Is cancer surgey paybale in 1st year of policy?
My policy is Oriental Health floater policy 2021. It's 2nd year policy. In end of first year diagnosed with cancer and surgery done, release from hospital in 2nd year of policy.
Oriental TPA denied my cashless saying since it s 1st year policy hence no surgery payable in first year as 2 years waiting period. After looking the policy document in point 4.2 Specified disease / procedure waiting period- code- ExcI02
in E (XIV) says: Surgery of genito-urinary system excluding malignancy (2 years waiting)
is it not saying if cancer then no waiting period? it didn't said 2 years period including malignancy or any other ailments mentioned in the list.