{"id":203861,"date":"2018-10-16T18:00:08","date_gmt":"2018-10-16T12:30:08","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=203861"},"modified":"2018-10-16T17:50:33","modified_gmt":"2018-10-16T12:20:33","slug":"suppressing-existence-of-common-diseases-does-not-disentitle-the-claimant-completely-of-the-insurance-claim","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2018\/10\/16\/suppressing-existence-of-common-diseases-does-not-disentitle-the-claimant-completely-of-the-insurance-claim\/","title":{"rendered":"Suppressing existence of common diseases does not disentitle the claimant completely of the insurance claim"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC):<\/strong> A Single Member Bench of Prem Narain, (Presiding Member), allowed a revision petition filed against the order of State Consumer Disputes Redressal Commission, Haryana.<\/p>\n

The main issue that arose before the Commission was whether suppression of a fact pertaining to diabetes precludes the family members of the insured to claim the benefits of insurance policy.<\/p>\n

The Commission, in this case, observed that on the date of filing the proposal form the insured was not suffering from the disease which caused his death. As far as the claim of the respondent company that the insured had suppressed the fact that he was suffering from diabetes was concerned, the Commission referred to the case of Hari Om Agarwal v. Oriental Insurance Co. Ltd., <\/em>2007 SCC OnLine Del 1278<\/a>, and observed that insurance claim cannot be denied on the ground of lifestyle diseases that are so common. The Commission further observed that even though insurance claims cannot be denied on the ground of lifestyle diseases but that doesn\u2019t give the insured a right to suppress information from the insurance company and if the person does so then he must suffer in the form of reduced claims. The Commission also referred to the case of Sulbha Prakash Motegaonkar v. LIC of India<\/em>, Civil Appeal No. 8245 of 2015 and observed that suppression of information regarding any pre-existing disease, if it has not resulted in death or has no connection to cause of death, would not disentitle the claimant for the claim.<\/p>\n

The Commission held that the primary reason of death in the instant case was not diabetes. The insured had died due to some other disease and he was not suffering from that disease at the time when he had bought the insurance policy. The Commission allowed the petition and set aside the order of the State Commission. [Neelam Chopra v. Life Insurance Corporation of India, Revision Petition No. 4461 of 2012, order dated 08-10-2018]<\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): A Single Member Bench of Prem Narain, (Presiding Member), allowed a revision petition filed against the <\/p>\n","protected":false},"author":8808,"featured_media":199533,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,11],"tags":[32112,32113,2617],"class_list":["post-203861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies","tag-common-diseases","tag-diabetes","tag-insurance_claim"],"yoast_head":"\nSuppressing existence of common diseases does not disentitle the claimant completely of the insurance claim | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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Jain (Presiding Member) dismissed an appeal filed by a jeweller, assailing repudiation of his claim for insurance. The complainant\/appellant obtained a Jewellers Block Policy from the respondent company for Rs 48 lakhs. During the period of the policy, some burglars entered their\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":240712,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/12\/15\/ncdrc-investigation-and-survey-by-an-insurance-company-are-fundamental-in-determining-the-amount-payable-to-insured-can-a-survey-be-disregarded-or-dismissed-read-commissions-decision\/","url_meta":{"origin":203861,"position":3},"title":"NCDRC | Investigation and Survey by an insurance company are fundamental in determining the amount payable to insured: Can a survey be disregarded or dismissed? Read Commission’s decision","author":"Bhumika Indulia","date":"December 15, 2020","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): Dinesh Singh (Presiding Member) while addressing the instant first appeal upheld the State Commission's Order in regard to a claim filed by the insured with the insurance company. The instant appeal was filed under Section 19 of the Consumer Protection Act, 1986 challenging the\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":203251,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/10\/08\/insurance-claim-cannot-be-rejected-on-the-ground-of-misrepresentation-when-the-insurance-company-did-not-ask-for-full-details-from-the-party\/","url_meta":{"origin":203861,"position":4},"title":"Insurance claim cannot be rejected on the ground of misrepresentation when the insurance company did not ask for full details from the party \u00a0","author":"Bhumika Indulia","date":"October 8, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): A Single Member Bench of V.K. Jain, J., rejected an appeal filed against the order of State Commission whereby it was directed to pay the insurance amount to the respondent. The respondent, in this case, entered into a contract with an overseas buyer for\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":203031,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/10\/03\/murder-without-the-deliberate-and-willful-act-of-the-insured-falls-within-the-definition-of-the-term-accident-for-the-purposes-of-an-accident-insurance-claim\/","url_meta":{"origin":203861,"position":5},"title":"Murder without the deliberate and wilful act of the insured falls within the definition of the term \u2018accident\u2019 for the purposes of an accident insurance claim","author":"Bhumika Indulia","date":"October 3, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): The bench comprising of S.M. Kantikar and Dinesh Singh, Members, while dealing with an appeal filed against the order of State Commission, held that murder of an insured person must be treated as an accidental death if the same is not the result of\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/203861","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/8808"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=203861"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/203861\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/199533"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=203861"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=203861"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=203861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}