Insurance firms will pay for any hospitalisation linked to mental ailments, but OPD treatment will be covered only if specifically included in the policy.
Looking after a loved one diagnosed with ailments that are seen as irreversible is a tough task. But having a financial plan in place to estimate and provide for the treatment expenses can make coping with the illnesses less financially taxing, as you cannot rely on health insurance policies for recurring, lifelong medical expenses.
While upholding the orders passed by fora below, the national consumer disputes redressal commission (NCDRC) directed Royal Sundaram General Insurance Co Ltd (formerly known as Royal Sundaram Alliance Insurance Co Ltd) to pay the Rs10 lakh insurance claim along with Rs1 lakh as compensation and Rs5,000 as litigation cost to the wife of the deceased policyholder. It also asked the insurer to pay an interest of 9% on the delayed payment from the date of filing the complaint.
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