Congenital Anomaly refers to a condition(s) which is present since birth, and which is abnormal with reference to form, structure or position. External Congenital Anomaly: which is in the visible and accessible parts of the body is called External Congenital Anomaly. Internal Congenital Anomaly: which is not in the visible and accessible parts of the body is called Internal Congenital Anomaly.Common Clauses Health Insurance : Contribution: Contribution is essentially the right of an insurer to call upon other insurers, liable to the same insured, to share the cost of an indemnity claim on a rateable proportion.