In one Mediclaim Hon’ble High Court of Delhi observed that Health Insurance Policy exclusionary clause related to ‘Genetic Disorders’ is too broad, ambiguous and discriminatory violating Article 14 of the constitution of India. Hence on the direction of High Court, IRDAI has on 19-03-2018 instructed all the Insurance companies that no claim in respect to existing health insurance policies shall be rejected based on exclusions related to ‘Genetic Disorder’. Further, it is also directed to the insurance companies not to include ‘Genetic Disorder’ as one of the exclusions in new health insurance policies in respect to all the existing products and also in new products launched and/or filed with IRDAI