If a Health Insurance Policy agreement for Cover of Rs 7 Lakhs is about to expire on 31^st of December, on 28th Dec person gets Heart Attack & gets admitted in Hospital. Even though the person gets a reminder letter on 15th Dec, still Heath Insurance policy is Not renewed By Pass Surgery is advised with a Cost of Rs. 10 Lakhs Person also wants to change the Health Insurance Company (Contract) from coming to Financial Year. Kindly advise the RIGHT course of Action as per Health Insurance guidelines parameters