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INSURANCE REGULATORY AND
EVELOPMENT AUTHORITY OF INDIA

Ref: IRDAI/HLT/REG/ClR/143109/201 8
05th September, 2018

To
All Life, General and Health lnsurers,

Re: Circular dated 19th March, 2018 on exclusions retated to Genetic Disorders

1. Reference is invited to Authorig's Circular IRDAI/HLT/REGlClRl046lO3l2018


dated 19th March, 2018 issued in pursuance to the judgement of the Hon'ble
High Court of Delhi (RFA 610/2016 & CM Nos. 45832/2017 dated
26th February,2018) directing IRDAI to re-look atthe exclusionary clauses in
the insurance contracts and ensure that insurance companies do not reject
claims on the basis of the exclusions relating to genetic disorders.

2. On 27th August, 2018, Hon'ble Supreme Court of lndia while hearing Special
Leave Petition (Civil) Diary No(s). 29590/2018, has granted stay on the
operation of the said judgement of the Hon'ble High Court of Delhi to the
extent of the conclusions and reliefs granted under (F.'l)(i) to (v) in the said
judgement until further orders.

3. ln view of the above stay granted by the Hon'ble Supreme Court of lndia,
Circular no. IRDAI/HLT/REG/CIR/046/0312018 dated 1 9'n March, 201 8 stands
abated until further orders.

4. However, the claim settlement in respect of all extant policies shall be as per
the terms and conditions of the policy contracts as approved by the Authority
in accordance to the applicable regulatory framework.

Member (Non-Life)

qtt. 115/1, HftFE-{ Gts€, iriq{rqTeT, t({r4E-500 032, qp( Survey No. 115/1, Financial District, Nanakramguda, Hyderabad-s00 032, lndia
O 4555
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+{srfu : www.irdai.govin Website : www.irdai.gov.in