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Delay in Filing Documents Does Not Extinguish Insurance Claim

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Judgment dated 20.4.2026 of the High Court of Bombay in Writ Petition No.2474 of 2023 of C.P. Ravindranath Menon Vs.  United India Insurance Company Limited and another

Group Health Insurance with family floater basis

Section 28(b) of the Contract Act

Four Claims of the petitioner and spouse for total amount of Rs.1,13,487.49 ps for different periods.

Clause 7.2 provided for time limit to submit documents. However, the note to clause 7.4 provided that any delay in submission of documents may be condoned if delay is beyond the control of the insured.

. We have no difficulty in accepting the said proposition in law, and definitely the insurance policy is a contract and therefore, strictly governed by the Indian Contract Act and if there is an embargo, which is created under Section 28, in the form of any restraint being imposed on any agreement, and the one which is specified in clauses (a) and (b) of Section 28, the policy being a contract, will strictly be enforceable.

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