SRI. JIMMY KORAH (PRESIDENT) Filed on 30/11/2006 The case of the complainants is that first complainant is the holder of universal health policy from the opposite parties and he is claiming Rs.51,686/- from the said policy, but it was repudiated by the opposite parties. He says deficiency of service on the part of the opposite parties. Hence the present complaint. 2. The opposite parties contended that there is no deficiency in service on the part of them, since the policy issued is not one in continuation of any earlier policies or a renewal of any policies. According to them a new policy, on the basis of proposals, was issued. More over the other policy expired one month prior of above policy. According to them records produced by the complainant disclosed the pre-existence of the ailment. Hence repudiation of the claim is justifiable. 3. On the side of the complainants 2nd complainant was examined as PW1 and Exts.A1 to A7 marked. On the side of the opposite parties Exts.B1 to B5 marked. 4. We have gone through the pleadings, records and all the evidences adduced by the parties. Here sole question is to be decided that there is any pre-existence of ailments, the complainant who had undergone treatment admittedly suffering from same diseases from 2000 onwards and present claim is hit by exclusion clause 4(1) and 4(2) of policy conditions. Hence there is no deficiency in service on the part of the opposite parties. In the result, complaint dismissed. No order as to costs. Dictated to the Confidential Asst. transcribed by her corrected to me and pronounced in open Court on this the 30th day of January, 2009. Sd/- Sri. Jimmy Korah: Sd/- Sri. K. Anirudhan: Sd/- Smt. N. Shajitha Beevi : Appendix:- Evidence of the complainant:- PW1 - Santhi.R. (Witness) Ext.A1 - Attested copy of the policy schedule Ext.A2 - Attested copy of the receipt for Rs.548/- Ext.A3 - Attested copy of the policy schedule Ext.A4 - Attested copy of the receipt No.3286038 Ext.A5 - Attested copy of the Universal Health Insurance claim form Ext.A6 - Attested copy of the registered letter with a/d dated 12.7.06 Ext.A7 series - Attested copy of the medical bills Evidence of the opposite parties:- Ext.B1 - True copy of the Policy and conditions Ext.B2 - Claim form submitted by the complainant Ext.B3 - Certificate of doctor in the prescribed form Ext.B4 - Discharge Summary Ext.B5 - Copy of repudiation letter // True Copy // By Order Senior Superintendent To Complainant/Opposite parties/S.F. Typed by:-pr/- Compared by:- | 
