{"id":1086,"date":"2022-01-10T17:35:45","date_gmt":"2022-01-10T12:05:45","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1086"},"modified":"2024-12-30T12:44:18","modified_gmt":"2024-12-30T07:14:18","slug":"insurers-cant-repudiate-claims-by-citing-existing-medical-conditions-sc-india","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/insurers-cant-repudiate-claims-by-citing-existing-medical-conditions-sc-india\/","title":{"rendered":"Insurers can\u2019t repudiate claims by citing existing medical conditions: SC India"},"content":{"rendered":"\r\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/p0r1CWtVJQ567Ebji9hgsPsp7n5-WMw9BkrYAZYvAXBM4ZE0ZLzNjn2Sfoc_xlmV6ABh5t5md0oe3UFOPg-JA2_9LXVQRab2yMFEuxGVjXgNC2pGJGrG7OXL51u1gMn4U_xKBhwi\" alt=\"\" \/><\/figure>\r\n\r\n\r\n\r\n<p><strong>\u201cInsurers can\u2019t repudiate claims by citing existing medical conditions: SC\u201d<\/strong><\/p>\r\n\r\n\r\n\r\n<p>The Supreme Court has ruled that once a policy has been granted, an insurer cannot reject a claim by using an existing medical condition that was declared by the insured in the proposal form. A court of justices led by Justices D Y Chandrachud and B V Nagarathna also stated that a proposer has a duty to disclose to the insurer all material information that comes to his knowledge. The proposer is assumed to be fully aware of the facts and circumstances surrounding the proposed insurance.<\/p>\r\n\r\n\r\n\r\n<p>While the proposer can only reveal what he knows, his obligation of disclosure is not limited to what he knows; it also includes material facts that come up in the ordinary course of business.<\/p>\r\n\r\n\r\n\r\n<p>&#8220;Once the policy has been issued after analyzing the insured&#8217;s medical condition, the insurer cannot deny the claim by claiming an existing medical condition that the insured stated in the proposal form and that condition has resulted in a particular risk for which the insured has made a claim.&#8221;<\/p>\r\n\r\n\r\n\r\n<p>It stated that the purpose of purchasing a mediclaim policy is to obtain indemnification in the event of an unexpected or impending disease or sickness that may occur overseas.<\/p>\r\n\r\n\r\n\r\n<p>&#8220;If the insured experiences a sudden sickness or ailment that is not expressly excluded under the policy,&#8221; the bench concluded, &#8220;the insurer is obligated to compensate the appellant for the expenses incurred thereunder.&#8221;<\/p>\r\n\r\n\r\n\r\n<p>Reference- The Print<\/p>\r\n\r\n\r\n\r\n<p>\u0938\u0941\u092a\u094d\u0930\u0940\u092e \u0915\u094b\u0930\u094d\u091f \u0928\u0947 \u092b\u0948\u0938\u0932\u093e \u0938\u0941\u0928\u093e\u092f\u093e \u0939\u0948 \u0915\u093f \u090f\u0915 \u092c\u093e\u0930 \u092a\u0949\u0932\u093f\u0938\u0940 \u092e\u093f\u0932 \u091c\u093e\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u090f\u0915 \u092c\u0940\u092e\u093e\u0915\u0930\u094d\u0924\u093e \u092e\u094c\u091c\u0942\u0926\u093e \u092e\u0947\u0921\u093f\u0915\u0932 \u0915\u0902\u0921\u0940\u0936\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0915\u093f\u0938\u0940 \u0915\u094d\u0932\u0947\u092e \u0915\u094b \u0905\u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u0947 \u092c\u0940\u092e\u093f\u0924 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u092a\u094b\u091c\u0932 \u092b\u0949\u0930\u094d\u092e \u092e\u0947\u0902 \u0918\u094b\u0937\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e\u0964 \u0928\u094d\u092f\u093e\u092f\u092e\u0942\u0930\u094d\u0924\u093f \u0921\u0940 \u0935\u093e\u0908 \u091a\u0902\u0926\u094d\u0930\u091a\u0942\u0921\u093c \u0914\u0930 \u0928\u094d\u092f\u093e\u092f\u092e\u0942\u0930\u094d\u0924\u093f \u092c\u0940 \u0935\u0940 \u0928\u093e\u0917\u0930\u0924\u094d\u0928\u093e \u0915\u0947 \u0928\u0947\u0924\u0943\u0924\u094d\u0935 \u0935\u093e\u0932\u0940 \u090f\u0915 \u0905\u0926\u093e\u0932\u0924 \u0928\u0947 \u092f\u0939 \u092d\u0940 \u0915\u0939\u093e \u0915\u093f \u090f\u0915 \u092a\u094d\u0930\u094b\u092a\u094b\u091c\u093c\u0930 \u0915\u093e \u0915\u0930\u094d\u0924\u0935\u094d\u092f \u0939\u0948 \u0915\u093f \u0935\u0939 \u092c\u0940\u092e\u093e\u0915\u0930\u094d\u0924\u093e \u0915\u094b \u0909\u0938\u0915\u0947 \u091c\u094d\u091e\u093e\u0928 \u092e\u0947\u0902 \u0906\u0928\u0947 \u0935\u093e\u0932\u0940 \u0938\u092d\u0940 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u093e \u0916\u0941\u0932\u093e\u0938\u093e \u0915\u0930\u0947\u0964 \u092a\u094d\u0930\u094b\u092a\u094b\u091c\u093c\u0930 \u0915\u094b \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935\u093f\u0924 \u092c\u0940\u092e\u093e \u0915\u0947 \u0906\u0938\u092a\u093e\u0938 \u0915\u0947 \u0924\u0925\u094d\u092f\u094b\u0902 \u0914\u0930 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0905\u0935\u0917\u0924 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\r\n\r\n\r\n\r\n<p>\u091c\u092c\u0915\u093f \u092a\u094d\u0930\u094b\u092a\u094b\u091c\u093c\u0930 \u0915\u0947\u0935\u0932 \u0935\u0939\u0940 \u092a\u094d\u0930\u0915\u091f \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948 \u091c\u094b \u0935\u0939 \u091c\u093e\u0928\u0924\u093e \u0939\u0948, \u0921\u093f\u0938\u094d\u0915\u094d\u0932\u094b\u0938\u0942\u0930\u0947 \u0915\u0940 \u0909\u0938\u0915\u0940 \u092c\u093e\u0927\u094d\u092f\u0924\u093e \u0915\u0947\u0935\u0932 \u0935\u0939\u0940 \u0924\u0915 \u0938\u0940\u092e\u093f\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948 \u091c\u094b \u0935\u0939 \u091c\u093e\u0928\u0924\u093e \u0939\u0948; \u0907\u0938\u092e\u0947\u0902 \u092d\u094c\u0924\u093f\u0915 \u0924\u0925\u094d\u092f \u092d\u0940 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902 \u091c\u094b \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0947 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0915\u094d\u0930\u092e \u092e\u0947\u0902 \u0938\u093e\u092e\u0928\u0947 \u0906\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\r\n\r\n\r\n\r\n<p>&#8220;\u090f\u0915 \u092c\u093e\u0930 \u091c\u092c \u092c\u0940\u092e\u093e\u0927\u093e\u0930\u0915 \u0915\u0940 \u091a\u093f\u0915\u093f\u0924\u094d\u0938\u093e \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u093e \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092a\u0949\u0932\u093f\u0938\u0940 \u091c\u093e\u0930\u0940 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948, \u0924\u094b \u092c\u0940\u092e\u093e\u0915\u0930\u094d\u0924\u093e \u092e\u094c\u091c\u0942\u0926\u093e \u091a\u093f\u0915\u093f\u0924\u094d\u0938\u093e \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u093e \u0926\u093e\u0935\u093e \u0915\u0930\u0915\u0947 \u0915\u094d\u0932\u0947\u092e \u0938\u0947 \u0907\u0928\u0915\u093e\u0930 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948 \u091c\u094b \u0915\u093f \u092c\u0940\u092e\u093e\u0927\u093e\u0930\u0915 \u0928\u0947 \u092a\u094d\u0930\u092a\u094b\u091c\u0932 \u092b\u0949\u0930\u094d\u092e \u092e\u0947\u0902 \u0915\u0939\u093e \u0939\u0948 \u0914\u0930 \u0909\u0938 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u092a\u0930\u093f\u0923\u093e\u092e\u0938\u094d\u0935\u0930\u0942\u092a \u090f\u0915 \u0935\u093f\u0936\u0947\u0937 \u091c\u094b\u0916\u093f\u092e \u0939\u0941\u0906 \u0939\u0948 \u091c\u093f\u0938\u0915\u0947 \u0932\u093f\u090f \u092c\u0940\u092e\u093e\u0927\u093e\u0930\u0915 \u0928\u0947 \u0915\u094d\u0932\u0947\u092e \u092b\u093e\u0907\u0932 \u0915\u093f\u092f\u093e \u0939\u0948\u0964&#8221;<\/p>\r\n\r\n\r\n\r\n<p>\u0907\u0938\u092e\u0947\u0902 \u0915\u0939\u093e \u0917\u092f\u093e \u0939\u0948 \u0915\u093f \u092e\u0947\u0921\u093f\u0915\u094d\u0932\u0947\u092e \u092a\u0949\u0932\u093f\u0938\u0940 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0915\u093f\u0938\u0940 \u0905\u092a\u094d\u0930\u0924\u094d\u092f\u093e\u0936\u093f\u0924 \u092f\u093e \u0906\u0938\u0928\u094d\u0928 \u092c\u0940\u092e\u093e\u0930\u0940 \u092f\u093e \u092c\u0940\u092e\u093e\u0930\u0940 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u092e\u0947\u0902 \u0915\u094d\u0937\u0924\u093f\u092a\u0942\u0930\u094d\u0924\u093f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u0939\u0948 \u091c\u094b \u0935\u093f\u0926\u0947\u0936\u094b\u0902 \u092e\u0947\u0902 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\r\n\r\n\r\n\r\n<p>&#8220;\u0905\u0917\u0930 \u092c\u0940\u092e\u093e\u0927\u093e\u0930\u0915 \u0905\u091a\u093e\u0928\u0915 \u092c\u0940\u092e\u093e\u0930\u0940 \u092f\u093e \u092c\u0940\u092e\u093e\u0930\u0940 \u0915\u093e \u0905\u0928\u0941\u092d\u0935 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u0947 \u092a\u0949\u0932\u093f\u0938\u0940 \u0915\u0947 \u0924\u0939\u0924 \u0938\u094d\u092a\u0937\u094d\u091f \u0930\u0942\u092a \u0938\u0947 \u092c\u093e\u0939\u0930 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948,&#8221; \u092c\u0947\u0902\u091a \u0928\u0947 \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937 \u0928\u093f\u0915\u093e\u0932\u093e, &#8220;\u092c\u0940\u092e\u093e\u0915\u0930\u094d\u0924\u093e \u0905\u092a\u0940\u0932\u0915\u0930\u094d\u0924\u093e \u0915\u094b \u0909\u0938\u0915\u0947 \u0924\u0939\u0924 \u0915\u093f\u090f \u0917\u090f \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0937\u0924\u093f\u092a\u0942\u0930\u094d\u0924\u093f \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092c\u093e\u0927\u094d\u092f \u0939\u0948\u0964&#8221;<\/p>\r\n\r\n\r\n\r\n<p>\u0938\u0902\u0926\u0930\u094d\u092d- \u0926 \u092a\u094d\u0930\u093f\u0902\u091f<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>\u201cInsurers can\u2019t repudiate claims by citing existing medical conditions: SC\u201d The Supreme Court has ruled that once a policy has been granted, an insurer cannot reject a claim by using an existing medical condition that was declared by the insured&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/insurers-cant-repudiate-claims-by-citing-existing-medical-conditions-sc-india\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":1088,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[3,2,18],"tags":[],"class_list":["post-1086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","category-insurance-misselling","category-life-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Supreme Court Ruling: Insurers Can&#039;t Deny Claims on Pre-Existing Conditions<\/title>\n<meta name=\"description\" content=\"The Supreme Court ruling ensures insurers cannot deny claims based on pre-existing conditions. 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