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NCDRC -Repudiation of policy claim on the ground of non-disclosure of material facts

NATIONAL CONSUMER DISPUTE REDRESSAL COMMISSION (NCDRC) has laid down that 

“Hypertension 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,”

NCDRC granted 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/-.

This ratio will help those insured persons whose claims, under the policy, are rejected on the ground of non disclosure of facts of common ailments .

[Satish Chander Madan v. Bajaj Allianz General Insurance, 2016 SCC Online NCDRC 28, decided on 11 January, 2016]

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