News Life and Health20 Mar 2018

India:Regulator outlaws excluding genetic disorders in health insurance

20 Mar 2018

The insurance regulator yesterday issued a directive barring insurers from excluding genetic disorders in health insurance policies, following a Delhi High Court judgment that said that such a practice is discriminatory.

In turn, insurers whom Moneycontrol spoke to said that they will have to increase the prices of their policies by at least 20-25% to include genetic disorders in the coverage.

“All insurance companies are directed not to include ‘genetic disorders’ as one of the exclusions in new health insurance policies issued in respect of all their existing health insurance products and also in the new products launched or filed under the provisions of the guidelines on product filing in health insurance business,” said the IRDAI in a statement.

However, the regulator has not given any directions on the pricing of these products with the inclusion of genetic disorders in medical cover.

Last month, the Delhi High Court said that the exclusionary clause related to genetic disorders in the insurance policy, was too broad, ambiguous and discriminatory. The court had also directed IRDAI to re-look exclusionary clauses in insurance contracts and ensure that insurers do not reject claims on the basis of exclusions relating to genetic disorders.

The IRDAI said pursuant to the directions of the court, no claim in respect of any existing health insurance policy shall be rejected based on exclusions related to genetic disorder.


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