Thanks Take. You mean to say any pre-existing diseases are covered after 4-5 loyal years with one insurance co. ? Wow thats cool ....

Me and my doctor feels its natural wear and tear and not cos of the accident (accident caused damage to right leg only; knee replacment is for both legs). But yea, hope they feel the same too

One more query - If rejected, how easy is it to dispute? IS it online ? Any quick links to read up on the procedures , TPA etc ?

Thanks ....