Case Study: Insurance Claim Denied – Legal Victory for Widow & Children
📅 Filed: 2023 | Duration: 5 months | Status: Insurance Paid with Interest
Client: Mrs. Pushpa Devi (Name Changed)
Case Type: Insurance Claim Denial – Life Insurance
Jurisdiction: Consumer Disputes Redressal Commission, Nirmal | Representation to IRDAI
After the sudden death of her husband due to cardiac arrest, Mrs. Pushpa approached the insurance company for the insured amount. Despite the policy being active and premiums paid on time, the company rejected the claim, citing “non-disclosure of pre-existing medical condition” without clear basis.
Advocate Abdul Kaleem took up the matter, filing a formal complaint with the **IRDAI (Insurance Regulatory and Development Authority of India)** and simultaneously approaching the **Consumer Forum**. Legal notices were sent, evidence of full premium payments, policy terms, and medical records were submitted.
The court observed that there was no evidence that the deceased deliberately withheld medical information and ordered the insurance company to pay the insured amount along with 6% interest and ₹15,000 in compensation for mental harassment.
🔍 Key Legal Highlights:
- Complaint filed before IRDAI and District Consumer Forum
- Successfully countered allegation of “suppression of fact”
- Insurance payout released with interest and compensation
- Legal relief provided to widow and two minor children
✅ Tags: insurance claim denied India, widow life insurance dispute, IRDAI complaint advocate, Abdul Kaleem insurance lawyer, consumer court life claim, Telangana insurance dispute resolution
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