C.A. No. 003989 / 2010

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Under an insurance policy containing a Critical Illness Rider, an insurer's liability is strictly limited to the specific illnesses enumerated in the policy terms; a claim arising from a medical condition not expressly covered by the exhaustive list of specified illnesses cannot be sustained. This analysis, available on casestatus.in, affirms that contractual riders in insurance policies must be construed strictly as per their express terms, and no claim can be admitted by expanding the scope of enumerated coverage beyond what is explicitly stipulated.