Exclusion clauses must be communicated

The National Commission held there was no evidence to show that Veena had been served the terms and conditions governing the policy

Vijender Pal Mahajan bought an insurance policy from Aegon Life Insurance on March 13, 2012. The policy, called Aegon Religare Health Plan, had a tenure of five years. It covered Vijender as well as his wife Veena for a sum of Rs 4,90,000. The annual premium was Rs 34,705.

During the tenure of the policy, Veena had to be hospitalised. She was admitted to Medanta Medicity Hospital in Gurgaon on April 20, 2012, and was found to be suffering from severe Aortic Stenosis (AS), Type-II diabetes, and hypothyroidism. On April 23, 2012, she underwent surgery for aortic valve replacement.

A claim of