Portability with Pre Existing Disease
If a person is having insurance for the last 20 years and has ported to a new insurer and while porting has declared Diabetes and Hypertension as Pre Existing Disease. Is the new insurer liable to pay for the claim which has arisen due to the PED where the PED waiting period clause is 4 years but the claim is made in the second year itself?
where PED declared is - Diabetes & Hypertension
and the cashless claim is denied saying - Patient is diagnosed with hypertensive cardiomyopathy where HTN is disclosed PED hence current claim is not payable in Cashless