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Articles for Insured

Mere Suppression Of Taking Treatment Or Obtaining Medical Leave Not Reason To Deny Entire Life Insurance Claim: Madras High Court
2 days, 4 hours ago

Mere Suppression Of Taking Treatment Or Obtaining Medical Leave Not Reason To Deny Entire Life Insurance Claim: Madras High Court

Live Law  

The Madras High Court recently observed that merely suppressing the fact of taking a treatment or obtaining medical leave could not be a ground to reject the entire life insurance claim. The court noted that the petitioner's husband had died due to a sudden cardiac arrest and thus she was entitled to the claim amount as per the policy. The …

Policy Life Court Her Husband Husband Claim Medical Leave
Farmers urged to use Krishi Rakshak app to report crop loss
2 weeks, 5 days ago

Farmers urged to use Krishi Rakshak app to report crop loss

New Indian Express  

The unseasonal rainfall in the last couple of days in all coastal and some interior districts have caused considerable damage to harvested crops. The low pressure induced rains lashed Angul, Balasore, Bhadrak, Boudh, Cuttack, Dhenkanal, Deogarh, Gajapati, Ganjam, Jagatsinghpur, Jajpur, Kandhamal, Kendrapada, Keonjhar, Khurda, Koraput, Mayurbhanj, Nabarangpur, Nayagarh, Puri and Raygada districts, Patil said about 15 lakh farmers from these …

Loss Crop Crop Loss Krishi Rakshak Farmers Urged
Insured Cannot Assume Obligation On Part Of Bank To Renew Policy: NCDRC
3 weeks, 1 day ago

Insured Cannot Assume Obligation On Part Of Bank To Renew Policy: NCDRC

Live Law  

The National Consumer Disputes Redressal Commission, presided by AVM J. Rajendra overruled the State Commission's order against SBI and held that the insured cannot assume obligation on the bank's part to renew the policy unless agreed otherwise. The loan terms required the stock, machinery, and furniture to be insured with United India Insurance/insurer, with premiums deducted from the complainant's account. …

Insurance Bank State Commission Complainant Renew Insurer Policy
ESI | Medical Reimbursement Can't Be Denied Merely Because Insured Person Got Treated At Hospital Not Approved By Insurer: Kerala HC Reaffirms
3 weeks, 1 day ago

ESI | Medical Reimbursement Can't Be Denied Merely Because Insured Person Got Treated At Hospital Not Approved By Insurer: Kerala HC Reaffirms

Live Law  

The Kerala High Court on Thursday reiterated that medical reimbursement cannot be denied because an insured underwent treatment in a hospital not approved by the insurer. The petitioner sought reimbursement from the Employees State Insurance Corporation, since her husband had to undergo an emergency liver transplantation in a non ESIC hospital. Justice C S Dias ordered for reimbursement and held …

Emergency Court Hospital Transplantation Her Husband Insurer Liver
Should a 75-year-old port a health plan if coverage is low?
3 weeks, 2 days ago

Should a 75-year-old port a health plan if coverage is low?

Live Mint  

We are a 75-year-old couple holding a mediclaim policy of ₹4.5 lakh from a PSU insurer. The easiest option may be to ask your existing insurer to increase the sum insured in the same policy. However, if the policy carries any limits such as room rent or disease-wise limits, then it would be applicable for the increased sum assured as …

Health Policy Plan Lakh Sum Insurer
Entered Agreements With Doctors, Institutes To Give Medical Benefits To Insured Workers In Vadodara: ESI Corporation To Gujarat High Court
3 weeks, 2 days ago

Entered Agreements With Doctors, Institutes To Give Medical Benefits To Insured Workers In Vadodara: ESI Corporation To Gujarat High Court

Live Law  

While hearing a PIL for providing medical benefits to insured persons under the Employees' State Insurance Act including establishment of dispensaries in Vadodara immediately till adequate medical facilities are provided, the Gujarat High Court said that the ESI Corporation was examining the necessity and responsibility of reorganizing/relocating dispensaries. A division bench of Chief Justice Sunita Agarwal and Justice Pranav Trivedi …

Benefits Medical Court Gujarat Workers Corporation Insured
Insurance Policies Must Be Read Holistically: NCDRC Holds LIC Liable For Deficiency In Service
3 weeks, 3 days ago

Insurance Policies Must Be Read Holistically: NCDRC Holds LIC Liable For Deficiency In Service

Live Law  

The National Consumer Disputes Redressal Commission, presided by Justice A.P. Sahi and Dr. Inder Jit Singh held that insurance policies should be read inclusively to meet the reasonable expectations of the insured. Brief Facts of the Case The complainant's deceased son had a life insurance policy from Life Insurance Corporation/insurer. After examining the insurance policy clauses, it concluded that the …

Policy Insurance Commission Insurer Insurance Policies Lic
Violations Must Constitute Fundamental Breach To Deny Insurance Claim: NCDRC Holds Bharti General Insurance Liable For Deficiency In Service
3 weeks, 6 days ago

Violations Must Constitute Fundamental Breach To Deny Insurance Claim: NCDRC Holds Bharti General Insurance Liable For Deficiency In Service

Live Law  

The National Consumer Disputes Redressal Commission, presided by AVM J. Rajendra held that for an insurer to deny a legitimate claim, the violations alleged by them have to constitute a fundamental breach. Observations by the National Commission The National Commission observed that the central issue in this case was whether leaving the key in the vehicle was a fundamental breach …

Insurance Theft Commission Vehicle Insurer Key Claim
Bank's Role As Intermediary Does Not Create Privity Of Contract With Insured: NCDRC Holds Insurance Company Liable
4 weeks ago

Bank's Role As Intermediary Does Not Create Privity Of Contract With Insured: NCDRC Holds Insurance Company Liable

Live Law  

The National Consumer Disputes Redressal Commission, presided by Mr. Subhash Chandra and AVM J. Rajendra, in a petition by Sarva Haryana Gramin Bank held that a bank's role as an intermediary does not create a privity of contract with the insurer. Brief Facts of the Case Under the Prime Minister Fasal Bima Yojna, Sarva Haryana Gramin Bank was responsible for …

Insurance National Bank Company Crop Premium Commission
Mistakes people make when porting a health insurance policy
4 weeks, 2 days ago

Mistakes people make when porting a health insurance policy

Live Mint  

NEW DELHI : The renewal of your existing health plan is just around the corner, and you've started receiving calls to port your policy. Let's say your previous policy, for which you exhausted all waiting periods, had a base sum insured of ₹10 lakh and nil no-claim bonus. In the same example, if the policyholder had ₹10 lakh no-claim bonus …

Health Policy Insurance Port Period Base Batra
No Accident Claim Can Be Granted Where Deceased Insured Person Was Not Holding Valid Driving License: Uttarakhand State Commission
1 month ago

No Accident Claim Can Be Granted Where Deceased Insured Person Was Not Holding Valid Driving License: Uttarakhand State Commission

Live Law  

The Uttarakhand State Disputes Redressal Commission has held that no insurance claim for accident can be granted where the person was not holding a valid driver's license. A bench of Judicial member MK Singhal and Member CM Singh has upheld the denial of claim by National India Assurance Co. ltd. as the deceased insured was having only a learning license …

Insurance Accident Vehicle Complainant Son Person License
Forcing Insured Person To Accept A Claim Less Than The Insured Value Amounts To Unfair Trade Practice: Chandigarh District Commission
1 month, 1 week ago

Forcing Insured Person To Accept A Claim Less Than The Insured Value Amounts To Unfair Trade Practice: Chandigarh District Commission

Live Law  

The Chandigarh District Consumer Disputes Redressal Commission has held that forcing the complainant insured person to accept only Rs.16,50,000 as full and final settlement as against the insured value of Rs. 22,00,000 would constitute unfair trade practice by New India Assurance Co. ltd. The Insurance Company argued that no case is made out for deficiency in service and unfair trade …

Insurance Trade Company Value Practice Complainant Insured
Rejection Of Insurance Claim Valid If Insured Does Not Follow Policy Terms: Delhi State Commission Reject Claims Of Deficiency Against National Insurance
1 month, 1 week ago

Rejection Of Insurance Claim Valid If Insured Does Not Follow Policy Terms: Delhi State Commission Reject Claims Of Deficiency Against National Insurance

Live Law  

The Delhi State Commission, presided by Justice Sangita Dhingra Sehgal And Ms. Pinki held that the insurer can reject the insurance claim if the insured has not complied with the policy terms stated. Her son later approached the insurer to request a name change on the policy but was told to first update the vehicle's ownership with the RTO. According …

Policy Insurance Death State Commission Complainant Insurer
Adding a Driver to Your Car Insurance: What You Need to Know
1 month, 1 week ago

Adding a Driver to Your Car Insurance: What You Need to Know

New Indian Express  

You don't need to purchase a separate cover to ensure that your hired driver has financial coverage in the event of an accident. You must invest in a driver and passenger add-on cover to include passengers in your car insurance. Driver and passenger cover is an add-on you can purchase to supplement your standard car insurance online policy. Exclusions Regarding …

Car Driver Passenger Car Insurance Cover Incident
Denial Of Insurance Claim Is Justified In Case Of Breach Of Insurance Contract By The Insured Person: Delhi State Commission
1 month, 1 week ago

Denial Of Insurance Claim Is Justified In Case Of Breach Of Insurance Contract By The Insured Person: Delhi State Commission

Live Law  

Delhi State Consumer Disputes Redressal Commission ruled that denial of insurance claim by “United India Assurance Co. ltd.” is valid where the insured person violates the terms of insurance policy. A coram of President Sangita Dhingra Sehgal and Judicial member Pinki held that non-submission of requisite and essential documents,as per the terms of policy, by the Complainant for due assessment …

India Contract Policy Insurance Consumer Company Complainant
Signing Discharge Voucher Does Not Prevent Insured Parties From Pursuing Claims : NCDRC Holds Bajaj Allianz Insurance Liable For Deficiency In Service
1 month, 1 week ago

Signing Discharge Voucher Does Not Prevent Insured Parties From Pursuing Claims : NCDRC Holds Bajaj Allianz Insurance Liable For Deficiency In Service

Live Law  

The National Consumer Disputes Redressal Commission, presided by Justice Karuna Nand Bajpayee and Dr. Sadhna Shanker, held that the denial of an insurance claim merely on the basis that the insured signed discharge vouchers is arbitrary and amounts as deficiency in service. Observations by the National Commission The National Commission observed that the main issue was whether the insurance company …

Insurance Company Commission Complainant Insured
Health Insurance: What are restoration benefits and why do they matter?
1 month, 1 week ago

Health Insurance: What are restoration benefits and why do they matter?

Live Mint  

If you are planning to buy a health insurance policy for yourself or your family, apart from the regular check-lists of ‘must-have’ options, you should choose a plan that offers restoration benefits. Insurers now offer even unlimited restoration benefits wherein the sum insured is refilled each time it gets exhausted. “The restoration benefit in health insurance is a feature that …

Health Family Benefits Policy Restoration Health Insurance Sum
Galaxy health insurance offers extensive benefits for surrogacy and fertility treatments. Details here
1 month, 3 weeks ago

Galaxy health insurance offers extensive benefits for surrogacy and fertility treatments. Details here

Live Mint  

A comprehensive health insurance plan that covers the entire gamut of treatments is something that customers look forward to while buying a policy. Now, Galaxy Health Insurance Company, offers coverage for a whole host of treatments from surrogacy, oocyte donor expenses and organ transplantation—all under its ‘Galaxy Promise Signature’ plan. Here are some of the other features of the policy: …

Health Policy Insurance Treatment Surrogacy Health Insurance Lakh
Galaxy health insurance offers extensive benefits for surrogacy and fertility treatments. Details here
1 month, 3 weeks ago

Galaxy health insurance offers extensive benefits for surrogacy and fertility treatments. Details here

Live Mint  

Health Insurance: Galaxy Health Promise Signature Plan covers a host of treatments from surrogacy to oocyte donor expenses and organ transplantation. Now, Galaxy Health Insurance Company, offers coverage for a whole host of treatments from surrogacy, oocyte donor expenses and organ transplantation—all under its ‘Galaxy Promise Signature’ plan. Both the husband and wife should be covered under this policy for …

Health Policy Surrogacy Organ Transplantation Lakh Covered Sum
Modern health treatment procedures: How some insurers don't tell policyholders about exclusions and sub-limits
1 month, 3 weeks ago

Modern health treatment procedures: How some insurers don't tell policyholders about exclusions and sub-limits

Live Mint  

Insurance companies charge hefty premiums for health policies and often revise them upwards to adjust for medical inflation. In September 2019, the Insurance Regulatory and Development Authority of India had mandated that insurance policies must cover 12 modern treatments including balloon sinuplasty, oral chemotherapy, robotic surgery and stereotactic radiosurgery. "HDFC Ergo Optima Restore and Secure, Niva Bupa Aspire, Bajaj Allianz …

Health Policy Insurance Treatment Coverage Robotic Surgery Modern
Premium payment deadline looms, 92 per cent of samba paddy cultivation in Thanjavur yet to be insured
2 months ago

Premium payment deadline looms, 92 per cent of samba paddy cultivation in Thanjavur yet to be insured

New Indian Express  

THANJAVUR: The cut-off date for farmers to pay premium is hardly 10 days away but only about 8% of the acreage under which samba and thalady paddy cultivation has been undertaken in the district has been insured so far, official data revealed. While last year’s coverage under the Pradhan Mantri Fasal Bima Yojana stood at more than 90%, a section …

Insurance Farmers Premium
Insurance Company Must Pay Full Insured Amount, Relief From Government Irrelevant: High Court
2 months, 3 weeks ago

Insurance Company Must Pay Full Insured Amount, Relief From Government Irrelevant: High Court

Live Law  

The Jammu and Kashmir and Ladakh High Court has ruled that an insurance company cannot reduce the payout to a claimant based on ex gratia relief received from the government. The court emphasized that the insurance company is bound to pay the claim against the sum insured, regardless of any government relief received.

Government Law Insurance Cases Jammu
Star Health Special Care Gold Policy: From eligibility to benefits; all you need to know
3 months, 1 week ago

Star Health Special Care Gold Policy: From eligibility to benefits; all you need to know

Live Mint  

Health Insurance: Star Health Insurance introduces the Special Care Gold Policy for individuals with disabilities and HIV/AIDS, aligning with the 2016 Rights of Persons with Disabilities Act. Special Care Gold Policy by Star Health Insurance is a unique product designed specifically for individuals with disabilities and those who are HIV/AIDS positive. Waiting period - Star Health Special Care Gold policy …

Health Policy Medical Gold Disabilities Star Period
Married, insured and murdered: Lucknow police decode plot behind woman’s accident
3 months, 1 week ago

Married, insured and murdered: Lucknow police decode plot behind woman’s accident

Hindustan Times  

LUCKNOW The Lucknow police on Tuesday cracked a ‘murder for monetary gains’ case of May 2023 with the arrest of three people who allegedly staged a fatal accident of a 28-year-old woman of Chinhat locality here to acquire the insurance money and assets purchased in her name, said officials. The other three accused, including Pooja Yadav’s husband Abhishek, 32, father-in-law …

Murder Accident Lucknow Dcp Including Pooja Yadav