{"id":288822,"date":"2023-04-08T10:00:37","date_gmt":"2023-04-08T04:30:37","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=288822"},"modified":"2023-04-19T15:50:04","modified_gmt":"2023-04-19T10:20:04","slug":"insurance-companies-have-right-to-repudiate-claim-on-non-disclosure-of-existence-of-previous-policies-during-taking-any-fresh-policy-allahabad-high-court-legal-research-legal-news","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2023\/04\/08\/insurance-companies-have-right-to-repudiate-claim-on-non-disclosure-of-existence-of-previous-policies-during-taking-any-fresh-policy-allahabad-high-court-legal-research-legal-news\/","title":{"rendered":"Insurance Companies have right to repudiate claim on non-disclosure of existence of previous policies during taking any fresh policy: Allahabad High Court"},"content":{"rendered":"<p><script type=\"text\/javascript\">\n\u00a0\u00a0\u00a0 document.title = 'Allahabad HC: Insurance company can repudiate claim on non-disclosure of existing policy | SCC Blog'\n\u00a0\u00a0\u00a0 document.querySelector('meta[name=\"description\"]').setAttribute(\"content\", \"Allahabad High Court held that insurance company can repudiate claim on non-disclosure of existing policy while taking afresh policy.\");\n<\/script><\/p>\n<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\"><b>Allahabad High Court:<\/b> In an appeal filed challenging the impugned order, whereby the Insurance Ombudsman, (Western U.P. and Uttarakhand), has dismissed the complaint filed by the petitioner against rejection of her claim by the Senior Divisional Manager of the Life Insurance Corporation (\u2018LIC\u2019) concerning the insurance policy, Kshitij Shailendra,J said that there is no good ground to interfere in the impugned orders, as mere payment of premium would not stop the insurance company from repudiating the claim as it is well within its rights to repudiate or reject the claim on the ground of non-disclosure of existence of previous policies at the time of taking any fresh policy.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court referred to Sections <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001516684\" target=\"_blank\" rel=\"noopener\">106<\/a>, <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001516696\" target=\"_blank\" rel=\"noopener\">114<\/a>, <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001516698\" target=\"_blank\" rel=\"noopener\">115<\/a> of the <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002726934\" target=\"_blank\" rel=\"noopener\">Evidence Act, 1872<\/a> and Section <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0001527449\" target=\"_blank\" rel=\"noopener\">37<\/a> of the <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002726954\" target=\"_blank\" rel=\"noopener\">\u00a0Contract Act, 1872<\/a> , and said that the contract of insurance between the deceased husband of the petitioner and Corporation would certainly bind his legal representatives, i.e. his wife (petitioner) , and proposal forms would certainly fall within the category of \u201ccontract of insurance\u201d and, therefore, if, on account of any false declaration or concealment made by the deceased, the claim has been rejected, the petitioner, being a successor\/representative of her husband, would not get any relief in the totality of the facts and circumstances of the present case.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court said that existence of two policies was in special knowledge of the insured deceased but only existence of one policy was disclosed in one form and the other policy was not disclosed in either of the proposal forms and, therefore, by invoking the principle of adverse inference and estoppel, respectively contained in Section 114(g) and Section 115 of the Act, 1872, no advantage of non-disclosure can be given to the petitioner so as to claim any relief regarding the two policies repudiated under the impugned orders.<\/p>\n<p style=\"margin-bottom: 3%;\">Further, the Court said that mere payment of premium would not estop the insurance company from repudiating the claim as it is well within its rights to repudiate or reject the claim on the ground of non-disclosure of existence of previous policies at the time of taking any fresh policy as there are various factors, administrative, medical as well as financial which need to be analysed by LIC , while issuing any fresh insurance policy to a person who was already insured.<\/p>\n<p style=\"margin-bottom: 3%;\">Placing reliance on <i>Joel<\/i> v. <i>Law Union and Crown Insurance Company<\/i>, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/o18nzF77\" target=\"_blank\" rel=\"noopener\">[1908] 2 K.B. 431<\/a>, the Court said that when an information on a specific aspect is asked in the proposal form, an assured is under a solemn obligation to make a true and full disclosure of the information on the subject which is within his knowledge. It is not for the proposer to determine whether the information sought for is material for the purpose of the policy or not. The obligation to disclose extends only to facts which are known to the applicant and not to what he ought to have known.<\/p>\n<p style=\"margin-bottom: 3%;\">Moreover, the Court said that the term \u201cmaterial fact\u201d is not defined in the Act, thus it has been explained by the courts as any fact which would influence the judgment of a prudent insurer in fixing the premium or determining whether he would like to accept the risk. Any fact which goes to the root of the contract of insurance and has a bearing on the risk involved would be \u201cmaterial\u201d.<\/p>\n<p style=\"margin-bottom: 3%;\">Further, the Court said that the declaration made by the insured at the bottom of the proposal form and signed by him contains clear stipulation to the effect that he has not withheld any information and that the statements made by him in the said declaration shall be the basis of \u2018contract of insurance\u2019 between him and the Corporation and, if any, untrue averment be contained therein, the contract shall be absolutely null and void and the money which shall have been paid in respect thereof, shall stand forfeited.<\/p>\n<p style=\"margin-bottom: 3%;\">Thus, the Court dismissed the petition.<\/p>\n<p style=\"margin-bottom: 3%;\">[<span style=\"font-weight: bold; color: #632423;\">Parul Agarwal v LIC, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/Pi8HkRbM\" target=\"_blank\" rel=\"noopener\">2023 SCC OnLine All 125<\/a>, decided on 03-04-2023<\/span>]<\/p>\n<hr \/>\n<p>Advocates who appeared in this case :<\/p>\n<p style=\"margin-left: 18pt;\">Counsel for Petitioner: Advocate Neeraj Tripathi, Advocate Abhinav Ojha, Advocate Ashutosh Srivastava, Advocate Rajendra Pratap Singh, Advocate Rakesh Chandra Pathak;<\/p>\n<p style=\"margin-left: 18pt;\">Counsel for Respondent: Advocate Manish Goyal, Advocate P.Misra, Advocate Udai Shanker Mishra.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p><i>Allahabad High Court rejected the contention of the petitioner that since forms are filled up by the agents\/officers of LIC, anything omitted would not constitute ground for repudiation\/rejection of the claim.<\/i><\/p>\n","protected":false},"author":67512,"featured_media":284708,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[2510,3174,56611,2707,25753,2683,47857,47207,30237],"class_list":["post-288822","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-highcourts","tag-Allahabad_High_Court","tag-contract","tag-contract-of-uberrima-fides","tag-Insurance","tag-insurance-company","tag-LIC","tag-life-insurance-policy","tag-non-disclosure-of-material-fact","tag-premium"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Companies have right to repudiate claim on non-disclosure of existence of previous policies during taking any fresh policy: Allahabad High 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prudent insurer has to gauge possible risks\u201d; Insurer can\u2019t repudiate mediclaim alleging pre-existing illness where policy was issued after considering necessary medical records: SC","author":"Editor","date":"December 17, 2021","format":false,"excerpt":"Supreme Court: The Division Bench of Dhananjaya Y Chandrachud and B.V. Nagarathna*, JJ., held that if on the consideration of the medical report, the insurance company gets satisfied about the medical condition of the proposer and that there was no risk of pre-existing illness, and on such satisfaction it issues\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-3-3.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-3-3.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-3-3.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-3-3.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-3-3.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":268626,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/06\/18\/act-of-terrorism-interpretation-insurance-claim-repudiation-supreme-court-judgment-india-legal-updates-research-news\/","url_meta":{"origin":288822,"position":1},"title":"Can insurer rely on statutory interpretation of \u201cacts of terrorism\u201d to repudiate insurance claim where the policy itself defines the term? Supreme Court decides\u00a0\u00a0","author":"Editor","date":"June 18, 2022","format":false,"excerpt":"Supreme Court: In an insurance repudiation case the Division Bench of Ajay\u202fRastogi and Abhay\u202fS.\u202fOka*, JJ., held that where the insurance policy expressly defines a term the insurance company cannot rely on Statutory interpretation of the same to repudiate the insurance claim.\u00a0\u00a0 The Court reversed National Consumer Disputes Redressal Commission\u2019s (NCDRC)\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/06\/MicrosoftTeams-image.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/06\/MicrosoftTeams-image.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/06\/MicrosoftTeams-image.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/06\/MicrosoftTeams-image.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/06\/MicrosoftTeams-image.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":348642,"url":"https:\/\/www.scconline.com\/blog\/post\/2025\/05\/23\/the-principle-of-uberrima-fides-and-the-evolving-judicial-approach-to-non-disclosure-of-lifestyle-diseases\/","url_meta":{"origin":288822,"position":2},"title":"The Principle of Uberrima Fides and the Evolving Judicial Approach to Non-Disclosure of Lifestyle Diseases","author":"Editor","date":"May 23, 2025","format":false,"excerpt":"by Utkarsh Pandit*","rel":"","context":"In &quot;Op Eds&quot;","block_context":{"text":"Op Eds","link":"https:\/\/www.scconline.com\/blog\/post\/category\/op-ed\/legal-analysis\/"},"img":{"alt_text":"Principle of Uberrima Fides","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/05\/Principle-of-Uberrima-Fides.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/05\/Principle-of-Uberrima-Fides.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/05\/Principle-of-Uberrima-Fides.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/05\/Principle-of-Uberrima-Fides.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":33921,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/01\/28\/repudiation-of-policy-claim-on-the-ground-of-non-disclosure-of-material-facts-declared-improper-2\/","url_meta":{"origin":288822,"position":3},"title":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper","author":"Sucheta","date":"January 28, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0\u201cHypertension is a common ailment and it can be controlled by medication and it is not necessary that a person suffering from hypertension would always suffer a heart attack,\u201d observed NCDRC while rendering relief to a person whose insurance cover for Bypass Surgery was repudiated\u2026","rel":"","context":"In &quot;Case Briefs&quot;","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":240747,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/12\/16\/ncdrc-if-a-car-gets-stolen-while-being-insured-but-temporary-registration-of-car-get-expires-can-insurance-company-escape-from-its-liability-of-indemnifying-loss-commission-decides\/","url_meta":{"origin":288822,"position":4},"title":"NCDRC | If a car is stolen while being insured but temporary registration of car expires, can Insurance company escape from its liability of indemnifying loss? Commission decides","author":"Bhumika Indulia","date":"December 16, 2020","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0C. Vishwanath (Presiding Member), held that since the Insurance Company itself insured the complainant\u2019s vehicle and the vehicle had been stolen during the currency of the Policy and the Police were informed immediately, the Insurance Company could not repudiate the claim. The instant revision petition\u2026","rel":"","context":"In &quot;Case Briefs&quot;","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":250146,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/06\/22\/insurance-company\/","url_meta":{"origin":288822,"position":5},"title":"Can insurance company repudiate claim if insured suppresses fact of suffering from ailment while taking policy? Telangana State Consumer Forum answers","author":"Bhumika Indulia","date":"June 22, 2021","format":false,"excerpt":"State Consumer Disputes Redressal Commission, Telangana: Justice MSK Jaiswal (President) and Meena Ramanathan (Member) upheld the District Commission\u2019s Order observing the consequence of suppressing the material fact while taking an insurance policy. If the insurer can show that prior to the date of declaration of being healthy, the insured was\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/288822","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\/67512"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=288822"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/288822\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/284708"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=288822"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=288822"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=288822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}