Court finding - NCDRC NCDRC Feb 4 2026 upheld Rs25L repudiation where May 27 2013 adenocarcinoma predated Oct 10 2013 proposal.
Context
Mirror image of Gambhir (5 policies allowed) - here May 27 record proved knowledge before proposal.
Implication
Non-disclosure is about existence before proposal, not severity. Authentication matters.
Action
Attach every consultation after Jan 2013, keep proposal photocopy.