{"id":364810,"date":"2025-10-27T11:00:24","date_gmt":"2025-10-27T05:30:24","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=364810"},"modified":"2025-10-31T12:23:41","modified_gmt":"2025-10-31T06:53:41","slug":"andhra-pradesh-insurer-not-necessary-party-in-medical-negligence-legal-news","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2025\/10\/27\/andhra-pradesh-insurer-not-necessary-party-in-medical-negligence-legal-news\/","title":{"rendered":"Andhra Pradesh High Court| Insurer not a necessary or proper party in medical negligence consumer complaints; impleadment rejected"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">Andhra Pradesh High Court<\/span> : In a writ petition filed under Article 226 seeking to set aside or quash the order dated 07-03-2024 of the District Consumer Disputes Redressal Commission at Guntur and the order of the A.P. State Consumer Disputes Redressal Commission, Vijayawada with further direction to the District Forum to implead the 3rd respondent, a Division Bench of Ravi Nath Tilhari and Challa Gunaranjan, JJ. held that the insurance company is neither a necessary nor proper party claiming compensation for medical negligence against the petitioner.<\/p>\n<p style=\"margin-bottom: 3%;\">The petitioner along with other doctors from Yashoda Hospitals, was arrayed as an opposite party before the District Consumer Disputes Redressal Commission, Guntur. The complainant had alleged medical negligence and deficiency in service during treatment provided at the hospital. During the pendency of the complaint, the petitioner filed miscellaneous application under Order <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001523074\" target=\"_blank\">I Rule 10<\/a> of the <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002726944\" target=\"_blank\">Code of Civil Procedure, 1908<\/a> (&#8216;CPC&#8217;), seeking impleadment of New India Assurance Company Limited as Opposite Party 4. It was contended that since the hospital was insured under a professional indemnity policy issued by the said insurer, its presence was necessary for complete adjudication of the dispute and for avoiding multiplicity of proceedings.<\/p>\n<p style=\"margin-bottom: 3%;\">The complainant opposed the application, asserting that there existed no privity of contract between him and the insurer. Accepting this objection, the District Commission, by order dated 07-03-2024, dismissed the impleadment application, holding that the complainant was neither a consumer nor a beneficiary under the insurance policy. The Commission further observed that if liability were to be fastened on the petitioner at the conclusion of the proceedings, he would be entitled to claim reimbursement from the insurer in accordance with the terms of the policy.<\/p>\n<p style=\"margin-bottom: 3%;\">The petitioner&#8217;s revision was dismissed by the A.P. State Consumer Disputes Redressal Commission on 31-12-2024. A further revision before the National Consumer Disputes Redressal Commission was rejected as not maintainable on 06-03-2025, leading to the present writ petition before the High Court.<\/p>\n<p style=\"margin-bottom: 3%;\">Counsel for the petitioner argued that the insurer was at least a proper party since its inclusion would prevent multiple proceedings and facilitate direct adjudication of indemnity liability. Reliance was placed on <span style=\"font-style: italic;\">Amar Jain Hospital v. Devkinandan Soni<\/span>, 2015 SCC Online NCDRC, where the National Commission had allowed impleadment of insurers in similar circumstances. It was further contended that the approach adopted under the <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002726964\" target=\"_blank\">Motor Vehicles Act, 1988<\/a>, in accident claims where insurers are routinely impleaded should be analogically extended to consumer medical negligence cases.<\/p>\n<p>The questions under consideration were:<\/p>\n<p style=\"margin-left: 36pt; text-indent: -18pt;\">(1) Whether the insurer, New India Assurance Company Limited, is a necessary or proper party to a consumer complaint alleging medical negligence; and<\/p>\n<p style=\"margin-left: 36pt; text-indent: -18pt; margin-bottom: 3%;\">(2) Whether the District Commission&#8217;s refusal to implead the insurer warranted interference under Article 226.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court examined Order <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001523074\" target=\"_blank\">I Rule 10<\/a> <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002726944\" target=\"_blank\">CPC<\/a> and reiterated the settled principles governing addition of parties. Referring to <span style=\"font-style: italic;\">Sudhamayee Pattnaik v. Bibhu Prasad Sahoo<\/span>, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/6Nqtnc88\" target=\"_blank\">(2022) 17 SCC 286<\/a>, and <span style=\"font-style: italic;\">Mumbai International Airport (P) Ltd. v. Regency Convention Centre &amp; Hotels (P) Ltd.<\/span>, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/cF9u2K1E\" target=\"_blank\">(2010) 7 SCC 417<\/a>, the Court emphasized that the plaintiff is dominus litis and cannot be compelled to sue any person unless that person&#8217;s presence is essential to enable the Court to pass an effective and complete decree. The Court further cited <span style=\"font-style: italic;\">J.N. Real Estate v. Shailendra Pradhan<\/span>, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/LZ0KdekI\" target=\"_blank\">2025 SCC OnLine SC 1015<\/a>, reaffirming that while the court possesses discretion to add or strike out parties, such power must be exercised only when the person sought to be added is demonstrably a necessary or proper party.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court observed that the dispute before the Consumer Commission pertained to alleged negligence and deficiency in service by the doctors and hospital, which could be effectively adjudicated without the insurer&#8217;s participation. The complainant had no contractual or consumer relationship with the insurer, and the insurance policy in question merely governed the inter se indemnity between the hospital and the insurer. Such indemnity issues could be independently pursued by the insured party after the adjudication of liability; their resolution was not integral to the consumer complaint.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court expressly declined to follow the National Commission&#8217;s reasoning in <span style=\"font-style: italic;\">Dr. C.C. Choubal (supra)<\/span>, which had treated the insurer as a proper party merely because any finding of negligence would trigger liability under the policy. The Court held that the test of necessity or propriety cannot be diluted merely for administrative convenience, and any expansion of party impleadment must be justified within the strict parameters of Order <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001523074\" target=\"_blank\">I Rule 10<\/a> <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002726944\" target=\"_blank\">CPC<\/a>.<\/p>\n<p style=\"margin-bottom: 3%;\">Addressing the petitioner&#8217;s analogy with motor accident claims, the Court noted that under the <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002726964\" target=\"_blank\">Motor Vehicles Act, 1988<\/a>, third-party insurance is compulsory, and the insurer&#8217;s role is statutorily recognised under Sections 146, 149, and 168, read with Rule 476(5) of the A.P. Motor Vehicles Rules, 1989. The insurer is mandated to satisfy decrees and participate in proceedings owing to statutory liability, as explained by the Supreme Court in <span style=\"font-style: italic;\">S. Iyyapan v. United India Insurance Co. Ltd.<\/span>, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/XK1o9PR0\" target=\"_blank\">(2013) 7 SCC 62<\/a>. No such statutory framework exists in the realm of medical negligence; hence, the analogy is misconceived.<\/p>\n<p style=\"margin-bottom: 3%;\">Concluding that New India Assurance Co. Ltd. was neither a necessary nor a proper party to the consumer complaint, the Court held that the complainant, being dominus litis, could not be compelled to add the insurer against his will. The issues of negligence and deficiency in service could be effectively decided among the existing parties, and any indemnity claim by the hospital against its insurer must be pursued independently in appropriate proceedings.<\/p>\n<p style=\"margin-bottom: 3%;\">Accordingly, the Court dismissed the writ petition, affirming the District and State Commissions&#8217; orders.<\/p>\n<p style=\"margin-bottom: 3%;\">[<span style=\"font-weight: bold; color: #632423;\">Dr. Mudunuri Ravi Kiran v DCDRC, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/b39087iX\" target=\"_blank\" rel=\"noopener\">2025 SCC OnLine AP 3703<\/a>, decided on 09-10-2025<\/span>]<\/p>\n<hr\/>\n<p>Advocates who appeared in this case:<\/p>\n<p style=\"margin-left: 18pt;\"><span style=\"font-weight: bold;\">Counsel for the Appellants:<\/span> Sri K. Sarvabhouma Rao<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">The petitioner, along with other doctors from Yashoda Hospitals, was arrayed as an opposite party before the District Consumer Disputes Redressal Commission, Guntur. The complainant alleged medical negligence and deficiency in service during treatment at the hospital.<\/p>\n","protected":false},"author":67516,"featured_media":364813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[84136,88309,91444,80423,27414,91447,91446,91445,50078,72153,3795,82880,91448,91449],"class_list":["post-364810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-highcourts","tag-aphighcourt","tag-caselaw","tag-consumerlaw","tag-consumerprotectionact","tag-cpc","tag-dominuslitis","tag-highcourtjudgment","tag-insurancelaw","tag-legalresearch","tag-legalupdate","tag-litigation","tag-medicalnegligence","tag-order-1rule10","tag-professionalindemnity"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>AP HC: Insurer not necessary party in medical negligence complaints | SCC Times<\/title>\n<meta name=\"description\" content=\"Andhra Pradesh High Court held that insurer not necessary or proper party in medical negligence complaints under the Consumer Protection Act.\" \/>\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\/2025\/10\/27\/andhra-pradesh-insurer-not-necessary-party-in-medical-negligence-legal-news\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Andhra Pradesh High Court| Insurer not a necessary or proper party in medical negligence consumer complaints; 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Agrawal (President) and Dr S.M. Kantikar (Member) addressed a case of dental negligence and remarked that, \u201cThe teeth are only part of the\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":263163,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/03\/05\/do-district-and-state-consumer-disputes-redressal-commissions-do-not-have-jurisdiction-to-take-cognizance-of-medical-negligence-complaints\/","url_meta":{"origin":364810,"position":1},"title":"Do District and State Consumer Disputes Redressal Commissions do not have jurisdiction to take cognisance of medical negligence complaints? Ker HC analyses","author":"Bhumika Indulia","date":"March 5, 2022","format":false,"excerpt":"Kerala High Court: N. Nagaresh, J., decided whether medical service would fall within the ambit of Section 2(42) of the Consumer Protection Act, 2019 unless of course the service is free of charge or is under a contract of personal service. Background Doctors practising Modern Medicine in Kannur filed the\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":211596,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/03\/07\/sc-awards-rs-10-lakh-compensation-in-a-medical-negligence-case-to-send-message-to-medical-practitioners\/","url_meta":{"origin":364810,"position":2},"title":"SC awards Rs. 10 Lakh compensation in a medical negligence case to \u2018send message\u2019 to medical practitioners","author":"Prachi Bhardwaj","date":"March 7, 2019","format":false,"excerpt":"Supreme Court: In a case of medical negligence where a minor surgery resulted in amputating a woman\u2019s arm, the bench of Abhay Manohar Sapre and Dinesh Maheshwari, JJ Rs. 10 Lakhs towards compensation, over and above the amount awarded by the Himachal Pradesh State Consumer Disputes Redressal Commission and the\u2026","rel":"","context":"In &quot;Case Briefs&quot;","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":261738,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/02\/14\/medical-negligence-7\/","url_meta":{"origin":364810,"position":3},"title":"Can doctors alleged of medical negligence be exempted from legal proceedings as they are busy and conscious about their duties towards patients? NCDRC answers in a transfer application","author":"Bhumika Indulia","date":"February 14, 2022","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): The Coram of Dr S.M. Kantikar (Presiding Member) and Binoy Kumar (Member) while allowing an application for transfer expressed that, \u201c\u2026it is true that the doctors are busy and conscious about their duties towards the patient, but they are not exempted from the legal\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":203359,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/10\/09\/matters-of-medical-negligence-in-the-absence-of-allegations-of-fraud-or-forgery-are-amenable-to-the-jurisdiction-of-consumer-fora\/","url_meta":{"origin":364810,"position":4},"title":"Matters of medical negligence, in the absence of allegations of fraud or forgery, are amenable to the jurisdiction of consumer fora","author":"Bhumika Indulia","date":"October 9, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): A Division Bench of S.M. Kantikar and Dinesh Singh, Members, allowed an appeal filed against the order of Delhi State Consumer Disputes Redressal Commission whereby the appellant\u2019s petition was dismissed at the stage of maintainability itself. The appellant had filed a complaint against the\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":251169,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/07\/12\/wheelchair-injuries\/","url_meta":{"origin":364810,"position":5},"title":"Can Wheelchair injuries be covered under the ambit of medical negligence? NCDRC answers","author":"Bhumika Indulia","date":"July 12, 2021","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): Dr S.M. Kantikar (Presiding Member) decided a matter wherein a question of whether wheelchair injuries would fall under the ambit of medical negligence or not. In the present matter, complainant \u2013 patient came to Petitioner\/OP-Hospital for follow-up check-up after her spinal surgery. 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