Case Summary: NCDRC upheld Gujarat State Commission’s order directing HDFC Life to pay ₹25 Lakhs with interest to a bereaved wife, ruling that the insurer’s allegations of hidden illness and BPL status were unproven.
In early 2017, a modest family from Merta City, Rajasthan, faced the sudden loss of their main earning member due to a heart attack. A ₹25 lakh life insurance policy from Bharti AXA was meant to provide security, but the company rejected the claim. What followed was a long legal battle, culminating in a landmark decision by the NCDRC in 2025.