Insurance claim has been denied to my relative on the ground that Insured did not disclose in the Medical Performa that he was suffering from Type-II /Diabetes Mellitus. Shortly, thereafter within months, the death of the Insured took place and the reason for death was diagnosed as ‘cardiac shock’. Will the legal heirs of deceased will succeed in getting insurance claim

The only reason to repudiate the insurance is that the insured did not disclose in the medical Performa that he was suffering from Type-II /Diabetes Mellitus.

As the cause of death is ‘cardiac shock’ and the death has not occurred due to the well-known factual conditions in diabetics, therefore the reputation of insurance contract is against law. The legal heirs of the insured will be entitled to the insurance claim.