In the year of 2010, continuity of my mediclaim policy could not be stand just because of bouncing of cheque for insufficient funds reasons.  Before 2010,  I was paying premium regularly and still paying on yearly without any delay except 2010.   Due to unawareness of provision for condon of lapse,  now I applied for condon the lapse of a day held in the year of 2010.  But Oriental Insurance Company Limited has refused to condon the said lapse.  I have already incurred the expenses of Rs. 1.5 lac.  Kindly suggest, if there is any provision so that I could reimburse the amount?