ICICI Lombard denied health insurance claim, stating the policy was cancelled; policyholder wins the case in consumer court, here’s why

A Rs 37,950 health insurance claim became a lesson in consumer law. The Delhi State Consumer Commission dismissed ICICI Lombard General Insurance Company's appeal, not because it ruled on whether the claim itself was valid, but because the insurer failed to follow mandatory legal procedures during the case.

Here's what happened, and why every insurance policyholder should know about it.