Hi, I would like to ask about the "Pre-existing condition" in Prudential policy. My relative had bought a PRUMillion Med this year and she had an operation to remove ovarian cyst 10 years ago. In the policy, she noticed that the agent did declare it in the proposal. So, does it means that the ovarian cyst is automatically excluded from the medical card under the "Pre-existing condition"? Or if Prudential decided not to cover this, it will be specifically stated in the policy. If it will be specifically stated, where can we find it in the policy?

My relative have asked the agent but the agent told her that Prudential do not mentioned anything about the ovarian cyst operation and hence it will still be covered because the operation is already 10 years and no reoccurance since the operation. Is it true? Or any previous operation will fall into "Pre-existing condition" term.

Thank you so much for your clear explanations. It answers most of my doubts. We have checked the Schedule I Exclusion Clause part, it shows

"(D) SPECIAL PROVISIONS
Regardless of anything else we may say in this Policy, the following shall apply:
i) Exclusion Clause
Refer to Policy

- The rest of this page is deliberately blank -"

It does not shows "Nil" but shows "Refer to Policy". Is it how they write it in the new policy if there is no exclusion?
If certain sickness is excluded from the medical card, is it that Prudential will list the name of the specific sickness here?