India, April 23 -- Eight years after a road accident left him blind in one eye, a 49-year-old Mumbai man has finally won Rs.16.5 lakh in insurance compensation. "My retina has completely detached, leaving my eye clouded and without vision," he said. But the fight wasn't just medical-it was against an insurance system that dismissed his pain and denied his rightful claim.

Experts say the man's case underscores the emotional and legal toll many policyholders face and highlights growing calls for reform in how insurers assess disability and settle claims.

After a road accident in Hyderabad in 2017, Chetan Tolia, a jewellery businessman from Ghatkopar, underwent multiple surgeries, including a failed corneal graft and treatment for retinal ...