⚖️ NCDRC Orders HDFC Life to Pay ₹20 Lakh, Says Insurer Failed to Prove Misrepresentation

A Father’s Decade-Long Struggle for Justice

In a quiet corner of Uttar Pradesh, a father’s ordinary life was turned upside down when tragedy struck. His son, full of youthful promise, had just secured a life insurance policy — a decision meant to safeguard his family’s financial security. The policy, issued by HDFC Standard Life Insurance Company Ltd., promised a cover of ₹20 lakh. It was meant to be a protective shield, a safety net for the future.

But barely two months after the policy was issued, the son passed away. Instead of providing the financial support that the family needed most, the insurer rejected the claim, accusing the young man of misrepresentation. For the grieving father, this denial was not only a financial blow but also an emotional wound that deepened his loss.

After 8 Years of Struggle, Family Wins ₹25 Lakh Claim Battle Against Bharti AXA Life 💔⚖️ — Justice at Last! 💰

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.

Star Health’s Misleading Denial of Restoration Benefit Leaves Policyholder in Financial Distress 😣