Overview

• On July 14, 2025, the Valsad Consumer Disputes Redressal Commission ordered Go Digit General Insurance to reimburse policyholder Vallabh Motka’s ₹48,251 mediclaim plus 8% interest and compensation for mental harassment within 30 days.
• Go Digit had denied the claim for treatment at Arham Hospital in Silvassa from Sept 11 to 14, 2024, citing discrepancies between Motka’s hospital bills and his Google Maps Timeline.
• The panel ruled that the insurer improperly relied on unverified digital location history without verification by Google or any data custodian.
• The commission highlighted the insurer’s failure to consider the treating doctor’s certificate confirming Motka’s viral pneumonia diagnosis and inpatient stay.
• The verdict underscores calls for clear regulatory guidelines on insurers’ use of personal digital data and reaffirms the role of consumer forums in upholding policyholder rights.