Court finding - NCDRC NCDRC Feb 2 2026 dismissed Mumbai widow Rs78L hidden history.
Context
Three orders within 30 days show bench asking: did insurer produce dated record predating proposal? Feb 2 yes.
Implication
Rs78L not saved by sympathy. No-panel-exam excuse fails.
Action
Write date + hospital + reason in margin if consulted doctor in last 5 years.