Bombay HC: Disability Certificate from Non-Treating Doctor Can't Doom Worker's Compensation Claim

In a significant ruling for injured workers, the Bombay High Court has overturned a lower commissioner's blanket rejection of a compensation claim, holding that a disability certificate issued by a qualified medical practitioner —even one who didn't personally treat the injured employee—is valid evidence under the Employees’ Compensation Act, 1923 . Justice Jitendra Jain, in Mahendra Sabharu Majhi v. M/s. Mahalaxmi Enterprises & Anr. (First Appeal No. 1627 of 2012), remanded the case back for proper assessment, emphasizing expert evaluation over rigid technicalities.

From Construction Fall to Courtroom Battle

Mahendra Sabharu Majhi, a 27-year-old laborer from Odisha, was working at a Thane construction site for employer M/s. Mahalaxmi Enterprises in March 2010 . While on duty, he fell, suffering severe back injuries, and was hospitalized at Lok Hospital, Thane, from March 22 to 29 . Majhi filed a claim for Rs. 5,95,584 against his employer and insurer Bajaj Allianz General Insurance Co. Ltd. before the Commissioner for Workmen’s Compensation .

The commissioner dismissed the claim outright in June 2012 , ruling against Majhi on all fronts—including employment relationship and accident occurrence—solely because the disability certificate came from a doctor who hadn't treated him at the hospital. Despite the doctor testifying and facing cross-examination , the commissioner discarded the evidence. Majhi appealed in 2012, with the high court framing the key question in 2026: Was the rejection justified on that ground alone?

Appellant's Plea: Expertise Over Treatment History

Majhi's counsel, Ms. Varsha Nichani , argued that the Employees’ Compensation Act doesn't mandate certificates only from treating doctors. She highlighted Sections 4(1)(c)(ii) and Explanation II , which require assessment by a “ qualified medical practitioner ” as defined in Section 2(1)(i) —anyone registered under relevant medical laws. The doctor in question fit this bill, examined records, assessed loss of earning capacity , and testified a year later. Nichani cited a Karnataka High Court precedent, Mukesh Kumar v. Kulhari Tours and Travels (2025 SCC OnLine Kar 808), affirming no such restriction exists, allowing any qualified expert's input.

Respondent No. 1 (employer) appeared via Mr. Vijay Sardal , but insurer Bajaj Allianz skipped hearings despite notice, leading to an ex parte decision . The respondents implicitly defended the commissioner's stance on the certificate's invalidity, but the court found no substantive counter to the statutory interpretation.

Decoding the Act: No 'Treating Doctor' Mandate

Justice Jain dissected the Act, noting no provision demands treatment history for certification. “I have not been shown any provision in the Act... which states that the disability certificate has to be issued only by the doctor who attended the injured,” he wrote. The purpose? Securing an impartial expert opinion on disability percentage for compensation calculation.

The court criticized the commissioner for tainting unrelated issues—like employment ties and accident circumstances—with the certificate flaw. A non-treating expert can rely on records, examine the worker, and withstand cross-examination , ensuring reliability. Echoing the Karnataka ruling, Jain stressed: the Act bars no qualified practitioner from assessing disability.

Key Observations from the Bench

  • “There is no dispute that the doctor who issued the disability certificate in the present case is a qualified medical practitioner . The object of obtaining a medical disability certificate from a medical expert is to arrive at the percentage of disability by taking the help of an expert in the field.”

  • “A qualified medical practitioner who has not treated the injured can always give evidence on the basis of the medical reports of the injured and give a certificate on the loss of earning capacity or disability. Such a doctor is always open for cross examination.”

  • “Merely because the doctor gave a medical certificate who did not attend the injured but entered the witness box after one year cannot be a ground for discarding and rejecting the whole claim.”

  • “The impugned order is set aside and is remanded back to the Commissioner for the limited purpose of considering the evidence on record and giving a finding on loss of earning capacity .”

Remand with a Deadline: A Fresh Chance for Justice

Answering the substantial question in Majhi's favor, the court allowed the appeal, set aside the 2012 order, and directed the commissioner to reassess disability percentage using the doctor's evidence—without revisiting other settled issues. Majhi must appear on March 23, 2026 , with disposal by June 30, 2026 .

This decision broadens access to compensation for blue-collar workers, preventing technical dismissals and reinforcing the Act's protective intent. As media summaries note, it underscores that expert certification trumps treatment technicalities, potentially easing claims in construction and labor sectors where records may vary.