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Former Member, NCDRC 9,000+ judgments from the bench Adjudicated medical negligence & health insurance disputes Karnataka Rajyotsava Award 2021

Notes for patients and practitioners

Medical law, in plain language

These notes are for orientation before a consultation, whether you are a patient, a family member, a doctor, or a hospital. They are not a substitute for advice on a specific matter. Facts, records, and limitation periods decide the case, not a webpage.

What is medical negligence?

September 2026

Under Indian consumer and tort principles, a doctor or hospital is not liable merely because the outcome was poor. The usual questions are: what was the duty of care, was there a breach of that duty by the standard of a reasonably competent practitioner in that field, and did that breach cause the injury?

A recognised complication, a known risk that was explained, or a difference of medical opinion is often not negligence. A missed diagnosis that a reasonably careful doctor would have caught, a wrong sample, or treatment without informed consent can be.

The legal test: Bolam and its limits

Indian courts apply the Bolam Test (Bolam v. Friern Hospital Management Committee, 1957): a doctor is not negligent if they acted in line with a practice accepted by a responsible body of medical opinion, even if another responsible body disagrees. This is sometimes framed as the “4 D’s”: Duty, Dereliction (breach), Direct Causation, and Damages.

The Bolam Test has been modified in England by Bolitho v. City and Hackney Health Authority (1997), which requires courts to check whether expert opinion survives logical scrutiny, and by Montgomery v. Lanarkshire Health Board (2015), which replaced “doctor knows best” with genuine patient autonomy in consent cases. Indian courts have not consistently adopted these corrections.

The burden of proof

In civil (consumer) proceedings, the standard is the balance of probability: more likely than not. The Supreme Court in Savita Garg v. National Heart Institute (2004) held that once the complainant shows the harm was unexpected and unrelated to the original condition, the burden shifts to the doctor to explain what happened. Absent a credible explanation, the negligent treatment is treated as the proximate cause.

Criminal negligence, by contrast, requires proof beyond reasonable doubt, a genuinely higher bar.

What this means in practice

The strength of a negligence case (whether for or against a doctor) usually turns on the records: contemporaneous notes, a properly taken consent, and a clear chronology. Consent is not a signature on a printed form the night before surgery. The patient needs to understand the nature of the procedure, material risks, alternatives, and who will operate. When something goes wrong, the contemporaneous record is usually worth more than later recollection.

See also the notes on no cure is not negligence, informed consent and records, and vicarious liability of a hospital.

Consumer Protection Act, 2019 and medical cases

September 2026

Medical services have long been treated as services for consumer complaints, subject to the facts. The 2019 Act changed pecuniary jurisdiction, the structure of commissions, and some procedures. Patients, families, and hospitals should check which commission has jurisdiction by value and place before filing.

A complaint still needs a clear deficiency, supporting records, and a realistic claim. Filing in the wrong Commission wastes time and can affect limitation.

Which Commission: District, State, or National?

September 2026

Consumer medical disputes are heard in a three-tier system: District Commission, State Commission, and the National Commission (NCDRC). Which one hears a matter first depends mainly on the amount paid as consideration for the treatment (fees), not on the compensation claimed, and, on appeal, on who lost below.

Not every medical dispute belongs in a consumer commission. Some issues sit with a civil court, a medical council, or a criminal court. Choosing the Commission is part of the first advice, not an afterthought.

Pecuniary jurisdiction: consideration paid, not compensation claimed

The 2019 Act changed the basis on which a commission is chosen. Pecuniary jurisdiction now turns on the consideration actually paid to avail the service, not on the compensation claimed or prayed for in the complaint. A patient whose treatment fees were modest files before the District Commission even if the damages sought are large.

Territorial jurisdiction: file where the complainant lives

Before the 2019 Act, a complaint could be filed only where the opposite party resided or carried on business, or where the cause of action arose wholly or in part. The 2019 Act added a consumer-friendly basis: the complaint may also be instituted where the complainant resides or personally works for gain (Section 34(2)(d) for the District Commission, mirrored for the State Commission and the NCDRC).

Filing online and the 21-day deemed admission

A complaint may be filed electronically, in the manner prescribed, and a party can seek examination in person or through video conferencing (Section 38(6) and Section 35(1) proviso). On admission, the commission must ordinarily decide admissibility within 21 days of filing (Section 36(2)); if it does not, the complaint is deemed to be admitted (Section 36(3)) and proceeds on the merits.

Patient rights and medical records

September 2026

Patients are entitled to information needed for consent, emergency care that a hospital is equipped to give, and copies of medical records within a reasonable time. Discharge summaries, operative notes, investigation reports, and consent forms are often the spine of a later case.

If something has gone wrong, write a dated note of what happened, keep bills and prescriptions, and ask for records in writing. Do not delay until papers have gone missing.

Facing a claim as a doctor or hospital

September 2026

A negligence or consumer complaint against a practitioner is not a finding of fault. The complainant still has to prove a duty, a breach of the standard of a reasonably competent practitioner in that field, and that the breach caused the injury. A poor outcome, a recognised complication, or a difference of expert opinion is not enough on its own.

What usually decides these matters is the record: contemporaneous notes, a consent that was actually explained, and a clear chain of custody for samples and reports. A careful doctor is protected by good documentation; missing records, unexplained delays, or treatment without informed consent are what make a defence thin. Early advice on how to respond to a notice or a commission complaint can matter as much as the medicine.

IVF and ART disputes

September 2026

Assisted reproduction cases often turn on identity of gametes or embryos, consent, counselling, and clinic protocols, not only on whether a pregnancy resulted. Mix-ups, unconsented use of samples, and failures of documentation have been treated as serious deficiencies.

The ART and related statutes, clinic registration, and laboratory chain of custody matter as much as the clinical story. Bring the consent forms and any genetic or lab reports to the first meeting.

What to bring to a consultation

September 2026

A short chronology (one or two pages), hospital records, investigation reports, discharge summary, bills, insurance papers if any, and copies of any legal notice already sent. Do not send original records over WhatsApp until asked.

Consultations are available in Delhi, Mumbai, Bangalore, and Shivamogga for physical consultation, and across India online (virtual), by prior appointment. Call or WhatsApp to fix a time.

Compensation and damages

September 2026

When a consumer commission finds medical negligence, it awards compensation to the complainant. The amount depends on the nature and extent of harm, not on what the doctor earned from the treatment.

Types of damages

General damages cover pain, suffering, loss of amenities, and shortened life expectancy. These are assessed by the commission and are inherently subjective. The Supreme Court in Indian Medical Association v. V.P. Shantha (1995) confirmed that medical services fall within the Consumer Protection Act, opening the door to compensation claims in consumer Commissions.

Special damages are quantifiable losses: additional medical expenses incurred to correct the negligent treatment, loss of earnings during recovery, and cost of ongoing care. These require documentary proof, such as salary certificates, medical records showing the corrective treatment needed.

Exemplary damages are awarded in rare cases where the negligence is gross or the conduct shows deliberate disregard for patient safety. Consumer commissions have awarded these in cases involving wrong-site surgery, retained surgical instruments, and forged consent forms.

How courts assess the amount

The commission considers: the severity of the injury, whether it is permanent or temporary, the age of the patient, pre-existing health conditions, the cost of corrective treatment, and loss of earning capacity. There is no fixed formula. Two cases with identical medical facts can yield different compensation figures depending on the patient's circumstances.

The commission may also appoint a medical expert committee to assess the injury and its relationship to the negligent act. The committee's report is advisory, not binding, but commissions usually give it significant weight.

What affects the amount

Strong documentary evidence of loss, such as hospital bills for corrective surgery, disability certificates, or employer letters confirming lost work, supports higher compensation. Vague claims without documentation are typically reduced. The complainant's own contributory negligence, if established, can reduce the award proportionately.

For both complainants and respondents, the question is the same: what does the evidence actually show about the harm and its consequences? See also the note on what is medical negligence.

Limitation periods

September 2026

A consumer complaint must be filed within two years from the date on which the cause of action arises (Section 69 of the Consumer Protection Act, 2019). This is one of the most litigated questions in medical negligence cases: when exactly did the cause of action arise?

When time begins to run

In most cases, time runs from the date of the negligent act or omission: the date of surgery, the date of the wrong diagnosis, or the date the error was committed. The commission does not usually extend limitation just because the patient discovered the negligence later.

In cases of continuing negligence, for example, a retained foreign body discovered years after surgery, or ongoing treatment based on a wrong diagnosis, the cause of action may arise at the date of discovery, not the date of the original act. This is an exception, not the rule, and the complainant must show why the delay was reasonable.

Exceptions to the two-year limit

The commission may condone delay if the complainant satisfies it that there was sufficient cause for not filing within time (Section 69(2)). Illiteracy, minority, and hospitalisation of the complainant are factors the commission considers. Mere ignorance of the right to file is generally not sufficient cause.

In wrongful death cases, the cause of action arises on the date of death, not the date of the negligent act. The legal heirs have two years from the date of death to file.

Why this matters for both sides

For complainants: file early. Delay weakens the case and gives the respondent an easy procedural defence. For respondents: check the dates first. A complainant who files outside limitation has no case, regardless of the merits.

Filing and defending a complaint

September 2026

A medical negligence complaint before a consumer Commission follows a defined process. Understanding it matters whether you are the complainant or the respondent.

Filing a complaint

The complaint is filed in the appropriate commission based on the value of the claim and the location of the opposite party. Under the Consumer Protection Act, 2019 as amended by the 2021 jurisdiction rules, the pecuniary jurisdiction is: District Commission up to Rs 50 lakh, State Commission above Rs 50 lakh to Rs 2 crore, and NCDRC above Rs 2 crore.

The complaint must state the facts clearly: what treatment was received, what went wrong, when it happened, what harm resulted, and what compensation is sought. It should be accompanied by medical records, bills, and any correspondence with the doctor or hospital. An affidavit verifying the facts is required.

The opposite party (doctor or hospital) is served and given 30 days to file a written statement. The commission may grant a further 15 days if sufficient cause is shown.

Defending a complaint

The respondent’s written statement should address each allegation specifically. A general denial without engaging with the facts is weak. The respondent should annex the relevant medical records, prescription notes, consent forms, and any expert opinion supporting the treatment.

The respondent may also raise preliminary objections: limitation, maintainability (whether the claim falls within the Consumer Protection Act), or jurisdiction (wrong commission). These are decided before the merits are heard.

Evidence and hearing

Both sides file affidavits. The commission may examine witnesses, appoint a medical expert committee, or call for additional records. The committee’s report is usually the most important piece of evidence. Both sides can cross-examine the committee members.

The entire process, from filing to final order, typically takes two to five years at the District level, longer at the State Commission or National Commission. Appeals add further time.

Settlement and mediation

The commission may refer the matter for mediation at any stage. Many medical negligence cases settle before a final order, particularly when the evidence is strong on one side and the parties prefer certainty over prolonged litigation. See also the note on mediation.

Consumer Protection Act, 2019: what changed for medical cases

September 2026

The Consumer Protection Act, 2019 replaced the 1986 Act and introduced several changes that affect medical negligence cases.

Consumer definition

The 2019 Act defines “consumer” more broadly. A person who hires or avails medical services for consideration is a consumer; under the Indian Medical Association v. V.P. Shantha (1995) principle, services rendered entirely free of charge fall outside the Act, though a hospital that charges some patients while treating others free is covered. That principle continues under the 2019 Act.

Mediation

The 2019 Act made mediation a formal part of the consumer dispute resolution process. The commission can refer any matter for mediation, and a settlement arrived at through mediation is enforceable as a decree of the commission. This has made early resolution more common in medical negligence cases.

E-filing and video hearings

The 2019 Act permits e-filing of complaints and video conferencing for hearings. This has reduced the need for physical presence, particularly for complainants and respondents in different cities.

What has not changed

The substantive test for medical negligence remains the same: the Bolam test, the burden of proof, and the standard of “reasonable competent practitioner” are unchanged. The 2019 Act is procedural, not substantive. See the notes on what is medical negligence and the Bolam test.

PCPNDT and the Medical Termination of Pregnancy Act

September 2026

Two statutes work together in this area of practice: the Pre-Conception and Pre-Natal Diagnostic Techniques (PCPNDT) Act, 1994 (amended 2003), and the Medical Termination of Pregnancy (MTP) Act, 1971 (amended 2021). Each governs a different stage, and knowing which applies is often the first question in a matter.

What each Act does

The PCPNDT Act criminalises the determination and disclosure of the sex of a foetus. It covers the equipment, the persons who operate it, and the records they must keep, including Form F. The Act exists to prevent sex-selective practices.

The MTP Act regulates when a pregnancy may lawfully be terminated, on specified medical and social grounds and within prescribed time limits. A termination carried out outside those grounds is an offence under the Act, whether or not the foetus was female.

Aggravated female feticide

Where a complaint alleges sex-selective termination, two elements must both be present: an unlawful termination under the MTP Act, and a prior sex determination under the PCPNDT Act. Each element has to be proved. A PCPNDT violation alone is not female feticide, and an MTP contravention alone is not sex-selective.

Liability by role

The burden differs by actor. A sonologist or radiologist who performs a sex determination is directly liable under the PCPNDT Act. A treating doctor is liable for sex-selective termination only if collusion with the patient or family can be proved. Family members who arrange a sex-selective termination may face liability as abettors. Records and chain of custody are usually decisive.

Sting operations

Decoy or sting operations are a common enforcement method and can establish a PCPNDT violation. They do not, by themselves, establish female feticide, because no actual termination occurs. This distinction matters for both complainants and practitioners facing investigation.

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Dr. S.M. Kantikar, Former Member, NCDRC. MBBS, MD (Path), LLB, PhD Law.

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