{"id":56276,"date":"2019-06-06T20:29:49","date_gmt":"2019-06-06T14:59:49","guid":{"rendered":"https:\/\/www.legalindia.com\/news\/?p=56276"},"modified":"2019-06-06T20:29:49","modified_gmt":"2019-06-06T14:59:49","slug":"ncdrc-said-insurance-claim-cannot-be-denied-on-presumption-of-pre-existing-disease","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/news\/ncdrc-said-insurance-claim-cannot-be-denied-on-presumption-of-pre-existing-disease","title":{"rendered":"NCDRC Said: &#8216; Insurance claim cannot be denied on presumption of pre-existing disease &#8216;"},"content":{"rendered":"<p><strong>New Delhi<\/strong> : The NCDRC, the apex consumer commission, has held that an insurance claim cannot be denied on mere presumption that a person might be suffering from a pre-existing disease.<\/p>\n<p>The National Consumer Disputes Redressal Commission (NCDRC) said even if the insured person was suffering from a disease and did not know about it nor was taking any treatment for the same, the claim cannot be denied by an insurance company.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-06T202910.894.jpg?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"290\" height=\"174\" data-attachment-id=\"56277\" data-permalink=\"https:\/\/www.legalindia.com\/news\/ncdrc-said-insurance-claim-cannot-be-denied-on-presumption-of-pre-existing-disease\/download-2019-06-06t202910-894\" data-orig-file=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-06T202910.894.jpg?fit=290%2C174&amp;ssl=1\" data-orig-size=\"290,174\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"download &amp;#8211; 2019-06-06T202910.894\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-06T202910.894.jpg?fit=290%2C174&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-06T202910.894.jpg?fit=290%2C174&amp;ssl=1\" class=\"alignleft size-full wp-image-56277\" src=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-06T202910.894.jpg?resize=290%2C174&#038;ssl=1\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-06T202910.894.jpg?w=290&amp;ssl=1 290w, https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-06T202910.894.jpg?resize=150%2C90&amp;ssl=1 150w\" sizes=\"auto, (max-width: 290px) 100vw, 290px\" \/><\/a>The observations by the commission came while rejecting the revision plea filed by Reliance Life Insurance Co. Ltd against the Maharashtra state commission&#8217;s order dismissing its appeal challenging a district forum&#8217;s direction to pay Rs 1,12,500 to the husband of one of its policy holders who died of diabetic ketoacidosis.<\/p>\n<p>The district forum had also awarded Rs 5,000 towards physical and mental trauma, and Rs 3,000 as litigation cost to the husband who had filed the complaint against the insurance company.<\/p>\n<p>The NCDRC, while dismissing the revision plea, said the onus to prove the pre-existing disease lies on the insurance company.<\/p>\n<p>The commission also said in its view, diabetes was a lifestyle disease in India and the whole insurance claim cannot be rejected only based on this ground.<\/p>\n<p>Rekha Halder died of diabetic ketoacidosis on June 24, 2011.<\/p>\n<p>She was insured under a policy plan of Reliance Life Insurance Co Ltd since July 12, 2010. However, the insurance company repudiated the claim on the ground of non-disclosure of material information.<\/p>\n<p>On the complaint of Halder&#8217;s husband, the district forum of Jalgaon, Maharahstra, had passed an order directing the company to pay him over Rs 1.12 lakh.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>New Delhi : The NCDRC, the apex consumer commission, has held that an insurance claim cannot be denied on mere presumption that a person might be suffering from a pre-existing disease. The National Consumer Disputes Redressal Commission (NCDRC) said even if the insured person was suffering from a disease and did not know about it [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":56277,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[86],"tags":[31376,10318,44664],"class_list":["post-56276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consumer-law-news","tag-insurance-claim","tag-ncdrc","tag-presumption-of-pre-existing-disease"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>NCDRC Said: &#039; Insurance claim cannot be denied on presumption of pre-existing disease &#039; - Legal News India - Supreme Court &amp; High Court Updates<\/title>\n<meta name=\"description\" content=\"New Delhi : The NCDRC, the apex consumer commission, has held that an insurance claim cannot be denied on mere presumption that a person might be - Get the latest legal news from the Supreme Court, High Courts, and government. 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The commission was hearing a revision petition filed by Postal Life Insurance (PLI) challenging the order of the\u2026","rel":"","context":"In &quot;Top Law News&quot;","block_context":{"text":"Top Law News","link":"https:\/\/www.legalindia.com\/news\/category\/top-law-news"},"img":{"alt_text":"bb","src":"https:\/\/i0.wp.com\/www.legalindia.in\/news\/wp-content\/uploads\/2013\/12\/bb14-150x99.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":47533,"url":"https:\/\/www.legalindia.com\/news\/ncdrc-allows-shipping-firmss-insurance-claim-rs-1-93-cr","url_meta":{"origin":56276,"position":2},"title":"NCDRC allows shipping firms&#8217;s insurance claim of Rs 1.93 cr","author":"Legal India Admin","date":"March 26, 2017","format":false,"excerpt":"The apex consumer commission has directed an insurance company to pay over Rs 1.93 crore to a shipping firm for repair of one of its vessels which was damaged while sailing in bad weather. 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