Hyderabad, Feb. 15 -- The Telangana Consumer Disputes Redressal Commission has ruled that if an insurance policy is issued to a senior citizen without conducting medical tests, the insurer must bear the associated risk and cannot later reject claims on that basis.

The Commission clarified that allegations of pre-existing diseases cannot be made without proof, and the burden of establishing such claims lies with the insurance company.

Case details

According to the case details, G Manmohan had purchased a health insurance policy from Star Health Insurance in 2019 and had been paying an annual premium of Rs 26,550.

Three years later, he was hospitalised due to a urinary tract infection, incurring medical expenses amounting to Rs 2.26 lak...