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MR.5426, Some times agents/officials of insurer will not disclose disadvantage clauses to avoid rejection of policy by the customers, always we must insist to provide hard copy of terms&conditions of policy but not rely only on oral/verbal assurances which are not valid legally. It is not enough to say pre existing one since 20 years w/o any documentary evidence as insured person should have undergone medicals, question of non disclosure & pre existing does not arise at all. Since I am also one of policy holder another health insurance, i have given this info based on my experience.
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