UNITED INSURANCE COMPANY OF PAKISTAN LIMITED vs PRESIDENT OF PAKISTAN through Secretary S — 2026 CLD 351 ISLAMABAD

Case information

Citation: 2026 CLD 351 ISLAMABAD
Court: Islamabad High Court
Year: 2026
Reporter: CLD
Parties: UNITED INSURANCE COMPANY OF PAKISTAN LIMITED vs PRESIDENT OF PAKISTAN through Secretary S
Subject matter: Constitutional
Provisions referred to: S. 127---F; S. 14---C; S. 127; Federal Ombudsman Institutional Reforms Act (XIV of 2013); Insurance Ordinance

Fields are extracted from the reported citation and judgment text. Where a detail is not stated in the record, it is not shown.

Judgment text as reported

UNITED INSURANCE COMPANY OF PAKISTAN LIMITED VS PRESIDENT OF PAKISTAN through Secretary S. 127---Federal Ombudsman Institutional Reforms Act (XIV of 2013), S. 14---Constitution of Pakistan, Art. 199---Constitutional petition---Maladministration---Insurance claim, denial of---Pre-existing conditions---Petitioner / insurance company was aggrieved of orders passed by Federal Insurance Ombudsman and Appellate Authority to pay insurance claim to respondents / insured persons---Plea raised by petitioner / insurance company was that respondents were suffering from ailments prior to their insurance which were covered under "pre-existing conditions"---Validity---Merely incorporating "pre-existing conditions are not covered" in the exclusion term of the Policy did not allow petitioner / insurance company to repudiate the claim---Where a stipulation was not merely unreasonable but impossible, in the sense that from the outset it never could be performed, it was a nullity, and was simply disregarded---Respondents / insured persons alleged mala fide conduct, delay in claim settlement, arbitrary repudiation, misrepresentation of policy terms and repudiation contrary to law---Federal Insurance Ombudsman rightly found maladministration and directed payment of reasonable compensation for the medical expenses incurred by respondents---Federal Insurance Ombudsman rightly assumed its jurisdiction while deciding complaints filed by respondents as their grievances fell squarely within the Ombudsman's jurisdiction under S.127 of the Insurance Ordinance, 2000---High Court declined to interfere in the orders passed by two fora below---Constitutional petition was dismissed in circumstances.

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