NCDRC: Insurers Can Reject Policies If Material Facts Are Not Disclosed

Order Name: Indumati Vs. Senior Divisional Manager, Life Insurance Corporation Case No.: F.A. No. 206/2017 The National Consumer Disputes Redressal Commission (NCDRC), led by Mr. Subhash Chandra and Dr. Sadhna Shanker, has ruled that insurers have the right to reject policies if any significant information is not disclosed by the policyholder. This verdict is based…

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NCDRC: Proof of Unfair Trade Practices Requires Evidence of Misleading Statements or Representations

Order Name: Shankar Saran Vs. Chairman Apollo Hospitals Case No.: R.P. No. 1663/2022 The National Consumer Disputes Redressal Commission (NCDRC), led by Dr. Inder Jit Singh, recently made an important ruling about unfair trade practices. To prove such a practice, false and misleading statements or representations must be shown. Facts of the Case The complainant…

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Insurers Cannot Reject Claims Due to Policy Non-Transfer: NCDRC

Order Name: IFFCO Tokio General Insurance Company Ltd. vs. Harmanpreet Singh Case No.: R.P. No. 1195/2022 The National Consumer Disputes Redressal Commission (NCDRC), led by AVM J. Rajendra, has ruled that when a vehicle’s ownership changes, the insurance policy is automatically transferred as well. Therefore, the insurance company cannot reject a claim simply because the…

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NCDRC: Compensation Amount Must Reflect Individual Case Facts and Circumstances

Order Name: Manda Nirmala Kumari Vs. Senior State Medical Commissioner Case No.: F.A. No. 2515/2017 The National Consumer Disputes Redressal Commission (NCDRC), led by Dr. Inder Jit Singh, has made it clear that compensation and punitive damages vary based on the specifics of each case. Case Background The complainant, a nurse from Hyderabad and a…

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NCDRC Rules Cooperative Societies Qualify as Consumers Under Consumer Protection Act

Order Date: Not Specified Order Name: Jadar Group Coop. Jin Mill Limited Vs. Prakashchandra Suthar Case No.: F.A. No. 833/2015 The National Consumer Disputes Redressal Commission (NCDRC), led by Dr. Inder Jit Singh, recently made an important ruling. The commission emphasized that the primary intent behind a transaction should be considered when determining if it…

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NCDRC: Insurance Policy Can Be Nullified Due to Concealment of Information in Proposal Form

Order Name: Isnaka Devasenamma Vs. M/S. Max Life Insurance Company Limited Case No.: F.A. No. 664/2022 The National Consumer Disputes Redressal Commission, led by AVM J. Rajendra, has ruled that if a person hides important information when applying for an insurance policy, the insurer can choose to cancel the policy. Key Facts: Insurance Issuance: Max…

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