#health insurance claims

The Kerala High Court has ruled that denying MEDISEP medical claims merely because treatment was received at a non-empanelled hospital violates the fundamental right to health under Article 21. The judgment reinforces that the authenticity of treatment, certified by medical records, is the only valid criterion - not administrative empanelment status. This protects thousands of beneficiaries, especially in emergencies where empanelled hospitals are inaccessible.

The Bombay High Court ruled that government employees may claim medical reimbursement using duplicate bills if originals are genuinely misplaced, provided no fraud is alleged. This sets a vital precedent for public servants facing administrative rigidity, affirming that procedural inflexibility cannot override substantive justice in genuine cases.