Saturday, May 19, 2012

இதுவும் விபத்து போன்றதுதான் 

கொசுக்கடியால் இறந்தாலும் இன்சூரன்சு நிறுவனம் நஷ்ட ஈடு வழங்க வேண்டும் 

நுகர்வோர் கோர்ட்டு பரபரப்பு தீர்ப்பு 

புதுடெல்லி, மே.19: கொசுக்கடியால் ஏற்படும் மலேரியா நோயால் ஒருவர் இறந்தாலும், அதை விபத்தாக கருதி இன்சூரன்சு நிறுவனம் நஷ்ட ஈடு வழங்க வேண்டும் என்று, நுகர்வோர் கோர்ட்டு பரபரப்பான தீர்ப்பை வழங்கி உள்ளது.

கொசுக்கடி மரணமும் விபத்துதான்

பஞ்சாபை சேர்ந்த நிர்மல்சிங் என்பவர், வடக்கு டெல்லி நுகர்வோர் கோர்ட்டில் மனு ஒன்றை தாக்கல் செய்து இருந்தார். அதில், லாரி ஓட்டும் அவருடைய தந்தை மலேரியா காய்ச்சலால் மரணம் அடைந்துவிட்டார் என்றும், அவர் பாலிசி எடுத்திருந்த இன்சூரன்சு நிறுவனம், அதற்காக ரூ.2 லட்சம் நஷ்ட ஈடு வழங்க வேண்டும் என்றும், அதில் கோரிக்கை விடுத்து இருந்தார்.

பாபுலால் தலைமையிலான நுகர்வோர் குறை தீர்க்கும் மன்ற பெஞ்ச் இந்த மனு மீது விசாரணை நடத்தியது. விசாரணைக்குப்பின், மலேரியா நோயை பரப்பும் கொசுக்கடியால் பாதிக்கப்பட்ட ஒருவர் மரணம் அடைந்தால், அதையும் ஒரு விபத்தாகவே கருதி நஷ்ட ஈடு வழங்க வேண்டும் என்று நீதிபதிகள் தீர்ப்பு வழங்கினார்கள்.

பாம்புக்கடி போல்...

பாம்பு ஒரு மனிதனை கடித்தால் அது விபத்தாக கருதப்படும்போது, மரணத்தை விளைவிக்கும் கொசுக்கடியையும் விபத்தாகவே கருத வேண்டும் என்றும் அவர்கள் தீர்ப்பில் குறிப்பிட்டு உள்ளனர்.

என்றாலும் இந்த வழக்கில் நிர்மல்சிங்கின் தந்தை மரணம் அடைந்த 2003ம் ஆண்டுக்குள் அவர் எடுத்திருந்த பாலிசி காலம் ரத்தாகி விட்டதாக இன்சூரன்சு நிறுவனம் சார்பில் வாதிடப்பட்டது. அதை எதிர்த்து மனுதாரர் வழக்கு தொடரவில்லை என்பதால் அவருக்கு நஷ்ட ஈடு வழங்க உத்தரவிட முடியாது என்றும் நீதிபதிகள் தெரிவித்து உள்ளனர்.  

Courtesy_
Daily Thanthi, Bangalore Edition, dated 19-05-2012

Also read the related stories

'Insurance covers mosquito bite death'

AGENCIES

Posted: Friday, May 18, 2012 at 1816 Hrs IST

New Delhi: Death due to a mosquito bite is an accident and is covered under accidental death insurance, a consumer forum here has said.

"In our considered opinion when a snake bites a person, it is an accident. On this analogy we do not find any difference between the death caused by a snake bite and the death caused by the bite of malaria parasite provided there should be a proof to that fact.

"We come to the conclusion that death due to mosquito bite is covered by the word accident," the North District Consumer Disputes Redressal Forum said.

The order of the bench, presided by Babu Lal came on the plea of Punjab native Nirmal Singh who had alleged that after his father's death due to malaria, the Oriental Insurance Co Ltd refused to reimburse his claim under the policy.

Nirmal had said in his plea that his father, a truck driver, had purchased an Individual Janta PA scheme for a sum of Rs 2,00,000 from the insurance company for the period of November 28, 1997 to November 27, 2007.

He had said his father had fallen ill while moving goods from Mumbai to Delhi and back and had later died in the hospital during treatment on October 19, 2003.

The insurance company contended that the insurance of the deceased had been cancelled in 2002 itself as per the policy decision and the premium of Rs 282 was refunded on proportionate basis for the un-expired period of the scheme.

It had also contended that the policy was in respect of sustaining bodily injury resulting solely and directly from accident caused by outward, violent and visible means and / or death / disablement due to sterilisation risk and since the insured did not die of any accident, the beneficiary of the deceased was not entitled to the insured amount.

The forum while holding that death of Nirmal's father was due to accident, however, upheld the decision of the company to reject his claim saying the policy was cancelled in 2002 and the cancellation was not challenged by him.

Courtesy_

Also read the related stories

'Death by mosquito bite is also an accident'

Last Updated: Friday, May 18, 2012, 18:44  0    

New Delhi: Death due to a mosquito bite is an accident and is covered under accidental death insurance, a consumer forum here has said. 

"In our considered opinion when a snake bites a person, it is an accident. On this analogy we do not find any difference between the death caused by a snake bite and the death caused by the bite of malaria parasite provided there should be a proof to that fact. 

"We come to the conclusion that death due to mosquito bite is covered by the word accident," the North District Consumer Disputes Redressal Forum said. 

The order of the bench, presided by Babu Lal came on the plea of Punjab native Nirmal Singh who had alleged that after his father's death due to malaria, the Oriental Insurance Co Ltd refused to reimburse his claim under the policy. 

Nirmal had said in his plea that his father, a truck driver, had purchased an Individual Janta PA scheme for a sum of Rs 2,00,000 from the insurance company for the period of November 28, 1997 to November 27, 2007. 

He had said his father had fallen ill while moving goods from Mumbai to Delhi and back and had later died in the hospital during treatment on October 19, 2003. 

The insurance company contended that the insurance of the deceased had been cancelled in 2002 itself as per the policy decision and the premium of Rs 282 was refunded on proportionate basis for the un-expired period of the scheme. 

It had also contended that the policy was in respect of sustaining bodily injury resulting solely and directly from accident caused by outward, violent and visible means and / or death / disablement due to sterilisation risk and since the insured did not die of any accident, the beneficiary of the deceased was not entitled to the insured amount. 

The forum while holding that death of Nirmal's father was due to accident, however, upheld the decision of the company to reject his claim saying the policy was cancelled in 2002 and the cancellation was not challenged by him. 

PTI 

Courtesy_

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