What is considered as PED?
I am looking to buy Niva Bupa Reassure for my parents (61 & 55) with BP and Diabetes as PED. But my father had a leg fracture ~15 to 20 yrs back which was fixed with a plaster cast. When I enquired about this with the agent, he said that it will be considered as PED as some fractures require a metal rod/plate to be placed and its removal will be covered after 3 years.
Though the fracture my father had was fixed with a cast will it still be considered PED generally or will it be at the discretion of the insurance company on case by case basis?