Case Law Analysis
|Rajasthan High Court
Insurance Claim | Pre-existing Condition Does Not Bar Payout If Accident Is Proximate Cause: Rajasthan HC | Burden of Proof on Insurer
The Rajasthan High Court held that an insurer cannot deny a death claim merely because the deceased had a pre-existing heart condition - the burden lies squarely on the insurer to prove the condition, not the accident, caused death. Without corroborative medical evidence linking the condition to the fatality, the claim must be upheld, reinforcing protections for beneficiaries under accident-based policies.