The Thane District Consumer Redressal Forum has ordered Pan Card Club to pay compensation of Rs. 50,000 to the widow of a rickshaw driver who died of heart attack.
The Forum has cleared the New India Insurance Company of all the charges levelled against it and held that it was not liable to pay the compensation to the applicant widow as the policy premium was not received by it.
According to the Forum, Pan Card Club had failed to explain the provisions of the membership and personal accident insurance details to the rickshaw driver who took the club membership.
The applicant’s widow Shalan Kshirsagar had said that her husband died of heart attack on 24 April 2008 and since he had taken the membership of the Pan Card Club by paying a sum of Rs. 1,000. It is through the club membership Mr Kshirsagar had got an insurance policy for Rs. 50,000. She filed the claim on his death which was refused by the club.
The dispute arose over the date on which the policy came into effect. The Club argued that the policy was effective from 18 May 2008 while the person concerned died on 24 April 2008.
The Forum held that the policy was effective from the date of issue and ordered compensation of Rs. 50,000 to the widow towards the policy and additional payment of Rs. 10,000 towards her physical and mental sufferings.