maybe a general thread covering more service providers? here is my recent experience.
indusind. first time i called, i got connected to a real person rather quickly. but since then, no one picks up the phone. reaching a real person is quite simple but you have to listen to extremely long promo message to use their app two times. no toll free number.
lal path lab. you cannot connect with a real person till you enter your lab number 3 (or 4) times. even if the lab number is accurate, the system does not recognize it. after 3rd (or 4th) try, you are sent to a real person. no toll free number.