Bombay High Court strikes down health insurance forfeiture for late document submission — insurers must pay

A simple late invoice date can’t erase your claim

A Bombay High Court ruling has protected policyholders whose health insurance claims were rejected only because documents were submitted after a 90-day deadline. In the case of C.P. Ravindranath Menon and his wife, United India Insurance refused reimbursement of ₹1.13 lakh for domiciliary and OPD-related expenses during the policy period. The court held that clauses extinguishing rights due to procedural delay are void under Section 28 of the Contract Act, ordering payment within eight weeks plus 6% interest. Insurers may appeal to the Supreme Court.