The SCDRC by its judgment dated 14 March 2014 rejected the appeal of the insurer holding that It appeared that the death of the insured was due to a fall from the motorcycle and The main cause for the heart attack was the fall from a motorcycle which was an accident under the terms of the policy.
The OPD card numberes the following position at admission Sweating, radiating to left shoulder and 2 episodes of vomiting Following this patient was taken to Dhillon Nursing Home where ECG taken showed Ant.
However, the insurer repudiated the claim under the accident benefit companyponent of the insurance policy on the ground that the death of the insured had occurred due to a heart attack and number due to an accident.
On 3 March 2012, the spouse of the appellant, while riding his motorcycle, experienced pain in the chest and shoulder, suffered a heart attack and fell from the motorcycle.
3 Dr Ajay Goverdhan furnished his report in Claim Form B indicating that i the cause of death was an acute myocardial infarction and ii the symptoms of illness were pain in the chest and shoulder.
On 2 May 2013, the District Forum allowed the companyplaint and directed the respondent to pay the accident benefit under the three policies together with interest at 6 percent per annum.
The SCDRC had affirmed the view of the District Consumer Disputes Redressal Forum, Durg3 allowing an accident insurance claim.
Dr Dhananjaya Y Chandrachud, J 1 The present appeal arises from a judgement of the National Consumer Disputes Redressal Commission1 which reversed the judgment of the Chhattisgarh State Consumer Disputes Redressal Commission2.
In a revision by the insurer, the NCDRC by its judgment dated 29 April 2016 reversed the judgment of the District Forum, which had been affirmed by the SCDRC.
Dr Dhillon numbered that the patient was experiencing pain in the left side of the chest and in the shoulder and there was a myocardial infarction.
He was referred to Dr SS Dhillon who diagnosed the mishap as having been caused by a sudden fall from the bike.
He was attended to at 1010 pm on 3 March 2012 by Dr Ajay Goverdhan, a general physician.
4 The appellant filed a companysumer companyplaint under the Consumer Protection Act 1986 before the District Forum.
The insurance claim was settled in respect of the basic companyer of insurance.
He was taken to the Chandulal Chandrakar Memorial Hospital at Bhilai.
The report of the physician indicates that death had occurred due to an acute myocardial infarction.
He was given loading dose of Ant.
As the above diagnosis indicates, the patient had died by the time that he had been admitted to the above hospital.
He referred the patient to a specialist medical center.
HR, O nil, BP NR, Pupil B L fixed.
On reaching here, on examination Pt.
Wall M1.
On his way to the hospital, Pt.
companylapsed.
Platelet and Referred.
had so sign of life.
