SupremeToday Landscape Ad
Back
Next
Judicial Analysis Court Copy Headnote Facts Arguments Court observation
Listen Article Pause Article
judgment-img

2015 Supreme(Ker) 1319

IN THE HIGH COURT OF KERALA
K. Harilal, J.
Nandini Jayarajan - Appellant
Vs.
Insurance Ombudsman - Respondent
W.P.(C) No. 3689 of 2012
Decided On : 02-11-2015

Advocates:
Advocate Appeared:
For the Appellant : C.S. Ajith Prakash, Vilasini Nayak
For the Respondent: M. Gopikrishnan Nambiar, P. Gopinath, P. Benny Thomas, K. John Mathai, George Cheriyan

Headnote:

Redressal of Public Grievances Rules, 1998 - Rule 12 - Award - Power of Ombudsman - Whether the petitioner who has been granted an award by the Ombudsman, in exercise of the power under Rule 12 of the Insurance Ombudsman Rules, 1998, is entitled to get interest for the award - Held, Payment of interest may be considered to be part of compensation itself - Even in the absence of specific provision for granting interest, it is a matter left with the discretion of the courts or tribunals, as the case may be.

JUDGMENT :

K. Harilal, J.

1. The petitioner is the wife of late P.B. Jayarajan, a workman in the Bharath Petroleum Corporation Limited (BPCL). The petitioner's husband P.B. Jayarajan, died on 30.12.2005, was an employee of the BPCL and while working in Kochi Refinery and at the time of accident, he was working in the course of employment, in the Kochi Refinery. The late P.B. Jayarajan was an insured employee under a scheme of Insurance Policy, namely, Group Personal Accident Insurance Scheme (GPAI). Under the said Scheme, BPCL/Kochi Refinery used to pay the premium on his behalf to the respondent Insurance Company and in the event of death or bodily injury to any workman, while on duty, the Insurance Company will indemnify the company and pay the compensation amount to the injured/dependents of deceased workman. While so, the petitioner's husband died on 30.12.2005, while attending a Hydrogen Sulphide gas leakage in gas pipeline in sulphur recovery unit of the diesel hydro desulphurication Plant of Kochi Refinery. At about 10.15 a.m., while Jayarajan was tightening the bolts in the flange of the leaking pipe, he suddenly became unconscious and fell backwards on the platform. He was first taken to the Occupational Health Centre (OHC) of the refinery and then to Vijayakumaran Memorial Hospital, Tripunithura, where it was certified that he was brought in dead. The sad and sudden death of Jayarajan was immediately reported to the police and F.I.R. No. 218 of 2005 dated 30.12.2005 was registered on the basis of the First information Statement given by the informant. Thereafter, based on the postmortem findings, clinical findings and other corroborating circumstances, the final opinion of the cause of death was issued by the Police Surgeon, the Department of Forensic Medicine, Medical College, Allappuzha. The opinion as to the cause of death reads thus: 'There is no evidence of natural disease or violence to account for death. Possibility of death due to inhalation of poisonous gas cannot be ruled out".

2. The petitioner filed a claim under the Group Personal Accident Insurance Policy Scheme, to which his late husband was a beneficiary. But, the Insurance Company arbitrarily repudiated the claim on the ground that the chemical analysis of the deceased revealed that he was highly intoxicated at the time of accident, even though the reason for his death reported by the Police Surgeon and by investigating officer alike was due to inhalation of Hydrogen Sulphide, and there was no reference to alcohol consumption by the deceased. The 1st respondent also upheld the total repudiation of the claim.

3. Thereafter, the petitioner filed W.P.(C). No. 32243 of 2008 before this court, challenging the order dated 30.04.2008, rejecting the claim by the Ombudsman. This Court, after elaborate consideration of the matter in issue, quashed the order of the Ombudsman dated 30.04.2008 and directed to reconsider the complaint, after affording an opportunity to both parties to adduce evidence for and against, including the oral evidence of expert, etc., and to pass a fresh award.

4. In compliance of the said order, the Insurance Ombudsman reconsidered the matter and after trial, entered into the findings that there are clear violations of various Rules under the Kerala Chemico-Legal Examination Rules 1959, while conducting chemical examination and also declared that the repudiation of the claim is bad and unsustainable. Accordingly, the award was passed directing the respondent insurer to pay compensation of Rs. 9,45,300/- with cost of Rs. 5,000/- to the petitioner. The grievance of the petitioner is that even though the 1st respondent allowed her claim, no amount had been given, as interest for the delay of six years occurred, in the payment of insurance claim. According to the petitioner, the denial of interest is arbitrary and unreasonable and cannot be justified in view of the decision laid down by this Court and the Apex Court. Thus, this Writ Petition is










Click Here to Read the rest of this document

1
2
3
4
5
6
7
8
9
10
11
SupremeToday Portrait Ad
supreme today icon
whatsapp-icon Back to top