₹10 lakh dengue health claim rejected over 2-year waiting period for a spinal disc condition; here’s why the policyholder won

A significant ruling by the Delhi State Consumer Disputes Redressal Commission found in favor of a policyholder whose dengue hospitalisation claim was denied by HDFC Ergo due to a waiting period clause. This case highlights the importance of understanding policy exclusions and the need for insurers to substantiate their claims rejections with clear policy terms.