My health insurance policy was bought in 2013. I was hospitalized in March 2016 for a liver issue and had a transplant in April 2016. This problem started in 2010, but after initial medication, I recovered and wasn’t on any medication. Can I claim for this treatment?

Based on Indian insurance laws, it’s likely your claim will be rejected. Pre-existing conditions must be disclosed at the time of policy purchase, and a liver issue starting in 2010 should have been disclosed. As you did not, the insurer can argue it’s a concealed pre-existing condition and deny your claim.