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