Death due to cold wave is accidental and insurance companies cannot deny claim to the family of the deceased

Last updated: 08 May 2023

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The National Consumer Disputes Redressal Commission (NCDRC) has ruled that deaths resulting from extreme cold waves are to be considered accidental. Consequently, insurance companies cannot refuse claims from the families of the deceased on the grounds that the death was natural. The commission emphasised that a cold wave is an unexpected and untoward event that an ordinary person would not anticipate.

Court :
NCDRC

Brief :
The death caused by extreme cold wave is accidental one and the insurance companies cannot deny claim to the family of the deceased on the ground that the demise was natural. "Cold wave is an untoward event which is not expected ordesigned, and an ordinary man could not expect the occurrence”.

Citation :
REVISION PETITION NO.973 OF 2007

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FCS Deepak Pratap Singh

Associate Vice President - Secretarial & Compliance (SBI General Insurance Co. Ltd.)

Dear Friends, MyselfFCSDeepak P. Singh ( B.Sc.. LLB, FCS. FIII, CIAFP, CRMP, ID) , A Fellow Member of ICSI, Law Graduate ,Fellow Member of Insurance Institute of India, Certified Independent Director ,Certified Insurance Anti Fraud Professional , Certified Risk Governance Professional ( ICSI-III) and cleared Limited I ... Read more

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