New Delhi: The Delhi High Court Monday held that every one insurance companies are liable to give effect to the Mental Healthcare Act 2017 of their insurance policies from the time it got here into power in 2018 and any delay in doing so can be “contrary to the letter and spirit of the law”.
Justice Prathiba M Singh mentioned insurance regulator IRDAI is responsibility certain to supervise the insurance companies and be certain that they adjust to the Act and it “cannot turn a blind eye” to non-implementation of the identical.
IRDAI has to be certain that all of the insurance merchandise issued by insurance companies are in accordance with the legislation, the excessive courtroom mentioned.
The courtroom’s instructions got here on a girl’s plea whose declare for reimbursement of prices for remedy of schizophrenia had been rejected by the National Insurance Company Ltd on the bottom that psychiatric issues had been excluded from medical cowl.
The courtroom held that her declare for Rs 6.67 lakh was reimbursable and that she was entitled to the identical.
The courtroom additionally imposed a value of Rs 25,000 on the insurance firm to be paid to the lady for forcing her to go for litigation to declare reimbursement.
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