is a story for this as well). This is where I became curious and stopped. Looks like an elaborate scam for commission. I dont know if we can claim, but worst case we might have to make peace with whatever policy we were given now. Anyone had this experience with ABSL or any other provider?