What to do when one completely forgets to disclose a small pre-existing disease & realises it late?
A friend bought his health insurance policy in August 2018. While making disclosures he completely missed mentioning a pre-existing disease - a minor kidney stone condition which was treated. Now, he has already done 2 renewals of the policy and in the third year of the policy.
Being an honest mistake, he wishes to disclose it in order to avoid any future complications and claim rejections. What to do in such cases?