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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 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.
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.
NCDRC reinforces the principle of utmost good faith in insurance contracts, holding that insurers cannot later void policies for age misrepresentation if they accepted identity documents at issuance without verification. The ruling shields policyholders from claim repudiation based on procedural lapses by insurers, setting a precedent for consumer protection in life insurance disputes.