Published - December 07, 2025 07:59 pm IST - KOCHI The Ernakulam District Consumer Disputes Redressal Commission has ruled that rejecting a health insurance claim filed by a consumer who sought treatment after a road accident, on the grounds that it was not an emergency, constitutes a deficiency in service and an unfair trade practice by the opposite parties. The Commission ordered that the opposite parties pay a sum of ₹94,276 with interest at 9% per annum from 14 August 2023, the date of repudiation, until realisation, along with ₹20,000 as compensation for mental agony and inconvenience, and ₹5,000 towards litigation costs to the complainant. The order was made in a complaint filed by Muhiyadeen K. M., a native of Pallarimangalam, Ernakulam, against Oriental Insurance Company and the Medical Insurance Scheme for State Employees and Pensioners (Medisep).
