These are 3rd party, that's the problem. A 3rd party will always screw you over with their T&C. They don't give insurance themselves, someone backs them. A manufacturer warranty is alot better, if 10k is what LG was charging you, it would have been alot better. No offense, but I have seen you post in TE in tech discussions numerous times, so thought you will know better. I used to have these 3rd party insurance on iPhones and they always screwed me over. In earlier times Onesitego used to have a different name I don't remember, and when that name got ruined, they changed their name.
Croma won't do anything if Onesitego doesn't do it's job. Croma are their sale rep's nothing more than that.
Btw grats on your OLED, I bought Samsung The Frame in Diwali, I love it but it's no OLED
I'm so drooling over LG W Signature OLED series. LG released 77" W Signature ,
https://www.lg.com/in/tvs/lg-OLED77W8PTA , not sure what's wrong with LG, same TV is being sold at around 6-7L in US, and here it is around 29-32L. Wow!
Imma wait 2-3 years before LG drop prices and get W series. Surely atleast 55" will be around 1-2L in 2-3 yrs lol