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Congenital disease for HDFC Ergo claim

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15 Dec, 2022 by  Krishna Chaitanya

Hi, Do we have waiting period for congenital disease? Hdfc Ergo is saying it is PED and waiting period is 48 months. Even though I raised sum insured from 5 lacs to 10 lacs one and half year ago, they are saying as per 5 lacs only amount will be given. I am saying daughter hearing loss is by birth so it is congenital disease not PED so no waiting period allowed for this. Please clarify if I am wrong.

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Health Insurance

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Dear Krishna,

All health issues before taking policy will fall under pre existing disease waiting period.

If you are increasing coverage in renewal so whatever new coverage is selected will have waiting period.

In your case 5 lakhs to 10 lakhs enhancement additional 5 lakhs coverage will have waiting period.

I hope I clarified your query

Thanks and Regards

Vikram Aralikatty,CFP

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19 Dec, 2022
Krishna Chaitanya
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