KARAN ARORA vs STAR HEALTH AND ALLIE INSURANCE CO. LIMITED & ORS.

Judgment text excerpt

$~34 * IN THE HIGH COURT OF DELHI AT NEW DELHI + W.P.(C) 7932/2023 and CM APPL. 53323/2023 Date of Decision: 25.02.2026 IN THE MATTER OF: KARAN ARORA .....Petitioner Through: Mr. Pankaj Mehta, Ms. Shweta Soni, Ms. Akansha Singh, Mr. Apaar Puri, Ms. Simran Mehta, Advocates. versus STAR HEALTH AND ALLIE INSURANCE CO. LIMITED & ORS. .....Respondent Through: Mr.Shishir Mathur and Mr. Sarthak Gupta , Advocates for R-1. Mr. Abhishek Nanda, Advocate for R-2. CORAM: HON'BLE MR. JUSTICE PURUSHAINDRA KUMAR KAURAV JUDGEMENT PURUSHAINDRA KUMAR KAURAV, J. (ORAL) The petition is for directions to the respondents to issue health insurance in favour of the petitioner. 2. It is the case of the petitioner that in the 1999, the petitioner was diagnosed with bilateral paralysis in his vocal chord and had undergone ‘tracheostomy’ procedure for the same. As per the petitioner, the bilateral Signature Not Verified Signature Not Verified Signed By:AMIT KUMAR Signed SHARMA Signing Date:27.02.2026 By:PURUSHAINDRA 14:56:20 Page 1 of 3 KUMAR KAURAV paralysis in his vocal chord has affected neither, the normal growth of any body part, nor his ability to speak. 3. On 22.03.2023, the petitioner claims to have approached respondent no. 1-insurance company seeking health insurance coverage and also disclosed the factum of his earlier diagnosis. Respondent no. 1- Company has rejected the petitioner’s request on the ground that the petitioner is suffering from a pre-existing disease. 4. The petitioner claims to have filed representations against rejection of his request for insurance coverage, before respondent nos. 2 and 3- authorities. 5. The Chapter I, Clause 1 of the Master Circular on IRDAI (Insurance Products) Regulations 2024, the Health Insurance requires Insurers to make available their policies