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2026 Supreme(Online)(Ker) 23244

IN THE HIGH COURT OF KERALA AT ERNAKULAM
ZIYAD RAHMAN A.A., J
THE UNITED INDIA INSURANCE CO.LTD. – Appellant
Versus
SARALA – Respondent


Advocates:
For the Appellants/Petitioners: SMT.P.A.REZIYA
For the Respondents: SRI.T.P.PRADEEP, SMT.K.S.SANTHI

Table of Content
1. claim arose from insurance policy related to an accidental death. (Para 1 , 2 , 3)
2. petitioner argued that suicide is the cause of death based on police findings. (Para 4 , 5)
3. court found the insurance company failed to establish the suicide claim. (Para 6)

JUDGMENT

The petitioner was the 4th respondent in O.P.No.70/2024 on the files of the Permanent Lok Adalat for Public Utility Services, Kozhikode. The original petition was submitted by the respondents 1 to 3 herein, being aggrieved by the repudiation of the claim made by them, seeking compensation for the death of the husband of the 1st respondent/father of the respondents 2 and 3. The claim was raised in connection with the death of Sri.Premraj, the husband of the 1st respondent and father of the respondents 2 and 3, in an accident that occurred on 12.11.2019, when he was hit by a train while he was crossing the rail track in front of the West Hill Railway Station. Even though a claim was raised before the petitioner, based on the Group Personal Accident Insurance Policy issued by the petitioner and the 6th respondent, it was repudiated by the petitioner and the 6th respondent on the ground that, the deceas

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