Insurer rejects claim over ‘concealed BP, diabetes’, widow secures Rs 15 lakh payout

The Punjab State Consumer Commission has ruled in favor of Mamta Gupta, granting her a life insurance claim of Rs 14.73 lakh after rejecting it by the insurer on claims of concealment of pre-existing illnesses. The commission upheld the interest, compensation and litigation costs as well. The insurer, Arun Gupta's group credit life insurance, had claimed Gupta concealed diabetes, hypertension and renal disease.

However, the commission found no reliable medical records to support these claims and noted that cardiac disease or renal failure can occur in individuals without these conditions.