PRAMJIT KAUR Vs. ORIENTAL INSURANCE COMPANY LTD

JUDGEMENT

(1.) Late Shri Jagmohan Singh, husband of the complainant No.1 and father of the complainants Nos.2 & 3 obtained two insurance policies from the opposite party-Oriental Insurance Co. Ltd.. Under the aforesaid policy the insurance company was to pay the insured amount to the nominees of the insured, in case he was to die in an accident. Late Shri Jagmohan Singh died on 13-08-2010. Alleging that he had died due to snake bite in the fields, a claim was submitted to the insurance company. The claim, however, came to be repudiated by the insurance company on the ground that (i) the intimation of the death was not given to them immediately and (ii) post mortem was not conducted on the dead body of the deceased. Being aggrieved from the rejection of the claim the complainants approached the concerned District Forum by way of a complaint seeking payment of the insured amount along with interest.

(2.) The complaint was resisted by the insurance company on the same ground on which the claim had been repudiated.

(3.) Vide its order dated 13-06-2013 the concerned District Forum directed the insurance company to pay a sum of Rs.5,50,000/- to the complainant along with interest on that amount at the rate of 9% per annum, Rs.25,000/- as compensation and Rs.10,000/- as cost of litigation.