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DAYA CHAUDHARY, SIMARJOT KAUR, VISHAV KANT GARG
Branch Manager, PNB MetLife India Insurance Company Limited – Appellant
Versus
Reena – Respondent
JUDGMENT
Simarjot Kaur, Member—The Appellants/Opposite Parties No.1&2 have filed the present Appeal to challenge the impugned order dated 11.06.2024 passed by the District Consumer Disputes Redressal Commission, Ferozepur (in short, “the District Commission”), whereby the Complaint filed by the Complainant had been partly allowed.
2. It would be apposite to mention here that hereinafter the parties will be referred, as were arrayed before the District Commission.
3. Briefly, the facts of the case as made out by the Complainant in the Complaint filed before the District Commission are that the husband of complainant namely Patras purchased PNB Metlife Mera Term Plan policy No.23077022 dated 30.10.2019. The term for the policy was 20 years with sum assured of Rs.25 Lacs. The online payment of Insurance premium was paid by the husband of complainant to the opposite parties. This fact had also been mentioned in the policy term plan. Before issuance of the policy, all the medical tests with regard to the health of husband of complainant including TMT, ECG, X-ray Chest and blood samples were conducted by the opposite parties. Thereafter, the policy was issued to him (Ex.C-1). The said tes
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.
Insurance policy cancellation requires valid notice to the insured; mere assertion of cancellation without proof is insufficient.
Life Insurance Policy – Repudiation of death claim on the ground of suppression of material facts – Mere existence of past medical records is insufficient unless knowledge on part of insured is prove....
The nominee in an insurance policy can claim as a consumer even without direct contract; full disclosure of material facts is crucial in insurance underwriting.
Insurance—Repudiation of death claim on the ground of concealment of disease must be supported with reliable and cogent evidence.
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