Insurance Claims Cannot Be Denied For Pre-Existing Ailments Without Prior Medical Tests: Delhi State Commission

The Delhi State Commission ruled that insurance claims cannot be denied for pre-existing ailments without prior medical tests. The case involved a consumer whose claim was rejected by the insurance company on the grounds of pre-existing medical conditions. The commission held that such claims cannot be automatically rejected unless it is proved with proper medical evidence and tests. The ruling emphasizes that insurance providers must adhere to the principles of fairness and transparency and cannot arbitrarily deny claims based on assumptions about pre-existing conditions without proper medical documentation. This decision protects consumers from unjust rejection of claims and sets a precedent for insurance companies in handling claims fairly.