A.K.ANNAMALAI, J. - (1.) The 1st opposite party is the appellant.
(2.) The complainant availed mediclaim policy from 1st opposite party by paying the premium of Rs.9,357/- for the period from 17.3.05 to 16.3.06 with the coverage for himself and for his daughter on 5.4.05 through the 2nd opposite party. While taking policy the complainant was not having any previous disease. On 25.11.05 he developed giddiness, chest pain with sweating and on the advise of the doctor he got admitted in Apollo Hospital on 28.11.05 and discharged on 1.12.05 and once again on 16.12.05 and discharged on 18.12.05 in the same hospital. Angiography was conducted, for the two treatments he has spent Rs.48,607/- towards medical expenses. When the claim was made to the 1st opposite party the claim was rejected on the ground of exclusion clause as it was pre-existing disease. Hence the complainant filed the complaint claiming Rs.1,00,000/- as compensation and Rs.48,604/- towards medical expenses and with costs.
(3.) 1st opposite party denied the allegations of the complainant and in the written version it is stated that the claim was repudiated on the ground the complainant was suffering from hypertension for the past 25 years and as pre-existing disease on suppression of facts the claim was repudiated. No deficiency on their part.;