Case Law Analysis
|Punjab and Haryana High Court
Uberrima Fidei in Life Insurance | Non-Disclosure of Prior CABG & Coronary Artery Disease Voids Claim Even Without Knowledge : Punjab & Haryana HC
Punjab & Haryana HC upholds repudiation of a life insurance claim where the insured failed to disclose prior coronary artery bypass grafting (CABG) and coronary artery disease in the proposal form, even if unaware of the diagnosis. The ruling reinforces that material concealment vitiates the policy under the principle of utmost good faith, binding insureds to disclose known medical history regardless of subjective awareness.