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The acme customer agency has asked LIC India to pay Rs 5 lakh to the kin of a asleep diabetes accommodating and fabricated bright that allowance claims cannot be denied on the arena of accepted affairs diseases. 

The National Customer Disputes Redressal Commission, while ambience a the Punjab accompaniment commission’s order, asked the Chandigarh annex of the Activity Allowance Corporation India to pay the sum forth with advantage Rs 25,000 and action amount Rs 5,000 aural 45 canicule to Punjab-resident Neelam Chopra. 

Neelam Chopra’s husband, who was adversity from diabetes, had availed a activity allowance affirmation in 2003 from the company. While bushing the angle form, he had not mentioned about his disease. 

He died of a cardiac arrest in 2004. 

After her husband’s death, back she claimed the policy, the aggregation alone it on the arena that the asleep had suppressed advice apropos his bloom at the time of ability the action and that the affirmation has become time barred. 

“The asleep died on annual of ‘cardio respiratory arrest’ which was absolute for alone bristles months above-mentioned to the date of death. Thus, clearly, this ache was not prevailing back the angle anatomy was filled. The ache of diabetes, admitting was absolute for some time but was beneath ascendancy at the time of bushing up of the angle form. Moreover, the non-disclosure of advice in account of this affairs ache of diabetes, will not absolutely disentitle the appellant for the claim,” the agency said. 

The acme commission, however, said that this arena does not accord any appropriate to the being insured to aish advice of such diseases and the being insured may ache after-effects in agreement of the bargain claims. 

The agency said aishment of any advice apropos to above-mentioned ache if it has not resulted in afterlife or has no absolute accord to account of death, would not “completely disentitle” the appellant for the claim. 

Lead angel acclimated for representational purposes only. Credit: Rediff Archives

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