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Last Updated On 15-Dec-2020
Insurance

House insurance

my dad has applied for the house loan but 4 months before he passed away. Since he's the only one who's earning in our family it's hard to pay the due amount. We haven't paid for r months we have insurance and want to claim it. But they are giving reasons like he has diabetes.my fathers deatg was a natural death. Not they have sent a legal notice and we don't know what to.

( Chennai, Tamil Nadu )

15-Dec-2020

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A.
it was life insurance or insurance taken with home loan ?
you have to get a lawyer and claim insurance amount.
Insurance companies dont want to pay anybody specially private companies.
dont give importance to bank legal notice for now.


Hope this clarifies,
Advocate Ankur Goel (Complete Law Shield)
#YourLifeYourChoice
Posted On 15-Dec-2020
Vidhikarya
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A.
Hi,
You shall have to send notice to the insurance company citing fraud or cheating on their part and take it up in the relevant Court, and then provide all necessary documents proving your father's death was due to natural causes. The insurance company would have factored in that he was diabetic when awarding him the policy and even increased his premium because of it. So they are wrong to claim that you are not entitled to the payout.
Posted On 15-Dec-2020
Vidhikarya
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Hi,
You shall have to send notice to the insurance company citing fraud or cheating on their part and take it up in the relevant Court, and then provide all necessary documents proving your father's death was due to natural causes. The insurance company would have factored in that he was diabetic when awarding him the policy and even increased his premium because of it. So they are wrong to claim that you are not entitled to the payout.
Posted On 15-Dec-2020
Vidhikarya
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Dear Sir,
Always these Bank people and insurance people collude with each other to avoid payment of insurance amount. You may approach High Court and get a direction in your favour.

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Posted On 15-Dec-2020
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