Pre-Existing Disease Exclusion Applies If Illness Pre-Dates Policy Enhancement | Mediclaim Sum Insured Enhancement Under CPA 1986 : Gujarat CDRC
The Gujarat State CDRC upheld the insurer’s pre-existing disease exclusion, ruling that an illness occurring before a mediclaim sum-insured enhancement bars reimbursement under the enhanced limit. The decision limits insurer payouts to the original sum insured, affecting policyholders who enhance coverage after a disease onset.