Insurance claim -- Repudiation - On the ground that policy lapsed - The premium due on 28.9.2003 was not paid by the insured even within grace period of 30 days and for that reason the policy lapsed on 28.10.2003 - On 17.11.2003 the life assured died at about 11.00A.M. due to heart attack when he was on his official duty in PWD whereas the due premium was paid at 12.37..........
Medi Claim Policy -- Insurance claim - Repudiation - Exclusion clause - Ground that claim made only five days after the medi-claim policy was taken whereas per exclusion of the Insurance policy any medical treatment/hospitalization claim made within 30 days of the commencement of the policy is not maintainable - Held that the exclusion clause will not apply if a panel of..........
Consumer Protection Act, 1986, Section 2(1)(g) -- Insurance claim - Discharge voucher - Full and final payment - Not disputed that the complainant has received a sum of Rs.56,76,981/- by signing a discharge which unambiguously recorded that payment being made to the complainant was full and final discharge of his claim under the said policy - Complainant made no..........
Insurance claim -- Repudiation - Accident benefit - Heat stroke - Death due to heat stroke not proved - Primary cause of death was refractory hyperkalemia leading to cardiac arrest which was not due to heat stroke - There is no ambiguity in what constitute an accident under the policy and heat stroke is clearly not covered under it - The respondent held justified in..........
Insurance claim -- Repudiation - Accident benefit - Heat stroke - Death due to heat stroke not proved - Primary cause of death was refractory hyperkalemia leading to cardiac arrest which was not due to heat stroke - There is no ambiguity in what constitute an accident under the policy and heat stroke is clearly not covered under it - The respondent held justified in..........
Insurance claim -- Repudiation - Accident benefit - Heat stroke - Death due to heat stroke not proved - Primary cause of death was refractory hyperkalemia leading to cardiac arrest which was not due to heat stroke - There is no ambiguity in what constitute an accident under the policy and heat stroke is clearly not covered under it - The respondent held justified in..........
Consumer Protection Act, 1986, Section 2(1)(g), 14(1)(d) -- Motor Vehicles Act, 1988, Section 3(1) - Insurance claim - Repudiation - Driving licence not valid - Vehicle in question continued to be registered as a transport vehicle i.e., a Taxi for which a specific authorized license was statutory necessity - Occasionally using it for personal purpose cannot change these..........
Banking service -- Vehicle loan - Insurance claim - Repudiation - On the ground that there was no insurance coverage for the tractor as on the date of accident - Bank had debited the amount of premium in the loan account of the complainant as early as December, 1995 but not sent to Insurance Company - The accident took place on 28.2.1996 - Concurrent finding of Fora below..........
Insurance policy -- Construction of insurance policy - Insurance claim - Surveyor's report - Contention on behalf of Respondent relying on the general insurance document that the insurance policy covered only plant, machinery and raw-material under the heading `subject matter of insurance' repelled - The document cannot be read in isolation because in the detailed fire..........
Banking service -- Vehicle loan - Insurance claim - Repudiation On the ground that there was no insurance coverage for the tractor as on the date of accident - Bank had debited the amount of premium in the loan account of the complainant as early as December, 1995 but not sent to Insurance Company - The accident took place on 28.02.1996 - Concurrent finding of Fora below..........
