Insurance companies have been instructed by the Delhi State Consumer Commission to compensate medical expenses incurred by a patient within a year of taking mediclaim policy even though the exclusion clause is declared or not.

The exclusion clause acknowledged that policy holders cannot claim their medical policy within a year of taking it.

Talking in relation to exclusion clause government finds insurance companies at fault of not conveying this clause to the policy holders while policy is issued.

Commission also said, we discover that there are no lope holes in this order because exclusion clause was not brought to the notice of the complainant and, hence it cannot bind him.