Questão jurídica principal
Whether the insurer had to cover the planned treatment of the open bite as a congenital anomaly after age 20.
Decisão extraída
Coverage was denied because the later treatment was no longer medically necessary after age 20; the delay was not caused by medical reasons.
Fundamentação extraída
Art. 19a KLV allows post-20 treatment only when exclusively medical reasons require it. Here, treatment had been discussed already in 2001, but the insured deferred it for non-medical reasons and sought it years later.