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9. There is an exclusion clause 4.6, which deals with the claims, which are not payable, which is reproduced:-

"4.6 - Cost of spectacles and contact lenses, hearing aids, dentures, caps & clips, braces and belts. Equipment for external prosthetic devices, eye glasses including cochlear implants and durable medical equipments, surgery for correction of eye sight."

10. We have perused the complaint. There was no pleading regarding non-supply of the terms and conditions of the policy. Only this objection was taken by the appellant in the grounds of appeal.