TOI reports that LIC has to pay the woman a total of Rs 1.34 lakh.
LIC was reprimanded by the Maharashtra State Consumer Disputes Redressal Commission said that it was extremely difficult to believe that the mandatory medical examination and the doctor’s examination of the insured person failed to assess and detect a prolonged ailment and symptoms of tuberculosis and HIV.
The husband of the complainant had taken Jivan Mitra (Triple Cover Endowment) from the insurance company and it was effective from March 10, 2004. On July 25, 2005, the man died of acute chronic renal failure. His widow then filed the claim. On May 20, 2006 LIC rejected the claim while alleging that while filling the proposal form the deceased had hidden the fact that he was suffering from HIV and TB. LIC said the diseases were recorded in the history submitted by the deceased when he was getting admitted to hospital.
Our view: LIC has a responsibility to screen bad claims as they act as a trust to policyholders’ money. So while it is true that LIC has to pull up on its own processes of getting quality medical reports, they also need to investigate early claims such as the one above.
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