A software engineer, who tragically lost his mother in a violent attack and spent over Rs 10 lakh on treatment for his critically injured father, was denied a health insurance claim by HDFC ERGO due to an alleged history of alcohol consumption.
What followed was a legal battle against the insurer, which had repudiated the claim despite receiving clarifications from the treating hospital and doctor that the patient had no history of alcohol consumption. The District Consumer Disputes Redressal Commission has now come to the family's relief, directing HDFC ERGO to pay Rs 6 lakh along with interest, stating that the denial of the claim was not justified.
