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Should a person disclose if he had undergone a small surgery (septoplasty) while taking new policy

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20 Mar, 2023 by  Rupesh

If someone had went through a small surgery(septoplasty- done to straighten your middle bone of your nose) and that has been paid by insurance as a dependent under his/herparents plan. And such person now is no more a dependent and is looking for a standalone policy for him/her. Will he have to disclose such surgery under preexisting disease or not

Asking this because the surgery was done not for a disease or health problem and there is no health problem currently. Will this be considered a pre existing disease or not and according should be disclosed or not?

And what if it has not been mentioned in the proposal form. Will it create a problem afterwards?

And does the fact change if the surgery was carried out before 48 months of potential new policy ?


2 Answer

22 Mar, 2023
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Hi Rupesh,

It is advisable to disclose all sorts of hospitalization, surgeries, ongoing medications, minor fractures, all previous medical history et al. It is up to the insurance company to decide whether it is important or immaterial. As an insured person, you cannot take the risk of not disclosing something and getting any of your claims rejected later on.

Hope this explanation helps.

And to help your cause further, you can enroll for our free 1-1 consultation with one of our advisors. You will be helped to generate your customized TRUMATCH REPORT which will outline the cover amount & give you recommended plans with comparison as well as quotations, to best suit your requirements.

We, at AntFinkart, do not force fit the products with pre-set notions and distribute products of all major insurance companies, based purely on merit and without any biases


Rana Sahib


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24 Mar, 2023
Marcel Mendes Reis

Thank you for your question regarding septoplasty surgery and its implications for obtaining a standalone insurance policy.

It is important to note that insurance policies and regulations can vary by country and region, so it is best to check with the insurance provider or regulatory agency in your specific location for accurate information.

In general, preexisting conditions are health conditions that existed before the policy was purchased. If a person has had septoplasty surgery in the past, it may be considered a preexisting condition depending on the policy and the time elapsed since the surgery.

If the person is applying for a new standalone insurance policy, they may need to disclose their medical history, including past surgeries, when completing the application. Failure to disclose this information could potentially result in denial of coverage or cancellation of the policy.

It is also possible that the time elapsed since the surgery may impact whether or not it is considered a preexisting condition. In some cases, insurance policies may have a waiting period before they cover preexisting conditions. If the surgery was carried out more than 48 months ago, it may not be considered a preexisting condition.

To be sure, it is best to consult with the insurance provider or regulatory agency in your specific location for accurate information regarding preexisting conditions and coverage eligibility.

For more information on septoplasty surgery and its implications, please refer to the following resources:

I hope this information is helpful. Please let me know if you have any further questions or concerns.

Best regards,

Dra. Danielly Andrade

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