{
  "id": 440233,
  "title": "Insurer rejects ovarian cyst surgery claim over ‘waiting period’, woman wins Rs 2.6 lakh",
  "url": "https://urgent.news/2026/08/10/insurer-rejects-ovarian-cyst-surgery-claim-over-waiting-period-woman",
  "topic": "ai",
  "section": "AI",
  "published": "2026-08-10T05:51:22.000Z",
  "source": {
    "name": "The Indian Express",
    "slug": "the-indian-express",
    "url": "https://indianexpress.com/article/legal-news/insurer-ovarian-cyst-surgery-waiting-period-woman-wins-rs-2-6-lakh-10825848/"
  },
  "original_language": "en",
  "account": "A Kangra District Consumer Disputes Redressal Commission in Himachal Pradesh has ordered health insurer Niva Bupa to pay Rs 2.65 lakh to a woman who filed a complaint against the company's rejection of her ovarian cyst surgery claim. The insurer had cited a 36-month waiting period, claiming the woman's cyst was a pre-existing condition linked to a hysterectomy she underwent in 2020. However, the commission ruled that the woman had maintained continuous health insurance coverage since 2019 and that the policy was ported to Niva Bupa without any break in coverage. The commission held that the rejection of the claim was a deficiency in service and an unfair trade practice.",
  "summary": null,
  "key_points": [
    "Kangra District Commission orders Niva Bupa to pay Rs 2.65 lakh",
    "Insurer cited 36-month waiting period for ovarian cyst claim",
    "Woman had continuous coverage since 2019, commission ruled"
  ],
  "editors_take": "The ruling sets a precedent that health insurers cannot deny claims based on waiting periods if policyholders have maintained continuous coverage without interruption.",
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}