Congenital disease for HDFC Ergo claim
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.