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The NCDRC upheld Tata AIG Life Insurance’s repudiation of a claim after finding the insured concealed a pre existing cardiac condition and resynchronisation therapy, stating that non disclosure justifies claim rejection under Section 21(b) CPA 1986.
An insurer cannot rely on an exclusion clause if the policy terms were not supplied, the Delhi State Commission ruled. It awarded Rs 1.8 lakh for hospitalization expenses, stressing that insurers must disclose terms or lose reliance on exclusions.
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.
Delhi State Consumer Commission directs HDFC Life to pay Rs. 15 lakh death claim with 9% interest from 2013, ruling that non-disclosure of job termination was immaterial to the insurance contract. Upholds District Forum’s order, rejecting insurer’s plea under the principle of utmost good faith.
The NCDRC has ruled that insurers cannot deny group health claims based on alleged non-disclosure of pre-existing hypertension unless they produce authentic, contemporaneous medical records. This reinforces the burden of proof on insurers under uberrimae fidei and protects consumers from arbitrary claim repudiation based on unsubstantiated allegations.
Madras High Court reaffirms statutory exclusivity under the Representation of the People Act, 1951, holding that election affidavit discrepancies can only be contested through election petitions, not writ jurisdiction. The ruling bars Article 226 remedies for non-disclosure, reinforcing procedural safeguards for electoral integrity.
Rajasthan High Court rules that non-disclosure of a pre-existing illness does not automatically void a life insurance policy unless the illness is the proximate cause of death. The court upheld a partial claim of Rs. 2.5 lakh, emphasizing that insurers must prove a direct causal link between the non-disclosure and the death to deny benefits.
Bombay High Court rules that concealing a partnership firm's tax liabilities in the mandatory Form 26 affidavit under the Representation of the People Act, 1951, amounts to a corrupt practice, warranting trial. The judgment underscores the strict disclosure obligations for election candidates, impacting electoral transparency and accountability.
The Sikkim High Court ruled that suppressing minor, compounded criminal cases in recruitment for low-responsibility public roles cannot justify termination, especially for economically disadvantaged candidates. The judgment anchors this in Article 21’s guarantee of dignity and the principle of reformative justice, setting a precedent for equitable treatment in public employment screening.