Why no insurance cover to people born with defects

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The Delhi High Court has asked the Insurance Regulatory and Development Authority (IRDAI) to "explain the reasonableness" of not granting insurance cover to people suffering from congenital anomalies.

"What is the objection to giving insurance cover to them (people suffering from congenital anomalies)," the high court asked the IRDAI to explain before the next hearing on December 17.

"Give the justification for such exclusion," the court said to the insurance regulator.

IRDAI circular of July 29, 2016 denies the Persons with Disabilities (PwD) the right to seek insurance cover for themselves on the ground that their conditions are categorised under the scope of "congenital anomalies".

Congenital anomalies are also known as birth defects caused by single gene defects, chromosomal disorders, multifactorial inheritance, environmental teratogens and micronutrient deficiencies.

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