V.K.JAIN
Religare Health Insurance Co. Ltd. – Appellant
Versus
Arpan Dhawan – Respondent
V.K. Jain, Presiding Member—The first issue involved in this revision petition is as to whether the disorder, from which the son of the complainant suffered, was a congenital or a genetic disorder. The petitioner has filed opinion from Prof. Dr. Alka Deshpandey, stating therein that genetic and congenital are two different groups of disorders, are not used as synonyms and are not interchangeable. She has also opined that all congenital disorders / defects are not genetic disorders. In the Discharge Summary, issued by MAX hospital, the disorder of the son of the complainant was described as a known case of congenital nephritic syndrome. At the time of discharge, the patient was advised management of Congenital Nephrosis. However, Dr. C.H. Asrani in his opinion dated 19.2.2014, observed that the child had congenital nephrotic syndrome, which was an inherited disease (genetic). Even Prof. Alka Deshpandey whose opinion the petitioner has filed, pursuant to the liberty granted by this Commission vide order dated 22.5.2018, has conceded in her report that some congenital disorders / defects can also be genetic disorders, when she said that all congenital disorders / defects a
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