The Kerala High Court in Dr. A.M. Muraleedharan v. Life Insurance Corporation of India held that repudiation of a health insurance claim after eight years of policy issuance was illegal and contrary to Section 45 of the Insurance Act, 1938. Justice P.M. Manoj ruled that the writ petition was maintainable as the denial of medical reimbursement implicated the right to health under Article 21. The Court observed that LIC’s rejection of the first claim based on non-listed procedures and the second on alleged non-disclosure of a 2006 hernia surgery was arbitrary since the ailment (vesicovaginal fistula) had no nexus with the previous condition. Applying the doctrines of contra proferentem and reasonable expectation, the Court held that ambiguous insurance terms must favor the insured. LIC’s action violated natural justice and the principle of uberrima fides. Consequently, the Court quashed LIC’s orders and directed full payment of the petitioner’s medical claims with no further delay.