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The Delhi State CDRC held that hiding a prior dismissed complaint bars a claim for deficiency of service and compensation under CPA, 2019. It stresses that consumers must disclose earlier complaints; nondisclosure can forfeit relief in electricity disputes.
NCDRC rules that life insurance claims cannot be repudiated merely for minor ailments; insurers must prove material non-disclosure directly linked to the cause of death. This reinforces the 'utmost good faith' doctrine, protecting policyholders from arbitrary claim denials based on unrelated medical history.
The Punjab & Haryana High Court ruled that under the doctrine of uberrima fidei, non-disclosure of a pre-existing chronic liver disease in a life insurance proposal form voids the claim, even if death occurs from an unrelated cause like a heart attack. Insurers are not liable if material facts are suppressed, reinforcing the duty of utmost good faith in insurance contracts.