sachin
25 April 2023 at 00:11
Consumer Fourum Insurance matter
1. I purchased a health insurance policy of one of the renowned health insurance company, through the Policy Bazar website. The said Policy was a health insurance family policy and all the members of the family were covered. I was provided with the policy document as an attachment document, however, some of the hidden terms & conditions, other supporting documents etc were provided as a hyperlink in the mail that i couldn't see as i read the policy document that was attached.
2. These Hidden Terms and Conditions, supporting documents, and necessary information provided in Hyperlink / Website link may be altered by the company at its sole discretion later as and when desired. The email of Policy Confirmation Letter contains the Policy Document containing 14 pages along with that contains 9 Hyperlinks, website link, Mobile App Link for Android / IOS and Whatsapp Link etc for searching and finding necessary information, supporting documents and Terms and conditions.
3. This means, that even if the insurance contract has been entered into, the insurance company can change its terms and conditions at any point of time.
It is indicative of the active concealment of the facts that company wants to keep hidden from customers and may lead to promote the fraudulent intent of the companies and will help to rely them on the extraneous document that was never shown to customer at the time of Purchasing policy.
Hence, referring website/ webpages/ Links etc cannot be considered a perfect and authentic legal document to be considered as a part of policy Terms and conditions in any court of Law.
4. Insurance companies are misusing these hyperlinks/ websitelinks as a shield to deny the genuine insurance claims of the insured persons, based on terms and conditions which were changed after the insurance contract was legally formed.
5. Kindly suggest a further course of action or some experienced Lawyer who have handled such/ similar case
Regards
Sachin
Anonymous
24 April 2023 at 21:10
A very close relative of ours is a lady in who's 498A case she has to do her evidence in the court of metropolitan magistrate. Please advise.
1. Whether she can do her evidence that is examination in chief by filing an affidavit in writing or she has to do oral evidence only
2. Whether she can file additional documents at the time of evidence and if so what procedure she should adopt.
3. Whether for filing a certificate under section 65B of the evidence act, she needs specific permission of the metropolitan magistrate by way of filing a separate application or she can submit the certificate immediately before the evidence commences.
4. Whether at the time of evidence she can pray the court to call a few persons from the side of the husband who are involved in certain events.
Anonymous
24 April 2023 at 13:00
To
The Fellow experts
Is there any standard rate for charging royalty for using trademark in India?
Here our company engaged another partnership Firm as Franchisee to use company's trademark on the specified products and pay royalty to our company for using trademark.
Regards
Abhijit
haran light
24 April 2023 at 11:49
My Cousin got a educational loan (Rs 330000) from SBI in 2008 for her Master degree. But disbursed amount is only Rs. 305000. Everything in her Father name. The bank employee told there is a insurance for the loan. But no document provided.
She completed her degree in 2010 and once she got job she paid 4000 to 10000 whenever and whatever possible. After her marriage also she paid some amount like this. In 2015 the NEFT payment to Education loan account rejected she stopped NEFT and planning to enquire the home branch when she visit native. But her father expired in the next month and she forgot the things. She tried NEFT once again and forgot as she don't have a job after that.
Suddenly last February Reliance ARC called her for the loan and telling they are now responsible for collecting the loan amount. There is no communication from Bank from 2015 regarding loan and transfer to Reliance ARC. Also no communication from Reliance ARC also. Now they are threatening she has to pay almost Rs 1000000.
Will file a case, update in CIBIL, write to a government office where she working as temporary employee how can they give job etc. Also threatening her husband's loan will also affect.
Loan sanctioned amount Rs .330000
Disbursed Amount Rs. 305000
Now as per RARC need to pay Rs 1000000
Total she paid including Govt. subsidy - Rs 220000
Also as her father expired the insurance which took for loan there is no information from RARC. She want to check with SBI on insurance but RARC is pushing to take decision on payment soon we cannot wait.
DP Singh
24 April 2023 at 11:45
Just as you have in society flats, is it possible to add a nominee in a sale deed when buying freehold property in delhi
fedrick andrew
24 April 2023 at 07:09
Hi,
Am a 30 year old and was in a relationship for almost 9 years within our family who is 25 years old both the family agreed and we were about the get engaged and married as there was no opposition from both the sides and I have been very supportive both financially and morally to their family, our wedding was post poned due to my father's death in 2021 may and since then there were many problems between us and both the families as we stopped talking and i have been spending most of my earnings to them, taking care of their household etc., and yes I have been a little upset with the way I was treated and I have said few abusive stuff and the relationship has basically ended as they had call this off, but now when I ask them for the money that I had given (i had given 60k for her father's treatment during covid) to return all the jewels that I bought, now the family is threatening me to logged a compliant against me if I call them to ask the money n jewels back.
Alfesaani.
22 April 2023 at 19:14
Hello.
My question: Is there any limitation period for offences under the Juvenile Justice Act in India( akin to section 468 CrPC)? For example, if a person committed an offence when he was 13 years old: can he be tried for that if the offence comes to light when he is 50 years old?
Thanks in advance.
raju
22 April 2023 at 18:43
I have purchased property and the seller received the amount by cheque/draft and sub registrar registered tho property. Now after a year seller produced photo copy of sale agreement that amount stands due from purchaser and filed police complaint. My query is does photo copy of sale agreement has any value since original not available.
Member (Account Deleted)
22 April 2023 at 17:41
I am from west bengal..i resign my govt job 19.02.2021 and joined as a teacher in a govt school... But i was not satisfied as a teacher...I called my previous employer,,,he said my resignation was not accepted till then...i did not go any further procedure like salary intake,cosa form fill up and also not verified my documents to my component higher authority and put resignation from teacher post next day 20.02.21. in school... Next day i applied for withdrawn my resignation latter to my previous employer and he received with sympathy and I rejoined my previous job....
Is there any problem happen in future????
I performed one day duty in new job and back my previous office....
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Consumer forum insurance matter
Consumer Forum Insurance matter
1. I purchased a health insurance policy of one of the renowned health insurance company, through PolicyBazar website. The said Policy was a health insurance family policy and all the members of the family were covered. I was provided with the policy document as an attachment document, however, some of the hidden terms & conditions, other supporting documents etc were provided as a hyperlink in the mail that i culdnt see as i read the policy document that was attached.
2. These Hidden Terms and conditions, supporting documents and necessary information provided in Hyperlink / Website link may be altered by the company at its sole discretion later as and when desired. The email of Policy Confirmation Letter contains the Policy Document containing 14 pages along with that contains 9 Hyperlinks, website link, Mobile App Link for Android / IOS and Whatsapp Link etc for searching and finding necessary information, supporting documents and Terms and conditions.
3. This means, that even if the insurance contract has been entered into, the insurance company can change its terms and conditions at any point of time.
It is indicative of the active concealment of the facts that company wants to keep hidden from customers and may lead to promote the fraudulent intent of the companies and will help to rely them on the extraneous document that was never shown to customer at the time of Purchasing policy.
Hence, referring website/ webpages/ Links etc cannot be considered a perfect and authentic legal document to be considered as a part of policy Terms and conditions in any court of Law.
4. Insurance companies are misusing these hyperlinks/ websitelinks as a shield to deny the genuine insurance claims of the insured persons, based on terms and conditions which were changed after the insurance contract was legally formed.
5. Kindly suggest the further course of action or some experienced Lawyer who have handeled such/ similar case
Regards
Sachin