Insurance Law
Insurance Claim Repudiation
An insurer's formal rejection of a claim, usually citing a specific policy exclusion, non-disclosure, or breach of policy terms by the insured.
When an insurer repudiates a claim, it must generally provide reasons, which the policyholder can challenge — before the insurance ombudsman for smaller claims, or before a Consumer Commission or civil court for larger disputes — if they believe the rejection was unjustified.
Common grounds insurers cite include non-disclosure of material facts at the time of taking the policy, or the claim falling within a specifically excluded category.
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