If a Health Insurance Policy agreement for Cover of Rs 5 Lakhs is about to expire on 31st of March, on 28th March person gets Heart Attack & gets admitted in Hospital. Even though person gets a reminder letter on 15th March, still Heath Insurance policy is Not renewed By Pass Surgery is advised. Person also want to change Health Insurance Company (Contract) from coming Financial Year. Kindly advise RIGHT course of Action as per Health Insurance guidelines parameters