Hello, I am changing my job internally, job title will be different but lawyer confirmed it will fall into the same SOC code, but he said we need to update your current COS with new job title and job description.
I am a bit confused as I have booked my travel during this time, is it okay to still travel ? Although lawyer said I should not worry but I just want to double check on this.
I am planning to buy a comprehensive health insurance policy, preferably HDFC Ergo Optima Secure, but I am getting mixed inputs from advisors and wanted some clarity from people with real experience.
Background:
I had a hydatid cyst in the liver which was treated surgically in 2021
No ongoing issues since then and currently stable
No major health problems otherwise
One advisor mentioned that HDFC Ergo and Niva bupa will reject the application due to past liver related history and he had spoken with some underwriter somewhere, while another suggested they might still consider it with loading or exclusions
I have a few questions:
Has anyone with a similar past condition such as liver cyst or surgery been accepted by HDFC Ergo?
Do insurers usually reject outright or offer with exclusions waiting periods or higher premium?
Should I try applying to HDFC first or go with more flexible insurers like Care or Niva Bupa
Does a rejection from one insurer affect chances with others
I am okay with reasonable exclusions or loading, just trying to avoid unnecessary rejections and make a smart decision
Any real experiences or guidance would be really helpful. Thanks in advance