In Brief
United India Insurance challenged the High Court's decision striking down broad genetic disorder exclusions in health insurance policies as unconstitutional. The Supreme Court upheld that health insurance access is integral to the constitutional Right to Health (Article 21) and that discrimination based on genetic disposition without scientific testing violates equality rights (Article 14). The Court ruled insurance companies must base contract terms on empirical data, not arbitrary factors. It stayed the High Court judgment pending further orders and directed the Insurance Regulatory Authority to review and reform genetic exclusion clauses to prevent claim rejections based on genetic status.
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