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Uttarakhand CDRC overturned dismissal of a life insurance claim, holding that repudiation needs proof undisclosed Hepatitis was material to risk. Awarded ₹2 lakh with 6% interest from March 2014, it showed the burden under Uberrimae fidei.
The Assam Consumer Disputes Redressal Commission ruled that the insurer’s refusal to pay the death benefit, based on alleged omissions about prior policies and income, was unjustified because the information was not material. The decision obliges insurers to honour claims unless the non-disclosure is material, protecting policyholders and nominees.
Maharashtra State Consumer Disputes Redressal Commission rules that rejecting a medical insurance claim and cancelling a policy based on non-disclosure of a non-material fact (speech delay) constitutes deficiency in service and unfair trade practice. The ruling reinforces that insurers cannot arbitrarily void policies for immaterial omissions, protecting policyholders from bad-faith rejections.