Kanwaljit Singh vs National Insurance Company Ltd.

The Supreme Court addressed the liability of the Insurance Company under the Family Mediclaim Policy, emphasizing that pre-existing diseases cannot be a blanket reason for claim repudiation. The Court held that the Insurance Company must honor the claim for the full sum insured of Rs.5,00,000/- as per the Family Mediclaim Policy, minus any amounts already paid. The ruling reinforced the principle that insurance contracts should be interpreted in favor of the insured, particularly in consumer protection contexts under the Consumer Protection Act, 1986.