Today health insurance is mandatory. Because it is not possible to say who will be affected and when. When such an impact comes, the situation will get worse if there is no cash on hand. We will be pushed into a state of mental and financial hardship. In that case, the health policy will work. That is why it is considered the best approach to take when the policy is good.
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There are several types of medical insurance. Manmohan Nanda has taken foreign medical insurance from United India Insurance. A few days after taking this he went to San Francisco in the US. When I got there I had a sudden heart attack. He was rushed to hospital. Nanda underwent angioplasty.
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Doctors attached three stents to remove the blockages in the heart. Nanda asked United to pay for the treatment as he was insured. But that company, Nanda has insurance without telling us that she has hyperlipidemia and diabetes. He lost the right to claim insurance because his physical discomfort was hidden from us. So they refused to pay for the treatment.
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Disappointed, Nanda approached the National Consumer Complaints Commission. The commission failed to provide complete information on Nanda’s health. The insurance company rejected Nanda’s plea, saying the argument was correct. Nanda then approached the Supreme Court. The petition was filed before Judges DY Chandrasooty and PV Nagaratna. After hearing the arguments of both the parties, the judges issued the order, saying,
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He has made this clear in his application. But he hid other diseases he had. So the claim that we do not pay insurance cannot be accepted. For this reason the insurance company should not refuse to accept medical expenses. The petitioner has mentioned his health condition in the application. As a result, he was injured and sought treatment.
It is illegal to reject a United Insurance policy claim.
By law the company must pay the sum insured. The purpose of the policy purchased by the petitioner is to compensate for any unforeseen health problems that may arise abroad. It is the duty of the insurance company to compensate for the expenses incurred under his / her health due to any other unforeseen circumstances mentioned in the application. So the company has to pay the insured amount. ”