I have a health insurance policy and l had undergone eye surgery last month, then l submitted the documents for claims. Firstly they rejected the claim with diagnosis Cataract. Again l put a request to reopen the case - now company rejected. Please find the rejection reason as below :-

As per the certificate of the treating doctor submitted by the insured, the present illness is Phakia Rhegmatogenous Retinal detachment and it is a complication of Myopia suffered by the insured(for long duration). Hence it is a pre-existing disease.

My policy is not completed one year. Request your expert advice to further action.