Consumer Protection
Health Insurance Policy—Direction for renewal of health insurance policy was set aside by the National Commission—Appeal—Ground on which renewal of insurance policy to the appellant is sought to be refused is that while taking the initial policy, the appellant had failed to disclose that his wife (now deceased) was suffering from rheumatic heart disease—Repudiation of claim was set aside and order was accepted by the Insurance Company—Even the Insurance Company accepted the fact that non-mentioning of disease from which deceased wife of appellant suffered at the time of purchasing the policy was not material, as the death was caused from a different disease all together—Amount of premium charged by the Insurance Company for renewal of polices has not been refunded—Impugned order passed by National Commission is set aside and that of District Forum/State Forum regarding direction to the Insurance company to renew the policies are restored—Appeal allowed.
[Paras 25 to 29]
Health Insurance Policy—Reimbursement of expenses incurred on the treatment of deceased wife of appellant—Once there is a valid insurance policy available in favour of the appellant, the claim made by him for reimbursement of the expenses incurred is justifiable and deserves to be paid to him.
[Para 29]