VIRUPAMMA Vs. BAJAJ ALLIANZ LIFE INSURANCE COMPANY LTD

JUDGEMENT

(1.) THIS complaint filed by Smt. Virupamma w/o. Late Doddappa against the OP Insurance Company seeking direction to the OP to pay sum assured amount of Rs. 26,00,000 along with death benefits in policy No. 0017017984 dated 27.4.2006 along with 12% interest thereon since September 2006 till realization to the complainant and to pay compensation amount of Rs. 1,00,000 towards mental harassment and agony suffered by the complainant and grant such other relief deems fit.

(2.) THE case of the complainant in brief is that she is an illiterate widow and legally wedded wife of Doddappa who insured his life

(3.) FURTHER case of the complainant is that in the first week of 2006 the insured i.e. complainant's husband felt illness due to fever and due to other problems like breathlessness. Therefore, he got admitted to Rajiv Gandhi Super Specialty Hospital, Raichur on 10.8.2006. In spite of treatment provided, he died on 15.8.2006 due to cardio respiratory failure. Accordingly it was intimated to the OP Insurance Company and claim was submitted to OP. In turn OP Insurance Company illegally repudiated the claim on the alleged ground of non -disclosure of material facts through letter dated 4.12.2006 (Annexure I) by intimating the complainant to write Claims Review Committee if not satisfied to their answer. Accordingly, complainant wrote a letter dated 4.12.2006 (Annexure J) to OP's Claims Review Committee. But in vain. Repudiation of the OP amounts to deficiency of service. Therefore, she filed a complaint along with an application under Section 24A of the CP Act to condone the delay if any in a precautionary measure.