Insurance claim -- Repudiation - Ground that insured suppressed material facts regarding her health that she was chronic diabetic and chronic renal failure at the time of revival of her policy which lapsed several years ago - Bona fide repudiation of the claim by the respondent insurer cannot be held to be deficiency in service - District Forum held justified in holding so..........
Ex gratia -- Insurance claim - Repudiated - Policy lapsed due to non-payment of premium - Complainant not entitled to insurance claim - Direction to insurance company to consider the ex-gratia payment to the complainant or to take a sympathetic view of the claim of complainant on the following grounds:..........
Consumer Protection Act, 1986, Section 21 -- Insurance claim - Insured not heard of for a period of seven years - Cannot be presumed to be dead - Nor can it be assumed that presumed death had synchronized with date when he was reported to be missing or that date and time of death could be correlated to the point of time coinciding with the commencement of calculation of..........
Insurance claim -- Salary Savings Scheme - Repudiation of claim on the ground of non-payment of premium - Such repudiation without any prior intimation pointing out the insured person's failure to deposit the premium and without any intimation that the Policy had lapsed, cannot be sustained...........
Insurance policy -- Salary Saving Scheme - Policy lapsed due to non payment of premium - Employee did not report for duty and no salary drawn - Therefore, the employer could not deduct the premium from the salary - Afterwards premium paid - Held that merely payment of the premium in lump sum does not automatically revive the policy - No fault on the part of LIC in..........
Life Insurance policy -- Employer paying the premium after deducting it from the salary of employee - Employer did not pay premium in time and Policy lapsed - Insurance claim on death of insured not paid - Employer was the agent of the LIC - If there is any delay by the employer complainant cannot be made to suffer for that reason...........
Consumer Protection Act, 1986, Section 2(1),(g),&,21, Insurance Act, 1938, Section 54VB VBInsurance,Claim -- Denial on the ground that policy lapsed - Payment of premium after the death of insured will not receive the policy - Order of the state commission dismissing the complaint calls for no interference...........
Salary -- Postal Life Insurance Policy - Employer failed to deduct the premium from the salary of the employees - Policy lapsed - Fault is not on the part of insurer - Complainant held entitled to claim the insurance amount from the employer...........
Insurance claim -- Repudiation - Ground that policy stood lapsed since premiums for May and August were not paid during life time of insured - Stand of the complainant that the due premia stood paid on 21.9.1995, and the death of the policy holder having taken place on 22.9.1995, the policy had not lapsed - Report submitted and certificate given by Gram Pradhan saying that..........
Evidence Act, 1872, Section 108 -- Insurance claim - Insured disappeared from the house and could not be traced - Death of the insured can be deemed on the date when the dispute was brought before the District Forum - Premium was discontinued the day when the insured was disappeared - Policy lapsed for non-payment of the premium amount and it was not in operation when the..........
