{"id":33921,"date":"2016-01-28T12:09:04","date_gmt":"2016-01-28T06:39:04","guid":{"rendered":"http:\/\/www.scconline.com\/blog\/?p=33921"},"modified":"2016-02-09T14:42:20","modified_gmt":"2016-02-09T09:12:20","slug":"repudiation-of-policy-claim-on-the-ground-of-non-disclosure-of-material-facts-declared-improper-2","status":"publish","type":"post","link":"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\/","title":{"rendered":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong>National Consumer Disputes Redressal Commission (NCDRC):\u00a0<\/strong>\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 by the insurance company on the ground that the insured was having a history of hypertension which was not disclosed in proposal form. Earlier, complainant purchased an Overseas Travel Insurance Policy from Bajaj Allianz General Insurance Co. Ltd. for sum insured US$ 2,00,000. As per the policy, against one ailment, the maximum insurance cover was 15000 US$ equivalent to Rs.7,50,000\/-. During the subsistence of the insurance policy, the complainant complained of chest pain during his stay in London. When he consulted the doctor he was admitted in hospital and underwent Coronary Bypass Graft Surgery at Wellington Hospital, London. The insurance claim of complainant for reimbursement of amount of 12,005 pounds for expenses for surgery and consultation fee etc. was repudiated by the insurance company on the ground that claim was not payable because as per the medical record of the treating doctor \/ hospital, the complainant was having past medical history of hypercholestremia, Ischaemic Heart Disease as well as hypertension, which were excluded as per the insurance contract. However, when the complainant approached District Forum, an amount of Rs.7,19,500\/- was granted to the complainant alongwith Rs.2200\/- as litigation expenses. When the insurance company filed appeal against the order of District Forum, State Commission observed that insurance company was justified in repudiating insurance claim because the complainant had obtained insurance policy by concealing the factum of his previous ailment, namely, hypertension, which has a nexus with the heart problem. Being aggrieved by the order of the State Commission, the complainant filed revision petition. NCDRC, after perusing the relevant records and hearing the parties, observed that \u201cthe only fact established by the above reports (medical report of the petitioner) is that the petitioner prior to obtaining insurance policy was having history of hypertension. This, however, does not lead to conclusion that petitioner was also having previous history of heart problem. Therefore, the insurance claim submitted by the complainant for treatment of his heart problem cannot be termed as a claim in respect of a pre existing disease. Thus, repudiation of insurance claim by the respondent opposite party is not justified.\u201d \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. Therefore, the argument advanced by respondent is far fetched and is liable to be rejected,\u201d noted the Commission while allowing the revision petition and restoring the order of the District Forum. [<em>Satish Chander Madan<\/em> v. <em>Bajaj Allianz General Insurance<\/em>,\u00a0<strong><a href=\"http:\/\/www.scconline.com\/LoginForNewsLink\/2016_SCC_OnLine_NCDRC_28\">2016 SCC Online NCDRC 28<\/a><\/strong>, decided on 11 January, 2016]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>National Consumer Disputes Redressal Commission (NCDRC):\u00a0\u201cHypertension is a common ailment and it can be controlled by medication and it is not necessary <\/p>\n","protected":false},"author":3,"featured_media":199533,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,11],"tags":[],"class_list":["post-33921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper | 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\" href=\"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\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper\" \/>\n<meta property=\"og:description\" content=\"National Consumer Disputes Redressal Commission (NCDRC):\u00a0\u201cHypertension is a common ailment and it can be controlled by medication and it is not necessary\" \/>\n<meta property=\"og:url\" content=\"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\/\" \/>\n<meta property=\"og:site_name\" content=\"SCC Times\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/scc.online\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-01-28T06:39:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2016-02-09T09:12:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1330\" \/>\n\t<meta property=\"og:image:height\" content=\"887\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sucheta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sucheta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"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\\\/#article\",\"isPartOf\":{\"@id\":\"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\\\/\"},\"author\":{\"name\":\"Sucheta\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#\\\/schema\\\/person\\\/7416b8c43cd3a0a3412cf97fc17b54fa\"},\"headline\":\"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper\",\"datePublished\":\"2016-01-28T06:39:04+00:00\",\"dateModified\":\"2016-02-09T09:12:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"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\\\/\"},\"wordCount\":486,\"commentCount\":0,\"image\":{\"@id\":\"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\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/08\\\/NCDRC_.jpg\",\"articleSection\":[\"Case Briefs\",\"Tribunals\\\/Commissions\\\/Regulatory Bodies\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"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\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"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\":\"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\\\/\",\"name\":\"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper | SCC Times\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"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\\\/#primaryimage\"},\"image\":{\"@id\":\"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\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/08\\\/NCDRC_.jpg\",\"datePublished\":\"2016-01-28T06:39:04+00:00\",\"dateModified\":\"2016-02-09T09:12:20+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#\\\/schema\\\/person\\\/7416b8c43cd3a0a3412cf97fc17b54fa\"},\"breadcrumb\":{\"@id\":\"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\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"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\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"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\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/08\\\/NCDRC_.jpg\",\"contentUrl\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/08\\\/NCDRC_.jpg\",\"width\":1330,\"height\":887,\"caption\":\"National Consumer Disputes Redressal Commission\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"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\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/\",\"name\":\"SCC Times\",\"description\":\"Bringing you the Best Analytical Legal News\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/#\\\/schema\\\/person\\\/7416b8c43cd3a0a3412cf97fc17b54fa\",\"name\":\"Sucheta\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g\",\"caption\":\"Sucheta\"},\"url\":\"https:\\\/\\\/www.scconline.com\\\/blog\\\/post\\\/author\\\/legal_editor\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper | SCC Times","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"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\/","og_locale":"en_US","og_type":"article","og_title":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper","og_description":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0\u201cHypertension is a common ailment and it can be controlled by medication and it is not necessary","og_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\/","og_site_name":"SCC Times","article_publisher":"https:\/\/www.facebook.com\/scc.online\/","article_published_time":"2016-01-28T06:39:04+00:00","article_modified_time":"2016-02-09T09:12:20+00:00","og_image":[{"width":1330,"height":887,"url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","type":"image\/jpeg"}],"author":"Sucheta","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Sucheta","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"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\/#article","isPartOf":{"@id":"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\/"},"author":{"name":"Sucheta","@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/7416b8c43cd3a0a3412cf97fc17b54fa"},"headline":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper","datePublished":"2016-01-28T06:39:04+00:00","dateModified":"2016-02-09T09:12:20+00:00","mainEntityOfPage":{"@id":"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\/"},"wordCount":486,"commentCount":0,"image":{"@id":"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\/#primaryimage"},"thumbnailUrl":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","articleSection":["Case Briefs","Tribunals\/Commissions\/Regulatory Bodies"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["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\/#respond"]}]},{"@type":"WebPage","@id":"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":"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\/","name":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper | SCC Times","isPartOf":{"@id":"https:\/\/www.scconline.com\/blog\/#website"},"primaryImageOfPage":{"@id":"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\/#primaryimage"},"image":{"@id":"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\/#primaryimage"},"thumbnailUrl":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","datePublished":"2016-01-28T06:39:04+00:00","dateModified":"2016-02-09T09:12:20+00:00","author":{"@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/7416b8c43cd3a0a3412cf97fc17b54fa"},"breadcrumb":{"@id":"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\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["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\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"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\/#primaryimage","url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","contentUrl":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","width":1330,"height":887,"caption":"National Consumer Disputes Redressal Commission"},{"@type":"BreadcrumbList","@id":"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\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.scconline.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper"}]},{"@type":"WebSite","@id":"https:\/\/www.scconline.com\/blog\/#website","url":"https:\/\/www.scconline.com\/blog\/","name":"SCC Times","description":"Bringing you the Best Analytical Legal News","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.scconline.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/7416b8c43cd3a0a3412cf97fc17b54fa","name":"Sucheta","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g","caption":"Sucheta"},"url":"https:\/\/www.scconline.com\/blog\/post\/author\/legal_editor\/"}]}},"jetpack_featured_media_url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":6651,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/06\/04\/repudiation-of-policy-claim-on-the-ground-of-non-disclosure-of-material-facts-declared-improper\/","url_meta":{"origin":33921,"position":0},"title":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper","author":"Sucheta","date":"June 4, 2015","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): While declaring the repudiation of claim of a policyholder by the insurance company on the ground of non-disclosure of material facts as improper, NCDRC directed the insurance company to pay the insurance cover amount to the policyholder. A pilot of a private airline had\u2026","rel":"","context":"In &quot;Tribunals\/Commissions\/Regulatory Bodies&quot;","block_context":{"text":"Tribunals\/Commissions\/Regulatory Bodies","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/tribunals_commissions_regulatorybodies\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":99271,"url":"https:\/\/www.scconline.com\/blog\/post\/2017\/01\/13\/repudiation-of-claim-by-insurance-company-on-the-ground-of-failure-of-written-intimation-of-theft-of-vehicle-held-proper\/","url_meta":{"origin":33921,"position":1},"title":"Repudiation of claim by insurance company on the ground of failure of written intimation of theft of vehicle, held proper","author":"Saba","date":"January 13, 2017","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): \u00a0NCDRC has held that failure of the insured to give immediate information of theft in writing to the insurance company would entitle the insurance company to repudiate the claim. While observing this, NCDRC upheld the repudiation of insurance claim by Reliance General Insurance Co.\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":33921,"position":2},"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":[]},{"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":33921,"position":3},"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":263636,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/03\/14\/if-a-person-conceals-facts-about-pre-existing-fatal-disease-at-the-time-of-taking-insurance-would-it-be-a-breach-of-insurance-contract\/","url_meta":{"origin":33921,"position":4},"title":"If a person conceals facts about pre-existing fatal disease at the time of taking insurance, would it be a breach of insurance contract? NCDRC explains","author":"Bhumika Indulia","date":"March 14, 2022","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): The Coram of Dinesh Singh (Presiding Member) and Karuna Nand Bajpayee (Member) upheld the decision of the District Commission with respect to concealment of pre-existing fatal diseases at the time of taking insurance. A revision petition was filed challenging the State Commission\u2019s Order. The\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":213425,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/04\/09\/ncdrc-claim-for-insurance-not-maintainable-where-the-insured-does-not-prescribe-to-terms-of-the-insurance-policy\/","url_meta":{"origin":33921,"position":5},"title":"NCDRC | Claim for insurance not maintainable where the insured does not prescribe to the terms of insurance policy","author":"Bhumika Indulia","date":"April 9, 2019","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): Justice V.K. 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 &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":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/33921","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=33921"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/33921\/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=33921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=33921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=33921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}