Death Claim - Gbic.co.in

epudiate the liability under the Policy and to refund the premiums paid without interestas per conditions of the Policy Clause 4B was upheld.Ahmedabad Ombudsman CentreCase No. : 21-001-0250Mr. J M ParmarVsLife Insurance Corporation of IndiaAward Dated : 14-2-2007Repudiation of Claim under Life Insurance Policy by invoking Suicide Clause: It wasobserved that the Deceased died due to falling into a well on 16-7-2005 due tounknown reasons. Post Mortem Report opined cause of death as “Asphyxia due todrowning”. The Date of Commencement of risk under the Policy was 28-5-2005. Claimwas repudiated since the Suicide occurred within one year from the commencement ofrisk. The Respondent could not prove any document which stated the cause of Deathas Suicide. Since there was no direct or concrete hard evidence to prove the cause ofDeath, repudiation was set aside and the Respondent was directed to settle the Claim.Ahmedabad Ombudsman CentreCase No. : 21-002-0264Mrs. M P JainVsSBI Life Insurance Co. Ltd.Award Dated : 15-2-2007Repudiation of Claim under Life Insurance Policy: While filling up the Proposal forInsurance, the Assured had not mentioned the fact that he was hospitalised forIschaemic Heart Disease, High Blood Pressure and Diabetes three years prior to fillingup the Good Health Declaration in order to take the Insurance. The Assured died dueto a sudden Heart Attack, which had a direct nexus with the mis-statement within 25days of taking the Insurance Policy. The non-disclosure being established to have beenmaterial, the decision of the Respondent to repudiate the Claim was upheld.Ahmedabad Ombudsman CentreCase No. : 21-012-0270Smt. P R BatungeVsMetLife Insurance Co. Ltd.Award Dated : 28-2-2007Repudiation of Death Claim: The Death Claim was repudiated on the ground ofmisstatement of Educational Qualifications and Employment of the Deceased. Whilefilling the Proposal Form, the Life Assured had mentioned that he had passed B.Com.and that he was working with Khodiyar Music with nature of duties as ‘Administration &Music’. During the course of submissions and in the Hearing too, the widow of theDeceased confirmed that the deceased had studied upto 9 th Standard only. Again itwas found that the deceased was not in full time employment. He was only a freelancerrather than a whole time employee and would play Band and be paid on per programmebasis. The contradictions being proved, the alleged misstatement got established it