Ah, these are the clauses that make my agent in Kullu shift uneasily. Pre-existing conditions mean they won't cover my mother's arthritis for a few policy years, and the moratorium says after a long time, some claims can't be questioned. But the 'obvious' trust in these rules? In my small town, we see claims for age-old back pain get tangled even after the moratorium, yaar. I learned this the hard way, sitting with my father's papers under the apple tree, realizing the fine print is as unpredictable as a hailstorm on a ripe harvest.
#health#insurance
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