LIFE INSURANCE CORPORATION OF INDIA vs MANISH GUPTA

The Supreme Court upheld the decision of the District Consumer Disputes Redressal Forum, affirming the award of Rs 2,21,990 to the respondent under the mediclaim policy, along with interest and compensation for mental harassment and litigation expenses. The Court found that the appellant's repudiation of the claim on the grounds of a pre-existing condition was unjustified, as the evidence did not conclusively establish that the respondent had prior knowledge of such a condition. The Court emphasized the insurer's obligation to prove the existence of a pre-existing condition to deny a claim under the policy.