Explain basis for approving insurance policies excluding mental illnesses from full coverage: HC to IRDA
The Hindu
The petitioner has contended that he has been regularly paying the premium for a sum assured of ₹ 35 lakh, but when he claimed the insurance amount for his treament, he came to know that in case of a mental illness the sum assured is restricted to ₹ 50,000.
The Delhi High Court has asked insurance sector regulator IRDAI to explain on what basis it was approving insurance policies that excluded mental conditions from full coverage. Justice Prathiba M. Singh said the Mental Healthcare Act of 2017 makes it clear that there can be no discrimination between mental and physical illnesses and the insurance provided in respect thereof. The direction to the Insurance Regulatory and Development Authority of India (IRDAI) by the court came on a plea of a man whose claim for reimbursement of costs in the treatment of his mental illness was restricted to ₹ 50,000 by the insurance provider – Max Bupa Health Insurance Company Ltd.More Related News