5 hrs ago
Haryana Commission Orders Insurer to Pay Son Rs 5 Lakh
A man asked an insurance company for money after his mother died.
The company refused to pay, saying she had a health problem before getting the policy.
The man challenged that decision before a consumer commission in Panipat.
The commission said the company had not shown medical proof of the earlier illness.
It found that the claim should not have been rejected on that basis.
The company was ordered to pay Rs 5 lakh.
It must also pay Rs 11,000 for the distress caused and Rs 5,500 for legal costs.
The article does not state the year of the order.
A Panipat consumer commission directed a private life insurer to pay a man Rs 5 lakh.
The man’s mother had died, after which the insurer rejected his claim, allegedly citing a pre-existing illness.
The commission said the insurer had provided no medical documents proving the alleged previous illness.
It also ordered Rs 11,000 in compensation for harassment and mental agony.
The insurer was directed to pay Rs 5,500 in litigation expenses; the order was dated September 14.
- Who
- A man whose mother had died, and a private life insurer.
- What
- The Panipat District Consumer Disputes Redressal Commission ordered the insurer to pay Rs 5 lakh, plus compensation and litigation expenses.
- Where
- Panipat, Haryana.
- When
- The commission’s order was dated September 14; the year is not stated.
- Why
- The commission said the insurer had not provided medical proof to support its claim that the woman had a previous illness.
Insurer’s stated basis
Commission’s finding
Alleged previous illness
Insurer’s stated basis
The insurer argued that the woman had denied having a previous disease in the declaration form and that the claim was therefore not payable.
Commission’s finding
The commission said the insurer had submitted no documents proving that the woman had a previous disease when the policy was issued, and ruled that rejecting the claim was illegal.
Key facts
- Main payout
- Rs 5 lakh
- Compensation
- Rs 11,000 for harassment and mental agony
- Litigation expenses
- Rs 5,500
- Commission
- Panipat District Consumer Disputes Redressal Commission
- Order date
- September 14; year not stated
- Basis for ruling
- The insurer submitted no medical documents proving a previous illness at the time the policy was issued.
Quotes
Panipat District Consumer Disputes Redressal Commission
The commission that heard the son’s consumer complaint against the insurer.
“As the contention raised in the written statement is only that the complainant is not entitled because, in the declaration form, the complainant’s mother had denied any previous disease at the time of issuing the insurance policy but not even a single document has been placed on record by the respondents to prove that there was any previous disease at the time of issuing the insurance policy”
indianexpress.com
Sources
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