Insurance firm told to pay ` 3 lakh to widow
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.