In­sur­ance firm told to pay ` 3 lakh to widow

Hindustan Times ST (Mumbai) - HT Navi Mumbai Live - - NAVI MUMBAI - Press Trust of In­dia ht­for­nav­i­mum­bai@hin­dus­tan­times.com

THANE: A con­sumer court has di­rected an in­sur­ance com­pany to pay Rs3 lakh as claim amount to a woman fol­low­ing the death of her hus­band be­cause of ill­ness.

In her com­plaint, the woman, Mamta Prakash Gandhi, in­formed the Thane District Con­sumer Re­dres­sal Fo­rum that her late hus­band Prakash Gandhi had taken two poli­cies from Ba­jaj Al­lianz Life In­sur­ance Com­pany worth Rs3 lakh in 2006.

Dur­ing his treat­ment at a Thane hos­pi­tal, he died on Oc­to­ber 19, 2008, fol­low­ing which, she lodged a claim for Rs3 lakh with the in­surer.

The in­sur­ance firm re­jected the claim, say­ing that the de­ceased had liver cir­rho­sis since seven years prior to his death; that he had hid­den this fact from the com­pany while tak­ing in­sur­ance in 2006.

The de­ceased’s fam­ily doc­tor is­sued a cer­tifi­cate in Oc­to­ber 2008 af­ter Gandhi’s death, stat­ing that the de­ceased suf­fered from di­a­betes from Fe­bru­ary 2008, and liver cir­rho­sis from March 2008.

Also, the in­surer stood on its ar­gu­ment that the de­ceased had the dis­ease for seven years be­fore his death and that its state­ment was based on the cer­tifi­cates is­sued by the fam­ily doc­tor of the de­ceased.

How­ever, fo­rum pres­i­dent Sneha Mha­tre and mem­bers Madhuri Vish­warupe and ND Kadam re­fused to ac­cept the re­join­der along with the cer­tifi­cate, pur­ported to have been is­sued by fam­ily doc­tor of the de­ceased, as it was nei­ther on his let­ter head nor on the let­ter of the Jupiter Hos­pi­tal.

Also there was no af­fi­davit along with it, the fo­rum noted.

It also ob­served that the in­sur­ance com­pany had not sub­mit­ted cer­tifi­cate from any doc­tor other than the fam­ily doc­tor of the de­ceased, which also de­feats the ar­gu­ment put forth by the in­surer.

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