Surat Commission: Insurers Can't Deny Claims for Relative Doctors or Home Bathing

• Surat Consumer Disputes Redressal Commission (CDRC) ruled against insurance companies for denying claims based on unusual reasons.
• CDRC ordered a company to pay ₹1.91 lakh after it denied a claim, alleging inflated bills because the treating doctor was a relative, affirming the patient's right to choose their doctor.
• In another case, CDRC directed a company to pay ₹67,115 for a claim denied because the patient briefly went home to bathe during hospitalization, stating it doesn't invalidate a genuine claim.
• The Commission also mandated additional payments for mental harassment and filing fees in both instances.

Why It Matters: Surat Commission protects policyholders from unfair insurance denials.