Insurer must pay for specified OPD treatments

The policy specifically mentioned treatment for oesophageal manometry as one of the exceptions for which the claim would be covered even if taken as an outpatient

Anila Gupta had purchased a health insurance policy called Arogya Raksha. This policy was issued by the Chennai Divisional Office of United India Insurance in arrangement with Indian Bank. The premium for the policy was routed through Indian Bank, Nariman Point Branch, Mumbai, with which Anila had an account.

The policy, which covered both Anila and her husband Binoy, was purchased in 2009. It was renewed over the years without break. The policy for the period December 1, 2015 to November 30, 2016 had a coverage limit of Rs 5 lakh. Binoy fell ill during the tenure of the policy. He