Can't Repudiate Claim For Undisclosed Medical Condition Discovered Later, Bangalore District Commission Holds HDFC ERGO Health Insurance Liable

The Bangalore District Consumer Disputes Redressal Commission ruled against HDFC Ergo Health Insurance for repudiating a claim due to an undisclosed medical condition. The Commission emphasized the insurer's duty to prove that the condition was pre-existing and intentionally concealed by the policyholder. They found insufficient evidence of intentional concealment and directed HDFC Ergo to settle the claim with interest and compensation for mental agony. This case highlights consumer rights in insurance disputes and the burden of proof on insurers regarding pre-existing conditions.