Medindia LOGIN REGISTER
Medindia
Advertisement

Delhi Consumer Commission Clears Ambiguity About ‘accidental Death Benefits’

by Savitha C Muppala on December 3, 2008 at 12:46 PM
 Delhi Consumer Commission Clears Ambiguity About ‘accidental Death Benefits’

If a man dies of a heart attack after a road accident, can it be called  an accidental death?

This question was posed to The Delhi Consumer Commission by The Life Insurance Corporation (LIC) of India to have clarity while handling the case of Jagdish Lal, who died of a heart problem following a road accident in January 2004.

Advertisement

So, apart from insurance benefits, is the kin of Jagdish Lal entitled to payment under the clause 'accidental death benefits'?

The LIC argued that since Lal had died due to negligence of health, the insurance corporation was not liable to pay him the additional benefits. 

Justice J D Kapoor, President of The Delhi Consumer Commission has rejected the claim of the Life Insurance Corporation (LIC) of India, ruling that the insurance company is bound by rules to enable the family with additional cash benefits under 'accidental death benefits' clause. He explained that the interpretation of the technical clause must be tuned towards the consumer, lest it go against the consumer protection act.
Advertisement

"If any person meets with an accident, including vehicular accident, and if death occurs due to myocardial infraction consequent to a coronary artery disease, precipitated during vehicular accident, it amounts to accidental death. The insured is thus entitled to accident claim benefits," Justice Kapoor explained.

The commission held that since death was fuelled by the accident, the insurance company cannot afford to overlook the connection between 'mishap causing death' and as a result the kin of the victim must receive the additional benefits. 



Source: Medindia
SAV
Font : A-A+

Advertisement

Advertisement
Advertisement

Recommended Readings

Latest Health Insurance News

Medicare's Telehealth Cut Raises Patient Access Concerns
The Medicare Benefits Schedule Review Advisory Committee (MRAC) is seeking input on the recommendations as part of its broader review of Medicare-funded telehealth services.
How Crucial is Medicaid for Adults Living With Down Syndrome?
As a growing number of individuals with Down syndrome reach advanced ages, the Medicaid system should be prepared to deliver customized healthcare.
Health Insurance Gap: 25% of Low-Income Older Americans Uninsured
Discontinuities in health insurance coverage among older Americans, who experience a higher prevalence of health concerns compared to the broader population.
1 in 5 Medicare Recipients Travel Over 50 Miles for Neurologist Visits
The distance one must travel can pose a significant obstacle to healthcare access for people dealing with chronic neurological conditions.
The Visible Toll: Affordability Crisis in Health
Inability to afford better healthcare is apparent in the appearance of the malnourished poor, just as the obese reveal the "cost" of their health.
View All
This site uses cookies to deliver our services.By using our site, you acknowledge that you have read and understand our Cookie Policy, Privacy Policy, and our Terms of Use  Ok, Got it. Close
×

Delhi Consumer Commission Clears Ambiguity About ‘accidental Death Benefits’ Personalised Printable Document (PDF)

Please complete this form and we'll send you a personalised information that is requested

You may use this for your own reference or forward it to your friends.

Please use the information prudently. If you are not a medical doctor please remember to consult your healthcare provider as this information is not a substitute for professional advice.

Name *

Email Address *

Country *

Areas of Interests