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2026 Supreme(Online)(Ker) 7171

IN THE HIGH COURT OF KERALA AT ERNAKULAM
S.MANU, J
THE NEW INDIA ASSURANCE CO.LTD. – Appellant
Versus
SUVARNA.G – Respondent
MFA (ECC) NO. 3 OF 2025 | ECC NO.66 OF 2022



Advocates:
For the Appellants/Petitioners: SRI.GEORGE A.CHERIAN, SMT.ARATHI PRABHAKARAN, SRI.GEORGE CHERIAN (SR.)
For the Respondents: SRI.S.JIJI, SMT.M.M.BABY

The court confirmed that a work-related heart attack constitutes an accident under the Employees Compensation Act if stress from employment contributed to the health condition, validating claims for compensation in such scenarios.

Headnote:(A) Employees Compensation Act - Section 3 - Compensation for death in the course of employment - Deceased was a Conductor for 15 years, suffered a heart attack shortly after being treated for chest pain while on duty - Insurer contests the award of compensation arguing natural causes - Commissioner found that the death arose out of employment due to stress and strain during service - Liable for compensation of Rs.9,07,875/- with interest from the date of the accident. (Paras 5, 31, 24).

(B) Employment relationship - The court emphasized that the employment must present extraordinary circumstances contributing to stress leading to medical conditions resulting in death. (Paras 22, 23, 28).

(C) Legal principles regarding causal connections in employment-related health issues reiterated with emphasis on evidence of stress and strain. (Paras 26, 30).

Facts of the case:
Respondents sought compensation for the death of late Ganesh, an employee of the 3rd respondent, under the claim that heart disease caused by work stress led to his death. The employer denied responsibility, but the Commissioner upheld the claim citing the causal link (Para 2).

Findings of Court:
The deceased’s heart disease manifested during employment, justifying compensation (Para 31).

Issues: The court addressed whether the Commissioner rightly held the affliction and consequent death were employment-related (Para 8).

Ratio Decidendi: The decision defined 'accident' under the Act in the context of unexpected events, emphasizing the burden on the claimant to establish a link between employment and health issues (Paras 16, 24).

Result: Appeal dismissed; compensation award upheld.

Table of Content
1. employment and death circumstances. (Para 1 , 2)
2. arguments on causation and responsibilities. (Para 3 , 6 , 7)
3. commissioner’s findings and interim orders. (Para 4 , 5)
4. legal questions raised in appeal. (Para 8 , 12)
5. cited judgments' principles on causation. (Para 9 , 10)
6. established legal standards and interpretations. (Para 11 , 13 , 14)
7. analysis of evidence and conclusions drawn. (Para 15 , 22 , 23 , 24)

JUDGMENT

Appellant is the second opposite party in ECC No.66 of

2022 on the files of the Employees Compensation Commissioner, Kozhikode. The respondents 1 and 2 approached the Commissioner seeking compensation for the death of late Ganesh, who was employed as a Conductor in a bus owned by the 3rd respondent.

2. According to respondents 1 and 2 the deceased was employed as a Conductor under the 3rd respondent for about 15 years. On 13.10.2021 he joined duty at about 7.30 a.m. and when the bus reached Kasaragod bus stand at about 10.30 a.m., he felt sustained chest pain and was admitted at KIMS Sunrise Hospital, Kasaragod. He was diagnosed with congestive heart failure and pulmonary edema. He was discharged after treatment on 16.10.2021 and was advised to take complete bed rest for two months. However, on 21.10.2021 he suffered heart attack and was immediately taken to the hospital. But he was declared brought dead. They contended that the deceased sustained heart disease due to stress and strain during the course of his employment. Hence, they contended that the death was an accident happened during the course of employment on account of the stress and strain due to the employment.

3. The 3rd respondent, employer did not appear before the Commissioner and was set ex parte. The appellant entered appearance and filed written statement. Insurance coverage was admitted but employer-employee relationship and the accident were denied. The appellant contended that the deceased died due to heart attack in natural course and that the death did not occur during the course of employment. Therefore, they contended that the respondents 1 and 2 were not entitled for compensation under the Employees Compensation Act .

4. The learned Commissioner framed four issues for consideration on the basis of pleadings. The 1st respondent was examined as AW1 and the driver of the bus was examined as AW2. The doctor who treated the deceased was examined as AW3. Exts.A1 to A13 were marked on the side of the applicants. No evidence was adduced by the opposite parties.

5. The learned Commissioner, on conclusion of trial, appreciated the evidence and concluded that the deceased was an employee as defined under Section 2 (1)(dd) of the Employees Compensation Act and the accident on 13.10.2021 and consequential death on 21.10.2021 were out of and during the course of his employment. The Commissioner held that the respondents 1 and 2 are entitled to a compensation of Rs.9,07,875/- with simple interest at the rate of 12% from 21.10.2021 till deposit. An amount of Rs.15,000/- was granted towards funeral expenses and Rs.15,842/- was granted towards treatment expenses. The appellant being the insurer of the vehicle at the time of accident, was held liable to indemnify the owner and to make the payment.

6. Assailing the impugned order, the learned Senior Counsel for the appellant submitted that the conclusions of the Commissioner are erroneous. The learned Senior Counsel submitted that there is no evidence regarding any extra ordinary circumstances leading to stress and strain on 13.10.2021. The deceased was discharging normal duties attached to the employment on that day. He felt chest pain and was admitted to a hospital. He was diagnosed with congestive heart disease and pulmonary edema. Those conditions were naturally developed and cannot be attributed to stress and strain of the employment. The deceased was treated and discharged from the hospital. After some days he suffered heart attack and died. He was not on duty after 13.10.2021. The

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