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My father visited the United States and we bought a Visitor's Medical Insurance for him. After a couple of months, he suddenly fell ill and was diagnosed with a serious kidney related problem called Wegener's. My father is aged 62 years and has no prior medical history. He has visited US a couple of times earlier and on both occasions we never used the insurance at all.
However the insurance company has denied all his claims citing the reason as pre-existing condition. This is particularly ridiculous as medically there is no known cause for the Wegener's disease. The claims denied are anticipated to be around 30K USD. Please let me know if there is any legal action possible.