As per case facts, an insurance company repudiated a death claim, alleging the deceased insured concealed prior cancer. The nominee filed a complaint, and consumer forums found no proof of ... pre-existing disease. The National Commission upheld these rulings, citing the investigator's report's lack of verifiable medical records. The Petitioners appealed to the High Court, challenging the NCDRC's order, arguing active concealment. The question arose whether the insurer had discharged its burden of proving the deceased suppressed material medical facts. Finally, the High Court found no error in the lower orders, reiterating that the burden of proof to establish exclusion lies with the insurer, which they failed to meet, and dismissed the writ petition.