ZakCher@secularinc retweetledi

Ramesh Gupta died in 2019. Heart attack. 54 years old.
He had a ₹50 lakh term insurance policy. Premiums paid without a single default for 11 years.
His wife filed the death claim.
The insurance company said: "We need to investigate."
They investigated for 3 years. Kept asking for documents. She kept submitting. They kept asking for more.
She couldn't pay the home loan EMI. Sold the car. Borrowed from relatives.
In 2022, they finally rejected the claim. Said Ramesh had a pre-existing condition he "didn't disclose."
The condition: slightly high blood pressure. Noted in a routine checkup in 2015.
Never treated. Never medicated.
She went to IRDAI. Then consumer court.
The court said: A condition that was never treated and never affected his health cannot be used to reject a claim 11 years later.
₹50 lakh ordered paid. Plus 9% interest from 2019. Plus ₹1 lakh for mental harassment.
They made a widow wait 3 years. Then rejected her.
A court gave her everything back. With interest.
Save this post. If an insurance claim is rejected citing "non-disclosure" — fight it.
Courts have consistently ruled against insurers using minor, untreated conditions as grounds for rejection.
English









































