is waiting period applicable for listed specific diseases which were diagnosed after taking policy?
My age is 63 and I am having Manipal Cigna Health insurance policy since December 2019. In May 2021 I was diagnosed with Spinal Disorder (PIVD) and the Doctors advised for laminectomy Surgery. So, I applied for cash less claim but the claim was rejected since there is a 2 year waiting period for listed specific diseases. So, I underwent surgery with my own money.
Later on I disclosed the treatment to the insurance company .They asked me to pay a loading
amount hence I paid and they issued a endorsement letter.
Again the insurance company is saying that the Spinal disorders which were treated is included as PED and 36 months waiting period will be applicable.
My concern is can the company include that health issues which occurs after the policy period as PED?
"As far as I know according to the latest IRDA standardized guide lines any health issues which were diagnosed or treated before taking the policy are called PED".
Kindly guide on this issue!