minal 20 November 2021

insurance company raise query in road accidenr

my brother in law died in road accident he was traffic police. bike slipped n on d spot he died due to head injury. the time was night 11.pm he was on duty. his wife claimed for insurance from Axis bank where his salary use to come, and bank only has given accidental insurance to all police .

now the insurance company from where the bank has taken policy for all police people, is delaying matter saying that may be he was not wearing helmet as the PMR shows head injury. and now insurance company asking his wife to take letter from police in this regrads.

can his wife get his accidental death insurance money??? is there any clause that insurance company will not give money in such case .

plz guide what to do, as she is not educated n hv 2 small kids

thanks in advance if u guide me.
Mrs.Minal

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Quick Summary

A police officer tragically died in a road accident while on duty. His wife is facing delays in her accidental death insurance claim from Axis Bank, as the insurer is questioning whether a helmet was worn. Experts advise that not wearing a helmet is generally not a valid reason to reject an insurance claim. The widow should obtain a letter from the police and pursue the claim, potentially using an RTI application to gather information and escalate the matter if necessary.

5 Replies

DR.VEDULA GOPINATH (ADVOCATE AND CORPORAE ADVISOR) 20 November 2021

Wife is eligible (widow of the deceased) for insurance beefits. Approach police and take letter and claim insuranlce.

there is no rule in insurance contract that non-waring of helmet is cause for refusal of claim.

dr vedula gopinath

advocate/arbittator

G.L.N. Prasad (Retired employee.) 20 November 2021

First file RTI Application with Rs.10/- RTI fee to State Public Information officer and get facts for further process.

INFORMATION SUBJECT; Death of Shri........................, Designation,.......................working at .........................death in Road accident on.................... while on duty. Accident insurance coverage by Axis Bank..............

1. Please inform the ultimate beneficiaries. for the Accidental insurance policy covered by AXIS BANK.

2. Please inform the present status of the claim with such reasons for delay if any in processing.

3. Please provide the Name of the official, mobile no and email that is well versed with this case and dealing in the issue for further clarification.

4. Please provide certified copies of all relevant correspondence from the date of the claim till date.

(The premium is a maximum Rs.12/- p.a. per person and all PSUs offer such policies. As entire dept employees are banking, giving certain benefit, like all banks, bank may be paying insurance premium of Rs.11/- p.a.)