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Frequent Contributor
Posts: 114
Registered: ‎26-07-2016

surgery within a week of taking policy

I had taken a insurance policy last week. I need to undergo surgery now and my insurance company is refusing cashless. Why?

4 REPLIES 4
Meena
Contributor
Posts: 71
Registered: ‎26-07-2016

Re: surgery within a week of taking policy

All health insurance policies have a waiting period.

madhu70
Occasional Contributor
Posts: 7
Registered: ‎14-11-2016

Re: surgery within a week of taking policy

There is a waiting period for reimbursements or cashless after you buy a policy. Within that waiting period, your insurer might refuse the claim if they think it was a pre-existing disease.

Community Manager
Community Manager
Posts: 33
Registered: ‎26-07-2016

Re: surgery within a week of taking policy

Though policies generally have a waiting period, if your surgery is because of an accident or an emergency, you are eligible for cashless. If it is from a pre-existing disease, forget cashless. You won't even be able to claim any thing

Sid Patkar
ayush.shukla
Contributor
Posts: 56
Registered: ‎02-04-2017

Re: surgery within a week of taking policy

Generally, all the Insurance Policies have certain waiting period before which you can't opt for cashless or claim your money. However, to lower your waiting period you can pay additional premium for your policy.