Insurance Regulatory and Development Authority Act, 1999

The petitioners, a company dealing in the purchase and resale of life‑insurance policies, challenged LIC's circulars of 2003 and 2005 that refused to register assignments of policies to firms engaged in trading such policies. They argued that Section 38 of the Insurance Act, 1938 makes policies transferable and assigna…

Marsh India Insurance Brokers Pvt Ltd appealed against a Securities Appellate Tribunal order that set aside the IRDA’s dismissal of a complaint by Atkins Special Risks Ltd alleging that Marsh paid a bribe to Jagdish Gupta, Chairman of Jagson International Ltd, to obtain a re‑insurance brokerage contract. The Tribunal h…

The petitioners held mediclaim policies with United India Insurance Co. Ltd., a subsidiary of the General Insurance Corporation of India, and paid premiums annually. After several claims, the insurer refused to renew the policies, citing high claim ratios and pre‑existing diseases. The Gujarat High Court ordered renewa…

A boat operated by Ripple Aqua Sports under a licence from Vadodara Municipal Corporation was overloaded with 38 passengers (capacity 22) and capsized, killing 22. The victims filed a consumer complaint alleging deficiency in service. The State Consumer Commission and the National Consumer Disputes Redressal Commission…

The appellants held an annual medical insurance policy with United India Insurance that was renewed each year. For the 2008‑09 renewal the insurer introduced a cap on coverage for certain procedures, notably angioplasty, without informing the policyholders, who believed they were merely renewing the existing policy on …

The petitioners, three intending couples, had completed the embryo‑freezing stage of surrogacy in 2020‑2021, before the Surrogacy (Regulation) Act, 2021 came into force on 25 January 2022. After the Act’s commencement, the statutory age limits (female ≤50, male ≤55) barred them from obtaining the eligibility certificat…

The insured's factory suffered a fire and the insurer, New India Assurance Co., appointed a surveyor, joint surveyors, and later an investigator who alleged arson, before seeking the opinion of former Chief Justice Y.V. Chandrachud who concluded the fire was accidental. The National Consumer Disputes Redressal Commissi…

The appeal arose from a motor accident in which the deceased, Mr. T. Ramu, was killed when his car was rear‑ended by a lorry; his legal representatives claimed compensation from National Insurance Co. Ltd., the insurer of the vehicle. The High Court had held that the policy was a comprehensive one and thus covered the …

The Supreme Court examined the legality of the General Insurance (Rationalisation of Pay Scales and Other Conditions of Service of Development Staff) Amendment Scheme, 2003, which altered cost‑ratio calculations, incentive structures, transfer policies and career prospects for Development Officers. The petitioners argu…