Navigation Links
NIACL to Pay Rs 2.19 lakh for Repudiating Mediclaim Policy

A consumer court here has asked an insurance company to pay Rs 2.19 lakh to a man who was denied reimbursement after undergoing cardiac bypass surgery,// and held it guilty of "wrongful repudiation" of the mediclaim policy on the ground of concealment of pre-existing ailments.

The Delhi State Consumer Disputes Redressal Commission ordering the National India Assurance Company Limited (NIACL) to pay the amount within a month, said, "we cannot escape from arriving at the irresistable conclusion that disease referred to in the discharge summary was not such a disease that disentitled respondent of insurance policy." The order came on an appeal filed by the NIACL against the order of a District Consumer Forum which, holding it guilty of wrongfully repudiating the policy of one S K Khosla, had asked it to pay the medical expenses in the tune of Rs 1.74 lakh alongwith interest at the rate of nine percent from the date the same became due.

However, the Commission headed by Justice J D Kapoor and Member Ruminita Mittal, though upheld the Forum's verdict, did away the interest part of the award and asked the company to pay Rs 2.19 lakh as full and final compensation including the litigation cost.

As per Khosla's complaint, he, on November one, 1991, bought a mediclaim insurance policy for a year from the NIACL. Later, he kept on renewing the policy.

In June 1994, Khosala was admitted to Escorts Heart Institute following some cardiac complications and underwent bypass surgery.

The company refused to reimburse his medical expenses stating the disease was pre-existing, which was not divulged at the time of renewal, and the policy was not continuous. The Commission, taking cognizance of the plight of the insured, said "the policy in question was continuation of the earlier policy and not a fresh contract and for the NIACL' act of ommission and commission, interest of insured can not be put in jeopardy." The commission al so held such diseases can not be said to be pre-existing hence, the repudiation was not just.

(Source: PTI)

Related medicine news :

1. New UK Policy Threatens The Flexible Working Scheme
2. Global Fund Policy Encouraging Drug Resistance
3. Medical councils Claim Lack Of Funds For The New Medical Policy Of The Elderly
4. Neurologists Call For National Stroke Prevention Policy
5. HIV/AIDS Policy Needed at Workplace: Experts
6. OPPI Opposes Draft National Pharmaceuticals Policy
7. Chinas Insurance Companies Offer Policy for Altitude Sickness
8. Cabinet Clears Purchase Preference Policy for Pharma PSUs
9. Private Health Insurance Policy Holders on the Rise
10. China Embarks On One Dog Policy
11. New Drugs Prices Control Order to Be Issued After Finalisation of New Pharmaceutical Policy
Post Your Comments:

(Date:11/30/2015)... ... 30, 2015 , ... Holcomb – Kreithen Plastic Surgery ... practices in Florida, is proud to announce that Dr. Joshua Kreithen, one of ... Inc., a Johnson & Johnson Company. , Ethicon is a global medical device ...
(Date:11/30/2015)... ... November 30, 2015 , ... ... pleased to announce the speakers for “Value-Based Payer-Provider Partnerships: Three Case Studies,” ... three innovative value-based care arrangements: Essentia Health and UCare, MissionPoint Health Partners, ...
(Date:11/30/2015)... New York, New York (PRWEB) , ... November 30, 2015 , ... ... at the Greater New York Dental Meeting. Their Ecosystem empowers dentists to make complex ... Dentists who visit the booth will receive a free fee survey with 10 procedures ...
(Date:11/30/2015)... ... , ... The successful filing of an Investigational New Drug application (IND) is ... this key industry segment, Regis Technologies has decided to sponsor and participate in an ... EST. , Federal law does not allow new drugs to cross state lines until ...
(Date:11/30/2015)... ... 2015 , ... Vasont Systems, a top component content management ... unites with Syncro Soft’s latest software update, oXygen XML editor Version 17.1. Users ... latest release of oXygen® XML editor and the Vasont® CCMS. , The ...
Breaking Medicine News(10 mins):
(Date:11/30/2015)... Nov. 30, 2015   VolitionRx Limited (NYSE MKT: ... tests for a broad range of cancer types and other ... Micro Conference, which will be held December 1 - 3 in ... VolitionRx will be David Kratochvil , Chief Financial Officer ... Investor Relations. ® blood-based tests for colorectal ...
(Date:11/30/2015)... Nov. 30, 2015  Precision Image Analysis Inc. ... pleased to announce a dramatic expansion of its ... Building on its ISO-9001:2008 certification for its Quality ... Core Lab protocols and procedures. This expansion enables ... activities.  Their Core Lab services include design and ...
(Date:11/30/2015)... BOSTON , November 30, 2015 ... medicines directed at up to 10 G protein-coupled receptor ... PFE ) to research and develop potential new medicines ... targets across multiple therapeutic areas. --> Heptares ... development company and wholly-owned subsidiary of Sosei Group Corporation ...
Breaking Medicine Technology: