Author: Dr. Samim Ahmed

The policy under review was a ported health insurance policy with an inception date of 14 August 2025, with no exclusions and no pre-existing disease declared. The insured, referred to as Mr. A for confidentiality, is a practicing doctor in a reputed city, and his wife, Dr. B, is also a medical professional. As per the allocation attachment, the date of admission was 20 September 2025 at 11:30 a.m. for a planned URSL (Ureteroscopic Lithotripsy) with DJ stenting on the left side for left renal calculus. The first diagnostic document submitted was an ultrasonography report dated 18 September 2025. This…