I am a holder of ICICI lombard health Insurance Policy No. 4016/0003641/01/000. I was suffering from some breathing problems for last five-six months. Finally, doctors told me that this problem is happening due to 'Deviated Nasal Septum' and the only treatment for this is septoplasty. Then I apply for cashless facility but the company denied saying that Septoplasty is not covered under this policy.
Although, I seen in many ICICI policy itself "Deviated Nasal Septum" is under pre-existing diseases category, which is well covered after completion of two years of policy. ICICI is treating Septoplasty as a separate disease, as it is not a disease but a treatment for DNS.
Now I have done the surgery on my own expenses.
Therefore, let me advice for further steps.
Anticipating your necessary action in this regards at the earliest.
Thanks and regards.