It's good insight. Thanks take(sorry don't know your name). Can you please clarify the below statement? Why should a new disease got during the policy term be categorised as pre-existing disease, since the same has come post the purchase of policy?

If some disease happens in current time period (age 30-45-50 years) e.g. heart problem, It will become pre - existing diseases and won't be covered for 4 years.