Insurer Denied ₹20L Claim — She Fought Back & Won

Insurance companies sometimes reject life insurance claims by saying you hid a health condition. But courts say the insurer must prove you did it on purpose — not just that the condition existed. Know your rights before they deny your family's claim.

Here's what happened: A Delhi woman's ₹20 lakh life insurance claim was rejected by her insurer, citing non-disclosure of diabetes and kidney disease at the time of policy purchase.. The State Consumer Commission ruled in her favour, finding the insurer failed to prove the policyholder had deliberately concealed her medical conditions.. Under Indian insurance law, mere existence of an undisclosed condition is not enough — insurers must demonstrate willful, fraudulent intent to deny a valid claim..

What you should do: Disclose ALL known health conditions honestly in your proposal form — even controlled diabetes, BP, or past surgeries — to eliminate any future dispute.. If your claim is rejected for non-disclosure, file a complaint with the Insurance Ombudsman (free of cost) or State Consumer Commission — you don't need a lawyer.. Request a copy of your original proposal form and medical underwriting records from your insurer under the RTI or policy servicing rules before disputes arise..

Pro tip: After the 3-year 'contestability period' lapses on a life insurance policy, insurers legally cannot challenge a claim on grounds of non-disclosure — even if a condition was missed.