Shikha Nischal vs National Insurance Company Limited

Judicial Analysis Court Copy Headnote Facts Arguments Court observation

DELHI HIGH COURT
PRATHIBA M.SINGH
Shikha Nischal – Appellant
Versus
National Insurance Company Limited – Respondent

Table of Content
1. insurance coverage for mental illness. (Para 2 , 3)
2. claim rejection based on policy exclusions. (Para 4 , 5 , 6)
3. reliefs sought by the petitioner. (Para 7 , 8)
4. arguments for insurance coverage compliance. (Para 9 , 10 , 11 , 12)
5. irdai's obligation to enforce insurance regulations. (Para 13)
6. historical context of mental health legislation. (Para 14 , 15 , 16 , 17)
7. irdai's regulatory duties and powers. (Para 18 , 19)
8. legal importance of non-discrimination in insurance. (Para 20 , 21 , 22)
9. necessity for mental health coverage. (Para 23 , 24 , 25)
10. non-implementation of mha provisions. (Para 26 , 27 , 28)
11. need for compliance with mha provisions. (Para 29 , 30 , 31)
12. court's directive on costs and compliance. (Para 32)
13. final order on mental illness discrimination. (Para 33 , 34)

JUDGMENT

Prathiba M. Singh, J. (Oral)

1. This hearing has been done through Video Conferencing.

2. Can mental illness be treated differently from physical illness for medical insurance purposes, is the question that arises in the present petition.

3. The petition raises an important issue relating to insurance coverage for mental illnesses and the provision of non-

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DELHI HIGH COURTPRATHIBA M.SINGHShikha Nischal – AppellantVersusNational Insurance Company Limited – Respondent

DELHI HIGH COURT
PRATHIBA M.SINGH
Shikha Nischal – Appellant
Versus
National Insurance Company Limited – Respondent