IRDAI issues directions to all insurers on not including ‘Genetic Disorders’ in new health insurance policies

Mar 20, 2018 | by Avantis RegTech Legal Research Team

Insurance Regulatory and Development Authority of India (IRDAI) vide circular dated March 19, 2018 on Directions of High Court of Delhi at New Delhi on Exclusions related to Genetic Disorders. In the matter of M/s United India Insurance Company Limited Vs. Jai Parkash Tayal (RFA 610/2016 & CM Nos. 45832/2017) Hon’ble High Court of Delhi at New Delhi held that the exclusionary clause of ‘Genetic Disorders’, in the insurance policy, is too broad, ambiguous and discriminatory – hence violative of Article 14 of the Constitution of India and directed Insurance Regulatory and Development Authority of India (IRDAI) to re-look the exclusionary clauses in insurance contracts and ensure that insurance companies do not reject claims on the basis of exclusions relating to genetic disorders.

Thus, in pursuance to the directions of Hon’ble High Court all insurance companies offering contracts of Health Insurance are hereby directed that no claim in respect of any existing health insurance policy shall be rejected based on exclusions related to ‘Genetic Disorder’.

[RDAI/HLT/REG/CIR/046/03/2018]

URL: https://www.irdai.gov.in/ADMINCMS/cms/whatsNew_Layout.aspx?page=PageNo3426&flag=1


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