Hey Kasturi Rangan,

I will try to give you a solution. First, could you please help me with some details:

1. What is your current location?
2. Have you even been admitted to hospital in the past (for both minor and major diseases)?

My preliminary assessment is-

• Given your age, you should not worry too much about the 4 year waiting period for PEDs because you have your entire life ahead of you.
• You should think about health insurance not just for the existing medical conditions, but for other unknown unanticipated medical emergencies beyond this current problem. I am sure back in November 2019 you never imagined you would be diagnosed with Type 2 diabetes.
• There are insurance plans in the market which are available to customers with known history of diabetes. Once you share the information I have asked in above 2 questions, I will be able to share my recommendations.

Anuj Jindal

Co-founder

SureClaim

Thanks Kasturi Rangan for your response.

Can you share the counter-offer letter from Max to anuj@sureclaim.in

My suggestion is that try with PSU insurance companies - New India, National, United or Oriental. Let's see how that goes. I still feel you have a chance, but you may have to try several insurers before you get a plan. Don't lose hope, stay on track. Let's continue to study the proposal rejection letter if policy is not offered.