Delhi

New Delhi

CC/273/2012

Jitender Jain - Complainant(s)

Versus

M/S. National Insurance Company.Ltd. - Opp.Party(s)

17 Jul 2015

ORDER

CONSUMER DISPUTES REDRESSAL FORUM-VI

(DISTT. NEW DELHI), ‘M’ BLOCK, 1^STFLOOR,

VIKAS BHAWAN, I.P.ESTATE,

NEW DELHI-110002.

 

Case No.CC/273/12              Dated:

In the matter of:

SH.JITENDER JAIN,

S/0 SHRI S C JAIN

NO.213,NATRAJ APARTMENT,

PLOT NO-67, IP EXTENTION,

DELHI-110092.

         ……..COMPLAINANT

       

VERSUS

 

NATIONAL INSURANCE COMPANY LTD.

124, CONNAUAGHT CIRCUS,

LEVEL IV, TOWER 11,

JEEVAN BHARTI

NEW DELHI-110001.      

 

 

 

………. OPPOSITE PARTY

 

 

 

 

 

ORDER 

Member: Ritu Garodia

 

The short facts of alleged deficiency are that complainant along with his family was covered under OP medical policy since 2006.  The premium was not paid in 2011 due to default in payment by insurance agent.  The policy lapsed on 13.11.2011.  No intimation for renewal was issued by OP before the said date.  It has been accepted by OP that a letter dated 5.12.2011 was sent to complainant informing them of termination and non-renewal of policy for lack of payment of premium.

Complainant sent them various mails regarding renewal and was also willing to pay the penalty for late payment charges.  Complainant sent an e-mail dated 29.11.11 which is reproduced:-

“with ref. to our telepheonic conversation on several time for last 15 days, I want to state that, I have one medi claim policy number 401603/48/10/8500000330 which I am maintain for last 7 to 8 years for which I always get the renewal notice and use to renew my policy on time.

I am sorry to say but this time I didn’t get any renewal notice for the same amounting the lapse in the renewal date which was of 13^th Nov.,2011 the time I could recollect the time was gone, for which we were discussing on phone for last 15 days”.

OP continued to drag the matter, exchanged e-mail and refused to renew the policy.  It has become a standard conduct of insurance companies to indulge in unnecessary correspondence rather than redress the grievances of insured.

In our considered view, OP is guilty of imperfection in service displaying callous attitude toward the grievances/problems faced by general public.  We award Rs.10,000/- as compensation for harassment and mental agony, caused to the complainant.

The order shall be complied with within 30 days of the receipt of the copy of the order; otherwise action will be taken under Section 25 / 27 of the Consumer Protection Act.

File be consigned to record room.

Copy of the order be sent to the parties free of cost.

          Pronounced in open Court on 17.08.2015.

 

(C.K.CHATURVEDI)

PRESIDENT

 

 

         

(RITU GARODIA)

MEMBER