We have taken the policy 1 year 9 month back and recently went through the Polyp surgery. When I called for pre-approval or intimation there was no discussion of exclusion but when it came to making payment, my claim was rejected and I had to settle 40K bill myself.
The reason was- it seems there is waiting period of 2 years for polyp surgery and my policy was not 2 years old. I have searched entire internet but could not find that clause in fact many site says that it is covered in the 2nd year of the policy.
Either do not go for it or read all inclusion & exclusion documents.