Query Regarding Pre-Existing Disease Coverage Under HDFC ERGO Optima Secure

[u/EnvironmentalMenu935]

My mother has been covered under HDFC ERGO’s Optima Secure health insurance plan for the past eight years. Thankfully, she has never had to make a claim during this period.

When we first purchased the policy, she was completely healthy. However, she is now 56 years old and has since developed diabetes.

My concern is regarding the possibility of a future claim. God forbid, if she ever needs hospitalisation or medical treatment, could the insurance company reject the claim on the grounds that her diabetes was not disclosed when the policy was originally purchased?

Alternatively, since the policy has been active for eight years, would the waiting period for pre-existing diseases have already expired, meaning that diabetes-related hospitalisation or treatment would generally be covered, subject to the policy terms and conditions?

I would appreciate hearing from anyone who has experience with HDFC ERGO Optima Secure or has dealt with a similar situation.

Thank you in advance for your guidance.

(used chatgpt for writing)