SANDEEP KUMAR CHOURASIA vs DIVINL.MANAGER,NEW INDIA INSU.CO.LD.&ANR

The Supreme Court upheld the National Consumer Disputes Redressal Commission's decision rejecting the appellant's claim for compensation under the 'Janta Gramin Vyaktigat Durghatna Policy'. The Court found that the appellant's loss of vision was due to Phthisis Bulbi, a pre-existing condition, rather than the accidental fall, thus not covered by the insurance policy. The Court affirmed that the burden of proof lies on the claimant to establish that the injury falls within the policy's coverage.