Archive · 27 Jan 2026
Mumbai widow loses Rs 78 lakh claim due to hidden medical history
A woman in Mumbai tried to claim Rs 78 lakh from a life insurance policy after her husband passed away.
However, the insurance company rejected her claim because she didn't tell them about her husband's illness before buying the policy.
The court agreed with the insurance company, saying that people must be honest and share all important information when buying insurance.
The woman also asked for extra money for harassment and legal costs, but the court didn't give her that either.
This shows how important it is to be truthful when getting insurance.
The NCDRC rejected a widow's claim for Rs 78 lakh due to non-disclosure of her husband's medical history.
The court applied the 'utmost good faith' doctrine, requiring full disclosure of relevant facts when purchasing insurance.
The widow sought additional compensation for harassment and litigation costs, which were also denied.
The insurance policy was worth Rs 90 lakh, and the claim was rejected eight months after the husband's death.
The NCDRC found no deficiency in service or unfair trade practices by the insurance company.
- Who
- A Mumbai widow and the National Consumer Disputes Redressal Commission (NCDRC)
- What
- Rejection of a life insurance claim due to non-disclosure of medical history
- When
- The husband died eight months after purchasing the policy
- Where
- Mumbai, India
- Why
- The policyholder failed to disclose a prolonged illness, violating the 'utmost good faith' doctrine
- Claim Amount
- Rs 78 lakh
- Total Policy Amount
- Rs 90 lakh
- Requested Compensation
- Rs 15 lakh
- Requested Litigation Costs
- Rs 10 lakh
- Requested Interest Rate
- 18% per annum
- Doctrine Applied
- Uberrimae fidei (utmost good faith)
- Decision Body
- National Consumer Disputes Redressal Commission (NCDRC)