Insurance coverage: Exclusions for genetic disorders need to be reasonable

After the Delhi High Court's recent ruling, blanket exclusion of genetic disorders from coverage is likely to become a thing of the past

A recent judgement by the Delhi High Court, in a case where a person was denied payment by an insurance company on the ground that genetic disorders are not covered by its policy, is expected to lead to far-reaching changes. The Court's order is expected to force the Insurance Regulatory and Development Authority of India (IRDAI) to come out with clearer guidelines regarding which genetic ailments get covered, which don't, and under what circumstances .
 
Facts of the case: Jai Prakash Tayal had purchased a mediclaim policy from National Insurance in 2000, which he later shifted to United India