w w w . L a w y e r S e r v i c e s . i n



Laxmibai, Through Her L.Rs. & Others v/s Birla Sun Life Insurance Co. Ltd.


Company & Directors' Information:- BIRLA CORPORATION LIMITED [Active] CIN = L01132WB1919PLC003334

Company & Directors' Information:- O LIFE PRIVATE LIMITED [Active] CIN = U52399PN2013PTC146147

Company & Directors' Information:- SUN PVT LTD [Active] CIN = U24246RJ1984PTC003093

Company & Directors' Information:- G SUN INDIA PRIVATE LIMITED [Strike Off] CIN = U74899DL1995PTC071425

Company & Directors' Information:- I.N. INSURANCE COMPANY PRIVATE LIMITED [Strike Off] CIN = U67200DL1994PTC062554

    Revision Petition No. 497 of 2013

    Decided On, 12 April 2016

    At, National Consumer Disputes Redressal Commission NCDRC

    By, THE HONOURABLE MR. JUSTICE AJIT BHARIHOKE
    By, PRESIDING MEMBER & THE HONOURABLE MRS. REKHA GUPTA
    By, MEMBER

    For the Petitioners: Shashi Bhushan Adgaonkar, Advocate. For the Respondent: Neelsh Sinha, Alongwtih Rashi Gupta, Advocates.



Judgment Text

Ajit Bharihoke, Presiding Member

1. Husband of the petitioner, namely, Vishnu Das Sharma, purchased a life insurance policy from the opposite party insurance company. The insurance was effective with effect from March, 2003. During the currency of the insurance policy husband of the petitioner/complainant died on 27.4.2004. The petitioner, being widow of the late insured submitted, a life insurance claim. The respondent insurance company, however, repudiated the claim of two counts, namely, the deceased Vishnu Das Sharma had obtained the insurance policy by concealment of material facts and he also concealed that prior to taking of the subject insurance policy the deceased already had two policies with life insurance corporation. Being aggrieved of the repudiation of the claim the petitioner raised a consumer dispute by filing a consumer complaint in District Consumer Disputes Redressal Forum, Nanded.

2. The respondent/opposite party, on being served with the notice of the complaint, justified the repudiation of the claim on the plea that in the insurance proposal form the late insured had concealed the information that while applying for the insurance policy the deceased was already having two other insurance policies and he also concealed the material facts regarding his previous medical condition and as such the repudiation of the insurance claim is justified.

3. The District Forum on consideration of pleading and the evidence produced by the parties allowed the complaint and directed the respondent opposite party as under: -

'The application of the applicant is allowed.

The respondent shall pay the amount of Rs.15,00,000/- (Rs. Fifteen lacs only) on the insurance policy no.0000 81371 alongwith an interest @ 6% p.a. from 12.7.2006 till the realization of the amount within 30 days from the date of receipt of the order.

The 1,000/- shall be given to the complainant as costs.'

4. Being aggrieved of the order of the District Forum the respondent insurance company preferred an appeal. The State Commission on consideration of record was of the view that the insured was suffering from chronic renal problem from the year 2001 and he had concealed this fact from the opposite party while obtaining the insurance policy and in view of the aforesaid the State Commission allowed the appeal, set aside the impugned order and dismissed the complaint. Being aggrieved of the order of the State Commission the petitioner has filed the revision petition.

5. Learned counsel for the petitioner has contended that the impugned order holding that the insured obtained the insurance policy by concealing material facts regarding his previous ailment is not sustainable because State Commission has failed to appreciate that by not answering the questions pertaining to his medical condition in the section of the proposal form containing the questionnaire in this regard, the insured has not done any concealment because the section itself provide that the questions may not be answered if the insured was required to be medically examined before the acceptance of the insurance proposal. It is argued that the record would show that before accepting the insurance policy medical examination of the insured was got done through Dr. Govind Bhattad of Radhe Govind Hospital, Shivaji Nagar, Nanded whose affidavit was placed on the record of the District Forum besides his letter dated 15.9.2004 addressed to the Chief Medical Officer of the insurance company. It is argued by learned counsel for the petitioner that if the answers in the medical section were not given then the underwriter should not have accepted the proposal and accepted the insurance premium. Once the insurance proposal has been underwritten now the insurance company cannot take shelter of the fact that the insured did not disclose about his previous renal problem in the proposal form.

6. We do not find merit in the above contention.

7. On perusal of proposal form submitted by the deceased insured for purchasing the insurance policy, we find that there is a section seeking medical information with following questions:

'MEDICAL INFORMATION ( If medical examination of the Life to be insured is to be submitted, please leave this section blank)

1. Are you on diet or any other medicine of any kind prescribed by a doctor?

2. Within the past five years, have you:

a. Consulted any doctor or other health practitioner except for common cold, influenza lasting less than 4 days?

b. Submitted to ECG, X-rays, blood test or other tests?

c. Attended or been admitted/advised to be admitted to any hospital or other medical facility?

3. Do you ever had or sought advice for the following:

a. Chest pain, high blood pressure, stroke, heart attack, heart murmur or other heart disorders?

b. Asthma, chronic cough, pneumonia, shortness of breath, T.B. or any other respiratory or lung disorders?

( If YES, complete the appropriate questionnaire)

c. 'Diabetes or sugar in the urine ( If 'YES', complete the appropriate questionnaire)

d. Protein ( Albumin), blood or pus in the urine, sexually transmitted diseases or venereal disease?

e. 'Ulcer, colltis, chronic diarrhoea, hepatitis or jaundice or other liver or digestive disorders ( If 'YES', complete the appropriate questionnaire)

f. Cancer, tumor, thyroid disorder, enlarged glands or enlarged lymph nodes?

g. Anemia, bleeding or blood disorders?

h. Dizzy/fainting spells, epilepsy, paralysis, nervous or mental/emotional disorders? (( If 'YES', complete the appropriate questionnaire)

i. Urine, kidney, bladder, reproductive organ or prostrate disorders?

j. Arthritis, gout or joint pain, muscle, bone fracture or disorders?

k. Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex?

l. A test indicating the presence of HIV (AIDS Virus)?

m. Any other illness, surgery or injury

4. Do you have any bodily deformities ( If YES, state nature and extent of deformity)'

5. Do you have any health symptom or complaints for which a physician has not been consulted or treatment received?

Eg. Persistent fever, unexplained weight loss, loss of appetite, pain, swelling etc.

6. For female lives:

a. Are you pregnant? If Yes, number of weeks

b. Have you had, or do you have, any complications of pregnancy?

c .Have you had, or do you have, any Gynaecological problem?

8. Undisputedly, the insured had left all the questions in the aforesaid questionnaire unanswered. For this, he cannot be blamed for the reason that proposal form itself provides that in case where the insured is to be medically examined before the issue of insurance policy, the insured may leave the section blank. It is not disputed that this is a case of medical examination before the acceptance of the proposal. As per record, the insured was medically examined, before the acceptance of proposal, by Dr. Govind Bhattad. Ex. ‘E’ in the District Forum’s record is the letter of Dr. Govind Bhattad dated 15.09.2004 addressed to Dr. S.G.Karmarkar to Chief Medical Officer of the respondent insurance company. The letter reads as under:

Dear Sir,

With reference to your letter dated 26th August 2004, I am submitted my clarification as :

I have examined Mr. Vishnudas Shankarlal Sharma, at my clinic on 27.03.2003 at 10.00 am. Mr K.H. Darak, BSLI adviser No.1086 was accompanied with client Mr. V.S.Sharma.

Complete detail history was taken by me and recorded by me in front of Mr. K H Darak. Client was apparently healthy, dynamic personality, came by driving two wheeler by himself.

On clinical examination his height, weight, chest expansion were normal. I have notified following abnormalities on any clinical examination.

Blood pressure was high i.e. 150/100 mm. Hg.

Pulse was 60/mt. regular

In Q-O of Part-II FMR, I have mentioned unusual features like mild systemic hypertension

In BSL-13 exam, his serum creatinine was on higher side i.e. 1.34 mgl.

I have also mentioned in his ECG examination of mild left ventricular hypertrophy. I was surprised after receiving your letter. I think he had not given proper history and hidden the fact of having systemic hypertension and he might be taking anti-hypertensive drugs and diuretics.

After detail enquiry, I came to know that there are many allegations on him by income tax department and other insurance companies also.

I can only conclude that he was lying during history, not given by me any history of disease and medicines whatever he was taking. He must have come to me after taking conservative medicines, so that his clinical parameter came to normal and other thing, that chronic renal failure can occur over period of weeks e.g. in a condition called Rapidly Progressive glomerulopathies, severe renal insufficiency can occur in few weeks due to crecentric glomerulopathies.

9. On reading of the above, it is clear that Dr. Govind Bhattad has categorically stated that insured had lied to him while giving his past medical history and concealed about his previous ailment which is apparent from the copy of the letter dated 16.02.2004 written by the insured V S Sharma to the Income Tax Officer. In the said letter, insured has recorded thus:

Since last three years due to my ill health, I have not filed my Income Tax Returns for the period 2001-2002 as per Income Tax Act. As I am since long time confinement to bed and not able to collect documents as well as I am unable to prepare my computation of Income to submit Income Tax Return.

I am facing very serious health problem and I have to visit frequently to Higher Center i.e. at Hyderabad, Pune and Bombay, for further investigation and medical treatment. As per opinion of doctor’s of Higher Center my both kidneys are not in order and in their opinion further time is enquired to replantation of kidneys. On my ill health I am spent huge amount I am the only working person in my family and my children are minor, they have not knowledge of Income Tax and accounting procedure.

10. On reading of the above, it is clear that three years prior to 16.02.2004, the insured was suffering from ill health and he was confined to bed, as a consequence of which he could not file his Income Tax return for the year 2001-02. It is further mentioned in this letter that as per opinion of the doctors, both his kidneys were not in order. Proposal form was signed by the insured on 15.03.2003, meaning thereby that insured was suffering from problem of both the kidneys since much prior to the filing of the proposal form. This fact was not disclosed by the insured to the Dr. Govind Bhattad, who medically examined him in the context of the proposal form. Thus, in our view the State Commission has rightly observed that this is a case of concealment of material fact.

11. It is pertinent to mention that earlier to purchase of subject insurance policy, the insured had two insurance policies, one for Rs.3.00 lacs and other for Rs.2.00 lacs with Life Insurance Corporation of India. On perusal of proposal form, we find that proposal form contains the column for seeking details in which proposer is supposed to give details of his application for issue of previous policy, year of issue and the face value of the earlier insurance policy. The said column has been left blank by the proposer, meaning thereby that the insured concealed existence of previous two insurance policies from the respondent. It may not be out of place of mention that earlier two insurance policies were for Rs.2.00 lacs and Rs.3.00 lacs whereas in March 2003, the petitioner applied for insurance policy of much larger amount of Rs.15.00 lacs and he died within a year from the date of issue of subject insurance policy. From the facts

Please Login To View The Full Judgment!

and circumstances discussed above, it appears that petitioner having known his adverse medical condition with a view to secure his family members deliberately purchased the subject insurance policy by misleading the insurer and concealing the material fact. 12. It is well settled that contract of insurance is based on the doctrine of ‘uberrima fides’ i.e. utmost good faith. The life assured while obtaining the insurance policy is under obligation to disclose relevant material aspect with respect to his / her life. Reference be made to the judgment of the Supreme Court in the cases of P.C. Chacko & Anr. Vs. Chairman, LIC of India (2008) 1 SCC 321, Satwant Kaur Sandhu Vs. New India Assurance Company (2009) 8 SCC 316 and judgment of this Commission in the matter of Crown Consultants Pvt. Ltd. Vs. Oriental Insurance Company Ltd. III (2011) CPJ 439 (NC). 13. In view of the law laid down in above noted judgments and the fact that insured had obtained insurance policy by concealment of material facts, we do not find any fault with the order of the State Commission setting aside the order of the District Forum. The petitioner has not been able to show any material irregularity or jurisdiction error which may call for interference in exercise of revisional jurisdiction. Revision Petition is, therefore, dismissed.
O R







Judgements of Similar Parties

26-06-2020 Reliance Life Insurance Co. Ltd. & Another Versus Girijabai & Others National Consumer Disputes Redressal Commission NCDRC
26-06-2020 Reliance Nippon Life Insurance Co. Ltd. & Another Versus Sajal Kumar Banerjee National Consumer Disputes Redressal Commission NCDRC
25-06-2020 Amar Plastics Versus Iffco-Tokio General Insurance Co. Ltd. & Another National Consumer Disputes Redressal Commission NCDRC
25-06-2020 United India Insurance Co. Ltd. Versus Amar Singh Raghuwanshi National Consumer Disputes Redressal Commission NCDRC
25-06-2020 M/s. Goodwill Leather Art Rep By its Prop Md Quddus ALi Alias Md Quddus Ali Molla Versus National Insurance Co. Ltd. & Others National Consumer Disputes Redressal Commission NCDRC
23-06-2020 M/s. Jain Textiles, Ashok Jain Versus United India Insurance Company Ltd. National Consumer Disputes Redressal Commission NCDRC
19-06-2020 Ram Avtar Versus National Insurance Co. Ltd. National Consumer Disputes Redressal Commission NCDRC
18-06-2020 Jaspreet Singh Bakshi Versus SBI General Insurance Company Ltd., Chandigarh & Others National Consumer Disputes Redressal Commission NCDRC
18-06-2020 Rajendra Singh & Others Versus National Insurance Company Limited & Others Supreme Court of India
16-06-2020 Savitha Versus M/s. Cholamandalam M.S. General Insurance Co. Ltd. & Others Supreme Court of India
15-06-2020 Piara Ram Versus National Insurance Co. Ltd. Through Its Manager, Punjab National Consumer Disputes Redressal Commission NCDRC
12-06-2020 M.H. Uma Maheshwari & Others Versus United India Insurance Co. Ltd. & Another Supreme Court of India
09-06-2020 Cry for Life Society, Thrissur, Represented by Its President, E.C. George & Others Versus Union of India, Represented by The Cabinet Secretary, New Delhi & Others High Court of Kerala
05-06-2020 Vinita Sethi Versus ICICI Prudential Life Insurance Company Ltd. & Another National Consumer Disputes Redressal Commission NCDRC
05-06-2020 Sun Pharma Laboratories Limited Versus BDR Pharmaceuticals International Pvt. Ltd. & Another High Court of Delhi
04-06-2020 Sun Mobility Private Limited Represented by its Managing Director Versus Arumugam Rajpendra Babu & Others High Court of Judicature at Madras
04-06-2020 M/s. United India Insurance Company Limited, Chennai Versus N. Prathap & Another High Court of Judicature at Madras
01-06-2020 P. Subramanian Versus The Insurance Ombudsman, Teynampet & Others High Court of Judicature at Madras
01-06-2020 Aditya Birla Money Limited, Rep. By its Head – Legal & Compliance, L.R. Murali Krishnan Versus The National Stock Exchange of India Limited, Investors Services Cell, Kotturpuram & Others High Court of Judicature at Madras
29-05-2020 The State of Kerala, Represented by Secretary To Government, Forest & Wild Life Department, Thiruvananthapuram & Others Versus Vishalakshi Amma High Court of Kerala
20-05-2020 M/s. Sun Pharmaceutical Industries Limited, Represented by its Authorised Signatory, Nilesh Mahendra Kumar Gandhi & Another Versus The Assistant Commercial Tax Officer (Check of Accounts) & Others High Court of Andhra Pradesh
19-05-2020 Branch Manager Tata AIG General Insurance Company Limited, Bilaspur C.G. Versus Kashi Ram Sahu & Others High Court of Chhattisgarh
04-05-2020 Priyambada Devi Birla & Birla Corporation Ltd. Versus Arvind Kumar Newar & Others High Court of Judicature at Calcutta
24-04-2020 Bajaj Allianz General Insurance Co. Ltd. & Another Versus The State of Madhya Pradesh Supreme Court of India
24-04-2020 Rare Metabolics Life Sciences Pvt. Ltd. & Another Versus Matrix Labs High Court of Delhi
20-04-2020 Liberty Group Limited t/a Liberty Life Versus K & D Telemarketing & Others Supreme Court of Appeal of South Africa
17-04-2020 Diljit Singh Bindra Versus Life Insurance Corporation of India Supreme Court of India
23-03-2020 The Branch Manager, National Insurance Company Limited, Sikkim Versus Bishal Chettri & Another High Court of Sikkim
20-03-2020 Oriental Insurance Company Limited Through Chief Manager Versus Arvind Kumar Jain National Consumer Disputes Redressal Commission NCDRC
20-03-2020 Branch Manager, Bajaj Allianz Life Insurance Co. Ltd., Punjab & Others Versus Dalbir Kaur National Consumer Disputes Redressal Commission NCDRC
13-03-2020 IFFCO-TOKIO General Insurance Co. Ltd., Represented by its Manager, K.S.C.M.F. Buildings, Bangalore Versus Mageswari & Others High Court of Judicature at Madras
13-03-2020 The Branch Manager, National Insurance Co. Ltd. Versus Suchandra Basak West Bengal State Consumer Disputes Redressal Commission Kolkata
13-03-2020 Dr. Rajesh Jhorawat Versus Life Cell International Pvt. Ltd., Kancheepuram & Another National Consumer Disputes Redressal Commission NCDRC
13-03-2020 The National Insurance Co. Ltd., Kolkata, through its Regional Manager Versus Marotrao & Others In the High Court of Bombay at Nagpur
13-03-2020 Ashawati Singh & Others Versus Life Insurance Corporation off India, Thrpugh Divisional Manager, Allahabad National Consumer Disputes Redressal Commission NCDRC
12-03-2020 M/s. National Insurance Co. Ltd., Puducherry Versus Rani & Others High Court of Judicature at Madras
12-03-2020 The Branch Manager, National Insurance Co. Ltd. Versus Subhash Mahanta West Bengal State Consumer Disputes Redressal Commission Kolkata
12-03-2020 National Insurance Co. Ltd., National Legal Vertical (Legal Cell), New Delhi Versus Biswadeb Koley & Others National Consumer Disputes Redressal Commission NCDRC
12-03-2020 United India Insurance Co. Ltd., Tiruppur Versus Kaveriammal & Others High Court of Judicature at Madras
12-03-2020 The Branch Manager, Oriental Insurance Company Limited, Tiruvannamalai Versus Poongavanam & Others High Court of Judicature at Madras
11-03-2020 M/s. United India Insurance Co. Ltd., Div. Office- I, Secunderabad Versus Syed Mohd. Rayees & Another High Court of for the State of Telangana
11-03-2020 M/s. National Insurance Co. Ltd., Basheerbagh, Hyderabad through local branch at Khammam Versus F.R. Phillip High Court of for the State of Telangana
11-03-2020 Agrocel Industries Pvt. Ltd. Versus United India Insurance Company Ltd. High Court of Judicature at Bombay
11-03-2020 S. Mahadevan Versus The General Manager, (Appellate Authority) Personnel Department, United India Insurance Company Ltd., Chennai High Court of Judicature at Madras
11-03-2020 Divisional Manager, M/s. Cholamandalam MS General Insurance Company Limited, Chennai Versus Anandan & Another High Court of Judicature at Madras
10-03-2020 M/s. Professional Management Consultants (P) Ltd., Chennai Versus Employees State Insurance Corporation, Rep by its Joint Director, Chennai High Court of Judicature at Madras
09-03-2020 The Branch Manager, M/s The Oriental Insurance Company Ltd. Through Divisional Manager Versus Jayanti Devi & Others High Court of Jharkhand
06-03-2020 National Insurance Co. Ltd., Rajasthan & Another Versus Bhawal Synthetics India Ltd., Rajasthan & Others National Consumer Disputes Redressal Commission NCDRC
06-03-2020 Poonam Devi & Others Versus Oriental Insurance Co. Ltd. Supreme Court of India
06-03-2020 The Oriental Insurance Co., Ltd., Palghad, Kerala State Versus M. Arul @ Arulkumar & Others High Court of Judicature at Madras
06-03-2020 Mumtaz & Others Versus The National Insurance Co. Ltd., & Another High Court of Karnataka
05-03-2020 The Divisional Manager, Oriental Insurance Company Limited, Vellore Versus R. Damodharan & Another High Court of Judicature at Madras
05-03-2020 National Insurance Co. Ltd., Chennai Versus S. Chitirai Pandian & Others High Court of Judicature at Madras
05-03-2020 Divisional Manager, Oriental Insurance Co. Ltd., Divisional Office, Mythe Estate, Kaithu, Shimla, Himachala Pradesh Versus Bir Singh Rana National Consumer Disputes Redressal Commission NCDRC
05-03-2020 United India Insurance Co. Ltd., Chennai Versus B. Sudha & Others High Court of Judicature at Madras
04-03-2020 Nirmala Kothari Versus United India Insurance Co. Ltd. Supreme Court of India
04-03-2020 The Divisional Manager, The Oriental Insurance Co. Ltd., Tiruvannamalai Versus Suresh Kumar & Others High Court of Judicature at Madras
03-03-2020 The Oriental Insurance Co.Ltd., Broadway, Chennai & Another Versus G. Saravanan & Another High Court of Judicature at Madras
03-03-2020 M/s. Deluxe Enterprises, H.P. Versus Oriental Insurance Company Ltd., Punjab National Consumer Disputes Redressal Commission NCDRC
03-03-2020 Life Insurance Corporation Of India Through Its Additional Secretary(Legal), New Delhi Versus Raj Vilas Dongre & Others National Consumer Disputes Redressal Commission NCDRC
03-03-2020 Reliance General Insurance Co. Ltd., Salem Versus Parameshwari & Others High Court of Judicature at Madras
03-03-2020 United India Insurance Company Limited Versus Yechuri Nirmala & Others High Court of for the State of Telangana
02-03-2020 Branch Manager, National Insurance Co. Ltd., Represented by Regional Manager, National Insurance Co. Ltd., Bengaluru Versus Latha & Others High Court of Karnataka
02-03-2020 Geetha & Others Versus United India Insurance Company Limited, Neyveli High Court of Judicature at Madras
02-03-2020 The Oriental Insurance Co. Ltd., Represented by its Manager, Dharmapuri Versus Venkatraman & Others High Court of Judicature at Madras
02-03-2020 Employees State Insurance Corporation, Represented by Its Director General, New Delhi & Others Versus Dr. P.S. Naina High Court of Kerala
02-03-2020 G.T.P. Transport Company, Swaranpuri, Salem & Another Versus National Insurance Company Ltd., Divisional Manager, Salem & Another High Court of Judicature at Madras
02-03-2020 Royal Sundaram Alliance Insurance Co. Ltd., Chennai Versus Abutahir & Others High Court of Judicature at Madras
02-03-2020 M/s. Bharti AXA General Insurance Co. Ltd., Doddaanekundi, Bangalore Versus Narasimman & Others High Court of Judicature at Madras
28-02-2020 ICICI Prudential Life Insurance Company Limited, Represented by its Authorised Signatory & Others Versus Chittipolu Uma Telangana State Consumer Disputes Redressal Commission Hyderabad
28-02-2020 M/s. Techno Global Services Pvt. Ltd. & Another Versus National Insurance Co. Ltd. & Others West Bengal State Consumer Disputes Redressal Commission Kolkata
27-02-2020 M/s. Royal Sundaram Alliance Insurance Co. Ltd., Chennai Versus Karmi Devi & Others High Court of Judicature at Madras
27-02-2020 National Insurance Co. Ltd. Versus Bhagwan Bhika Shirsath & Others High Court of Judicature at Bombay
26-02-2020 The Oriental Insurance Company Limited, Chennai Versus M. Baby Rani & Others High Court of Judicature at Madras
26-02-2020 M/s. Food Corporation of India, Represented by its Area Manager, Coimbatore Versus Employees State Insurance Corporation, Represented by its Deputy Director, Coimbatore High Court of Judicature at Madras
25-02-2020 Life Insurance Corporation of India Versus Mukesh Poonamchand Shah Supreme Court of India
25-02-2020 Bajaj Allianz General Insurance Co. Ltd. Versus M/s. MPT Amtek Automotive Ltd. Delhi State Consumer Disputes Redressal Commission New Delhi
24-02-2020 The Branch Manager, The Oriental Insurance Co. Ltd., Divisional Office at Puducherry Versus Prabu, Rajendran, Senthilkumar, Nagappan, Chandrasekar & Minor Balaji, Rep. by his mother & next friend Jothi & Others High Court of Judicature at Madras
24-02-2020 Shriram General Insurance Company Ltd. Versus Arvind Chauhan & Others High Court of Uttarakhand
20-02-2020 United India Insurance Co. Ltd. Motor TP Claims Hub, Represented by its Manager Versus T. Thimmanna & Others High Court of Karnataka
20-02-2020 S. Senguttuvel & Others Versus The Branch Manager, United India Insurance Co., Ltd., Salem & Others High Court of Judicature at Madras
20-02-2020 Oriental Insurance Company Ltd., Maharashtra Versus M/s. Dangi Financial & Management Consultancy Pvt. Ltd. Maharashtra National Consumer Disputes Redressal Commission NCDRC
20-02-2020 Life Insurance Corporation of India, Through its Manager (L & HPF) Versus Meera Mehbubani Delhi State Consumer Disputes Redressal Commission New Delhi
19-02-2020 M/s. Pankaj Trading Company Proprietor Mr. Manoj Jain & Others Versus National Insurance Company Ltd. Rajnandgaon Chhattisgarh National Consumer Disputes Redressal Commission NCDRC
18-02-2020 Divisional Manager, United India Insurance Co. Ltd., Vellore V/S Rani & Another High Court of Judicature at Madras
18-02-2020 National Insurance Co. Ltd. Versus Manjulaben Jayantibhai Usadadiya High Court of Gujarat At Ahmedabad
18-02-2020 M/s. Reliance General Insurance Company Versus Rakesh Sharma & Others Delhi State Consumer Disputes Redressal Commission New Delhi
18-02-2020 M/s. M.L. Spinners Pvt. Ltd., Haryana Versus Oriental Insurance Co. Ltd., Haryana & Another National Consumer Disputes Redressal Commission NCDRC
18-02-2020 The Branch Manager, Reliance General Insurance Co. Ltd. Versus Devikamma @ Devakemma & Others High Court of Karnataka Circuit Bench OF Kalaburagi
17-02-2020 National Insurance Co. Ltd. Versus Veena Jain Delhi State Consumer Disputes Redressal Commission New Delhi
17-02-2020 Magma Fincorp Ltd., Kolkata Versus Oriental Insurance Co. Ltd., New Delhi & Others National Consumer Disputes Redressal Commission NCDRC
14-02-2020 HDFC Standard Life Insurance Co. Ltd. Versus Gangineni Vasundhara National Consumer Disputes Redressal Commission NCDRC
14-02-2020 National Insurance Company Ltd. Through Its Duly Constituted Attorney Manager, National Insurance Company Ltd., New Delhi Versus M/s. Ganpati Timber Store, By Proprietor Sh. Rajesh Khadariya & Another National Consumer Disputes Redressal Commission NCDRC
14-02-2020 M/s. Baspa Organics Limited V/S United India Insurance Company Limited Supreme Court of India
13-02-2020 Life Insurance Corporation of India Through Its Zonal Manager, Life Insurance Corporation Of India, New Delhi Versus Rajendra Sudamrao Shinde & Another National Consumer Disputes Redressal Commission NCDRC
12-02-2020 Oriental Insurance Co. Ltd. Versus National Bulk Handling Corporation Pvt. Ltd. Supreme Court of India
11-02-2020 V.P. Padmakumar Versus Insurance Ombudsman & Another National Consumer Disputes Redressal Commission NCDRC
11-02-2020 The Deputy Director, Sub-Regional Office, Employees State Insurance Corporation, Thiruvananthapuram & Another Versus Surendra Das, Proprietor, Hotel Sree Visakh, Thiruvananthapuram & Others High Court of Kerala
11-02-2020 Narender Kumar Jain & Others V/S Life Insurance Corporation pf India, Haryana And Others National Consumer Disputes Redressal Commission NCDRC
11-02-2020 Bharati AXA Life Insurance Co. Ltd. & Another Versus Asim Kumar Mukherjee & Others West Bengal State Consumer Disputes Redressal Commission Kolkata


LawyerServices is a Premium Legal Tech solution.


Lawyers, Law Firms, Government Departments and Corporates rely on us for, Workflow Automation, Data Aggregation, Timely Updates, Case Management, Intelligent Research, Latest Legal Data Updates and a LOT more!

If you are a legal professional, CONTACT US, in order to see how our UNIQUE solution can benefit your organization.

Features Intro Close Box