I bought a health insurance policy for my family, paying an initial premium of Rs. 17,000. After the payment, my mother’s medical checkup revealed a blood pressure reading of 125/80, which is considered normal for a woman her age (54). However, the insurance company rejected our application citing high blood pressure as the reason. Initially, they refused to refund my premium, but after I lodged a complaint with the IRDA, I received the refund after a month. Can I file a consumer complaint against them for the mental distress caused?

Apni Law
Apni Law
Law Forum › Category: Consumer Court › I bought a health insurance policy for my family, paying an initial premium of Rs. 17,000. After the payment, my mother’s medical checkup revealed a blood pressure reading of 125/80, which is considered normal for a woman her age (54). However, the insurance company rejected our application citing high blood pressure as the reason. Initially, they refused to refund my premium, but after I lodged a complaint with the IRDA, I received the refund after a month. Can I file a consumer complaint against them for the mental distress caused?
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Apni Law Staff asked 6 months ago

I bought a health insurance policy for my family, paying an initial premium of Rs. 17,000. After the payment, my mother’s medical checkup revealed a blood pressure reading of 125/80, which is considered normal for a woman her age (54). However, the insurance company rejected our application citing high blood pressure as the reason. Initially, they refused to refund my premium, but after I lodged a complaint with the IRDA, I received the refund after a month. Can I file a consumer complaint against them for the mental distress caused?

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Best Answer

Apni Law Staff answered 6 months ago

Yes, you can file a consumer complaint against the insurance company for the mental distress caused due to their unfair rejection of your application and subsequent delay in refunding your premium. The Consumer Protection Act, 2019, allows you to seek compensation for mental distress caused by unfair trade practices.

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