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All insurance companies offering contracts of Health Insurance must not reject any claim on an existing health insurance policy based on exclusions related to Genetic Disorder. Insurers must not include Genetic Disorders as an exclusion in new health insurance policies under existing products. Insurers must also not include Genetic Disorders in new products launched or filed under the Guidelines on Product Filing in Health Insurance Business.
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Ref: IRDAI/HLT/REG/CIR/046/03/2018
19th March, 2018
To All Life, General and Health Insurers,
Re: 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'.
All insurance companies are directed not to include 'Genetic Disorders' as one of the exclusions in new health insurance policies issued in respect of all their existing health insurance products and also in the new products launched and/or filed under the provisions of Guidelines on Product Filing in Health Insurance Business (Ref. No: IRDA/HLT/REG /CIR/150/07/2016 dated 29th July, 2016).
[Image omitted. See the official document.]
MEMBER (Non-Life)
सर्वे नं. 115/1, फाइनेंशियल डिस्ट्रिक्ट, नानकरामगुडा, हैदराबाद-500 032, भारत Survey No. 115/1, Financial District, Nanakramguda, Hyderabad-500 032, India धी : +91-40-2020 4000, फैक्स : +91-40-2020 4555 वेबसाइट : www.irdai.gov.in Page 1 of 1 (: +91-40-2020 4000, Fax : +91-40-2020 4555 Website : www.irdai.gov.in
