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STATE CONSUMER DISPUTES REDRESSAL COMMISSION
SUNITA YADAV, PRESIDENT, DR. SRIKANTH PANDEY, MEMBER
HDFC STANDARD LIFE INSURANCE COMPANY LIMITED – Appellant
Versus
SMT. RATNA MISHRA – Respondent
| Table of Content |
|---|
| 1. the case revolves around a repudiated insurance claim due to non-disclosure of material facts. (Para 2 , 3 , 4) |
| 2. arguments presented by the counsel reflect conflicting interpretations of the insurance contract. (Para 5 , 6) |
| 3. established that non-disclosure of the insured's prior health condition justified the insurer's repudiation. (Para 11 , 12 , 17) |
| 4. clarified the principles of utmost good faith and duty to disclose in insurance contracts. (Para 13 , 14 , 15) |
| 5. the appeal is allowed, setting aside the previous decision. (Para 18) |
HON'BLE MRS. JUSTICE SUNITA YADAV , PRESIDENT HON'BLE MR. DR.SRIKANTH PANDEY , MEMBER FOR THE APPELLANT:
HDFC STANDARD LIC FOR THE RESPONDENT:
SMT.RATNA MISHRA DATED: 03/06/2025
ORDER
M. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PLOT NO.76, ARERA HILLS, BHOPAL FIRST APPEAL NO. 719 OF 2016 (Arising out of order dated 13.10.2015 passed in C.C.No.239/2014 by District Commission, Khandwa)
1. HDFC STANDARD LIFE INSURANCE COMPANY LIMITED THROUGH BRANCH MANAGER, WAHE GURU PLAZA, KHADAKPURA, KHANDWA (M.P.)
2. HDFC STANDARD LIFE INSURANCE COMPANY LIMITED, THROUGH THE MANAGING DIRECTOR, HEAD OFFICE/REGD.OFFICE-RAMAN HOUSE, H.T.PAREKH MARG, 16
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