Porting a 9 yr old Med Insurance
Self and my father are covered under Family First - Silver Plan of Niva Bupa since 2014. At the time of taking the Medical Insurance, no PED existed for either one of us. However my father developed Hypertension at a later stage sometime in 2018 and we haven't declared the same to Niva Bupa but have been regularly renewing the policy. I now intend to port to a better policy with no room rent capping in it for my father. I have the following question:-
Q: Would my father's Hypertension be considered as a PED and will the wait period start afresh in the new Insurance Policy. I'm considering Care Supreme plan which has a 4 year waiting period for PEDs. Shouldn't it be covered from Day 1 as our previous policy has alread run 9 yrs.? Can I do something to get it included in the Niva Bupa policy before porting?