{"id":308214,"date":"2023-12-01T17:00:25","date_gmt":"2023-12-01T11:30:25","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=308214"},"modified":"2023-12-07T17:27:29","modified_gmt":"2023-12-07T11:57:29","slug":"madras-high-court-directs-irdai-place-ayush-treatment-on-a-par-with-allopathic-treatment","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2023\/12\/01\/madras-high-court-directs-irdai-place-ayush-treatment-on-a-par-with-allopathic-treatment\/","title":{"rendered":"Madras HC directs IRDAI to place AYUSH treatment on a par with allopathic treatment; Asks it to direct insurance companies to reimburse insurance amount on equal scales"},"content":{"rendered":"
\n

Madras High Court:<\/span> In a petition filed for directing the Insurance Regulatory and Development Authority of India (‘IRDAI’), and the Secretary, Ministry of Ayush (‘MoA’), to consider the petitioner’s representation to award a full reimbursement of the claimed amount under the insurance policies, N. Anand Venkatesh, J. has directed IRDAI to place AYUSH treatment on a par with allopathic treatment and direct the insurance companies to reimburse the insurance amount on equal scales. Further, it said that a person who chooses to undergo AYUSH treatment should be entitled to receive the insurance amount towards the expenses incurred by him, as is done to a patient who undergoes allopathic treatment. This has to be implemented by IRDAI in all future policies.<\/p>\n

The Court noted that the petitioners had taken a policy in the year 2009 and under this policy, the expenses incurred for the treatment under the system of medicines other than allopathy were excluded and it is stated that the insurance company is not liable to make any payment under the policy with respect to those expenses. Thereafter, the current policy as it stands shows that for AYUSH treatment, the maximum cap has been fixed. Further, it noted that the policies issued by the insurance company have the permission and licence of IRDAI.<\/p>\n

The Court said that the maximum cap that was fixed under the policy has been paid to the petitioners. Hence, no further direction can be issued to the insurance company to pay the entire amount that was claimed by the petitioners.<\/p>\n

As per the Court, there is a larger issue that is involved in this case. During Covid-19 pandemic, it is the traditional medicines that were recommended for the infected persons and the hospitals were only attending to emergency cases by providing support system, obviously, since allopathy did not have any medicine to treat covid-19 patients. It is true that such an eventuality would not have been anticipated at the time of finalizing the policy. That is the reason why the maximum cap was fixed under the policy. However, it came to light that effective treatment was also given to the infected persons under AYUSH, and it provided substantial relief to the patients.<\/p>\n

Thus, the Court said that it will not be reasonable to restrict the cap and thereby deprive the policy holders to get reimbursement of the amount which was spent by them in AYUSH hospital.<\/p>\n

The Court said that IRDAI must take into consideration the fact that patients can choose the type of treatment that is required for them, and they have an option to either choose allopathic medicines or go for traditional medicines provided by AYUSH. Whatever expenses are incurred for either of these treatments must be placed on equal scales. It would be discriminatory to give preference to allopathy as against AYUSH treatment. Thus, the Court asked IRDAI to keep this in mind whenever the policies are drafted and sent for approval.<\/p>\n

The Court noted that the Star Health and Allied Insurance Company Limited has now come up with a new policy called as AYUSH plan policy, wherein even AYUSH treatment is covered, and the expenses incurred for the treatment is reimbursed. By virtue of this new policy, AYUSH treatment has been brought on a par with the allopathic treatment.<\/p>\n

Thus, the Court directed IRDAI to place AYUSH treatment on a par with allopathic treatment and direct the insurance companies to reimburse the insurance amount on equal scales.<\/p>\n

[K.Krishna v M.C.Uma Maheswari, 2023 SCC OnLine Mad 7522<\/a>, Order dated 21-11-2023<\/span>]<\/p>\n\n

Advocates who appeared in this case :<\/p>\n

For Petitioners:<\/span> K.Krishna (Party-in-person)<\/p>\n

For Respondents:<\/span> Advocate K. Ravi, Advocate S. Anwarsameem, Advocate S. Jeyasingh<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

“Traditional treatment must also be encouraged, and it must get the same weightage as is given to allopathic treatment”<\/p>\n","protected":false},"author":67512,"featured_media":298865,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[63140,63139,33882,42075,2567,63141],"class_list":["post-308214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-highcourts","tag-ayush-on-a-par-with-allopathic-treatment","tag-ayush-treatment","tag-insurance-companies","tag-irdai","tag-Madras_High_Court","tag-star-health-and-allied-insurance-company-limited"],"yoast_head":"\nMadras HC directs IRDAI to place AYUSH treatment on a par with allopathic treatment | SCC Blog<\/title>\n<meta name=\"description\" content=\"Madras HC directed IRDAI to place AYUSH treatment on a par with allopathic treatment and asked to direct insurance companies to reimburse insurance amount on equal scales\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2023\/12\/01\/madras-high-court-directs-irdai-place-ayush-treatment-on-a-par-with-allopathic-treatment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Madras HC directs IRDAI to place AYUSH treatment on a par with allopathic treatment; 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Nageswara Rao and Hrishikesh Roy, JJ., held that, \u201c\u2026doctors, both under AYUSH and CHS, render service to patients and on this core aspect, there is nothing to distinguish them.\u201d\u00a0 \u201c\u2026no rational justification is seen for having different dates for bestowing the benefit of\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":254241,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/09\/15\/bumper-to-bumper-policy\/","url_meta":{"origin":308214,"position":3},"title":"Mandating coverage of bumper to bumper insurance policy: Not logistically and economically feasible? Has Madras HC modified its earlier decision? Read full report","author":"Bhumika Indulia","date":"September 15, 2021","format":false,"excerpt":"Madras High Court: S. Vaidyanathan, J., cancelled the bumper-to-bumper policy which was made mandatory by this Court\u2019s order for new vehicles for a period of 5 years. Upon hearing the submissions made on behalf of Insurance Regulatory and Development Authority (IRDAI), General Insurance Council (GIC) representing the licensed General Insurance\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":226846,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/03\/11\/irdai-guidelines-on-handling-of-claims-reported-under-corona-virus-insurers-advised-to-design-products-covering-costs-of-treatment-for-covid-19\/","url_meta":{"origin":308214,"position":4},"title":"IRDAI | Guidelines on handling of claims reported under Corona Virus; Insurers advised to design products covering costs of treatment for COVID-19","author":"Bhumika Indulia","date":"March 11, 2020","format":false,"excerpt":"1. \u00a0 In respect of the products filed and cleared as per the provisions of Guidelines on product filing in Health Insurance Business (Ref: IRDA\/HLT\/REG\/CIR\/150\/07\/2016) dated 29th July 2016, where coverage is granted for treatment of hospitalization expenses, in order to alleviate the hardships that may be caused to the\u2026","rel":"","context":"In "Hot Off The Press"","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/04\/irdai.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/04\/irdai.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/04\/irdai.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/04\/irdai.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2019\/04\/irdai.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":234705,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/08\/24\/irdai-pollution-under-control-certificate-puc-at-the-time-of-renewal-of-motor-insurance-mandatory\/","url_meta":{"origin":308214,"position":5},"title":"IRDAI | Pollution Under Control Certificate (PUC) at the time of renewal of motor insurance — Mandatory","author":"Bhumika Indulia","date":"August 24, 2020","format":false,"excerpt":"Pollution Under Control Certificate at the time of renewal of motor insurance mandatory Insurance Regulatory and Development Authority of India has advised all General Insurance Companies to comply with the directions issued by the Supreme Court of India in W.P. (Civil) 13029 of 1985, M.C. Mehta v. 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