The apex consumer commission has directed an insurance firm to pay Rs 50 lakh to a pilot of a private airline for wrongly denying a policy claim, saying he was made to "take a dollop of injustice" from the company.
National Consumer Disputes Redressal Commission, presided by Justice J M Malik, asked New India Assurance Company Ltd to pay the money to east Delhi resident Capt Anant Kumar Singh who worked as a pilot with JetLite.
"The purpose of law is to prevent the strong always having their way. An insured, like a pilot, should be dealt with kid gloves, but in this case, he was made to take a dollop of injustice from the insurance company, who was in a position to call the shots," the commission said.
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The bench, also comprising its member S M Kantikar, said "the whole gamut of the facts and circumstances leans in favour of the complainant (Singh). We, therefore, allow the complaint and direct the insurance company, to pay a sum of Rs 50 lakh in favour of the complainant (Singh)."
It added that "the insurer has a duty to disclose and similarly, it is the duty of the insurance company and its agents to disclose material facts in their knowledge since obligation of 'good faith' applies to both, equally."
According to complaint filed by Singh, he had applied for an insurance policy from the firm in the sum of Rs one crore and paid Rs 56,200 as premium in favour of the firm which was encashed by it on April 30, 2009.
Meanwhile, on December 22, 2009, Singh was declared permanently unfit for flying and he apprised the firm of this fact.
Several telephonic reminders and meetings of Singh with the firm did not yield any result after which he sent a legal notice on January 18, 2011 to it.
The firm, however, repudiated Singh's claim alleging that he did not disclose the fact that he was suffering from hypertension and chronic kidney disease.
