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INDER JIT SINGH
R. P. Verma – Appellant
Versus
National Insurance Company Limited – Respondent
ORDER
The present Revision Petition (RP) has been filed by the Petitioners against Respondents as detailed above, under section 21 (b) of Consumer Protection Act 1986, against the order dated 08.06.2015 of the State Consumer Disputes Redressal Commission, Punjab (hereinafter referred to as the ‘State Commission’), in First Appeal (FA) No. 915 of 2013 in which order dated 30.05.2013 of District Consumer Disputes Redressal Forum, Patiala (hereinafter referred to as District Forum) in Consumer Complaint (CC) No. 404 of 2012 was challenged, inter alia praying for setting aside the order dated 08.06.2015 of the State Commission.
2. While the Revision Petitioner No.1 and 2 (hereinafter also referred to as Complainant No.1 and 2) were Respondent No.1 and 2 respectively before the State Commission and Complainant No.1 and 2 before the District Forum and the Respondent No.1 and 3 (hereinafter also referred to as Opposite Party No. 1 and 3) were Opposite Party No. 1 and 3 respectively before the District Forum and Respondent No. 2 (hereinafter also referred to as Opposite Party No. 2) was Appellant before the State Commission and Opposite Party No. 2 before the District Forum.
3. Notice was
Insurance Policy must be read holistically so as to give effect to reasonable expectations of all parties including insured & beneficiaries.
There should be nexus with pre-existing disease & disease for which claim has been made.
(1) Insurance – A contract of insurance is one of utmost good faith. (2) Proposer – Proposer who seeks to obtain a policy of life insurance is duty bound to disclose all material facts bearing upon t....
Existence of Disease – There is no reason for the insurance company to connect the existence of diabetes with the disease for which treatment has been taken.
Contract of Insurance – A contract of insurance is one of utmost good faith. A proposer who seeks to obtain a policy of life insurance is duty bound to disclose all material facts bearing upon the is....
(1) Proof of delivery - In the absence of proof of delivery, therefore, Commission cannot rely solely on the Respondent’s statement before the District Commission that it had duly supplied the terms ....
Wrong Document – Petitioner/Insurance Company placed a wrong document before the District Forum and this Commission. Such an action is not expected from a public sector Insurance Company like the Pet....
Medically examined - insurance company has not submitted any such document of any such doctor, who has ever medically examined the insured and prescribed the medicine of diabetic disease during such ....
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