Coimbatore: The district consumer disputes redressal commission has directed HDFC Life Insurance company to pay ₹31.62 lakh with interest to a city woman towards an insurance claim and a compensation of ₹25,000 for denying her claim after the demise of her husband.
According to an official source, G Surendrakumar, of Sundrapuram, had taken a business loan of ₹31.62 lakh from HDB Financial Services, which had an arrangement with HDFC Life Insurance firm to provide an insurance cover for the loan amount. “The insurance firm subsequently issued the policy under the Group Credit Protect Plus plan on March 6, 2019. Surendrakumar passed away on July 29 that year because of a cardiac problem.”
When his wife S Rajeshwari raised the insurance claim, the source said, the firm rejected the same. Rajeshwari then closed the loan on April 4, 2022.
She, however, approached the district consumer disputes redressal commission, stating that the rejection of her claim by the insurance firm was untenable.
In its order, commission president R Thangavel and members P Marimuthu and G Suguna said, “The complainant’s husband passed away within five months from the date of commencement of the policy. The reason provided by the insurance firm – that her hubby had a previous history of cardiac illness – for rejecting the claim is not sustainable.”
The commission then directed the insurance firm to settle the claim for ₹31.62 lakh to the complainant with 6% interest from the date of repudiation of the claim.
It also directed the firm to pay the woman a compensation of ₹25,000 towards mental agony she suffered and another ₹5,000 towards the cost of legal proceedings.
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