Hyderabad, July 27 -- The Hyderabad District Consumer Commission-II has directed Niva Bupa Health Insurance to pay Rs 20 lakh to a policyholder.

It ruled that a visible disability like polio cannot be treated as a concealed medical condition.

Policyholder's claim was rejected

The complainant, Soodini Padma Reddy, a resident of Banjara Hills, had been living with polio since he was three years old.

Despite renewing his health insurance policy with Niva Bupa since 2019, he was left with no option but to pay his treatment cost of Rs 23.5 lakh in May 2024 when he underwent heart surgery at a private hospital.

When he sought reimbursement under his health insurance policy, the insurance company rejected the claim, stating that he had not ...