Will my cured illness be eligible for coverage after three years?
Mint Mumbai|November 15, 2024
My health insurance policy started on 29 June 2022. I was treated for a disease in October 2016. The period between the treatment and the policy start date is over 56 months. As per regulations, pre-existing conditions are those diagnosed within 36 months of policy purchase date. I had a surgery on 29 August 2024. Will my claim for the latest surgery get reimbursed? - Name withheld on request
Shilpa Arora
Will my cured illness be eligible for coverage after three years?

In this situation, the claim for the surgery can't be reimbursed due to the 36-month waiting period for pre-existing diseases (PEDs). As per insurance rules, PED is defined as any illness or condition that was diagnosed, treated within a certain period before the policy was taken. In this case, the policy has not completed the 36-month waiting period.

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