Suppression of key facts can lead to claim rejection

The National Commission concluded the claim had been rightly rejected on grounds of misrepresentation in the proposal form and breach of duty to maintain good faith

Jaswinder Singh had taken a Reliance Life Long Savings Policy from Reliance Nippon Life Insurance in March 2018 with a basic sum assured of Rs 16,94,504. He paid a premium of Rs 39,999. The coverage was for a period of 25 years. His wife, Manjeet Kaur, was named as the nominee.

Jaswinder died on July 20, 2018, within a few months of having taken the policy. Manjeet Kaur lodged a claim along with all the required documents. The insurer rejected the claim on April 20, 2019.

Manjeet Kaur challenged the rejection by filing a consumer complaint before the Ferozepur District