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ICICI Lombard House, Old Tata Press Building, Near Siddhivinayak Temple, 414, Veer Savarkar Marg, Prabhadevi, Mumbai, Maharashtra, India - 400025
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With regards to your provided details ; it is appearing at ICICI LOMBARD GIC LTD. that the patient was undergone through the treatment of CATARACT - A treatment which is usually have a pre-existing condition.
You should note that with your availed policy there are mainly 2 types of Exclusions for PRE EXISTING CONDITION :
1. 2 years Exclusion
2. 4 years Exclusion
Please note that Pre existing Condition is a risk with extant causes that is not readily compensated by standard, affordable insurance premiums. Pre-existing condition exclusions by the insurance industry are meant to cope with adverse selection by potential customers.
It is said that Pre existing Diseases usually have a previous history and immediate treatment can very well be lingeron based on type of disease.In other words one may understand that to get the cover of this kind of disease the policy should not be interrupted by a period of 24 and 48 months based on disease. The amount of time you had “credible” health insurance coverage can be used to offset a pre-existing condition exclusion period in your new health plan.
CATARACT is one of them and it requires the age of 2 complete years of policy to cover its expences.
You should certainly go through your policy documents to have a look to the details about your PRE EXISTING DISEASE exclusions [ AS PER PART II OF THE SCHEDULE EXCLUSION 3.3, EXPENSES INCURRED ON TREATMENT OF CATARACT WITHIN IN THE FIRST TWO YEARS FROM THE COMMENCEMENT OF THE POLICY NOT PAYABLE ].
I hope your query is answered in a quite proper manner.
If you need any more assistance ; please feel free to write me directly on [protected]@indianconsultantgroup.com.
Regards
Kumar Rajneesh
Head
INDIAN CONSULTANT GROUP
A Leading Finance, Legal & IT Consultancy Firm
( Specialisation in Banking Disputes & Grievances )
visit us : www.indianconsultantgroup.com
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