Case Law Details
Anju Kalsi Vs HDFC Ergo General Insurance Company Limited and Another (Supreme Court of India)
It is duty of insurance company to communicate details of terms and conditions of insurance policy to the beneficiaries of insurance.
BRIEF FACTS
1. These appeals arise from a judgment of the National Consumer Disputes Redressal Commission1 dated 24 March 2017 in the exercise of its revisional jurisdiction against an order of the State Consumer Disputes Redressal Commission2 , Chandigarh.
2. On 3 September 2013, the appellant’s son obtained the benefit of an insurance cover under a policy called the “Cardsure Package Policy”. The appellant’s son was an account holder with HDFC Bank Limited and had availed of a debit card from the bank. The bank, which is the second respondent, obtained an insurance cover on 3 September 2013 from the first respondent.
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Author Bio
Why the bank club ATM & Debit Card? Secondly unnecessarily VISA is clubbed when Rupay is enough unless the customer desire it. There should not be any “”conditions apply” with “*”. This practice should be stopped and everything should be with in that paragraph for the customer to understand. Today even Net Banking in for usage of Debit card. That means swipe is not at all a condition but usage of your account for your other payments by Netbanking and physical swipe. Say if I pay my consumer bill it is also a usage. SC is very well settled the issue. Unless the first basic benefit the % addition never exists. Otherwise a blanket amount with premium based on actual usage would be the condition like that of Cash in transit policy, which is a blanket but premium adjusted as per actual cash transacted.