No one really deserve bad life.

Please do not reject surgical treatment option of obese human being in health insurance.

Please do not discriminate in Health Insurance.... 
A word by Obese Human Being.

Lets respect Obese Person as Human Being.

The health insurance policy is of social welfare nature and interpretation has to be given to advance the cause of such welfare.

Morbid Obesity leads to various serious health problems like cancer, heart disease, metabolic syndrome, diabetes etc. and the diseases which are the result of Morbid Obesity are covered, but the cause is not covered. In other words, the insurance company would tell a person to continue with the disease of Morbid Obesity and wait till he suffers heart attack and to reimburse more expenses.

Example of non exclusion in policy wordings of new india family floater policy. Written printed words ofTreatment of morbid obesity and co morbidities are not excluded in terms and conditions of policy  (UIN: IRDA/NL-HLT/NIA/P-H/V.I/467/13-14), but still there is a denial of health insurance claim HI-NIA-000694297.

In 99 % cases when insured submitting file in reimbursement health insurance claim  with surgery – Laparoscopic Mini Gastric Bypass then insurer is repudiating claim under clause for a example 4.4.6.1 Convalescence, general debility, 'Run-down' condition or rest cure, obesity treatment and its complications, treatment relating to all psychiatric and psychosomatic disorders, infertility, sterility, Venereal disease, intentional self-injury and Illness or Injury caused by the use of intoxicating drugs/alcohol.

But in actual when lifesaving surgery (surgery – Laparoscopic Mini Gastric Bypass and/or any Gastric Bypass) was done to give relief of suffering of various illnesses then TPA and/or insurer cannot consider such procedure as obesity treatment and treatment of morbid obesity.

As motive behind surgery is not treatment of obesity, treatment of morbid obesity but motive behind surgery is life saving surgery and relief of suffering from various illnesses then such motive should be seriously considered and claim of obese human being should be process and approved accordingly. 

Plea: "Request to IRDA, Please remove clause of permanent exclusion i.e. obesity (Including Morbid Obesity) treatment and its complications from all health insurance policy of all general and stand alone health insurer's health products within India.

Lets accept surgical (gastric bypass surgery) treatment as a new perspective for life saving surgery for obese human being.

Lets be proactive human being and sign this petition to protect fundamental human right of all obese human being. 

Lets support and protect fundamental human right of obese human Being of -  
Right to Life,
Right to health,
Right to healthcare

Please do not discriminate obese human being in Health Insurance...

Be Kind.. Be more polite for all human being.