Page 13 - Misc Ebook IC 78

Miscellaneous Insurance

(ii) The profession or occupation of the proposer.
(iii) The situation of the premises.
(iv) The construction of the premises.
(v) The sum proposed item wise.
(vi) Details of past insurance history and claims

experience.
(vii)Details of existing fire and burglary insurance history

and the name of the insurers etc.

Q2. Specify the exclusions which are included in
a mediclaim policy.

Ans. The Mediclaim has the following exclusions :
(i) All pre-existing diseases and injuries when the cover
incepts for the first time.

(ii) Any diseases other than those stated under clause
III, contracted by the insured person during the first
30 days from the commencement of the policy.
However, this exclusion shall not be applicable if
the insured could not have known of the existence
of the disease or any of its symptoms (as per the
panel of medical practitioners). This condition is also

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