ORDER

J.D. Kapoor, President (Oral)- The claim of the appellant against medi-claim policy was repudiated by the respondent for non-disclosure of pre-existing disease, consequently the appellant filed instant complaint before District Forum.

2. Vide impugned order dated 8.11.2002, the District Forum dismissed the complaint of the appellant by accepting the version of the respondent that the appellant has not disclosed that a year before he was suffering from same disease and was admitted in the hospital.

3. Feeling aggrieved the appellant has preferred this appeal.

4. We have perused the impugned order closely and find that the first policy was taken in the year 1993, which was valid for a period of one year w.e.f. 21.10.1993 to 20.10.1994. Admittedly the appellant had taken claim against the policy for Rs. 13,518 for the treatment of Pseudo Pancreatic Cyst. After expiry of the said policy another renewed policy was issued by the respondent, which was valid from 13.2.1995 to 12.2.1996. However the appellant again felt some pain and got ultra sound of the abdomen done on 4.5.1995, and again a large cyst of size 12.4 X 8.2. cms was found over the tail and body of the pancreas, for which