Is a conginental health issue that's been treated constitute a Pre-Existing Disease?
I was born with a conginental heart disease. Within the first few years itself I had an open heart surgery to fix this. Its been more than 20-25 years since then and I am living healthily without any complications or vices. As a consequence of the surgery, ecg will always remain abnormal. I have financial liabilities for which I wish to cover my family to avoid complications.
Does this count as PED since the latest IRDAI norms define PEDs as past 2-3 years only, but the insurance forms ask if a surgery has been done in the past without a time horizon. So is this disclosure required?
Is it even possible to get a term and health insurance with this?
Have had postponement on life insurance and rejection of policy for health when I disclose this and an ECG is taken. Have consulted a few brokers as well as underwriting professionals but haven't received any positive response on this. Let me know if something is doable. Thanks