The Consumer Dispute Redressal Forum in Bhavnagar district ordered National Insurance Co Ltd to reimburse Rs 72,850 with 8% interest to one Narendra Kansara, who bought an auto C-PAP machine which a doctor prescribed to him.
Forum direct to insurance company to consider snoring a disease, and ordered it to reimburse the sum a patient paid for a device to cure the condition
Kansara, 45, approached a local doctor, Amit Patel, with his snoring problem. Unable to get enough sleep, he was worried about the adverse effect on his health. A sleep study test (polysomnography) was conducted in December 2014 to gauge the sleeping disturbance. The doctor told him that there is no cure to the problem except a C-PAP machine. Kansara bought the device.
To Kansara’s claim for reimbursement for the device cost and doctor’s fee, the insurance company first objected on technical grounds and continued to maintain that snoring is not a disease and money spent on the machine could not be reimbursed. It maintained that snoring is not a disease and its treatment is not covered under the policy.
Kansara’s lawyer argued that snoring is definitely not a disease, but it is a symptom of various health issues like blood pressure, insufficient sleep, breathlessness etc., and their treatment is covered under the policy.
After the hearing, the consumer court said the insurance company could not prove on record that snoring can’t be considered a disease. Moreover, it used an order passed by a Chhattisgarh consumer court as reference, which ordered an insurance company to pay for a client’s C-PAP device.
Consumer Dispute Redressal Forum in Bhavnagar ordered insurance firm pay for treatment to cure snoring