Back
KUMKUM RANI, B. S. MANRAL
PNB Met Life India Insurance Company Limited – Appellant
Versus
Poonam Gambhir – Respondent
ORDER
Kumkum Rani, President.—This appeal under Section 41 of the Consumer Protection Act, 2019 has been preferred against the impugned judgment and order dated 29.10.2022 passed by the District Consumer Disputes Redressal Commission, Haridwar (in short “The District Commission”) in consumer complaint No. 186 of 2020; Smt. Poonam Gambhir Vs. Branch Manager, PNB MetLife India Insurance Company Limited and others, by which the consumer complaint was allowed and PNB MetLife Loan & Life Suraksha Certificate of Insurance (Level Cover) bearing Group Policy Holder – Punjab National Bank; Group Policy No. 00000653; Application No. 677131668; Certificate No. 22497445 and period of coverage as 10.03.2018 to 10.03.2026 issued by the appellants – insurance company, was cancelled, with a further direction to the appellants and respondent No. 2, who were opposite parties to the consumer complaint before the District Commission, to refund the premium amount of Rs.11,76,190.96/- deducted from the account of respondent No. 1 – complainant, together with interest @6% p.a. from 09.09.2020, i.e., the date of institution of the consumer complaint till payment, besides to pay Rs.10,000/- towards compens
Utilization of amount deducted exclusively for obtaining Home Safe Plus Merchant Policy, for other purpose without complainants’ consent or knowledge amounts to deficiency in service on part of bank.
Insurance – PNB Metlife Mera Term Plan Policy – Repudiation of death claim on the ground of misrepresentation of material facts by Deceased Life Insured is justified.
Pre-existing disease – life assured has deliberately concealed the true facts about his state of health and suppressed his pre-existing disease.
The key legal principle established was that the insurance cover could not commence without the acceptance of the application form by the insurance company, and the insurance company was liable to re....
An indispensable Tool for Legal Professionals, Endorsed by Various High Court and Judicial Officers
Please visit our Training & Support
Center or Contact Us for assistance
Scan Me!
India’s Legal research and Law Firm App, Download now!
For Daily Legal Updates, Join us on :
Back to top
