Case Law Analysis
|Punjab and Haryana High Court
Pre-Existing Condition Under Health Insurance Must Be Diagnosed, Not Merely Symptomatic : Punjab & Haryana HC Upholds Ombudsman Award
Punjab & Haryana High Court rules that persistent symptoms like pain and swelling, without a confirmed medical diagnosis, cannot be classified as a pre-existing condition under health insurance policies. The judgment reinforces that insurers must base exclusions on formal diagnoses, not clinical symptoms alone, impacting claim settlements for policyholders.