This is about Insurance companies in India, their behaviour with customers with preexisting illness. Incase you are not from India, you might still find this content useful as almost all of these companies are in tie-up with a major international insurer whom you might have your policy with. I'm suffering from what could be best summarised in simple terms as Bone related diseases, I had a major surgery in July 2018 for ailments which has since been successfully addressed.