Non-life insurance companies have adopted the following uniform definition of all medical expenses policies issued or renewed after June 1, 2008.
Uniform Definition of Pre-existing diseases and related exclusion wordings.

Pre-existing disease definition: Any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to your first policy with us.

Exclusion wording: Benefits will not be available for any condition(s) as defined in the policy, until 48 months of continuous coverage have elapsed, since inception of the first policy with us.