Insurers cannot arbitrarily reject claims after Doctor-advised treatment, surgery: Kerala HC

Written By :  Anshika Mishra
Published On 2025-10-07 12:15 GMT   |   Update On 2025-10-07 12:40 GMT
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The Kerala High Court bench recently ruled that once an insured person has undergone treatment or surgery based on the expert opinion of a doctor, the insurer cannot arbitrarily reject the claim.

According to the HC bench comprising Justice P.M. Manoj, denial of an insurance claim for medical treatment amounts to a violation of the right to life under Article 21 of the Constitution. It denies treatment and infringes upon a citizen's fundamental right to life and health.

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Kerala HC: Insurers Cannot Arbitrarily Reject Claims After Doctor-Advised Treatment or Surgery

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