NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION, NEW DELHI
C. Viswanath (Presiding Member)
Anita Sharma v. Iffco Tokio General Insurance Co. Ltd.
| Table of Content |
|---|
| 1. facts surrounding the insurance claim and its repudiation. (Para 1 , 2 , 3) |
| 2. arguments presented by both the appellant and respondents regarding the claim. (Para 4 , 5 , 6) |
| 3. court's application of the exclusion clause in the insurance policy. (Para 7) |
| 4. final ruling on the dismissal of the appeal. (Para 8) |
1. The present Appeal has been filed by the Appellant against the order dated 16.9.2014 of the Chhattisgarh State Consumer Disputes Redressal Commission, Pandri, Raipur (hereinafter referred to as "the State Commission") in CC No. 14/2006.
2. Case of the Complainant is that the Complainant had taken a housing loan from OP No. 2,with her husband as the co - borrower. Complainant took an Insurance Policy from OP No. 1 for personal accident benefit of Rs.34,00,000 and the Policy was valid upto 12.6.2028. The Policy also insured the aforesaid loan in case of death of the insured. The Complainant's husband, who was also the co - borrower died due to Naxalite attack on 25.5.2013. The matter was reported to the Police Station. As per the Complainant, in case of death of the Complainant or her husband, the insured amount was to be adjusted against the loan obtained by
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