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Refusal of Insurer to Release Claim Amount in the Absence of a Discharge Voucher does not amount to Fraud [Case Law]

Consumer Law - the refusal of the insurer to release the claim amount in the absence of a discharge voucher, in my view, does not amount to fraud, misrepresentation, coercion of undue influence as defined in the Indian Contract Act. If the insurer was insisting upon execution of the Discharge Voucher as a pre-condition for release of the assessed amount and the complainant was not willing to do so, nothing prevented it from filing a consumer complaint or a Civil Suit and seeking an interim order, directing the insurer to pay the said amount.

Insurance Companies can't Reject Claims on the Basis of Exclusions relating to Genetic Disorders

Constitution of India - Article 21 - Right to avail health insurance is an integral part of the Right to Healthcare and the Right to Health, as recognised in Art. 21 of the Constitution.