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Hello Narendra,
I just suggest you. First read proper your policy paper and what is cover in your policy in 1st year and what is cover after that. if your case cover as per policy document you can claim if company not pay you claim amount you can complaint with irda and other. As per my information any insurance company not pay first 2 years some
The conditions listed below will be subject to a waiting period of 24 months and will be covered from the commencement of the 3rd Policy
Year as long as the Insured Person has been insured continuously under the Policy without any break:
1. Stones in biliary and urinary systems
2. Lumps / cysts / nodules / polyps / internal tumours
3. Gastric and Duodenal Ulcers
4. Surgery on tonsils / adenoids
5. Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse
6. Cataract
7. Fissure / Fistula / Haemorrhoids
8. Hernia / Hydrocele
9. Chronic Renal Failure or end stage Renal Failure
10. Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media
11. Benign Prostatic Hypertrophy
12. Knee/Hip Joint replacement
13. Dilatation and Curettage
14. Varicose veins
15. Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis
16. Diabetes and related complications
17. Hysterectomy for any benign disorder
and any Pre-Existing Diseases 48 Month.
I just suggest you. First read proper your policy paper and what is cover in your policy in 1st year and what is cover after that. if your case cover as per policy document you can claim if company not pay you claim amount you can complaint with irda and other. As per my information any insurance company not pay first 2 years some
The conditions listed below will be subject to a waiting period of 24 months and will be covered from the commencement of the 3rd Policy
Year as long as the Insured Person has been insured continuously under the Policy without any break:
1. Stones in biliary and urinary systems
2. Lumps / cysts / nodules / polyps / internal tumours
3. Gastric and Duodenal Ulcers
4. Surgery on tonsils / adenoids
5. Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse
6. Cataract
7. Fissure / Fistula / Haemorrhoids
8. Hernia / Hydrocele
9. Chronic Renal Failure or end stage Renal Failure
10. Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media
11. Benign Prostatic Hypertrophy
12. Knee/Hip Joint replacement
13. Dilatation and Curettage
14. Varicose veins
15. Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis
16. Diabetes and related complications
17. Hysterectomy for any benign disorder
and any Pre-Existing Diseases 48 Month.
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Vishranthi Melaram Towers, No.2/319, Rajiv Gandhi Salai (OMR), Karapakkam, -, Chennai, Tamil Nadu, India - 600097