Facts and issues involved [1] Employee went to USA for company work –Company covered his risks [2] Employee was required to be hospitalized for 55 days [3] Cashless was refused and company footed bill of  $328038 [4] In India- company and employee filed joint claim [5] Insurer repudiated the claim citing pre-existing diabetes condition which–it said — was not declared [6] National Commission rejected Insurer’s objection on the ground that company did not bring on record any material to prove that the employee had pre-existing diabetes [7] Apart from claim, — ₹50000 was awarded as litigation costs – Courtesy BS