Free Medico Legal Advice Related to Laparoscopic Surgery

Surgery without informing insurance company
Discussion in 'All Categories' started by K. Subramanyam - Jun 25th, 2014 10:55 pm.
K. Subramanyam
K. Subramanyam
Dear sir,

I have insurance of national insurance company. I want to ask that in case of emergency can I Get surgery done without informing the insurance company. I have my insurance just 3 month old. I came to know that insurance company does not pay for pre existing disease like renal stone and gallbladder stone. Why I am asking because I have a 5 mm stone in my Gallbladder and sometime I get severe pain.
re: Surgery without informing insurance company by ADITYA RAJESHWAR - Jul 19th, 2014 8:19 pm
#1
ADITYA RAJESHWAR
ADITYA RAJESHWAR
Dear K.Subramanyam,

All the terms and conditions of insurance depends on offer documents which we sign at the time of taking the insurance plan.So just check the conditions once again.

According to IRDA MEDICO-LEGAL MANUAL. Emergency Illness means illness or injury which occurs suddenly and unexpectedly and require immediate treatment to avoid death or prolonged illness. It is very true that insurance company do not pay for pre existing disease. Hence I suggest you to contact your insurance company for detailed information.

With Regards
ADITYA RAJESHWAR
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