Ludhiana, March 10
The insurance ombudsman having jurisdiction over Punjab, Haryana, Himachal Pradesh, Jammu and Kashmir and Chandigarh has made a land mark judgement in the case of two arthritis patients undergoing cytotron treatment. Somnath Gupta and his wife Swaran had cytotron treatment for their knee arthritis at Sibia Medical Centre, Ludhiana. The medical claim for the treatment was objected to by United India Insurance Company on the ground that hospitalisation was not needed in their case. Gupta went to the insurance ombudsman, Chandigarh, who gave its judgement yesterday.
Based on the information provided by the claimant, the insurer and the technical opinion of Dr Sibia, the judge ordered that the claim was payable like in case of any other disease. The cytotron therapy may or may not require hospitalisation depending on the condition of the patient and in this case it was required.
Further the judgement clarified that even if the cytotron therapy was taken without hospital stay it merited payment as it was adequately covered under clause 2.3 (a) that provides for treatments involving specialised infrastructure available in the hospital and 2.3 (b) that provides for treatments requiring hospitalisation for less than 24 hours due to technological advances. This advanced technology to rehabilitate and treat osteoarthritis and cancer patients using high-power electromagnetic beams had shown some very positive results and was a breakthrough in medical science.
“The device invented by chief scientist of Centre for Advanced Research and Development, Bangalore, Dr Rajah Vijay Kumar delivers high-intensity quantum magnetic resonance beams from 288 specialised guns that focused onto a particular tissue. This is aimed to regenerate and repair joint cartilage in arthritis patients. In cancer, it is attempted to stop the growth of cancer tumour”. The judge noted that such claims had already been passed by National Insurance Company and also the Punjab government had passed a similar claim.