LIFE INSURANCE CORPORATION OF INDIA Vs. JASBIR KAUR
LAWS(PUNCDRC)-2010-4-4
PUNJAB STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Decided on April 08,2010

LIFE INSURANCE CORPORATION OF INDIA Appellant
VERSUS
JASBIR KAUR Respondents

JUDGEMENT

- (1.) THIS appeal has been filed by the appellant against the order dated 3.8.2004, whereby the complaint of respondent was accepted by the learned District Consumer Disputes Redressal Forum, Mansa (in short "District Forum") against the appellant.
(2.) BRIEF facts of the case are that Bhura Singh husband of Jasbir Kaur respondent had taken double accident benefit life insurance policy from the appellants for an amount of Rs.2 lacs. He met with an accident on 25.11.2002 and remained hospitalised from the date of accident till the date of his death i.e. 27.3.2003. As such he died an accidental death. The respondent being widow and nominee of her husband Bhura Singh filed the insurance claim. The appellants paid an amount of Rs.2,13,000/ - ( Rs.2 lacs being basic amount and First Appeal No.1141 of 2004 2 Rs.13,000/ - being interim bonus) to the respondent and repudiated the claim of accidental benefit of Rs.2 lacs.
(3.) ALLEGING deficiency in service on the part of appellants, the respondent filed complaint for double accident benefit insurance claim for accidental death of Bhura Singh husband of respondent. Compensation, interest and cost were also prayed. The appellants filed written reply. It was not denied that Bhura Singh had taken double accident life insurance. It was pleaded that respondent had failed to furnish necessary documents for consideration of accident benefit scheme despite repeated request by the appellants. It was further pleaded that respondent had accepted Rs.2,13,000/ - in full satisfaction of his claim. It was further pleaded that as per condition No.10.5 of the policy, the intimation of accident was to be given within 120 days, whereas the respondent intimated the death of life assured after 230 days and therefore, the respondent was not entitled to accident benefit. Hence dismissal of complaint was prayed.;


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