High Court: Health Insurance Claim Rejection is Equivalent to Denying Right to Life

During a hearing, the Kerala High Court determined that denying a patient’s health insurance claim is a violation of Article 21, effectively obstructing their right to life. The court’s decision, delivered by Justice P.M. Manoj, stemmed from a specific case. The ruling stated that insurance companies must not reject claims for treatments recommended by a doctor if the policyholder is eligible. The court held that rejecting such claims is equivalent to depriving the patient of their right to life. The court’s directive underscored the importance of ensuring that individuals receive the medical care they need without unwarranted denial of insurance claims.