{"id":6651,"date":"2015-06-04T14:06:00","date_gmt":"2015-06-04T14:06:00","guid":{"rendered":"http:\/\/localhost\/sccblog\/?p=6651"},"modified":"2015-10-14T12:58:57","modified_gmt":"2015-10-14T07:28:57","slug":"repudiation-of-policy-claim-on-the-ground-of-non-disclosure-of-material-facts-declared-improper","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2015\/06\/04\/repudiation-of-policy-claim-on-the-ground-of-non-disclosure-of-material-facts-declared-improper\/","title":{"rendered":"Repudiation of policy claim on the ground of non-disclosure of material facts, declared improper"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): <\/span><\/b>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 approached NCDRC alleging that he was denied insurance claim on the ground that he did not disclose the fact that he was a known case of Hypertension and chronic kidney disease. Earlier, the complainant who was working for Jet Lite (India) Ltd. as pilot from 01.12.2007 had obtained a policy Ltd. of Rs.1.00 crore in April, 2009 from New India Assurance Co. and paid a sum of Rs.56, 200\/- as premium. Later, in December, 2009, when the complainant was declared \u2018permanently unfit\u2019  for flying, he approached the insurance company for his policy claim but his claim was repudiated on the ground that he did not disclose the fact that he was a known case of Hypertension and chronic kidney disease. The complainant had alleged that as the last two medical tests conducted by the Air Force, reveal that the complainant had met the prescribed medical standards and the insurance policy was issued after going through the said medical reports, insurance company is liable to pay the claim amount. After perusing the documents, Commission observed that, \u201cAt the time of renewal of the licence, the complainant had undergone assessment through Medical Board constituted by Air Force Central Medical Establishment and it was certified that the complainant met the specified medical standards.  The said disease was detected only in June, 2009.  There is not even an iota of evidence which may go to show that the complainant suffered from this ailment, prior to April, 2009.\u201d Accordingly, the Commission directed the insurance company to pay a sum of Rs.50, 00,000\/- in favour of the complainant, with interest @ 9% p.a., from the date of filing of complaint till its realisation.\u201d The sum of Rs.27, 575\/-, which was not earlier refunded by the company to the complainant was also directed to be refunded with interest @ 18% p.a., till its realization. (Capt. A.K.Singh v. New India Assurance Co. Ltd., 2015 SCC OnLine NCDRC 12<\/a>, decided on 11.05.2015)<\/o:p><\/b><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): While declaring the repudiation of claim of a policyholder by the insurance company on the ground <\/p>\n","protected":false},"author":3,"featured_media":7321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[11],"tags":[3487],"class_list":["post-6651","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tribunals_commissions_regulatorybodies","tag-policy"],"yoast_head":"\nRepudiation 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\" 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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 "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 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However, the claim was rejected as the DLA failed to disclose material facts while availing the policies, thereby violating the principle of ubberima fidei (utmost good faith)","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\/2024\/04\/National-Consumer-Disputes-Redressal-Commission.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/National-Consumer-Disputes-Redressal-Commission.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/National-Consumer-Disputes-Redressal-Commission.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/National-Consumer-Disputes-Redressal-Commission.webp?resize=700%2C400&ssl=1 2x"},"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":6651,"position":2},"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 "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 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2015","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): While upholding the repudiation of the claim of the complainant by LIC on the ground of suppression of material facts, as proper, NCDRC observed that a contract between the parties falls in the category of contract uberrimae fidei, meaning a contract of utmost good\u2026","rel":"","context":"In "Tribunals\/Commissions\/Regulatory Bodies"","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, 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to natural calamity, NCDRC set aside the order of Chattisgarh State Commission, affirming the repudiation of claim by Insurance Company in the matter and\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 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