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.
An insurers and hospitals meeting on October 9 has brought discharge delays back into focus, highlighting how policyholders continue to face waiting times during hospital discharge. The question now is whether coordination between insurers and healthcare providers can streamline approvals, documentation, and processes so patients spend less time caught between billing and discharge.
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