8 hrs ago
Kurnool Consumer Commission Orders Insurer to Pay ₹50 Lakh Claim
A man had an insurance policy worth ₹50 lakh.
He died in a road accident while the policy was active.
His brother, who was named to receive the money, asked the insurer to pay the claim.
The insurer refused, saying there were concerns about the information provided and that some papers were missing.
The Kurnool Consumer Commission said the insurer did not prove that its reminders reached the brother.
It also found that the insurer had not shown that the missing police report made the claim invalid.
The Commission ordered the insurer to pay the full ₹50 lakh.
The Kurnool Consumer Commission ordered ICICI Lombard General Insurance to pay a ₹50 lakh claim to the deceased policyholder’s brother, who was the nominee.
The policy was issued on December 19, 2024, and was active when the insured died in a road accident on April 14, 2025.
ICICI Lombard rejected the claim, citing alleged misrepresentation and documents it said the nominee had not supplied.
The Commission found no proof that the insurer’s claimed reminders were sent or received, and said the insurer had not shown that the missing police report invalidated the claim.
It ruled that the insurer had not substantiated a valid basis for rejection and that its handling of the claim amounted to deficiency in service.
- Who
- ICICI Lombard General Insurance Company and the deceased policyholder’s brother, who was the nominee.
- What
- The Kurnool Consumer Commission ordered the insurer to pay the full ₹50 lakh insurance claim.
- Where
- Kurnool, Andhra Pradesh.
- When
- The policy was issued on December 19, 2024; the insured died on April 14, 2025; the insurer’s email rejecting the claim was dated June 28, 2025. The date of the Commission’s order is not stated.
- Why
- The Commission found that the insurer had not substantiated its alleged misrepresentation or proved that its requests for additional documents were received.
Insurer’s position
Commission’s findings
Alleged misrepresentation
Insurer’s position
ICICI Lombard said scrutiny of the claim documents revealed misrepresentation and that the claim fell outside the policy’s terms.
Commission’s findings
The Commission found that the insurer had not substantiated a valid policy-based ground for rejecting the claim.
Additional documents and reminders
Insurer’s position
The insurer said the nominee did not provide documents including the police final report, income-tax returns and a cancelled cheque despite repeated reminders.
Commission’s findings
The Commission found no dispatch or delivery evidence proving the reminders reached the nominee, and said the insurer had not shown that the missing police report invalidated the claim.
Key facts
- Insurer
- ICICI Lombard General Insurance Company
- Commission
- Kurnool Consumer Commission
- Sum assured
- ₹50 lakh
- Policy period
- December 19, 2024 to December 18, 2025
- Premium paid
- ₹4,767
- Date of death
- April 14, 2025
- Nominee
- The insured’s brother
Sources
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