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T. G. SHIVASHANKARE GOWDA, DIVYASHREE M., LADY MEMBER
Manager, M/s TATA AIG General Insurance Co Ltd. – Appellant
Versus
Usha CN – Respondent
ORDER (ORAL)
T.G. Shivashankare Gowda, President.—This Appeal is filed U/S 4L of the Consumer Protection Act 2019, by the Opposite Party No.2 (in short OP) challenging the Order dated 05.0t.2024 passed in Consumer Complaint No.22/2022 by the District Consumer Disputes Redressal Commission, Hasssan (in short, the District Commission).
2. Appellant was the OP2 and Respondents were the Complainants before the District Commission. For the sake of convenience, the rank of the parties shall be referred to as per their respective status before the District Commission.
3. The brief facts of the case are that, one Sri Ramesh (in short, the deceased) is the Husband of the Complainant No.1 and Father of the Complainants No.2 & 3. The deceased owned Rupay Platinum Debit Card issued by OP1 - Indian Bank bearing No.6079 2219, 2600 0402. The said card covered the Insurance benefit for the accidental death to the tune of Rs.2 Lakhs. On 29.10.2021, the deceased while attending his duty, riding the motor cycle bearing Registration No.KA-13EG-6804 met with an accident and succumbed to death. Since he was holding the debit card from OPs and there is an Insurance coverage of Rs.2 Lakhs, Complainants hav
Insurance policy is a contract – An insurance policy is a contract, and both parties are strictly bound by its terms.
(1) Nominee - The complainant is the nominee of the deceased in the bank account and he has right to file the complaint.(2) Bank Account - All legal heirs of the deceased were not necessary to be add....
“Claim for insurance coverage as given to deceased as a part of benefits for owning a debit card cannot be repudiated.”
The central legal point established in the judgment is that the terms of an insurance cover must be effectively communicated to the insured party, and claim rejection based on non-fulfillment of mand....
(1) Fisherman - The job of a fisherman is not like a permanent job where he may not be allowed to work elsewhere when he is otherwise free.(2) Written Statement - Consumer fora has no jurisdiction an....
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