Pramod Kumar v. HDFC Standard Life Insurance Company Ltd.

Judicial Analysis Court Copy Headnote Facts Arguments Court observation

2023 Supreme(Online)(Del) 18292

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION, NEW DELHI
Not mentioned, Not mentioned
Pramod Kumar v. HDFC Standard Life Insurance Company Ltd.

Advocates:
For the Appellants/Petitioners: Mr. Mohit Beniwal
For the Respondents: Mr. Joydip Bhattacharya

Table of Content
1. insurance claim denial based on alleged misinformation. (Para 1 , 2 , 3)
2. arguments regarding claimant's representations and insurer's response. (Para 4 , 5)
3. court's conclusion on justifiability of claim repudiation. (Para 6)

1. Heard Mr. Mohit Beniwal, Advocate, for the complainant and Mr. Joydip Bhattacharya, Advocate, for the opposite party.

2. Pramod Kumar has filed above complaint for directing the opposite party to (i) pay insurance claim of Rs. 1 crore with interest @18% per annum from the date of claim till the date of payment; (ii) pay Rs. 5 lakh, for deficiency in service; (iii) pay Rs. 10 lakh, for mental agonyand harassment; (iv) pay Rs. 75,000, towards litigation costs; and (v) any other relief which isdeemed fit and proper in the facts of the case.

3. The complainant stated that he was the brother and nominee of the deceased life insured Pradip Kumar, who had obtained Life Insurance Policy No. 16957808, dated 14.7.2014 from the opposite party, valid for 30 years. Pradip Kumar was admitted in Jeevan Nursing Home due to chest pain on 21.7.2015 around 22:00 hours, where he died on 21.7.2015 at 23:00 hours.Premium of the policy was due on 4.8.2015, whic

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