In this situation, the claim for the surgery cannot be reimbursed due to the 36-month waiting period for pre-existing diseases (PEDs). As per standard insurance guidelines, a PED is defined as any illness or condition that was diagnosed or treated within a certain period before the policy was taken. In this case, the policy started on 29 June 2022, and the surgery took place on 29 August 2024, meaning that the policy has not yet completed the 36-month waiting period for PEDs.
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