covered under the existing policy which may
have been contracted during the period of the
expiring policy. Renewal of mediclaim
insurance policy cannot be refused ... schedule of the Policy specifically
(3) If an insured is already covered under an
insurance policy, say, a group mediclaim, and
wants to take
renewal of an insurance policy means repetition of the original
policy. When renewed, the policy is extended and the renewed policy in the
identical terms ... renewal, the old policy is revived and it is sort of a
substitution of obligations under the old policy unless such policy provides
otherwise
employees allegedly represented to petitioner that he should take an Individual Mediclaim Policy to cover his health. On a pointed query from petitioner that ... satisfying itself as to the insurable interest of the petitioner, individual Mediclaim Policy No. 2002/34 was issued to him effective from 10th
issuance of policy, the insured was not entitled to
claim benefit under the policy owing to the “preexisting
exclusion” under the policy ... would exclude a policy holder or an insured from the benefits of the
said policy must be clearly mentioned in the policy itself. The same
amount obtained by the claimant
under a separate 'Mediclaim policy' in connection with the same
injuries sustained in a road traffic accident ... policy involved (Mediclaim
policy) and the policy considered by the Full Bench of the said
Court (Life Insurance Policy)and simply held that no deduction
observed that the
amount received by the claimant under the Mediclaim
policy will not come in the way of claiming medical
expenses. But however, another ... observed that the amount claimed by the
claimants under the Mediclaim policy will have to be
deducted while awarding damages under the heading of
medical
justiciable issue. A copy of the prospectus of the mediclaim insurance scheme and a mediclaim policy was produced with the said affidavit-in-reply ... insurance policy means repetition of the original policy and when renewed, the policy is extended, and the renewed policy in identical terms from a different
Critical Illness Insurance Policy that it is a benefit policy covering disability of the insured. The policy is meant to cover earning individuals where ... covered under the existing policy which may have been contracted during the period of the expiring policy. Renewal of Mediclaim Insurance policy cannot be refused
made by the petitioners under their Mediclaim Policies along with interest thereon and, (ii) to renew the Mediclaim Policy of the petitioners on the original ... Respondent No.1. The last renewed policy being the Mediclaim policy shown at S.No.5 which covered the period
this kind of mediclaim
policy.
8. The policy was produced by the complainant,
and the first paragraph itself reads Individual
mediclaim policy will be available ... concluded contract. When there is no policy, and when the
conditions of the policy says, this kind of mediclaim policy can be issued
